Option B: Credit Card Processing

Size: px
Start display at page:

Download "Option B: Credit Card Processing"

Transcription

1 Attachent B Option B: Credit Card Processing Request for Proposal Nuber 4404 Z1 Bidders are required coplete all fors provided in this attachent if bidding on Option B: Credit Card Processing. Note: If bidding ore than one option, an entire proposal (Corporate, Executive, Technical and Cost) ust be subitted for EACH option. Each proposal ust include each for listed below. TR-1 through TR-15 are be included as part of the Technical Proposal. Exhibit 6 is be subitted as the Cost Proposal. Iportant: This RFP provides three options for bidding: Option A, ACH Origination Services, Option B, Credit Card Processing, and Option C, Originations Services and Credit Card Processing. Bidders ay bid on any or all options. In order for a bidder be considered for ore than one option, a coplete, separate proposal (Corporate, Executive, Technical, and Cost) ust be subitted for EACH option. Each proposal subitted ust clearly identify which option is being bid. The State will evaluate all proposals subitted within each separate option (Option A, ACH Origination Services, Option B, Credit Card Processing, and Option C, Originations Services and Credit Card Processing). A highest scoring bidder will be identified for each option (A, B, C). The State will then ake a deterination as which option will best eet the State s needs and ake an award the highest scoring bidder for that option. Bidder Nae: Page 1 of 16

2 TECHNICAL REQUIREMENTS Credit Card Processing Bidders ust provide detailed inforation regarding the following: 1. Coply - bidder is able fully provide the service 2. coply - bidder is unable provide the service 3. Cus bidder is able coply with a cus solution at no additional cost the State 4. bidder is able coply with a third party/subcontracr at no additional cost the State coply Cus Technical Requireents for Credit Card Services Coply TR - 1 Online Bank Reporting/Internet Functionality Requireents a. The State requires the use of online bank reporting. The State ust be able view previous day, current day, and all transaction activity (including returns, chargeback credits/debits) online. b. Current day inforation ust be available by 8 a. on the online bank site. How often is the bank reporting syste updated throughout the day? c. Bidder will provide a detailed listing and saples of all reports available online. Can these reports be cusized? d. Bidder ust have a solution for the State Treasurer s Office be able identify the credit card transactions on the account and reconcile the activity the erchant stateent. (Currently, ultiple erchant IDs are credited one account.) Bidder should provide details on a solution available help the State Treasurer s Office identify each entry. e. Bidder should provide a CD deonstration of website functionality if available. f. Bidder ust describe current software/hardware requireents be able access online solutions and PC-based applications and the required Windows version. Page 2 of 16

3 Technical Requireents for Credit Card Services Coply coply Cus g. Bidder ust describe the security levels that are available in the Web-based solution, including whether security levels can be set by user, by bank account, or functionality. h. Bidder ust describe the security functionality for the State s designated Security Adinistrar. Bidder should describe the perissions given the State Security Adinistrar update user functionality online. i. Bidder ust describe the second type of authentication (ken, additional security questions) the bidder uses besides user ID and password? j. Bidder ust describe how syste upgrades are handled. Is there is a charge for upgrades the online inforation reporting syste? Does the bidder charge for technical support if needed during setup or upgrades? k. Bidder ust detail what type of training is offered for Web-based applications? Is training in person or by phone? Is there a charge for training? l. Bidder should have a iniu of 45 days online data retention. Bidder should detail the lengths of online data retention available? Thirty days, 60 days, 90 day or longer.. Multiple State users ust be able access the online syste siultaneously. Bidder should detail if there is a liit the nuber of users a copany can assign the syste. TR - 2 Online Access for State Agencies View Daily/Monthly Merchant Credit Card Transaction Activity a. Bidder is required have an online solution view erchant activity by erchant ID. Bidder should detail the solution available including saple reports and screen prints. b. Can the State Treasurer s Office have access erchant activity by erchant ID, or erchant chain and view the onthly transactions and dollar tals for statistical reasons? Bidder ust disclose (in their Cost Option as in Exhibit 6 ) if there is a cost and how the cost is calculated. If a fee is charged for this service, the fee ust be passed on the State agency. Page 3 of 16

4 coply Cus Technical Requireents for Credit Card Services Coply c. Bidder should provide detail on any reconciliation and payent suary reporting available. TR - 3 Transaction Batching, Authorizations and Processing a. The bidder ust provide a diagra reflecting the processing of a credit card transaction beginning with the point of sale (either Internet or swipe achine) the deposit of funds. The diagra ust indicate the functions perfored by the Credit Card financial institution/contracr and those perfored by others including all subcontracrs. b. The State agencies use a nuber of third-party vendors for services relating credit card acceptance. Bidder ust acknowledge agreeent work with these vendors/software copanies as needed on behalf of the State. Additional vendors ay be added as needed. The State requires all vendors be PCI Copliant for services provided State agencies. Current third-party vendors hired by State agencies include TouchNet Official Payents Corporation PayFuse Nebraska.gov Centurion Tender Retail TicketMaster Syste Auation Third-party vendors continued: ActiveNetwork/ReserveAerica CashNet Cybersource SCT c. Bidder ust describe the processing syste ability identify and eliinate duplicate transactions. Bidder should detail how duplicate batches are handled. d. Bidder, at a iniu, ust be able support Visa and MasterCard transactions. Bidder ust list all card brands and types currently supported. e. Bidder ust describe the batch transaction process. Bidder ust detail any liitations on the nuber of transactions in a batch or any liit on the nuber of batches subitted in a day per erchant ID nuber or erchant chain. Page 4 of 16

5 Technical Requireents for Credit Card Services Coply coply Cus f. Bidder ust offer both real-tie and batch processing. g. Bidder ust detail transission ethods available. What oniring and notification processes exist if a transission fails? h. Bidder is required detail authorization ethods available, and detail average response ties for dial and lease-line authorization ethods for both peak and noral periods. Bidder is required detail processor-specific hardware needed support these services and procedures reverse an incorrect authorization. i. Bidder ust be able authorize international credit card transactions. j. Bidder ust describe seasonal erchant activity procedures. Do seasonal erchants receive a break in service fees in onths where there is no activity? k. Bidder should detail governent rates available and explain how the State could qualify for even lower rates. l. Please provide syste availability statistics for the last 12 onths. Bidder should detail the longest period that was unable authorize transactions in the last year, including the source of the proble and how long it ok resolve.. How often are credit card syste updates ade and what is the average downtie, if any? n. Bidder ust detail any solution proposed in this RFP for the authorization, batching, and processing of credit card transactions (either through the Internet or by a swipe achine). Provide saple reports, screen prints and detail the inforation fro Internet solutions. Can Page 5 of 16

