Engaging, Enabling and Evolving Commerce in Canada since 1989

April 2009 ACTion Newsletter

IN THIS ISSUE

1. Editorial Comment
2. MasterCard Canada, Citi Cards Canada & Bell Mobility Complete Mobile Payment Trial
3. Open Solutions Canada Announces Selling TechTrex S700 Pos Terminals In Canada
4. PCI Debate: How Do We Raise The Bar On Security? - Member Only Access
5. Visa Makes NFC Mobile Point-Of-Sale Payments Commercially Available For The First Time
7. Giesecke & Devrient Presents Functioning Prototype Of Self-Service Machine For Payment Cards
8. EMV For UK ID Cards?
6. TUV Product Services Selects Emvco Approved Level 2 Test Solution From ICC Solutions
9. Airport Credentials: What's Going To Happen? - Member Only Access
10. NBS Technologies Inc. Announced The Release Of Its Latest Desktop Card Embosser
11. Gemalto Provides Lithuania With Electronic Identity Cards
12. Monaco Principality Renews Its Confidence To Oberthur Technologies For The Issuance Of The Electronic National Identity Card
13. Nets Introduces Singapore's Most Innovative Contactless Debit Card For Transit, ERP, Car Park Payments And Retail Purchases
14. Hypercom, Ingenico And Verifone Launch New Payment Security Alliance
15. Turning To Stickers To Win Adherents To Mobile Payment - Member Only Access
16. FIME To Distribute Integri Test Solutions
17. Giesecke & Devrient Acquires SmartTrust

ACT Canada Partners

Collis

Collis is a leading provider of EMV, e-ID, and e-Passport test tools, consulting, and training in Canada. Contact us for EMV training and test tools for every step of the EMV Transaction life-cycle - Cards, Terminals, Acquiring host and Authorization host. Collis America at 1-651-925-5410.

 Visa

Visa operates the world's largest retail electronic payments network and is one of the most recognized global financial services brands. Visa facilitates global commerce through the transfer of value and information among financial institutions, merchants, consumers, businesses and government entities.

ACT CANADA THANKS OUR NEW & RENEWING MEMBERS

GENERAL

Dynamic Card Solutions ~ member since 2008
MBNA Bank Canada ~ member since 1990

SME

TechTrex Inc. ~ new member

ASSOCIATE

Lifecycle Integrity ~ member since 2005
Osler, Hoskin & Harcourt LLP ~ member since 2005

Membership Benefit Reminder
All ACT Canada members, who do not currently subscribe to the Nilson report, are entitled to a 10% discount. Also, all members receive significant discounts for Cardware 09.

CALENDAR OF EVENTS

2009 CTST/Smart Card Alliance Annual Conference & Expo
May 4-7, 2009
Ernest N. Morial Convention Center
New Orleans, LA, USA
http://www.ctst.com
ACT Canada members receive discounts - please contact andrea(AT)actcda.com for details

CAMA: Canadian Automatic Merchandising Association annual conference
Catherine Johnston to present, "The Evolving Canadian Payment Landscape: Your Role as a Stakeholder"
May 8-9, 2009
Hamilton Convention Centre
Hamilton, ON, Canada
http://www.vending-cama.com

EMV Chip Seminar, presented by Collis
June 3-4, 2009
Toronto, ON, Canada
ACT Canada members receive a 15% discount

Cardware 09: Payment Insights
Financial & Retail Sectors Conference
June 17-18, 2009
White Oaks Conference Centre
Niagara-on-the-Lake, ON, Canada
Visit www.actcda.com for more details

Cardware 09 Secure ID Insights
Government Sector Event
September 16, 2009
Hellenic Centre
Ottawa, ON, Canada
Visit www.actcda.com for more details

1. EDITORIAL COMMENT
Source: Catherine Johnston, President & CEO, ACT Canada (04/29)

Let's celebrate

Does that invitation surprise you? Do you think that in these times of fiscal restraint there is nothing to celebrate? I believe that not only should we come together to do this, we must. Here's my rationale.

It helps to remember that there are cycles of prosperity and lean times. Others have survived what we are going through and actually have done remarkable work under those difficult circumstances. Recognizing them is motivating for all of us. I hope you will join us June 18th as we honour 20 years of achievement at our awards luncheon at Cardware 09.

