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Create Electronic signature Presentation Fast. Explore the most consumer-warm and friendly exposure to airSlate SignNow. Handle your whole file processing and discussing process digitally. Change from hand held, pieces of paper-based and erroneous workflows to programmed, electronic and flawless. You can actually produce, produce and indicator any documents on any product just about anywhere. Ensure your essential organization situations don't slip overboard.
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FAQs
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What is the new instantaneous payment system being used at Target?
This is a great question! I have some direct and indirect knowledge of this program. The way Target has crafted the retail transaction experience I think portends to the direction I believe a vast majority of retail experiences will migrate to. I will digress with a bit of background.Target And TechnologyTarget has always been on the leading edge of technology on front end systems and back end systems. Most of the technology is not seen and operating in the background. For example, the POS and Inventory management software is so well tuned, that it does an incredible job in predicting demand for a particular item up to the not only the day, hour or minute, but to the second.They also have a great deal of foresight in branding most customer facing technology in the store's iconic color of Red. And look to the finest detail on how to improve the entire check out experience. Not just optimized for speed (see Walmart) but optimized for the best possible experience. This is one of the largest forces driving the company's adoption of technology and perhaps the high wisdom that is seen in the way they deploy this technology. There is a great deal of study in retail psychology that most of us are not aware of that plays out when you are completing a purchase. You and I want to get through the checkout line in a very efficient manner. We want the experience to be fast, but perhaps not too fast. The 10 feet that surrounds a checkout line has some of the highest profitability for most retailers and we as consumers love this little area. So Target thought very long and hard about the entire process and signNowed out to a number of industry experts over the last 15 years to help craft the best possible experience we see today.Electronic Signatures. Swipe And Sign Before The Final Barcode ScanTarget was one of the first national retailers to embrace electronic signature pads instead of signing a paper receipt. They did this not so much for how it allowed the company to not need to manage and store the customer's signed receipts, that was important, but more so on how much faster the check out process was conducted. The new technology allowed for a new concept in retail, the early presentation and authorization of the transaction, prior to the final barcode scan. It allows the customer to swipe their Payment Card and sign the receipt all before the last product was bagged. Target was one of the first retailers to implement this very new experience. It sure seems simple and logical today, but it was anything but that when the ideas were being hashed out.Over the years. Target has experimented with a number of customer facing systems from IBM, Verifone and Hypercom. The most recent standardization is with a customized version of the Hypercom Optimum L4150 High-Performance Multi-Lane Payment and Advertising Terminal.Hypercom L4150How Does Target Speed Up Payment Card Acceptance?There are many parts that go into creating the very speedy Payment Card experience at most Target stores. As mentioned above the customized L4150 is the point of interaction and allowed for much of the changes we see in the checkout experience. But there is a lot going on in the background. The L4150 is connected to the POS system usually and IBM SurePOS 500 or 700 and routed through custom software that is connected to the Payment Card Authorization systems. All of this tech has been optimized by and for Target. The process starts when the customer swipes the Payment card and this can be the moment the first item is scanned by the cashier. Once the card is swiped there is an immediate request for a signature. When the last item is scanned the system completes the transaction and prints the last lines of the receipt and this can be as fast as 2 seconds. If one waits to the end of the last scan to swipe the credit card and the transaction is below $50 there will be no prompt for a signature and this is equally as fast. A Pleasant Surprise The entire process is designed to be highly efficient and very simple for the consumer to translate. It comes as a pleasant surprise to just about all of us, even when when have experienced the process before. It is in stark contrast to most Payment Card transaction experiences. This well thought out process is combined with one of the fastest Payment Card Authorization network connections, at a major retailer, using M-Dex ((Merchant Direct Exchange) established by Visa to process at 1mb+ speeds for very large retailers (500,000+ transaction/month). The entire backend is driven by a 5mb-25mb connection to the Target's VPN (Virtual Private Network) using Microsoft's Virtualization solution— Hyper-V. The system is run on Dell R710 servers for the hosts running Hyper-V and Dell MD1000 storage units. There are 15,000 virtual guests running on more than 3,600 Hyper-V hosts across the entire store network. This supports updates to more than 300,000 endpoints across the network, including servers, virtual machines, mobile devices, PCs, and POS registers. Target, with about 1,768 stores, usually has no IT personnel on-site and has found the Hyper-V virtualization allows a vast majority of issues to be solved at the data center and not locally. Microsoft has a great case study of some aspects of Target’s backend technology with the use of the Hyper-V product here: Microsoft Case Study: Microsoft Services - Target Corporation.This system shows a rather huge commitment to technology and a desire to create the most optimal consumer experience. To see how the same set of circumstances is translated with other national retailers, visit Walmart or Kmart and judge the experience. In Walmart's case, they have a profound, "If it was not invented here, it is not relevant" attitude with its study of the retail experience, and one can surmise if this translates to a richer experience for its customers. By contrast, Target is more than willing to continue to test and experiment and to signNow outside of the company for experts that have studied these processes. I personally think Target is the best example one can find in balancing all important aspects and crafts into one of the top 5 best retail experiences and I feel strongly that wise retailers can gain great insights by studying Target and the way they see its customers.
