Engaging, Enabling and Evolving Commerce in Canada since 1989

July 2012 ACTion Newsletter

IN THIS ISSUE

  1. Editorial - Getting More by Working Together
  2. Oberthur Technologies To Open Service Center In Canada For Growing EMV, NFC And ID Markets
  3. Sears Financial Says Farewell To Foreign Currency Transaction Charges For Over Two Million Canadians
  4. Moneris Offers A New Mobile Cash Register Experience
  5. Apple's $356 Million Authentec Buy A Possible Prelude To Mobile E-Payments – Members Only Story
  6. Chase And Marriott Rewards Launch The Only Hotel Rewards Credit Card In Canada With No Foreign Currency Transaction Charges
  7. Bank Of America To Roll Out EMV Credit Cards
  8. American Express Announces U.S. EMV Roadmap To Advance Contact, Contactless And Mobile Payments
  9. Suntrust To Roll Out NFC-Enabled ATMS – Members Only Story
  10. Ingenico And Chase Paymentech Bring EMV, NFC And Point-Of-Sale Payment Options To U.S. Customers
  11. G&D Launches NFC Sticker For German Banks
  12. Mercury Delivers Industry's First Mobile, Social Loyalty Offering To Boost SMB Revenue And Retention At POS
  13. FIME Offers MasterCard CPV Services To Its North American Customer Base
  14. Visa Says Mobile Payments Won't Hit Mainstream For Two To Three Years - Will Google Now And Apple's Siri Prove Visa Wrong? – Members Only Story
  15. Gemalto Receives Visa & MasterCard Certification For Singapore TSM Center
  16. AJB Accelerates EMV Migration For Retailers
  17. SecureKey Technologies Inc. Appoints Charles Walton As CEO
  18. London's Underground Won't Adopt Slow-Coach NFC – Members Only Story
  19. Orange France, Gemalto Solution Begin Nationwide NFC SIM Rollout
  20. INSIDE Secure Appoints Pierre Garnier As Executive Vice President For NFC & Secure Payment Division
  21. H.R.H. The Duke Of Gloucester Presents ICC Solutions With 2 Queen's Awards For Enterprise In International Trade & Innovation

ACT Canada Partner

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

PRINCIPAL

Manulife Bank of Canada ~ new member
Sears Financial ~ member since 2011
TD Merchant Services ~ member since 1996 

GENERAL

AJB Software Design Inc. ~ member since 2011
Canada Post Corp. ~ member since 2006
Endo Networks Inc ~ new member
GFH Group ~ member since 2007
MEI Inc ~ member since 2009
QuintinManus Marketing Group ~ member since 2011
Royal Canadian Mint ~ member since 2005
Threshold Financial Technologies Inc. ~ member since 2009
Verisoft Canada Inc ~ member since 2011 

JOB OPPORTUNITIES

ACT Canada has launched a Job opportunities section on our web site later this week.  Please visit http://www.actcda.com to see the latest job postings in our industry.

LOOKING FOR GOOD PEOPLE?

There is a lot of movement in the market, so if you are looking for new employees, we are always aware of some great people. Please contact Catherine Johnston for more details - catherinej@actcda.com

CALENDAR OF EVENTS

Cartes
November 6-8, 2012
Paris, France
http://www.cartes.com 

11th Annual Smart Card Alliance Government Conference
November 28-30, 2012
Washington, DC, USA
http://www.smartcardalliance.org

Cardware 2013: Payment Insights
June 18-19, 2013
Marriott Gateway on the Falls
Niagara Falls, ON, Canada
http://www.actcda.com


1. EDITORIAL COMMENT
Source: Catherine Johnston, President & CEO, ACT Canada (07/31)

Getting More by Working Together

What ever happened to quiet summers?  Today it seems that there are no "valleys" in the work year, and ACT Canada is no different.  We are entering into our Q3 and Q4 terms for the Mobile Strategic Leadership team, as well as the Prepaid Team, but we are also launching 2 new ones.

The first is our Point-Of-Sale team which will look at issues and opportunities related to payment at the point of sale.  The second is the Secure ID team, which will focus on the need for government to implement chip level security on citizen and staff identity cards and tokens.  This is particularly important as we move toward more electronic access and services, including e-health.

We are also planning our fall Cardware Connections networking meeting.  If you have suggestions for a topic or speaker you would like us to consider, please let us know.  I'm really pleased to report that the evaluations for Cardware 2012: Payment Insights were the highest ever and we are already planning for next year.

