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Card-not-present transactions are a major route for credit card fraud, because it is difficult for a merchant to verify that the actual cardholder is indeed authorizing a purchase. If a fraudulent CNP transaction is reported, the acquiring bank hosting the merchant account that received the money from the fraudulent transaction must make ...
A simple mobile web payment system can also include a credit card payment flow allowing a consumer to enter their card details to make purchases. This process is familiar but any entry of details on a mobile phone is known to reduce the success rate (conversion) of payments.
Remote deposit use has grown. A June 2009 survey by the Independent Community Bankers of America found that 62% of banks in the United States offered merchant remote deposit, and 78% had plans to adopt the technology by 2011. Client adoption of remote deposit capture was projected to reach 1 million by 2010, and over 5 million by 2012. [10]
The frequency reuse factor is the rate at which the same frequency can be used in the network. It is 1/K (or K according to some books) where K is the number of cells which cannot use the same frequencies for transmission. Common values for the frequency reuse factor are 1/3, 1/4, 1/7, 1/9 and 1/12 (or 3, 4, 7, 9 and 12, depending on notation ...