welcome to liber8:payment

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1 liber8:payment

2 welcome to liber8:payment Our self-service kiosks free up staff time and improve the overall patron experience. liber8:payment further enhances these benefits by providing the convenience of coin, bill (with change) and card payments right at the kiosk. This allows patrons to pay their fines and fees with their preferred method of cash, credit/debit cards or digital wallet. How will liber8:payment improve the patron experience? With the ability to make payments at the self-service kiosk, your library patrons can take full control and manage all financial matters related to their library membership. They can borrow items that charge a fee at the time of borrowing (DVDs for example), pay late fees or fines for lost items, release a block on their account, and complete multiple actions in one simple self-service transaction. Owing money can be a sensitive subject for some library members, but by allowing them to settle their accounts privately, they are more likely to pay their fines and fees sooner, without the potential risk of embarrassment. How will liber8:payment help your staff? By allowing your library members to handle their own financial matters privately and discretely, your staff are no longer tied to the circulation desk and are free to assist more patrons or focus on engaging programs. We provide a fully consolidated online reporting function, allowing you to see every single payment that has been taken through all devices. And, of course, all of our payment solutions are completely PCI DSS and EMV compliant - leaving you to focus on more services for your community, not worrying about the security of payment collection!

3 contactless - the future of payments Contactless payment is an increasing trend, with millions of people now equipped with contactless-enabled debit cards, credit cards and other contactless payment devices. With the recent launch of Apple Pay and Google revamping their contactless payment solution with Android Pay, contactless payments are rising at a phenomenal rate. Payment convenience at library kiosks Paying fees in your library has never been easier! Provide your library patrons with the highest level of convenience by accepting contactless payments right from your kiosks. liber8:payment processes Apple Pay, Google Wallet, Android Pay and contactless card transactions in a fraction of the time it takes to process conventional card and cash transactions. Complete payment with a simple tap Instead of swiping a credit card in a card reader, sign, or having to enter a pin number, kiosk users simply tap their digital-enabled card or smartphone onto the contactless device. Major benefits all around Modernize your library and keep up with the latest in secure payment technologies by accepting contactless payments. The reduced transaction time can result in shorter queues, increased payment collection and better customer satisfaction.

4 our integrated solution credit & debit cards chip & pin contactless devices coin & bill (with change) card payments from any bibliotheca kiosk Choose the kiosk that fits your needs with the confidence of knowing secure credit and debit card payments will be accepted. Stay current with the latest contactless payment technology, making it even easier for small fees to be paid quickly and easily. ATM style transactions From our freestanding kiosks, we make cash transactions as efficient as possible with our integrated ATM grade bill handling system. When library patrons pay fines with large bills, they will receive $1, $5, and $10 bills as change, instead of a pocket full of coins.

5 types of payment accepted: contactless payments coin & bills credit & debit cards top-up schemes SmartPay BLUEcloud Commerce change given as: coins bills