So why are we so busy – it's because our members are actively looking for ways to leverage their resources to meet their goals and they are counting on our help.  Can we help you...?


2. OBERTHUR TECHNOLOGIES TO OPEN SERVICE CENTER IN CANADA FOR GROWING EMV, NFC AND ID MARKETS
Source: Oberthur (07/09)

Oberthur Technologies announced that it has finalized plans to open a secure service center in Ottawa, Ontario, Canada. The 1,400 square metre facility will enable the personalization of secure devices and documents (including magnetic stripe and EMV cards as well as SIM cards and identification credentials) for customers throughout Canada.

"Oberthur Technologies' proven global ability to meet customer needs in the payment, telecom and ID markets coupled with the booming Canadian demand in these key segments are at the center of our decision to open a facility in Canada," said Martin Ferenczi, Managing Director of the Americas Region at Oberthur Technologies, "Oberthur Technologies is confident that the Canadian market will respond positively to our expertise in providing a broad array of solutions for complete card personalization."

Oberthur Technologies is currently supplying contactless cards to Montreal's transit system and SIM cards to major Canadian telecom operators. The new facility will be fully operational with payment association certifications in Q4 of this year and ready to produce VISA, MasterCard and Interac cards.

Oberthur Technologies, Interac, MasterCard and Visa are members of ACT Canada; please visit http://www.oberthur.com; http://www.interac.ca; http://www.mastercard.ca & http://www.visa.ca.


3. SEARS FINANCIAL SAYS FAREWELL TO FOREIGN CURRENCY TRANSACTION CHARGES FOR OVER TWO MILLION CANADIANS
Source: Canada Newswire (07/12)

Sears Canada's Financial Services division announced that as of July 23, 2012, foreign currency transaction charges will no longer be incurred on the Sears Financial MasterCard and Sears Financial Voyage MasterCard. With over two million MasterCard credit cards in the market, and hundreds of thousands of vacations booked through Sears Travel annually, eliminating the fee is part of Sears Canada's renewed commitment to do more for the customer.

The foreign currency transaction charge is applied in addition to the exchange rate when a customer uses a credit card for a transaction outside of Canada. Most Canadian credit cards charge 2.5 percent.

Half of Canadians (51 percent) said they would consider switching to another credit card if it meant they didn't have to pay the foreign currency transaction charge, revealed a recent survey commissioned by Sears Financial, which looked at travel and spending habits.

The results also showed that 65 percent of Canadians travel abroad at least once every two years and that the overwhelming majority (92 percent) use their credit card to pay for meals, entertainment, and other purchases when travelling. In fact, 61 percent always or frequently use credit cards as their primary form of payment when travelling.

A recent Statistics Canada survey found that during the first quarter of 2012 travellers spent $8.3 billion outside the country, $5 billion spent in the United States alone. These numbers include "snowbirds" who travel to warmer climates, and suggest Canadians pay millions of dollars a year to use their credit card abroad.

"Many of our customers are snowbirds. They and others will benefit significantly from this change," said Peter Kalen, Senior Vice-President, Sears Financial and Home Services. "While many travellers will continue to incur additional charges on all their foreign purchases, over two million Sears Financial MasterCard cardmembers will enjoy the freedom to spend without being charged 2.5 percent on foreign purchases. We also see this as a positive move for our Sears Travel customers."

Sears Financial made the decision to remove foreign currency transaction charges as part of Sears Canada's company-wide initiative to do more for the customer.

"Removing this charge is another demonstration of our ongoing commitment to provide customers and cardmembers with the quality and value they've come to expect from Sears," added Kalen.

In addition to no foreign currency transaction charge, Sears Financial cardmembers will also earn valuable Sears Club Points everywhere MasterCard is accepted. These points can be redeemed for almost anything in-store and online, including a full range of flight and travel bookings at Sears Travel. Canadians can apply for a Sears Financial MasterCard at any Sears store.

Sears Financial is a member of ACT Canada; please visit http://www.searsfinancial.ca.


4. MONERIS OFFERS A NEW MOBILE CASH REGISTER EXPERIENCE
Source: Moneris (07/30)

Moneris Solutions announced the launch of an integrated mobile payment processing solution designed for mid-size and large merchants. Built to encase Apple iPhone or iPod touch devices using a Wi-Fi connection, the solution combines Moneris' POSPAD software and iSMP hardware by Ingenico to provide the security and simplicity retailers and developers need to quickly enable mobile payment and point-of-sale cash register features.

