4Word Reference Guide - Amazon Web Services · 2019-07-24 · For example, there is a hotel that is...

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Reference Guide

Copyright © 2019 Shift4 Payments, LLC. All rights reserved.

4Word ®

Copyright Notice Shift4 Payments 1491 Center Crossing Road Las Vegas, NV 89144 702.597.2480 www.shift4.com [email protected]

Document Title: 4Word Reference Guide

Publication Date: July 19, 2019

Copyright © 2019 Shift4 Payments. All rights reserved worldwide. *Universal Transaction Gateway® (UTG®), Lighthouse Transaction Manager, 4Go®, i4Go®, and 4Word® are covered by one or more of the following U.S. Pat. Nos.: 7770789; 7841523; 7891563; 8328095; 8688589; 8690056; 9082120, 9256874, 9495680. All trademarks, service marks, product names, and logos are the property of their respective owners. Shift4 Payments may have patents, patent applications, trademarks, copyrights, or other intellectual property rights covering subject matter in this document. The furnishing of this document does not give any license to these patents, trademarks, copyrights, or other intellectual property except as expressly provided in any written license agreement from Shift4 Payments. All graphics are property of Shift4 Payments. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means without prior written permission of Shift4 Payments. The contents of this publication are the property of Shift4 Payments. Shift4 Payments reserves the right to revise this document and to periodically make changes to the content thereof without any obligation or notification to any organization of such revisions or changes unless required to do so by prior written agreement. Notice of Confidentiality By using this document, the recipient is hereby informed that this document may contain information that is proprietary to and/or a trade secret of Shift4 Payments. It carries the Shift4 Payments classification “Public.” As such it may be used by anyone with the stipulation that it is provided for the sole purpose of specifying instructions for the Shift4 Payments products contemplated herein. The recipient agrees to maintain this information in confidence, not reproduce or otherwise disclose this information, and only use this document for none other than its intended purpose. Notice to Governmental End Users If any Shift4 Payments product is acquired under the terms of a Department of Defense contract: use, duplication, or disclosure by the US Government is subject to restrictions as set forth in subparagraph (c)(1)(ii) of 252.227.7013. Civilian agency contract: use, reproduction, or disclosure is subject to 52.227-19 (a) through (d) and restrictions set forth in the accompanying end user agreement. Unpublished rights reserved under the copyright laws of the United States.

4Word Reference Guide

© 2019 Shift4 Payments, LLC. All rights reserved. External Use NDA

Version 1.4 Page 2 of 22

Using the 4Word Reference Guide If you are reading this document, there is a good chance you have already received an invitation to use 4Word® from a merchant who is a Shift4 Payments customer. If so, this document is for you! If not, this document is still helpful and can assist you in determining if 4Word would help you process transactions with other businesses.

The 4Word Reference Guide provides information and instructions on the following topics:

• Registering and configuring your account • Connecting to a merchant who is a Shift4 Payments customer • How delegates can be created and used • How to exchange data in your 4Word account

Introduction to 4Word 4Word is a secure, controlled method for sharing cardholder data (CHD) with an authorized third party.

4Word does this by enabling a business to process a charge using shared information without directly exchanging CHD via email, telephone, etc.

For example, there is a hotel that is a Shift4 Payments customer. A guest at the hotel would like flowers delivered to their room, so the hotel concierge uses the property management system (PMS) to request four words or a TrueToken® (which references the guest’s real CHD) from Lighthouse Transaction Manager. The information will be displayed to the concierge on the PMS. Then, the concierge places an order with a florist and shares the four words or TrueToken as the form of payment. If the florist is a Shift4 Payments customer too, they can charge the guest in Lighthouse Transaction Manager using the four words or TrueToken – there is no need for the real CHD. If the florist isn’t a Shift4 Payments customer, they can use the 4Word web app to exchange the four words or TrueToken for the real CHD. Once they have the real CHD, they can use it to process a charge according to their own business practices.

The Example of Using 4Word section displays a diagram that outlines another popular use case. For more information, see https://www.shift4.com/hospitality.




https://www.shift4.com/hospitality

Example of Using 4Word Another example might be a hotel brand with a Shift4 Payments account. Let’s say the hotel brand has a central reservation system for hotels that are located in multiple countries. If a full Shift4 Payments account is not available in some of the locations, the hotel can still process transactions using the 4Word web app. The hotel brand with the Shift4 Payments account can send 4Word invitations to locations where a Shift4 Payments account is unavailable, allowing them to process charges.

