Stakeholders Driving Payment Evolution and Digital Identity

September 2012 ACTion Newsletter

IN THIS ISSUE

  1. Editorial - What...When...Why
  2. Royal Canadian Mint Announces Winners In The Mintchip(Tm) Developer Challenge
  3. Interac Flash Provides Esso Customers With More Convenience
  4. Tsys Preps For NFC With CIBC
  5. Canadian Government To Extend Plastic Card Code To Mobile Payments – Members Only Story
  6. MasterCard Unveils Payments Future In Cashless Society
  7. NBS Technologies Announce Installation Of Trusted Service Manager
  8. WalMart Tests iPhone App Checkout Feature
  9. Isis Delays Launch Date Again – Members Only Story
  10. G&D Adds Visa Mobile Approval To Its Worldwide TSM Services
  11. SecureKey Partners With Dell For Cloud-Based Authentication Platform
  12. Ingenico's Iwl2 Series Mobile Payment Terminals Are First Devices To Connect And Accept Payment On At&T's 3g Wireless Network
  13. INSIDE Secure And Taztag Deliver Secure, NFC-Enabled Android Tablet
  14. UK Operators Get Green Light To Join Forces On 'Project Oscar' Contactless Payment And Wallet Offering – Members Only Story
  15. Gemalto Enables Moneygram To Offer International Money Transfers On Mobile Devices
  16. Canada Post Delivers Innovation With Next Generation Of Epost
  17. Interac Flash Is The Newest Hit At HMV Canada
  18. EMVCo, NFC Forum Join Forces To Simplify NFC Testing – Members Only Story
  19. NXP Extends ESD Protection Portfolio For High-Speed Interfaces
  20. Future's Here As YESpay Launches I-EasyV Chip & Pin Payments For POS Web Apps
  21. Target To Offer 5% Savings Every Day In Canada With REDcard Rewards
  22. Oberthur Technologies And Zvetco Biometrics Collaborate To Bring Biometrics Authentication To Company Computing Environments
  23. Card Personalization Validation Of Mobile MasterCard PayPass Made Easier
  24. Incentives Are Key To NFC 'S Growing Adoption – Members Only Story
  25. Torontonians Have An Appetite For A New Kind Of Food Revolution: Cashless
  26. MasterCard Extends US EMV Migration Roadmap To ATMs
  27. Now Arriving: Scotiabank American Express Travel Rewards Cards Land In Canada
  28. Infineon, NXP, G&D Join 'New P@Ss' Research Project
  29. Collis Test Tools Qualified By Discover For D-Pas Acquirer End-To-End Testing
  30. Gemalto Expands Mobile Payment Software Solution With Western Union's International Remittance Service
  31. Interac Flash On The Menu At Extreme Brandz
  32. Groupon Launches U.S. Mobile Payments Service – Members Only Story
  33. Barnes And FIME To Receive The Latest MasterCard Qualification For Joint Card Personalisation Test Too
  34. INSIDE Secure Debuts First In A Family Of EMV-Compliant Smart Card Reader Controllers

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

Credit Union Central of Canada ~ member since 1990
Ingenico ~ member since 1990
Walmart Canada Bank ~ member since 2011

GENERAL

A LA CARD Marketing & Consulting Services Ltd. ~ member since 2004
Deloitte ~ member since 2007
Suncor Energy Products Inc ~ member since 2010
Transaction Network Services ~ new member

JOB OPPORTUNITIES

ACT Canada has launched a Job opportunities section on our web site.  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

To receive the member discount code for any of the conferences listed below, please contact Andrea McMullen – andrea@actcda.com.

MAG 2012 Annual Conference
October 16 - 18, 2012
Phoenix, AZ, USA
www.merchantadvisorygroup.org
ACT Canada will be presenting the EMV Roadshow at this event

The ATM Debit & Prepaid Forum
October 22, 2012
Phoenix, AZ, USA
http://www.paymentssource.com/conferences/atmdebit/
ACT Canada will be presenting the EMV Roadshow at this event

Cardware Connections & ACT Canada's Annual General Meeting
October 30, 2012
Toronto, ON, Canada
For more details visit www.actcda.com 
This event is exclusive to ACT Canada members

Cartes
November 6-8, 2012
Paris, France
www.cartes.com
ACT Canada members receive discounts 

11th Annual Smart Card Alliance Government Conference
November 28-30, 2012
Washington, DC, USA
www.smartcardalliance.org 
ACT Canada members receive discounts

Cardware 2013: Payment Insights
June 18-19, 2013
Marriott Gateway on the Falls
Niagara Falls, ON, Canada
www.actcda.com 
ACT Canada members receive discounts


1. EDITORIAL COMMENT
Source: Catherine Johnston, President & CEO, ACT Canada (09/26)

What...When...Why?

 The pace of change in the payment sector dictates that there will always be some confusion.  Look at a number of the things we are currently pondering.

- Why didn't Apple clearly signal their preference for Bluetooth or NFC in their recent release?  What does that mean for merchants making decisions about their point of sale infrastructure?  This is particularly true in the US and China, where EMV liability shift dates are set for 2015.
- What should we think of the recent ISIS announcement that their wallet will be delayed?
- At the same time, what does it mean when leading American merchants decide to establish their own wallet?  MCX, the Merchant Customer Exchange, approaches the space from a different stakeholder position.

And speaking of the US,

- Will the legal requirements to be compliant with the Durbin amendment impact stakeholders' ability to meet EMV requirements?
- When will we see relief from cross border fraud?
- When will we be able to close the door on mag stripe vulnerabilities?

I wish I had the answer for all of these.  We'll continue to monitor these situations on behalf of our members.  On October 30th ACT Canada members will be able to talk with Dodd Roberts of the new MCX as he presents at Cardware Connections, our networking and AGM event.

Well these are just a few of the questions.  Who knows what we will add to the mix after Cartes?  Let me leave with a question I'd like you to answer.  Will you be a part of the Prepaid, Mobile, POS or ID Strategic Leadership teams this year? 


2. ROYAL CANADIAN MINT ANNOUNCES WINNERS IN THE MINTCHIP(TM) DEVELOPER CHALLENGE
Source: Royal Canadian Mint (09/24)

The Royal Canadian Mint is pleased to announce the winners in the MintChip Developer Challenge. More than $50,000 worth of prizes will be awarded to the winners later in the fall.

"The submissions we received for the Developer Challenge showed the unbelievable creativity of the North American developer community and the depth of its passion for bringing the MintChip concept to life," said Ian E. Bennett, President and CEO of the Royal Canadian Mint.  "I would like to congratulate the winners and all those who submitted many interesting and innovative ideas for possible uses of this technology."

Winners in the following categories are as follows:

- Best Overall App – Grand Prize MintWallet; Second Prize Pennies a Day; Third Prize FlashCash: Pay all at once!
- Best Person-to-Person App - MintWallet
- Best Business-to-Consumer App – FlashCash: Pay all at once!
- Best Micropayment App – Pennies a Day
- Large Organization Recognition Award – DonRiver MintChip App
- Popular Choice Award – Mini Checkout

Winners were selected by a seven-member panel of judges that consisted of Osama Bedier, Vice President of Payments, Google; David Birch, Director, Consult Hyperion; Bob Borchers, General Partner, Opus Capital; David Crow, Chief Marketing Officer, Maintenance Assistant Inc.; Jeff King, Senior Director X.commerce Platform Partnerships, eBay; Amanda Lang, Senior Business Correspondent for CBC News and Anchor of The Lang & O'Leary Exchange and the Mint's President and CEO, Ian E. Bennett. The winner of the Popular Choice Award was determined through public voting.

Winners of the Ideas Challenge can be found by visiting ideas.mintchipchallenge.com

The MintChip digital currency employs innovative technology, for which the Mint has prototypes and eight patents pending in all major world markets, and could be the digital equivalent of the coins Canadians use every day to carry out financial transactions with retailers and with each other. It uses a secure chip to hold electronic value and a secure protocol to transfer electronic value from one chip to another.  