Magnetic stripe, EMV Chip & PIN, and 'tap and go' contactless cards can all be accepted in an environment that provides full end-to-end encryption of card data, thereby reducing PCI DSS scope during integration. In addition, Bluetooth® compatibility with wireless receipt printers and an integrated barcode scanner give retailers and developers the tools required to create an optimal mobile point-of-sale cash register experience.

"With the growing demand for mobile payment processing services, merchants want and expect solutions that best suit their business and customer needs," said AmerMatar, Chief Technology Officer, Moneris Solutions. "We are proud to complement our micro-merchant-focused PAYD offering with yet another pioneering mobile solution – giving larger merchants the benefits of an electronic cash register and a versatile payment processing terminal, with the security they've come to expect from Moneris. The offering cements Moneris' position as the leading provider of mobile payment solutions for businesses on the go."

"Partnering with Moneris and their expertise in integrating payment processing solutions has truly unlocked the potential of our device," said David Chaudhari, Managing Director, Ingenico Canada. "With Moneris' new mobile product, merchants will be able to take advantage of a readily-accessible, fully functioning mobile solution for their business."

Moneris and Ingenico are members of ACT Canada; please visit http://www.moneris.com & http://www.ingenico.com.


5. APPLE'S $356 MILLION AUTHENTEC BUY A POSSIBLE PRELUDE TO MOBILE E-PAYMENTS – 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/2012-newsletter-archives/ july-2012-newsletter.html  

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


6. CHASE AND MARRIOTT REWARDS LAUNCH THE ONLY HOTEL REWARDS CREDIT CARD IN CANADA WITH NO FOREIGN CURRENCY TRANSACTION CHARGES
Source: Financial Post (07/30)

Canadians can now take advantage of the only hotel rewards card in Canada that does not charge foreign currency transaction charges. Chase Card Services, a division of JPMorgan Chase & Co. and Marriott Rewards announced today the launch of the Marriott Rewards Premier Visa Card from Chase, the only hotel rewards card in Canada to not charge foreign currency transaction charges on international purchases. With the Marriott Rewards Premier Visa Card, Canadian consumers do not pay the 2.5 percent foreign currency transaction charge, after the exchange rate conversion is applied, on purchases outside of Canada–in person or online. The card also offers cardholders the ability to earn accelerated Marriott Reward points on all purchases, accumulate free night stays, and receive automatic Silver Elite Status.

"The Marriott Rewards Premier Visa Card lets Canadians get more out of their travels, whether business trips, family vacations or anything in between," said Martin Parizeau, chief executive officer, Chase Card Services Canada. "As Chase Canada launches the Marriott Rewards Premier Visa Card without foreign currency transaction charges, cardholders will derive real value on every transaction they make outside of Canada."

With the Marriott Rewards Premier Visa Card, Canadian cardholders have the ability to earn Marriott Rewards points at an accelerated rate.

Marriott Rewards Premier Visa Card from Chase cardholders will receive 30,000 Marriott Rewards bonus points after first purchase, plus one free night after account approval plus one free night every year just for being a cardholder. The annual fee of $120 is waived for the first year.

"For our loyal Marriott Rewards members, the card offers the ability to earn rewards at an accelerated rate and provides access to exclusive benefits that make travel even more enjoyable," said Ed French, senior vice president, Marriott Rewards. "We are pleased to expand our partnership with Chase to include a valuable product for Canadian consumers."

Chase Card Services is a member of ACT Canada; please visit http://www.chasecanada.ca.


7. BANK OF AMERICA TO ROLL OUT EMV CREDIT CARDS
Source: SecureID News (07/24)

Bank of America has announced that it will be releasing consumer credit cards containing chip technology.

The chip technology, also known as Europay, MasterCard, and Visa (EMV), has already gained popularity abroad, and uses an embedded microchip and PIN to validate the card, consumer and payment transaction in lieu of a signature.

The Bank of America cards, which began shipping on July 23, offer customers improved security and fraud prevention as EMV point-of-sale terminals require only a PIN and eliminate the need to hand the card over to a cashier.

The chip technology will be included in all new Merrill Lynch, U.S. Trust Accolades, BankAmericard Travel Rewards, BankAmericard Privileges, and Virgin Atlantic travel credit cards, with plans to upgrade all existing customers in these programs identified as international travelers.

Additional card programs- BankAmericard Cash Rewards, BankAmericard Power Rewards, BankAmericard, AAA Members Rewards, NEA, Asiana Airlines, Alaska Airlines, Hawaiian Airlines, Royal Caribbean and Norwegian Cruise Lines- will provide the chip technology at the request of the cardholder.