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What industries must use electronic signature software?
Any industry involving a large amount of paperwork make use electronic signatures. In other words, all industries make use of electronic signatures because all of them have piles of paperwork to handle. Some examples of such industries include financial, life science, healthcare and pharmaceutical industries.Industries such as the pharmaceutical industry, have a number of licenses and other paperwork that they have to handle and keep track of. It can be a tedious task to perform such cumbersome paper processes. Therefore, e-signatures can facilitate an organisation in keeping a track of all this paperwork, by signing electronically.Healthcare industries usually involve time-sensitive documents, which need to be urgently completed. But, it can take days in case of the traditional wet ink paper signatures for the documents to signNow the signer and back, if the parties are geographically scattered. But with electronic signatures, that is not the case. Geographical barriers do not play a role. Documents which earlier needed days to be completed, can now be signed and sent back within minutes, in the click of a button. Furthermore, it takes a long time to bring assets under management. The time taken by the signing process, if wet ink paper signatures are used, may even further delay the process. But by using electronic signatures, the whole process can speed up.Apart from these, there are many paper prone industries which require huge amount of paperwork and with the use of electronic signatures they can make their everyday processes smoother and more efficient.
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What are the best altcoins (June 2019)?
Litecoin is the best Altcoin to posses. It is the fastest rising cryptocurrency after bitcoin.3 Reasons to Buy LitecoinWe've entered the age of digital currency. Bitcoin has gone from relative obscurity to being a household name. In December 2017, the coin smashed its way through the $19,000 barrier like an angry bull in a china shop.Bitcoin’s dominating presence tends to drown out its contenders. But there are actually quite a few other digital currencies that investors should pay attention to, too.Of these, a handful is poised for dynamic growth. And we published this report to talk about one of the most promising: Litecoin.In 2017, Litecoin skyrocketed alongside many of its digital currency peers, hitting highs near $400 before retreating because of regulatory pressure from many countries.Litecoin was the third currency that investors could purchase on popular digital currency exchange Coinbase. And now, a hyped-up digital currency public has some questions:What is Litecoin?How is it better than Bitcoin?How do you invest?Over the course of this report, we answer those questions. And we start at Litecoin’s humble beginnings...What Is Litecoin?In October 2013, former Google engineer Charles Lee introduced the world to a new altcoin: Litecoin.The coin was introduced as the silver to Bitcoin’s gold, and Lee promised that the digital currency would fix many of Bitcoin’s problems.At the time that this report was written, Litecoin has a market cap of over $9.67 billion. And Litecoin’s technology makes it one of Bitcoin’s most aggressive competitors. If you evaluate the two currencies from the surface, they could be twins because they share dozens of valuable characteristics.Like Bitcoin, Litecoin was created to provide a peer-to-peer transaction system. It allows individuals to make payments or transactions anywhere in the world with relatively low fees.And like Bitcoin, Litecoin is decentralized. There's no centralized authority, building, or headquarters for it. The currency flows freely on the internet.What this means is it's far more secure than paper currency. Because no government can regulate or overproduce it, Litecoin’s value rests in the hands of the people.Like almost all digital currencies, litecoins are produced through a process called “mining.”Miners use computers to process Litecoin transactions, which are presented as algorithms that the computers must solve.When the computers solve the problems, more litecoins are added to the network and the miners are rewarded with their shares.There is a fixed amount of litecoins in the world — the volume of litecoins can never exceed $84 million. After we signNow that point, the currency has the ability to be broken down into minute payments.The mining process and the currency’s finite cap shield Litecoin against hyperinflation.Bitcoin, like Litecoin, also has a finite supply, is produced by mining, and is a money for the people. That being said, there are some ways in which Litecoin is different from Bitcoin...And it's from those differences that Litecoin gleans its value as a digital currency...Why Litecoin Is UniqueBitcoin was the first digital currency in the world, and that has given it a leg up on the competition. But Bitcoin’s early arrival is also the source of many of its shortcomings.Today, the developers behind major digital currencies have identified Bitcoin’s weaknesses and have