An Open Letter To My Alternate Password — Discover

Katie Hoffman expresses her love for her second password: “You’re the special one, with your nonsensical combination of symbols, numbers, and upper- and lowercase letters. Do you know how many times I’ve clicked, ‘Forgot my password,’ and entered my mother’s middle name and the city I was born for you?”

via An Open Letter To My Alternate Password — Discover


7 Qualities That Make You An Entrepreneur

Mike TemplemanIf you fancy yourself an entrepreneur, tell me if this sounds familiar. You used to lie in bed at night, wondering why you seemed so different from everyone else in your life. Your friends and family all like to do odd things like sleep, eat, and play. Meanwhile you enjoyed working and designing new products, setting up lemonade stands, and taking things apart to figure out how you could make a better one. People would look at you funny when you would show them your new fashion line, invention, or offer them a sip of your freshly bottled organic beet juice.

Then it struck you like a bolt of lightning. You realized that you might not be a weirdo at all – you might just be an entrepreneur.

While it is not always easy to tell if you are an entrepreneur, here are a few signs that you just might be one.

You are a masochist

Entrepreneurs enjoy a little pain and risk. Three out of four startups fail, but those bleak outlook numbers never faze the true entrepreneur. In your eyes, failure is just another opportunity to launch your other million-dollar idea. In fact, a 75 percent failure rate means you only have to fail at three businesses before you start a successful one.

Entrepreneurship also involves long hours away from friends and family. While everyone else is slacking off, dabbling in sleep, food, companionship and fun, you will be trying to figure out how to manage a 168-hour workweek.

 Your love for earning money started when you were a kid

You might be an entrepreneur if you earned more at your lemonade stand over summer break than your parents made all year.

Most entrepreneurs fall in love with making money at a young age. In addition to his paper route for the Washington Post, a young Warren Buffett hawked gum, lost golf balls, stamps and magazines before he even graduated high school. Richard Branson dropped out of school at age 16 to start a youth magazine, which sold $8,000 worth of advertising in its first 1966 edition.

You thirst for the thrill of launching a new venture

While money is great, entrepreneurship is not necessarily about making money. In fact, many highly successful entrepreneurs stop caring so much about the money and start enjoying the adventure and freedom of creating a new business.

Read More:

ePaisa spins off its digital wallets business into MasterWallets

Mobile point-of-sale solutions company ePaisa is spinning off its digital wallets business into a new mobile application, MasterWallets, a top executive of the company said.

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The new app, launched a month ago, is aimed primarily at shopkeepers who only want a way of collecting payments through digital wallets.

“ePaisa will continue to be full fledged point-of-sale software offering billing and inventory management,” Siddharth Arora, CEO of ePaisa, told ET.

Read also: Akash OP Aurora Founder of ePaisa

“MasterWallets is for the merchants who want a no-frills app – there is no physical KYC process (only eKYC) and there is zero cost involved for the merchant.”

Payment Gateway

Image Credit: indiatimes

Payments would be made into the merchant’s verified bank account, he said. Over the last few months, ePaisa had tied up with various digital wallet companies to enable customers make offline payments. MasterWallets is currently integrated with nine wallets, including Freecharge, Mobikwik, Ola Money, and bank wallets like Pockets, Jana Cash and PayZapp.

According to Arora, over the next few weeks, the wallet would be integrated with other payment methods like bitcoins and the unified payments interface (UPI).

Transacting using MasterWallets doesn’t require the merchant or the customer to be online, and this is likely to help more small shopkeepers adopt it. According to Arora, the company is currently targeting auto rickshaw drivers and small shops with an average ticket size of Rs 500 in the past month. “We’ve had 1,000 downloads in the past month but expect this to go up to 50,000 over the next six months,” he said.


What Merchants Can Do to Fight Credit Card Fraud

The latest figures from the Ponemon Institute and IBM 2015 Cost of Data Breach Study show an ongoing increase in the cost of a data breach.

For companies that participated in the study, the number rose to $3.79 million. And that’s just the tangible cost.

Even more revenue is lost as consumers lose faith in affected companies and look elsewhere to do business and investors move on to other stocks.

You Have to Protect Cardholder Data

Everyone knows data breaches are a real possibility and that they can devastate a business, so why are they still happening with such regularity?

Solutions that provide increased protection for cardholder data, while maintaining the highest levels of performance — up to millions of transactions per day — were defined and developed after the highly publicized breaches in 2009.

The Payment Card Industry (PCI) released solution requirements for point-to-point encryption (P2PE) to assist merchants in protecting cardholder data and reducing the scope of their environment for PCI DSS assessments. However, these approaches still seem to be a concept rather than common practice.

But if merchants heed PCI requirements, they can reduce the risk of sensitive payment data breaches.

Encrypting sensitive data at the point the card is swiped — or dipped, in the case of EMV cards, which are equipped with computer chips) in the payment device and only decrypting it at the processor is the answer.