The cards are available upon request at banking centers and via phone with online registration set to begin later this year.


8. AMERICAN EXPRESS ANNOUNCES U.S. EMV ROADMAP TO ADVANCE CONTACT, CONTACTLESS AND MOBILE PAYMENTS
Source: Smart Card Alliance (06/29)

American Express announced its network roadmap to advance EMV chip-based contact, contactless and mobile payments for all merchants, processors and issuers of American Express-branded cards in the U.S.

American Express will work alongside other industry participants to drive interoperability across the U.S. and other countries and support chip-based technology for chip and PIN, chip and Signature, contactless and mobile transactions. The company's key policy requirements and dates are:

- By April 2013, processors must be able to support American Express EMV chip-based contact, contactless and mobile transactions.

- Beginning October 2013, merchants will be eligible to receive relief from PCI Data Security Standard (DSS) reporting requirements if the merchants' point-of-sale (POS) acceptance locations, where 75% of their transactions occur, are enabled to process American Express EMV chip-based contact and contactless transactions.

- Effective October 2015, American Express will institute a Fraud Liability Shift (FLS) policy that will transfer liability for certain types of fraudulent transactions away from the party that has the most secure form of EMV technology. U.S. fuel merchants will have an additional two years, until October 2017, before the FLS takes effect for transactions generated from automated fuel dispensers.

"The payments industry is continuing to evolve rapidly, and American Express recognizes the growing demand for chip-based contact and contactless payments in the U.S.," said Suzan Kereere, Senior Vice President and General Manager, American Express Global Network Business. "We also fully recognize the complexities involved in migrating to EMV chip-based technology, and our first priority is to provide choice and flexibility for merchants and our card-issuing partners so they can adopt the EMV solution that best meets their needs."

"As a global payments network, we understand the benefits associated with EMV-based technology, and we are committed to continue enhancing security at the point-of-sale for both merchants and American Express Cardmembers," added Kereere.

American Express plans to begin issuing EMV-compliant cards in the U.S. in the latter half of 2012.

As an early adopter of EMV technology on its global network, American Express today already processes millions of EMV transactions. American Express is one of four major payment organizations that is an equity member in EMVCo, which is an organization committed to driving secure and interoperable payments globally for chip card transactions.

American Express Canada is a member of ACT Canada; please visit http://www.amex.ca.


9. SUNTRUST TO ROLL OUT NFC-ENABLED ATMS – 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/2012-newsletter-archives/ july-2012-newsletter.html

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


10. INGENICO AND CHASE PAYMENTECH BRING EMV, NFC AND POINT-OF-SALE PAYMENT OPTIONS TO U.S. CUSTOMERS
Source: Ingenico (07/03)

Ingenico announced that Chase Paymentech has selected Ingenico's new generation Telium iCT250 point-of-sale (POS) terminal for sale to merchants in the United States.

With the Telium iCT250, Chase Paymentech merchants can securely accept transactions presented by EMV chip card, NFC-enabled mobile phones, contactless cards, and traditional magnetic stripe cards.

In anticipation of newly emerging payment technologies and the migration to EMV chip card in the U.S., the Telium iCT250 represents a sharp color screen POS solution that enables merchants to accept current and future payment types within a familiar, but powerful countertop form factor.

Both companies closely collaborated to conclude the Class A certification of Ingenico's iCT250 hardware and application on Chase Paymentech Solution's Tampa (PNS) processing platform using their proprietary UTF message format. The certification makes Ingenico'sTelium iCT250 terminal and application available as a stand-alone countertop or in a combination with external Ingenico's iPP220 & iPP320 PIN Pads to merchants nationwide. With the certification in place now, Chase Paymentech is making the iCT250 available nationwide to merchants with direct, uninterrupted support.

Meeting demanding requirements to secure Chase Paymentech's Class A certification for our iCT250 product was not an easy task. There are very few solutions available to merchants that can support all of the emerging payment types, and even fewer are truly operational," explained Thierry Denis, president of Ingenico, North America. "We view the certification as a testament to Chase Paymentech's dedication to ensure that their solution provides merchants with an uncompromising payment platform that securely handles traditional and NFC mobile payments including EMV contact and contactless transactions, and a future foundation for digital couponing, and loyalty redemption."

With the Chase Paymentech iCT250 solution, merchants can securely accept transactions presented by EMV chip cards, NFC‐enabled mobile phones, contactless cards, and traditional magnetic stripe cards.

