Engaging, Enabling and Evolving Commerce in Canada since 1989

November 2013 ACTion Newsletter

IN THIS ISSUE:

  1. EDITORIAL - WHEN IS THE TRUTH NOT ENOUGH?
  2. PC FINANCIAL AND TD ANNOUNCE UGO - CANADA'S FIRST OPEN MOBILE WALLET
  3. ROGERS TO DELIVER FIRST MOBILE WALLET FROM CANADIAN CARRIER
  4. OTTAWA UNVEILS PREPAID CREDIT CARD RULES
  5. ECB SETS OUT DRAFT MOBILE PAYMENTS SECURITY RECOMMENDATIONS
  6. MATTEL AND WALMART CANADA OFFER HOLIDAY SHOPPERS TOYS ON THE GO
  7. SECUREKEY CONCIERGE SERVICE ADDS ING DIRECT AS NEWEST TRUSTED SIGN-IN PARTNER
  8. MONERIS LAUNCHES PAYD PRO, CANADA'S FIRST DEBIT-ENABLED MOBILE PAYMENT SERVICE
  9. CIBC ADDS MOBILE PAYMENTS SOLUTION FOR BUSINESS BANKING CLIENTS
  10. TELENOR SELECTS G&D TO REALIZE NORWAY'S FIRST COMMERCIAL NFC PROJECT
  11. INGENICO LAUNCHING MOBILE PAYMENT SERVICES IN 8 COUNTRIES
  12. OBERTHUR TECHNOLOGIES LAUNCHES MULTISIM FOR MOBILES
  13. GOOGLE WALLET SAYS 'YES' TO PAYING WITH PLASTIC
  14. CANADA POST AND GOECART LAUNCH NEW E-COMMERCE COLLABORATION
  15. VIVO IMPLEMENTS NFC TECHNOLOGY IN BRAZIL WITH GEMALTO SOLUTION
  16. VERIFONE HELPS MERCHANTS MEET GROWING CONSUMER DEMAND FOR QUICK, SELF-SERVICE PAYMENTS
  17. CREDIT CARD NETWORKS PROPOSE GLOBAL DIGITAL PAYMENT STANDARD
  18. PAY IN A FLASH AT SELECT LOBLAW COMPANIES LIMITED STORE LOCATIONS
  19. G&D SUPPLIES AND OPERATES INNOVATIVE SUBSCRIPTION MANAGEMENT SOLUTION FOR FRENCH MOBILE OPERATOR SFR
  20. ISIS LAUNCHES NATIONALLY
  21. FIME ESTABLISHES TESTING INFRASTRUCTURE FOR CONTACTLESS D-PAS PRODUCTS
  22. AMERICAN EXPRESS CANADA SIGNS NEW MULTI-YEAR AGREEMENTS WITH AIMIA & AIR CANADA
  23. MASTERCARD AND OGONE ANNOUNCE THEIR PARTNERSHIP ON THE INTEGRATION AND DEPLOYMENT OF MASTERPASS
  24. FISERV DEBUTS INTERACTIVE MOBILE SALES SOLUTION TO HELP FINANCIAL INSTITUTIONS ACCELERATE REVENUE
  25. OBERTHUR TECHNOLOGIES PARTNERS WITH MBANK TO OFFER MOBILE BRANCHLESS BANKING IN EMERGING MARKETS
  26. IS HCE NFC'S KILLER APP?
  27. RABOBANK, G&D BRING CONTACTLESS SOLUTION TO NETHERLANDS
  28. CIBC EXPANDS MOBILE PAYMENT APP TO BLACKBERRY Z10 AND Q10 SMARTPHONES
  29. FIME ACCREDITED BY VISA TO DELIVER VMPA TESTING
  30. MULTOS CELEBRATES 500 MILLION ISSUED DEVICES
  31. UL TO CERTIFY FIRST MIFARE CLASSIC CARD
  32. HIGH-POWER RFID / NFC MOUNT ON METAL READER FOR CONTACTLESS APPLICATIONS
  33. ACS AWARDED NFC FORUM CERTIFICATION FOR ACR1252U
  34. UNICREDIT BANK SELECTS GEMALTO FOR MOBILE PAYMENT IN RUSSIA
  35. SMART PACKAGING SOLUTIONS (SPS) AND CPI CARD GROUP ACHIEVE A NEW STEP IN DUAL INTERFACE CARD PRODUCTION AND PERSONALIZATION
  36. SECUREKEY PARTNER PROGRAM SPEEDS DEPLOYMENT OF EASY, SECURE ACCESS TO WEB AND MOBILE APPLICATIONS
  37. CANADA POST ADDED TO MIVA MERCHANT PLATFORM
  38. COLLIS BRAND TEST TOOL NOW QUALIFIED BY DISCOVER FOR D-PAS ACQUIRER END-TO-END TESTING & ISSUER RESPONSE SIMULATION
  39. ING DIRECT TO CHANGE ITS NAME TO TANGERINE
  40. YESPAY AND PMC ANNOUNCE STRATEGIC PARTNERSHIP
  41. INGENICO STRENGTHENS ITS PETROL MARKET OFFERING