The MintChip Developer Challenge began on April 4 when developers from across North America were invited to test the technology as part of the continuing research and development of MintChip and to determine its applicability to the current marketplace. The results of the Developer Challenge will form part of the Mint's ongoing evaluation of possible next steps in the development of the MintChip technology. 

The winning submissions can be seen in the Application Gallery at www.MintChipChallenge.com.   

The Royal Canadian Mint is a member of ACT Canada; please visit http://www.mint.ca.


3. INTERAC FLASH PROVIDES ESSO CUSTOMERS WITH MORE CONVENIENCE
Source: Interac (08/29)

Interac Association announced that Imperial Oil has committed to roll out Interac Flash enabled readers at participating Esso-branded retail stores in Canada. Cardholders will be able to purchase gas or other items by making a contactless debit transaction using Interac Flash. The feature will be available to use inside participating Esso stores.

Imperial Oil will be testing Interac Flash transactions later this year at some Esso stores in Canada, with acceptance at participating Esso sites nationally planned for 2013.

"We are delighted that Imperial Oil will be accepting Interac Flash at participating Esso stations nationwide," said Mark O'Connell, President and CEO, Interac Association and Acxsys Corporation. "Enabling customers to use money from their bank accounts to pay for gas and other items faster than ever before helps improve the payment experience for both the cardholder and the merchant."

Interac Flash, a contactless enhancement of Interac Debit, enables cardholders to make a quick, convenient and secure transaction by holding their card in front of the contactless reader at the point-of-sale. There is no need to insert their card or enter a PIN. Interac Flash leverages EMV technology and the existing chip debit infrastructure, which protects it from fraud tactics such as copying and electronic pick-pocketing. It provides strong consumer protections and other unique security features that Canadians expect from the Interac brand. Cardholders are protected from unauthorized transactions under the Interac Zero Liability Policy*.

"Imperial Oil is committed to providing customers with innovation that will help improve and simplify the check-out experience," said Andrew Mackay, Retail Manager, Fuels Marketing, Imperial Oil. "Interac Flash will enhance the point-of-sale process by allowing customers to pay for gas, food, beverages and other essential items using their money faster and more conveniently."

"Moneris Solutions, Canada's largest payment card processor, is excited to facilitate the rollout of Interac Flash at participating Esso locations across Canada," said Jeff Guthrie, Chief Sales and Marketing Officer, Moneris Solutions. "At Moneris, we strive to be a leading provider of high-value innovative payment solutions that drive cost efficiencies for our customers and Interac Flash delivers on all fronts."

With this announcement, Imperial Oil joins a growing list of Canadian merchants who have committed to accept Interac Flash.

Imperial Oil, Interac Association and Moneris are members of ACT Canada; please visit http://www.imperialoil.com, http://www.interac.ca & http://www.moneris.com.  


4. TSYS PREPS FOR NFC WITH CIBC
Source: NFC World (09/17)

Payments supplier Tsys has added North American support for its Tsys NFC Payment Solution, in preparation for Canadian bank CIBC's planned launch of commercial NFC services. Tsys's technology works with any TSM and enables mobile account creation and mobile device identification as well as support for generating the EMV data necessary for provisioning a mobile device. It also supports lifecycle management scenarios such as dealing with lost or stolen devices and the re-provisioning of card data for reissue and product changes.

CIBC is a member of ACT Canada; please visit http://www.cibc.com


5. CANADIAN GOVERNMENT TO EXTEND PLASTIC CARD CODE TO MOBILE 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/ september-2012-newsletter.html

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


6. MASTERCARD UNVEILS PAYMENTS FUTURE IN CASHLESS SOCIETY
Source: The Green Sheet (09/21)

At a gathering in New York City, MasterCard showcased an array of products and services demonstrating ways in which the company uses technology and innovation to grow its business, diversify across geographies and customers, and build new business. By driving growth through innovation, MasterCard is advancing commerce to the benefit of governments, businesses, merchants and consumers around the globe.

"As people – whether for business, personal or pleasure – continue to seek simple, more secure and smarter methods of payment, MasterCard is providing a sophisticated set of products and services to make day-to-day commerce easier," said Gary Flood, President, Global Products and Solutions at MasterCard. "From major cities to emerging markets, we are committed to advancing the evolution of digital payments technologies that strike the right balance between the wants and needs of all parties, and importantly, delivers the best consumer experience."

MasterCard highlighted four key areas where Growth Through Innovation is fundamental to the future of electronic payments

- Expanding Reach: Providing tools necessary for governments and merchants to ensure that all citizens worldwide are able to participate in the global economy. Some examples from MasterCard include:
     --South Africa using electronic payments to distribute Social Security benefits;
     --The Wanda Joint Venture in Latin America, allowing consumers to use mobile money solutions through a basic flip phone to pay merchants at the point-of-sale;
     --Accepting payments through mobile point-of-sale (MPOS) devices such as iZettle, Square, etc; and

- Transforming the Shopping Experience: Evolving the shopping experience by creating experiences that exceed consumer and merchant needs and expectations. Some examples include:
     --Highlighting PayPass Wallet Services across an array of devices – from laptops to smartphones to TVs;
     --How merchants will be able to accept PayPass Wallet Services payments at a brick and mortar location;

- Experiences Beyond Payments: Developing new ways to enhance the consumer experience beyond payments. Some new ways MasterCard is doing this include:
     --Enhancing consumer experiences through the Priceless Cities and World Elite programs;
     --Providing small business owners with new tools and networks with MasterCard Business Network; and,

- Leveraging the Power of Technology: At the heart of all this innovation are the MasterCard Network and Advisors services – delivering safe, simple and smart payment solutions. 

These new and innovative products and solutions continue the ideal that paying is no longer a one-way transaction. MasterCard is enabling consumers and merchants to engage in a dialogue that allows both parties to share information and help provide new value.

MasterCard is a member of ACT Canada; please visit http://www.mastercard.ca.


7. NBS TECHNOLOGIES ANNOUNCE INSTALLATION OF TRUSTED SERVICE MANAGER

Source: NBS Technologies (09/12) 

NBS Technologies announce they have secured an additional installation of Xpressi Trusted Service Manager (TSM). The TSM installation will take place in Europe in early October. 

Trusted Service Manager is a critical component in mobile payments. The TSM works behind the scenes to make the entire process of downloading payment account information onto your cell phone efficient and secure. The TSM integrates both banking and mobile phone security systems, to ensure that consumer credit card information is completely secure.

"The mobile payment market is rapidly expanding and NBS is uniquely positioned to enable our clients to meet the needs of their customers," said Mike Fisher, NBS Software General Manager. "NBS has several years of experience working with Near Field Communication (NFC) and the TSM is an extension of that expertise."

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


8. WALMART TESTS IPHONE APP CHECKOUT FEATURE

Source: Reuters (08/31) 

Wal-Mart Stores Inc is testing a system that would allow shoppers to scan items using their iPhones and then pay at a self-checkout counter, a move that could trim checkout times and slash costs for retailers. 

If the "Scan & Go" test by the world's largest retailer is successful, it has the potential to change the way people shop and pay, making the process more personal and potentially faster. 

Earlier this week, Walmart invited employees with Apple Inc iPhones to participate in a test at a Walmart supercenter in Rogers, Arkansas, near the company's headquarters, according to a form on the Survey Monkey website.

"All of the effort is to speed your way through the checkout so that we can reduce costs and improve the shopping experience," said Paul Weitzel, managing partner at retail consulting firm Willard Bishop, who said he had not seen Wal-Mart's test. "With smartphones and improved technology we're only going to see more of this." 

The test comes months after Wal-Mart said that it would add more self-checkout lanes at its Walmart and Sam's Club stores as it continues to look for ways to lower costs and prices for its shoppers. 

Pushing more shoppers to scan their own items and make payments without the help of a cashier could save Wal-Mart millions of dollars, Chief Financial Officer Charles Holley said on March 7. Wal-Mart says it can save $12 million a year for every second it can cut from the average checkout time at the Walmart chain in the United States.