As emerging payment options gain adoption in the U.S., merchants are looking to make the customer check‐out process as easy and safe as possible," said Mike Duffy, president of Chase Paymentech. "The Future Proof terminal, designed and manufactured by Ingenico, is a one‐stop solution for merchants to keep accepting today's forms of payment and prepare for new consumer

payment preferences on the horizon."

The new Telium based iCT250 terminal, available in the U.S. and Canada, was designed to meet the requirements of Visa's Technology Innovation Program (TIP) and the key elements outlined in MasterCard EMV Roadmap in the U.S. The terminals clear backlit graphic display on a color screen and backlit keypad allows easy transaction reading in any lighting conditions and clear signage to promote the merchant's brand.

Chase Paymentech and Ingenico are both members of ACT Canada; please visit http://www.chasepaymentech.ca & http://www.ingenico.com.


11. G&D LAUNCHES NFC STICKER FOR GERMAN BANKS
Source: Contactless News (07/18)

Giesecke & Devrient (G&D) has introduced an NFC-enabled sticker that enables German bank customers to make contactless payments with their existing mobile phones.

The mobile payments sticker runs on SECCOS (Secure Chip Card Operating System), the German banking industry system for smart cards. When attached to a cell phone or smart phone, the sticker enables users to make MasterCard PayPass-enabled contactless payments at over 350,000 PayPass locations worldwide.

According to G&D, all transactions made with the sticker are listed on the user's normal credit card bill. For payments up to 25 euros, no PIN or signature is required.

The first two banks to adopt the SECCOS sticker are Sparda-Bank Hamburg and Donner &Reuschel. G&D is working with systems integrator Deutsche Genossenschafts-Verlag to supply the new technology to the banks as part of a trial conducted by the cooperative financial group.

German customers can already use the sticker to make payments at a number of PayPass locations, including Aral, Vapiano, McDonald's, Thalia, Douglas, and Edeka

Giesecke & Devrient and MasterCard are members of ACT Canada; please visit http://www.gi-de.com & http://www.mastercard.ca.


12. MERCURY DELIVERS INDUSTRY'S FIRST MOBILE, SOCIAL LOYALTY OFFERING TO BOOST SMB REVENUE AND RETENTION AT POS
Source: Mercury Payment Systems (07/27)

Mercury announced MercuryLoyalty – the industry's first card-less loyalty solution that integrates mobile and social technology into point-of-sale (POS) systems across the country.

MercuryLoyalty was designed specifically for small- to medium-sized businesses (SMB) to increase revenue and customer retention using the latest in social and mobile technologies – helping put them on the same loyalty marketing playing field as big box retailers. Using MercuryLoyalty, SMBs can more easily attract new customers, retain existing customers, better understand buying behaviors, improve customer engagement, and measure ROI – all automatically. Additionally, the MercuryLoyalty offering creates differentiation opportunities and a new revenue stream for Mercury's developer and reseller partners.

Available immediately through Mercury's extensive partner network, the new MercuryLoyalty offering has been extensively Beta tested by Mercury customers including Yogurtini, a fast-growing frozen-yogurt company with franchise locations nationwide.

"We strive to have our Yogurtini franchisees create individual relationships with their customers," said Carell Grass, VP of Operations at Yogurtini. "And the MercuryLoyalty program gives us a powerful but personal approach to initiate conversations with customers that's easy to use – for them and us. With MercuryLoyalty, we've been able to introduce new products, provide special offers, and better understand our customers' behavior – all of which have helped increase loyalty and revenue."

For merchants using MercuryLoyalty, customers simply sign in at the POS using a mobile device and are instantly credited and rewarded for their transaction. The data from the purchase is bundled with their previous shopping history – including info from any previous card-based loyalty system – and stored in memory for the life of the POS. In addition, MercuryLoyalty supports Mercury's patent-pending, closed-loop coupon redemption process. Together, these tools provide cumulative intelligence that helps merchants reduce operating costs and support issues while creating highly customized offers to loyal customers based on past purchases and anticipated future needs.

"Building highly-engaged, profitable relationships with consumers continues to be the number one challenge for most retailers – and the companies that serve them," said Matt Taylor, CEO, Mercury. "At Mercury, we want to help remove that barrier by offering smart, easy-to-use and affordable new solutions like MercuryLoyalty. MercuryLoyalty gives everyone in the retail value chain – from developers to resellers to merchants – a way to increase revenue and differentiate their business. We're excited about the possibilities it represents and the opportunity we have to lead the way in integrated POS mobile and social marketing."