 

ACT Canada Partners:

ACCEO logo

ACCEO
The e-business operations expert, ACCEO Solutions is a leader in banking, accounting, and business software, SaaS solutions, and cloud computing. We also offer a wide range of specialized consulting services covering strategic advising, IT management and infrastructure, payment solutions, custom development, and full integration of our own and of our partners' ERP solutions.

G&D logo

GIESECKE & DEVRIENT
Giesecke & Devrient (G&D) is a leading international technology provider headquartered in Munich, Germany. Founded in 1852, the Group has a workforce of over 11,200 employees and generated sales of approximately EUR 1.8 billion in the 2012 fiscal year. 58 subsidiaries and joint ventures in 32 countries ensure customer proximity worldwide.

G&D develops, produces, and distributes products and solutions in the payment, secure communication, and identity management sectors. G&D is a technology leader in these markets and holds a strong competitive position. The Group's customer base mainly comprises central and commercial banks, mobile network operators, business enterprises, governments, and public authorities. For more information, please visit: www.gi-de.com

Interac Logo

INTERAC
Interac Association is a recognized world leader in debit card services. Interac Association is responsible for the development and operations of theInterac network, a national payment network that allows Canadians to access their money through Interac Cash at 60,000 Automated Banking Machines and InteracDebit at 766,000 point-of-sale terminals across Canada. Interac Flash, a secure contactless enhancement of Interac Debit allows Canadians to pay for items instantly with their Interac chip debit card at a reader that supports Interac Flash.

 



ACT CANADA WOULD LIKE TO THANK OUR NEW & RENEWING MEMBERS:

PRINCIPAL

Banque Laurentienne du Canada ~ new member
VeriFone, Inc. ~ member since 2012
Walmart Canada Bank ~ member since 2011

GENERAL

Canadian Bank Note Company Limited ~ member since 2003


JOB OPPORTUNITIES

Vice President - Channels and Payments
Does managing a high-performing—and high-energy—team that develops strategies for ATB's online, mobile, tablet and ABM channels sound intriguing to you? Do you get excited about improving customer experiences by refining and creating ways that people to interact with a business? Do the words "payments", "differentiation", "strategy" and "innovation" intrigue you? If so, then this role may be for you.

Reporting to the Chief Strategy and Operations Officer, this role is responsible for driving ATB's channel and payment strategies, and managing the overall channel and payments business at ATB. The VP – Channels and Payments leads a high-performing team. This role includes the management of customer experience strategies, new channel and payment development, and risk and regulatory oversight. It requires the ability to not only establish the strategic direction, but also to execute the strategy by working with a wide range of key stakeholders...FULL DESCRIPTION AVAILABLE AT http://www.actcda.com/careers/vp-channels-and-payments.html

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 ACT Canada for more details – postings@actcda.com


CALENDAR OF EVENTS

Smart Card Alliance Members Conference
December 8-10, 2013
Coral Gables, FL, USA
www.smartcardalliance.org

Tomorrow's Transactions - Toronto Unconference 2013
Dec 11, 2013
Toronto, ON
http://www.eventbrite.ca/e/tomorrows-transactions-toronto-unconference-2013-tickets-9047141243?utm_term=eventpage&invite=NDU0NjQ4OS9kZWJnYW1ibGUxQHJvZ2Vycy5jb20vMA%3D%3D&utm_campaign=inviteformal001&utm_source=eb_email&utm_medium=email&ref=enivtefor001

Mobile Payment Conference
Jan 28 - 30, 2013
Miami Beach Convention Center
Miami, FL
http://www.mobilepaymentconference.com/
ACT Members receive 20% off the registration price.

