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With the help of this system, users can automate many business critical functions, such as:\r\n * Warehouse flow control,\r\n * Accepting orders,\r\n * Financial Management,\r\n * Personnel Management,\r\n * Full remote access,\r\n * Delivery function\r\nSmartRest is a leading product of Smart Production LLC.","companyTypes":["vendor"],"products":{},"vendoredProductsCount":1,"suppliedProductsCount":1,"supplierImplementations":[],"vendorImplementations":[],"userImplementations":[],"userImplementationsCount":0,"supplierImplementationsCount":0,"vendorImplementationsCount":0,"vendorPartnersCount":0,"supplierPartnersCount":0,"b4r":0,"categories":{"381":{"id":381,"title":"Software Distribution","description":" Software distribution can refer to 2 distinct concepts. When used as a verb, software distribution is the process of delivering software to the end user, while a software distribution, as a noun, (distro) is a collection of software.\r\nA software distribution (noun), or distro, is a collection of software components built, assembled and configured so that it can essentially be used &quot;as is&quot;. It is often the closest thing to turnkey form of free software. A distro may take the form of a binary distribution, with an executable installer which can be downloaded from the Internet. Examples range from whole operating system distributions to server and interpreter distributions (for example WAMP installers). Software distributions (noun) can also refer to careware and donateware.\r\nIn recent years, the term has come to refer to nearly any &quot;finished&quot; software (i.e. something that is more or less ready for its intended use, whether as a complete system or a component of a larger system) that is assembled primarily from open source components.\r\nTechnical support is a key issue for end-users of distributions, since the distribution itself is typically free and may not be &quot;owned&quot; in a commercial sense by a vendor. Depending on the distribution, support may be provided by a commercial support vendor, the developers who created the distribution or by the user community itself.\r\nIn simple terms, software distribution is the process of making a software available to the end user from the developer. It gives the organization a safe and consistent method for packaging, deploying and tracking software changes in the enterprise. The software rollout projects can be done quickly and effectively in a hassle free way through software distribution.","materialsDescription":" <span style=\"font-weight: bold; \">What are the Benefits of Software Distribution?</span>\r\n<span style=\"font-style: italic; \"><span style=\"font-weight: bold; \">Improved Software Security</span></span>\r\nA proper software distribution service monitors software performance on various workstations. It checks the software health and can automatically track necessary updates. Various maintenance job like uninstall, configuration, etc can also be performed securely through effective software distribution.\r\n<span style=\"font-style: italic;\"><span style=\"font-weight: bold; \">Track of User Actions</span></span>\r\nStatistics and analytics can be drawn from comprehensive or customized reports gathered from software distribution systems. It can be used to monitor user activities around the particular software on workstations. This can assist in establishing a controlled work environment where the actions of users can be monitored by the enterprise.\r\n<span style=\"font-style: italic;\"><span style=\"font-weight: bold; \">Saves Time</span></span>\r\nSoftware distribution gives comprehensive deployment options and ways to customize installation. Packages can be distributed to users in less time within hours and not in days. Software installations can be done remotely saving both time and effort. The process can be done unattended so IT team can concentrate on other jobs.\r\n<span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">Automated Updates</span></span>\r\nSoftware distribution can track important updates and issue them to specific workstations in the organization. IT team does not need to attend to each computer and perform maintenance job. The software distribution system finds and schedules all important upgrades required by the application.","iconURL":"https://old.roi4cio.com/fileadmin/user_upload/icon_Software_Distribution.png","alias":"software-distribution"},"713":{"id":713,"title":"IT Trainings","description":" IT Training is specific to the Information Technology (IT) industry, or to the skills necessary for performing information technology jobs. IT Training includes courses related to the application, design, development, implementation, support or management of computer-based information systems.\r\nThe IT training market is segmented into six broad market segments.