liber8:payment ™
welcome to liber8:payment™
Our self-service kiosks free up staff time and improve the overall patron experience.
liber8:payment ™ further enhances these benefits by providing the convenience of coin,
bill (with change) and card payments right at the kiosk. This allows patrons to pay their
fines and fees with their preferred method of cash, credit/debit cards or digital wallet.
How will liber8:payment™ improve the patron experience?
With the ability to make payments at the self-service kiosk, your library patrons can take
full control and manage all financial matters related to their library membership. They
can borrow items that charge a fee at the time of borrowing (DVDs for example), pay
late fees or fines for lost items, release a block on their account, and complete multiple
actions in one simple self-service transaction. Owing money can be a sensitive subject
for some library members, but by allowing them to settle their accounts privately,
they are more likely to pay their fines and fees sooner, without the potential risk of
embarrassment.
How will liber8:payment™ help your staff?
By allowing your library members to handle their own financial matters privately and
discretely, your staff are no longer tied to the circulation desk and are free to assist
more patrons or focus on engaging programs. We provide a fully consolidated online
reporting function, allowing you to see every single payment that has been taken
through all devices. And, of course, all of our payment solutions are completely PCI
DSS and EMV compliant - leaving you to focus on more services for your community, not
worrying about the security of payment collection!
contactless - the future of payments
Contactless payment is an increasing trend, with millions of people now equipped
with contactless-enabled debit cards, credit cards and other contactless payment
devices. With the recent launch of Apple Pay and Google revamping their contactless
payment solution with Android Pay, contactless payments are rising at a phenomenal
rate.
Payment convenience at library kiosks
Paying fees in your library has never been easier! Provide your library patrons with the
highest level of convenience by accepting contactless payments right from your kiosks.
liber8:payment ™ processes Apple Pay ™, Google Wallet ™, Android Pay ™ and contactless
card transactions in a fraction of the time it takes to process conventional card and
cash transactions.
Complete payment with a simple tap
Instead of swiping a credit card in a card reader, sign, or having to enter a pin number,
kiosk users simply tap their digital-enabled card or smartphone onto the contactless
device.
Major benefits all around
Modernize your library and keep up with the latest in secure payment technologies by
accepting contactless payments. The reduced transaction time can result in shorter
queues, increased payment collection and better customer satisfaction.
our integrated solution
credit & debit cards
chip & pin
card payments from any bibliotheca kiosk
Choose the kiosk that fits your needs with the confidence of knowing secure credit and
debit card payments will be accepted. Stay current with the latest contactless payment
technology, making it even easier for small fees to be paid quickly and easily.
ATM style transactions
From our freestanding kiosks, we make cash transactions as efficient as possible with our
integrated ATM grade bill handling system. When library patrons pay fines with large bills, they
will receive $1, $5, and $10 bills as change, instead of a pocket full of coins.
contactless devices
coin & bill (with change)
types of payment accepted:
contactless payments
coin & bills
credit & debit cards
top-up schemes
SmartPay
BLUEcloud Commerce
change given as:
coins
bills
frequently asked questions
Can my library process library fines & fees without risk to the library or patron?
Payment card data is transferred across a normal LAN connection; with the authorization requests encrypted using the
most up-to-date version of TLS protocol. This current industry standard method, widely used for sending card payment
transactions over the public Internet, as well as private networks, is sufficient to meet the payment security requirements
for PCI DSS. It doesn’t matter whether the terminal is connected to a standard network connection to the public
Internet or to a secure private network, the TLS protocol still forms a secure channel through which transaction data can
flow. Bibliotheca’s solution partner holds the necessary TLS certificates to correctly establish TLS connections with such
terminals.
What does PCI DSS & EMV stand for?
Payment Card Industry Data Security Standard (PCI DSS) & Europay, MasterCard and Visa (EMV)
What is EMV?
EMV chip technology is becoming the global standard for credit card and debit card payments. Named after its original
developers (Europay, MasterCard® and Visa®), this smart chip technology features payment instruments (cards, mobile
phones, etc.) with embedded microprocessor chips that store and protect cardholder data. This standard has many
names worldwide and may also be referred to as: “chip and PIN” or “chip and signature.”
