A PCI Compliant Outdoor Payment Terminal For Automated Fuel Dispensers

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1 A PCI Compliant Outdoor Payment Terminal For Automated Fuel Dispensers

2 Security Vulnerability Are you protected? Organized crime rings are increasingly targeting merchants to obtain magnetic stripe data ( track data ) and Personal Identification Numbers ( PINs ). Recently, these attacks have focused on Automated Fuel Dispensers ( AFDs ) typically found at gasoline stations.

3 Visa Reports AFDs as primary targets Findings Fraud Activity concentrated in Southern California & Florida Specific AFD manufacturers and models targeted Organized groups target locations: goal is track and PIN data Targets High Volume stations AFD located away from cashier Access via front panel with shared brass key Suspects impersonate pump service technicians Reader device attached to card reader and PIN pad Source: Visa Webinar

4 Fuel Dispenser Liability Against Fraud: Path of Least Resistance CSP Daily News Using a credit card at a gas station could pose more of a risk for data theft than shopping online, as point-of-sale (POS) terminals have emerged as a weak link in the security chain, said the IDG News Service, citing a Gartner Inc. analyst. 100% Palm-Size Skimming Device Degree of Security 0% Retail Restaurant Petro Fuel Dispenser Organized Crime Focus

5 Automated Fuel Dispenser PCI Key Dates Payment Card Industry (PCI) Requirement Dates January 1, 2009 All new fuel dispensers deployed must have PCI approved PIN entry devices installed July 1, 2010 All transactions originating at attended or unattended (AFD s) must be encrypting PINs using Triple Data Encryption Standard (TDES) from the point of transaction to the issuer (end-to-end)

6 Non Compliance - At what Cost? Large Legal Fees Expensive Financial Institution Fines Loss of Merchant Services Agreement Embarrassment Negative Brand Exposure Reduced Customer Confidence Lost Sales

7 PCI compliance TODAY Superior Security Secure PumpPAY ensures the highest security available at fuel dispensers Today Meets the latest Payment Card Industry (PCI) requirements to provide the most secure on-line and PIN entry Supports the Triple DES method of encryption at the fuel dispenser (point of purchase)

8 PCI Compliant, Proven Performance Third Generation fuel dispenser payment product with over 6000 units installed worldwide Product line acquired with Trintech acquisition in November 2006 Experts in unattended payment solutions for over a decade First PCI Compliant Dispenser Card Terminal available for the US market Integrated Contactless Module included with every unit Retrofit Kits available for installed dispenser base: Gilbarco Advantage Tokheim Premier B, C and MMD s Wayne Vista Series

9 Secure PumpPAY Feature Overview Color LCD Screen 5.7 ¼ VGA 32 bit Processor Secure embedded Linux OS 8 Screen Addressable Keys Tamper Responsive Housing PCI PED certified Large Key Polymer Keypad IP65 Rated Sealed Pinpad Dip Style Magnetic Stripe Card Reader Connectivity: 2 serial ports 1 Ethernet port Optional PSTN/ISDN port Built-in privacy shield Contactless Card Reader Integrated into unit 24MB Memory 8MB Flash, 16MB DRAM 512K Secure SRAM Software Development Kit APIs and XML/HTML GUI development tools Support for 3 SAMs

10 Secure PumpPAY Card Interface Manual-insert, triple-track magnetic stripe card reader with shutter to prevent insertion of foreign objects Contactless Card Reader supports all US Contactless schemes

11 Rugged & Reliable Ideally suited for the outdoors with exceptional protection against harsh environmental elements Chemical and petroleum resistant casing with IP65-rated, sealed keypad Recessed, backlit display for maximum visibility in bright sunlight -15 o C to +60 o C operating temperature range, extendible with cabinet heating/cooling Rugged design available for a wide range of existing fuel dispensers, including: Gilbarco Advantage Wayne Vista Tokheim Premier B/MMD s Tokheim Premier C Industrial grade components for reliable operation in heavy usage environments

12 Digital Merchandising Extended to the Island Promotional Advertising Drives Traffic into the store for High Margin Sales Large, high-resolution, ultra bright color 5.7 ¼ VGA screen ensures maximum visibility and permits feature and content rich applications for any environment Special offers / customer promotions Loyalty programs / your branding Secure LINUX-based operating system allows for value-added applications including: loyalty, gift card, and contentdriven promotions