There is a second reason to have a party. When times are tough, you need friends. We all work so hard, that it is increasingly difficult to make time to socialize with our peers. And yet, these are the people who we need in our corner. Those busy schedules mean that people have less time to respond to our emails and phone calls, so staying close is really important.

So, I hope you will join us June 17th for our 2nd annual Cardware party. Be warned - there is a dress code. Jeans! Hair: be prepared to let it down. Agenda: nothing but fun.

The third reason is that we are celebrating our 20th (and we look great for our age!)

If you can't join us at Cardware for these two wonderful events, I hope you will find a way to celebrate!

2. MASTERCARD CANADA, CITI CARDS CANADA AND BELL MOBILITY COMPLETE MOBILE PAYMENT TRIAL
Source: Canada Newswire (04/16)

MasterCard Canada, in partnership with Citi Cards Canada and Bell Mobility, has completed the first near-field communications (NFC) trial of Mobile PayPass(TM) in Canada. This was the first trial in Canada to use Bell Mobility's wireless network allowing trial participants to make purchases using their mobile device at MasterCard(R) PayPass(TM) acceptance locations across Canada. The four-month closed trial was a major step towards bringing mobile payments to Canadian mobile phone users.

"This mobile payment trial is one of the latest in a series of MasterCard global payment trials," says Scott Lapstra, Vice President, Market Development, MasterCard Canada. "The completion of this trial provides us with Canadian-specific data that will help prepare for the potential roll-out of mobile payment services in the future."

"As one of the first issuers to offer PayPass-enabled cards in Canada, we have always worked with MasterCard to find new, convenient payment solutions for consumers," says Richard McLaughlin, Chief Marketing Officer, Citi Cards Canada. "We believe that mobile payment has strong potential to become part of Canada's future payment landscape."

About the trial
The trial took place at Bell Mobility's Creekbank office in Ontario and approximately 75 employees from Bell, Citi Cards and MasterCard participated. Trial participants proved that mobile payments are easy, fast and secure. The average transaction amount during the trial was just under $20, which is ideal for merchants in high-volume, small-ticket purchase businesses.

Citi Cards Canada & MasterCard Canada are members of ACT Canada; please visit http://www.citicards.ca & http://www.mastercard.ca.

3. OPEN SOLUTIONS CANADA ANNOUNCES SELLING TECHTREX S700 POS TERMINALS IN CANADA
Source: Open Solutions Canada (04/15)

Open Solutions Canada are now selling S700 point-of-sale terminals, manufactured by TechTrex Inc. to Canadian merchants. The S700 line of products includes the S700 PINpad, S700 Desktop and S700 Mobile terminals. Open Solutions Inc. is a provider of integrated enabling technologies for financial service providers across the United States, Canada and other international markets.

"These terminals provide the functionality today's merchants require and are PCI PED 2.0, EMV L1 and L2, Interac Chip Certified to meet stringent compliance requirements in the payments industry. By adding the TechTrex S700 to our product offering, we are providing ISOs and merchants with additional hardware options to run a successful business," said Rob Palin, general manager, Payment Solutions at Open Solutions Canada.

Open Solutions Canada has certified the S700 PINpad with the PrimeTrex and CoreTrex (Dial and IP) terminals and all available credit plans. All three S700 products are now certified with NCR and Elavon credit.

Open Solutions Canada and TechTrex Inc. are members of ACT Canada; please visit http://www.opensolutions.com & http://www.techtrex.com.

4. PCI DEBATE: HOW DO WE RAISE THE BAR ON SECURITY? - Members Only Access

Available in the ACT Canada Members Only section of our web site. Click on the link below to access this section.
http://www.actcda.com/members-only/members-only-news/

If you are a member of ACT Canada but do not have your login details please contact me - andrea@actcda.com.

5. VISA MAKES NFC MOBILE POINT-OF-SALE PAYMENTS COMMERCIALLY AVAILABLE FOR THE FIRST TIME
Source: The FINANCIAL (04/14)

Visa Inc. announced the launch of the world's first commercial Visa mobile payments service for point-of-sale transactions using Near Field Communications (NFC) technology.

The service marks the first time consumers can purchase an NFC-enabled mobile device off the shelf and use that device to make Visa payWave-enabled transactions at the point-of-sale instead of using their payment card.

