Have you ever wondered what happens during a swipe of a credit card? Every major tech company will become a payments company. Yet, not many people understand how payment systems in the US work. Those that do "get it" are unlocking multi-billion dollar opportunities. If you've ever wondered what happens when you actually swipe/dip/tap your credit card or debit card then The Anatomy of the Swipe breaks down the details in the simplest manner possible. Here are some questions answered within these pages: How does money move from my credit card to my favorite coffee shop? How can I build a neo-bank? How can I build my own debit or credit card? How can I accept card based payments? The Anatomy of the Swipe speaks to software developers and entrepreneurs who are looking at implementing card-based payments for the first time, merchants who want to be able to accept payments for a website or store, or those who want to issue their own debit/credit card. This book walks beginners through modern innovations created because of card-based payments, as well as the motivations and revenue models of each party in the payments ecosystem.

This book delves into the essential concepts and technologies of acquiring systems. It fills the gap left by manuals and standards and provides practical knowledge and insight that allow engineers to navigate systems as well as the massive tomes containing standards and manuals. Dedicated to card acquiring exclusively, the book covers: Payment cards and protocols EMV contact chip and contactless transactions Disputes, arbitration, and compliance Data security standards in the payment card industry Validation algorithms Code tables Basic cryptography Pin block formats and algorithms When necessary the book discusses issuer-side features or standards insomuch as they are required for the sake of completeness. For example, protocols such as EMV 3-D Secure are not covered to the last exhaustive detail. Instead, this book provides an overview, justification, and logic behind each message of the protocol and leaves the task of listing all fields and their formats to the standard document itself. The chapter on EMV contact transactions is comprehensive to fully explain this complex topic in order to provide a basis for understanding EMV contactless transaction. A guide to behind-the-scenes business processes, relevant industry standards, best practices, and cryptographic algorithms, Acquiring Card Payments covers the essentials so readers can master the standards and latest developments of card payment systems and technology

"Payments Systems in the U.S." is a comprehensive description of the systems - (cards, checks, cash, ACH, etc.) that move money between and among consumers and enterprises in the U.S. In clear and lively writing, the authors explain what they systems are, how they work, who uses them, who provides them, who profits from them and how they are changing. Anyone working in the payments industry - or needing to use payments products - can benefit from understanding this. The second edition updates information on card, ACH, and check systems, as well as providing perspective on developments in emerging payments.

The book is mostly devoted to the study of the prime factors of integers, their size and their quantity, to good bounds on the number of integers with different properties (for example, those with only large prime factors) and to the distribution of divisors of integers in a given interval. In particular, various estimates concerning smooth numbers are developed. A large emphasis is put on the study of additive and multiplicative functions as well as various arithmetic functions such as the partition function. More specific topics include the Erdős-Kac Theorem, cyclotomic polynomials, combinat.

Please note: This is a companion version & not the original book. Sample Book Insights: #1 There are four main components to the payments ecosystem: the card, the merchant, the acquirer, and the payment network. The card is issued by a bank, and the merchant acquires them and provides them with the tools and facilities to accept and process card-based payments. #2 The anatomy of a swipe is the process of using a debit card. It begins with a transaction at a coffee shop, and it is processed by the merchant and the bank. The bank sends a message to the cardholder’s bank, which approves or disapproves the transaction. #3 When Emmet used his debit card, he most likely went to a physical location of a Moneybin Bank to open a checking account. He was then asked to deposit some funds into the checking account so he could start using his debit card or write checks. #4 The three seconds it takes for Emmet to dip his card at Bucks of Star Coffee is a very brief example of how a lot can happen within that time frame when it comes to card payments.

A single day in Amsterdam, 1632. The Surgeons’ Guild has commissioned a young artist named Rembrandt to paint Dr. Nicolaes Tulp as he performs a medical dissection. In the swirl of anticipation and intrigue surrounding the event, we meet an extraordinary constellation of men and women whose lives hinge, in some way, on Dr. Tulp’s anatomy lesson. There is Aris the Kid, the condemned coat thief whose body is to be used for the dissection; Flora, his pregnant lover; Jan Fetchet, the curio dealer who acquires corpses for the doctor’s work; the great René Descartes, who will attend the dissection in his quest to understand where the human soul resides; and the Dutch master himself, who feels a shade uneasy about this assignment. As the story builds to its dramatic conclusion, circumstances conspire to produce a famous painting—and an immortal painter. Vividly rendered, masterfully written, The Anatomy Lesson is a story of mind and body, death and love—and redemptive power of art.

Jonathan Wilson and Scott Murray provide a forensic analysis of ten key Liverpool games that have shaped the club's fortunes over the last century: from the long-lost triumphs of Tom Watson (a 19th-century Bill Shankly) to 1970s European triumphs over the likes of Borussia Monchengladbach and the mind-blowing 2005 comeback against AC Milan. Aston Villa v. Liverpool April 1899 Wolves v. Liverpool May 1947 Liverpool v. Leeds FA Cup final, May 1965 Liverpool v. Crvena Zvezda November 1973 Liverpool v. Borussia Mönchengladbach European Cup final, May 1977 Liverpool v. Roma European Cup final, May 1984 Liverpool v. Nottingham Forest April 1988 Everton v. Liverpool February 1991 Roma v. Liverpool February 2001 AC Milan v. Liverpool Champions League final, May 2005