Shoppers often complain on Twitter and in other forums that it takes too long to pay at Walmart, where sometimes only a few of the several checkout lanes are open and staffed with cashiers. While some retailers employ baggers to speed up the checkout process, at Walmart one employee scans and bags items. 

"We're continually testing new and innovative ways to serve customers and enhance the shopping experience in our stores," said Wal-Mart spokesman David Tovar. 

Walmart's iPhone app already includes functions such as letting shoppers create lists and seeing which items are in stock.

The test comes as retailers and restaurants are trying to figure out ways to speed up the checkout process by letting customers pay with a tap of their smartphones. 

In the Walmart iPhone scanning test, shoppers can scan products with their phone and put them in bags while they shop, and then pay at a self-checkout counter.

The test does not allow users to pay on their phone. The app transfers the scanned items to the self-checkout kiosk and then shoppers complete the transaction using the normal self-checkout process.

Walmart declined to give details on where the test might lead, but it could conceivably allow for scanning on other smart phones and be paired with mobile payment. 

Wal-Mart earlier this month said it was joining with other retailers to develop a mobile payment network, a retailer-led initiative that would match similar services by Google Inc and eBay Inc, among others.

While self-checkout aisles are common at many stores, the ability to scan items with one's mobile phone while shopping is not a typical process. Among other tests, Supervalu Inc's Jewel-Osco chain once let shoppers use handheld scanners and then enter that information at the checkout to pay, but that test ended years ago. 

"This is probably the fourth technology that we've tried between shopping carts, RFID chips, the handheld scanners and now we've got smartphones," Weitzel said of the retail industry. "We're looking for ways to improve that experience as an industry."

Wal-Mart's test appears to be limited to one store, but it appears that the company sought out participants beyond its staff for its study. The company asked employees to reach out to friends and family in its search for participants, according to a copy of an email sent by the company's @WalmartLabs team and obtained by Reuters. A company spokesman would not verify this on Friday afternoon.

Wal-Mart offered participants in one-hour sessions $100 for their time and a $25 gift card to use in the store for purchases, according to the form on the Survey Monkey website. 

Wal-Mart is a member of ACT Canada; please visit http://www.walmart.ca.


9. ISIS DELAYS LAUNCH DATE AGAIN – 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/ september-2012-newsletter.html

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


10. G&D ADDS VISA MOBILE APPROVAL TO ITS WORLDWIDE TSM SERVICES
Source: Bob's Guide (09/25) 

Visa has approved the TSM (Trusted Service Manager) centers operated by Giesecke & Devrient (G&D) in Munich and Toronto for commercial NFC applications. 

After previously receiving MasterCard certification for its two TSM hubs last year, the technology group can now offer worldwide TSM services for contactless payment applications based on Visa's payWave and MasterCard's PayPass™ technology.

This places G&D in an excellent position to roll out commercial NFC services such as payment and ticketing applications for mobile phones.

The Trusted Service Manager is a key component for the rollout and operation of secure NFC services. G&D's TSM platform enables diverse market players such as banks, mobile network operators, and public transportation operators to securely install and manage their own NFC applications on their customers' mobile phones.

Visa issued its approval after a series of tests had been carried out on critical security features and functions. The G&D data center in Munich was already running pilots using the Visa payWave payment application. Now that they have also been approved by Visa, G&D will be able to offer service providers the option of having the Visa payWave payment application installed, personalized, and managed Over-the-Air (OTA) in protected memory devices such as mobile-phone SIM cards or Embedded Secure Elements. Account data and other sensitive information are transmitted in multiple-encrypted form. Once the service has been activated, end users can use their mobile phones to make contactless payments at several hundred thousand merchant contactless terminals around the world.

"Now that Visa has approved our TSM facilities in Munich and Toronto, G&D is in an excellent position to offer contactless payment applications worldwide," said Michael Kuemmerle, Group Executive Mobile Security at Giesecke & Devrient. "Being approved by the world's largest retail payment networks is proof that these centers meet critical security and reliability requirements," Kuemmerle adds.

By operating two separate but interlinked data centers, one in Munich and the other in Toronto, G&D can guarantee service providers uninterrupted access even if one of the centers should encounter technical problems.

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


11. SECUREKEY PARTNERS WITH DELL FOR CLOUD-BASED AUTHENTICATION PLATFORM
Source: SecureID News (09/07) 

SecureKey Technologies has partnered with Dell to create an end-to-end private cloud infrastructure. The platform is geared toward SecureKey's m- and e-commerce business lines. 

The product incorporates Dell's servers, storage, security, switches and VMware, along with its IT consulting and deployment services. It aims to provide SecureKey's new customers and government contracts with a scalable cloud product.

SecureKey's Credential Broker Service has been able to implement this product for the Government of Canada. The end result of the project allowed Canadians to use their bank credentials to access online government services. It incorporated many Dell products to create a private cloud architecture that required fewer servers than traditional environments.

 SecureKey plans to continue leveraging Dell's products in adding more clients in the online security space.

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


12. INGENICO'S IWL2 SERIES MOBILE PAYMENT TERMINALS ARE FIRST DEVICES TO CONNECT AND ACCEPT PAYMENT ON AT&T'S 3G WIRELESS NETWORK
Source: Ingenico (09/05)

Ingenico announced that its latest iWL2 series mobile point-of-sale (POS) devices have obtained certification through AT&T's 3G Wireless Network. With this certification, the iWL2 series terminals become the payment industry's first secure wireless devices to operate on the 3G network.

Built on Ingenico's industry leading Telium2 architecture, the iWL2 series represents the smallest and most lightweight secure mobile payment devices on the market today. With 3G connectivity and color screen option, the iWL2 series provides merchants with convenience to engage customers anywhere and accept payments on the move, quickly, and securely. The device is capable of accepting all forms of electronic payments, including magnetic stripe contact and contactless, EMV contact and contactless, and mobile wallet (NFC-based) transactions. Specifically designed for mobility, the device is equipped with the most advanced features and cellular technology, which makes it ideal for various use cases like home delivery, restaurants, sporting events, field services, and other mobile payment venues.

"Mobile technology has changed almost every aspect of our daily lives including how consumers shop for products. Adoption of mobile payment technology to harness this evolution can create customer loyalty, keep the checkout lines clear, and take payment beyond the brick and mortar storefront," said Gregory Boardman, Senior Vice President, Product & Development, Ingenico North America. "The iWL2 series devices provide additional features such as extended battery life and a fast receipt printer found to be more attractive with mid-to-high volume small merchants.

Additionally, Ingenico has demonstrated new capabilities for wireless payment terminals such as pairing with commercial tablet solutions for enterprises. The fact that it's the first mobile POS device series to secure AT&T's 3G certification is further testament of Ingenico's focus on leadership in mobile, EMV and contactless payments."

The iWL2 series mobile devices are readily available for purchase and distribution through Ingenico's authorized distributors in North America. 

Ingenico is a member of ACT Canada; please visit http://www.ingenico.com.  


13. INSIDE SECURE AND TAZTAG DELIVER SECURE, NFC-ENABLED ANDROID TABLET
Source: INSIDE Secure (09/17)

INSIDE and TazTag introduced the TazPad V2, a fully featured 7-inch Android 4.0 (aka Ice Cream Sandwich, or ICS) tablet computer that give solution providers an ideal solution for use in mobile banking, stock management, payment, ticketing, access control, identity and other sensitive and secure applications.  Available now from TazTag, the new TazPad tablet combines the EMVCo-certified secure near field communication (NFC) capabilities provided by the INSIDE Secure SecuRead® NFC module and Open NFC™ protocol stack with biometric authentication capabilities and an extensive array of wireless connectivity technologies to enable solution providers to efficiently support a variety of commercial, professional and consumer mobile applications. 