Clerk

Cardholder

3. Clerk receives the four words or TrueToken.

4. Clerk logs in to the 4Word web app, enters the four words or TrueToken, and completes the visual verification if multifactor is not enabled. Then, 4Word retrieves and displays the CHD.

Central Reservation

System(CRS)

1. Cardholder makes a reservation through a hotel brand’s Central Reservation System.

2. Clerk requests four words or TrueToken® to charge a cardholder, who is a no-show.

5. The clerk uses the detokenized CHD to process a transaction on a POS/PMS according to their business practice.




Registering for a 4Word Account This section is for merchants who would like to register for a 4Word account, and merchants can register even if they have not received an invitation from a Shift4 Payments customer yet! Registering early will allow merchants to use 4Word faster once connections are made with Shift4 Payments customers.

To register for a 4Word account, complete the following steps:

Requirement: You must receive an invitation from a merchant who is a Shift4 Payments customer before you can exchange four words or a TrueToken for CHD in the 4Word web app.

1. Navigate to https://www.4words4card.com. 2. In the User Sign In section, click Create an account. 3. In the User Registration section, enter the following information:

Note: Required fields are indicated by a red asterisk.

• (Optional) Username – This will be the username you enter when signing in to your 4Word account. If you do not enter one, a username will be assigned based on your first name.

• Email Address – This will be the email address bound to your 4Word account. • Email Verification – Reenter your email address. • Password – Enter a password that will be hard for others to guess, but easy for you to remember. Your

password needs to be at least seven characters long and contain at least two of the following character groups:

o Uppercase letter (A-Z) o Lowercase letter (a-z) o Number (0-9) o Punctuation (any special characters not specified above, like !)

• Password Verification – Reenter your password. • First Name – Your first name. • Last Name – Your last name. • (Optional) Title – Your job title. • Company Name –Your company’s name. • (Optional) Address Line 1 – Your company’s address. • (Optional) Address Line 2 – Additional address information for your company, such as a suite number. • (Optional) City – City in which your company is located. • (Optional) State or Province – State or province in which your company is located.




https://www.4words4card.com/

• (Optional) Postal Code – Postal code in which your company is located. • Country – Country in which your company is located. • Phone – Your company’s phone number. Also, select what type of phone number from the list: Mobile,

Work, or Home. • Locale – Your company’s locale (i.e., preferred language based on its location). • (If applicable) Invite Certificate – If you have received an invitation from a merchant who is a Shift4

Payments customer, enter the block of code provided in your invitation email.

4. Click Register.




5. In the Verification Code field, paste the code and click Verify.

Exploring Your 4Word Account When you sign in to your 4Word account for the first time, a number of menu options are displayed. The options are discussed in detail below.

• Home – When you sign in to your account, the Home page is selected and displayed by default. The Home page is where you will see the merchant account(s) available to you. It is also where you will enter the four words or TrueToken to exchange that data for the real CHD.

• My Account – The following options are displayed in the My Account menu option:

o My Profile – Selecting this option directs you to the My Profile section. This is where you can edit your profile information, change your email address, change your password, and manage your account’s multifactor authentication settings.

o Connections – Selecting this option directs you to the Connections section. This is where you can view the merchant(s) you are currently connected to and add or delete any merchant(s) as needed.

o Delegates – If enabled for your account, selecting this option directs you to the Delegates section. This is where you can add, edit, or delete delegates for your account. See the Creating and Using Delegates section for more information.

o Sign Out – Selecting this option will securely sign you out of 4Word. For security purposes, it is always recommended to sign out of your account rather than simply closing the browser.

• Help – The following options are displayed in the Help menu option:

o 4Word Reference Guide – Selecting this option will open the document you are currently reading. o About 4Word – Selecting this option directs you to the About section which lists patent information.

In addition, the version number of 4Word you’re accessing is listed. If you ever call the Shift4 Payments Customer Support team for assistance with 4Word, they may ask for the version number.

o About Shift4 – Selecting this option directs you to the Shift4 Payments website where you can read about the Shift4 Payments story and explore the many products and benefits offered by Shift4 Payments.

o Contact Us – Selecting this option directs you to the Shift4 Payments website where you will find the contact information for the various Shift4 Payments departments, such as sales, accounting, support, and installations.




Receiving Invitations and Connecting to Merchants in 4Word While you can register for a 4Word account at any time, you must receive an invitation from a merchant who is a Shift4 Payments customer before you can connect to that merchant and exchange four words or a TrueToken for CHD using 4Word. In addition, you can receive invitations from any merchant who is a Shift4 Payments customer.

Once you have received an invitation from a merchant who is a Shift4 Payments customer, you will need to connect to the merchant in the 4Word web app.