Payments Summit, presented by the Smart Card Alliance
Feb 5-7, 2014
Salt Lake City, UT
http://www.SCAPayments.com

Connect:ID
Mar 17 - 19, 2014
Ronald Reagan Conference Center
Washington, DC
http://www.connectidexpo.com

Cartes America
May 13-15, 2014
Las Vegas, NV
http://www.cartes-northamerica.com

2014 CNP Expo
May 19-22, 2014
Orlando, FL
http://cardnotpresent.com/cnpexpo/

Cardware 2014
June17-18, 2014
Marriott Gateway on the Falls
Niagara Falls, ON, Canada
http://www.actcda.com/calendar/act-canada-events/cardware/
Provide your input for the speaking topics - https://www.surveymonkey.com/s/Cardware2014Areas 


1. EDITORIAL COMMENT - WHEN IS THE TRUTH NOT ENOUGH?
Source: Catherine Johnston, President & CEO, ACT Canada (12/06)

We've all seen the courtroom dramas where witnesses are extolled to "tell the truth, the whole truth and nothing but the truth". In the real world, that is not enough. We expect the truth to be in context and to be timely. I could tell you that bread sells for 25 cents a loaf and I have known that to be true, but it was in 1955. I could tell you about ways to perpetrate payment card fraud, but the industry has already moved to shut down those practices.

Unfortunately there are people who frequently show up in the news talking about problems. Some are problems that were fixed years ago. Others are positioned as grave dangers to the public when they are not and yet others suggest they are global payment card issues, when they are actually local in nature.

Who is at the bottom of these mistruths? Often it is someone who has something to gain from misleading the public. A person who sells products or services related to the story. It makes it hard for everyone who works in the payment industry. This is an industry that takes security seriously. It is an industry that is regulated. It serves customers well and does not deserve to have its reputation damaged by these self-serving individuals. So, the next time you hear something bad, the first question you should ask is who stands to benefit.


2. PC FINANCIAL AND TD ANNOUNCE UGO - CANADA'S FIRST OPEN MOBILE WALLET
Source: CNW (11/06)

PC Financial and TD announced Ugo, Canada's first open mobile wallet to combine multiple payment and loyalty programs in one convenient and secure mobile solution. Canada's largest retailer, Loblaw Companies Limited has joined as its first retail partner and also brings the PC Plus loyalty program into the wallet.

Ugo will provide Canadians with a more convenient, value-add way to shop and transact with their favourite retailers by allowing users to replace cards from their physical wallet with a simple and secure mobile payment method that automatically links to loyalty programs.

"President's Choice Financial is always seeking to make banking simple and better for our customers, and Ugo is another example of good banking for PC Financial MasterCard customers," said Barry Columb, President of President's Choice Financial. "It will allow them to easily and conveniently use their President's Choice Financial MasterCard, while also earning and redeeming their PC points in one single tap transaction at their favourite Loblaw or banner store locations."

"We are very excited to be teaming up with PC Financial to develop Ugo, the first collaboration of its kind between two Canadian banks. We're also thrilled to be able to offer one of Canada's most popular retail loyalty programs by welcoming Loblaw as our first retail partner," said Teri Currie, Group Head, Direct Channels, Corporate Shared Services, Marketing and People Strategies, TD Bank Group. "Consumers carry their mobile phone everywhere they go; Ugo allows us to stay with them and is a natural extension of TD's long history of delivering comfort and convenience to our customers."

With Ugo, consumers will be able to pay, earn and redeem loyalty points in a single tap using their smartphones. This innovative solution offers functionality that could ultimately replace the need to carry a physical wallet.

"Loblaw is always looking for new ways to improve the shopping experience in our stores and Ugo takes this to the next step by giving customers a faster, more convenient way to perform their everyday transactions," said Vicente Trius, President of Loblaw Companies Limited.

Ugo will initially allow customers to load their TD Visa, President's Choice Financial MasterCard and PC Plus cards into the wallet. PC points can be redeemed at Loblaw and banner store locations. Ugo also plans to add more major partners, debit and gift card capabilities, loyalty programs and product offers in the future.

Ugo leverages existing near field communication (NFC) technology to process payments and will be available for use on Blackberry and Android NFC-enabled devices, with additional platforms planned for future releases. Initial Ugo features include:
- Ability to combine TD Visa and President's Choice Financial MasterCard with PC points in one open mobile wallet;
- Quick, single tap-and-go technology that provides the ability to pay and to earn and redeem loyalty points at point-of-sale;
- The security features found on customers' existing credit cards and peace of mind with additional mobile wallet security features; and
- Ability to use Visa payWave and MasterCard Paypass where they are accepted globally.

