Shoreline Launches Instant Issue Platform to Meet Financial Institutions’ Needs

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Shoreline’s Cards in an Instant is the perfect complement to a bank or credit union’s current debit card production as they can now print new or replacement cards immediately, while relying on Shoreline for the bulk of large reissues.

Shoreline has just released a hosted instant issue solution perfect for any size bank or credit union – Shoreline’s Cards in an Instant.

With Cards in an Instant, payment card printers are installed on-site at the financial institution and managed locally by branch staff. Cards in an Instant’s secure cloud-based instant issuance platform eliminates the need for costly and time-consuming infrastructure changes.

The Cards in an Instant platform securely stores data which is encrypted and sent remotely from Shoreline back to the printer. Customized debit, ATM and credit cards are then printed on-site instantly at the bank or credit union!

Cards in an Instant works for any size financial institution from small banks and credit unions to large multi-branch institutions. The solution also supports emerging technology including EMV chip and PIN cards and mobile solutions.

Click here for a press release

Click here for an informational sheet

Shoreline Business Solutions, a Cardiff Holdings Company, has been offering card personalization solutions and assistance to the financial industry for more than 25 years. Specializing in ATM/debit/credit card production, personalization and fulfillment for community banks and credit unions, Shoreline is dedicated to providing a personal touch and superior customer service while remaining on the cutting edge of technology in the payment card industry. Combined with sister company, Source One Direct, Shoreline is one of the largest independent card personalization and fulfillment organizations in the United States with facilities in Rhode Island and Georgia. For more information, please visit http://www.shoreline-solutions.com/. Follow us on Twitter.

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New EMV News! Banking and Retail Unite & Payments Experts Meet at EMV Summit

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After more than two months of finger pointing, the banking and retail industries have taken first steps to come together to heal some of the wounds left by the Target data breach that affected the personal and financial information of more than 70 million Americans.

On February 13, 2014 participants such as the Financial Services Round Table and the Retail Industry Leaders Association formed a partnership to share information and look at technologies to protect consumers.  Read more here

EMV_cipOn another note, payment industry players as well as retailers gathered together to express commitment to EMV in the United States at the Smart Card Alliance and Payments Summit. Debit and credit card brands such as Visa, MasterCard, Discover, and American Express also offered their own unique solutions for the implementation of EMV in the US.

Stephanie Ericksen of Visa said they will hold fast to fraud liability shift dates starting in October 2015, but see implementation utilizing only PINs for debit and credit cards as “too complex” for the initial push for EMV in the United States.

Other industry professionals had differing opinions regarding chip with signature. Walmart’s Joh Drechny took a strong stand for the “elimination of signature as a cardholder verification method” stating it is not the most secure form of EMV. Troy Bernard, speaking on behalf of Discover, concurred that only PIN “takes fraud out of the system”.  He said Discover will incent the use of PIN and reward PIN to further the growth of chip and pin EMV implementation in the US.

Read more from the Smart Card Alliance Payments Summit here

Shoreline Business Solutions is a leader in card production, personalization and fulfillment services. For more than 25 years, Shoreline has been offering community banks and credit unions the most effective and innovative solutions for their payment card programs.

To learn more, 800.290.3705 shoreline-solutions.com

 

 

 

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Support for Your Returned ATM and Debit Cards

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Don’t let your “return to sender” debit cards pile up. Shoreline can help!

Shoreline Business Solutions introduces Return Mail Support –  the perfect secure system to deal with your “Return to Sender” Debit and ATM cards, so they do not come back to haunt you in the future!

Shoreline’s Return Mail is a safe and secure process for destroying returned debit and ATM cards. It offers a perfect solution for payment cards that do not make it to their intended cardholder (very often occurring upon the reissue of expired debit cards and when a cardholder has changed addresses).

Cards are returned directly to Shoreline reducing the risk of card fraud for a financial institution as well as complying with financial audits regarding the logging and the dual control destruction of returned debit cards.

According to Pat Angell, Shoreline’s Vice President of Operations, Shoreline’s desire to assist one customer with a secure process for return card destruction aided in the development of this model program. “We realized this program could solve a pesky issue for many of our other customers,” said Pat. “Auditors require a certain protocol for the destruction and logging of the returned cards. With our certification as a secure facility, we are able to systematically follow the secure  process as well as make the data readily available to our customers via our customer information portal. Return Mail support is a great new addition to our suite of card personalization and fulfillment services.”