"We believe that Visa's NFC mobile payment launch in Malaysia signals a tipping point for the payments industry globally as we move from mobile payment pilots to commercial availability," said Elizabeth Buse, Global Head of Product at Visa Inc. "Malaysia has historically been an early adopter of new payment technologies. The launch of Visa's first commercial NFC program in Malaysia is based on Visa's experience gained from undertaking extensive pilot activities around the globe and is something Visa plans to replicate in other places around the world."

"Maxis - the largest wireless carrier in Malaysia with more than 11 million subscribers; Nokia - the world's leading handset manufacturer; and, Maybank - a leading financial institution in Malaysia, have teamed with Visa to offer Visa payWave on mobile devices," Visa Inc. declared.

The contactless chip embedded in the device will also power a number of additional functions, including a contactless transit application that enables Malaysian commuters to pay for charges while using metropolitan transit systems, bus terminals, highway toll gates and car park facilities at more than 3,000 contactless payment touch points throughout Malaysia. Maxis has branded these mobile payment services under the name Maxis FastTap.

Visa Canada Inc is a member of ACT Canada; please visit http://www.visa.ca.

6. TUV PRODUCT SERVICES SELECTS EMVCO APPROVED LEVEL 2 TEST SOLUTION FROM ICC SOLUTIONS
Source: ICC Solutions (04/24)

ICC Solutions is delighted to announce that TUV Product Services in the UK has selected ICCSimTMat from ICC Solutions to perform EMV Level 2 type approval testing. This EMVCo recognised test solution is already extensively used by other EMVCo accredited test laboratories. ICC Solutions offers an extensive range of stand-alone, cost effective certification contact / contactless device test packages based on the ICCSimTMat Test Manager platform suitable for terminal application functional Acceptance Testing.

All ICCSimTMat packages feature a powerful user interface and runtime environment that enables extremely efficient test campaigns. These solutions offer exceptional value designed to be totally self-contained, with no other components required. These low-cost solutions can be dispatched immediately. They are simple to use, facilitate rapid updates to tests and provide detailed and comprehensive test logs automatically verified against the corresponding test plan.

Tony Fisher, Principal Engineer and Lab Manager at TUV Product Services said "TUV Product Service is pleased to announce that from April this year we are now offering Level 2 EMV customers the choice of two test tools. We now have a partnership with ICC Solutions and we can test your Kernel using the ICCSimTMat for EMV. This is in part to answer the rising demand this year for Kernel retesting as a result of the changes made by EMVCo last year to the validity of existing Kernel certifications. I am looking forward to working with ICC Solutions over the coming year which is looking to be a record year for our test lab!"

ICC Solutions is a member of ACT Canada and an exhibitor at Cardware 09; please visit http://www.iccsolutions.com.

7. GIESECKE & DEVRIENT PRESENTS FUNCTIONING PROTOTYPE OF SELF-SERVICE MACHINE FOR PAYMENT CARDS
Source: Giesecke & Devrient (04/29)

Giesecke & Devrient (G&D) presented the first functioning prototype of its new Instant Issuance Kiosk for payment cards at the Visa Europe Member Days in Berlin. The exhibited product is a self-service machine for private customers, who can use it to issue their own prepaid cards. The machines can be installed anywhere - at train stations, airports, shopping centers, football stadiums, or in the self-service area of a branch bank. This innovative solution enables banks to significantly expand their service offering and improve customer loyalty, while also tapping new business segments and target groups. G&D presented the prototype in collaboration with Visa Europe, Wirecard Bank AG and the issuing processor Cetrel S.A.

G&D's new Instant Issuance Kiosk will enable banks to offer payment-card issuance services independently of their branches' working hours. The entire issuance process for payment cards can now be carried out without the need for any staff. Customers will be able to acquire a ready-to-use prepaid, debit, credit or contactless card any time, any place, and use it to shop in retail stores and online. This solution will also enable bank customers to quickly and conveniently replace lost or stolen cards whenever they need to.

Giesecke & Devrient is a member of ACT Canada and an exhibitor at Cardware 09; please visit http://www.gi-de.com.

8. EMV FOR UK ID CARDS?
Source: SecureID News (04/16)

The United Kingdom is considering adding EMV functionality to its ID cards, according to ZDNet UK. EMV is used in UK payment cards to protect against fraud and some say it can be useful while others say it's not secure enough.

