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[Customer Logo Here]. Introducing Secure PumpPAY A Payment Security solution for your existing fuel dispensers from VeriFone. [Your Company Name Here]. Discussion Topics. Why Secure PumpPAY  Why now What our customers are telling us Overview of Secure PumpPAY features

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Presentation Transcript
slide1

[Customer

Logo

Here]

Introducing Secure PumpPAYA Payment Security solution for your existing fuel dispensers from VeriFone

[Your Company Name Here]

discussion topics
Discussion Topics
  • Why Secure PumpPAY  Why now
  • What our customers are telling us
  • Overview of Secure PumpPAY features
    • Dispenser retrofit kit options available
  • Understanding your fuel dispenser PCI options
  • Common Misconceptions – Information you need to Know
  • What to expect during installation
  • Other PCI-related solutions you should consider
  • Questions
why secure pumppay why now
Why Secure PumpPAY, Why Now?

Convergence of three key attributes:

  • Card usage sharply increased at the pump
  • PCI standards and dates have been cemented
  • Improved security at retail stores and restaurants has exposed our industries vulnerability
    • Over 1 million fueling positions are prime targets
significant rise in card use at petroleum retail sites
Significant rise in card use at petroleum retail sites
  • Pay at the pump availability has grown steadily
    • Approx. 90% of sites offer pay at the pump
    • Approx. 60%% of sites also accept Debit at the pump
  • North America has over 700K dispensers (over 1.4M fueling points)
  • Cards have surpassed cash as dominant payment form at convenience stores
  • Recent rise in fuel costs have driven additional card transactions
pci standards and dates have been cemented
PCI standards and dates have been cemented

January 2009

New fuel dispensers must support Triple DES (TDES) by January 1, 2009.

  • All newly deployed unattended POS PIN acceptance devices must contain an EPP that has passed testing by a PCI recognized laboratory and is approved by Visa for new deployments.

Impact: TDES-capable PCI certified keypads required on new dispensers accepting PIN debit transactions.

Visa Security Mandates

July 2010

Existing fuel dispensers must support Triple DES (TDES) by July 1, 2010.

  • All transactions originating at POS PEDs must be encrypting PINs using TDES from the point of transaction to the Issuer (end-to-end)

Impact: TDES-capable PCI certified keypads required on all dispensers accepting PIN debit transactions.

key pci dates you need to be aware of

Secure the forecourt with TDES

Upgrade to PCI PED PIN Pads & TDES

Update Payment Software to PABP

1

2

3

January 2009New dispensers

June 2010Existing dispensers

June 2010Merchants VISA PED or PCI PED Pin Pads and TDES

October 2008 New Stores

July 2010All Stores

July

2008

Oct

2008

Jan

2009

April

2009

July

2009

Oct

2009

Jan

2010

June

2010

July

2010

Key PCI dates you need to be aware of
improved security in other industries has exposed our vulnerability
Improved Security in other industries has exposed our vulnerability

Thieves Increasing Targeting Fuel Dispensers

100%

Degree of

Security

0%

Retail

Restaurants

Gas Stations

Organized Crime Focus

“Using a credit card at a gas station poses more of a risk for data theft than shopping online, as point-of-sale terminals at the pump have emerged as a weak link in the security chain”  Gartner Group

fuel dispenser skimming is becoming epidemic
Fuel dispenser skimming is becoming epidemic

7/29/08 Calgary Police estimate 2 or 3 new "Skim" sites are set up every day in Calgary. The lead investigator, Constable Darren Hafner guesses there\'s up to 50 different stores in Calgary on any given day with skimmers and cameras operating.

7/29/08Under the pretense of needing a nicotine fix, a man walked into an Edmonton gas station last week and ran out with a debit-card machine.

7/23/08OPP investigators believe they\'ve broken up a fraud operation that involved the use of "skimming" devices in fuel pumps to collect the credit card and debit card information of Windsor and Essex County residents.

7/23/08Devices used to steal your credit card number are showing up in the Austin area. Just last week, Texas Department of Public Safety troopers say they found one in a man\'s car. They\'re afraid he\'s part of a much bigger operation.

7/22/08 “In Las Vegas, just in the last month, we have recovered 4-5 skimmers and a gas station skimmer that was actually in a pump.”