Commercial availability of Ugo is slated for the spring of 2014.

MasterCard, PC Financial, TD and Visa are members of ACT Canada; please visit www.mastercard.ca; www.pcfinancial.ca; www.td.com & www.visa.ca.


3. ROGERS TO DELIVER FIRST MOBILE WALLET FROM CANADIAN CARRIER
Source: Rogers (11/07)

Rogers announced that its suretap wallet, the first mobile wallet from a carrier in Canada, will be available to customers in the coming weeks. suretap wallet will be available on select NFC-enabled smartphones and will offer a co-branded virtual Rogers Prepaid MasterCard and gift cards from select national retailers as the first cards available for download.

"The arrival of our mobile wallet is a major step towards our vision of a mobile experience, where Canadians will quickly and securely access cards they carry in their physical wallet on their smartphone," said David Robinson, Vice President of Emerging Business at Rogers. "We have built a strong foundation to deliver financial services and mobile commerce solutions, and we will continue to deliver mobile payments experiences that are beneficial for consumers and retailers across Canada."

Rogers has entered into various strategic relationships within the mobile payment industry, including officially joining forces with MasterCard Canada through a multi-year strategic agreement to support innovation and drive adoption of mobile payments technology across Canada. Through these initiatives, customers who download the suretap Wallet will have the ability to add a co-branded virtual Rogers Prepaid MasterCard that can be loaded with funds to use at their favourite retailers across Canada.

The suretap wallet will deliver a secure mobile payment experience, safely storing payment card information and passcodes on the secure SIM card in select NFC-enabled smartphones. Customers will have access to additional features within the suretap wallet including gifting of gift cards, reloading of prepaid cards, the ability to check account balances, view recent transactions and use location services to find contactless payment terminals nearby. In the near future, additional cards will become available for download including payment cards from multiple banks and payment networks and loyalty cards.

"We designed the suretap wallet to deliver a secure mobile payments experience, with an emphasis on the end user and features which enable our customers to take advantage of all the capabilities of today's smartphones," said Jeppe Dorff, Vice-President, Transaction Services. "We see this milestone as the first in a series of innovative transactional services we will be offering to our customers in the coming years".

Last year, Rogers facilitated the first point-of-sale mobile credit card transaction in Canada with CIBC, using the secure SIM card inside an NFC-enabled smartphone. Since then, Canadian's attitudes towards mobile payments have evolved. According to new Rogers commissioned research from Harris Decima, approximately one third of Canadian smartphone owners have made a mobile payment in the past year and the majority believe mobile payments will save them time in their day.

MasterCard and Rogers are members of ACT Canada; please visit www.mastercard.ca & www.rogers.com.


4. OTTAWA UNVEILS PREPAID CREDIT CARD RULES
Source: Toronto Star (12/03), By Dana Flavelle

Ottawa says it's moving ahead with plans to curb expiry dates and sometimes exorbitant fees on prepaid credit cards. Just not in time for this holiday season. The cards — there are an estimated eight million issued each year, sold under the brand names Visa, MasterCard and American Express — are popular with gift givers at this time of year.

But many come with expiry dates and fees that can make them worthless before the recipient has a chance to spend the pre-loaded funds. On Tuesday, Ottawa confirmed it will address those problems in new regulations that come into effect in May. "We have heard far too much that Canadians felt like they've been gouged," federal Minister of State for Finance Kevin Sorenson told a news conference in Ottawa.

The new rules would prohibit maintenance fees and expiry dates for a year after the cards are activated, Sorenson said. Any terms and conditions attached to the cards would also have to be displayed on the exterior packaging.

The Consumers' Association of Canada said it welcomed the measures. "I'm hoping that I'll never receive another call from somebody that said, 'We thought we had $500 on our credit card and after 10 months we have nothing left because of fees and charges,' " association president Bruce Cran told reporters at the Ottawa news conference.

However, the devil may be in the details. The regulations were not being published until Wednesday.
New Democratic Party consumer affairs critic Glenn Thibeault cautioned that other kinds of fees may continue to apply. Many cards come with "sign-up" fees that range from $2 to $39.95, along with ATM withdrawal fees, transaction fees and balance inquiry fees, Thibeault said. "If the Conservatives really cared about Canadian consumers, these would have come in to effect months ago, ahead of the holiday season," he said.