13 Integrated, All-in-One Design Simplifies Installation and Service Retrofit Kits are available for all major dispenser manufacturers and models commonly installed Compact design streamlines installation PCI approved design streamlines retro-fits or new installs Most dispensers can be completed in about an hour Retrofit Kits include the following OP4100 PCI Compliant Card Reading Terminal High Speed Thermal Printer that supports high resolution images and graphics Dispenser door replacement panel that meets original manufacturer design and materials Cables, connectors and power supplies Mounting brackets and door locks Easily integrates into Ruby and Topaz POS systems

14 Proven Performance: Over 6000 Units Installed and Working Globally VeriFone s OP 4100 hardware is a third generation dispenser payment product installed in Europe and Asia VeriFone is the preferred EMV solution provider for Dresser Wayne Globally Proven TDES encrypted technology OP 4100 incorporates all payment functionality in one single device EuroShell installations nearing 1600 sites Dresser Wayne ADNOC UAE

15 U.S. Beta Trials Currently in Progress 9 Beta Sites Installed to date First install at Express Lane in Muskegon, MI in October 2007 in Bennett Pacific pumps Pictures shown on this slide are from the K&N Amoco in Lakeland, FL in January 2008 in Tokheim Premier B (MMD) dispensers Slides provide more pictures of other installations.

16 Secure PumpPAY Market Ready Today Gilbarco Advantage Fuel Dispenser Retrofit Kit Product Images of VeriFone s Secure PumpPAY installed and working at a Rally store in Palm Harbor, FL

17 Secure PumpPAY Market Ready Today Tokheim MMD Fuel Dispenser Retrofit Kit More Images from the BP Store in Lakeland, FL

18 Secure PumpPAY Market Ready Today Tokheim Premier B Fuel Dispenser Retrofit Kit Product Images of VeriFone s Secure PumpPAY installed and working at a Conoco store in Ault, CO

19 Secure PumpPAY Market Ready Today Tokheim Premier B Fuel Dispenser Retrofit Kit More Images from the Conoco Store in Ault, CO

20 Secure PumpPAY Market Ready Today Tokheim Premier C Fuel Dispenser Retrofit Kit Product Images of VeriFone s Secure PumpPAY installed and working at a Sinclair store in Boulder, CO

21 Secure PumpPAY Market Ready Today Tokheim Premier C Fuel Dispenser Retrofit Kit More Images from the Conoco Store in Boulder, CO Before SPP After SPP

22 Secure PumpPAY Market Ready Today Tokheim Premier B Fuel Dispenser Retrofit Kit Product Images of VeriFone s Secure PumpPAY installed and working at a Valero store in Denver, CO

23 Secure PumpPAY Market Ready Today Tokheim Premier B Fuel Dispenser Retrofit Kit More Images of VeriFone s Secure PumpPAY installed and working at a Valero store in Denver, CO

24 July 1, 2010 is Fast Approaching 700K 350K Time is running out Fuel dispensers must be TDES compliant by July 1, 2010 There are no secure fuel pumps working today 900K dispensers in the US will require upgrades Debit at the pump is growing 26% annually; liability growing VeriFone has the first PCI Compliant Dispenser Card Terminal available for US market EMV certified and Interac certified Cost to retrofit existing dispensers is 25% of the cost of a new PCI compliant dispenser Custom retrofit kits available today for most existing fuel dispensers Retrofit takes about an hour per dispenser; most sites can be completed in one day 0 PCI

25 Secure PumpPAY Compliance Plus Promotions Features Benefits PCI Compliant More secure, supports PCI Compliant key injection Manual insert hybrid card reader Recessed display screen for improved visibility in bright sunlight Recessed keypad with built-in privacy shield Full travel keys on keypad Bright display for improved visibility from distances Includes shutter to prevent insertion of foreign objects. No motors or drive belts that wear out and fail. Recessed display partially shields sun for improved usability Provides added security for PIN entry Provides tactile feedback; faster key entry; improved durability over membrane keypads Display and promotional content visible from longer distances for high impact messaging

26 PPI-DurEquip and VeriFone can help you achieve PCI compliance today!