Thank you for your service to this country. It’s difficult to find proper words to express our gratitude. Veteran’s Day is set aside as a day of recognition but the gratitude is felt daily. The bravery, sacrifice, and strength do not go unnoticed, and we will always be indebted to you and your family for all that you have given to our amazing country.
We would like to thank you very much for your service!
Thank you for your time, bravery, and sacrifice for this country.
In March, 2022 Insight Retail Software announced that we had chosen Skupos Inc. as the scan data provider for InsightRS in the C-Store / Petroleum market! In the past 5 months we have successfully converted hundreds of c-store customers and we are now winding down our efforts to convert the last few Petro-Retailer Scan Data customers. If you are a current InsightRS C-Store scan data customer that has not converted to Skupos = the clock is ticking = Take action now to avoid any interruption in service!
Call Skupos now to make sure you can immediately take advantage of the upcoming changes to Altria’s scan data and loyalty programs – at no additional cost.
InsightRS will cease our scan data submission for Petroleum customers on 9/15/2022.
Note: We will continue to submit scan data for our Retail Point-of-sale customers.
InsightRS will now focus on our V4 rPosIO Suite of Cloud products. Our V4 rPOSio launch coming soon!
Call us today for your Retail Point-of- Sale and backoffice Cloud Product for your C-Store needs. 518.633.4111 Option 1, or drop us an email: sales@insightRS.com
Bottled Water is the trend and big seller. Depend on backOffice™ Software for proper pricing and inventory. How about a mix and match promotion? Keep your shelves hydrated!
Great information from NACS Online.
BOTTLED WATER’S POPULARITY SOARING
WASHINGTON, D.C. – Bottled water will outshine soda for the first time in U.S. history in 2016, spurred by its convenience and fears over tap water, Bloomberg reports. A previous report found that bottled water consumption grew 120% between 2000 and 2015.
The nation’s largest bottled-water producers (Coca-Cola Co., Dr Pepper Snapple Group, Nestle Waters and PepsiCo Inc.) point to Americans desiring portable, calorie-free beverages, but predict the trend will continue because of concerns over contaminated drinking water.
Communities in Flint, Mich., Newark, N.J., and Washington, D.C. are struggling to replace corroded pipes that have leached lead into tap water. “Concerns in places like Flint do bring bottled water to people’s attention as a safe and sealed source of drinking water,” said Jane Lazgin, a spokeswoman for Nestle Waters North America. The U.S. Environmental Protection Agency forecasts a whopping $384 billion is needed to maintain or replace essential components of the nation’s water infrastructure over the next decade or so.
Euromonitor expects Americans to down 27.4 gallons of bottled water in 2016, 1.2 gallons more than carbonated soft drinks. That switch hasn’t impacted the bottom line of soft drink manufacturers because many of them have expanded into bottled water.
For more on packaged beverages (including bottled water), read “The Workhorse” in the August 2016 issue of NACS Magazine.
Visa Global Payment System Risk is aware of increasing incidents involving suspects placing skimming devices on point-of–sale (POS) terminals for the purpose of collecting payment card information, including PIN numbers. Perpetrators use this information to create counterfeit cards re-encoded with the stolen card information and make unauthorized ATM withdrawals. The primary targets for these recent skimming events are self-checkout terminals in supermarkets. However, any POS terminal may be at risk, including those that are often unattended, such as terminals near deli counters, coffee stands, etc. The perpetrators are mobile and will target multiple stores within a geographic area for a period of time before moving on to a new location. Most entities targeted are using payment devices that have not yet been upgraded to accept EMV cards.
Placement of Skimming Devices
Skimming devices can be placed at any time of the day but placement usually occurs during slower times of business when the perpetrators can go undetected by employees or other customers. The perpetrators will usually work in teams of two or more with one person being a lookout, one person placing the skimming device on the POS terminal and another creating a barrier so that no one can observe the skimming device being placed. Perpetrators have been known to use large items such as packs of paper towels to block the view of POS terminals. In some instances, it was reported that the suspects created a distraction in the store by faking a medical incident or causing commotion that distracted the attention of store personnel away from the POS terminals. The skimming devices will mimic the look of the front of the POS terminal.