6 frequently asked questions Can my library process library fines & fees without risk to the library or patron? Payment card data is transferred across a normal LAN connection; with the authorization requests encrypted using the most up-to-date version of TLS protocol. This current industry standard method, widely used for sending card payment transactions over the public Internet, as well as private networks, is sufficient to meet the payment security requirements for PCI DSS. It doesn t matter whether the terminal is connected to a standard network connection to the public Internet or to a secure private network, the TLS protocol still forms a secure channel through which transaction data can flow. Bibliotheca s solution partner holds the necessary TLS certificates to correctly establish TLS connections with such terminals. What does PCI DSS & EMV stand for? Payment Card Industry Data Security Standard (PCI DSS) & Europay, MasterCard and Visa (EMV) What is EMV? EMV chip technology is becoming the global standard for credit card and debit card payments. Named after its original developers (Europay, MasterCard and Visa ), this smart chip technology features payment instruments (cards, mobile phones, etc.) with embedded microprocessor chips that store and protect cardholder data. This standard has many names worldwide and may also be referred to as: chip and PIN or chip and signature. What makes EMV different than the traditional magnetic stripe card payment? Simply put, EMV (also referred to as chip-and-pin, chip-and-signature, chip-and-choice, or generally as chip technology) is the most recent advancement in a global initiative to combat fraud and protect sensitive payment data in the cardpresent environment. A cardholder s confidential data is more secure on a chip-enabled payment card than on a magnetic stripe (magstripe) card, as the former supports dynamic authentication, while the latter does not (the data is static). Consequently, data from a traditional magstripe card can be easily copied (skimmed) with a simple and inexpensive card reading device enabling criminals to reproduce counterfeit cards for use in both the retail and the CNP environment. Chip (EMV) technology is effective in combating counterfeit fraud with its dynamic authentication capabilities (dynamic values existing within the chip itself that, when verified by the point-of-sale device, ensure the authenticity of the card). What is EMV compliance? EMV compliance is a joint effort initially conceived between Europay, MasterCard and Visa to ensure the security and global interoperability of chip-based payment cards. AMEX and Discover are both members now of original EMV. In an effort to lead by example, the President has signed the BuySecure Executive Order into law mandating that Federal government bodies make the move to Chip enabled credit cards and terminals by January 2015, replacing magnetic stripe based technology. The move is designed to enhance transaction security and provide a higher level of data protection. Similar legislative action should be expected at the state level as this technology becomes more commonplace; and its impact on combating security breaches in the US more clear. EMV is a global standard for inter-operation of integrated circuit cards (IC cards or chip cards ) and IC card capable point of sale (POS) terminals and automated teller machines (ATMs), for authenticating credit and debit card transactions. How does EMV work? EMV transaction processing uses newer Chip based technology to store cardholder account information in a more secure way compared to that of the fraud prone magnetic stripe. The majority of implementations of EMV cards and terminals abroad confirm the identity of the cardholder by requiring the entry of a personal identification number (PIN) rather than signing a paper receipt as it is still done in the US. It is unclear if support for Chip and PIN will be implemented immediately, or if support for PIN entry will come on the heels of Chip only transactions for unattended terminals, and Chip and signature for attended terminals. Whether or not PIN authentication takes place also will depend upon the capabilities of the terminal, the acquirer, and programming of the card. Chip cards and the overall infrastructure for EMV also allows issuing banks to send updates to the card through the terminal to help monitor suspicious activity. This feature does away with the previous costly method of sending out new cards every time an update is needed. Why should my library be concerned with PCI DSS and EMV compliance? As large retailers become EMV compliant, criminals will target the least secure transaction points. Your patrons will quickly turn into the easiest targets, and the threat of breach will increase. A breach will equal financial penalties, a lawsuit and ruin most Libraries with a destroyed reputation at best. What is chip technology? Chip technology is an evolution in our payment system that will help increase security, reduce fraud and enable the use of future value-added applications. Chip cards are standard bankcards that are embedded with a micro computer chip. Some may require a PIN instead of a signature to complete the transaction process. How many Chip cards are currently used in the US? The US is more than a decade behind many other countries in adopting Chip payment systems, which are standard in much of Europe and other developed countries around the world. Only two percent of Americans currently have Chip enabled cards according to the Smart Card Alliance; a percentage which is sure to grow quickly over the next year as we approach the Liability Shift scheduled in October of How secure is my library when accepting payments through the Bibliotheca solution? Specializing in unattended payment equipment and policies, our solution complies with the strict PCI DSS and PCI PTS (Payment Card Industry PIN Transaction Security) device & EMV standards. The Bibliotheca solution is future-proofed to accept Chip, Chip & Pin, and contactless payments as they become available. What if I am currently a Comprise smartpay customer? Bibliotheca self-service kiosks are compatible with Comprise technologies payment solutions. For more information on your exact situation, EMV compliance and the transition from your current situation to the new regulations, please contact Comprise by calling to discuss further details. G-LBBR1060US/009

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