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3 of 3 Premium Clicks used this month SUBSCRIBE Print + Online Subscriber Activation | Register x Forgot Password | Need an Account? e-edition | subscribe | newsletter | deals Home News Latest Stories Pot bill riles cannabis supporters Emergency services The Beanery customers remember the better times Sen. Merkley talks 'Big Idea' with McLoughlin students Psychiatric board to decide whether to release Butte Falls killer Crime, Courts and Emergency Services Emergency services Psychiatric board to decide whether to release Butte Falls killer Prosecutors say driver won't be charged in fatal Walmart accident Emergency Services, May 26 Arrest made in White City drive-by shooting Politics and Elections Case, Salmon leading in Central Point School Board race Lundberg, Mannenbach leading Eagle Point races Jackson County district election turnout under 17 percent Arthur I. 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Merkley talks 'Big Idea' with McLoughlin students Departing Ashland High principal Zundel looks to next challenge Jacksonville Elementary students on stage at Britt Case, Salmon leading in Central Point School Board race Lundberg, Mannenbach leading Eagle Point races Environment Mace Family Watchable Wildlife Area is a legacy project ODFW seeks big drawdown on Lost Creek Lake to protect chinook Crews will open hiking trails rarely explored off lower Rogue River OR-7, mate may be adding to their pack Rogue jet boat tour company eyes TouVelle for permanent home State News Federal lawsuit: Officials delay immigrants' work authorization Oregon coast parkland sale to golf course developer is unprecedented Historic Grants Pass Forest Service compound headed to auction In the Oregon Legislature: Impeachment, kicker rebate, gun control Bill would cancel 'kicker,' use money for budget reserves, education Nation - World Uh oh .... Apple Watch demand is weak Obituaries Lloyd Arthur Hoadley Marge Walter Darell "Sonny" Chamberlain Greeta Hoppes Elaine Ackley Witteveen Weather Photo Galleries Since You Asked Videos Web Cams Mail Tribune 100 Shareable Check out top import and export for every U.S. state Patriots fan sets up GoFundMe page to help pay for team's Deflategate fine Sports Latest Stories World Series of Poker starts with new events Altman keeps options open with Ducks James leads Cavs into Finals Brassard, Lundqvist lead Rangers, 7-3 Record scoring changes the college game Varsity 541 College Sports Altman keeps options open with Ducks Record scoring changes the college game Programs look to middle schools for next stars Ducks had to wait out announcement Beavers, Ducks head to the postseason Pro Sports World Series of Poker starts with new events James leads Cavs into Finals Brassard, Lundqvist lead Rangers, 7-3 Learning curve Stephens bumps Venus Williams from French Community Sports Adrenaline boys, 96G Red girls off to hot starts Business Latest Stories The Beanery customers remember the better times Cars We Remember: More from a MOPAR enthusiast Silvio Calabi: Hyundai Santa Fe still surprises Liability for fraud will fall to merchants who don't adopt new credit-card chip technology The Beanery coffeehouse in Ashland closes abruptly Real Estate News Single-family home sales take off Never enough: New Starbucks proposed on Barnett Road in Medford People In Business People in Business Transportation Allegiant Air resumes flights to Arizona Tourism stronger than ever in Southern Oregon Medford airport still flying high with record passenger counts Agriculture 1-800Flowers.com reports $10.5 million loss in third quarter Opinion Latest Our View: Wine growers take note of climate change Letters to the Editor, May 27 Kathleen Parker: It must not be easy being Bill Kristol Granlund cartoon: Ireland gay marriage vote Mark L. Hopkins: It’s not nice to fool with Mother Nature Editorials Our View: Wine growers take note of climate change Our View: Don't siphon off prison savings just yet Other Views: PERS ruling leaves little room to maneuver Our View: Free tuition could fly if 'fifth-year' plans reined in Our View: Josephine voters choose lawlessness again Letters to the Editor Letters to the Editor, May 27 Letters to the Editor, May 26 Letters to the Editor, May 25 Letters to the Editor, May 24 Letters to the Editor, May 22 Columns Kathleen Parker: It must not be easy being Bill Kristol We can reduce greenhouse gas emissions Kathleen Parker: