BIN check

How Does A Credit Card Transaction Happen?

Credit cards are very popular means of making payments for various kinds of transaction. You can purchase air travel tickets, book accommodation, pay for purchases and other services both online and offline with credit cards. With these plastic cards, the burden and risk involved in carrying cash is eliminated. Many people have it. Unfortunately, a lot of the users of credit cards don’t know how it actually works or what happens when they make payment with their credit card.

Credit card transactions are completed just within seconds but the process undergone is really complicated. When you swipe your credit card via POS or an electronic terminal, the system will read the account information. The transaction cannot go through unless it is authorized issuer of the card. Thus, the system will send a request for authorization to the acquiring bank which will in turn contact the issuer of the card for authorization. The issuer will authorize or reject the order. It will prepare an approval code if the transaction is authorized or a denial code if the transaction is rejected and then send it to the merchant through the same route it receives it. The machine will generate a receipt for the transaction. If it is approved, your signature will be required but if rejected, your order will be denied. The entire process is completed within seconds. The process takes place when credit card is used to make payment online.

RDP

Remote Desktop Protocol: Basic Security Tips for Remote Desktop

Though remote desktop sessions are protected with encryption, earlier versions of RDP are still vulnerable to unauthorized access because of the method utilised in encrypting sessions. Thus, you need to apply extra steps for enhanced security. Here are some tips to apply to improve security of your remote desktop.

Use strong and difficult-to-guess passwords

Before enabling any remote desktop, it is advisable that you create a password for your account. Many people make the mistakes of using names and dates of important events in their lives. These names and dates are very easy to guess. When somebody wants to get an unauthorized access to your account, normally, they will start guessing your password with names of your significant orders or people you love and their birthdays. If you are in the habit of using such numbers, you should stop it. Though, it may be easy for you to remember, they are easy to be guessed. It is advisable that you use words and numbers that have no relation to any of your loved ones and important dates in your life such as birthday, wedding date, graduation date and others. Normally, the system will show strong and weak passwords. As a rule of the thumb, you should use passwords that are strong. Use combination of alphabets and numbers.

Keep your software updated

Remote desktop updates its components automatically so that it will be up to date with the latest security features in the standard Microsoft patch cycle. This automatic update feature gives it an edge over 3rd party remote admin tools. It is important that you enable this feature as this will ensure that you are operating on the latest versions of both server and client software. Also ensure that any other platform connected to your Remote Desktop clients is up to date and still supported. This is because older versions may have some security challenges as they may not support high encryption.

Use Firewalls to restrict access

You should also restrict access to your remote desktop listening ports using both software and hardware firewalls. A typical example of such firewall is RDP Gateway which can limit access to servers and desktops. You should also make use of VPN software as an alternative to support off-campus connectivity to get a campus IP address. You should also ensure that RDP firewall exception rule includes your campus VPN network address pool.

Enable network level authentication

Network Level Authentication (NLA) is available by default in Windows Vista, Windows Server 2008 and Windows 7. It is also advisable that you leave this default feature because it offers added level of authentication prior to the establishment of a connection. You can only allow connection to RDP without NLA if other platforms that use Remote Desktop do not support it.

Limit Users that Can Log in Using Remote Desktop

All administrators are able to log in to RDP by default. In case you have more than one account for administrator on your computer, it is advisable that you allow remote access only to accounts that require it. Remove administrative access via RDP from Remote Desktop if it will not be utilised for system administration. Give access to only user accounts that require RDP service.

BIN check

What to Bear in Mind When Using a BIN Checker

Many businesses have already started using BIN checker and are getting good results especially when it comes to the prevention of charge back and reduction of credit card fraud. If you have not started using it to verify orders before authorization, it is advisable that you begin doing so. Fortunately, BIN checker software is readily available. Some are provided free of charge while with some, you will be required to make some payment before you can install or download the software or have access to the software. If you perform a Google search on BIN check, definitely, you will get impressive results. However, it is advisable that you use one that will provide you with the best results. There are a number of facts to know about BIN checker which will help you to make an informed decisions.

BIN checkers do not have the same database

One important fact that you should know about BIN checker is that their database differs in size. This means that they do not contain the same amount of information. How big your BIN checker’s data base is will determine the accuracy of the result you will obtain. For example, with a BIN checker of small database, you will not be able to verify all credit cards. Thus, it is of crucial importance that you consider how big your database is before you purchase it. As a rule of the thumb, pay for one with a large data base.

It is also of crucial importance to ensure that you pay for one that is being updated on regular basis. It is of no use making use of a BIN checker that is not being updated. It is like using an outdated software. This is because more and more credit cards are being issued on daily basis. Similarly, new brands of and types of plastic cards are being introduced on daily basis. So, if you are using an outdated one, you will not get any information when you look up BIN information on new cards. Reliable BIN checker service providers update their database regularly. So, it will be good that you use such services.

Free vs paid BIN checker

As already mentioned, BIN checker software is available in two types, paid and free type. As it is said, nothing good comes very cheap. Always bear in mind that free types have some restrictions. You will not be allowed to use all the features. Thus, don’t expect any reasonable result if you are using free BIN checker. Paid BIN checkers have more features and thus provide better results. So, spend a little in order to have access to a complete feature and services. But Spend your money on a trusted type.

Compatibility with your system

Another important factor to take into consideration before you purchase a BIN checker is its interface as well as the operating system it is compatible with. When purchasing a BIN checker, buy one that has a user-friendly interface and one that is compatible with your computer’s operating system. Purchasing one that is not compatible with your system is like paying for something that you will not use.