Managing Organizational Change - Some Basic Principles
Managing transition is never easy. The loss of familiarity with the new processes, necessity and ability to learn new things and new ways of working is often very painful. The people and organizations accustomed to a certain way of work will take time to change.While change is essential for progress, what are the elements to focus in preparing for the change management initiat

10 Secrets For Getting Into A Top B-School
1. Get a sky-high score on the Graduate Management Admissions Test. The average student at the top 10 schools on Fortune's list scored 700 or higher on their GMATs. (Overall, GMAT scores range from 200 to 800; the median is 500.)2. Be yourself. Don't try to match some imaginary ideal. "Often, people have an image in their minds of what kind of person a given school wants," says

Customer Communication by Email
Among the smaller businesses that I work with, I often come across people who have little idea how to contact their customers by email and some are even aware that they need help to learn the skills properly: I love email - it is quick, low-cost, tangible, asynchronous and generates a record. I also hate email if it is spam, pointless or poorly presented.erification System, is a method to authenticate a credit card purchase based on the billing address. The billing address supplied should be the same address that is displayed on the credit card bill. The security protection of this method is obvious, as usually credit card fraud happens from another country overseas, where the person using the credit card has only the credit card number, and nothing else. The problem is, however, that this method can block legitimate purchases, as people often mistype their address, or in some cases, they change their address, and the credit card information is not fully updated or propagated. What's even worse is that the banks, in case of an AVS error, put a 72 hour hold on the amount of the transaction (so imagine the magnitude of this if a legitimate client had multiple AVS errors, which usually the case). Additionally, it seems that some transactions are not authenticated against the AVS at all. I remember one transaction that I saw that had "123 Go Away" as the address and yet it was authenticated.

On the other hand, CVV, or Credit Verification Value, is a method to authenticate a credit card purchase based on the 3-4 digit number that appears on the back (VISA, MasterCard, Discover) or on the front (AMEX) of the credit card. Usually only the person holding this credit card has access to this number (Credit Card companies have strict rules against saving the CVV in the merchant's database). The advantage of the CVV is that

edit card number, and nothing else. The problem is, however, that this method can block legitimate purchases, as people often mistype their address, or in some cases, they change their address, and the credit card information is not fully updated or propagated. What's even worse is that the banks, in case of an AVS error, put a 72 hour hold on the amount of the transaction (so imagine the magnitude of this if a legitimate client had multiple AVS errors, which usually the case). Additionally, it seems that some transactions are not authenticated against the AVS at all. I remember one transaction that I saw that had "123 Go Away" as the address and yet it was authenticated.

On the other hand, CVV, or Credit Verification Value, is a method to authenticate a credit card purchase based on the 3-4 digit number that appears on the back (VISA, MasterCard, Discover) or on the front (AMEX) of the credit card. Usually only the person holding this credit card has access to this number (Credit Card companies have strict rules against saving the CVV in the merchant's database). The advantage of the CVV is that

n (so imagine the magnitude of this if a legitimate client had multiple AVS errors, which usually the case). Additionally, it seems that some transactions are not authenticated against the AVS at all. I remember one transaction that I saw that had "123 Go Away" as the address and yet it was authenticated.

On the other hand, CVV, or Credit Verification Value, is a method to authenticate a credit card purchase based on the 3-4 digit number that appears on the back (VISA, MasterCard, Discover) or on the front (AMEX) of the credit card. Usually only the person holding this credit card has access to this number (Credit Card companies have strict rules against saving the CVV in the merchant's database). The advantage of the CVV is that

ethod to authenticate a credit card purchase based on the 3-4 digit number that appears on the back (VISA, MasterCard, Discover) or on the front (AMEX) of the credit card. Usually only the person holding this credit card has access to this number (Credit Card companies have strict rules against saving the CVV in the merchant's database). The advantage of the CVV is that it's a number, and it's written on the credit card itself, so it's very easy for the people to type it in, and the error margin is usually low. What's more exciting is that the CVV authentication nearly reduces fraud to 0, as it's very rare for the person committing the fraud to have the CVV (unless, of course, the credit card is stolen and not yet reported). The only disadvantage of the CVV is that some people don't even know where to find it; however, almost all purchase forms right now have a small picture illustrating where to find the CVV. Keep in mind that the policy of holding the money in case of a failed purchased also applies to transactions authenticated against the CVV, nevertheless, the magnitude of this is negligible compared to that of the AVS, as people tend to make much less mistakes when writing a 3-4 digit number than to writing a complete address.

So which way to go? CVV or AVS? The answer is clear, use CVV; it's simply less headache and more sales. Keep on asking for the address (do not verify for it, however), and always log the IP of the transaction; in case you have the billing address in the US and the IP of the transaction is originating somewhere overseas, then most likely it's a fraud.