Who's the studliest of them all? Guest Opinion: BLM management plans fail people and forests You want what-ifs? Here's one Guest Opinions We can reduce greenhouse gas emissions Guest Opinion: BLM management plans fail people and forests Guest Opinion: Medford needs SkyPark more than it needs parking Guest Opinion: Ample water? Think again Guest Opinion: Oregon mothers need much more than flowers Lifestyle Latest stories Dave Ramsey: Save extra instead of getting insurance rider Lavender in your larder Traveling in time with Grandma Skinner's Scottish Shortbread Andrea Honaker: Getting to know rhubarb Cathey Noell: The sweet, delicate and versatile Vidalia onion Food Lavender in your larder Traveling in time with Grandma Skinner's Scottish Shortbread Andrea Honaker: Getting to know rhubarb Cathey Noell: The sweet, delicate and versatile Vidalia onion Book Notes: The stories behind the recipes Home and Garden Betty Montgomery: Clematis is a lovely, versatile flowering vine Make herbs part of your plant world Homeowner’s insurance: What it covers, what it excludes Monarchs are disappearing, but you can help with a wildflower garden Linda Cobb: Time to make a list of spring garden chores Health It Is What It Is: Come on body, stay with me! Community blog: It�s a Shame: How to Understand and Manage It Health Watch: How to avoid the diet rut Donna Knight: How to lessen your risk Community blog: Little Free Libraries Hiking Biking Faith Religion Briefs: Friday, May 22 Religion Briefs: Friday, May 15 Religion Briefs: Friday, May 8 Religion Briefs: Friday, May 1 Milestones and Achievements New rec program targets park events Prefontaine-style running trail proposed in south Medford Bukair-Hinkle Wedding: Stephanie Anne Obad and Mark Douglass Schmor Ashland water bills could go up to fund watershed protection Columnist for a Day Rogue Healthy Aging Tempo Latest stories Oldtime Fiddlers keep the old tunes — and their stories — alive 5 things to do in the Rogue Valley Live Music in Local Clubs Memorial Day celebrates veterans Rogue Rage Duo at The Point Theater SOU presents Shakespeare's 'The Winter's Tale' OSF commissioned plays tour throughout country 'Cuckoo's Nest' is a big play, well presented 'One Flew Over the Cuckoo's Nest' REVIEW: Randall Theatre's 'Little Shop of Horrors' a rollicking good time Music Oldtime Fiddlers keep the old tunes — and their stories — alive Live Music in Local Clubs Rogue Rage Duo at The Point The Farr Side: Swift dominates Billboard Music Awards Interview: Country mainstay T. Graham Brown reflects on career Community Events Memorial Day celebrates veterans Third Friday: 'Into the Woods' is a must-see 5 things to see at Art in Bloom Flowers, art and music highlight Art in Bloom Hip-Hop Poetry Open Mic at OSF's Black Swan in Ashland Movies Interview: ‘Good Kill’ offers blistering look at ‘battlefields and blackjack’ of drone warfare Review: ‘Tomorrowland’ feels like another Disneyland staple — Dopey Movie review: Disney takes us to ‘Tomorrowland’ Dwayne Johnson rocks in a new way in ‘San Andreas’ Movie review: Cast keeps laughs coming in ‘Pitch Perfect 2’ Dining Lavender in your larder Upscale pub fare at The Point Wine by the keg, growler, box and ammo can 6 stars of the Rogue Valley food universe Cool down with a cold one (or two, or three) Tempo Videos Classifieds Jobs Autos Real Estate FEATURED » Obits Blogs TV Listings Movie Listings Oregon Outdoors Oregon Healthy Living Special Sections Business Services NEWS NOW Our View: Wine growers take note of climate change ... The Beanery customers remember the better times ... Sen. Merkley talks 'Big Idea' with McLoughlin students ... Our View: Wine growers take note of climate change ... The Beanery customers remember the better times ... Sen. Merkley talks 'Big Idea' with McLoughlin students ... Liability for fraud will fall to merchants who don't adopt new credit-card chip technology New technology to reduce credit-card fraud in the U.S. means... By Greg Stiles Mail Tribune MailTribune.com By Greg Stiles Mail Tribune Posted May. 24, 2015 @ 2:00 am By Greg Stiles Mail Tribune Posted May. 24, 2015 @ 2:00 am The new credit card chip: what you need to know --> People who own credit cards will get new cards that have both the magnetic stripe and a chip designed to verify that the rightful owner is using the card. When you stick your chip-embedded ca... » Read more X The new credit card chip: what you need to know People who own credit