--- title: The Rippleshot Data Breach Blog | Marci McCalmon description: Vice President of Operations --- [![Rippleshot_logo-432x144](https://info.rippleshot.com/hs-fs/hubfs/Brand%20Logos/Rippleshot_logo-432x144.png?width=200&name=Rippleshot_logo-432x144.png)](https://rippleshot.com/) - Solutions - [Sonar for Card Processors](https://rippleshot.com/sonar-card-processors/) - [Sonar for Card Issuers](https://rippleshot.com/sonar/) - [Rules Assist for Card Issuers](https://rippleshot.com/rules-assist/) - [About Us](https://rippleshot.com/about) - [Careers](https://rippleshot.com/careers) - [Press](https://rippleshot.com/press/) - [Blog](https://info.rippleshot.com/blog) - [Contact Us](https://rippleshot.com/contact-us) - [Knowledge Center](https://rippleshot.com/knowledge-center) ![Rippleshot_Blog_Image](https://info.rippleshot.com/hs-fs/hubfs/Rippleshot_Blog_Image.png?width=3000&name=Rippleshot_Blog_Image.png "Rippleshot_Blog_Image") # Rippleshot Blog ## Marci McCalmon ![](https://info.rippleshot.com/hubfs/Headshots/Marci_McCalmon_Headshot.jpg) Vice President of Operations Find me on: ### Recent Posts ## [The Pros and Cons of Instant Card Reissuance](https://info.rippleshot.com/blog/the-pros-and-cons-of-instant-card-reissuance) Posted by [Marci McCalmon](https://info.rippleshot.com/blog/author/marci-mccalmon) on Apr 20, 2016 4:01:47 PM - [Tweet](https://twitter.com/share) ![AdobeStock_94413086-3.jpeg](https://info.rippleshot.com/hs-fs/hubfs/AdobeStock_94413086-3.jpeg?width=600&height=395&name=AdobeStock_94413086-3.jpeg "AdobeStock_94413086-3.jpeg") “I want it all… I want it all… I want it all… And I want it NOW!” –Queen Instant card issuance is the banks’ and credit unions’ ability to create debit, credit, prepaid and ATM cards right at the branch location, providing a new card instantly to the customer that can be used immediately.  Instant card issuance might not have been what Queen’s guitarist Brian May had in mind when he wrote “I Want It All” for Queen, but I think it applies. Fiserv recently produced a report on “[The Role of Instant Card Issuance in Customer Satisfaction and Use](https://www.fiserv.com/ext/Fiserv_Instant_Issue_Point_Of_View.pdf?webSyncID=2b0e727b-02a7).” Let’s use Fiserv’s report and May’s lyrics to dig in deeper on the many advantages and one big disadvantage to instant card issuance. [Read More](https://info.rippleshot.com/blog/the-pros-and-cons-of-instant-card-reissuance) 0 Comments [Click here to read/write comments](https://info.rippleshot.com/blog/the-pros-and-cons-of-instant-card-reissuance#comments-listing) Topics: [Fraud](https://info.rippleshot.com/blog/topic/fraud) ## [Encryption vs Tokenization: What's the Difference?](https://info.rippleshot.com/blog/encryption-vs-tokenization-whats-the-difference) Posted by [Marci McCalmon](https://info.rippleshot.com/blog/author/marci-mccalmon) on Feb 24, 2016 1:16:36 PM - [Tweet](https://twitter.com/share) ![Encryption.jpg](https://info.rippleshot.com/hs-fs/hubfs/Blog_and_Social_Images/Encryption.jpg?width=600&height=388&name=Encryption.jpg "Encryption.jpg") For thousands of years, humans have created secret codes to protect important information from others. Military secrets, formulas to create goods like silk, and personal information are seen throughout history as being masked to communicate so unintended recipients could not read the message.  