Recommended Inspection & Response Actions
1. Prevention Through Device Inventory Management
- In accordance with PCI DSS Requirement 9.9, ensure implementation of security controls to protect POS devices from tampering and substitution. Examples include:
⇒ Maintain a list of devices including the device serial number or other method of unique identification.
⇒ Keep a list of device location either by store or physical location within the store itself (i.e., self-checkout, deli counter, manned checkout).
⇒ Train personnel to be aware of suspicious behavior and to report tampering or substitution of devices.
⇒ Verify the identity of any third-party persons claiming to be repair or maintenance personnel, prior to granting them access to modify or troubleshoot devices.
2. Physical Inspection of POS Devices
- Implement security procedures to inspect POS devices at least twice each day and at random times.
- Physically examine the device. Skimming devices are typically attached with minimal adhesive allowing them to be place and removed with ease, so devices may be detected by giving the front of the POS/PED a good grab-and-pull. Weighing the devices may also identify tampering.
- Please note some skimming devices are Bluetooth enabled and data can be captured without the device needing to be recovered.
- When inspecting devices, use backup security personnel to monitor from a distance as suspects may watch compromised terminals and suspects are trained in counter surveillance to avoid detection/arrest.
3. Device Recovery Response
- If a skimming device is discovered on a POS terminal, do not handle it, as evidence may be damaged.
- Notify local law enforcement and the FBI or USSS office so they can recover the skimming device.
- Protect any video surveillance that may be used to identify any perpetrators and confirm timing of when the device was placed on the POS terminal.
- Initiate incident response procedures and notify your Acquirer so that Visa can assist with the investigation.
Information from VISA April 2016
For other questions, please contact Cyber Intelligence & Investigations via email at USFraudControl@visa.com
What is end of support?
Beginning January 12, 2016, only the most current version of Internet Explorer available for a supported operating system will receive technical support and security updates. Internet Explorer 11 is the last version of Internet Explorer, and will continue to receive security updates, compatibility fixes, and technical support on Windows 7, Windows 8.1, and Windows 10.
Internet Explorer 11 offers improved security, increased performance, better backward compatibility, and support for the web standards that power today’s websites and services. Microsoft encourages customers to upgrade and stay up-to-date on the latest browser for a faster, more secure browsing experience.
What does this mean?
It means you should take action. After January 12, 2016, Microsoft will no longer provide security updates or technical support for older versions of Internet Explorer. Security updates patch vulnerabilities that may be exploited by malware, helping to keep users and their data safer. Regular security updates help protect computers from malicious attacks, so upgrading and staying current is important.
Potential risk of using older versions of Internet Explorer:
Without critical browser security updates, your PC may become vulnerable to harmful viruses, spyware, and other malicious software which can steal or damage your business data and information.
Businesses that are governed by regulatory obligations such as HIPAA should conduct due diligence to assess whether they are still able to satisfy compliance requirements using unsupported software.
Lack of ISV Support
Many Independent Software Vendors(ISVs) no longer support older versions of Internet Explorer. For example, Office 365 takes advantage of modern web standards and runs best with the latest browser.
RETAILERS ON THE HOOK FOR COUNTERFEIT TRANSACTIONS
NEW YORK – Beginning with the October 2015 EMV liability shift, retailers that have not upgraded their payment terminals to accept EMV chip-card transactions are
“on the hook”
for counterfeit transactions, writes the Wall Street Journal, and this particular cost of fraud—chargebacks—is adding up.
The news source reports that chargebacks among small and medium-size merchants increased 15% in Q4 of 2015 from a year earlier, according to a Strawhecker Group survey, adding that the volume of chargebacks has likely increased even more since then. Although the group didn’t put a dollar figure on the chargebacks, other experts put the total around the tens-of-millions of dollars mark.