Visa Canada and MasterCard issued statements supporting the announcement.

"Visa believes the additional guidance issued today regarding prepaid payment products regulations will improve consumer awareness of any fees. We look forward to reviewing the full regulations," Visa's head of new products, Sue Whitney, said in an email.

"Consumers are best served when we can help them make informed choices about payment products they are using," MasterCard Canada said in a statement.

The Canadian Bankers' Association said it supports rules that ensure fees and conditions are clearly communicated to consumers prior to purchase and said its members already do so. "In fact, the banks already follow many of the measures outlined in today's announcement, including clearly stating any applicable fees on the outside packaging and providing toll-free numbers to check card balances," the association said in a statement.

American Express, MasterCard and Visa are members of ACT Canada; please visit www.americanexpress.com; www.mastercard.ca & www.visa.ca.


5. ECB SETS OUT DRAFT MOBILE PAYMENTS SECURITY RECOMMENDATIONS
Source: Finextra (11/20)

The European Central Bank has set out draft recommendations on mobile payments security, covering everything from customer authentication to data protection. The 14 recommendations cover all payments in which mobiles are used to initiate a transaction, whether they are contactless, app-based or through mobile network operators' channels.

On the thorny issue of authentication, the draft says that all mobile payment service providers should protect transactions through strong (at least two-factor) authentication.

However, this is not set in stone and the possibility of allowing less stringent measures for low value payments and low-risk transactions such as those within the same payment service provider, is raised.

The ECB says that this would create a difference in security requirements compared with those for card-present payments, "which may be difficult to justify" but is now asking industry participants to chip in with their opinions.

Among the other draft recommendations is a limit to the number of incorrect log-in attempts a user gets, strong transaction monitoring mechanisms to spot fraud, data protection rules, and a requirement to log all transactions with an audit trail.

Interested parties no have until the end of January to comment before final recommendations are made which should be implemented by European mobile payment service providers by February 2017.


6. MATTEL AND WALMART CANADA OFFER HOLIDAY SHOPPERS TOYS ON THE GO
Source: Walmart (11/04)

Toy expert Mattel and retail expert Walmart are teaming up again to make holiday shopping easier than ever for Canadians with multiple pop-up Virtual Toy Stores. Located in Montreal, Vancouver and throughout Toronto's Union Station and on GO Transit this year, the Virtual Toy Stores provide gift-givers a one-stop shop for holiday toys.

"As a top destination for holiday shopping, we're always looking for new and innovative ways to interact with our customers and help simplify their shopping experience. Last year's Virtual Toy Store was a great success for us," said Cheri Anthony, director of merchandising for toys, Walmart. "By partnering again with Mattel, both companies continue to spearhead leading-edge and ambitious marketing initiatives that push technology in a direction that is beneficial for our consumers – clearly this program is resonating."

Mattel and Walmart are building on last year's success with the QR-code based shopping experience by expanding the Virtual Toy Store to commuters in Montreal's McGill Station and Vancouver's Waterfront Station in addition to Toronto's Union Station & GO Trains. The pop-up toy stores in Vancouver and Toronto will launch on November 4, 2013 and run for four weeks. Montreal's Virtual Toy Store will launch on November 18, 2013 and run for four weeks as well. Canadians who are outside of these markets, or whose phones are not compatible with QR-codes can log on to www.walmart.ca/VirtualToyStore to shop an extended list of this season's hottest holiday toys.

"With almost half of the Canadian population using smartphones in 2013 , expanding this offering to commuters in other major markets was a natural progression for us," said Melissa Farjo, National Account Manager, Mattel. "Couple that with increasingly busy holiday seasons and we had the perfect opportunity to provide a smart, on-the-go solution for time-crunched gift givers."

Mattel and Walmart are taking the Virtual Toy Store even one step further this year by literally offering toys for purchase on the go. Ten GO Train cars travelling in and out of the Greater Toronto Area will see one car on each train transform into a Virtual Toy Store on wheels, allowing commuters to get wish list items checked off on their way to and from work.

"The daily commute provides at least an hour or two per day where you are stuck in one place, it's the perfect opportunity to get small errands done," said Farjo. "By offering the Virtual Toy Store on the GO we are able deliver convenience, while helping Canadians avoid holiday mall madness and lugging packages to and from."