"Our TazPad combines the security features of the SecuRead module and biometrics with robust wireless connectivity to create a unique mobile platform solution providers can employ for secure applications," said Eric Fouchard, president at TazTag.  "The TazPad enables a variety of new use cases, and several pilot projects are coming online shortly in Europe, South Africa and India in the areas of home care, eGovernment and eID applications, all of which take advantage of the strong, biometric-based authentication capabilities of the TazPad."

The TazPad uses the EMVCo-certified secure element of the SecuRead module to securely store fingerprint images, which can then be compared to those gathered through the built-in fingerprint scanner for authentication purposes.  Also new in this updated tablet is a multi-core ARM Mali-400 MP graphics accelerator, built-in 3G wireless connectivity, 1 USB Host,  a micro-USB port for battery charging and a more powerful 6000-mAh LiPO battery.

"The TazPad clearly demonstrates how easily our SecuRead module and open-source Open NFC stack can be used with Android 4.0 to enable manufacturers like TazTag to greatly speed development and time to market while offering robust security capabilities," said Bastien Latgé, vice president mobile solutions for INSIDE Secure.  "Our SecuRead module combines our award-winning MicroRead® NFC controller with an EAL 5+ and EMVCo certified secure element to enable tablet manufacturers to include all of the security and application functionality required for a range of applications."

The Taztag TazPad v2 supports NFC, Wi-Fi, ZigBee®, Bluetooth and 3G wireless connectivity, and includes a large fingerprint scanner.  It is also equipped with 8+16 GB of flash memory, a MicroSD slot for up to 32GB of memory, a 7-inch (800 x 480) screen, 2 Mpixel front- and 5 Mpixel rear-facing cameras, autonomous and assisted GPS, a three-axis accelerometer, a magnetometer and an ambient light sensor.

The INSIDE Secure SecuRead NFC module is well known for offering the smallest footprint, lowest bill of materials count and lowest standby current available today.  The SecuRead module provides the largest OS and applet storage capacity on the market, as well as the largest applet library, boasts the industry's fastest transaction speed and is the only product of its kind with support for HID iClass access control applications.

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


14. UK OPERATORS GET GREEN LIGHT TO JOIN FORCES ON 'PROJECT OSCAR' CONTACTLESS PAYMENT AND WALLET OFFERING – 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/ september-2012-newsletter.html

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


15. GEMALTO ENABLES MONEYGRAM TO OFFER INTERNATIONAL MONEY TRANSFERS ON MOBILE DEVICES
Source: Gemalto (09/18)

MoneyGram and Gemalto the world leader in digital security, announced a global agreement to provide MoneyGram services over Gemalto's LinqUs Mobile Money solution.

MoneyGram's money transfer platform will be integrated with Gemalto's LinqUs mobile payment platform solution, allowing customers to send international transfers from a mobile phone to one of MoneyGram's 284,000 locations worldwide or receive transfers directly to their mobile wallet. Gemalto Mobile Financial Services clients, including banks and mobile operators, will be able to connect directly to MoneyGram's global network and offer convenient and secure mobile remittance services.

"MoneyGram is actively developing new mobile and online channels to meet our customers' evolving needs to access cash quickly, easily and globally," said Carl Scheible, executive vice president, MoneyGram Europe and Africa. "Gemalto has relationships with more than 450 mobile operators and 3,000 financial institutions worldwide. Their extensive experience with global mobile financial services brings a secure environment that extends MoneyGram's money transfer services to consumers and gives them more options."

Gemalto's LinqUs Mobile Money solution allows people to use mobile phones to access bank accounts, make payments and peer-to-peer transfers, and buy airtime. Mobile Money services also help connect a broader consumer segment with money transfer options. 

"Cross-border mobile money transfer has compelling value for senders and recipients worldwide in terms of convenience, reliability and safety," said Jean-Claude Deturche, Gemalto senior vice president, Mobile Financial Services. "Leveraging consumer trust in MoneyGram and their extensive global reach, we enable our customers to provide their end-users with convenience and flexibility to get money where it's needed quickly and securely, anywhere in the world."

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


16. CANADA POST DELIVERS INNOVATION WITH NEXT GENERATION OF EPOST
Source: Canada Post (09/12)

Canada Post is enhancing epost, Canada's digital mailbox, creating a platform that brings greater functionality for Canadians and sets the foundation for delivering enhanced government and business services. The latest iteration of epost offers better design and navigation, enhanced tools to manage bills and an unparalleled authentication process that links digital identity with a user's physical address.

"We believe that epost can play a key role in the growth of Canada's digital economy," says Kerry Munro, Group President of the Digital Delivery Network, Canada Post. "With authentication, epost extends beyond bills and can deliver more sensitive, evidentiary documents that require user and address validation while providing a more secure and efficient e-delivery solution for consumers to communicate with business and government."

The new platform launches in Kitchener Waterloo, a hotbed for innovation and technology, and will signal a series of epost innovations that will roll out nationally into 2013 to offer greater convenience, content, services, safety and security to Canadians, business and government.

Canada Post knows addresses: authentication means Kitchener Waterloo epost users can link their digital identity with their physical address, helping validate their identity. As privacy becomes an increasingly contentious issue online, both government and businesses grapple with how they can provide e-services safely and securely, while protecting Canadians' personal information. Through authentication, Canadians will be able to share more sensitive and secure information with government and business. 

Authentication offers a solution to government bodies looking for safe ways to provide e-services to constituents, like license sticker or parking permit renewals, and businesses looking to offer more flexible, secure online transactions. This enables governments and businesses to reduce fraud and costs related to online infrastructure, technology or customer service.

epost is the largest bill consolidation solution in Canada. With over 7.7 million Canadians having registered with epost, and over 100 participating businesses – including 17 municipalities – epost has a robust, safe and secure foundation that allows Canada Post to enhance the scope of services available in the future.

"We understand what Canadians want: fast, easy, safe and secure consolidation of their bills, and other essential documents, that they can manage in one place and pay through their online banking," adds Munro. "Canada Post has been delivering to Canadians' physical doorstep for more than a century and now we are well positioned to enhance delivery to Canadians' digital mailbox."

For Canadians already paying their bills through online banking, but accessing their bills or essential documents via email or having to visit multiple sites with multiple logins and passwords, epost provides one convenient, safe and secure way to manage your household affairs. Personal information stays within Canada's virtual borders, and is not exposed to foreign privacy acts or servers.

Canada Post is a member of ACT Canada; please visit http://www.canadapost.ca.


17. INTERAC FLASH IS THE NEWEST HIT AT HMV CANADA
Source: Interac (09/19)

Interac Association announced that HMV Canada has joined the growing number of merchants who accept Interac Flash, allowing HMV customers to make contactless debit transactions when purchasing their favourite music, DVD, Blu-ray, books and more. Interac Flash, which is an enhancement of Interac® Debit, is Canada's first contactless debit technology.

"HMV has been Canada's leading entertainment retailer for the past 20 years, and we're very pleased it is making the buying experience even better for its customers by offering Interac Flash," said Mark O'Connell, President and CEO, Interac Association and Acxsys Corporation. "This value-added payment technology helps speed up the checkout process for shoppers and is perfectly suited to an innovative company like HMV."

"Since we opened our first store in 1986, HMV has strived to offer its customers not only the best available products but also outstanding in-store experience and customer service," said Nick Williams, President, HMV Canada. "Offering Interac Flash as a payment option will enhance that experience because of its speed, convenience and security."

HMV will pilot Interac Flash-enabled terminals starting in October and expects to have them in all of its stores across Canada by March 2013. The deployment will be managed by STJ Retail and Global Payments, one of the world's largest electronic transaction processing companies.

 "We're pleased to be working with HMV on the rollout of Interac Flash," said Jeff McGuire, Vice President, of Product Delivery and Technology for Global Payments' Canadian operations. "At Global Payments, we're committed to providing our customers with value-added payment solutions like Interac Flash that are cost effective and help drive their business efficiencies."

Global Payment, Interac Association and STJ Retail are members of ACT Canada; please visit http://www.globalpaymentsinc.com,   http://www.interac.ca & http://www.stjretail.com.  