&nbsp; Based on TrainingIndustry.com research, these segments reflect how IT training companies focus their suite of offerings and from which areas they derive most of their revenue.\r\n<ul><li>IT Infrastructure Training focuses on building, sustaining, and managing technical infrastructure.</li><li>Programming and Database Training involves database construction and management, programming language, and similar areas.</li><li>Enterprise Business Applications Training involves software applications that manage organizations’ processes, such as ERP, CRM, call center management, automated billing systems, etc.</li><li>Desktop Applications Training focuses on how to use programs and applications for desktop users.</li><li>Certification Training includes certifications, compliance, exam preparation, or boot camp style training programs.</li><li>Cyber Security Training involves courses and training programs centered on IT network and system security.</li></ul>","materialsDescription":" <span style=\"font-weight: bold;\">What is IT Training?</span>\r\nThe organized activity aimed at imparting information and/or instructions to improve the recipient's performance or to help him or her attain a required level of knowledge or skill in the IT-sphere.\r\n<span style=\"font-weight: bold;\">Who is an information technology (IT) trainer?</span>\r\nInformation technology trainers may teach IT administrative support staff or an organization's non-technical business users how to operate, configure, and maintain new technology. Employed either in-house as part of the IT department or by a technology vendor, the information technology trainer helps a company get the most value from its investment in an IT solution.\r\nAn information technology degree helps IT professionals build a foundation for a technical training career. In addition, IT trainers must stay up to date with evolving technology. IT certification programs such as MCSE certification allow trainers to build expertise in specific vendor technologies and systems components. According to the Bureau of Labor Statistics, training and development specialists in all fields earned a mean annual salary of $55,310 in 2009. Software publishing was among the top-paying industries for trainers, with a salary of $71,960.\r\n<span style=\"font-weight: bold;\">What is the target audience of IT Training?</span>\r\nStudents of IT training programs are predominately those who work in jobs related to computer science, network administration, information technology management, cloud computing, telecommunications, etc.\r\nGeneral business professionals and consumers who use IT applications, and computer and software products are other important audiences for IT training. IT training, more so than most other content segments of the training market, contains a substantial amount of business to consumer (B2C) training. Consumer training occurs when a student (or purchaser of a training program) completes the training on their own, without the recommendation, supervision, or support of an employer. This includes individuals aiming to improve their IT skill set or to gain certifications.\r\nThere is also a considerable amount of government spending in the IT training market, predominately in the area of cybersecurity.","iconURL":"https://old.roi4cio.com/fileadmin/user_upload/icon_IT_Trainings.png","alias":"it-trainings"},"769":{"id":769,"title":"Payments processing","description":" Processing - data processing when making payments. Processing is divided into card processing and electronic payment processing. Is the card working? Is there enough money on it to make a payment? Can the card accept the transfer? Processing answers to all these questions. The same data transfer process that allows you to make a payment.\r\nProcessing centers are engaged in processing. It is thanks to the processing that payments are generally made. Plastic card processing allows you to make card payments: when you, for example, pay with a card in the supermarket through a terminal, it is card processing that is responsible for transferring money from your account to the store account. The main processing centers are owned by Visa and Mastercard. These centers operate 24/7, responsible for making payments worldwide.\r\nAcquiring is the process of accepting bank payments. Acquiring is divided into two broad areas: simply acquiring and Internet acquiring. Acquiring and processing are related. Before the payment is processed, someone must accept the data on the payment participants and transfer them to the processing center. This is acquiring.\r\nInternet acquiring is the reception of your payment card data when paying online. Here is the very moment when paying for purchases on the site you are asked to enter data. For online acquiring, your full card number, card expiration date, CVV code (a three-digit security code located on the back of the card) is required. As a rule, this data is enough to make an online payment.","materialsDescription":" <span style=\"font-weight: bold;\">What is acquiring?