With chip-and-PIN cardholders could access government and private-sector services online using the PIN to verify their identity. Business too could take advantage of such functionality and have individuals authenticate using a PIN. Using EMV could also cut the cost of the system since it's already a widespread standard.

But some say PIN is not secure enough. Cambridge University security researcher Richard Clayton said that PIN functionality could open up new avenues for fraudsters. Fraudsters could set up fake government sites in order to phish for PINS, similar to what criminals do with banking Web sites now.

9. AIRPORT CREDENTIALS: WHAT'S GOING TO HAPPEN? - Members Only Access

Available in the ACT Canada Members Only section of our web site. Click on the link below to access this section.
http://www.actcda.com/members-only/members-only-news/

If you are a member of ACT Canada but do not have your login details please contact me - andrea@actcda.com.

10. NBS TECHNOLOGIES INC. ANNOUNCED THE RELEASE OF ITS LATEST DESKTOP CARD EMBOSSER
Source: Source: NBS Technologies (04/03)

NBS Technologies Inc announced the release of its latest desktop card embosser - the Advantage M20.

The Advantage M20 is the universal desktop embosser and encoder designed primarily to meet the needs of financial institutions for the secure and reliable instant personalization and issuance of credit and debit cards.

The Advantage M20 embosser features include: 100-card hopper for automatic card feeding; · Single card front input feeder; 120 character embossing wheel; Front & rear indent; Dual coercivity magnetic stripe encoding; Contact and contactless smart card personalization; Access cover secured with electronic lock under software control; Anchors for bolting down the embosser to its operating station

The Advantage M20 embosser is available for delivery beginning April 2009.

NBS Technologies is a member of ACT Canada and an exhibitor at Cardware 09; please visit http://www.nbstech.com.

11. GEMALTO PROVIDES LITHUANIA WITH ELECTRONIC IDENTITY CARDS
Source: Gemalto (04/15)

Gemalto announced it is delivering 900,000 of its Sealys Laser-Secured e-ID cards, commissioned by the Ministry of Interior of Lithuania. The Gemalto e-ID card is made of polycarbonate, with all personal data laser-engraved in the card, to ensure the highest level of security and the utmost durability. The national ID card is mandatory for all citizens above 16 and also serves as a travel document in all EU countries. National rollout started on January 5, 2009. Gemalto delivers the cards to its local partner Lodvila, a security printing company in Lithuania and main contractor of the project.

Lithuania determined to deploy this national ID card in order to allow citizens to travel freely between Member States, as well as to benefit from national and European e-government services. With this e-ID card, Lithuania has taken the first step towards the implementation of the European Citizen Card standard.

Gemalto is a member of ACT Canada; please visit http://www.gemalto.com.

12. MONACO PRINCIPALITY RENEWS ITS CONFIDENCE TO OBERTHUR TECHNOLOGIES FOR THE ISSUANCE OF THE ELECTRONIC NATIONAL IDENTITY CARD
Source: PRNewswire-FirstCall (04/27)

Monaco principality announced the implementation of the electronic national Identity card. It is the first electronic national identity card issue and compliant with the European standards ICAO-EAC[1] and IAS-ECC[2].

Oberthur Technologies developed for Monaco, a turnkey solution with enrolment and personalization, as well as an issuance system of the electronic document to the citizen.

So since March 30th each Monegasque citizen thanks to the instantaneous issuance system can make its demand and gets its new identity card on the same day. Each Identity card is delivered with a stentor(TM), a protection device that prevents from reading information on the chip, patent from Oberthur Technologies.

Oberthur Technologies is a member of ACT Canada; please visit http://www.oberthur.com.

13. NETS INTRODUCES SINGAPORE'S MOST INNOVATIVE CONTACTLESS DEBIT CARD FOR TRANSIT, ERP, CAR PARK PAYMENTS AND RETAIL PURCHASES
Source: More RFID (04/17)

Singapore's leading electronic payments provider NETS announced the ultimate card for consumers in Singapore. Together with Singapore's leading local banks, DBS, Oversea Chinese Banking Corporation (OCBC) and United Overseas Bank (UOB), NETS will be rolling out a card that combines the functions of a debit card and NETS CashCard.

This allows customers to use just one card for their cashless payment needs from the time they leave their homes - to pay for road tolls, for public transport, for shopping, for bill payments, for car park fees and even for a good car wash.

