Unit 2: Credit Card Processing Presentation Quiz: Security ...myweb.fsu.edu/lparker/handouts.pdfProcessing Handout 4/7/2011 1 Credit Card Processing Transactions & Batches Credit Card

Name: Dept:

Date:

Received Training Outline

- Quick Reference Guide

- “DO NOT VOID” Job Aid

- Departmental Refund with Instructions

- Video Notes

Unit 1: Credit Card Security Presentation

Unit 2: Credit Card Processing Presentation

Quiz: Security and Processing Post-Test

Turn Outline in to Trainer for Certificate

Initial

Initial

Your signature states that you have completed the module and have received no assistance from anyone in this process.

Date

Initial

Initial

Initial

Off-Line Entry

Auth Only

Mail/Phone Order

Prepaid Balance Inquiry

› Press

› Enter Acct Number +

› Exp. Date +

› Server Number +

› Base Amount +

› *Tip Amount +

› Total Correct? +

› Approval Code + Enter

Enter

Enter

Enter

Enter

Enter

Enter

› Press + 9 +

› Swipe Card

Or Acct Number +

› Exp. Date +

› Server Number +

› Base Amount +

› *Tip Amount +

› Total Correct? + Enter

Enter

Enter

Enter

Enter

Enter

Enter

› Press


› Exp. Date +

› Server Number +

› V-Code★: 1 = Not Present2 = Present 3 = Illegible4 = Absent

Press 2 to enter the CVV2 value,or the option that applies ifno CVV2.

› Enter CVV2 Value FromCard +

› P.O./ID# (invoice #) +

› Base Amount +

› *Tip Amount +

› Street Address +

› Zip Code + Enter

Enter

Enter

Enter

Enter

Enter

Enter

Enter

Enter

NOTE:

› Press

› Swipe Card

› Server Number +

› Sale Amount +

› *Tip Amount +

› Cash Amount +

Total Correct?

› To Accept Press

› To Adjust Press

› Enter PIN + Enter

Clear

Enter

Enter

Enter

Enter

Enter

› Swipe Card

› Or Enter Acct Number +

› Exp. Date +

Card Present?

› If Yes,

› If No, and Follow

Mail/Phone Order

› Server Number +

On Manually Entered Sale Only:› V-Code★: 1 = Not Present

2 = Present 3 = Illegible4 = Absent

Press 2 to enter the CVV2 value,or the option that applies ifno CVV2.

› Enter CVV2 Value FromCard +

› Base Amount +

› *Tip Amount +

› Total Correct? + Enter

Enter

Enter

Enter

Clear

Enter

Enter

Enter

› Press

› Choose Debit, Credit or EBT

› Swipe Card Or


› Exp. Date +

› Server Number +

› Refund Amount + Enter

Enter

Enter

Enter

Sale Debit RefundDebit Refund

RESTAURANT

Off-Line

MO/TO

Optional Prompts may be marked with an asterisk. Optional prompts may include: Last 4 digits if fraud control is ON, numericaddress and zip code and imprint card on manual entries and mail/phone orders, password, table ID, tip amount, and invoicenumber if those options are activated.

★CVV2 (also CVC2 and CID) codes are often requested for manually entered transactions. These codes normally appear on theback of the card as the last 3 digits on the right of the signature panel, directly below the mag stripe

Corporate, Business, and Purchasing Cards: may prompt for additional information after authorization is received, including taxamount (select option for exempt if not applicable) and customer code (enter a 1-17 digit code supplied by the customer or entera 9 if code is unknown).

Quick Reference Guide

Hypercom Optimum T4100

› Press or

› Select Prepaid Bankcard

› If Prompted, Choose Balance

› Swipe Card

Bal Inq

Func

From the HOME screen, press the button next to “Financial” to run the credit/debit application.

Gift/Loyalty

Enter

Reprint

› Press

› *Password +

Sales Correct?

› Press to Accept

› Or to Reject

Refunds Correct?

