Chip Card Storm Brews

Jeremie Myhren - chief information officer for Road Ranger in Rockford, Ill.The following article, written by Jeremie Myhren appeared May 9, 2019 on Convenience Store Decisions  has been reproduced. Jeremie has been managing IT in the convenience retail industry since 2000. He is the chief information officer for Road Ranger in Rockford, Ill.
Read Jeremie’s original article here.

 

As the October 2020 EMV liability shift at the pump draws near, the cost of not taking action grows clear.

No other industry has as many unattended outdoor payment terminals as we do in the convenience store and petroleum industry in the U.S. There isn’t even a close second.

This becomes increasingly relevant to the data security conversation as the payments technology and security landscape continues to evolve. Outdoor payment terminals are steadily increasing in value as a tool used by the criminal underworld.

The October 2015 inside Europay, Mastercard and Visa (EMV) liability shift in the U.S. moved a material percentage of retail payment card transactions from traditional magnetic stripe swipe to inserted, chip-card read. While attackers moved to exploit chip where they could, through techniques like swipe fallback, the retail shift to chip added cost, complexity and reduced feasibility for the criminal hacking groups and gangs who perpetrate most of the large-scale payment-card breaches.

That’s not to imply that inside EMV solves the payment card data security problem. In most cases, payment terminals are just as susceptible to a costly compromise as before EMV. Typical breach methods like memory scraping point-of-sale (POS) malware remain a threat, and the data captured in such an attack remains valuable, even from a chipped card. Really, the biggest shift in the EMVmove to inside chip is that your outlet becomes less attractive for criminal syndicates to perpetrate the final step of the payment-card data-breach fraud — actually spending the money or using the compromised account to buy goods or services to then sell or trade for cash.

That said, today, few of us have fully-operational EMV-capable payment-card terminals at the pump. Many of us have some sites and lanes with chip-capable hardware, but few retailers and payment networks are conducting an actual chip-card read at the fuel island.

The EMV liability shift at the fuel island currently stands at October 2020 and is unlikely to be extended further. Until the liability shift actually takes effect, so long as we follow current acceptance rules (things like not authorizing over allowed limits), we’re largely protected from stolen account numbers being used for purchases at our outdoor payment terminals.

This conceals the reality that our c-store sites are seeing higher incidences of stolen or breached payment cards being used for fuel purchases. Thieves are finding more obstacles at their traditional outlets, which have fully converted to chip-card acceptance, so the non-EMV-accepting fuel dispensers have increased in value to them. Because the issuing banks behind the stolen cards being used are bearing the cost of most of this fraud, we are often blind to it — even as it rises steadily.

This sets us up for a troublesome late 2020. Those who do not make the necessary investments in chip-accepting hardware at the fuel island, as well as those who have, but whose POS and payment processing partners have not, will find a shock in November 2020 as they bear the full burden of payment-card fraud at the fuel island for the first time.

What’s A Retailer To Do?

  • If you are branded, ask your fuel brand what your options are and what the current state of their technology programs are when it comes to EMV at the pump.
  • Talk to your POS software and hardware providers to determine dispenser EMV options and when they will be ready.
  • Talk to your dispenser partners about your specific dispensers and what your specific options are.
  • Talk to your payment-card processors about your specific technology mix and when they will be ready for your specific setup.
  • Talk to Visa, Mastercard, American Express and Discover. If you do not have an assigned representative from each payment brand, ask your payment-card processor to put you in touch.
  • Ask each payment brand to share the burden of Automated Fuel Dispenser (AFD) fraud at your sites for the past year. Normally, you do not see this data, as you didn’t bear the burden of it, but they have it and are generally able to provide it.
  • Use all of the above to apply pressure where needed to get various stakeholders to get you ready in time. Also use it to build your business case and ROI needed to fund the necessary investments to be prepared.

 

Do you have further questions about EMV capable and compatible equipment for your customer’s forecourt and in-store transactions?  Give us a call at 1.800.451.4021!

 

The John W. Kennedy Company appreciates your business and continued support!

 

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Vendor Spotlight – Gilbarco

Gilbarco Veeder-Root

John W Kennedy - Charles Street, Providence, RI

Edwin “Brud” Cheetham & John W. Kennedy
John W. Kennedy Company, Charles St., Providence, RI

Over 150 Years of Innovative Fueling Technology

Around the time the Kennedy Company opened our doors in 1930, we also became a Gilbarco distributor.  Gilbarco is and has been one of our anchor lines since we first partnered with them. Today, we are their oldest distributor in the nation! Gilbarco History

 

In the decades since, the John W. Kennedy Company has gone on to become one of the largest stocking Gilbarco and petroleum equipment distributors in the nation.  Not only do we have thousands of Gilbarco parts on hand with many decades of knowledge, we are home to what Gilbarco has called the premier Gilbarco training facility nationwide, training those who want to become authorized Gilbarco service technicians. We also provide road service to many of our Gilbarco customers located in the New England area.