6 Technical Requireents for Credit Card Services reports be cusized? Coply coply Cus TR - 4 Daily Advices of Settleent a. Bidder is required provide daily advices of settleent the State Treasurer s Office containing the batch transaction detail of all erchant activity settling the Treasurer s bank account. Currently, the State Treasurer s Office receives these advices by eail no later than 9 a.. CT. The settleent advices should include the following inforation: transaction processed date, erchant nae and ID nuber, erchant chain, transaction count and all individual batch aounts. A bidder unable eail advices ust propose alternative ethods receive this inforation. Solution options provided ust be easy use and not require State staff look up each individual erchant ID. Bidder ust provide details of when advices would be provided the State Treasurer s Office as a part of the workflow process. b. A bidder ust agree that if fees are charged for the daily advices of settleent, the fees will be passed through on the bank analysis stateent. TR - 5 Settleent of Funds/Availability of Funds Detail how the settleent of erchant batches/transaction activity will occur. A bidder is required provide the transaction processing/transission cuff ties for CT zone. Assuing there are no banking holidays and Saturday and Sunday are the only non-business days, and that State agencies have either closed the batches anually in tie for bidder s processing cuffs or are having batches au-closed in tie for the bidder s cuff, answer questions below: Bidder should use these saple calendar dates: August 9 Friday August 10 Saturday August 11 Sunday August 12 Monday August 13 Tuesday August 14 Wednesday a. If the transaction is processed and batched on Saturday, August 10, what day and tie will funds settle in the State s account? What cut-off tie did the bidder use provide settleent date and tie? b. If the transaction is processed and batched on Sunday, August 11, what day and when will Page 6 of 16

7 coply Cus Technical Requireents for Credit Card Services Coply funds settle in the State s account? What cut-off tie did the bidder use provide settleent date and tie? c. If the transaction is processed and batched on Monday, August 12, what day and tie will funds settle in the State s account? What cut-off tie did the bidder use provide settleent date and tie? d. Is there any difference in the funds availability by the card used (Visa, MasterCard, Aerican Express or Discover)? Bidder is required detail by card any difference in the funds availability proposed the State. e. The bidder is required allow for ultiple settleents in accounts depending on how the erchant client wants settle the funds. f. Bidder is required list settleent aounts separately on the bank stateent either by chain or by erchant ID. Bidder should detail how Saturday and Sunday transaction activity will be listed on the bank stateent. (Will funds be cobined with another day's activity or listed individually?) g. Bidder is required ake full settleent of all funds and later bill the State agency or debit the State s account for erchant fees depending on how the State agency is set up. TR - 6 Credit Card Cuser Service/Support a. Bidder is required ake available help desk support 24X7X365 State agencies. Support desk staff ust be able help resolve terinal authorization and transission issues at a iniu. Bidder should provide detailed inforation about the services offered by help desk solutions. Page 7 of 16

8 Technical Requireents for Credit Card Services Coply coply Cus b. How uch prior activity (specify by onths, days) does erchant support desk staff see when responding a caller? Can staff provide batch detail inforation and provide an iediate response? If a longer research request were required because of older dated inforation, how any days until the inforation would be available? TR - 7 Equipent a. The equipent should be easy use, reliable and hold a reasonable aount of sales data before having settle. The equipent ust also coply with upcoing EMV regulations. At least one odel on the list ust have Tip capabilities. How quickly can this equipent be shipped? b. Bidder is required explain the aintenance and replaceent policy for equipent provided by the bidder? c. Bidder is required provide working instructions for operating equipent. d. The erchant processor will provide free prograing. (Free prograing could include, accoodating any Visa/MasterCard required changes or prograing for auatic or anual batch closure at predeterined ties.) TR - 8 Chargebacks, Reversals/Refunds a. The State requires that all chargeback inforation be sent directly a designated State eployee at the agency responsible for the erchant ID. What options are available agencies on how receive that inforation? How quickly is chargeback paperwork forwarded the erchant? Bidder is required detail how other adjustent entries are ade and how inforation is related the erchant client. Page 8 of 16

9 coply Cus Technical Requireents for Credit Card Services Coply b. Out of the tal chargebacks handled by the bidder in calendar year 2012, what percentage of those chargebacks did the bank successfully resolve (the chargeback was reversed) that did not require erchant intervention/involveent? (These would be cases where a transaction was returned as a duplicate charge but it was evident the erchant bank there was no duplicate charge.) c. Bidder is required adjust the State bank accounts separately for chargebacks. Soe agencies cannot have their accounts debited; therefore, they would need be invoiced for the chargeback. Bidder should detail how all other adjustent entries are handled. TR - 9 Interchange Manageent a. The selected bidder is required review State agencies' credit card transaction inforation at least annually and ake recoendations reduce erchant processing fees. Bidder should describe current services offered. Bidder should discuss key perforance easures that are tracked and how this inforation is related erchant clients. TR - 10 Visa/MasterCard Copliance Issue Support a. Because of the coplex and diverse services offered under this contract, the State Treasurer and staff or any State agency ay require assistance fro the erchant bank for interpretation of Card Association Rules and Regulations. The current erchant bank has provided support at eetings and training sessions for the State s staff and provided testiony, letters on credit card acceptance rules and regulations regarding convenience fees as needed. Bidder ust acknowledge willingness provide copliance support. b. The State Treasurer s Office and the Office of the CIO (State IT Division) have worked be PCI Copliant. The State has also experienced coplex Payent Card Industry Copliance issues because of the diversity and volue of the services used, the nuber of third-party portal/software vendors used under the erchant contract. The erchant bank ay be asked attend eetings and be the liaison with the Card Associations and the State when seeking assistance regarding specific technical questions relating PCI Data Security Copliance. Many State agencies hired Card Association Approved Data Security Vendors help with PCI Issues. Bidder ust provide assistance with PCI issues and should acknowledge willingness participate in eetings and provide support services as required/needed with copliance or data security issues. Page 9 of 16

10 Technical Requireents for Credit Card Services Coply coply Cus c. The Credit Card Financial institiution/contracr ust offer training assist vendors with changes and updates Card Association rules/regulations, fraud-anageent or copliance andates at not additional cost? Where is training offered and how often? TR - 11 Disaster Recovery a. Of the services listed in this scope of work, can bidder provide assistance the State in the event of a disaster? b. Can batch files be sent using an alternative ethod if the State had a disaster and had operate fro other locations? What are these options? c. How often is bidder s disaster recovery plan tested? Provide operational details and what steps are taken test the plan. In a disaster, how quickly can bidder resue operations? d. Has bidder tested the disaster recovery plan? How long has the disaster recovery solution been ipleented? How quickly could bidder begin processing transactions following the disaster? e. How uch tie in the prior 12 onths has the reporting syste been down? Is there a disaster recovery solution ipleent for this? TR - 12 Other a. Provide details on any erger or acquisition that bidder is coitted and the expected ipact on the services requested in this RFP. b. List any cash anageent services that bidder s financial institution has outsourced in the past 24 onths and provide an explanation for the decision outsource. If bidder has outsourced Page 10 of 16

11 coply Cus Technical Requireents for Credit Card Services Coply any services, how long has the vendor provided these services bidder? Discuss any anticipated changes in these relationships and how the changes would affect the State. c. The State will require overdraft and FDIC insurance charges be offset by earnings credit allowance. How does the bank calculate the charge? How does the bank charge for overdrafts? Does the bank charge for use of uncollected funds? If yes, how is the charge calculated? d. What training does bidder offer during transition get new clients failiar with the erchant bank processes and procedures? e. Describe the ticket retrieval request process. What response ties does bidder require for ticket retrieval? What is bidder s required sales ticket retention period for erchants? Does this vary by card type? f. Does bidder bank provide test cards for erchants use? What is the functionality? What is the lead tie set this up? g. Does bidder have any virtual terinal abilities? What options are available for erchants? Please describe this in-depth. h. Has bidder ever violated any Card Association rules or regulations that were the cause of the erchant cuser? If so, when and what for? i. How does bidder notify the cuser of interchange and assessent fee changes? j. Can erchants order signs and other supplies through bidder or does bidder have a supplier erchants can use with the services offered? Page 11 of 16