cards will get new cards that have both the magnetic stripe and a chip designed to verify that the rightful owner is using the card. When you stick your chip-embedded card into the new terminals at checkout counters, the system will read the amount of a transaction and whether it is domestic or international. Then it will verify the rightful owner through one of four methods: • Signature, the same verification method presently used by magnetic-stripe cards. • Online encrypted personal identification number sent in real-time to the credit card company for validation. • Offline PIN is sent to the chip card and is validated by the chip. • No signature required, typically used for low-value, low-risk transactions. The issuer of the card determines its preference for a particular transaction, which is set in the card profile. Visa has announced its policy is for chip cards to be read as chip cards at all times unless the card, chip reader or terminal is malfunctioning. Then the magnetic stripe can be used. At least in the early going, consumers can expect to spend a little more time at the checkout counter. Unlike the magnetic stripe swipe, cards have to remain in the machine until the transaction is finished. Early removal of the chip card from the reader will terminate the transaction. » Social News p bs:newslist StartDate="20121121" EndDate="p bs:datecalc Months="3"" DateSort="1" UseObjects="1" ObjectClass="81" Taxonomywords="2325,665" ExactTaxonomyMatch="1" Image="1" Count="4" --> Like it or not, the future is at hand. Come Oct. 1, the credit card swipe will be passé as magnetic stripes give way to embedded chips and new terminals at the checkout counter to read a galaxy of information designed to reduce fraud. "Everything gets more complicated," says Tony Kell, general manager of Mattress Experts and Medford Mattress. "It's going to be kind of tricky with three stores. We'll definitely have to make sure our terminals are up to date." What has been standard credit card procedure in Europe and elsewhere soon will be the norm in the United States. While the new system, called EMV after Europay, MasterCard and Visa, keeps information safer, there's a potential downside: Merchants who don't adopt the chip technology will be liable for fraud costs once absorbed by the banks issuing the credit cards. "Whichever piece of the transaction with the least amount of security ends up holding the bag," says Craig Carpenter, a data security attorney with the Thompson & Knight law firm in Dallas, Texas. "When it comes to fraud, if you don't have the new chip technology, then you will be the weak link in the chain." Although the transition has been in the works for a half-decade, the change is long overdue, Carpenter suggests. "The reason why America is so late to the party has to do with the different costs throughout the process," he says. "The magnetic stripe sending information was really out of date compared to advances we've seen with computer security, fire walls and virtual private networks. This is the first upgrade in credit card technology we've had in several decades. It brings our credit card industry up to speed with the general increase of technology we have seen with computers and everything else." Following the United Kingdom's adoption of the system in 2008, fraud declined in that country, he said. "European countries were quick to respond out of necessity," Carpenter said. "Their Internet structure was not as strong." The cost to retailers will depend on how extensively they've upgraded their terminal systems in recent years. Merchants who upgraded without instituting the chip technology will have to shell out a few hundred dollars to lease or buy one of the new terminals. Kell says card reading machines at his three mattress stores vary in age. "In the past they've cost $400 or $500. I wouldn't be surprised if the new ones pushed one thousand bucks," Kell says. "Usually you can go quite a while on machines." With EMV chips on the horizon, the decision was made to lease. "Normally it's cheaper to buy a machine," he says. "But if you know you have to buy again in a shorter time, it's actually cheaper to lease. As we change out the machines in the future, we'll probably just buy them." Even though hardware salesmen have beat the drum for some time, Kell says, he expects some merchants to be taken by surprise. "We've been hearing chatter for the last three or four years," he says. "Some of the