18. EMVCO, NFC FORUM JOIN FORCES TO SIMPLIFY NFC TESTING – 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/ september-2012-newsletter.html

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


19. NXP EXTENDS ESD PROTECTION PORTFOLIO FOR HIGH-SPEED INTERFACES
Source: NXP (09/06)

NXP Semiconductors N.V. announced its expanded range of circuit protection devices combining both ultra-low capacitance and ultra-low clamping voltages. With high ESD robustness exceeding IEC61000-4-2 level 4 on system level, NXP's ESD protection portfolio now includes 15 devices ideal for protecting high-speed signal lines such as HDMI, MHL, MIPI, DisplayPort, eSATA, Thunderbolt, USB 3.0/2.0 and Ethernet.

Highlights of the latest additions to NXP's ESD protection portfolio include:

- Deep snapback combined with very low dynamic resistance. Highly sensitive to ESD pulses, the latest system-on-chips (SoCs) for ultra-high-speed data lines require system-level circuit protection up to 10 kV (IEC61000-4-2), as well as extra support for signal integrity. The NXP IP4294CZ10-TBR and IP4369CX4 are designed to protect even the most sensitive high-speed interfaces: They offer a unique blend of deep snapback (2.95 V typ @ 1A) and a very low dynamic resistance of only 0.4 Ohm and 0.2 Ohm, respectively. The IP4294 is already used for USB 3.0 applications by major players in the industry and offers the strongest overall SoC protection against ESD pulses. It is housed in a leadless DFN2510A-10 (SOT1176) package that is designed for pass-through routing which optimizes signal integrity and simplifies board layout. The IP4369, with only 0.8 pF (typ), provides the strongest SoC protection in the popular WLCSP4 (Wafer Level Chip Scale package) footprint.

- Low clamping / standard breakdown devices. NXP also provides low clamping parts without snapback for universal use, including applications connected to DC current sources with high current limits, such as Vbus. These include uni- and bi-directional ESD protection devices up to 5 lines such as PESD5V0X1BCL, PESD5V0X1BCAL, PESD5V0F5UV or the PESD5V0X1U family. These devices offer best-in-class overshoot and clamping voltages (of 7.5 V after 30 ns for an 8 kV ESD pulse, in compliance with IEC61000-4-2) and ultra-low capacitance down to 0.49 pF (typ).

- Strongest protection in a tiny footprint. NXP offers package options, including very small and thin plastic SMD and WLCSP down to the 0603 form factor (DSN0603-2, 0201 inch). Other options include NXP's innovative leadless solderable side pads package, which enables visual inspection and provides very robust soldering (DFN1006D-2). These ultra-compact packages make the NXP circuit protection portfolio especially well-suited for space-constrained applications such as smartphones, players, tablets and eReaders.

NXP Semiconductors is a member of ACT Canada; please visit http://www.nxp.com.


20. FUTURE'S HERE AS YESPAY LAUNCHES I-EASYV CHIP & PIN PAYMENTS FOR POS WEB APPS
Source: YESpay (09/10)

YESpay unveils a new Chip & PIN and contactless card payments client solution called i-EasyVforPOS web apps. YESpay in conjunction with EPSON is launching the i-EasyV product at Equipmag 2012, Paris from 11th-13th September.

"Innovative payment and order processing POS solutions running on PCs, tablets, iPads, iPods and smart phones can now use browser based web integration methods for card present payments – a real breakthrough for web developers!", said Simon Curtis, Senior VP of Strategic Sales.

More and more retail POS softwares are moving to a web centric delivery model where the presentation layer for the POS is via browsers over an Intranet Virtual Private Network (VPN) to traditional retailers. Web centric software resolves most of the problems and reduces the costs associated with the usage of such POS systems. i-EasyV payments client software can run on any store PC(Linux or Windows) as well as on thenew innovative intelligent thermal printer hardware available from EPSON (TMT88V-DT).i-EasyV has a small installation and updating footprint, and is well suited for low-end computers with low memory and disk space. 

This app is compatible with standard browsers such as Google Chrome, Mozilla Firefox, Apple Safari, and Microsoft Internet Explorer.Offered as a standard part ofYESpay's EasyV-suite family of multichannel payment services, i-EasyV enables AJAX web integration technology to used, at no extra cost!

AJAX Integration with web apps
YESpay proposes 'Asynchronous JavaScript and XML' (AJAX) for integrating payments with web solutions. AJAX is a combination of standard web technologies for browser based web apps. It lets web apps retrieve  data from the server asynchronously in the background without interfering with the display and behaviour of the existing web page. The use of AJAX techniques has led to an increase in interactive or dynamic interfaces on web pages. 

Benefits of YESpay'si-EasyV EMBOSS card payments service

• Continued access to the latest payments technology
• Continued implementation of upgrades and new features every quarter
• Reducedcost of owning and running POS and payments infrastructure
• Easy merchant environment scalability from 1 to 5000 stores/tills
• 24 X 7 access to security, backup and support services
• 'Head Office' central reporting of PCI compliant financial dataanywhere, anytime
• i-EasyV clients can be located centrally at the EMBOSS data centres
• Users can choose different skins and incorporate company logos and colours

YESpay is a member of ACT Canada; please visit http://www.yes-pay.com.


21. TARGET TO OFFER 5% SAVINGS EVERY DAY IN CANADA WITH REDCARD REWARDS
Source: Target Corporation (09/13)

Target Canada announced its guests will receive an additional 5 percent off every day when shopping at Target with its REDcard products, which include the Target Debit Card and Target RBC MasterCard. Similar to the REDcard Rewards loyalty program in the U.S., the additional savings – which apply to almost everything at Target – will be applied instantly at time of purchase, on top of Target's already low prices.

"We're excited to bring the unique Target shopping experience to Canada and offer guests quality products at affordable prices. Our REDcard 5% Rewards loyalty program is an important part of this commitment, and will ensure that our Canadian guests enjoy additional everyday savings when they shop at Target," said Tony Fisher, president, Target Canada. 

The Target Debit Card, a proprietary Target Canada offering, will link to the cardholder's existing chequing account and can be used only at Target stores in Canada.

Royal Bank of Canada will issue the no-annual fee Target RBC MasterCard, which offers cardholders not only REDcard 5% Rewards at Target, but also the ability to earn Target GiftCards® based on their purchases outside of Target. 

Target has announced plans to open 125 stores across Canada starting in March/April 2013.  Beginning in early 2013, in advance of store openings, Canadian guests can apply for both REDcard products online.  Applications for the Target RBC MasterCard will also be available in RBC branches at that time.  Once Target stores are open, Canadian guests will be able to apply for both REDcard products in store. 

Both MasterCard and Target Corporation are members of ACT Canada; please visit http://www.mastercard.ca & http://www.target.com.


22. OBERTHUR TECHNOLOGIES AND ZVETCO BIOMETRICS COLLABORATE TO BRING BIOMETRICS AUTHENTICATION TO COMPANY COMPUTING ENVIRONMENTS

Source: Oberthur (09/24) 

Oberthur Technologies is pleased to announce a technology partnership with Zvetco Biometrics, the best-in-class fingerprint authentication hardware manufacturer and network security solution provider. 

This partnership will enable the delivery of strong authentication solutions to clients, whether they are companies or the government, thanks to the combination of Oberthur Technologies ID-One PIV® smart-card and Zvetco Biometrics Verifi™ fingerprint readers.

ID-One PIV® is the Oberthur Technologies smart-card range which is specifically designed to comply with HSPD-121. ID-One PIV® is the first fully FIPS-202 compliant smart-card for physical and logical access control offering authentication, digital signature, fingerprint Match-On-Card, encryption and post-issuance management capabilities. Some applications like cashless payment can be incorporated making this offer flexible for a corporate market use. 

Zvetco Biometrics' Verifi™ line of fingerprint readers is widely recognised as among the most accurate and robust fingerprint capture devices available anywhere. The P6000 and P6500 are all listed on the GSA Approved Products List (APL) and have been FBI certified as meeting the rigorous FIPS 201/PIV standard. By embracing industry standards, Zvetco Biometrics can claim compatibility with dozens of industry leading software solutions in key user authentication segments such as single sign-on, PKI3, middleware, SDK4, programming languages and more.