12 coply Technical Requireents for Credit Card Services Coply k. Bidder is required detail a new erchant setup: please explain setup process. Cus l. List all industry-related associations or organizations of which your copany is a eber or on which your copany has direct representation. Bidder should include any copany representation on MasterCard s or Visa s boards or coittees. l. Bidder ust acknowledge willingness participate in State Treasurer-sponsored education and inforational sessions for State agencies. This could include attending ultiple sessions ake State agencies aware of services available through State banking business partners. TR - 13 Daily Export a. The State requires the selected financial institution provide a daily Coa Separated Value (CSV) export of prior day activity by 10 a.. CT. Four forat options are available. This file will be iported in the State ERP syste as a part of a unique auated daily reconciliation process. The State requires this inforation be exported fro a Web-based inforation reporting application. See Exhibit 5 for descriptions of the forats. Bidder not able use one of the forats should provide a saple of a CSV export and detail the fields of inforation. TR - 14 Fraud Prevention ACH Filters/ACH Blocks a. Bidder ust detail solution options available for fraud filters/blocks. Can bidder block all ACH debits on accounts, including consuer and corporate? Can bidder allow the State designate only certain copanies that would be allowed debit the State? TR - 15 Wire Transfers a. The excess funds not required cover copensating balance requireents ay be oved out of the bank account by wire. Bidder is required detail available solutions for the State coplete wires online and by phone. Bidder ust detail the cuff deadlines for sae day posting of wires (both sending/receiving). b. Can repetitive wire teplates be set up online and for call in wires? Which party handles the set up and aintenance of teplates for both online and call-in wires? Page 12 of 16

13 coply Cus Technical Requireents for Credit Card Services Coply c. Bidder ust detail all solutions available for notification of both incoing and outgoing wires. How is detail on wires provided? Please include saple reports. d. If a ken/pin nuber is used for authentication for wires or the online site for login, can second ken/pin nubers be issued designated eployees for use at a disaster recovery site? Page 13 of 16

14 Exhibit 6 Cost Proposal for Credit Card Services No Charge for Equipent Request for Proposal Nuber 4404Z1 *Bidder ust specify all fees listed below as per transaction, per day, onthly or annually. *Bidder ust specify if there is a onthly, daily or annual axiu per service/transaction. *Bidder is required list all potential fees that could be charged under the contract resulting fro this RFP even if not specifically identified below or in the RFP docuent. *Bidder ust specify which fees are passed through the Credit Card Associations. *Bidder should use 475 as the nuber of swipe achines the State is requesting and would provide equipent for the contract period and including any renewal periods. *Equipent should be EMV copatible. Cost Account aintenance $ Account aintenance - per account $ Electronic credits $ Electronic debits $ Paper credit $ Paper debit $ Zero Balance Account - lead account $ Zero Balance Account - subsidiary accounts $ Stateent (onthly) if ailed $ Stateent (onthly, daily) online $ Research - per hour $ Account analysis - specify if by account/or relationship $ Invoice stateent $ Daily batch settleent advices the State Treasurer's Office $ Merchant Stateent (onthly) electronically the State Treasurer's Office $ Unit of easure: Per transaction, daily, onthly, annual, axiu RFP page reference Coents Wire Services Monthly wire aintenance fees $ Wire - doestic voice repeat $ Page 14 of 16

15 Cost Wire - doestic voice nonrepeat $ Wire - doestic repeat - online $ Wire service online - onthly $ Wire teplate srage online $ Token for wires - setup $ Token for wires - aintenance $ Wire pin set up - per user $ Wire pin aintenance -per user/per change $ Unit of easure: Per transaction, daily, onthly, annual, axiu RFP page reference Coents Inforation Reporting Reporting (onthly) $ Reporting (per location) $ Current day (onthly) $ Prior day (onthly) $ Current day per ite on report $ Prior day per ite on report $ CSV export processes $ Inforation reporting retention - 60 days $ Fraud Filters Check filters $ ACH filter $ ACH block $ Credit Card Merchant Stateent (onthly) - ailed State agency $ Access online syste for agencies view Merchant Activity $ Miniu Stateent Fee (if applicable) $ Chargeback - debits $ Chargeback - credits Refunds/Returns $ Interchange rates for Visa and MasterCard should be placed in the back of RFP cost proposal bidders ust provide nongovernental rates and governental rates Assessents Visa MasterCard Page 15 of 16

16 Authorization Visa MasterCard Cost Unit of easure: Per transaction, daily, onthly, annual, axiu RFP page reference Coents Processing Fees Visa Internet payent solution (acceptance, authorizations, hosting) Payent Portal (Contracr aintained payent website) Page 16 of 16

Attachment A. Forms. Request for Proposal Number 4724Z1

Attachment A. Forms. Request for Proposal Number 4724Z1 Attachment A Forms Request for Proposal Number 4724Z1 Bidders are required to complete all forms provided in this attachment. Forms A.1-A.6 are to be included as part of the Technical Proposal. Form A.7

More information

SUPPORTING YOUR HIPAA COMPLIANCE EFFORTS

SUPPORTING YOUR HIPAA COMPLIANCE EFFORTS WHITE PAPER SUPPORTING YOUR HIPAA COMPLIANCE EFFORTS Quanti Solutions. Advancing HIM through Innovation HEALTHCARE SUPPORTING YOUR HIPAA COMPLIANCE EFFORTS Quanti Solutions. Advancing HIM through Innovation

More information

New for 2016! Get Licensed

New for 2016! Get Licensed Financial Manageent 2016 HS There s only one place you need to go for all your professional developent needs. The Power to Know. NEW Experience a different school of learning! New for 2016! Online courses

More information

Standards and Protocols for the Collection and Dissemination of Graduating Student Initial Career Outcomes Information For Undergraduates

Standards and Protocols for the Collection and Dissemination of Graduating Student Initial Career Outcomes Information For Undergraduates National Association of Colleges and Eployers Standards and Protocols for the Collection and Disseination of Graduating Student Initial Career Outcoes Inforation For Undergraduates Developed by the NACE

More information

Local Area Network Management

Local Area Network Management Technology Guidelines for School Coputer-based Technologies Local Area Network Manageent Local Area Network Manageent Introduction This docuent discusses the tasks associated with anageent of Local Area

More information

Evaluating Inventory Management Performance: a Preliminary Desk-Simulation Study Based on IOC Model

Evaluating Inventory Management Performance: a Preliminary Desk-Simulation Study Based on IOC Model Evaluating Inventory Manageent Perforance: a Preliinary Desk-Siulation Study Based on IOC Model Flora Bernardel, Roberto Panizzolo, and Davide Martinazzo Abstract The focus of this study is on preliinary

More information

A SPOUSE'S RIGHT TO HEALTH INSURANCE AFTER DIVORCE: A REVIEW*

A SPOUSE'S RIGHT TO HEALTH INSURANCE AFTER DIVORCE: A REVIEW* A SPOUSE'S RIGHT TO HEALTH INSURANCE AFTER DIVORCE: A REVIEW* Without proper planning and advice, losing health insurance is a real risk for a divorcing spouse who relies on the other spouse for coverage.