Direct attacks on devices in the payment acceptance process have become increasingly common and highly sophisticated, but strongly encrypted cardholder data is useless to cyber criminals. To understand the approaches, and the benefits, of implementing sensitive data protection, let’s focus on two key areas: traditional payment acceptance terminals and mobile.

Securing Payments at the Point of Interaction

Security is critical, but so is speed. Merchants need a solution that won’t slow performance to a crawl.

Electronic POS solution providers need to maximize security for payment card transactions without slowing performance. Their solutions need to encrypt cardholder data from the precise moment of acceptance on through to the point of processing, where transactions can be decrypted and sent to the payment networks.

When you deploy P2PE, you encrypt the data along its entire journey — from the point where the card is swiped to the point of decryption at the processor.

However, not all encryption is the same.

There is a difference between encrypting the data at the point of swipe device and encrypting the data in the POS system, more specifically the retail terminal. POI devices go through a PCI certification process, thereby providing high-assurance cryptography and key management functionality.

Retail terminals, on the other hand, are typically PC/tablet-based devices that only offer software-based encryption and do not have the security controls of PCI-certified devices.

PCI-P2PE guidelines require data decryption take place at the point of processing using a hardware security module (HSM) — a physical computing device that safeguards and manages digital keys for strong authentication.

HSMs perform secure key exchanges and, in most applications, key management that produces a unique key to protect each and every payment transaction.

Taking advantage of these security capabilities, solution providers can build high capacity and redundant systems.

Securing Payments On the Go

Anytime, anywhere, payment acceptance is one result of the mobile revolution and a real boon for smaller merchants.

However, with the increasing availability of mobile payment acceptance options, small merchants and mobile businesses need to take a moment to consider the security of their customers’ payment data.

Most people are familiar with sliding their card through a card-reading dongle connected to a mobile phone or tablet at a craft fair, food truck or farmer’s market. With mobile point-of-sale or mPOS, small or mobile merchants use these low-cost card readers to accept payments from both EMV and magnetic stripe payment cards. As with traditional POS, it is critical that the card reader encrypt the sensitive payment data it receives.

It can be difficult for payment services providers to secure mPOS solutions.

Several providers overcame this challenge by using P2PE to protect the sensitive payment data from their mobile acceptance offerings. They integrated HSMs with their processing application as a critical component to manage keys and secure customer data following PCI P2PE solution requirements.

This enables them to defend against external data extraction threats and to protect against compromise by a malicious insider.

Securing Mobile Wallets

Host Card Emulation (HCE) is the most flexible method on the market for enabling the use of mobile devices for making payments. Because the security of the payment data and transaction are not dependent on hardware embedded in the phone, it has much broader applicability; any smartphone could use the HCE approach by loading payment credentials on the device and using it in place of a physical card.

To communicate with a contactless payment terminal, HCE-based applications leverage the NFC (near field communications) controller already in mobile devices.

However, since the application cannot rely on secure hardware embedded in the phone for protection of the payment credentials, alternative approaches for protecting sensitive data and transaction security have to be used.

These approaches include tokenizing payment credential numbers as well as actively managing and rotating keys used for transaction authorization. This enables issuers to manage the risk introduced by having a less secure mobile device environment for payment credential data.

Tokenization and key management use HSMs in the issuer environment to not only create the rotating keys but also to send them securely to the mobile device. In addition, the HSMs are also a critical part of the tokenization and transaction authorization process.

The HCE infrastructure does not actually introduce any new security processes or procedures for retailers and processors. It just enables issuers to combine their existing strong security practices — comprising key generation/distribution, data encryption and message authentication — into a cohesive offering to enable payments with mobile devices.

A Holistic Fraud Prevention Approach

Fraud is far too lucrative for cyber criminals to walk away from.

On the contrary, the promise of huge financial reward spurs fraudsters to create increasingly sophisticated attack vectors, including attacks on payment devices themselves.

But the reality is that retailers and their acquirers can reduce their risk and fear if the sensitive cardholder data in their possession is worthless to hackers. This is why P2PE is so critical in the fight to reduce the potential of fraud.

PCI has created requirements to help merchants safeguard sensitive payment card data – but the requirements have to be followed in order to be effective. Whether retailers are accepting payments from a terminal, dongle or mobile wallet, best practices include using P2PE and relying on HSMs in the processing environment.

HSMs will help manage risk in payment acceptance and HCE payment credentials by protecting keys and enabling a secure and compliant trust environment. This creates a complete payment data safety strategy that will position merchants in good stead going forward.



Akash OP Aurora, Co-founder at ePaisa™ – Red Herring 2014

ePaisa ™, India’s first multilingual mobile based point of sale (POS) application has been short-listed as a finalist for the Red Herring Global Top 100 Awards. Inventive, technology-driven companies from around the globe are given the much-coveted award. The US-based magazine Red Herring handpicks the potential awardees through their stringent editorial process. Previous awardees include giants of the digital domain like Google, Yahoo!, Skype and YouTube.

mobile point of sale ePaisa


Speaking about making it to the Top 100 finalists, Siddharth Arora, CEO & Co-Founder, ePaisa ™ said: “We are extremely thrilled and thankful for being acknowledged globally by Red Herring for our vision to enable the Indian merchant. ePaisa™ is an ecosystem that allows merchants to accept payments, handle billing, loyalty and offer them a revenue model. It is a first anywhere in the world and we are proud that Red Herring has shown faith in our product.”

