“BCCs” can refer to two common things: Basal Cell Carcinomas, which are the most common form of skin cancer, or the Blind Carbon Copy email feature, used to send messages to multiple recipients while hiding their email addresses from each other. Basal cell carcinomas typically appear as slow-growing, non-healing sores, pearly bumps, or red patches on sun-exposed areas of the skin
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Blind carbon copy
If You BCC Someone on an Email, Can the Recipient Find Out … Your Helpful BCC Email Guide (Gmail, Outlook, Tips and More) Using Bcc (Blind Carbon Copy) for mass emails – YouTube How to CC (Carbon Copy) and BCC (Blind Carbon Copy) for … A blind carbon copy is a message copy sent to an additional recipient, without the primary recipient being made aware. This concept originally applied to paper correspondence and now also applies to email. “Bcc” can also stand for “blind courtesy copy” as a backronym of the original abbreviation.
Secure payment processing is a system that protects sensitive financial data during transactions using encryption, tokenization, and authentication to prevent fraud and unauthorized access, ensuring compliance with industry standards like PCI DSS and fostering trust between businesses and customers. This involves secure payment gateways that act as a bridge between merchants and financial institutions, facilitating safe and efficient money transfers. Key features include strong data protection, compliance with regulations, and advanced fraud prevention tools.
Key Components & Technologies
Secure Payment Gateways: These act as encrypted virtual point-of-sale terminals, securely connecting a merchant’s system to banks and payment processors to facilitate transactions.
Encryption:
Protocols like SSL and TLS encrypt data as it’s transmitted, making it unreadable to anyone who might intercept it.
Tokenization:
This replaces sensitive cardholder data with unique, irreversible tokens, significantly reducing the risk of data theft.
Authentication & Fraud Prevention:
Methods such as CVV/CVC checks, 3D Secure (e.g., Verified by Visa, Mastercard Identity Check), and biometric authentication verify a customer’s identity and prevent unauthorized access.
Industry Standards & Compliance
PCI DSS (Payment Card Industry Data Security Standard): A critical set of security standards that any business handling cardholder data must adhere to, ensuring a secure environment for processing, storing, and transmitting this information.
EMV (Europay, MasterCard, and Visa):
Chip technology used in in-person card payments that adds a layer of dynamic authentication and encryption to prevent fraud.
How It Works
Initiation: A customer initiates a payment, providing their sensitive card details. Transmission: A secure payment gateway encrypts this data and sends it to the payment processor.
Authentication & Verification: The gateway uses various methods to verify the customer’s identity and check for fraud.
Authorization: The transaction details are sent to the customer’s bank for approval.
Settlement: Once approved, funds are transferred from the customer’s bank to the merchant’s account.
By implementing these technologies and adhering to industry standards, businesses can build trust with their customers, protect against financial losses, and safeguard sensitive payment information from fraud
“Premium stock” has two main meanings in finance: it can refer to a stock trading above its fundamental value due to investor confidence and demand, or it can describe the extra amount paid when a company issues shares above their par value or when an asset is acquired at a price higher than its current market value.
The term also applies to the price paid for an option contract (the option premium) and is used in the names of specific product lines, such as Panini’s Premium Stock basketball cards credit collectors.
Here are the different contexts for the term “premium stock”:
Stock Trading at a Premium
Above Fundamental Value: A stock is considered to be trading at a premium when its market price is higher than its perceived intrinsic value. This often reflects strong investor confidence in the company’s future prospects and performance.
To Another Asset’s Value:
A closed-end fund, for example, may trade at a premium to its Net Asset Value (NAV), meaning the shares are priced higher than the underlying assets they represent.
Stock Issuance Premium
Issuing Shares Above Par Value: When a company issues new shares of stock, the price at which they are sold can be higher than the stock's par value (or face value). The difference between the par value and the issuing price is known as the stock premium. Other Uses of the Term “Premium”
Acquisition Premium:
This is the amount an acquiring company pays above the target company's current market value to purchase its stock. Option Premium:
This is the price paid by the buyer for the right to buy or sell a security at a certain price by a certain date, as described on SmartAsset.com.
Product Line:
“Premium Stock” is also a brand name for a specific line of Panini basketball trading cards, which are known for their chromium design and inserts.
Common stock represents fractional ownership in a company, granting shareholders voting rights to elect the board of directors and a claim to the company’s assets and earnings after creditors and preferred shareholders. While offering potential for higher returns and a voice in corporate decisions, common stocks also carry higher risk due to price volatility and the possibility of receiving nothing in a company’s liquidation. Examples include shares of major companies like Apple, Amazon, and Tesla, and common stock is the default type of stock investors buy.
Key Characteristics
- Ownership Stake: Common stock represents ownership, or equity, in a corporation.Â
Voting Rights: Most common stockholders have voting rights, typically one vote per share, allowing them to elect the board of directors and influence corporate decisions. Claim on Assets & Earnings: Common stockholders are entitled to a portion of the company’s assets and earnings, but they are paid last in the event of liquidation.
Examples
- Major corporations, such as Apple, Amazon, and Tesla, issue common stock to attract investors.Â
It’s the standard type of stock, so if a stock doesn’t specify it’s preferred stock, it’s usually common stock.
Advantages
Common stocks can offer significant capital appreciation and growth potential.
Voting Rights: Shareholders have a say in the company’s leadership and future through their voting power.
Liquidity: Common stocks are generally liquid, meaning they can be easily bought and sold on the stock market.
Disadvantages
Stock prices can fluctuate significantly, posing a risk of substantial losses for investors.
In a company’s liquidation, common stockholders are paid only after creditors and preferred stockholders.
Market and Company-Specific Risk: Investors are exposed to risks related to the overall market, foreign exchange rates, and specific company issues.
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A “native payment system” can refer to either a payment gateway directly integrated into a website or application, or a cloud-native architecture for payment processing platforms. A integrated payment gateway keeps customers on your platform during checkout, offering a customized user experience and potentially higher conversion rates. A cloud-native payment system is built on cloud infrastructure using microservices to be flexible, scalable, and secure, enabling faster innovation and handling of fluctuating transaction volumes for financial institutions and large businesses.
Native Payment Gateway (Integrated Approach)
Seamless Experience:
Customers remain on the merchant's website or app to complete their transactions, rather than being redirected to a third-party site. Customization:
Allows for design customization to match the brand’s look and feel, enhancing user experience.
Higher Conversion:
By keeping users on the same page, the chances of them abandoning the purchase can decrease.
Examples:
Many platforms, like Squarespace, offer their own built-in payment solutions, while Stripe allows for deep integration into mobile and web apps.
Cloud-Native Payment System (Architecture Approach)
Scalability and Flexibility:
Built on cloud infrastructure, these systems can easily scale up or down to handle varying transaction volumes. Microservices Architecture:
Applications
are broken into smaller, independent components, allowing for faster development, deployment, and updates.
Innovation:
This architecture
enables businesses to innovate faster, bringing new payment services to market more quickly.
Security and Compliance:
Cloud-native solutions
incorporate advanced security measures and compliance protocols.
Examples:
Financial institutions and FinTechs are adopting
cloud-native technologies to provide instant, global payments and to build unified payment solutions across different rails, according to PYMNTS.com, and platforms like ACI Worldwide and Volante Technologies build cloud-native payment hubs for the industry.