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Moneris
Moneris (formerly "Moneris Solutions") is Canada's largest financial technology company that specializes in payment processing. Moneris was established in December 2000 as a joint venture between the Royal Bank of Canada and Bank of Montreal. The company is headquartered in the Toronto suburb of Etobicoke, Ontario and has offices in Sackville, New Brunswick, Burnaby, British Columbia, Montreal, Quebec, and Calgary, Alberta. Moneris’s U.S. operations (formerly known as Harris Bank Merchant Services/The Charge-It-System) were based in Schaumburg, Illinois, until being sold in November 2016 to Vantiv. History Moneris was first established in December 2000 as a 50/50 joint venture between RBC and BMO. It became the first Canadian appropriator to offer both Visa and Mastercard merchant accounts in one single point of contact. Moneris was also the first Canadian payment processor to use an integrated point-of-sale system, so businesses could have the proceeds from all card transa ...
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Bank Of Montreal
The Bank of Montreal (BMO; french: Banque de Montréal, link=no) is a Canadian multinational investment bank and financial services company. The bank was founded in Montreal, Quebec, in 1817 as Montreal Bank; while its head office remains in Montreal, the operational headquarters and executive offices have been located in Toronto, Ontario since 1977. One of the Big Five banks in Canada, it is the fourth-largest bank in Canada by market capitalization and assets, and one of the eight largest banks in North America and the top 50 in the world. It is commonly known by its ticker symbol BMO (pronounced ), on both the Toronto Stock Exchange and the New York Stock Exchange. In October 2021, it had CA$634 billion in assets under administration (AUA). The Bank of Montreal swift code is BOFMCAM2 and the institution number is 001. On 23 June 1817, John Richardson and eight merchants signed the Articles of Association to establish the Montreal Bank in a rented house in Montreal, Queb ...
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BMO Bank Of Montreal
The Bank of Montreal (BMO; french: Banque de Montréal, link=no) is a Canadian multinational investment bank and financial services company. The bank was founded in Montreal, Quebec, in 1817 as Montreal Bank; while its head office remains in Montreal, the operational headquarters and executive offices have been located in Toronto, Ontario since 1977. One of the Big Five banks in Canada, it is the fourth-largest bank in Canada by market capitalization and assets, and one of the eight largest banks in North America and the top 50 in the world. It is commonly known by its ticker symbol BMO (pronounced ), on both the Toronto Stock Exchange and the New York Stock Exchange. In October 2021, it had CA$634 billion in assets under administration (AUA). The Bank of Montreal swift code is BOFMCAM2 and the institution number is 001. On 23 June 1817, John Richardson and eight merchants signed the Articles of Association to establish the Montreal Bank in a rented house in Montrea ...
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Royal Bank Of Canada
Royal Bank of Canada (RBC; french: Banque royale du Canada) is a Canadian multinational financial services company and the largest bank in Canada by market capitalization. The bank serves over 17 million clients and has more than 89,000 employees worldwide. Founded in 1864 in Halifax, Nova Scotia, it maintains a corporate headquarters in Toronto and its head office in Montreal. RBC's institution number is 003. In November 2017, RBC was added to the Financial Stability Board's list of global systemically important banks. In Canada, the bank's personal and commercial banking operations are branded as ''RBC Royal Bank'' in English and ''RBC Banque Royale'' in French and serves approximately 10 million clients through its network of 1,209 branches. RBC Bank is a US banking subsidiary which formerly operated 439 branches across six states in the Southeastern United States, but now only offers cross-border banking services to Canadian travellers and expa ...
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Sackville, New Brunswick
Sackville is a town in southeastern New Brunswick, Canada. It is home to Mount Allison University, a primarily undergraduate liberal arts university. Historically based on agriculture, shipbuilding, and manufacturing, the economy is now driven by the university and tourism. Initially part of the French colony of Acadia, the settlement became part of the British colony of Nova Scotia in 1755 following the Expulsion of the Acadians. History Pre-European Present-day Sackville is in the Mi’kmaq district of Siknikt (to which the place name Chignecto may be traced), which roughly comprised Cumberland County, Nova Scotia, Cumberland, Westmorland County, New Brunswick, Westmorland and part of Albert County, New Brunswick, Albert counties. The Mi’kmaq settlement, Goesomaligeg, was on Fort Beausejour Ridge and Tatamalg or Tantama, on the Sackville Ridge. Many regional toponyms are Mi’kmaq including Tidnish, Minudie, Missaguash River, Aboushagan Road, Midgic, New Brunswick, Midgic, ...
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Vantiv
Worldpay, Inc. was an American payment processing company and technology provider. In June 2019 it was acquired and merged into Fidelity National Information Services (FIS). Before its acquisition, it was headquartered in the greater Cincinnati, Ohio area. Worldpay (formerly Vantiv), was the largest U.S. merchant acquirer ranked by general-purpose transaction volume. The company provides payment and technology services to merchants and financial institutions in the U.S. and processes more than 20.1 billion payment transactions and approximately $726 billion in volume annually. As of 2014, the predecessor company, Vantiv, supported approximately 400,000 merchant locations and more than 17,000 automated teller machines ( ATMs) in 46 states and eight countries. The company's merchant base includes customers in vertical markets such as retail, restaurant, government, e-commerce, supermarket, drug store, business to business and consumer services. Its financial institution base in ...