More information

Project Evaluation Roadmap. Capital Budgeting Process. Capital Expenditure. Major Cash Flow Components. Cash Flows... COMM2501 Financial Management

Project Evaluation Roadmap. Capital Budgeting Process. Capital Expenditure. Major Cash Flow Components. Cash Flows... COMM2501 Financial Management COMM501 Financial Manageent Project Evaluation 1 (Capital Budgeting) Project Evaluation Roadap COMM501 Financial Manageent Week 7 Week 7 Project dependencies Net present value ethod Relevant cash flows

More information

3706JK K925 11/16/2015 12:59:31 PM V 11-6.5 71302 PAGE 4

3706JK K925 11/16/2015 12:59:31 PM V 11-6.5 71302 PAGE 4 For 99 (211) Page 2 Part III Stateent of Progra Service Accoplishents Check if Schedule O contains a response to any question in this Part III 1 Briefly describe the organization's ission: ATTACHMENT 1

More information

Research Article Performance Evaluation of Human Resource Outsourcing in Food Processing Enterprises

Research Article Performance Evaluation of Human Resource Outsourcing in Food Processing Enterprises Advance Journal of Food Science and Technology 9(2): 964-969, 205 ISSN: 2042-4868; e-issn: 2042-4876 205 Maxwell Scientific Publication Corp. Subitted: August 0, 205 Accepted: Septeber 3, 205 Published:

More information

Investing in corporate bonds?

Investing in corporate bonds? Investing in corporate bonds? This independent guide fro the Australian Securities and Investents Coission (ASIC) can help you look past the return and assess the risks of corporate bonds. If you re thinking

More information

Investing in corporate bonds?

Investing in corporate bonds? Investing in corporate bonds? This independent guide fro the Australian Securities and Investents Coission (ASIC) can help you look past the return and assess the risks of corporate bonds. If you re thinking

More information

ADDENDUM ONE. Date: June 17, 2013. All Bidders. Mary Lanning Buyer State Purchasing Bureau. Addendum for One 4404 Z1

ADDENDUM ONE. Date: June 17, 2013. All Bidders. Mary Lanning Buyer State Purchasing Bureau. Addendum for One 4404 Z1 ADDENDUM ONE Date: June 17, 2013 To: From: RE: All Bidders Mary Lanning Buyer State Purchasing Bureau Addendum for One 4404 Z1 Original Opening Date and Time: August 5, 2013 at 2:00 p.m. Following are

More information

Financial Aid Workshop Promotional Kit

Financial Aid Workshop Promotional Kit Financial Aid Workshop Prootional Kit CFWV.COM West Virginia s Free College-Planning Resource The College Foundation of West Virginia, online at www.cfwv.co, provides FREE resources to help students and

More information

CONTINUATION OPTION FORM EXECUTIVE INCOME PROTECTION & LIFE COVER FOR EXISTING FRIENDS FIRST POLICYHOLDERS

CONTINUATION OPTION FORM EXECUTIVE INCOME PROTECTION & LIFE COVER FOR EXISTING FRIENDS FIRST POLICYHOLDERS CONTINUATION OPTION FORM EXECUTIVE INCOME PROTECTION & LIFE COVER FOR EXISTING FRIENDS FIRST POLICYHOLDERS Agency Nuber: Agency Nae: OFFICE USE: Contract Type: Policy/Contract No.: Client No. (Eployer):

More information

RFP#15-20 EXHIBIT E MERCHANT SERVICES INFORMATION SHEET

RFP#15-20 EXHIBIT E MERCHANT SERVICES INFORMATION SHEET RFP#15-20 EXHIBIT E MERCHANT SERVICES INFORMATION SHEET A. Merchant Credit Card Processing 1. Describe your company s authorization method; list and describe alternative authorization methods. 2. What

More information

A WISER Guide. Financial Steps for Caregivers: What You Need to Know About Money and Retirement

A WISER Guide. Financial Steps for Caregivers: What You Need to Know About Money and Retirement WISER WOMEN S INSTITUTE FOR A SECURE RETIREMENT A WISER Guide Financial Steps for Caregivers: What You Need to Know About Money and Retireent This booklet was prepared under a grant fro the Adinistration

More information

Important Compliance Information. How to obtain and use the new documents (if fillable PDF s are mentioned above)

Important Compliance Information. How to obtain and use the new documents (if fillable PDF s are mentioned above) Copliance This Copliance is being sent to infor you that one or ore of the docuents currently contained in your Wolters Kluwer Financial Services Bankers Systes software syste or electronic docuents odule

More information

Fuzzy Sets in HR Management

Fuzzy Sets in HR Management Acta Polytechnica Hungarica Vol. 8, No. 3, 2011 Fuzzy Sets in HR Manageent Blanka Zeková AXIOM SW, s.r.o., 760 01 Zlín, Czech Republic blanka.zekova@sezna.cz Jana Talašová Faculty of Science, Palacký Univerzity,

More information

INCOME PROTECTION InsURANCE INITIAL CLAIM form

INCOME PROTECTION InsURANCE INITIAL CLAIM form INCOME PROTECTION InsURANCE INITIAL CLAIM for Sales Person: Agent/Agency No.: We need the inforation in this for, together with any other edical or financial evidence which ay be requested, so that we

More information

Software Quality Characteristics Tested For Mobile Application Development

Software Quality Characteristics Tested For Mobile Application Development Thesis no: MGSE-2015-02 Software Quality Characteristics Tested For Mobile Application Developent Literature Review and Epirical Survey WALEED ANWAR Faculty of Coputing Blekinge Institute of Technology

More information

An online sulfur monitoring system can improve process balance sheets

An online sulfur monitoring system can improve process balance sheets Originally appeared in: February 2007, pgs 109-116. Used with perission. An online sulfur onitoring syste can iprove process balance sheets A Canadian gas processor used this technology to eet environental

More information

Protecting Consumers from Card and other types of Fraud. What the consumer needs to know. How can we combat the rise in fraud

Protecting Consumers from Card and other types of Fraud. What the consumer needs to know. How can we combat the rise in fraud Protecting Consuers fro Card and other types of Fraud What are the trends What the consuer needs to know How can we cobat the rise in fraud What are the future threats Card Fraud What is Card Fraud: Card

More information

An Improved Decision-making Model of Human Resource Outsourcing Based on Internet Collaboration

An Improved Decision-making Model of Human Resource Outsourcing Based on Internet Collaboration International Journal of Hybrid Inforation Technology, pp. 339-350 http://dx.doi.org/10.14257/hit.2016.9.4.28 An Iproved Decision-aking Model of Huan Resource Outsourcing Based on Internet Collaboration

More information

SCHEDULE A MODIFIED SCOPE OF SERVICES MERCHANT CARD PROCESSING SERVICES STATE OF NORTH CAROLINA AND SUNTRUST MERCHANT SERVICES

SCHEDULE A MODIFIED SCOPE OF SERVICES MERCHANT CARD PROCESSING SERVICES STATE OF NORTH CAROLINA AND SUNTRUST MERCHANT SERVICES SCHEDULE A MODIFIED SCOPE OF SERVICES MERCHANT CARD PROCESSING SERVICES STATE OF NORTH CAROLINA AND SUNTRUST MERCHANT SERVICES Contract Number 14-06002 The terms Servicers and Vendor shall be used interchangeably

More information

STATE OF GEORGIA ENVIRONMENTAL PLANNING CRITERIA DATABASE

STATE OF GEORGIA ENVIRONMENTAL PLANNING CRITERIA DATABASE STATE F GERGIA ENVIRNMENTAL PLANNING RITERIA DATABASE Jaes Frederick AUTHRS: ffice of oordinated Planning, Georgia Departent of ounity Affairs, 1 Peachtree St. N.W., Atlanta, GA 333. REFERENE: Proceedings