"Our partnership with Zvetco Biometrics further extends the benefits of ID-One PIV® within companies at several levels: physical and logical access and documents protection through electronic signatures" said Patrick Hearn, VP ID markets - Americas - Identity Business at Oberthur Technologies. 

"We are very excited about working with Oberthur Technologies which has an exceptional expertise with smart-cards and user authentication. The combination of our products will allow all companies, including small businesses, to benefit from the strong authentication" said Eusebio Coterillo, VP Sales for Zvetco Biometrics.

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


23. CARD PERSONALIZATION VALIDATION OF MOBILE MASTERCARD PAYPASS MADE EASIER

Source: Collis (09/17)

MasterCard announced changes around Card Personalization Validation (CPV) of Mobile MasterCard PayPass M/Chip 4 products, making it easier for issuers to provide essential information to validate their Mobile MasterCard PayPass products. 

The recently updated process guidelines by MasterCard Worldwide for CPV of Mobile MasterCard PayPass products, offers issuers the option to provide an XML image to their service provider for CPV, instead of sending a physical mobile phone.

This additional input format for CPV of Mobile MasterCard PayPass M/Chip 4 enabled products to send to the service provider offers more flexibility to the customer. The XML image can hold the verification of the cryptograms (TC and CVC3) that are needed for the dynamic tests and will substitute a physical mobile phone. Customers that do not want to ship the Mobile device to the CPV service can now send the XML image.

Berend van Geffen, Commercial Director, says: "It's great to see our customers are given more options to validate their Mobile MasterCard PayPass products. This will provide them with more flexibility which hopefully will result in more validated Mobile MasterCard PayPass products. Collis has been accredited to perform CPV Formal Approval for MasterCard products since June 1, 2011. So for all MasterCard validation and certification services, customers can come to Collis."

The thorough test and approval processes have been developed for all aspects of any Mobile MasterCard PayPass implementation in order to promote worldwide interoperability at an acceptable time and cost to all parties. The aim of the testing process is to increase confidence in the smooth implementation of Mobile MasterCard PayPass – everywhere it is accepted and every time it is used.

Collis assists customers with MasterCard Formal Approval Services as well as test tools such as the Collis Mobile MasterCard PayPass Test Suite to support MasterCard's aim to promote worldwide interoperability and a world beyond cash, underscored by convenience and simplicity.

Collis, together with RFI Global and Witham Laboratories, was recently acquired by UL. This makes UL the world's number one independent, trusted competence center for end-to-end transaction security services for the mobile, payment eTicketing and ID management sectors on a global scale. Collis, RFI Global and Witham Laboratories will rebrand to UL by the 1st of November.

 Collis and MasterCard is a member of ACT Canada; please visit http://www.collis.nl & http://www.mastercard.ca.

 


24. INCENTIVES ARE KEY TO NFC 'S GROWING ADOPTION – 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/ september-2012-newsletter.html

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


25. TORONTONIANS HAVE AN APPETITE FOR A NEW KIND OF FOOD REVOLUTION: CASHLESS
Source: Canada Newswire (09/07)

MasterCard Canada and Moneris Solutions(r) are feeding Torontonians' hunger for cashless payment options. On Sunday, September 9th from 2:00 - 9:00 p.m. at Evergreen Brick Works, Moneris Solution's PAYD(tm) mobile solution will allow vendors to accept credit cards, such as MasterCard, and make AwesTRUCK 2012Canada's first-ever Food Truck event to accept mobile payments.

The AwesTRUCK 2012 event is the inaugural awards ceremony that recognizes the culinary creativity of Ontario Food Trucks and celebrates Canada's growing street food scene. The event will feature 16 participating food trucks and vendors will have the ability to accept MasterCard and other credit card payments from the nearly 2,000 expected foodies.

"PAYD allows merchants to swipe credit cards on the spot on a smartphone or tablet, eliminating the need to hold and deposit cash, while providing customers with a convenient payment method," said Malcolm Fowler, Vice-President, Marketing, Moneris. "As Toronto's leading mobile culinary event, Moneris is proud to partner with MasterCard to make AwesTRUCK a truly mobile experience."

Earlier this year, the MasterCard Mobile Readiness Index ranked Canada as the second-best of 34 global markets in terms of being ready to embrace mobile transactions. The report found that Canadians have an appetite to embrace next generation payment options and with a near ready infrastructure, the only ingredient is the device penetration. Mobile solutions, such as PAYD, help to address this concern and connect the dots in the payment space. 

"It's about giving consumers and merchants a smart, simple, safe alternative to cash," said Richard McLaughlin, SVP Global Products & Solutions, MasterCard Canada. "This event is the perfect example of the types of mobile payment options Canadians desire and how small business can reap the benefits." 

The PAYD mobile solution offers small businesses the ability to process credit card payments using their smartphone or tablet devices. The PAYD card reader plugs into the audio port of Apple(r) iOS, Android(tm), and BlackBerry(r) devices. The PAYD mobile solution is backed by the security of Moneris' existing web-based payment processing platform - allowing merchants to access their accounts, transactions and history in a secure manner. 

Food Truck owners such as chef Adam Hynam-Smith and partner Tamara Jensen from El Gastrnomo Vagabundo, believe that mobile payments will make it easier to attract more customers and drive business results. 

"The key for me as a small business owner is that no matter where I park my food truck, I can serve customers efficiently and give them the choice and flexibility that they want when they are paying," said Jensen. "Technology is changing the way we do business and it's great to be able to offer innovations that help me to reach more customers and grow my business."

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


26. MASTERCARD EXTENDS US EMV MIGRATION ROADMAP TO ATMS
Source: Finextra (09/11) 

MasterCard announced the expansion of its U.S. electronic payments roadmap to include the ATM channel. Beginning in October 2016, a liability shift hierarchy will be introduced for ATM transactions in the U.S., as part of an effort to globally align the use of EMV technology to prevent and manage fraud in the payments ecosystem. 

The liability shift will apply to all MasterCard-branded products across all transactions initiated at U.S. ATMs. 

As part of its roadmap unveiled in January, MasterCard identified the need to further secure all channels by means of the implementation of EMV standards in the U.S. The company has taken a leadership role to foster collaboration to drive a smooth migration and advance the U.S. electronic payments system to deliver maximum benefits to consumers and the industry.

"This continues our commitment to look holistically at the next generation of U.S. payments," said Mike Weitzman, Group Executive, U.S. Markets, MasterCard. "As other markets have migrated to EMV, we have seen fraud shift to the least secure channel. By establishing this liability shift, we're advancing efforts to prevent and reduce fraud. At the same time, by making the announcement today, we're providing our issuers, acquirers and ISOs flexibility and sufficient time to manage their ATM technology decisions."

Last fall, MasterCard announced the extension of its existing EMV liability shift program for inter-regional Maestro ATM transactions effective 2013. The program announced today expands liability for U.S. ATM operators to include all EMV-enabled cards used at U.S. ATMs.

Analyst firm Aite Group estimates that fraud costs the U.S. card payments industry an estimated $8.6 billion every year. In addition, the firm's research shows that many industry executives agree that switching to the EMV standard can greatly help to mitigate card fraud, while minimizing risk and maximizing profitability.

"An upgrade of existing U.S. ATM systems to EMV is a necessary next step in the evolution of financial institutions' tactics to keep pace with fraudsters," said Julie Conroy McNelley, research director with Aite Group. "The industry executives we talk to are bullish on EMV migration to reduce their potential vulnerability from mag stripe fraud and make way for future innovations that can help enhance the value of electronic payments to consumers." 

MasterCard was part of the original group that created the EMV standard and has supported the successful migration to EMV-based payments in every major market globally to date. The company's continued investment in advancing these infrastructure standards has provided insights and expertise to guide the industry in advancing payments security and convenience. 