There are two main ways to communicate information in secret; tokenization and encryption. The terms tokenization and encryption are often interchanged, yet they actually have very specific definitions. Let’s dig in deeper to find out more about the differences between the two. [Read More](https://info.rippleshot.com/blog/encryption-vs-tokenization-whats-the-difference) 0 Comments [Click here to read/write comments](https://info.rippleshot.com/blog/encryption-vs-tokenization-whats-the-difference#comments-listing) Topics: [Fraud](https://info.rippleshot.com/blog/topic/fraud) ## [Three Data Breach New Year's Resolutions](https://info.rippleshot.com/blog/three-data-breach-new-years-resolutions) Posted by [Marci McCalmon](https://info.rippleshot.com/blog/author/marci-mccalmon) on Jan 5, 2016 6:00:00 AM - [Tweet](https://twitter.com/share) ![2016_TDL-309247-edited.jpg](https://info.rippleshot.com/hs-fs/hubfs/Blog_and_Social_Images/2016_TDL-309247-edited.jpg?width=600&height=413&name=2016_TDL-309247-edited.jpg "2016_TDL-309247-edited.jpg") As we start 2016 off, is security against data breaches on your company’s new year’s resolutions list? Over [750 data breaches were reported in 2015](http://www.idtheftcenter.org/images/breach/ITRCBreachStatsReportSummary2015.pdf) and we will likely see an increase in quantity as well as impact in 2016. Experian recently released their annual [Data Breach Industry Forecast](http://www.experian.com/data-breach/2016-data-breach-industry-forecast.html) and while breaches are expected to increase, who they are targeting and their methods are expected to change. Based on this report, we’ve created a helpful list of three things to add to your company’s new year’s resolutions for 2016. [Read More](https://info.rippleshot.com/blog/three-data-breach-new-years-resolutions) 0 Comments [Click here to read/write comments](https://info.rippleshot.com/blog/three-data-breach-new-years-resolutions#comments-listing) Topics: [Industry News](https://info.rippleshot.com/blog/topic/industry-news), [Data Breach Statistics](https://info.rippleshot.com/blog/topic/data-breach-statistics) [All posts](https://info.rippleshot.com/blog/all) ### Learn More About Rippleshot [![](https://embed-ssl.wistia.com/deliveries/4ffe0c4886f163639d848844ae57bb91cd3a42a9.jpg?image_play_button=true&image_play_button_color=4cacd7e0&image_crop_resized=300x168)](https://fast.wistia.net/embed/iframe/6c1d59sfj1?popover=true) ### Get Rippleshot Articles Via Email ### Most Popular Posts ### Posts by Topic - [Fraud (111)](https://info.rippleshot.com/blog/topic/fraud) - [Industry News (97)](https://info.rippleshot.com/blog/topic/industry-news) - [Data Breach Ripples (71)](https://info.rippleshot.com/blog/topic/data-breach-ripples) - [Compromises (37)](https://info.rippleshot.com/blog/topic/compromises) - [E-Commerce (30)](https://info.rippleshot.com/blog/topic/e-commerce) - [Data Analytics (29)](https://info.rippleshot.com/blog/topic/data-analytics) - [EMV (28)](https://info.rippleshot.com/blog/topic/emv) - [Cybersecurity (26)](https://info.rippleshot.com/blog/topic/cybersecurity) - [Data Breach Statistics (20)](https://info.rippleshot.com/blog/topic/data-breach-statistics) - [Rippleshot News (15)](https://info.rippleshot.com/blog/topic/rippleshot-news) - [Machine Learning (12)](https://info.rippleshot.com/blog/topic/machine-learning) - [Regulation (12)](https://info.rippleshot.com/blog/topic/regulation) - [Lawsuits (10)](https://info.rippleshot.com/blog/topic/lawsuits) - [Data Breach Legislation (8)](https://info.rippleshot.com/blog/topic/data-breach-legislation) - [Payments (7)](https://info.rippleshot.com/blog/topic/payments) - [ATM (3)](https://info.rippleshot.com/blog/topic/atm) - [CFPB (3)](https://info.rippleshot.com/blog/topic/cfpb) - [Friendly Fraud (2)](https://info.rippleshot.com/blog/topic/friendly-fraud) - [ACH (1)](https://info.rippleshot.com/blog/topic/ach) - [Cryptography (1)](https://info.rippleshot.com/blog/topic/cryptography) - [PCI (1)](https://info.rippleshot.com/blog/topic/pci) [![R_reversed](https://info.rippleshot.com/hs-fs/hubfs/R_reversed.png?width=109&name=R_reversed.png)](https://rippleshot.com) © Copyright 2020 Rippleshot. 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