One of the unique features of the card is that consumers can do a top up anywhere anytime when performing a transaction. What this means is that when the stored value of the NETS CashCard component is below the minimum amount, at the time of making a payment using this card, a top up alert is triggered on the terminal as well. Consumers can do a top up at that retail point. The top up will be direct from the customer's debit account. Hence, customers can enjoy the ultimate convenience of always having enough money for all their everyday needs.

Today, NETS has more than 35,000 acceptance points throughout the whole of Singapore. It strives to achieve a near 100% acceptance as a result of offering this solution for small value payments.

UOB is targeting to roll out the card at the time of launch in fourth quarter of this year.

14. HYPERCOM, INGENICO AND VERIFONE LAUNCH NEW PAYMENT SECURITY ALLIANCE
Source: Ingenico (04/22)

Three payment industry participants - Hypercom, Ingenico, S.A. and VeriFone announced the formation of the Secure POS Vendor Alliance (SPVA: www.spva.org), a non-profit business organization chartered with implementing common payment security standards among vendors of secure point-of-sale (POS) devices used by retailers, acquirers and cardholders alike.

The SPVA will increase awareness of security issues, encourage adoption of best practices and ease consistency among standards that govern disparate components and participants in the payment environment. The SPVA founders recognize that stakeholders' consistent adherence to security standards and rules are a vital necessity in the continued growth of the electronic payments industry.

The SPVA will encompass the companies that provide the key security elements among consumers, merchants and transaction acquirers and issuers. Members of the SPVA deliver a unique global experience with security standards, ensure best practice implementation and continue to evolve the security enhancements and interoperability required to reduce fraud and lower risk for all participants in card payment transactions.

Membership is open to all payment industry stakeholders.

Ingenico is a member of ACT Canada and an exhibitor at Cardware 09; please visit http://www.ingenico.com. Hypercom is a member of ACT Canada; please visit http://www.hypercom.com.

15. TURNING TO STICKERS TO WIN ADHERENTS TO MOBILE PAYMENT - Members Only Access

Available in the ACT Canada Members Only section of our web site. Click on the link below to access this section.
http://www.actcda.com/members-only/members-only-news/

If you are a member of ACT Canada but do not have your login details please contact me - andrea@actcda.com.

16. FIME TO DISTRIBUTE INTEGRI TEST SOLUTIONS
Source: Integri (04/23)

Integri announces that it has signed an agreement with FIME, a well-known provider of test solutions and a major test laboratory, to promote and distribute Integri solutions. The new collaborative effort covers card and terminal test tools as well as host simulators.

From 2007 onwards, Integri and FIME have collaborated intensively, aspiring to migrate the majority of FIME's test tools on Integri's open test platform INQ. Now, with the expansion of its international footprint, Integri enables FIME America and FIME Asia to provide End-to-End testing solutions for vertical markets such as banking, retail, mobile communications and transport in addition to its card and terminal laboratory activities. The agreement focuses on test solutions for transactional systems. It addresses card and terminal manufacturers, payment acquirers, payment switch providers and issuers.

FIME is a member of ACT Canada and an exhibitor at Cardware 09; please visit http://www.fime.com.

17. GIESECKE & DEVRIENT ACQUIRES SMARTTRUST
Source: PR Newswire (04/22)

Giesecke & Devrient (G&D) is acquiring SmartTrust AB (Stockholm), a globally leading provider of server solutions for managing applications on SIM cards and mobile phones. Today's cell phones offer more innovative applications than ever before - from information services to train ticketing to mobile payment. As application numbers have grown, so too has demand for solutions to store and manage the applications over the cellular network. It is already clear that the applications will expand to other platforms as well. In this key growth market, G&D together with SmartTrust will offer all-in-one solutions for securely integrating services provided by mobile telephony companies, banks, government agencies, and transport operators. The financial details of the transaction have not been disclosed.

Giesecke & Devrient is a member of ACT Canada and an exhibitor at Cardware 09; please visit http://www.gi-de.com.

For more information, please contact Andrea McMullen at 1 905 426-6360 ext 124 or email andrea@actcda.com.

Please forward any comments, suggestions, questions or articles to andrea@actcda.com. Please note that articles contained in this newsletter have been edited for length, and are for information purposes only.