MasterCard is a member of ACT Canada; please visit http://www.mastercard.ca.


27. NOW ARRIVING: SCOTIABANK AMERICAN EXPRESS TRAVEL REWARDS CARDS LAND IN CANADA
Source: Canada Newswire (09/24)

Scotiabank announced the launch of the new Scotiabank American Express Cards, marking a new strategic card-issuing alliance between Scotiabank and American Express. The suite of loyalty credit cards, designed for travel enthusiasts, comes at a time when Canadians are carefully evaluating the rewards they earn on the cards they choose to carry.

"This announcement launches a new collaboration between Scotiabank, Canada's most international bank, and American Express, a leading global brand renowned in the payments sector for excellence in travel, rewards and service," said Anatol von Hahn, Scotiabank Group Head of Canadian Banking. "Starting today, we are able to offer Canadians a new suite of travel cards which we believe lead all others in this market for travel rewards - which we know are particularly important to Canadians. In launching this card, Scotiabank is the only major Canadian bank able to offer customers the benefits of an American Express-branded card." 

"Scotiabank is a tremendous addition to our network of bank partnerships that we have been building across 159 countries around the world," said Manish Gupta, Executive Vice President and Head of American Express Global Network Services - Americas. "By partnering with market leaders like Scotiabank, we can increase the number of American Express-branded products in the marketplace, expand the scale and relevance of our brand in Canada and drive more loyal, high-spending customers to merchants who welcome American Express."

The new Scotiabank American Express suite includes three new cards: the Scotiabank American Express Card, the Scotiabank Gold American Express Card and the Scotiabank Platinum American Express Card. With these new cards, Cardmembers will be able to earn points that can quickly be turned into travel benefits. The Scotiabank Gold American Express Card, for example, carries a new level of value in the market, providing four points for every dollar spent at gas stations, grocery stores and on dining and entertainment and carries a $99 annual fee, one of the most competitive fees in its class.

This suite of travel cards offer a range of exceptional travel benefits including: no blackouts, no points expiry, no seat restrictions and no booking fees; flexibility to redeem points towards all travel purchases made with the card, including those made via a website or travel agent; ability to use points to purchase an entire trip, including all taxes and surcharges; redemption for merchandise and credits to Scotiabank investment accounts or credit card statements; and highly competitive travel insurance benefits, such as Travel Emergency Medical and Rental Car Collision insurance. For further details on the individual cards and rewards, please refer to the attached background information. 

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


28. INFINEON, NXP, G&D JOIN 'NEW P@SS' RESEARCH PROJECT
Source: Telecom Paper (09/24) 

Infineon Technologies and NXP Semiconductors Germany, both manufacturers of security ICs, as well as the specialist for secure chip card systems Giesecke & Devrient (G&D), are investigating the ways in which future generations of electronic identification documents can be made more secure and efficient. The three companies form the German consortium of the 'New P@ss' research project funded by the Federal Ministry of Education and Research (BMBF), in which a total of 15 companies from five EU countries are taking part. 

Nanoelectronics and information technology are focus areas supported by BMBF within the New P@ss research project. The objective is to create data structures and new security chip architectures for modern electronic identification documents. In the future, these should facilitate the secure administration of electronic data in such documents, including the updating of personal details as well as the storage of additional information such as arrival and departure data. Another focus area of the research in the NewP@ss project is the secure use of digital ID documents in mobile applications for smart phones and tablet computers. The research will consider open architectures such as Android, but also Windows Phone and iOS. The objective is to test new mechanisms for secure eGovernment transactions, for example on the basis of a standardised security platform (Trusted Execution Environments). The primary focus is on contactless communication with a Secure Element, the mobile authentication of the user, as well as secure and confidential input and output and storage of user data. 

The New P@ss research project is part of the European Eureka cluster Catrene. It began on 1 May and is expected to end in April 2015. The total volume of the project is about EUR 30 million. Half of this amount will be provided by the business and industry partners, and the other half will be funded by the national governments. The German share amounts to about EUR 8.7 million. The BMBF has funded about EUR 4 million and is one of the most important sponsors in the area of the German government's high-tech strategy in the IKT 2020 support programme. 

All of the 27 EU countries with around 500 million inhabitants currently issue biometric travel documents. Seventeen European countries are already using electronic identification cards. Since 2006, a total of more than 400 million electronic travel documents have been distributed in 108 countries worldwide. Other European countries have announced that that they, too, intend to introduce electronic ID cards that adhere to international standards.

Giesecke & Devrient, Infineon & NXP are members of ACT Canada; please visit http://www.gi-de.com, http://www.infineon.com & http://www.nxp.com.


29. COLLIS TEST TOOLS QUALIFIED BY DISCOVER FOR D-PAS ACQUIRER END-TO-END TESTING
Source: Collis (09/25)

Collis, part of UL, announces the official qualification of both the Collis Brand Test Tool and the Collis Smart Link Box by Discover Financial Services for acquirer end-to-end testing.

In order to get access to the Discover network, acquirers are required to execute the D-PAS Acquirer End-to-End test cases successfully. Moving forward, the Collis Brand Test Tool is qualified to be used for that purpose.

As the United States are heading towards a migration to EMV, it is important for acquirers to have a reliable test tool that can prove their readiness for this migration. Such a test tool should cover all relevant payment scheme brands. With the qualification by Discover, we are proud to say that the Collis Brand Test Tool provides the solution for acceptance testing of payment terminals for the seven largest payments associations worldwide. Consequently, as Discover Financial Services own the brands Discover and Diners Club International, the Collis Brand Test Tool tests the acceptance of both brands.

The Collis Brand Test Tool has the ability to simulate any test card, both contact and contactless. Using card simulation takes away the need for physical cards that can get corrupted or lost. The Collis Brand Test Tool provides clear user guidance and it is fully aligned with the Discover Test Specifications. It also provides full insight in the technical details of the communication between the card and the terminal on the one side and between the terminal and the network on the other side. This allows a tester to gain detailed insight in the behaviour of the system from end-to-end.

"Collis continues to provide high quality test tools for the payment market. We are confident that our customers will benefit from this qualification as it will help them with reducing the time to market and increasing their confidence during the Discover implementation," adds Dirk Jan van den Heuvel, CEO at Collis. 

Troy Bernard, Global Head of Chip Payment Products at Discover commented: "We are glad to add the Collis Brand Test Tool to our offering of qualified test tools for our acquirers. We are looking forward to furthering our cooperation with Collis also in other areas like Contactless, personalization and network simulation."

Collis, together with RFI Global and Witham Laboratories, was recently acquired by UL. This makes UL the world's number one independent, trusted competence center for end-to-end transaction security services for the mobile, payment eTicketing and ID management sectors on a global scale. Collis, RFI Global and Witham Laboratories will rebrand to UL by the 1st of November.

Collis and Discover are members of ACT Canada; please visit http://www.collis.nl  & http://www.discover.com.


30. GEMALTO EXPANDS MOBILE PAYMENT SOFTWARE SOLUTION WITH WESTERN UNION'S INTERNATIONAL REMITTANCE SERVICE
Source: Gemalto (09/25) 

Gemalto announced the expansion of its mobile payment software solution to include the Western Union Money Transfer service. Gemalto's LinqUs Mobile Payment Platform has been certified through Western Union's Mobile Vendor Program to offer end users new options to send and receive money across borders with their mobile phone. This expanded solution is available now to operators and financial institutions worldwide to help them meet the growing demand for mobile remittance services. According to Informa Telecom, the number of users of mobile international money transfers is expected to increase tenfold by 2016, topping 304 million. 

The expansion of its mobile payment software solution builds on Gemalto's expertise in mobile security, integration capabilities and strong track record of 70 mobile financial services deployments across the world. With this added service, operators and financial institutions can leverage Western Union's global network of approximately 510,000 agent locations in 200 countries and territories and facilitate Mobile Money Transfers after individually contracting with Western Union to offer the service. 