MercuryLoyalty – along with the company's new branding initiative – marks the next in a series of steps aimed at enabling Mercury to better serve its partners and the SMB market. Along with the acquisition of Sundrop, Inc. earlier this year — which led to the creation of MercuryLoyalty – the company is investing in new technologies and services in key areas including mobile and social to continue driving revenue and growth opportunities for its partners and customers.

According to Aberdeen Group's "Next Generation Customer Loyalty" report, while only 24 percent of retail respondents used a centralized, cross-channel customer loyalty platform in 2011, an additional 62 percent plan to implement the technology in 2012 or 2013. And with mobile devices achieving greater worldwide market penetration than bank accounts, safe drinking water and electricity (source: Chetan Sharma Technology & Strategy Consulting) and m-commerce expected to reach $31 billion by 2015 (source: eMarketer), the time has never been better for a mobile-social loyalty solution.

Mercury Payments System is a member of ACT Canada; please visit http://www.mercurypay.com.


13. FIME OFFERS MASTERCARD CPV SERVICES TO ITS NORTH AMERICAN CUSTOMER BASE
Source: Contactless News (07/17)

FIME announced the addition of MasterCard card personalization validation (CPV) services at its Montreal laboratory.

With this new offering, the company is now able to provide local assistance to Canadian and US payment card issuers, manufacturers and personalization bureau, supporting North America in its move towards implementing EMV technology.

Accredited by MasterCard as a formal approval service provider for CPV, the Montréal laboratory offers card preparation, test solutions and CPV certification.

Collectively, the services guide an issuer through the business requirements and card profile definition process and verify a card's personalization compliance to functionality and security requirements stipulated by the payment system for its MasterCard and PayPass cards.

FIME and MasterCard are members of ACT Canada; please visit http://www.fime.com & http://www.mastercard.ca.


14. VISA SAYS MOBILE PAYMENTS WON'T HIT MAINSTREAM FOR TWO TO THREE YEARS - WILL GOOGLE NOW AND APPLE'S SIRI PROVE VISA WRONG? – 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/2012-newsletter-archives/ july-2012-newsletter.html

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


15. GEMALTO RECEIVES VISA & MASTERCARD CERTIFICATION FOR SINGAPORE TSM CENTER
Source: NFC News (07/16)

Gemalto announced that its Trusted Service Management (TSM) data center in Singapore achieved Visa and MasterCard certification, enabling Gemalto customers to securely distribute Visa and MasterCard mobile payment services to their end users.

The Singapore center is Gemalto's third global center alongside existing sites in the U.S. and France. The center is now operational to support the commercial roll out of NFC services in Singapore and already counts Japan's KDDI and the IDA-supported consortium in Singapore as its first customers

Gemalto, MasterCard and Visa are members of ACT Canada; please visit http://www.gemalto.com; http://www.mastercard.ca & http://www.visa.ca.


16. AJB ACCELERATES EMV MIGRATION FOR RETAILERS
Source: PYMNTS.com (07/30)

AJB Software Design, Inc. announced a new EMV migration path for U.S. Retailers, designed to accelerate EMV implementations, while making it easy for merchants to integrate with emerging Mobile and other point-of-sale (POS) initiatives. AJB has extensive expertise with EMV, having completed numerous large-scale EMV Chip and PIN integrations with merchants throughout Canada and the United Kingdom. AJB's software enables merchants to accept EMV transactions; resulting in fewer disputed charges, lower chargeback rates and reduced levels of fraud, saving time and money for retailers.

AJB's FIPay (Flexible Integrated Payment System) software provides merchants with the ability to enable an EMV transaction. It speeds up the payment authorization process, enabling merchants to connect locations, banks and other required points of sale components. FIPay easily integrates into existing systems and is the foundation for quickly enabling EMV transactions on hardware already located at merchants locations. AJB's EMV compatible software has been PA-DSS validated with EMV transactions, simplifying the compliance effort for merchants to verify their payment processing meets the PCI & EMV security standards.

"AJB's extensive experience with EMV adoption provides merchants with expert knowledge that allows us to implement EMV solutions for our customers in the most effective manner possible," said Pat Polillo, vice president Sales at AJB. "In addition to EMV, AJB's solutions help customers adapt to the rapidly emerging area of mobile payments, along with the rise of other emerging payment options around the world."