The Return Mail Secure Process:

  • Each business day undeliverable mail for our Return Mail customers arrives at our secure loading dock.
  • Mail is accepted, counted and batched for input under dual control; then locked in our secured mail cage.
  • Within 24 hours of receipt, two employees remove the mail, scan the barcode and log in numbers … all without opening an envelope.
  • Return Mail is then displayed on our customer online portal and highlighted in green.
  • The sealed envelopes are shred under dual control in a secured shred area. Employees then verify totals and log the job out indicating it is complete.

Benefits of Return Mail:

  • Return mail appears on our secure customer information portal in real-time at receipt, making it easy to identify the cardholder, contact them and send out a new card to the correct address.
  • Simple set-up. Can be live in 24 hours.
  • Process has met with great acceptance by financial auditors due to internal fraud concerns and our MasterCard / Visa endorsed secure facility standards.

download a return mail informational sheet

return mail secure process step by step sheet

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Shoreline Business Solutions is a leader in card production, personalization and fulfillment services. For more than 25 years, Shoreline has been offering community banks and credit unions the most effective and innovative solutions for their payment card programs.

To learn more,
800.290.3705
shoreline-solutions.com

 

 

 

 

 

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Custom Debit and Credit Cards Help Banks and Credit Unions Stand Out in the Crowd

Today’s consumers want everything customized to reflect their life, who they are and what they care about. You’ll see it on Facebook, Twitter, Pandora and Pinterest.

mim_cip_updateAnd, as banking becomes more customer focused and more competitive, financial institutions are looking for  something different and special to set them apart from the crowd. Shoreline offers the perfect custom solution to reach today’s unique banking customer – custom debit, credit and atm cards. Cardholders can create their own unique debit card design or select from a variety of gallery image options.

Shoreline banking clients find custom photo payment cards an easy way to make a big impact with today’s consumer. With MakeItMine customized card production, every payment card can be as unique as each of your cardholders.

Cardholders create their own custom debit card with a photo loaded directly from their computer’s desktop or a flash drive. They can show off their personalities with a funky designed card or express who they love with a photo of their family or pet. They can make their personalized card as custom as they want it to be. Or, they can select a photo from our diverse gallery options.

Shoreline’s MakeItMine custom photo card program adheres to all Visa and MasterCard image guidelines.  The photo debit card production is an easy process for both the bank and the cardholder. It all starts at the bank or credit unions website. With a click of a mouse, the cardholder is taken to the design tool where they can customize their debit, atm or credit card … making it larger or smaller. They will see a preview image to show where bank logos, names and number will fall as well.  Try out the design tool by clicking here now!

Shoreline Business Solutions is a leader in card personalization and fulfillment services. For more than 25 years, Shoreline has been offering community banks and credit unions the most effective and innovative solutions for their payment card programs.

 

 

 

 

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Shoreline is Cooking Up New Debit Card Solutions for Jack Henry BEC in Orlando!

Learn how you can make the most of your debit card production and payment programs ….  visit with Shoreline at Booth 326 at 
Jack Henry Banking Educational Conference 2013 
Kissimmee, FL at the Gaylord Palms Resort
October 22 -24, 2013

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Shoreline Business Solutions is cooking up lots of new and exciting debit card and payment solutions for YOU!

VISIT with Shoreline at Booth 326
REGISTER to win 4 cash prepaid cards
LEARN about our latest card solutions

Selecta PIn … EMV … Instant Issue … Return Mail

As a Jack Henry preferred payment card vendor, Shoreline can offer your bank faster card turn-around time, lower card production costs and outstanding customer service!

Stop by our booth and register to win four prepaid cards, and find out how Shoreline can help your financial institituion make the most of your card program.

Shoreline Business Solutions is a leader in card personalization and fulfillment services. For more than 25 years, Shoreline has been offering community banks and credit unions the most effective and innovative solutions for their card programs.

To learn more about  Shoreline, please visit our website at www.shoreline-solutions.com

 

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Debit and Credit Card Brands Join Forces on Cyber Transactions and Online Security

cybersecurity_1There’s some major news brewing in the online transaction world. The big credit card and debit card brands (MasterCard, Visa and American Express) have just announced they are getting involved and uniting  to make online payments and transaction safer and more efficient.

This is an excellent step foward! With EMV chip and pin payment cards coming soon in 2015, the security of online transactions has been a cause for concern (after EMV implementation, many countries saw a rather large spike in online fraud).  Card production and  personalization of EMV cards has already begun for many banks and credit unions around the country. And, more and more will be moving to EMV for their debit and ATM cards as the 2015 migration date draws near.