› Press to Accept

› Or to Reject

Enter

Void› Press

› Choose Last or Invoice

› If Invoice, Invoice Number +

Correct? Yes or No

› To Void Press

Enter

Enter

Void

NOTE:

Batch Review Settlement Adjust

Reports Totals Server Log-On/Off› Press + 5 +

To See Totals by Card Type:

› Press

Repeatedly Until TerminalReads “No More Totals”

To Exit Totals:

› Press

› Press + 77 +

› Server Number +

Sign On? Or Sign Off?

› Press for Yes

› Or for No

› Press to Exit

› Press

› Server Number +

› Invoice Number +

› To Adjust Press*

› Base Amount Correct?

› To Adjust Press then

Enter New Amount +

› Tip Amount Correct?

› To Adjust Press

› Enter New Tip Amount

+

› To Add Tip, Enter Tip

+ Press

› To Accept Press

› Press to Exit

Enter

Enter

Tip Adjust

Func

RESTAURANT

QRG-00-39-5051NSB Rev. 05-2006

Hypercom Optimum T4100

Settle

Enter

Clear

Enter

Clear

Enter

Clear

Enter

Enter

Cancel

Enter

Enter

Enter

Clear

› Press

› Server Number +

To Scroll Through the Batch:

› Press for Previous

› Or for Next Trans.

› To End Review Press

Enter

Enter

Open/Close Tabs = Press + 20 + . Then select 1 = Open Tab or 2 = Close TabFunc Enter

› Press

› Select Report:

1 = Audit2 = Summary3 = Server* 4 = Tips5 = Tip Discounts6 = Reprint7 = Open Tabs8 = Performance9 = Configuration

*For Server Report, Select1 = Detail, 2 = Summary, or 3 = Unadjusted

› Host Number +

› Or Press White Button for All Hosts

Reports

Clear

Enter

Enter

Clear

Clear

Cancel

Enter

Cancel

Func Enter

› Press

1 = Last or 2 = invoiceLast: 1 = Customer Copy

2 = Merchant CopyInvoice:

› Invoice Number +1 = Customer Copy2 = Merchant Copy

Enter

Reprint

Cancel

Review

Enter

DO NOT VOID

PIN BASED DEBITS

What is a PIN Based Debit?

Transactions that are processed as debit cards. This

involves pressing the Debit Key first before swiping and then

asking the customer to enter their PIN on the key pad.

Does that include the FSU Card?

You can only process the FSU Card

as a PIN Based Debit unless paying

for balances online.

If I can’t void a PIN Based Debit, how can I give

customers a refund on their transaction?

You can file a Departmental Refund Form to Student

Financial Services. Forms are located on the Controller’s

Website under Forms/Student Financial Services/RS34.

What happens if I do void a PIN Based Debit?

First, the customer does not get a refund. Second, the bank

holds on to that money for 30 days and then deposits it

back into our account. Third, SFS has extra work to do

figuring out where to allocate that money.

Office of the University Controller Student Financial Services Florida State University 1500 University Center A

Tallahassee, FL 32306-2394 Ph: (850) 644-9452 Fax: (850) 644-5142

RS34, Revised 10/2009

Client Information (name and address):

FSUSN / Vendor ID #:

Please choose a method of refund: Credit Card* Card #: Exp. Date:

FSU Card Card #:

Check (default option, a check will be mailed to the address listed above.)

Refund Information: Seq # Department Number Account NumberFund Code Amount

001

002

003

004

005

Total Amount:

Refund Initiator: Phone Number:

Supervisor: Phone Number:

__________________________________________ ________________________ Supervisor Signature Date

Reason for Refund:

Choose One:

SFS Use Only: Reference Number

Departmental Refund Form

Department: *Credit Card payments more than 60 days old must be refunded by check instead of to the credit card.

Introduction Handout 4/7/2011

1

Credit Card Processing

Introduction


Introduction

Welcome!

FSU proudly accepts:

• Debit Cards• Credit Cards


Introduction

Payment Cards =

$$ Millions per year $$spent at FSU

Introduction Handout 4/7/2011

2


Introduction

Merchant Processing Responsibilities:

• Safety• Security


Introduction

Employee Responsibilities:

• Knowledge of policies• Knowledge of procedures


Introduction

Welcome to Credit Card Processing Training.