More information

SECTION IV SCOPE OF WORK CHEROKEE NATION BUSINESSES RFP MERCHANT SERVICES

SECTION IV SCOPE OF WORK CHEROKEE NATION BUSINESSES RFP MERCHANT SERVICES SECTION IV SCOPE OF WORK CHEROKEE NATION BUSINESSES RFP MERCHANT SERVICES 1. INTRODUCTION Cherokee Nation Businesses, L.L.C. ( CNB ), a wholly-owned tribal corporation of the Cherokee Nation and its subsidiaries

More information

PERFORMANCE METRICS FOR THE IT SERVICES PORTFOLIO

PERFORMANCE METRICS FOR THE IT SERVICES PORTFOLIO Bulletin of the Transilvania University of Braşov Series I: Engineering Sciences Vol. 4 (53) No. - 0 PERFORMANCE METRICS FOR THE IT SERVICES PORTFOLIO V. CAZACU I. SZÉKELY F. SANDU 3 T. BĂLAN Abstract:

More information

Method of supply chain optimization in E-commerce

Method of supply chain optimization in E-commerce MPRA Munich Personal RePEc Archive Method of supply chain optiization in E-coerce Petr Suchánek and Robert Bucki Silesian University - School of Business Adinistration, The College of Inforatics and Manageent

More information

SOME APPLICATIONS OF FORECASTING Prof. Thomas B. Fomby Department of Economics Southern Methodist University May 2008

SOME APPLICATIONS OF FORECASTING Prof. Thomas B. Fomby Department of Economics Southern Methodist University May 2008 SOME APPLCATONS OF FORECASTNG Prof. Thoas B. Foby Departent of Econoics Southern Methodist University May 8 To deonstrate the usefulness of forecasting ethods this note discusses four applications of forecasting

More information

Modeling Nurse Scheduling Problem Using 0-1 Goal Programming: A Case Study Of Tafo Government Hospital, Kumasi-Ghana

Modeling Nurse Scheduling Problem Using 0-1 Goal Programming: A Case Study Of Tafo Government Hospital, Kumasi-Ghana Modeling Nurse Scheduling Proble Using 0-1 Goal Prograing: A Case Study Of Tafo Governent Hospital, Kuasi-Ghana Wallace Agyei, Willia Obeng-Denteh, Eanuel A. Andaa Abstract: The proble of scheduling nurses

More information

Red Hat Enterprise Linux: Creating a Scalable Open Source Storage Infrastructure

Red Hat Enterprise Linux: Creating a Scalable Open Source Storage Infrastructure Red Hat Enterprise Linux: Creating a Scalable Open Source Storage Infrastructure By Alan Radding and Nick Carr Abstract This paper discusses the issues related to storage design and anageent when an IT

More information

Don t Run With Your Retirement Money

Don t Run With Your Retirement Money Don t Run With Your Retireent Money Understanding Your Resources and How Best to Use The A joint project of The Actuarial Foundation and WISER, the Woen s Institute for a Secure Retireent WISER THE WOMEN

More information

Applying for a passenger service licence

Applying for a passenger service licence Applying for a passenger service licence To operate a goods, passenger, vehicle recovery or rental service the law requires individuals or copanies to hold the appropriate transport service licence. This

More information

Dual Enrollment Application for Admission For High School Juniors and Seniors

Dual Enrollment Application for Admission For High School Juniors and Seniors Application for Adission www.colubiastate.edu Office of Adissions 1665 Hapshire Pike Colubia, TN 38401 Dual Enrollent Application for Adission For High School Juniors and Seniors How do I apply? Step 1

More information

REQUIREMENTS FOR A COMPUTER SCIENCE CURRICULUM EMPHASIZING INFORMATION TECHNOLOGY SUBJECT AREA: CURRICULUM ISSUES

REQUIREMENTS FOR A COMPUTER SCIENCE CURRICULUM EMPHASIZING INFORMATION TECHNOLOGY SUBJECT AREA: CURRICULUM ISSUES REQUIREMENTS FOR A COMPUTER SCIENCE CURRICULUM EMPHASIZING INFORMATION TECHNOLOGY SUBJECT AREA: CURRICULUM ISSUES Charles Reynolds Christopher Fox reynolds @cs.ju.edu fox@cs.ju.edu Departent of Coputer

More information

These ads downplay the terms and risks of reverse mortgages and confuse senior consumers by making them seem too good to pass up.

These ads downplay the terms and risks of reverse mortgages and confuse senior consumers by making them seem too good to pass up. WISERWoan Fall 2015 A QUARTERLY NEWSLETTER FROM THE WOMEN S INSTITUTE FOR A SECURE RETIREMENT Reverse Mortgages and Reverse Mortgage Scas There s a growing buzz about reverse ortgages infoercials, pop-up

More information

Managing Complex Network Operation with Predictive Analytics

Managing Complex Network Operation with Predictive Analytics Managing Coplex Network Operation with Predictive Analytics Zhenyu Huang, Pak Chung Wong, Patrick Mackey, Yousu Chen, Jian Ma, Kevin Schneider, and Frank L. Greitzer Pacific Northwest National Laboratory

More information

- 265 - Part C. Property and Casualty Insurance Companies

- 265 - Part C. Property and Casualty Insurance Companies Part C. Property and Casualty Insurance Copanies This Part discusses proposals to curtail favorable tax rules for property and casualty ("P&C") insurance copanies. The syste of reserves for unpaid losses

More information

Use of extrapolation to forecast the working capital in the mechanical engineering companies

Use of extrapolation to forecast the working capital in the mechanical engineering companies ECONTECHMOD. AN INTERNATIONAL QUARTERLY JOURNAL 2014. Vol. 1. No. 1. 23 28 Use of extrapolation to forecast the working capital in the echanical engineering copanies A. Cherep, Y. Shvets Departent of finance

More information

A framework for performance monitoring, load balancing, adaptive timeouts and quality of service in digital libraries

A framework for performance monitoring, load balancing, adaptive timeouts and quality of service in digital libraries Int J Digit Libr (2000) 3: 9 35 INTERNATIONAL JOURNAL ON Digital Libraries Springer-Verlag 2000 A fraework for perforance onitoring, load balancing, adaptive tieouts and quality of service in digital libraries

More information

Financial Steps for Caregivers: What You Need to Know About Protecting Your Money and Retirement WISER. wiserwomen.org

Financial Steps for Caregivers: What You Need to Know About Protecting Your Money and Retirement WISER. wiserwomen.org Financial Steps for Caregivers: What You Need to Know About Protecting Your Money and Retireent Wills Insurance Elder Financial Abuse Lifetie Incoe Options Pensions WISERWoan Newsletters WISER WOMEN S

More information

Insurance Spirals and the Lloyd s Market

Insurance Spirals and the Lloyd s Market Insurance Spirals and the Lloyd s Market Andrew Bain University of Glasgow Abstract This paper presents a odel of reinsurance arket spirals, and applies it to the situation that existed in the Lloyd s

More information

Customer Name: Telepak Networks, Inc. Attachment 2 - PreOrdering, Ordering and Maintenance and Repair