Token Technology
All three major brands Visa, Master Card and Amex have united to work on digital payment technology for transactions called “tokens”. Click this link below to read about digital payment “tokens” for transactions.

Read the pFingerprint Scanningress release for even more information

Fingerprint Technology
And, MasterCard has recently joined an alliance looking at fingerprints for online transactions.

Click to read more about this interesting new technology

 

 

 

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Jack Henry Processing Offers Expedited EMV Solution

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Shoreline is ready to move forward with EMV migration for our bank and credit unions customers, but all of the players must be ready as well. This week brought some good new on that front as another Shoreline partner made strides towards EMV!  A few days ago, Jack Henry Banking announced a streamlined road to EMV for many Visa customers.

Jack Henry Launches Expedited EMV Solution press release

According to John Postle, general manager of  JHA Payment Processing Solutions(R) (PPS) division, “Everyone’s eyes are on EMV right now and it is only a matter of when for U.S. financial institutions that have yet to adopt the cards. We are very excited to introduce a plan for EMV deployment that will mean greater efficiency and ease for our clients.”

As the 2015 EMV liability shift for issuers and merchants gets closer, more and more processors are going to create faster pathways for clients to make the switch to EMV chip technology for their debit and credit card programs.

If you are ready to start the conversation about EMV implentation for your card programs, contact Shoreline at info@shorelinebf.com or call 800.290.3706. If you are a Jack Henry client, we can help you make the connection to see if you can benefit from this new quicker way to implement EMV.

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Visa and MasterCard Join Forces to Smooth the Path to EMV

emv_keyEMV payment card technology in the United States just got one step closer to becoming a reality yesterday!

Visa and MasterCard announced they are coming together to streamline the process to full EMV migration.

In October 2015, all financial institutions and merchants who have not switched to the safer, more secure chip & pin technology of EMV will shoulder the liability in cases of fraud.

To make this transition easier for all of the players involved,  Visa and MasterCard have decided to share certain proprietary processes. Now a debit single chip transaction can be routed over multiple, unaffiliated networks.

According to Chris Wilton, President, North America, MasterCard, “By providing every US debit network with an efficient, market ready answer, we are delivering a proven solution that not only preserves merchant routing choice, but also ensures seamless interoperability with all other EMV programs across the globe.”

Click here for official press release

Shoreline can help you learn more about the transition to EMV as well as begin the implementation process today! Email your shoreline representative at info@shorelinebf.com to find out more!

 

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EMV Gaining Momentum in USA … Shoreline Can Help

visaVisa has just released numbers on their push to move forward with EMV before the liability shift in 2015. Since 2011, Visa has issued more than 2.5 million EMV “smart cards” throughout the US.

The countdown has begun for American banks and credit unions across the country to make the move to EMV chip and pin technology for their payment cards. Visa and MasterCard have set forth a deadline of 2015 for all payment cards to have EMV technology or face a liability shift. This means banks or credit unions who do not issue the new cards will incur all fraud costs after 2015, if they are not EMV ready.

EMV is the mainstay across the world. The US is one of the last hold outs, still relying on the antiquated “mag stripe” technology introduced more than 40 years ago.  EMV cards have been seen to dramatically decrease card skimming and theft around the world. Each transaction is encoded and encrypted with unique information; not static as is the case with mag strip technology.

Advancing Transaction Technologies

Advancing Transaction Technologies

To learn more about EMV and how you can begin implementation at your financial institution email your shoreline representative at info@shorelinebf.com

 

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Multimillion Dollar ATM Heist – An EMV Wake Up Call to American Banks and CUs?

atm1The recent unbelievably fast $45 million heist at ATMs around the country proves yet again that EMV smart chip technology can’t come soon enough to America. This may be the real heads up for any American bank or credit union that is dragging their feet on the conversion to EMV chip technology.

A world-wide gang of criminals hacked processors and stole millions in a few short hours. Sources at the United States Federal Prosecutor’s Office in New York say thousands of thefts were made with fake magnetic stripe cards that were loaded with information from Middle Eastern banks. Many are calling this the largest heist in history, and for sure the biggest fraud case involving bank ATMs.

chip-pinThe gangs hacked into bank databases and eliminated withdrawal limits on debit cards. They placed data onto plastic magnetic stripe cards such as old hotel keys and expired creidt cards. This type of hacking could never occur with the much safer and secure EMV chip and pin technology that is the mainstay around the world. Visa and MasterCard have issued a 2015 deadline for banks and credit unions to make the switch to EMV chip and pin technology or face a liability shift.

To learn more click here for an article from the Washington Post

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