7/9/08 That\'s what Pennsylvania State Police said about the thieves who cracked into numerous Lower Bucks bank accounts by planting a card skimmer inside gas pumps, including one at a Bristol Township Wawa.

what our customers are telling us
What our Customers are telling us
  • Most customers don’t understand what they have to do to meet PCI mandates
      • Think the dates will be pushed out again
      • Don’t believe these PCI mandates apply to them
      • Are angry with the Card Associations because of Interchange Fee “Ransoms” they are paying
  • There is much confusion about the various options available
  • Other companies are misrepresenting their capabilities and leading customers to believe there are inexpensive, stop-gap solutions that are also Secure and will protect them from fraud
overview of secure pumppay and its features
Overview of Secure PumpPAY and its Features

32 bit processor

Secure embedded Linux OS

Color LCD screen

5.7” ¼ VGA

24MB memory

8MB Flash, 16MB DRAM

512K Secure SRAM

8 screenaddressable keys

Contactless Card Reader

Integrated into unit

Tamper responsive housing

PCI PED certified

Built-in privacy shield

Recessed keypad easier to use

Large key polymer keypad

IP65 rated sealed PIN pad

Dip Style Magnetic Stripe Card Reader

Connectivity2 serial ports

1 Ethernet port

Optional PSTN/ISDN port

Software Development Kit

API’s and XML/HTML GUI

development tools

** Remote key loading

increases fuel dispenser security
Extended bezel around unit eliminates or reduces ability of cameras being used for capturing PIN entries

Tactile keypad prevents keyboard overlay skimmers from being installed

OP4100 housing conceals all cables making installation of skimmers more difficult

PCI EPP 1.3 certified

Increases fuel dispenser security
  • New keys for doors will make access to Secure PumpPAY units more difficult as keys are not widely available
  • Canadian version features Secure Card Reader (EMV certified) which encrypts message from MSR to EPP and door switch
  • VeriShield Protect will further improve security by encrypting track data as soon as it is read by the MSR

Impact: Criminals will target pumps with known vulnerable DCR’s

secure pumppay security benefits
Meets the latest Payment Card Industry (PCI) requirements to provide the most secure on-line PIN entry as well as Triple DES method of encryption at the fuel dispenser

Secure PumpPAY housing conceals all cables making installation of skimmers more difficult

New keys for doors will make Secure PumpPAY units more difficult to access as keys are not widely available

Secure PumpPAY Security Benefits
secure pumppay enhanced security benefits
Extended bezel around unit reduces or eliminates ability of cameras being used for capturing PIN entries

Polymer tactile keypad prevents keyboard overlay skimmers from being installed

Remote key load feature allows debit keys to be loaded in the field and helps ease the process when changing networks

Secure PumpPAY Enhanced Security Benefits
additional secure pumppay benefits
Integrated, all-in-one design simplifies installation into existing pumps — Retrofit Kits available for all major dispenser manufacturers and models, and can be done in as little as 30 minutes.

Large color display provides bright attention-getting messages that help drive customers into the store for high margin sales.

Integrated high resolution printer included and can prominently highlight graphics such as company logos and bar-coded receipts for in-store promotions.

Additional Secure PumpPAY Benefits
additional secure pumppay benefits1
Built in Contactless Reader is included which future proofs your investment

Simplify management and customer interface by having the same system at all pumps.

Additional Secure PumpPAY Benefits
what are all of my options for pump security

OPTION

OPTION

OPTION

OPTION

1

2

3

4

What are all of my options for pump security?

Replace Dispenser with new product that features PCI EPP

Very costly

Replace only the Keypad with PCI EPP

Replace the Keypad and Card Reader with PCI EPP and Secure Card Reader

+

Replace Keypad, Card Reader and Display with PCI approved integrated payment terminal

understanding the risks current scenario
Understanding the Risks: Current Scenario

Current Payment System Vulnerabilities

Bug on MSR Cable – Capture Track Data

Bug in MSR – Capture Track Data

Debit Encryption

PIN Pad

Tampering – Capture Track Data and PIN

Encryption

Module

(GSM, etc.)