What makes EMV different than the traditional magnetic stripe card payment?
Simply put, EMV (also referred to as chip-and-PIN, chip-and-signature, chip-and-choice, or generally as chip technology)
is the most recent advancement in a global initiative to combat fraud and protect sensitive payment data in the cardpresent environment. A cardholder’s confidential data is more secure on a chip-enabled payment card than on a
magnetic stripe (magstripe) card, as the former supports dynamic authentication, while the latter does not (the data
is static). Consequently, data from a traditional magstripe card can be easily copied (skimmed) with a simple and
inexpensive card reading device – enabling criminals to reproduce counterfeit cards for use in both the retail and the
CNP environment. Chip (EMV) technology is effective in combating counterfeit fraud with its dynamic authentication
capabilities (dynamic values existing within the chip itself that, when verified by the point-of-sale device, ensure the
authenticity of the card).
What is EMV compliance?
EMV compliance is a joint effort initially conceived between Europay, MasterCard and Visa to ensure the security and
global interoperability of chip-based payment cards. AMEX and Discover are both members now of original EMV.
In an effort to lead by example, the President has signed the BuySecure Executive Order into law mandating that
Federal government bodies make the move to Chip enabled credit cards and terminals by January 2015, replacing
magnetic stripe based technology. The move is designed to enhance transaction security and provide a higher level
of data protection. Similar legislative action should be expected at the state level as this technology becomes more
commonplace; and its impact on combating security breaches in the US more clear.
EMV is a global standard for inter-operation of integrated circuit cards (IC cards or “chip cards”) and IC card
capable point of sale (POS) terminals and automated teller machines (ATMs), for authenticating credit and debit
card transactions.
How does EMV work?
EMV transaction processing uses newer Chip based technology to store cardholder account information in a more
secure way compared to that of the fraud prone magnetic stripe. The majority of implementations of EMV cards and
terminals abroad confirm the identity of the cardholder by requiring the entry of a personal identification number (PIN)
rather than signing a paper receipt as it is still done in the US. It is unclear if support for Chip and PIN will be implemented
immediately, or if support for PIN entry will come on the heels of Chip only transactions for unattended terminals, and
Chip and signature for attended terminals. Whether or not PIN authentication takes place also will depend upon the
capabilities of the terminal, the acquirer, and programming of the card. Chip cards and the overall infrastructure for EMV
also allows issuing banks to send updates to the card through the terminal to help monitor suspicious activity. This feature
does away with the previous costly method of sending out new cards every time an update is needed.
Why should my library be concerned with PCI DSS and EMV compliance?
As large retailers become EMV compliant, criminals will target the least secure transaction points. Your patrons will quickly
turn into the easiest targets, and the threat of breach will increase. A breach will equal financial penalties, a lawsuit and
ruin most Libraries with a destroyed reputation at best.
What is chip technology?
Chip technology is an evolution in our payment system that will help increase security, reduce fraud and enable the use
of future value-added applications. Chip cards are standard bankcards that are embedded with a micro computer chip.
Some may require a PIN instead of a signature to complete the transaction process.
How many Chip cards are currently used in the US?
The US is more than a decade behind many other countries in adopting Chip payment systems, which are standard in
much of Europe and other developed countries around the world. Only two percent of Americans currently have Chip
enabled cards according to the Smart Card Alliance; a percentage which is sure to grow quickly over the next year as
we approach the “Liability Shift” scheduled in October of 2015.
How secure is my library when accepting payments through the Bibliotheca solution?
Specializing in unattended payment equipment and policies, our solution complies with the strict PCI DSS and PCI PTS
(Payment Card Industry PIN Transaction Security) device & EMV standards. The Bibliotheca solution is future-proofed to
accept Chip, Chip & Pin, and contactless payments as they become available.
What if I am currently a Comprise™ smartpay customer?
Bibliotheca self-service kiosks are compatible with Comprise ™ technologies payment solutions. For more
information on your exact situation, EMV compliance and the transition from your current situation to the new
regulations, please contact Comprise by calling 800-854-6822 to discuss further details.
G-LBBR1060US/009
www.bibliotheca.com