Initial EMV Migration and Deployment Steps

- Find the right financial partner. Stay with a current partner or choose a new one. Ask if there are incentives for early adoption and understand the partner's readiness to accept EMV.

- Choose hardware. Add new hardware or integrate with existing technology. Look at the cost of new payment terminals and the process to get them installed. Some hardware may seem inexpensive but if your existing device has to be replaced, know the associated costs with mounting, installation and key injection.

- Choose software. Keep your existing POS vendor or change, and then consider PCI and any modifications that may be required to add encryption, tokenization or make changes to your card deck acceptance for fleet, loyalty, gift and phone card acceptance.

Merchants selecting EMV-compatible software should select PA-DSS validated options, simplifying the compliance effort for merchants to verify that their payment processing meets the PCI and EMV security standards already in place.

As the global EMV migration approaches, retailers need to understand what EMV migration means for their organization. They should focus on the impact of the liability shift on their operation and what continued usage of magnetic stripe cards can do to future fraud numbers.

AJB Software is a member of ACT Canada; please visit http://www.ajbsoftware.com.


17. SECUREKEY TECHNOLOGIES INC. APPOINTS CHARLES WALTON AS CEO
Source: SecureKey Technologies (07/27)

SecureKey Technologies Inc. announced the appointment of Charles Walton as Chief Executive Officer. Walton brings over thirty years of entrepreneurial experience in the security technology industry related to authentication, smart card ID systems, NFC/mobile data systems, and the bank card payments ecosystem. Walton will commence his new role in August, following his departure as General Manager and EVP of the NFC & Secure Payments Business at INSIDE Secure where he has worked since 2005.

SecureKey Founder and Chairman Greg Wolfond said: "I couldn't be more thrilled that Charlie is joining SecureKey as we accelerate the build-out of our Canadian ecosystem and prepare to enter new markets. There are few opportunities in our space to attract senior executives of Charlie's calibre – he brings an unmatched combination of deep subject matter expertise and the proven ability to lead fast-growing organizations."

"I'm very excited by the opportunity to lead SecureKey into the next stage of its development. The company's disruptive technology and business model, talented team, and strong market momentum, have positioned SecureKey to be a game-changer in the authentication arena," said Walton.

SecureKey recently completed a $30 million strategic investment round and launched a new authentication service for the Government of Canada that allows Canadians to use their bank authentication credentials to obtain access to online government services.

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


18. LONDON'S UNDERGROUND WON'T ADOPT SLOW-COACH NFC – 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/2012-newsletter-archives/ july-2012-newsletter.html

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


19. ORANGE FRANCE, GEMALTO SOLUTION BEGIN NATIONWIDE NFC SIM ROLLOUT
Source: TCMnet (07/02)

The numbers of users of Near Field Communication (NFC) and wireless mobile technologies are growing, and it will continue to increase day-by-day. To ensure large-scale availability of the NFC feature, Orange – in collaboration with Gemalto (News - Alert), a digital security company – has introduced a SIM-based NFC solution to enable NFC-readiness for mass deployment of mobile contactless services.

Orange (News - Alert), a mobile operator with over 27 million subscribers, has become the first operator in Europe to deploy latest-generation NFC SIM cards to its customers in France at a national scale. Orange subscribers can download, activate and use NFC services on their phone, in an entirely protected environment. The new NFC applications for payments, transportation, ticketing and loyalty programs can be accessed via mobile.

"Gemalto is the first supplier we're working with for the deployment of NFC SIM cards at a national level," said Thierry Millet, VP of Mobile Payments & NFC at Orange. "Gemalto's NFC solution is fully in line with our strategy to simplify and secure the use of mobile contactless services. We are committed to equipping our customers with NFC SIM cards and handsets. We are delighted to achieve a new landmark with this nationwide rollout towards our subscribers in France."

According to a press release, Orange is installing a NFC infrastructure on a national level that enables service providers to come onboard and massively deploy mobile contactless services.

The UpTeq NFC high-end SIM offers the same security level as a chip-based payment or as smart cards to the companies in banking, transportation and the retail sector. The solution will furthermore enable service providers to manage their own security domain in the card and to load, personalize and update its related NFC applications remotely over time.

"The UpTeq NFC solution meets Orange's qualifications at both national and group levels and our teams are on hand to support and accompany the mobile operator in its NFC strategy," added Philippe Vallée, executive vice president of Telecommunications, Gemalto.