altered their currencies to fix the issues.This means that even though Bitcoin was the first one to use certain technologies — specifically a groundbreaking technology called blockchain — the currencies that followed might use the technology more efficiently...1. The Better BlockchainBlockchain technology is the foundation of all digital currencies. Envision it like this...Every time a transaction or exchange happens in a digital currency network, the information involved with that transaction is recorded in a “block.” Each of these blocks is added to the continuously growing blockchain.Anyone on the network has access to the information in the blockchain. This means that transactions are public knowledge, even if the users remain anonymous. Users are only tied to the transactions taking place on the blockchain through an electronic signature that offers a fair degree of anonymity. This framework also makes digital currency very secure.Even though both Litecoin and Bitcoin use blockchain technology, Litecoin has a far faster transaction speed with a transaction being confirmed every 2.5 minutes, compared to the 10 minutes it takes to confirm a Bitcoin transaction.This appeals to both users and merchants who want faster transactions.With Litecoin, you get both security and speed.And this speed just kicked up a notch.On May 10, 2017, Segregated Witness (SegWit) was activated in the Litecoin blockchain. SegWit is the process in which blocks in the blockchain are made smaller by the extraction of signature data from transactions.This process allows Litecoin to process lightning fast payments.The first of these payments happened on May 11, 2017. Money was sent from Zurich to San Francisco in under a second.But Litecoin is valuable because of more than just its speed. It also has widespread consumer appeal...2. A Love of Rounded NumbersIn the world of digital currency, the number of coins that can exist is finite. There can never be more than a certain amount of bitcoins in the world, and the same applies to litecoins. But the total amount of coins that can exist varies by digital currency.This actually works in Litecoin’s favor. Litecoin will eventually have more coins on the market than Bitcoin. And that appeals to consumers who want a simple, effective digital currency.A study by Dr. Judith Holdershaw, a senior lecturer at Massey University, concluded that 57% of retail shoppers opt for a product with a rounded price. Even more telling, 4% of those customers paid more just to round up the price. The proof is in the pudding: People like to pay with full numbers.This could explain our aversions to pocket change and loose bills.Because there will be fewer bitcoins in circulation, they will have to be broken down into decimals. That means you will end up paying 0.002 BTC for a cup of coffee.Since more litecoins can be on the market than bitcoins, it's more likely that people will be able to buy commodities with whole numbers...3. Simpler AlgorithmOutside transaction speed and volume, there's another key difference between the two currencies: the algorithms.For those of you who are completely new to digital currency, digital currencies are composed of codes.In the case of Bitcoin and Litecoin, those codes use two different algorithms.Bitcoin uses the SHA-256 hashing algorithm, and Litecoin uses a scrypt-hashing algorithm.Now, both of these algorithms are powerful. But over the years, the SHA-256 has made it more and more complex to get bitcoins through the mining process. Bitcoin miners have to employ increasingly complex technology to extract a relatively small amount of bitcoins.Litecoin’s scrypt-hashing algorithm makes it easier for miners to access the system.And the simplicity of Litecoin mining could actually steal Bitcoin miners. It's true that Bitcoin is worth signNowly more than Litecoin, but most Bitcoin mining is carried out by supercomputers. The algorithms have become too hard for everyday miners to crack.This means that many miners who are tired of struggling over Bitcoin may end up transitioning over to Litecoin...How to InvestIt's clear that Litecoin will be a powerful digital currency. Of course, it’s still too early in the game to speculate on what tender will win the digital currency race.In fact, there could be no winner. The future financial system could operate through the use of dozens of digital currencies. And Litecoin will likely be one of them.
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Should I buy top coins (ETH, LTC, BCH, XRP, etc.) now (September 2019) instead of buying BTC?
I think you buy those other coins at your own peril. Litecoin went from a high of over $300 and then crashed with all the others. Only bitcoin is regaining a major share of its previous high. Litecoin recovered up to $140 and was supposed to do well with the halving. The only ‘halving’ occurred on its price as it is now in the $70’s. (now $65) Its manager said no new development has been going on for months now.XRP is an investment ‘joke’ as it is designed to be a stable coin so how will that appreciate for you in the future? It had a high of $3 and now less than a tenth of that. 10% recove...