merchant processors were using scare tactics to sell equipment. When we changed machines a couple of years ago, they were telling us it was just months away. If merchants don't realize it's coming, I imagine it will be a little bit of a shocker." The irritant for major retailers will be the additional checkout time. "Transaction times will rise incrementally," Carpenter says. "Retailers hate things that increase transaction times, they want to make it as easy as possible to buy things. But once people get used to the dip-and-wait thing versus the swipe, it will be fine." For customers, EMV will mean getting used to new procedures at the checkout counter and fewer calls from credit card companies asking whether you really did make a purchase in Forest Park, Ga., or Littleton, Colo. "It's a positive thing," Carpenter says. "You will definitely see a decrease in fraud and ID theft, which is the fastest growing crime in the U.S." Even so, consumers need to remain wary of thieves. "It doesn't solve the problem," Carpenter cautions. "It only affects point-of-sale and card transactions. It won't increase online or over-the-phone security. So you need to be aware of where you are using cards and still be monitoring accounts." Carol Garfield, owner of Dancing Beads in downtown Medford, hasn't encountered fraud issues since opening her business in the late 1990s. The change, she says, will exact a different kind of cost for mom-and-pop merchants. "One more thing to worry about at night," Garfield says. "One more thing to have to explain to our customers. One more bit of legislation that tips us over the edge. Some businesses run really close to their bottom line." She is looking for processing machines compatible with an iPad or iPhone and going to the Square point-of-sale system, where receipts are emailed to customers. In general, she has no problem with the security aspects of the changeover. "However, it seems to be coming at our expense," Garfield says. "The large card carriers, like Visa and MasterCard, are washing their hands of responsibility and putting it onto the shoulders of the people who are least able to afford to take on that liability, which is the small businesses." Even though SASCO Fasteners owner Steve Dunham takes big credit card orders, he isn't too concerned with liability issues. Dunham's customers are well known to him and most are large companies whose credit card data is kept on file. After dealing with a fraudulent out-of-state order years ago, he rejects large orders from unknown buyers. "We do a little bit of business with walk-in clients, but 90 percent of our transactions are over the phone and the billing is pre-authorized," he says. With banks no longer automatically on the hook to cover the costs, Carpenter anticipates a rise in litigation when fraud does appear. "When different parties are held responsible for the first time, obviously they're not going to be very excited," he says. "Due to the removal of the default bank payment, now there is more incentive to look at frauds and vulnerabilities." Reach reporter Greg Stiles at 541-776-4463 or [email protected]. Follow him on Twitter at  www.twitter.com/GregMTBusiness , on Facebook at  https://www.facebook.com/greg.stiles.31 , and read his blog at  www.mailtribune.com/EconomicEdge .   By Greg Stiles Mail Tribune MailTribune.com By Greg Stiles Mail Tribune Posted May. 24, 2015 @ 2:00 am » Comment or view comments /* $( document ).ready(function() { // Jquery mobile is trying to style the button and leaving a blank gry button on top of a white button $("#viafouracoms .vf-comment-controls li.vf-right").html(' Submit '); });*/ » STAY INFORMED Email NewsLetter Sign Up Today Sign up for our newsletter and have the top headlines from your community delivered right to your inbox. calendar Connect with MailTribune.com Facebook Twitter RSS Back to top Reader Services Reader Services Home Subscriptions Subscriber controls Contact us Submissions Photos Events Letters to the editor Corrections Announcements Obituaries Story ideas Since you asked Alerts Email Alerts RSS Feeds Text Alerts Advertise Media Kit Home Products and services Ad rates Advertising contacts Propel Marketing Mail Tribune Daily Tidings The Nickel Shop Our Valley Blogs Stay Informed Email newsletter Sign Up Today Sign up for our newsletter and have the top headlines from your community delivered right to your inbox. 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