 

 

And while the Kennedy Company has had its share of firsts with them, Gilbarco has also had their share of firsts since they opened shop with some of the highlights being:

  • the first to introduce a measuring gasoline pump in 1911
  • the first electric meter pump in 1930
  • the first to introduce the multi-product dispenser in the mid 1970’s.

Gilbarco continues to be innovators in fuel technology, offering the best solutions:

(click on the images and/or product categories below to view more product details on our web store)Gilbarco Passport

Fuel Dispensing – Pumps and dispensers for standard unleaded Gilbarco Fuel Dispensersgrades to multi-flex fuel blending options, diesel, DEF and high flow units.  There are also plenty of options available to make your dispensers more secure and to help your in-store marketing efforts.


C-store Point of Sale Systems
–  As the technology leader in the retail fueling business, Gilbarco’s range of POS Gilbarco Passport Point of Sale Systemsterminals offer intuitive and user-friendly technology. With over 30,000 systems across the United States, Gilbarco’s state-of-the-art convenience store Passport® POS systems support the most third party loyalty systems, backed by powerful fuel discounting and merchandising systems.

 

Forecourt Payment Options – Gilbarco’s FlexPay™ Flexible Payment Systems protect your customers and your business. They make your EMV upgrade easy, with a range of options that protect your investment like Forecourt Payment Dispenser Optionsno one else with a range of payment system options to help you offer a seamless, hassle-free transaction experience.
Your forecourt payment hardware must have certifications that confirm their capability to accept and process EMV transactions in order to meet regulations. Software must also be certified to accept and process EMV transactions. Your store’s entire payment ecosystem must be certified to work together before accepting transactions in the field.
Let us help you meet the requirements and take your business to the next level at the same time. See why it pays to work with Gilbarco, the payment security experts.  Be sure to check out Gilbarco’s Fundamentals of C-Store & Gas Station EMV page if you want to learn more about EMV and what you should be doing to prepare. Gilbarco Encore 700 S Flex Fuel

 

Forecourt Merchandising Options – While fuel drives profits, it’s getting the customers in your store to really drive those high-octanGilbarco Forecourt Merchandising Optionse sales.  Gilbarco Forecourt Merchandising creates the shortest distance from getting the customer from your forecourt into your c-store!  Gilbarco has partnered with GSTV, a leading digital content provider, to deliver a wide array of dynamic audio/video content via Gilbarco’s Applause™ TV.  Rounding out the forecourt merchandising options are Applause™ Media System and Play at the Pump to offer real-time on demand coupons and lottery ticket sales at the pump.

 

Insite360 Encore & Passport Solutions – Gilbarco offers Insite360 cloud-based solutions for Encore dispensers and the Passport POS Gilbarco Insite360system.  With an easy to use dashboard, you can effectively manage your business while increasing profits.
Insite360 Encore allows you to resolve up to 30% of the most common issues in minutes remotely! You can also monitor performance, manage assets and along with enhanced security measures, receive alerts when unauthorized entry is attempted with the ability to automate a dispenser shutdown.
Insite360 Passport allows you to monitor, configure and control your Passport from the cloud!  Access reports with the ability to upload and download.  If you have multiple sites you can configure groups with common characteristics all at once, saving you tons of time.  Adjust fuel pricing, update receipt text and more with a few clicks of the mouse. Insite360 Passport works with version 10 and higher and is compatible with all PC’s, tablets and phones.

 

*Please contact our sales staff at 1.800.238.1225 to receive a quote or learn more about Gilbarco’s complete line of fuel dispensers, POS systems, options and services!  We can also help you with financing through our partnership with Patriot Capital as well.

If you have any questions about Gilbarco replacement parts, can’t find what  you are looking for online or the part(s) are in a “Call To Order” status and you wish to place an order, please call us at 1.800.238.1225 and ask for Keith Hardy.

*NOTE: Per our Gilbarco distributor agreement, we are not authorized to sell equipment or kit sides beyond our PMA (Primary Marketing Area).  We can sell replacement boards and parts nationwide.

 

The John W. Kennedy Company appreciates your business and continued support!

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How Can You Improve Your Gas Station Service?

How Can You Improve Your Gas Station ServiceHow can you ensure that your customers keep coming back to you?

If you are an ambitious gas station owner, retaining your customers will be one of your topmost priorities. Customers will prefer using your gas station’s services if you run your business in a professional way. If they find your service to be honest, friendly, and efficient, they will definitely keep returning to your station. Continue reading

FFS PRO Tech Update: Nucleus-to-Passport Conversion and Fuel Management Certification

FFS Pro Tech Update

TS-EMS

 

 

 

Franklin Fueling’s FFS Pro service has published a tech update explaining the procedure of converting Wayne Nucleus systems to Gilbarco Passport systems.  Click here for a detailed description of the required part, documentation, and procedure.

 

 

 

FFS Pro Fuel Management Software

 

 

 

FFS Pro also gives you the opportunity to become certified on fuel management systems programming, including preparation, direct connection, network interface, setup, maintenance, and troubleshooting.  Click here to get certified today!

 

 

 

 

 

The John W. Kennedy Company appreciates your business and continued support!