"International remittances are critical to the livelihood of families and communities in many developing markets, and we're aiming to make it available to all by building the bridge to the mobile device," said Jean-Claude Deturche, Gemalto Senior Vice President Mobile Financial Services. "Working with Western Union means we can support our customers to effortlessly introduce convenient and reliable mobile money transfer services from virtually anywhere in the world." 

Gemalto's best-in-class software solutions, innovative vision and unique security technology are at the heart of a wide range of Mobile Financial Services, including mobile banking, mobile payment, mobile money, and mobile NFC for proximity payments. Gemalto's portfolio of software applications, secure devices and services is designed to provide service providers with an end-to-end approach to deploying new consumer services with secure and flexible access anytime, anywhere. 

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


31. INTERAC FLASH ON THE MENU AT EXTREME BRANDZ
Source: Interac (09/06) 

Interac Association announced that Extreme Brandz has committed to accept Interac Flash at its 300-plus restaurants across Canada. At participating Extreme Pita, Mucho Burrito and Purblendz locations, guests will soon be able to purchase their food faster than ever before by using Canada's first contactless debit technology, Interac Flash. 

"Operators of successful quick service restaurants like Extreme Brandz rely on speed, convenience and security when facilitating transactions at the point of sale," said Mark O'Connell, President and CEO, Interac Association and Acxsys Corporation. "We're delighted that Extreme Brandz values Interac Flash as a payment solution to help fulfill this need."

 "We're thrilled to be able to offer our customers the speed, convenience and security of Interac Flash," said Mark Cunningham, Vice President, Extreme Brandz. "Part of our commitment to providing an enjoyable restaurant experience is ease and speed of service when ordering menu items, either at the front counter or at the drive-thru. Interac Flash helps us fulfill that commitment." 

Starting this month, Interac Flash will be accepted at participating Extreme Pita and Mucho Burrito locations with rollout to be completed by June 2013. The deployment will be managed by Moneris Solutions, one of Canada's largest payment card processors. 

"We are excited to add Extreme Brands to the growing list of Moneris enabled Interac Flash merchants," said Malcolm Fowler, Vice President Marketing, Moneris Solutions. "Ease of use and cost efficiency for our customers is always a focus for Moneris - innovative payment solutions like Interac Flash help deliver both."

Interac Association and Moneris are members of ACT Canada; please visit http://www.interac.ca & http://www.moneris.com.


32. GROUPON LAUNCHES U.S. MOBILE PAYMENTS SERVICE – 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/ september-2012-newsletter.html

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


33. BARNES AND FIME TO RECEIVE THE LATEST MASTERCARD QUALIFICATION FOR JOINT CARD PERSONALISATION TEST TOOL
Source: FIME (09/05)

MasterCard Worldwide has qualified the first card personalisation validation (CPV) test tool to meet its latest CPV requirements v5.5, which were released in April 2012. This test tool, which has been brought to market in a joint collaboration between Barnes and FIME, allows issuers to accurately and efficiently prepare for the MasterCard CPV certification process, mitigating the risk of issues arising during the final certification stage.

Barnes and FIME began their collaboration in 2011 to combine expertise and effectively meet the requirements of MasterCard. They have continued their cooperation to advance the comprehensive CPV test solution – which comprises Barnes CPV module, Barnes CPV PRO module and PersevalPRO FIME-CPV – for pre-certification of MasterCard and MasterCard® PayPass™ cards. The test tool has been approved by MasterCard after extensive qualification tests, which confirmed that the tool had collectively incorporated the personalisation functionality and security requirements outlined by the payment system. 

Banks, card manufacturers and personalisation bureaux can purchase the tool independently to pre-test a product's adherence to MasterCard standards prior to official certification. 

Christian Delporte, Head of Chip Engineering at MasterCard Worldwide, comments: "We are pleased to see test tools come to market that support the latest CPV requirements. This enables MasterCard issuers to undertake the latest testing and have confidence that their products will successfully perform during the certification stages. As we strive towards a world beyond cash, supporting partners such as Barnes and FIME is extremely important as they, in turn, harness technology to meet the standards we established but are now respected the world over." 

FIME will use the updated tool in its official capacity as an accredited MasterCard service provider to generate the test results required for a product to achieve MasterCard certification. Within FIME's consulting division, it will also use the testing solution to continually evaluate a customer's new payment card activity to ensure that products being brought to market align with MasterCard CPV requirements.

At the same time Barnes CPV module is available to existing and new users of Barnes' CPT 3000v3 and CAT 3000v3, and a separate CPV PRO which includes supplementary tests. The combination of these will allow developers to pre-validate cards prior to approval, using the same tests as employed by FIME's MasterCard approved laboratories. 

Using a test tool throughout the development stages of a new product reduces time to market by eliminating costly and time consuming issues arising during the final certification stage." 

Vincent Poty, Head of Strategy and Corporate Development at FIME, an independent global leader in consulting and integration testing services for smart devices and secure chip-based applications, adds: "FIME's extensive knowledge of CPV requirements complements Barnes' long history of building MasterCard testing tools to resourcefully maintain this product to meet the highest standard, and support the most recent specifications. As a MasterCard accredited service provider, it demonstrates our ability to effectively meet its latest certification needs and ensure customers receive the highest level of service."

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


34. INSIDE SECURE DEBUTS FIRST IN A FAMILY OF EMV-COMPLIANT SMART CARD READER CONTROLLERS
Source: INSIDE Secure (09/25)

INSIDE introduced the AT90SCR200, the first member of a new family of EMV-compliant smart card reader microcontrollers.  Developers who base the design of their smart card readers on this device will be able to more quickly and easily attain EMV Level 1 Type Approval for their products, an important symbol of quality throughout the industry.

"EMV certification has become a universally recognized seal of approval for smart card readers, even for those used in other than payment applications, and provides a powerful indication that a product has achieved the highest level of quality," said Christian Fleutelot, general manager and executive vice president Digital Security for INSIDE Secure.  "Now manufacturers have a trusted source for high-quality, EMV-compliant smart card reader ICs they can have confidence in for use in a broad range of contact and contactless reader applications requiring EMV certification."

The new INSIDE smart card reader microcontroller, complies with the EMV 2000 Version 4.3 Standard, and is also pre-certified to all relevant industry standards, including PC/SC, ISO 7816, GIE-CB, GSM, USB FS 2.0 and WHQL.  In addition, the AT90SCR200 delivers superior communications speeds and features 100-percent byte code compatibility with all current INSIDE AT90SCR-series smart card reader microcontrollers. 

The EMVCo Level 1 Type Approval process tests compliance with the electromechanical characteristics, logical interface and transmission protocol requirements defined in the EMV Specifications.  Type Approval provides an increased level of confidence that interoperability and consistent behavior between compliant applications have been achieved.

The INSIDE AT90SCR200 may be used to create a bridge between a contact or contactless smart card (when used with an RF interface) or USB smart card and the host processor in a variety of card-based systems, including contact USB PC-Link smart card readers, smart keyboard, PinPad, embedded readers and laptop smart card readers and conditional access modules.  It features a robust assortment of communication, smart card and peripheral interfaces for greater flexibility for a variety of application needs, including a SPI interface, USART and two-wire interface, a set of GPIOs and a USB 2.0 full speed device and host controller able to support USB smart cards for maximum design flexibility.

 The AT90SCR200 also includes the proven INSIDE smart card interface block, an ISO 7816 UART compliant with ISO 7816, EMV2000, GSM, GIE-CB and WHQL 5-, 3-, 1.8-V standards that provides up to an 8-MHz clock to the smart card. A newly designed, highly efficient DC-to-DC converter is able to supply 5V (Class A), 3V (Class B) and 1.8V (Class C) output voltages and all the output current required for EMV Level 1 standard compliance.  The AT90SCR200 also includes a hardware AES crypto engine and random number generator, and offers 4KB of data SRAM and EEPROM, plus 64KB of flash code memory, including a dedicated boot loader area. 

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


For more than 23 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.  Please visit http://www.actcda.com or contact our office 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.