</span>\r\nAcquiring is the activity of a financial organization (bank or payment provider) in the processing of bank credit or debit cards, which is a sequence of procedures for checking the data entered by the cardholder, debiting funds from his account and crediting funds to the merchant account of the payee organization. Also called merchant acquiring.\r\n<span style=\"font-weight: bold;\">What is internet acquiring?</span>\r\nInternet acquiring is the implementation by the Payment Processing Clearing House of a sequence of cash transactions similar to merchant acquiring, but without identifying the signature of the cardholder and, as a result, with the possibility of canceling the payment &quot;on demand&quot; of the owner.\r\n<span style=\"font-weight: bold;\">Acquiring: tariffs and factors influencing them</span>\r\nThere are two types of acquiring: trading acquiring using POS-terminals, when the card is physically present, and its owner puts a signature on the check (payment marker “Card present”), and Internet acquiring when the card is missing and it is impossible to establish a face making payment (marker &quot;Card not present&quot;). The presence of a card marker in electronic banking transactions is an essential element that determines what kind of acquiring, tariffs, processing rules and opportunities for appeal and cancellation are made.\r\nTo protect cardholders from fraud, the “Card not present” payment processing procedure introduced the possibility of a simplified payment cancellation (Chargeback). In many cases, for this, it is enough for the Cardholder to call his bank and say that the goods were not delivered or the service was not provided properly.\r\nTo minimize the cases of “chargebacks”, VISA, MasterCard and other card regulators imposed strict sanctions on Merchants, which provide poor-quality services, in the form of fines for each case of payment cancellation. And the traders themselves were divided into classes of activity depending on the level of risk of the “chargeback”. Tariff grids have been created that define the basic commission depending on the “Merchant class”. The maximum allowable chargeback levels were also determined - for example, for VISA credit cards this is ~ 2%, and for MasterCard ~ 1%. Moreover, the regulators set a limit on these percentages not for the trading enterprises themselves, but for banks.\r\nIn addition, VISA and MasterCard divided the planet into special zones - acquiring cards of European residents in American processing will cost the recipient more than paying through a European processing or bank. This commission is called the &quot;Interchange rate&quot;. It is believed that it was created to “skim the cream” from online businesses that minimize costs through various offshore schemes.\r\n<span style=\"font-weight: bold;\">Internet acquiring and the issue of canceling payments</span>\r\nA strict restriction on the percentage of “chargebacks” led to the appearance of two types of payment processings specializing in reducing their number:\r\nThe first type is organizations that reduce the number of chargebacks by legal means. Such companies create call-centers for technical support, conduct site audits, logistics and business reorganization consulting. This type of processor is interesting when exceeding the maximum level of “chargebacks” is within 1%.\r\nThe second type is firms specializing in working with shadow businesses with high turnover and a return level of more than 4%. Working in tandem with banks, they arrange “carousels” of fake legal entities and, using delays in processing complaints, manage to withdraw money from accounts before the regulator prohibits transactions and blocks the held insurance interest “hold”. This is “black” acquiring, tariffs in such organizations, of course, are much higher.","iconURL":"https://old.roi4cio.com/fileadmin/user_upload/icon_Payments_processing.png","alias":"payments-processing"}},"companyUrl":"https://smartproductionllc.com/en/","countryCodes":["ARM"],"certifications":[],"isSeller":true,"isSupplier":false,"isVendor":true,"presenterCodeLng":"","seo":{"title":"SmartRest - Restaurant automation system  ","keywords":"","description":"SmartRest is a multifunctional system for public catering and restaurant business automation based on ERP and CRM. With the help of this system, users can automate many business critical functions, such as:\r\n * Warehouse flow control,\r\n * Accepting orders,\r\n *","og:title":"SmartRest - Restaurant automation system  ","og:description":"SmartRest is a multifunctional system for public catering and restaurant business automation based on ERP and CRM. With the help of this system, users can automate many business critical functions, such as:\r\n * Warehouse flow control,\r\n * Accepting orders,\r\n *","og:image":"https://old.roi4cio.com/uploads/roi/company/smartrest_1.png"},"eventUrl":"","vendorPartners":[],"supplierPartners":[],"vendoredProducts":[{"id":6307,"logoURL":"https://old.roi4cio.com/fileadmin/content/smartrest.png","logo":true,"scheme":false,"title":"SmartRest - Restaurant automation system  ","vendorVerified":0,"rating":"0.00","implementationsCount":0,"suppliersCount":0,"supplierPartnersCount":0,"alias":"smartrest-restaurant-automation-system","companyTitle":"SmartRest - Restaurant automation system  ","companyTypes":["vendor"],"companyId":8937,"companyAlias":"smartrest","description":"<p>SmartRest is a multifunctional system for public catering and restaurant business automation based on ERP and CRM. With the help of this system, users can automate many business critical functions, such as:<br /> * Warehouse flow control,<br /> * Accepting orders,<br /> * Financial Management,<br /> * Personnel Management,<br /> * Full remote access,<br /> * Delivery function</p>\r\n<p>SmartRest is a leading product of Smart Production LLC.</p>","shortDescription":"SmartRest is an easy-to-use automation software for public catering and restaurant businesses based on ERP and CRM. The system enables to refrain everyday control of the system-wise management.","type":null,"isRoiCalculatorAvaliable":false,"isConfiguratorAvaliable":false,"bonus":100,"usingCount":0,"sellingCount":0,"discontinued":0,"rebateForPoc":0,"rebate":0,"seo":{"title":"SmartRest - Restaurant automation system  ","keywords":"","description":"<p>SmartRest is a multifunctional system for public catering and restaurant business automation based on ERP and CRM. With the help of this system, users can automate many business critical functions, such as:<br /> * Warehouse flow control,<br /> * Accepting ","og:title":"SmartRest - Restaurant automation system  ","og:description":"<p>SmartRest is a multifunctional system for public catering and restaurant business automation based on ERP and CRM. With the help of this system, users can automate many business critical functions, such as:<br /> * Warehouse flow control,<br /> * Accepting ","og:image":"https://old.roi4cio.com/fileadmin/content/smartrest.png"},"eventUrl":"","translationId":6307,"dealDetails":null,"roi":null,"price":null,"bonusForReference":null,"templateData":[],"testingArea":"","categories":[{"id":52,"title":"SaaS - software as a service","alias":"saas-software-as-a-service","description":"<span style=\"font-weight: bold;\">Software as a service (SaaS)</span> is a software licensing and delivery model in which software is licensed on a subscription basis and is centrally hosted. It is sometimes referred to as &quot;on-demand software&quot;, and was formerly referred to as &quot;software plus services&quot; by Microsoft.\r\n SaaS services is typically accessed by users using a thin client, e.g. via a web browser. SaaS software solutions has become a common delivery model for many business applications, including office software, messaging software, payroll processing software, DBMS software, management software, CAD software, development software, gamification, virtualization, accounting, collaboration, customer relationship management (CRM), Management Information Systems (MIS), enterprise resource planning (ERP), invoicing, human resource management (HRM), talent acquisition, learning management systems, content management (CM), Geographic Information Systems (GIS), and service desk management. SaaS has been incorporated into the strategy of nearly all leading enterprise software companies.\r\nSaaS applications are also known as <span style=\"font-weight: bold;\">Web-based software</span>, <span style=\"font-weight: bold;\">on-demand software</span> and<span style=\"font-weight: bold;\"> hosted software</span>.\r\nThe term &quot;Software as a Service&quot; (SaaS) is considered to be part of the nomenclature of cloud computing, along with Infrastructure as a Service (IaaS), Platform as a Service (PaaS), Desktop as a Service (DaaS),managed software as a service (MSaaS), mobile backend as a service (MBaaS), and information technology management as a service (ITMaaS).\r\nBecause SaaS is based on cloud computing it saves organizations from installing and running applications on their own systems. That eliminates or at least reduces the associated costs of hardware purchases and maintenance and of software and support. The initial setup cost for a SaaS application is also generally lower than it for equivalent enterprise software purchased via a site license.\r\nSometimes, the use of SaaS cloud software can also reduce the long-term costs of software licensing, though that depends on the pricing model for the individual SaaS offering and the enterprise’s usage patterns. In fact, it’s possible for SaaS to cost more than traditional software licenses. This is an area IT organizations should explore carefully.