To make a connection in 4Word using your invitation email, complete the following steps:

1. Navigate to https://www.4words4card.com. 2. Sign in to your 4Word account. 3. From the menu, select My Account > Connections. 4. In the Connections section, click Create.

5. In the 4Word email, copy the block of code below the Your Certificate section. (Do not include the border lines when copying.)

6. In the Create Connection window, paste the code into the Invite Certificate field.

7. Click Create Connection.





Changing Your Profile in 4Word To change information in your profile, complete the following steps:

1. Navigate to https://www.4words4card.com. 2. Sign in to your 4Word account. 3. From the menu, select My Account > My Profile. 4. The My Profile section contains four tabs. For directions on each tab, see the applicable section:

• General tab – Changing Your General Information • Email tab – Changing Your Email Address • Password tab – Changing Your Password • Authenticator tab – Managing Multifactor Authentication

Changing Your General Information

To change the general information associated with your user account, such as address or phone number, complete the following steps:

1. In the My Profile section, click General. 2. Edit any of the fields (except Username). 3. After you have made your changes, click Save Changes.

Changing Your Email Address

To change your email address, complete the following steps:

WARNING! All connections are bound to an email address. If the connections you have are bound to your current email address, changing it will break your connections. If you must change your email address, you must be invited to use 4Word again with your new email address.

1. In the My Profile section, click Email. 2. In the Password field, enter your password. 3. In the New Email field, enter your new email address. 4. In the Email Verification field, reenter your new email address. 5. Click Update. 6. An email will be sent to the email address entered. It will include a verification code. Copy the verification

code. 7. In the Update Email Address window, complete the following steps:

• Paste the code into the Verification Code field. • Click Update.





Changing Your Password

Your password needs to be at least seven characters long and contain at least two of the following character groups:

• Uppercase letter (A-Z) • Lowercase letter (a-z) • Number (0-9) • Punctuation (any special characters not specified above, like !)

To change your password, complete the following steps:

1. In the My Profile section, click Password. 2. In the Current Password field, enter your current password. 3. In the New Password field, enter your new password. 4. In the Confirm New Password field, reenter your new password. 5. Click Update.

Managing Multifactor Authentication

Multifactor authentication allows you to add and manage two-factor authentication, which requires separate methods of authentication from different sources to verify a user’s identity. Shift4 Payments encourages all users to step up to two-factor authentication, especially administrator-type users.

If you are required to use two-factor authentication by the merchant who sent the 4Word invitation to you, or you would like to simply step up and take advantage of the security benefits of two-factor authentication, this section will guide you through the process.

With two-factor authentication, a dynamic, six-digit passcode is required to access the 4Word web app (in addition to your sign in credentials). If you are using an iOS or watchOS device, the passcode is generated by the Shift4 Authenticator app downloaded and installed on your device. If you have an Android device, use the Google Authenticator app downloaded and installed on your smartphone or tablet.

Consequently, this is a more secure way to verify your identity as the passcode is dynamic and can only be obtained from the authenticator app on your device.

Important: If the merchant who sent you an invitation to use 4Word required multifactor authentication, you will not be able to exchange four words or a TrueToken for CHD for that merchant until you have set up multifactor authentication.




When Multifactor Authentication Is Required

If the merchant who sent you an invitation to use 4Word required multifactor authentication, you will not be able to exchange four words or a TrueToken for CHD for that merchant until you have set up multifactor authentication.

You can sign in to your 4Word account and see your connection under My Account > Connections, but you will not see the account on your Home page until you set up multifactor authentication.




Adding an Authenticator

To add an authenticator to your 4Word account, complete the following steps:

Requirement: You must first download an authenticator app on your smartphone or tablet.

1. Navigate to https://www.4words4card.com. 2. Sign in to your 4Word account. 3. From the menu, select My Account > My Profile. 4. In the My Profile section, click Authenticator. 5. Follow the instructions in the Multifactor Authentication section. 6. Enter your Password and the Passcode. 7. Click Add Authenticator. 8. Your reset code will be displayed. Write the code down and store it in a secure location, like a safe or vault.

Requirement: You must write the reset code down and store it in a secure location. Do not store the reset code on your device because you will be required to provide it to remove the authenticator if your device is damaged, lost, or stolen.

9. After you have written the code down and stored it in a secure location, the process is complete. Click Ok, I wrote it down to close the window.





Removing an Authenticator

WARNING! Some connections may require the authenticator feature. Removing the authenticator may break the connection.

To remove an authenticator from your 4Word account, complete the following steps:

1. Navigate to https://www.4words4card.com. 2. Sign in to your 4Word account. 3. From the menu, select My Account > My Profile. 4. In the My Profile section, click Authenticator. 5. Enter your Password. 6. Click Remove Authenticator. 7. Click OK.