Customer Name: Telepak Networks, Inc. Attachment 2 - PreOrdering, Ordering and Maintenance and Repair BELLSOUTH Telepak Networks, Inc.-MBR 3Q06 General Ters and Conditions Table of Contents Signature Page Attachent 1 - Services Attachent1-ExhibitA / CLEC Agreeent Attachent 2 - PreOrdering, Ordering and

More information

Phone: (541)447-5627 FAX: (541) 447-5628 Web Site: www.cityofprineville.com

Phone: (541)447-5627 FAX: (541) 447-5628 Web Site: www.cityofprineville.com City of Prineville 387 NE THIRD STREET PRINEVILLE, OREGON 97754 Phone: (541)447-5627 FAX: (541) 447-5628 Web Site: www.cityofprineville.com January 26, 2015 ADDENDUM # 3 - RFP# 1002-13-14 TITLE: Banking

More information

Form 990 (2011) Page 2

Form 990 (2011) Page 2 2/13/14 2/13/14 For 99 (211) Page 2 Part Stateent of Progra Service Accoplishents Check if Schedule O contains a response to any question in this Part 1 Briefly describe the organization's ission: ATTACHMENT

More information

CLOSED-LOOP SUPPLY CHAIN NETWORK OPTIMIZATION FOR HONG KONG CARTRIDGE RECYCLING INDUSTRY

CLOSED-LOOP SUPPLY CHAIN NETWORK OPTIMIZATION FOR HONG KONG CARTRIDGE RECYCLING INDUSTRY CLOSED-LOOP SUPPLY CHAIN NETWORK OPTIMIZATION FOR HONG KONG CARTRIDGE RECYCLING INDUSTRY Y. T. Chen Departent of Industrial and Systes Engineering Hong Kong Polytechnic University, Hong Kong yongtong.chen@connect.polyu.hk

More information

GLOBAL EXPRESS PAYMENT CENTER

GLOBAL EXPRESS PAYMENT CENTER GLOBAL EXPRESS PAYMENT CENTER USER GUIDE V1.4 EFFECTIVE 05/14/15 TABLE OF CONTENTS 03 Get Started Set Up Terminal Required Step by Admin Set Up Users Required Step by Admin Set Up Receipt Explore Dashboard

More information

International Journal of Management & Information Systems First Quarter 2012 Volume 16, Number 1

International Journal of Management & Information Systems First Quarter 2012 Volume 16, Number 1 International Journal of Manageent & Inforation Systes First Quarter 2012 Volue 16, Nuber 1 Proposal And Effectiveness Of A Highly Copelling Direct Mail Method - Establishent And Deployent Of PMOS-DM Hisatoshi

More information

The AGA Evaluating Model of Customer Loyalty Based on E-commerce Environment

The AGA Evaluating Model of Customer Loyalty Based on E-commerce Environment 6 JOURNAL OF SOFTWARE, VOL. 4, NO. 3, MAY 009 The AGA Evaluating Model of Custoer Loyalty Based on E-coerce Environent Shaoei Yang Econoics and Manageent Departent, North China Electric Power University,

More information

PHYSICIAN OFFICE IT SECURITY GUIDE

PHYSICIAN OFFICE IT SECURITY GUIDE PHYSICIAN OFFICE IT SECURITY GUIDE 2015 The CMPA supports the advice and recoendations contained in this guide and encourages their consideration by BC s physicians. Disclaier: Best practices for IT security

More information

Generating Certification Authority Authenticated Public Keys in Ad Hoc Networks

Generating Certification Authority Authenticated Public Keys in Ad Hoc Networks SECURITY AND COMMUNICATION NETWORKS Published online in Wiley InterScience (www.interscience.wiley.co). Generating Certification Authority Authenticated Public Keys in Ad Hoc Networks G. Kounga 1, C. J.

More information

CRM FACTORS ASSESSMENT USING ANALYTIC HIERARCHY PROCESS

CRM FACTORS ASSESSMENT USING ANALYTIC HIERARCHY PROCESS 641 CRM FACTORS ASSESSMENT USING ANALYTIC HIERARCHY PROCESS Marketa Zajarosova 1* *Ph.D. VSB - Technical University of Ostrava, THE CZECH REPUBLIC arketa.zajarosova@vsb.cz Abstract Custoer relationship

More information

AutoHelp. An 'Intelligent' Case-Based Help Desk Providing. Web-Based Support for EOSDIS Customers. A Concept and Proof-of-Concept Implementation

AutoHelp. An 'Intelligent' Case-Based Help Desk Providing. Web-Based Support for EOSDIS Customers. A Concept and Proof-of-Concept Implementation //j yd xd/_ ' Year One Report ":,/_i',:?,2... i" _.,.j- _,._".;-/._. ","/ AutoHelp An 'Intelligent' Case-Based Help Desk Providing Web-Based Support for EOSDIS Custoers A Concept and Proof-of-Concept Ipleentation

More information

Invention of NFV Technique and Its Relationship with NPV

Invention of NFV Technique and Its Relationship with NPV International Journal of Innovation and Applied Studies ISSN 2028-9324 Vol. 9 No. 3 Nov. 2014, pp. 1188-1195 2014 Innovative Space of Scientific Research Journals http://www.ijias.issr-journals.org/ Invention

More information

Are you managing your Service Portfolio?

Are you managing your Service Portfolio? White Paper Are you anaging your Service Portfolio? About this White Paper The CIO is expected to be the prestidigitator 1, anaging priorities like a juggler attepting the next world record. But just how

More information

Current literature supports the importance of preservation as a means for revitalizing

Current literature supports the importance of preservation as a means for revitalizing POSTLMAYR, LAUREN MICHELLE, M.F.A. Rehab Code versus the North Carolina Building Code: A Coparison of Their Application in Preservation Tax Credit Projects, 22-212 (213) Directed by Jo Rasay Leienstoll.

More information

4. A personal statement (please aim for a maximum of 400-500 words).

4. A personal statement (please aim for a maximum of 400-500 words). Appling La Trobe Universit How appl Print this for and coplete it. Send the copleted for Stud Options, 83 Ala Road, Clifn, Brisl, BS8 2DP, with our supporting docuents. Supporting docuents required for

More information

A Study on the Chain Restaurants Dynamic Negotiation Games of the Optimization of Joint Procurement of Food Materials

A Study on the Chain Restaurants Dynamic Negotiation Games of the Optimization of Joint Procurement of Food Materials International Journal of Coputer Science & Inforation Technology (IJCSIT) Vol 6, No 1, February 2014 A Study on the Chain estaurants Dynaic Negotiation aes of the Optiization of Joint Procureent of Food

More information

bid every 10 years Are there specific pain points or issues with your current processor you are trying to resolve by going out for RFP?

bid every 10 years Are there specific pain points or issues with your current processor you are trying to resolve by going out for RFP? Questions Why are you going out for RFP? Are there specific pain points or issues with your current processor you are trying to resolve by going out for RFP? How long have you been with your current processor

More information

LAKELAND AREA MASS TRANSIT DISTRICT (LAMTD) Office of Purchasing and Contracts 1212 George Jenkins Blvd, Lakeland Florida 33815

LAKELAND AREA MASS TRANSIT DISTRICT (LAMTD) Office of Purchasing and Contracts 1212 George Jenkins Blvd, Lakeland Florida 33815 LAKELAND AREA MASS TRANSIT DISTRICT (LAMTD) Office of Purchasing and Contracts 1212 George Jenkins Blvd, Lakeland Florida 33815 AMENDMENT OF SOLICITATION 1. SOLICITATION No. 13-024 2. AMENDMENT No. 1 3.