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Passport PX52 (PX51) Hardware: Support ending for upcoming release in March 2018

Gilbarco Veeder-Root

End-Of-Life Announcement:
Passport PX52 (PX51) Hardware

Gilbarco Veeder-Root is committed to maintaining service and support for all their solutions for the full extent of their hardware lifecycles. This support continues until they can no longer provide spare parts, or when significant technological advances dictate otherwise.PX52 End Of Support

The Passport PX52 (PX51) hardware set was released in 2005 and has served thousands of  Gilbarco Veeder-Root customers with fourteen major Passport releases and millions of hours of store operation. The PX60 Passport All-In-One hardware was introduced as the next evolution in April 2014 and sold across all petroleum/convenience networks and markets over the past three years.

Support for the PX52 (PX51) hardware set will be discontinued starting with Version 11.02 (Release 4) and all subsequent releases. This release is currently scheduled for production release starting March 2018.

PX52 End Of Life AnnouncementTo further help with key dates that pertain to the PX52 (PX51) hardware End-Of-Life support, please view the End-Of-Life Announcement: Passport PX52 (PX51) Hardware Gilbarco Veeder-Root has published.  The announcement includes a chart of milestones along with links to embed the key dates into your calendar as reminders.

PX60-Tradeup discounts are still available if you wish to upgrade from your existing PX52. Call us at 1.800.451.4021 to upgrade your system today!

 
The John W. Kennedy Company appreciates your business and continued support!

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Passport Product Alert: Okidata Laser Printer – Troubleshooting Tip

Okidata_logo

Paper-Jam-Office-Space

Are you experiencing excessive paper jams with the Okidata Laser Report Printer? If so, this may be caused by the use of recycled printer paper – Use of this type of paper will cause excessive jams that may damage the printer. Many recycled papers are not designed for laser printers and do not meet the minimum specifications for laser printer paper.

Recommendation:
If you are using recycled paper, the TRAY 1 MEDIA TYPE in the MEDIA MENU should be set to RECYCLE. Use only recycled paper specific for laser printers that does not exceed 50% post-consumer content.

Feel free to contact us at 1.800.451.4021 with any questions.


We appreciate your business and thank you for your continued support!

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EMV Deadline Leads POS Trends

This article has been reproduced from Convenience Store Decisions first appearing on April 2, 2015

EMVMobile payment technology and going paperless will impact point-of-sale (POS) and back office trends in 2015. But, the big focus this year for convenience stores is the Oct. 1, 2015 deadline to become compliant with EMV (Europay, MasterCard and Visa) chip technology.

U.S. retailers are expected to spend more than $8 billion on POS devices, ATMs and credit/debit cards to convert to the EMV standard, according to a study by Javelin Strategy and Research.

The cost to retailers is staggering, but convenience store stakeholders have expressed their commitment to maintaining security standards and are among the leading industries to adopt new POS technology.

Flash Foods Inc., which has 172 stores in Georgia and Florida, has used scanning, POS and back office technology since 1997.

“With scanning at our locations, we also utilize a business intelligence software that allows our marketing, operations, financial and loss prevention departments to get alerts and do reporting on all POS transactions and events,” said Jenny Bullard, chief information officer for Flash Foods.
Flash Foods launched its ‘Rewards in a Flash’ loyalty program in 2005, and in 2008 introduced an Automated Clearing House (ACH) payment card called ‘Go Blue.’

“That allows us to process payment outside of the credit card processors, eliminating credit card interchange fees. In 2014, we launched our Flash Foods Mobile App that enables mobile payment with Go Blue,” she said.

MOBILE OPTIONS
More convenience stores are offering mobile payment options through their own cards as well as outside mobile systems, like ApplePay. “Mobile is the future of payments,” said Stephen Orfei, general manager, PCI Security Standards Council. “It’s exciting to see its potential being realized securely with recent advancements in the space and use of technologies like tokenization.”

Orfei said EMV chip migration is a great opportunity for convenience stores to look at overall POS terminal security and technology.

“The PCI PIN Transaction Security standard provides robust security protections and a secure foundation for businesses to accept new payment technologies—such as mobile—and take advantage of additional security layers like point-to-point encryption and tokenization,” Orfei said.

Flash Foods is among the many convenience store companies already in the throes of EMV migration.

“To meet the October EMV deadline we are installing EMV capable pin pads in all our locations. There will need to be updates to our POS and our credit card processor software to make EMV work,” Bullard said. “As for the October 2017 deadline for fuel pumps, we are still in the planning stages to meet that deadline. Because of older pumps at some our locations that will have to be replaced, the cost for meeting that deadline is concerning.”

Security will continue to be a factor in all POS and back office decisions within the convenience store industry.

“With rules and regulations from PCI changing every year as we have seen with PCI 3.0 updates, software and segregation of the credit card environment will continue to challenge the software solutions companies as well as retailers that use their product,” Bullard said.

You can view the original article at http://www.cstoredecisions.com/2015/04/02/emv-deadline-leads-pos-trends/#_

Feel free to call us at 800.451.4021 if we can help you with EMV or any of your service station needs!

Thank you for your continued support!

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