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


20. INSIDE SECURE APPOINTS PIERRE GARNIER AS EXECUTIVE VICE PRESIDENT FOR NFC & SECURE PAYMENT DIVISION
Source: INSIDE Secure (07/27)

INSIDE Secure announced the appointment of Pierre Garnier as executive vice president of the NFC and Secure Payment division and member of the management board, effective as of August 1, 2012. Mr. Garnier replaces Charles Walton who will be leaving the company later in August to become chief executive officer of Canadian company SecureKey, a partner of INSIDE Secure in the NFC and secure transactions industry.

Mr. Garnier's mission will be to continue driving the NFC business of INSIDE Secure as market develops, leveraging the company's disruptive innovations such as "NFC booster" on a SIM card, as well as the strong intellectual property assets of the company. Additionally, he will supervise the introduction of a new range of secure payment semiconductor platforms for the future U.S. EMV market.

Prior to joining INSIDE Secure, Mr. Garnier was vice president and general manager at Texas Instruments (TI), where he was in charge of the worldwide baseband business and worldwide wireless strategic programs. At TI, he also managed equity investment and acquisition activities within the wireless ecosystem. Prior to TI, he was chairman and CEO of Everbee Networks, a company developing systems-on-chips for personal Internet security devices. Before that, Mr. Garnier was general manager of the Alcatel Microelectronics broadband Access Business, which he founded and turned into a world-leading ADSL chipset maker before it was acquired by STMicroelectronics in 2002.

Charles Walton will continue to be closely associated with INSIDE Secure as he will become a member of the advisory board.

INSIDE Secure is a member of ACT Canada; please visit http://www.insidesecure.com


21. H.R.H. THE DUKE OF GLOUCESTER PRESENTS ICC SOLUTIONS WITH 2 QUEEN'S AWARDS FOR ENTERPRISE IN INTERNATIONAL TRADE & INNOVATION
Source: ICC Solutions (07/18)

His Royal Highness The Duke of Gloucester presented ICC Solutions Limited with two Queen's Awards for Enterprise in both the International Trade and Innovation categories, at a celebration ceremony attended by The Lord Lieutenant of Cheshire, The Mayor of Warrington, The Member of Parliament for Warrington South, and a selection of respected UK and international clients, some travelling from Canada, USA and Belgium.

These highly prestigious awards are the most coveted corporate prize in the UK, honouring outstanding companies achieving the highest levels of excellence who have made an outstanding contribution to the British economy. The ICC Solutions team was in attendance to receive hearty congratulations from all guests in recognition of this wonderful accolade.

The International Trade Award recognises that ICC Solutions has achieved substantial growth in overseas earnings and in commercial success, with continuous achievement in international trade over at least six years. The Innovation Award is assessed on invention, design, production, performance, marketing, distribution and after-sales support, with continuous innovation and development over at least five years.

Dave Maisey, CEO at ICC Solutions and Co-Founder, stated in his response speech: "We are absolutely delighted and exceedingly proud to receive these two Queen's Awards, especially in Her Majesty's Diamond Jubilee Year. Our international success in this dynamic global marketplace has been inspired by our on-going innovation and commitment. Despite the economic climate, as a small family-owned business with a fantastic team we have shown that British firms can still realise significant success! Everyone associated with ICC Solutions should feel justifiably proud of this tremendous achievement"

Wendy Maisey, Customer Relationship Director and Co-Founder gave a well-received speech to the guests in which she thanked the wonderful team at ICC Solutions, also making reference to the fact that many clients had come from great distances including California, USA and Ontario, Canada to attend the event. The theme of her speech was that of the company ethos at ICC Solutions, and stated that several of the charities which ICC Solutions supports were represented at the awards event. She incorporated the statement
that "ICC Solutions success will never be solely measured by profit or balance sheets", this received a warm round of applause.

ICC Solutions is a member of ACT Canada; please visit http://www.iccsolutions.com/.


For more than 22 years, ACT Canada has been the internationally recognized authority in the market. As the eyes, ears and voice for stakeholders focused on secure payment, mobile, NFC, loyalty, secure identity, and leveraging EMV, we promote knowledge transfer, thought leadership and networking. We help members protect their interests, advance their causes, build their business and grow the market. We take a neutral and non-partisan approach to all issues, facilitating collaboration among issuers, brands, acquirers, merchants, regulators, solution providers, governments and other stakeholders. Over 50% of our members have been with us for more than 5 years, enjoying ongoing value from their affiliation with ACT Canada. To learn more about membership, please contact Eileen Cassidy at 1 905 426-6360 x122.

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.