In an effort to stay competitive within the market place, FSU

proudly accepts debit and credit cards for payment.

Thank you for participating in this training.

Signature

Next Step: Pre-Test

Security Handout 4/7/2011

1


Security and Fraud Prevention


Objective: explain…

1. Security and Fraud Prevention Tips.

2. How to Process a Transaction.

3. How to Audit and Settle a Batch.

4. Who to Call for Questions and Problems.

Credit Card Security and Fraud Prevention

Access to Data

• Hackers – remote access• Thieves – local access

Secure your premises against unauthorized access!


2


Access to Data

• Limit public access• Distinguish visitors from employees

• “Need to know” basis


Access to DataDo not store:

• Full contents of any track from the magnetic stripe.• Card Verification Code (CVV2, CID, CAV2).• Personal Identification Number (PIN).

Magnetic Stripe


Access to Data• Primary Account Number (PAN)

Render unreadable

• Truncated PAN:

************1234

• OK to store: first six digits last four digits

Security features on a credit card


3


• Best Practices – Card Present Transaction– Check for signature – Verify signed receipt– If card not signed: ask to sign it valid photo ID with signature compare signatures

– If “See ID” written, same as above


• Best Practices – Key Entered Transaction

– Is terminal working?– Check expiration date– Manual imprint – Sign imprinted sales slip– Compare signatures


• Best Practices – Visa’s Six Fraud Warning Signs:

– Lots of merchandise

– Various sizes, styles, colors, prices– No customer questions – Distractions or rushed– Comes back to buy more

– Purchases close to opening or closing time

– Refuses free delivery


4


• Best Practices – Security Breaches

– Difficult to detect – Chance of breach is minimal and unlikely – Stay alert for breaches at work at home

If you suspect something, contact your supervisor!

Feedback

Reflection:

Do the reasons behind credit card security make sense to you?

Address questions with your trainer.

Processing Handout 4/7/2011

1


Transactions & Batches


Objectives: explain…

1. Credit Card Security and Fraud Prevention Tips.

2. How to Process a Transaction.

3. How to Audit and Settle a Batch.

4. Who to Call for Questions and Problems.

FSU Credit Card Policy

FSU Policies• Merchants accept:

Visa

MasterCard

American Express

Discover

FSU Card


2

How to Process a Transaction.

1. Swipe Card Here

2. Enter Amount on Key Pad

3. Press Enter

Processing as a credit card:


2. Swipe Card Here

1. Hit Debit Key

Processing a debit card using a PIN

4. Have Customer Enter PIN and hit Enter

3. Enter Sales

Amount


NEVER VOID A PIN BASED DEBIT

TRANSACTION!!!



3



Do not void pin-based debit transactions!

Departmental Refund Form RS-34• sent to Student Financial Services.

Voiding a PIN Base Debit: • will not give refund• skew batch totals


Processing a Mail/Phone Order:

Information necessary:1. Cardholder Name2. Billing Address and Zip Code3. Card Number4. Security Code5. Expiration Date6. Amount


Processing a Mail/Phone Order

Press Moto Key

Enter Information when prompted. Be sure not to

Bypass any fields. If information is not available, enter your departments

information such as zip code, etc.


4

How to Audit and Settle a Batch.

2. Select Audit and Print. Take all of the day’s receipts and compare it to the Audit Total.

Make sure it matches.

1. Select Reports

3. Settle Batch

End of Day Procedures

How to Audit and Settle a Batch.

End of Day Procedures

• Audit report to receipts mis-match? DON’T settle the batch! Investigate the reason

It is much easier to figure out any errors prior to settling than afterwards.

Who to Call for questions and problems

Who to Call With Concerns

Call Merchant Services at 1-800-228-5882• problem settling a batch • processing a transaction• order supplies• questions regarding your terminal


5

Who to Call for questions and problems

Who to Call With Concerns

Feedback

Reflection:

How comfortable do you feel with processing?

Address questions with your trainer.

Documents

Unit 2: Credit Card Processing Presentation Quiz: Security ...myweb.fsu.edu/lparker/handouts.pdfProcessing Handout 4/7/2011 1 Credit Card Processing Transactions & Batches Credit Card