<br />SaaS also provides enterprises the flexibility inherent with cloud services: they can subscribe to a SaaS offering as needed rather than having to buy software licenses and install the software on a variety of computers. The savings can be substantial in the case of applications that require new hardware purchases to support the software.<br /><br /><br /><br />","materialsDescription":"<h1 class=\"align-center\"><span style=\"font-weight: normal;\">Who uses SaaS?</span></h1>\r\nIndustry analyst Forrester Research notes that SaaS adoption has so far been concentrated mostly in human resource management (HRM), customer relationship management (CRM), collaboration software (e.g., email), and procurement solutions, but is poised to widen. Today it’s possible to have a data warehouse in the cloud that you can access with business intelligence software running as a service and connect to your cloud-based ERP like NetSuite or Microsoft Dynamics.The dollar savings can run into the millions. And SaaS installations are often installed and working in a fraction of the time of on-premises deployments—some can be ready in hours. \r\nSales and marketing people are likely familiar with Salesforce.com, the leading SaaS CRM software, with millions of users across more than 100,000 customers. Sales is going SaaS too, with apps available to support sales in order management, compensation, quote production and configure, price, quoting, electronic signatures, contract management and more.\r\n<h1 class=\"align-center\"><span style=\"font-weight: normal;\">Why SaaS? Benefits of software as a service</span></h1>\r\n<ul><li><span style=\"font-weight: bold;\">Lower cost of entry</span>. With SaaS solution, you pay for what you need, without having to buy hardware to host your new applications. Instead of provisioning internal resources to install the software, the vendor provides APIs and performs much of the work to get their software working for you. The time to a working solution can drop from months in the traditional model to weeks, days or hours with the SaaS model. In some businesses, IT wants nothing to do with installing and running a sales app. In the case of funding software and its implementation, this can be a make-or-break issue for the sales and marketing budget, so the lower cost really makes the difference.</li></ul>\r\n\r\n<ul><li><span style=\"font-weight: bold;\">Reduced time to benefit/rapid prototyping</span>. In the SaaS model, the software application is already installed and configured. Users can provision the server for the cloud and quickly have the application ready for use. This cuts the time to benefit and allows for rapid demonstrations and prototyping. With many SaaS companies offering free trials, this means a painless proof of concept and discovery phase to prove the benefit to the organization. </li></ul>\r\n\r\n<ul><li><span style=\"font-weight: bold;\">Pay as you go</span>. SaaS business software gives you the benefit of predictable costs both for the subscription and to some extent, the administration. Even as you scale, you can have a clear idea of what your costs will be. This allows for much more accurate budgeting, especially as compared to the costs of internal IT to manage upgrades and address issues for an owned instance.</li></ul>\r\n\r\n<ul><li><span style=\"font-weight: bold;\">The SaaS vendor is responsible for upgrades, uptime and security</span>. Under the SaaS model, since the software is hosted by the vendor, they take on the responsibility for maintaining the software and upgrading it, ensuring that it is reliable and meeting agreed-upon service level agreements, and keeping the application and its data secure.&nbsp; While some IT people worry about Software as a Service security outside of the enterprise walls, the likely truth is that the vendor has a much higher level of security than the enterprise itself would provide. Many will have redundant instances in very secure data centers in multiple geographies.&nbsp; Also, the data is being automatically backed up by the vendor, providing additional security and peace of mind. Because of the data center hosting, you’re getting the added benefit of at least some disaster recovery. Lastly, the vendor manages these issues as part of their core competencies—let them.</li></ul>\r\n\r\n<ul><li><span style=\"font-weight: bold;\">Integration and scalability.