Using Your Reset Code to Remove the Authenticator

When you added the authenticator to your 4Word account, you were instructed to write the reset code down and store it in a secure location because the reset code provides a means to remove the authenticator from your account if your smart device was lost or stolen.

To remove the authenticator using your reset code, complete the following steps:

1. Navigate to https://www.4words4card.com. 2. In the User Sign In section, complete the following steps:

• Enter your Username. • Enter your Password. • Click Sign In.

3. In the Multifactor Authentication window, click Cancel. 4. In the User Sign In section, click the click here link by the Lost My Authenticator content. 5. In the Remove Authenticator window, enter the Reset Code and click Remove Authenticator.






Creating and Using Delegates When sending a 4Word invitation from Lighthouse Transaction Manager, the Account Administrator has the ability to allow the invited user to create delegates. A delegate has the same abilities as the user who created the delegate, except for the ability to create other delegates. Creating delegates provides the following advantages:

• The delegate’s account will have the same connections as the account in which the delegate is created.

Note: Only connections that were created by an Account Administrator with “Allow Delegates” set to “Yes” will be available for delegates when they create their accounts. Connections created with “Allow Delegates” set to “No” will not be visible to delegates.

• The delegate’s account will be able to exchange four words or a TrueToken for CHD for the same accounts as the account in which the delegate is created.

• The delegate’s account will have the same multifactor authentication requirements as the account in which the delegate is created.

• If the account that created the delegate makes a new connection, the new connection is automatically added to the delegate’s account.

• The delegate account can make its own connections that are not automatically added to the account in which the delegate was created.

• Creating delegates provides additional security, since all delegates have their own username and password.

Requirement: Only 4Word users whose 4Word invitation included the ability to allow delegation will see the Delegates menu option (under My Account) and be able to create delegates. You need at least one connection that allowed delegation.

Examples of Using Delegates

Florist Example

Another example might be a local florist with multiple locations working with local hotels. The florist owner (who has a 4Word account that has permission to create delegates) could create delegates for each location. Then, the delegates would have access to all the hotels with which the florist does business.

If one of the delegates works with another nearby merchant who is a Shift4 Payments customer (like a bakery), they could make their own connection to that merchant. This allows them to do business with that merchant, but the other delegates do not get automatically connected since they would probably want to connect to a merchant that is closer to their location.




4Word User 1. A 4Word User who has permission to create delegates does so for clerks at each florist shop.

2. The 4Word Delegates are able to use the same connections as the 4Word User to exchange four words or a TrueToken for CHD.

4Word Delegate A

4Word Delegate B4Word Delegate A

3. One of the 4Word Delegates makes a new connection with a local bakery to send cakes with the flowers.

Hotel Example

Let’s continue with the example in the Example of Using 4Word section. We’ll say the 4Word user was created with permission to create delegates and they do so for several clerks to process charges as needed. All of the connections for the 4Word user’s account would be automatically populated for each delegate account.

4Word User 1. A 4Word User who has permission to create delegates does so for several clerks who need to process no-shows in areas where a Shift4 account is not available.

2. The 4Word Delegates are able to use the same connections as the 4Word User to exchange four words or a TrueToken for CHD. Then, they can use the CHD to process no-show charges according to their business practice.

4Word Delegate C4Word Delegate B4Word Delegate A

Creating a Delegate

To create a delegate for your 4Word account, complete the following steps:

1. Navigate to https://www.4words4card.com. 2. Sign in to your 4Word account. 3. From the menu, select My Account > Delegates. 4. In the Delegates section, click Create Delegate. 5. In the Add Delegate window, enter the following information for the delegate:





• Email – This is the email address the delegate must use when creating their 4Word account. • Company Name – The company name of the delegate. • First Name – The first name of the delegate. • Last Name – The last name of the delegate. • Phone – The phone number of the delegate. • Notes – Any desired notes concerning the delegate. • Click Create.