Since the October 2015 EMV liability shift, many retailers are experiencing an outrageous increase in chargebacks that are mostly erroneous. Mike Lindberg, payment solutions manager at CHS Inc., commented during the Conexxus Annual Conference last week that some smaller retailers have reported a $10,000 to $15,000 increase in chargebacks per week, while larger retailers are experiencing $1 million in chargebacks per week.
“I can’t imagine what will happen at the pump come October 2017,” Lindberg warned.
The No. 1 chargeback reason code since October 2015 is
“merchandise not received,”
he said, which in theory makes no sense for the big box retailers. Some retailers are even seeing multiple chargebacks on the same credit card, and indicating that there is very little interest from card issuers or acquirers to help solve this costly problem.
Due diligence, however, can pay off. Convenience retailers experiencing a higher volume of chargebacks can successfully reverse the charges on challenge because convenience retailers aren’t within the October 2015 liability shift specification for type and applicability (i.e., the fuel dispenser).
“The banks will hopefully learn from the first October 2015 liability shift what is chargeable, because right now it’s a
‘charge it all back and see what gets challenged’
approach,” said Gray Taylor, executive director of Conexxus. He previously told NACS Daily that this approach to chargebacks “will have dire consequences for small to mid-size retailers, who can scarcely afford dedicated chargeback staff.”
CAN WE GET A ‘MEH’?
Survey finds that consumers don’t seem to care whether payment terminals are EMV capable.
NEW YORK – Forbes writes “there was a lot of hoopla” surrounding the October 1, 2015, EMV liability shift date, where retailers that did not upgrade to EMV-capable payment technology would become liable for any fraudulent purchases that resulted from chip-card transactions.
According to a recent CardHub survey, 42% of retailers have not updated terminals in their stores to make them EMV-compliant—and consumers don’t seem to care, writes Forbes. The publication added that CardHub found “some 56% of people surveyed don’t care if a retailer’s payment terminal is chip-enabled, and 41% of consumers say they don’t have—or don’t know if they have—a chip-enabled credit card.”
Of the retailers CardHub included in its survey, only 60% that said they would complete equipment upgrades by the October 1, 2015, liability shift deadline have finished updating all of their terminals.“We were a little bit surprised by just how slow the uptake is here,” Jill Gonzalez, an analyst at CardHub, told Forbes, adding, “The banks did their part, the financial institutions got their chip-enabled cards out, and the retailers really are taking their time.” She also says that retailers “aren’t feeling the pressure of being responsible for fraudulent activity” because it hasn’t become a financial reality.
However, as Conexxus Executive Director Gray Taylor points out, many retailers haven’t flipped the switch to accept EMV payments “because they can’t, reasonably or unreasonably.” There’s also strong indication from retailers that the October 1, 2017, liability shift for outdoor payment equipment (i.e., dispensers) will be difficult to reach for those same reasons. “What has resulted is retailer abuse—starving innovation, paying premiums for development, putting equipment into the market with the understanding that multiple site-down visits will be required—has never been seen before in any mandate,” he told NACS Daily.
“Furthermore, the card companies aren’t calling EMV a mandate, but for retailers who don’t do it, chargebacks will go from a light sprinkle to a massive downpour.”
Forbes writes that installing EMV-compliant terminals is a dual-cost process for retailers. The first cost is upgrading (or in some instances replacing) all of their terminals, and the second cost is terminal activation. For consumers, their “meh” attitude is likely because education about EMV chip cards hasn’t emphasized the security aspect.
Retailers may have a “Meh” attitude but EMV is real and MUST be addressed. It’s a difficult process for everyone but our QIR Certified Staff can help to answer your questions. Don’t wait until the chargebacks start to happen, as was the case with one of our customers.
That means spring forward
change the batteries on the smoke detectors
— BACKUP YOUR DATA —
Backing up your data is like flossing your teeth.
You don’t have to floss them all
just the ones you want to keep.