</span> Most SaaS apps are designed to support some amount of customization for the way you do business. SaaS vendors create APIs to allow connections not only to internal applications like ERPs or CRMs but also to other SaaS providers. One of the terrific aspects of integration is that orders written in the field can be automatically sent to the ERP. Now a salesperson in the field can check inventory through the catalog, write the order in front of the customer for approval, send it and receive confirmation, all in minutes. And as you scale with a SaaS vendor, there’s no need to invest in server capacity and software licenses. </li></ul>\r\n\r\n<ul><li><span style=\"font-weight: bold;\">Work anywhere</span>. Since the software is hosted in the cloud and accessible over the internet, users can access it via mobile devices wherever they are connected. This includes checking customer order histories prior to a sales call, as well as having access to real time data and real time order taking with the customer.</li></ul>\r\n<p class=\"align-left\">&nbsp;</p>","iconURL":"https://old.roi4cio.com/fileadmin/user_upload/SaaS__1_.png"},{"id":381,"title":"Software Distribution","alias":"software-distribution","description":" Software distribution can refer to 2 distinct concepts. When used as a verb, software distribution is the process of delivering software to the end user, while a software distribution, as a noun, (distro) is a collection of software.\r\nA software distribution (noun), or distro, is a collection of software components built, assembled and configured so that it can essentially be used &quot;as is&quot;. It is often the closest thing to turnkey form of free software. A distro may take the form of a binary distribution, with an executable installer which can be downloaded from the Internet. Examples range from whole operating system distributions to server and interpreter distributions (for example WAMP installers). Software distributions (noun) can also refer to careware and donateware.\r\nIn recent years, the term has come to refer to nearly any &quot;finished&quot; software (i.e. something that is more or less ready for its intended use, whether as a complete system or a component of a larger system) that is assembled primarily from open source components.\r\nTechnical support is a key issue for end-users of distributions, since the distribution itself is typically free and may not be &quot;owned&quot; in a commercial sense by a vendor. Depending on the distribution, support may be provided by a commercial support vendor, the developers who created the distribution or by the user community itself.\r\nIn simple terms, software distribution is the process of making a software available to the end user from the developer. It gives the organization a safe and consistent method for packaging, deploying and tracking software changes in the enterprise. The software rollout projects can be done quickly and effectively in a hassle free way through software distribution.","materialsDescription":" <span style=\"font-weight: bold; \">What are the Benefits of Software Distribution?</span>\r\n<span style=\"font-style: italic; \"><span style=\"font-weight: bold; \">Improved Software Security</span></span>\r\nA proper software distribution service monitors software performance on various workstations. It checks the software health and can automatically track necessary updates. Various maintenance job like uninstall, configuration, etc can also be performed securely through effective software distribution.\r\n<span style=\"font-style: italic;\"><span style=\"font-weight: bold; \">Track of User Actions</span></span>\r\nStatistics and analytics can be drawn from comprehensive or customized reports gathered from software distribution systems. It can be used to monitor user activities around the particular software on workstations. This can assist in establishing a controlled work environment where the actions of users can be monitored by the enterprise.\r\n<span style=\"font-style: italic;\"><span style=\"font-weight: bold; \">Saves Time</span></span>\r\nSoftware distribution gives comprehensive deployment options and ways to customize installation. Packages can be distributed to users in less time within hours and not in days. Software installations can be done remotely saving both time and effort. The process can be done unattended so IT team can concentrate on other jobs.\r\n<span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">Automated Updates</span></span>\r\nSoftware distribution can track important updates and issue them to specific workstations in the organization. IT team does not need to attend to each computer and perform maintenance job. The software distribution system finds and schedules all important upgrades required by the application.","iconURL":"https://old.roi4cio.com/fileadmin/user_upload/icon_Software_Distribution.png"},{"id":713,"title":"IT Trainings","alias":"it-trainings","description":" IT Training is specific to the Information Technology (IT) industry, or to the skills necessary for performing information technology jobs. IT Training includes courses related to the application, design, development, implementation, support or management of computer-based information systems.\r\nThe IT training market is segmented into six broad market segments.