The Giro d'Italia (Italian pronunciation:; English:; also known as the Giro) is an annual multiple-stage bicycle race primarily held in Italy, while also starting in, or passing through, other countries. The first race was organized in 1909 to increase sales of the newspaper La Gazzetta dello. The Giro d'Italia or Tour of Italy bike race is famous for the pink jersey worn by the race leader.' Castelli returns to the Giro d'Italia as the provider of the iconic pink jersey and other race leader jerseys. Explore the collection today.
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| Giropay | |
| Type: | private |
| Industry: | Banking |
| Founder: | Deutsche Postbank |
| Num Locations: | 1,500 German Banks |
| Area Served: | Germany |
Giropay is an Internet payment System in Germany, based on online banking. Introduced in February 2006, this payment method allows customers to buy securely on the Internet using direct online transfers from their bank account. The system is similar to the DutchiDEAL payment system, the Interac Online service in Canada, pagomiscuentas[1] payment service in Argentina, and Secure Vault payments[2] in the United States. Giropay is owned by giropay GmbH.
Transaction Volume
By May 2007 more than 100 million euro in purchases had been made.[3]
In 2008, the system processed 3.2 million transfers, with the transactions made totalling 185 million Euros.[4]
Over one million such transactions are processed every month.[3]
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Scope
Most German Sparkassen and cooperative banks are participating in Giropay. However, the number of participating banks from the private sector is limited. In this sector, the only major participating bank is Deutsche Postbank. Nevertheless, Giropay has a reach of about 17 million German online banking customers,[5] and about 60% of all commercial bank accounts.[3] That number means the participating banks are serving the vast majority of the German online banking market.
Process
Giropay offers merchants a real-time payment method (publicized as virtually risk-free) to accept internet payments. For customers, Giropay uses the same environment as their banks' online banking sites. The level of security depends on the participating bank. Some German Banks offer two-factor authentication (2FA), such as a challenge-responseaccess token based on the chip embedded in the debit card or ATM card. Others, however, offer simpler PIN and TAN based online banking services. No sensitive information is being shared with the merchant, such as credit card or Giro account numbers. There is no chargeback right however, which can be considered a disadvantage for the consumer using this payment method. This is considered an advantage to the merchants.
Giropay works as follows:
- Merchant offers Giropay as payment method, often in addition to the regular credit card payment options
- Consumer selects Giropay and selects their bank
- Consumer is redirected to their bank's login page
- Participating bank displays transaction data
- Customer enters account number, PIN, and either:
- A remittance slip is sent to the customer for confirming the transaction, containing a TAN (transaction number). The customer enters this number to confirm the transaction.[3]
- The customer signs the transaction digitally using a 2FA token (if their bank offers that service)
- Bank authorizes transaction in real-time, deducting the amount directly from the consumer's account (if there is not enough balance, the transaction will be refused)
- Merchant received real-time confirmation of the payment by the bank
- Consumer is redirected back to the merchant page with a confirmation that the payment has been successful
Payments are guaranteed for amounts up to 5000 euros.[3]
Costs
Costs are calculated on a per transaction basis and decrease with transaction volume or value. The NetBanx payment gateway quotes figures from 1.2% to 0.9%, plus 0.08 € per transaction.[3]
See also
- Elektronisches Lastschriftverfahren, a German direct debit system
- Directebanking.com, a similar German online payment system 'with European aspirations'[3]
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References
- Explanation of Payment Systems, PDF document distributed by NetBanx
- http://www.giropay.de/index.php?id=464 2008 processing figures
- Web site: Giropay press release, August 7, 2006. . January 1, 2010 . https://web.archive.org/web/20110719033054/http://www.giropay.de/uploads/media/giropay_Pressemeldung_2006-007_02.pdf . July 19, 2011 . dead .
This article is licensed under the GNU Free Documentation License. It uses material from the Wikipedia article 'Giropay'.
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www.cyclingnews.comNew pink jersey downplays Etna dominance
Alberto Contador (Saxo Bank-SunGard) may have seemed like he was from another planet on the slopes of Mount Etna on stage 9 of the Giro d’Italia, but the new maglia rosa delivered his opinions on the day’s events in rather less celestial surroundings.
He faced the media in an impromptu press conference held under a gazebo next to the finish line, with reporters huddled around a beaming Contador, wrapped up against the wind. After such an exhibition of dominance, the question on everyone’s mind was a simple one – is the Giro d’Italia already over?
“No, the Giro has just started,” Contador insisted politely. “It’s really hard and anything could happen in this race.”
With his prime challengers Vincenzo Nibali (Liquigas-Cannondale) and Michele Scarponi (Lampre-ISD) 1:21 and 1:28 behind, respectively, the Spaniard is not yet out of sight, especially with such a demanding two weeks still to come.
However, the ease with which he ripped clear of the group of favourites and the emphatic way in which he deposited Scarponi from his back wheel were proof that Contador is on song, even if his post-race comments were typically low-key.
“I’m very happy as I showed I have good legs,” he said. “It was risky, but it went well.”
The climb of Etna is by no means the most demanding of this Giro, with the opening half of the haul to the summit little more than a lengthy drag. As Lampre-ISD pulled the group of favourites up from the base of the volcano, Contador knew that he would have to bide his time before looking to snap the elastic.
“I was keeping an eye on Scarponi,” Contador said. “I knew that I would have to attack between the 8km to go mark and 5km to go.”
And so it came to pass. With a little of 6km to race, Contador duly surged to the front of the group of favourites. Scarponi bravely – or foolishly, depending on how you look at it – attempted to follow, grinding a big gear, but ultimately he wilted under the ferocity of Contador’s acceleration.
While Jose Rujano (Androni Giocattoli) put up stout resistance until the final steep pitch to the top, Contador paid him little heed, and was to all intents and purposes alone against the mountain and the rising winds.
“It was a very risky climb because there was a very strong wind,”
Contador explained.Pistolero no more?
Contador kept his emotions largely in check on crossing the line, with the trademark pistolero gesture conspicuously absent. When quizzed after the finish, however, he explained that there was no mystery as to why the pistol stayed in its holster – he simply didn’t know if he was at the head of the race.
“I didn’t know if there were still some riders ahead of me,” he smiled. “I didn’t think about the pistol at all but I hope to be able to do it another day.”
Regardless of what he knew about his position on the road, Contador must have known that he was riding into the overall lead as soon as he felt his rear wheel wriggle clear of Scarponi’s grasp.
“I hadn’t thought about taking the pink jersey today,” he said. “The important thing was to try and make they difference on the rest of the riders. From the day after tomorrow, anything could happen with this maglia rosa.”
Looming over Contador’s Giro, of course, is the spectre of the Court of Arbitration for Sport’s deliberations over his positive test for Clenbuterol at last year’s Tour de France. With a decision not expected until June, Contador is free to race and he dedicated his win on Etna to those who have supported him since news of the case broke last September.
“The support of my fans has been incredible, they are the ones who gave me the strength to continue training,” he said. “I also dedicate it to my family, who has lived everything I have gone through at close quarters and to my team, which has supported me in the best way possible.'
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congratulations to Alberto. very beautiful victory