To Point of Sale

Tap on Line – Capture PINs and Track Data

understanding the risks tdes only scenario
Understanding the Risks: TDES-Only Scenario

TDES-only vulnerabilities: Move encryption to the dispenser

Bug on MSR Cable – Capture Track Data

TDES Keypad – Debit encryption

Bug in MSR – Capture Track Data

PIN Pad

Tampering – Capture Track Data and PIN

Dummy GSM

or Replaced

To Point of Sale

PIN’s Can NO longer

Be captured here

Tap on Line – Capture Track Data

understanding the risks epp scenario
Understanding the Risks: EPP Scenario

Encrypting PIN pad-only solution vulnerabilities

Bug on MSR Cable – Capture Track Data

Bug in MSR – Capture Track Data

Tamper Resistance & Detection

Dummy GSM

or Replaced

To Point of Sale

PIN’s and

Track Data

Hard to capture

Can STILL Capture

Track Data

Tap on Line – Capture Track Data

understanding risks epp secure card reader scenario
Understanding Risks: EPP + Secure Card Reader Scenario

EPP and Secure Card Reader Solution Vulnerabilities

Can NOT Capture Track Data on cable

Bug on MSR Cable – Capture Track Data

Bug in MSR – Capture Track Data

Tamper Resistance & Detection

Dummy GSM

or Replaced

To Point of Sale

PIN’s and

Track Data

Hard to capture

Can STILL Capture

Track Data

Tap on Line – Capture Track Data

is fuel pump fraud really a problem am i really at risk
In the last 2 years, there have been 24 fuel pump breaches reported

At least 70 stations have reported their pumps were breached

At least 800 consumers had their cards fraudulently used

Estimates of the fraud amounts are over $1.5M, or $2,000 per card average

Is fuel pump fraud really a problem? (Am I really at risk?)

Petroleum retailers should be aware that the number of fuel pump breaches is increasing dramatically.

  • In the past three months, skimming at the pump has been reported in:

Arizona

California

Delaware

Florida

Georgia

Indiana

Illinois

Massachusetts

Michigan

Nevada

New Jersey

North Carolina

Pennsylvania

Texas

Washington

Wisconsin

British Columbia

Alberta

Ontario

Saskatchewan

Africa

India

Australia

United Kingdom

is fuel pump fraud really a problem am i really at risk1
Is fuel pump fraud really a problem? (Am I really at risk?)
  • Data breaches more than doubled in 2008 first quarter
    • “Data breaches disclosed by Hannaford Bros Supermarket chain, GE Money, and Georgetown University are just some of the 167 breaches reported during the first quarter of 2008, according to the non-profit Identity Theft Resource Center.”

Petroleum retailers should be aware that the number of fuel pump breaches is increasing dramatically.

  • "Using a credit card at a gas station could pose more of a risk for data theft than shopping online...petroleum and convenience retailers must react quickly to avert unnecessary exposure to fraud and the mitigation expense they will undoubtedly incur if left unchecked." — Gartner Inc. Analyst
is fuel pump fraud really a problem am i really at risk2
Is fuel pump fraud really a problem? (Am I really at risk?)

Most retailer breaches are NOT disclosed, Gartner says

  • While nearly half of U.S. retailers have been hit with some kind of information security attack, only a small percentage of them have actually reported breaches to their customers, research company Gartner reports.
  • In a new study based on interviews with 50 U.S. retailers, Gartner found that 21 of them were certain they had a data breach. However, just three of the retailers had disclosed the incident to the public. (Only 14% of breaches.)

Petroleum retailers should be aware that the number of fuel pump breaches is increasing dramatically.

If this is true, then the ACTUAL number of fuel pump breaches may be:

  • 500+ fuel dispensers breached
  • Almost 6,000 consumers with fraudulent transactions
  • Over $10M in fraudulent transactions
is there a difference between pci vs tdes
Is there a difference between PCI vs. TDES

Other companies are saying all I need to do to meet PCI mandates is install a TDES keypad, is that true?

The only current requirement is TDES encryption at the fuel dispenser beginning on July 1, 2010. That only encrypts PINs and does nothing to protect your customers card data and your business from data thieves.

one option i will just stop taking debit at the pump
One option: I will just stop taking Debit at the pump

Can’t I just stop accepting PIN Debit at the pump?

Yes, but turning off debit has two key risks:

  • Most Card Association Merchant Services Agreements require merchants to accept debit along with all other forms of card payments.
  • Debit usage by consumers is high at fuel stations and the trends are that debit usage will continue to grow. You will likely lose customers in addition to lost sales.
its too expensive how can i pay for secure pumppay

OPTION

OPTION

OPTION

1

2

4

Its too expensive. How can I pay for Secure PumpPAY?