&nbsp; Based on TrainingIndustry.com research, these segments reflect how IT training companies focus their suite of offerings and from which areas they derive most of their revenue.\r\n<ul><li>IT Infrastructure Training focuses on building, sustaining, and managing technical infrastructure.</li><li>Programming and Database Training involves database construction and management, programming language, and similar areas.</li><li>Enterprise Business Applications Training involves software applications that manage organizations’ processes, such as ERP, CRM, call center management, automated billing systems, etc.</li><li>Desktop Applications Training focuses on how to use programs and applications for desktop users.</li><li>Certification Training includes certifications, compliance, exam preparation, or boot camp style training programs.</li><li>Cyber Security Training involves courses and training programs centered on IT network and system security.</li></ul>","materialsDescription":" <span style=\"font-weight: bold;\">What is IT Training?</span>\r\nThe organized activity aimed at imparting information and/or instructions to improve the recipient's performance or to help him or her attain a required level of knowledge or skill in the IT-sphere.\r\n<span style=\"font-weight: bold;\">Who is an information technology (IT) trainer?</span>\r\nInformation technology trainers may teach IT administrative support staff or an organization's non-technical business users how to operate, configure, and maintain new technology. Employed either in-house as part of the IT department or by a technology vendor, the information technology trainer helps a company get the most value from its investment in an IT solution.\r\nAn information technology degree helps IT professionals build a foundation for a technical training career. In addition, IT trainers must stay up to date with evolving technology. IT certification programs such as MCSE certification allow trainers to build expertise in specific vendor technologies and systems components. According to the Bureau of Labor Statistics, training and development specialists in all fields earned a mean annual salary of $55,310 in 2009. Software publishing was among the top-paying industries for trainers, with a salary of $71,960.\r\n<span style=\"font-weight: bold;\">What is the target audience of IT Training?</span>\r\nStudents of IT training programs are predominately those who work in jobs related to computer science, network administration, information technology management, cloud computing, telecommunications, etc.\r\nGeneral business professionals and consumers who use IT applications, and computer and software products are other important audiences for IT training. IT training, more so than most other content segments of the training market, contains a substantial amount of business to consumer (B2C) training. Consumer training occurs when a student (or purchaser of a training program) completes the training on their own, without the recommendation, supervision, or support of an employer. This includes individuals aiming to improve their IT skill set or to gain certifications.\r\nThere is also a considerable amount of government spending in the IT training market, predominately in the area of cybersecurity.","iconURL":"https://old.roi4cio.com/fileadmin/user_upload/icon_IT_Trainings.png"},{"id":769,"title":"Payments processing","alias":"payments-processing","description":" Processing - data processing when making payments. Processing is divided into card processing and electronic payment processing. Is the card working? Is there enough money on it to make a payment? Can the card accept the transfer? Processing answers to all these questions. The same data transfer process that allows you to make a payment.\r\nProcessing centers are engaged in processing. It is thanks to the processing that payments are generally made. Plastic card processing allows you to make card payments: when you, for example, pay with a card in the supermarket through a terminal, it is card processing that is responsible for transferring money from your account to the store account. The main processing centers are owned by Visa and Mastercard. These centers operate 24/7, responsible for making payments worldwide.\r\nAcquiring is the process of accepting bank payments. Acquiring is divided into two broad areas: simply acquiring and Internet acquiring. Acquiring and processing are related. Before the payment is processed, someone must accept the data on the payment participants and transfer them to the processing center. This is acquiring.\r\nInternet acquiring is the reception of your payment card data when paying online. Here is the very moment when paying for purchases on the site you are asked to enter data. For online acquiring, your full card number, card expiration date, CVV code (a three-digit security code located on the back of the card) is required. As a rule, this data is enough to make an online payment.","materialsDescription":" <span style=\"font-weight: bold;\">What is acquiring?