More information

The United States was in the midst of a

The United States was in the midst of a A Prier on the Mortgage Market and Mortgage Finance Daniel J. McDonald and Daniel L. Thornton This article is a prier on ortgage finance. It discusses the basics of the ortgage arket and ortgage finance.

More information

Entity Search Engine: Towards Agile Best-Effort Information Integration over the Web

Entity Search Engine: Towards Agile Best-Effort Information Integration over the Web Entity Search Engine: Towards Agile Best-Effort Inforation Integration over the Web Tao Cheng, Kevin Chen-Chuan Chang University of Illinois at Urbana-Chapaign {tcheng3, kcchang}@cs.uiuc.edu. INTRODUCTION

More information

City of Prineville Request for Proposal (RFP) RFP #1002-14-15 For Banking Services

City of Prineville Request for Proposal (RFP) RFP #1002-14-15 For Banking Services Request for Proposal (RFP) RFP #1002-14-15 For Banking Services January 2015 TABLE OF CONTENTS Introduction Page 3 Background Page 4 Proposal Procedures Page 5 Required Banking Services Page 6 Other Requirements

More information

EFFICIENCY BY DESIGN STORIES OF BEST PRACTICE IN PUBLIC BODIES

EFFICIENCY BY DESIGN STORIES OF BEST PRACTICE IN PUBLIC BODIES EFFICIENCY BY DESIGN STORIES OF BEST PRACTICE IN PUBLIC BODIES Acknowledgeents We would like to extend a special thank you to ebers of the Public Chairs Foru (PCF) and the Association of Chief Executives

More information

Study on the development of statistical data on the European security technological and industrial base

Study on the development of statistical data on the European security technological and industrial base Study on the developent of statistical data on the European security technological and industrial base Security Sector Survey Analysis: France Client: European Coission DG Migration and Hoe Affairs Brussels,

More information

Purchasing and Property Services AOC 200 4202 East Fowler Avenue Tampa, Florida 33620 (813) 974-2481. http://usfweb2.usf.edu/purchasing/purch2.

Purchasing and Property Services AOC 200 4202 East Fowler Avenue Tampa, Florida 33620 (813) 974-2481. http://usfweb2.usf.edu/purchasing/purch2. Purchasing and Property Services AOC 200 4202 East Fowler Avenue Tampa, Florida 33620 (813) 974-2481 Web Address: http://usfweb2.usf.edu/purchasing/purch2.htm October 21, 2014 Invitation to Bid No. Entitled:

More information

ODPS/BMV RFP QUESTIONS AND ANSWERS. October 5, 2015

ODPS/BMV RFP QUESTIONS AND ANSWERS. October 5, 2015 ODPS/BMV RFP QUESTIONS AND ANSWERS October 5, 2015 1. We planned on submitting our response just through email. Do we also have to send the pricing on a CD? No, the pricing can be sent by email also. However,

More information

Introduction to the Microsoft Sync Framework. Michael Clark Development Manager Microsoft

Introduction to the Microsoft Sync Framework. Michael Clark Development Manager Microsoft Introduction to the Michael Clark Developent Manager Microsoft Agenda Why Is Sync both Interesting and Hard Sync Fraework Overview Using the Sync Fraework Future Directions Suary Why Is Sync Iportant Coputing

More information

The Design and Implementation of an Enculturated Web-Based Intelligent Tutoring System

The Design and Implementation of an Enculturated Web-Based Intelligent Tutoring System The Design and Ipleentation of an Enculturated Web-Based Intelligent Tutoring Syste Phaedra Mohaed Departent of Coputing and Inforation Technology The University of the West Indies phaedra.ohaed@gail.co

More information

Degree Application For Undergraduate and Postgraduate Programs in Australia and New Zealand

Degree Application For Undergraduate and Postgraduate Programs in Australia and New Zealand Degree Application For Undergraduate and Postgraduate Progras in Australia and New Zealand To access ISA services please subit our universit application directl our office. Fro start finish, we provide

More information

WE ENABLE OUR CUSTOMERS TO MAKE THE SALE

WE ENABLE OUR CUSTOMERS TO MAKE THE SALE WE ENABLE OUR CUSTOMERS TO MAKE THE SALE PROVIDING YOU WITH GREAT VALUE AND EXCELLENT CUSTOMER SERVICE At WorldPay, we make it easy to accept payments anywhere you do business - in person, online or on

More information

Extended-Horizon Analysis of Pressure Sensitivities for Leak Detection in Water Distribution Networks: Application to the Barcelona Network

Extended-Horizon Analysis of Pressure Sensitivities for Leak Detection in Water Distribution Networks: Application to the Barcelona Network 2013 European Control Conference (ECC) July 17-19, 2013, Zürich, Switzerland. Extended-Horizon Analysis of Pressure Sensitivities for Leak Detection in Water Distribution Networks: Application to the Barcelona

More information

We re upgrading your banking experience August 21 st 23 rd

We re upgrading your banking experience August 21 st 23 rd We re upgrading your banking experience August 21 st 23 rd What you can expect before, during and after the upgrade. Banking in your best interest. myinvestorsbank.com/upgrade We re Upgrading Your Banking

More information

ESTIMATING LIQUIDITY PREMIA IN THE SPANISH GOVERNMENT SECURITIES MARKET

ESTIMATING LIQUIDITY PREMIA IN THE SPANISH GOVERNMENT SECURITIES MARKET ESTIMATING LIQUIDITY PREMIA IN THE SPANISH GOVERNMENT SECURITIES MARKET Francisco Alonso, Roberto Blanco, Ana del Río and Alicia Sanchis Banco de España Banco de España Servicio de Estudios Docuento de

More information

Markov Models and Their Use for Calculations of Important Traffic Parameters of Contact Center

Markov Models and Their Use for Calculations of Important Traffic Parameters of Contact Center Markov Models and Their Use for Calculations of Iportant Traffic Paraeters of Contact Center ERIK CHROMY, JAN DIEZKA, MATEJ KAVACKY Institute of Telecounications Slovak University of Technology Bratislava

More information

OpenGamma Documentation Bond Pricing

OpenGamma Documentation Bond Pricing OpenGaa Docuentation Bond Pricing Marc Henrard arc@opengaa.co OpenGaa Docuentation n. 5 Version 2.0 - May 2013 Abstract The details of the ipleentation of pricing for fixed coupon bonds and floating rate

More information

Danske Bank acquires Sampo Bank

Danske Bank acquires Sampo Bank Danske Bank acquires Sapo Bank Overview of Sapo Bank Noveber 9, 2006 Disclaier This presentation is not for release, publication or distribution in Australia, Canada, the Hong Kong Special Adinistrative

More information

Policies and Procedures. Merchant Card Services Office of Treasury Operations

Policies and Procedures. Merchant Card Services Office of Treasury Operations Policies and Procedures Merchant Card Services Office of Treasury Operations 1 Welcome! Table of Contents: Introduction Establishing Payment Card Services Payment Card Acceptance Procedures Payment Card

More information

This paper studies a rental firm that offers reusable products to price- and quality-of-service sensitive

This paper studies a rental firm that offers reusable products to price- and quality-of-service sensitive MANUFACTURING & SERVICE OPERATIONS MANAGEMENT Vol., No. 3, Suer 28, pp. 429 447 issn 523-464 eissn 526-5498 8 3 429 infors doi.287/so.7.8 28 INFORMS INFORMS holds copyright to this article and distributed

More information

Introduction and Background

Introduction and Background Introduction and Background The Community College League of California is a nonprofit public benefit corporation whose voluntary membership consists of the 72 local community college districts in California.