6. The delegate will receive an email notification. See the Creating a 4Word Account as a Delegate section.

Editing Your Viewing Options for Delegates

To edit how existing delegates are displayed, complete the following steps:

1. Navigate to https://www.4words4card.com. 2. Sign in to your 4Word account. 3. From the menu, select My Account > Delegates. 4. If you have a large number of delegates, you can display 10, 25, 50, or All by clicking and selecting the

desired number. The default number displayed is 10. 5. To edit the columns of information displayed, click and select any or all of the following viewing options:

• ID • Email • Company Name • First Name • Last Name • Phone • Notes • Accepted





Editing a Delegate

To edit an existing delegate, complete the following steps:

1. Navigate to https://www.4words4card.com. 2. Sign in to your 4Word account. 3. From the menu, select My Account > Delegates. 4. Locate the delegate that you want to edit. If you have a large number of delegates, you can perform a dynamic

search by entering any of the following in the Search field:

• Email • Company Name • First Name • Last Name

5. When you have located the delegate you would like to edit, double-click anywhere on the delegate’s row. 6. Edit any of the following items:

WARNING! Changing the email address will cause the user account to which it is bound to lose delegate status and all the functionality that comes with it. If the email address must be changed here, ensure the delegate updates the email address in their account to match.

• Email • Company Name • First Name • Last Name • Phone • Notes

7. Click Update.

Deleting a Delegate

Important: Deleting a delegate does not delete their account. Only the connection is deleted.

To delete an existing delegate, complete the following steps:

1. Navigate to https://www.4words4card.com. 2. Sign in to your 4Word account.






3. From the menu, select My Account > Delegates. 4. Locate the delegate that you want to delete. If you have a large number of delegates, you can perform a

dynamic search by entering any of the following in the Search field:

• Email • Company Name • First Name • Last Name

5. When you have located the delegate you would like to delete, double-click anywhere on the delegate’s row. 6. Click Delete. 7. Click OK.

Creating a 4Word Account as a Delegate

If you have been notified that you have been set up as a 4Word delegate or you have received a 4Word email invitation, you can create your own 4Word account by using the link provided in the 4Word email invitation, or completing the steps outlined in the Registering for a 4Word Account section.

Requirement: When you were made a delegate, an email address was provided for you. You must create your own 4Word account and enter the same email address. If the email addresses do not match, the delegate functionality will not work.

If you already have a 4Word account, the new delegate permissions will automatically work if the email address on your account matches the email address provided during the delegation process.




Exchanging Four Words or a TrueToken for CHD Once you have configured your 4Word account and connected to a merchant who is a Shift4 Payments customer, you can begin to use the 4Word web app to exchange four words or a TrueToken for CHD for each merchant to which you are connected.

To exchange four words or a TrueToken for CHD, complete the following steps:

1. Navigate to https://www.4words4card.com. 2. Sign in to your 4Word account. 3. (If applicable) In the Merchant list, select the merchant who is providing the four words or TrueToken to you. 4. In the Enter Your Four Words or TrueToken field, enter the four words with a space between each word, or

enter the TrueToken.

Note: If you enter a value that the merchant is not configured to exchange, an “invalid token format for the merchant selected” message will be displayed. (For example, if you enter a TrueToken when the merchant is configured to exchange four words.)

5. (If applicable) Complete visual verification if you do not have multifactor authentication enabled. In the CAPTCHA field, enter the characters displayed above the field.

6. Click Detokenize. 7. (If applicable) If you enabled multifactor authentication and your 4Word session has become idle, you may be

required to enter a passcode and click Detokenize. 8. Copy or record the card number displayed in the Retrieved Data section. 9. Process the transaction according to your business practices using the card number as the form of payment.





10. When you are finished with the card number, click Delete/Remove.

Note: For security reasons, the card number is only displayed for 30 seconds at a time. It can be clicked to display the card number again for up to 5 minutes. It is important to note that the Retrieved Data section will display the last three cards viewed until you sign out, click Delete/Remove, or 5 minutes – whichever occurs first.




Appendix A – Resetting Your 4Word Password If you do not remember your password, complete the following steps to reset it:

1. Navigate to https://www.4words4card.com. 2. In the User Sign In section, click Forgot password. 3. In the Account Recovery section, complete the following steps:

• Ensure the Reset Password tab is selected. • Enter your Username. • Click Email Verification Code.

4. An email will be sent to the email address that is bound to the username entered. It will include a verification code. Copy the verification code.

5. In the Email Verification window, complete the following steps:

• Paste the code into the Verification Code field. • In the Password field, enter a new password following the password guidelines provided. • In the Confirm Password field, reenter the new password.





• Click Reset Password.

6. You will be directed to the User Sign In section. You can now sign in using your username and new password.

Appendix B – Retrieving Your 4Word Username If you do not remember your username, complete the following steps to retrieve it:

1. Navigate to https://www.4words4card.com. 2. In the User Sign In section, click Forgot password. 3. In the Account Recovery section, click the Retrieve Username tab. 4. Enter the email address bound to your 4Word user account in the Email and Confirm Email fields. 5. Click Email My Username. 6. An email will be sent to the email address entered.





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