</span>\r\nAcquiring is the activity of a financial organization (bank or payment provider) in the processing of bank credit or debit cards, which is a sequence of procedures for checking the data entered by the cardholder, debiting funds from his account and crediting funds to the merchant account of the payee organization. Also called merchant acquiring.\r\n<span style=\"font-weight: bold;\">What is internet acquiring?</span>\r\nInternet acquiring is the implementation by the Payment Processing Clearing House of a sequence of cash transactions similar to merchant acquiring, but without identifying the signature of the cardholder and, as a result, with the possibility of canceling the payment &quot;on demand&quot; of the owner.\r\n<span style=\"font-weight: bold;\">Acquiring: tariffs and factors influencing them</span>\r\nThere are two types of acquiring: trading acquiring using POS-terminals, when the card is physically present, and its owner puts a signature on the check (payment marker “Card present”), and Internet acquiring when the card is missing and it is impossible to establish a face making payment (marker &quot;Card not present&quot;). The presence of a card marker in electronic banking transactions is an essential element that determines what kind of acquiring, tariffs, processing rules and opportunities for appeal and cancellation are made.\r\nTo protect cardholders from fraud, the “Card not present” payment processing procedure introduced the possibility of a simplified payment cancellation (Chargeback). In many cases, for this, it is enough for the Cardholder to call his bank and say that the goods were not delivered or the service was not provided properly.\r\nTo minimize the cases of “chargebacks”, VISA, MasterCard and other card regulators imposed strict sanctions on Merchants, which provide poor-quality services, in the form of fines for each case of payment cancellation. And the traders themselves were divided into classes of activity depending on the level of risk of the “chargeback”. Tariff grids have been created that define the basic commission depending on the “Merchant class”. The maximum allowable chargeback levels were also determined - for example, for VISA credit cards this is ~ 2%, and for MasterCard ~ 1%. Moreover, the regulators set a limit on these percentages not for the trading enterprises themselves, but for banks.\r\nIn addition, VISA and MasterCard divided the planet into special zones - acquiring cards of European residents in American processing will cost the recipient more than paying through a European processing or bank. This commission is called the &quot;Interchange rate&quot;. It is believed that it was created to “skim the cream” from online businesses that minimize costs through various offshore schemes.\r\n<span style=\"font-weight: bold;\">Internet acquiring and the issue of canceling payments</span>\r\nA strict restriction on the percentage of “chargebacks” led to the appearance of two types of payment processings specializing in reducing their number:\r\nThe first type is organizations that reduce the number of chargebacks by legal means. Such companies create call-centers for technical support, conduct site audits, logistics and business reorganization consulting. This type of processor is interesting when exceeding the maximum level of “chargebacks” is within 1%.\r\nThe second type is firms specializing in working with shadow businesses with high turnover and a return level of more than 4%. Working in tandem with banks, they arrange “carousels” of fake legal entities and, using delays in processing complaints, manage to withdraw money from accounts before the regulator prohibits transactions and blocks the held insurance interest “hold”. This is “black” acquiring, tariffs in such organizations, of course, are much higher.","iconURL":"https://old.roi4cio.com/fileadmin/user_upload/icon_Payments_processing.png"}],"characteristics":[],"concurentProducts":[],"jobRoles":[],"organizationalFeatures":[],"complementaryCategories":[],"solutions":[],"materials":[],"useCases":[],"best_practices":[],"values":[],"implementations":[]}],"suppliedProducts":[],"partnershipProgramme":null}},"aliases":{},"links":{},"meta":{},"loading":false,"error":null},"implementations":{"implementationsByAlias":{},"aliases":{},"links":{},"meta":{},"loading":false,"error":null},"agreements":{"agreementById":{},"ids":{},"links":{},"meta":{},"loading":false,"error":null},"comparison":{"loading":false,"error":false,"templatesById":{},"comparisonByTemplateId":{},"products":[],"selectedTemplateId":null},"presentation":{"type":null,"company":{},"products":[],"partners":[],"formData":{},"dataLoading":false,"dataError":false,"loading":false,"error":false},"catalogsGlobal":{"subMenuItemTitle":""}}