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UnionPay
UnionPay (), also known as China UnionPay () or by its abbreviation, CUP or UPI internationally, is a Chinese state-owned financial services corporation headquartered in Shanghai, China. It provides bank card services and a major card scheme in mainland China. Founded on 26 March 2002, China UnionPay is an association for China's banking card industry, operating under the approval of the People's Bank of China (PBOC, central bank of China). It is also an electronic funds transfer at point of sale (EFTPOS) network, and the only interbank network in China that links all the automatic teller machine (ATMs) of all banks throughout the country. UnionPay cards can be used in 180 countries and regions around the world. In 2015 the UnionPay overtook Visa and Mastercard in total value of payments made by customers and became the largest card payment processing organization ( debit and credit cards combined) in the world surpassing the two. However, only 0.5% of this payment vo ...
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FIS (company)
Fidelity National Information Services, Inc. (FIS) is an American multinational corporation which offers a wide range of financial products and services. FIS is most known for its development of Financial Technology, or FinTech, and as of Q2 2020 it offers its solutions in three primary segments: Merchant Solutions, Banking Solutions, and Capital Market Solutions. Annually, FIS facilitates the movement of roughly $9 trillion through the processing of approximately 75 billion transactions in service to more than 20,000 clients around the globe. FIS was ranked second in the FinTech Forward 2016 rankings. After finalizing FIS' most recent deal to acquire Worldpay for $35 billion in Q3 of 2019, FIS became the largest processing and payments company in the world. Operations FIS has a portfolio of products for the financial services sector, including both retail and investment banking. They include "Profile" ― a banking application based on the open source GT.M, a transaction ...
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BlackBerry
The blackberry is an edible fruit produced by many species in the genus ''Rubus'' in the family Rosaceae, hybrids among these species within the subgenus ''Rubus'', and hybrids between the subgenera ''Rubus'' and ''Idaeobatus''. The taxonomy of blackberries has historically been confused because of hybridization and apomixis, so that species have often been grouped together and called species aggregates. For example, the entire subgenus ''Rubus'' has been called the '' Rubus fruticosus'' aggregate, although the species ''R. fruticosus'' is considered a synonym of '' R. plicatus''. '' Rubus armeniacus'' ("Himalayan" blackberry) is considered a noxious weed and invasive species in many regions of the Pacific Northwest of Canada and the United States, where it grows out of control in urban and suburban parks and woodlands. Description What distinguishes the blackberry from its raspberry relatives is whether or not the torus ( receptacle or stem) "picks with" (i.e., stays w ...
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Near-field Communication
Near-field communication (NFC) is a set of communication protocols that enables communication between two electronic devices over a distance of 4 cm (1 in) or less. NFC offers a low-speed connection through a simple setup that can be used to bootstrap more-capable wireless connections. Like other " proximity card" technologies, NFC is based on inductive coupling between two so-called antennas present on NFC-enabled devices—for example a smartphone and a printer—communicating in one or both directions, using a frequency of 13.56 MHz in the globally available unlicensed radio frequency ISM band using the ISO/IEC 18000-3 air interface standard at data rates ranging from 106 to 424 kbit/s. The standards were provided by the NFC Forum. The forum was responsible for promoting the technology and setting standards and certifies device compliance. Secure communications are available by applying encryption algorithms as is done for credit cards and if they fit the crit ...
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Android (operating System)
Android is a mobile operating system based on a modified version of the Linux kernel and other open-source software, designed primarily for touchscreen mobile devices such as smartphones and tablets. Android is developed by a consortium of developers known as the Open Handset Alliance and commercially sponsored by Google. It was unveiled in November 2007, with the first commercial Android device, the HTC Dream, being launched in September 2008. Most versions of Android are proprietary. The core components are taken from the Android Open Source Project (AOSP), which is free and open-source software (FOSS) primarily licensed under the Apache License. When Android is installed on devices, the ability to modify the otherwise free and open-source software is usually restricted, either by not providing the corresponding source code or by preventing reinstallation through technical measures, thus rendering the installed version proprietary. Most Android devices ship with addition ...
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Interac
Interac is a Canadian interbank network that links financial institutions and other enterprises for the purpose of exchanging electronic financial transactions. Interac serves as the Canadian debit card system and the predominant funds transfer network via its e-Transfer service. There are over 59,000 automated teller machines that can be accessed through the Interac network in Canada, and over 450,000 merchant locations accepting Interac debit payments. History The network was launched in 1984 through the nonprofit Interac Association, a cooperative venture between five financial institutions: RBC, CIBC, Scotiabank, TD, and Desjardins; by 2010, there were over 80 member organizations. The group founded a for-profit counterpart organization, Acxsys, in 1996, which launched additional Interac-branded services including e-transfers. Following several aborted merger attempts which were either blocked by the Competition Bureau or by some of the co-owners between 2008 and 20 ...
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