More information

Answers for Merchant Service RFP Questions

Answers for Merchant Service RFP Questions Answers for Merchant Service RFP Questions The Will County Treasurer s Office has received several questions concerning our RFP for Merchant Services and Credit Card Processing. Here are our replies. We

More information

Creating Opportunity:

Creating Opportunity: THE APPALACHIAN SAVINGS PROJECT Creating Opportunity: The Ipact of Matched Savings for Childcare Workers WISER WOMEN S INSTITUTE FOR A SECURE RETIREMENT Anita, a childcare worker and participant in the

More information

Optimal Resource-Constraint Project Scheduling with Overlapping Modes

Optimal Resource-Constraint Project Scheduling with Overlapping Modes Optial Resource-Constraint Proect Scheduling with Overlapping Modes François Berthaut Lucas Grèze Robert Pellerin Nathalie Perrier Adnène Hai February 20 CIRRELT-20-09 Bureaux de Montréal : Bureaux de

More information

Markovian inventory policy with application to the paper industry

Markovian inventory policy with application to the paper industry Coputers and Cheical Engineering 26 (2002) 1399 1413 www.elsevier.co/locate/copcheeng Markovian inventory policy with application to the paper industry K. Karen Yin a, *, Hu Liu a,1, Neil E. Johnson b,2

More information

How To Get A Loan From A Bank For Free

How To Get A Loan From A Bank For Free Finance 111 Finance We have to work with oney every day. While balancing your checkbook or calculating your onthly expenditures on espresso requires only arithetic, when we start saving, planning for retireent,

More information

Joining Worldwide Health Options Your Application

Joining Worldwide Health Options Your Application Joining Worldwide Health Options Your Application iportant inforation To join Bupa siply coplete the questions on this for. Please write clearly in BLOCK capitals using black ink. Once copleted, you can

More information

PREDICTION OF POSSIBLE CONGESTIONS IN SLA CREATION PROCESS

PREDICTION OF POSSIBLE CONGESTIONS IN SLA CREATION PROCESS PREDICTIO OF POSSIBLE COGESTIOS I SLA CREATIO PROCESS Srećko Krile University of Dubrovnik Departent of Electrical Engineering and Coputing Cira Carica 4, 20000 Dubrovnik, Croatia Tel +385 20 445-739,

More information

TREASURER S OFFICE ADMINISTRATIVE STANDARDS FOR THE TREASURER S FISCAL PROCEDURE No. 08-01 MERCHANT DEBIT AND CREDIT CARD RECEIPTS

TREASURER S OFFICE ADMINISTRATIVE STANDARDS FOR THE TREASURER S FISCAL PROCEDURE No. 08-01 MERCHANT DEBIT AND CREDIT CARD RECEIPTS TREASURER S OFFICE ADMINISTRATIVE STANDARDS FOR THE TREASURER S FISCAL PROCEDURE No. 08-01 MERCHANT DEBIT AND CREDIT CARD RECEIPTS 1. Introduction Debit and Credit Card Receipt Standards apply to the administration

More information

INTEGRATED ENVIRONMENT FOR STORING AND HANDLING INFORMATION IN TASKS OF INDUCTIVE MODELLING FOR BUSINESS INTELLIGENCE SYSTEMS

INTEGRATED ENVIRONMENT FOR STORING AND HANDLING INFORMATION IN TASKS OF INDUCTIVE MODELLING FOR BUSINESS INTELLIGENCE SYSTEMS Artificial Intelligence Methods and Techniques for Business and Engineering Applications 210 INTEGRATED ENVIRONMENT FOR STORING AND HANDLING INFORMATION IN TASKS OF INDUCTIVE MODELLING FOR BUSINESS INTELLIGENCE

More information

SECTION 509: Payment Card and Electronic Funds Transfer (EFT) Procedures

SECTION 509: Payment Card and Electronic Funds Transfer (EFT) Procedures Page 1 SECTION 509: Payment Card and Electronic Funds Transfer (EFT) Procedures SOURCE: NDSU President NDSU VP for Finance and Administration NDSU VP for Information Technology It is the University s responsibility

More information

CREDIT CARD MERCHANT PROCEDURES. Revised 01/21/2014 Prepared by: NIU Merchant Services

CREDIT CARD MERCHANT PROCEDURES. Revised 01/21/2014 Prepared by: NIU Merchant Services CREDIT CARD MERCHANT PROCEDURES Revised 01/21/2014 Prepared by: NIU Merchant Services CREDIT CARD MERCHANT PROCEDURES Contents Role of NIU Merchant Services 2 Security. 3 Method of Payment 3 Departmental

More information

Transcript of Cleveland BioLabs

Transcript of Cleveland BioLabs Transcript of Participants Rachel Levine Vice President of Investor Relations Dr. Yakov Kogan Chief Executive Officer Neil Lyons Chief Financial Officer Dr. Langdon Miller Senior Medical Advisor Analysts

More information

An Innovate Dynamic Load Balancing Algorithm Based on Task

An Innovate Dynamic Load Balancing Algorithm Based on Task An Innovate Dynaic Load Balancing Algorith Based on Task Classification Hong-bin Wang,,a, Zhi-yi Fang, b, Guan-nan Qu,*,c, Xiao-dan Ren,d College of Coputer Science and Technology, Jilin University, Changchun

More information

Evaluating the Effectiveness of Task Overlapping as a Risk Response Strategy in Engineering Projects

Evaluating the Effectiveness of Task Overlapping as a Risk Response Strategy in Engineering Projects Evaluating the Effectiveness of Task Overlapping as a Risk Response Strategy in Engineering Projects Lucas Grèze Robert Pellerin Nathalie Perrier Patrice Leclaire February 2011 CIRRELT-2011-11 Bureaux

More information

An Approach to Combating Free-riding in Peer-to-Peer Networks

An Approach to Combating Free-riding in Peer-to-Peer Networks An Approach to Cobating Free-riding in Peer-to-Peer Networks Victor Ponce, Jie Wu, and Xiuqi Li Departent of Coputer Science and Engineering Florida Atlantic University Boca Raton, FL 33431 April 7, 2008

More information

To identify entities and their relationships. To describe entities using attributes, multivalued attributes, derived attributes, and key attributes.

To identify entities and their relationships. To describe entities using attributes, multivalued attributes, derived attributes, and key attributes. CHAPTER 3 Database Design Objectives To use ER odeling to odel data. To identify entities and their relationships. To describe entities using attributes, ultivalued attributes, derived attributes, and

More information

ADJUSTING FOR QUALITY CHANGE

ADJUSTING FOR QUALITY CHANGE ADJUSTING FOR QUALITY CHANGE 7 Introduction 7.1 The easureent of changes in the level of consuer prices is coplicated by the appearance and disappearance of new and old goods and services, as well as changes

More information

How To Prepare For An Australian Conference On Aids 2014

How To Prepare For An Australian Conference On Aids 2014 Words of Welcoe Dear Colleagues, The convening of the 20th International AIDS Conference (AIDS 2014) in Melbourne, Australia, in July 2014 represents a treendous opportunity to highlight the diverse nature

More information