FINANCE

No. Pumps 2 4 6 8

Monthly Finance $220 $440 $660 $880

Price

LEASE

No. Pumps 2 4 6 8

Monthly Lease $210 $420 $630 $840

Price

RENT

No. Pumps 2 4 6 8

Monthly Rental $1,500 $3,000 $4,500 $6,000

Down payment

Monthly Rental $168 $336 $504 $672

what about new standards
What about new Standards?

What about new standards that may be coming out? What else do I need to do to protect my business?

Secure PumpPAY was designed for the European market; it already includes the advanced security features that are being added to the next set of PCI requirements.

will i also need software upgrades
Will I also need software upgrades

Will I have to upgrade my other software to work with Secure PumpPAY?

Probably not, most customer locations are already on a POS application software release that is compatible with Secure PumpPAY

creating display content
Creating Display Content

How can I take advantage of the new display? Will I need to hire a marketing company to create ads and promotions for me?

No, Secure PumpPAY includes a tool to load graphical content to the display that anyone can use. It is windows-based and features drop and drag functionality.

creating display content1
Creating Display Content

Do some graphics come with the unit?

Yes, your Secure PumpPAY unit will come with a graphics library that includes instructional messaging and some promotional messages

what do i get when i buy secure pumppay
What do I get when I buy Secure PumpPAY
  • Secure PumpPAY consists of TWO components
    • Payment terminal and accessories
      • OP4100 Payment terminal
      • VeriFone Interface Board (VIB)
      • Power Supply
      • Thermal Printer
      • Cable assembly kit
    • Dispenser door assembly kit
      • Door frame
      • Hinges, locks, mounting brackets
      • Dispenser-specific connectorized cable harness
  • Help Desk included for the first year
  • On-Site Maintenance service provides extended warranty coverage
dispenser models supported
Dispenser Models Supported

Secure PumpPAY options are currently available for:

  • Gilbarco Advantage series
  • Dresser-Wayne Vista series
  • Tokheim Premier
    • B- series
    • C- series
    • MMD series
  • Bennett Pacific series

Additional options are planned for 2009 including:

  • Gilbarco Encore series
  • Dresser-Wayne Ovation series
  • Others [based on customer need]
    • Schlumberger 4000 and Centurion
the installation process
The Installation Process

Most work will be done at the Installers service location

Pre-installation or staging activities include:

  • Loading the OpenPAY application
  • Loading of the Debit keys
  • Loading of any graphic content you would like and have provided
  • Assembly of the Payment terminal and printer into the door frame assembly

During the day the equipment is being installed

  • The installer will only turn down half of the dispensers at a time
    • You will still be pumping fuel from the remaining dispensers
  • The old equipment is removed
  • Pre-assembled devices will be installed
  • The new door frame assembly will be installed
  • Technician tests the POS to new equipment connection
  • New equipment is activated and now processing payments

*The above process is repeated for the other half of the dispensers

tokheim premier b fuel dispenser after installation
Tokheim Premier B Fuel Dispenser after Installation

Model 333B with MMD pictured

After

Before

installation complete
Installation Complete

Secure PumpPAY processing transactions

servicing secure pumppay
Servicing Secure PumpPAY
  • Secure PumpPAY includes an initial 1 year parts warranty and also includes a one year Help Desk support agreement
  • Extended warranties up to five years can be added to include On-Site Maintenance
  • Servicing of the Secure PumpPAY units will be done by the same VASC technicians who currently provide service to your location
removing old dcrs return maintenance savings
Removing old DCRs return Maintenance savings
  • Costly to maintain components are removed
    • All of the items below are removed when installing Secure PumpPAY eliminating the need to service or maintain these costly parts:
      • CRIND Logic, printer and display boards and power supplies
      • Debit Security modules (GSM’s, TED’s, DSM’s, etc)
      • Card Reader firmware
  • Improved graphics downloading
    • With Secure PumpPAY, you also improve the graphics download time 5 minutes with SPP vs. as much as 45 minutes in a typical VeriFone to CRIND scenario.
    • Results in less time your dispensers are offline!
rebranding no problem
Rebranding? No Problem!
  • Servicers can request new encryptions keys for a nominal processing fee ($12 per key request)
  • The new encryption keys can be loaded in the field without having to remove the hardware
    • A significantly less costly proposition
  • Simplifies the process in changing card processing networks
secure pumppay the only secure payment solution
Secure PumpPAY: the only Secure payment solution

Questions?

For the latest information, check out http://www.securepumppay.com

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