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How did Brian Roemmele become a payments expert?
Warning: I Am Not An Expert In Anything. I Am And Always Will Be A Student.My Payments Experience Is Completely And Utterly An Accident. I know not how to say this in a few words but it may be an interesting journey to share with you.A Nerd, A Geek And The Dreams Of Being A ScientistIt was all an accident while I was on my way to becoming a scientist. That dream got delayed. I was studying Quantum Physics and on the other end Astro Physics. This started as a university level course while a sophomore in High School. At the same time I was rather excited by electronics that start...
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Which are the best companies for outsourcing software product development?
Many outsourcing companies get their talents from the top outsourcing destinations, mostly from Asia. One of which is the Philippines, a consistent lead outsourcing destination for years. Once dubbed as the “BPO Capital of the World”, the Philippines is home to a large pool of IT professionals.This is the reason why I set up my software development company. I believe the availability of highly skilled tech talents in the Philippines is a solution to the IT shortage in the UK and the US. I have met wonderful and simply talented people at my company Cloud Employee.Cloud Employee offers developers adept in several technologies. Check our services for a full list. The cheap labor the country offers equates to a more cost-efficient service price. Cloud Employee makes it possible to save up to 65%. Don’t believe me? Check our pricing.Aside from the available talent, what makes Cloud Employee stand out from the rest is the flexible hiring process and free trial. We let our clients be in full control of selecting which developer passes their standards. Of course, we make sure that the selection is in line with or exceeding their requirements. Clients also get a free trial to test the developers and to also have a glimpse of how we work at Cloud Employee. Know more about how we work.I’m proud to share that Cloud Employee has served several tech startups, SMEs, and even large IT firms in the UK, the US, and Australia. See what our past and current clients say about Cloud Employee.While you’re getting to know us, here are some helpful reads from our blog:7 Reasons Why You Should Bootstrap Your BusinessPH Remains Top Outsourcing Provider Despite Rising CompetitionTrump’s H-1B Reforms and What They Mean for Tech CompaniesCloud Employee Offers Alternative in the Midst of UK Hiring CrisisWhat To Expect From Big Tech Brands This 2018
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What is the main purpose of solar panels? How do they work?
You have some others but here is another stab at visualizing it... Solar panels have, as the main material facing the sun, semiconductor material. Mostly you see Silicon Wafer based panels (the blue tinted, square that, in groups of 60 or 70 or more make up the signature look of a solar panel is a coated slice of silicon). Other elements and groups of elements from that area in the Periodic Table all have a handy feature: they have the ability to sometimes conduct and sometimes resist the flow of electricity. Which way they go depends on how many electrons are present and where they are. ("Semi-conductor" makes sense as a name for these lovable weirdos, right?)What it means to be a conductor (deep down) is that the material has a group of electrons that can move from atom to atom. It can pass a charge. That is what conduction is. But in order to be passed about, the electrons need to be there and to be up in the outside layer (remember atoms have nested layers of electrons, each layer held with a different intensity). Here is where the photons of sunlight come into play. They (or certain of them) pass into the semiconductor material and if their energy level is right (their bandgap or light freqency) they can kick an electron up into a higher level for conduction and with millions of them you have an electric charge. In that moment the photon vanishes and its energy is now present in the higher position of the electron... Having a bunch of electrons jacked up to higher positions relative to the rest of the environment = voltage.When the solar income is high enough... then this "electron pressure" in the conductive layers is moving enough to do work... Meanwhile the electrons are replenished (they are everywhere and interchangeable as long as you don't mind starting with them at low energystates.) The cell therefore takes the low energy state electrons from the ground and holds them in the semiconductor's crystalline structure to be bumped up to the conductive layer and off to do work. Repeating at furious rate until the sun goes down or a shadow is cast over the panel and the process stops.Energy is not created here in this process, it is just transformed from screaming-fast photons of light into electrons "farther from" a ground.Interestingly, you can run solar cells backwards: If you drive electrons into the semiconductor they will emit light. This is the basis of LEDs... Electrons in - Light out. Not much light, but enough that it can be used to see how well made the panel is (it shows cracks and such). This ability to emit light can be a loss mechanism for the panel (and the array it is a part of) if they did not include one or more diodes to block the reverse voltage that happens when the flood of photons stops for any areas of the photovoltaic material.
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