Akash OP Aurora, Co-founder at ePaisa ™ added: “Making it to the Top 100 finalists on a global platform is a big achievement. To think, that we are on the same platform as industry giants like Google, Skype, YouTube, Yahoo! were many years ago, is overwhelming! We feel we are on the right path and are confident of meeting the expectations of the industry. We are working tirelessly towards empowering merchants with a revolution called ePaisa™ so that they can finally focus on their businesses.”

The Red Herring Global Awards highlight the most exciting start-ups from over 1000 companies from more than 40 nations in Asia, Europe and the Americas. Hundreds of companies from each region are put under the scanner in a rigorous 3-step process. It is widely recognized as one of the industry’s most prestigious laurel, with hundreds of candidates from each continent competing for an enviable place in the Top 100.

“ePaisa ™ is performing exceptionally well in its field and strongly deserves to be singled out as one of the Red Herring global finalists,” said Mr. Alex Vieux, Red Herring Chairman.

ePaisa ™ is a young company but that hasn’t stopped it from creating ripples in the mobile payment industry. Since setting up operations in 2012, the company has made it to the Top 100 finalists at the Red Herring Asia 2014 awards in August this year. It was also awarded the ‘Disruptive Company of the year’ in 2013 by TechCrunch. Along the way, ePaisa™ also picked up a nomination for ‘Best mobile payments implementation award’ at Smart Awards.


Akash OP Aurora: Who’s he, what does he own?

Akash OP AuroraAkash OP Aurora is a Die Hard Entrepreneur, Visionary, Executor, Dreamer, Creator, Technology Child, budding Philanthropist.

At the age of 22, Akash dropped out of college to pursue his dream to be an entrepreneur and founded his first company Mercury Innotech (in jv with Innotech Corporation, Canada) – building search engines for large databases on CD-Rom’s.

In 1995, Akash started netlinkblue which was one of the first digital agencies in India. It grew to become a formidable player in the digital and interactive space.

In 1999 he advised the Government of Dubai on technology, which led to the formation of the Dubai Internet City (Silicon Valley of the Middle East). At this time, Akash moved netlinkblue’s global headquarters to Dubai.
netlinkblue acquired digital rights of the Indian Premier League (IPL) and set-up the most successful live sports experience in the world, which (in partnership with Microsoft) at its peak had over 200 million subscribers watching live video stream of IPL cricket game on the Internet.

In 2009, he founded TMT a Global resources investment company Headquartered out of Singapore.
Akash has attended OPM (Owners Presidents Management Program) and MNDP (Managing Negotiations & Decision Making Process) programs at Harvard Business School and his successes as an entrepreneur have been noted by the BBC (Peschardt’s Business people), Arabian Business and Entrepreneur Magazine.

Today, Akash leads IdeaTree as the Chief Visionary, Executor & Mentor where he mentors future entrepreneurs and dreaming new ways of building disruptive start-up’s with his unique management style and hand on approach besides running some of the start-up’s personally.


17 new jailbreak tweaks to check out today


Image Credit – PlaceIt

Another slow week in the jailbreak community, but an interesting one nonetheless. These past few days have seen the release of seventeen jailbreak tweaks, including some very solid ones, such as OneHandWizard. As always, we list all the new releases here so you don’t have to scroll through Cydia to find the latest tweaks.

Android Wear Utility: lets you control music on your iPhone with an Android Wear device (free)

AutoUnlock to App 8: no need for passcode if your device is connected to a known Wi-Fi network ($0.99)

Auxo Legacy Edition: the original app switcher ($0.99 or $1.99 – review)

CustomStatusBar: hide items from the Status Bar (free)

EventOnStart: initiate simple events at startup (free)

exKeyboard: allows you to use third-party keyboards on Lock screen and when typing passcodes (free)

HideCCMedia: hides the media controls in Control Center (free)

Lock Saver: disables certain features when you’re not using the device to save battery life ($0.99)

Multify: side by side multitasking ($5 – review)

NCMeters: adds simple metrics to Notification Center (free)

NoKeyPop: prevent keyboard keys from popping when typing (free)

OneHandWizard: a different take on Reachability ($3.99 – review)

Parental: lets you restrict access to apps, settings, and more for added security ($1.50)

Secret-Lock: locks the Lock screen for added security and privacy (free)

ShareMe: create and share PDF, CSV, or Text files from your iMessage conversations (free)

Transition: provides 25 original unlock transitions for your device ($1.99 – review)

WritingALetter 2: seemingly useless yet awesome tweak that brings Clippy to iOS (free)

Did you download any of these tweaks? If so, which ones?

Source: idownloadblog

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