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Section 1 - Users

What is ActiveCheckout? ActiveCheckout is a small software application, known as an applet, which you can use to make your online shopping faster and safer. It stores your personal details securely on your computer, by encrypting them, and uses them to automatically fill forms to make online purchasing easier. It is estimated that ActiveCheckout reduces the time required to make an online purchase by up to four minutes. ActiveCheckout also has the advantage of being able to provide authenticated payments to meet the requirements of new payment authentication standards (see also: What is MasterCard SPA? and What is Verified by Visa?).

With ActiveCheckout you can:

• Store multiple user profiles, with a nominated default. For example you can store your home address, work address, different delivery contacts etc.
• Store multiple credit cards, with a nominated default
• Use Intelligent form filling, which works fully on all ECML compliant websites and has an accuracy of over 90% with websites that are not ECML compliant
• Automatically detect and fill out online forms and payment pages or fill them out only when you request it
• Download different character animations to brighten your desktop
• Set it to run automatically every time you run your computer
• Use password authentication
• Use it for form-filling only, until your credit card issuing bank introduces support for the new authentication standards

Does ActiveCheckout cost anything for users? No.

What does ActiveCheckout provide for users? Users can store personal information securely and reduce typing at websites with a powerful form-filling capability. They can also make authenticated online transactions with participating credit card issuers.

Is the personal information I enter into ActiveCheckout safe? Yes. All personal information you enter into ActiveCheckout, including your credit card number, is stored on your local computer. Be sure to select a password for access to ActiveCheckout. This will encrypt your personal information, making sure that no one else can access your personal data. ActiveCheckout does not send your personal information to a third party or a remote server.

What if I do not password protect my ActiveCheckout? If you do not choose a password, your personal information is not encrypted. This means that other people might be able to access your data if they have access to your computer. Be sure to select a password when the computer is used by different people to ensure that your personal information is never exposed.

Will my personal information be disclosed to any third parties? No. Your personal information is not sent or stored on any servers run by GPayments and as such cannot be disclosed to third parties.

Why doesn't ActiveCheckout store additional passwords? Some credit card issuers do not think that any software application should be able to store passwords and PIN numbers such as Internet banking passwords.
ActiveCheckout had to be designed to support the functionality that is approved by all issuers. For this reason ActiveCheckout does not store any additional passwords.

What is authentication? Authentication during an online credit card purchase is the verification of a credit card owner to the merchant.

If the cardholder is physically present when a transaction is made, authentication is achieved by manually checking the cardholder's signature at the point of sale.

Visa and MasterCard have introduced standards for authenticating online payments. These standards are known as Verified by Visa and MasterCard SPA, respectively. Your card-issuing bank will inform you as they introduce support for these standards and you will need to register with your bank, generally using an online process, so that you can make authenticated payments (see also: What is MasterCard SPA? and What is Verified by Visa?).

What is 3-D Secure? 3-D Secure is the system used to support the Verified by Visa authentication standard (see also: What is Verified by Visa?).

What is MasterCard SPA? MasterCard SPA is the authentication standard for online transactions introduced by MasterCard, which uses the Secure Payment Application (SPA) standard.

When you register a MasterCard credit card for MasterCard SPA you will download a small software application (called an applet), such as ActiveCheckout and create a MasterCard username and password.

When you shop with ActiveCheckout at a MasterCard SPA online store you will be required to enter your MasterCard SPA username and password to authenticate yourself. This means that only you can use your MasterCard credit card to shop online.

What is Verified by Visa? Verified by Visa is the authentication standard for online transactions introduced by Visa, which uses a system called 3-D Secure.

When you enrol with Verified by Visa you create a password for the Visa card you are enrolling. When you shop at Verified by Visa online stores, you enter this password in the same way you would enter your PIN number at an ATM. This means that only you can use your Visa Card to shop online.

How will I know when my cards are eligible for MasterCard SPA? ActiveCheckout will display a message as each of the cards which you store becomes eligible for MasterCard SPA. You will then be able to register for SPA with the particular issuer for that card.

What are the system requirements for installing ActiveCheckout? Your computer should meet the following requirements before you install ActiveCheckout:

• Pentium 90MHz processor or faster
• 16 MB RAM or more
• 1MB available hard-disk space needed to install
• Microsoft Windows® 95, 98, NT, ME, 2000, or XP
• Internet Explorer 5.0+

How big is ActiveCheckout? The ActiveCheckout applet is approximately 200 KB. The additional ActiveCheckout characters, which are downloaded separately, vary in size between 0.2 MB and 4.0 MB

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