The unique and visually fun Virtual Toy Stores feature display walls of over 50, three-dimensional toy images and allows commuters to choose their favorite toy off the shelf, snap a picture of its corresponding QR-code with their smartphone and pay in one seamless transaction. Mattel has curated a list of this season's hottest toys from big-brand favourites like Barbie, Monster High, Hot Wheels, Fisher-Price and Thomas & Friends. What's more, Walmart Canada then ships purchases directly to the buyer's home with free shipping*, all in time for the holidays.

Walmart is a member of ACT Canada; please visit www.walmart.ca.


7. SECUREKEY CONCIERGE SERVICE ADDS ING DIRECT AS NEWEST TRUSTED SIGN-IN PARTNER
Source: SecureKey (11/26)

SecureKey announced that ING DIRECT has become a Trusted Sign-In Partner participating in the SecureKey Concierge service. ING DIRECT clients are now able to securely access online services from the Government of Canada using their existing ING DIRECT login IDs and passwords instead of having to create and manage new authentication credentials.

The SecureKey Concierge service brokers the authentication process between the individual, their bank, and the government online service, while keeping the individual's interactions with their bank and their government service provider both separate and private.

"We welcome ING DIRECT to our growing SecureKey Concierge service, which is gaining wider acceptance as we continue to enlist more of the major financial institutions in Canada as Sign-In Partners," said Andre Boysen, executive vice president of marketing for SecureKey. "With ING DIRECT's participation, we have taken another major step in making it easier for more people in Canada to access essential but less frequently used government services by enabling them to sign in with familiar authentication credentials they regularly use for banking and other financial services."

ING DIRECT joins three of Canada's five largest banks in providing authentication credentials that may be used to access a growing number of online services from the Government of Canada. Among the Canadian federal departments and agencies currently offering access to their online services via the SecureKey Concierge service are Service Canada and the Canada Revenue Agency.

"By lending our credentials to the SecureKey Concierge service, we are able to expand our brand and award-winning service beyond our own web site by providing our clients with the added convenience of using their same login credentials to securely access Government of Canada online services," said Charaka Kithulegoda, ING DIRECT's chief information officer. "Innovation, simplification and convenience are at the heart of the ING DIRECT brand and our participation in SecureKey allows us to extend these values to our clients beyond their everyday banking needs."

SecureKey is working to expand its portfolio of online services that will accept Sign-In Partner credentials to include many Canadian provincial and municipal government agencies, as well as some commercial entities.

Consumers struggle with dozens of increasingly complex login credentials, and often use them interchangeably among many online services, which increases their risk and exposure to damaging online attacks. The SecureKey Concierge service mitigates these risks by enabling people to sign in to new services with familiar, frequently used credentials from their banks (Trusted Sign-In Partners), who actively manage and monitor security for their customers to a far greater degree than conventional online credential providers. Users are able to get more convenient access while managing fewer credentials. The SecureKey Concierge service also forms the basis of a broader ecosystem that enables other governments and public and private sector organizations to benefit from shared authentication by Trusted Sign-In Partners.

The SecureKey Concierge service is based on the SecureKey briidge.net Exchange bring-your-own-credential (BYOC) platform, which provides clients of the Government of Canada online services with more choice, control and convenience by enabling them to bring their own credentials from third-party providers like ING DIRECT and the other Trusted Sign-In Partners.

ING Direct and SecureKey Technologies are members of ACT Canada; please visit www.ingdirect.ca & www.securekey.com.


8. MONERIS LAUNCHES PAYD PRO, CANADA'S FIRST DEBIT-ENABLED MOBILE PAYMENT SERVICE
SOURCE: Newswire (11/06)

Moneris Solutions announced the launch of PAYD PRO, Canada's first debit-enabled mobile payment solution using chip & PIN technology to process payments on the go. PAYD PRO expands Moneris' small business payment offerings, giving merchants an opportunity to accept debit and credit card payments on the go through chip and PIN, magstripe or contactless technology using their smartphone device anytime, anywhere.

"At Moneris, we are proud to be the first payment processor in Canada to empower small business owners with the ability to process debit card transactions anywhere they do business," said Jeff Guthrie, Chief Sales and Marketing Officer at Moneris. "Canadians increasingly expect to have the freedom to choose any payment option they find convenient, with any type of a merchant organization, big or small. We are committed to bringing innovative, effective and secure solutions to merchants of all sizes, including smaller service providers, such as artisans, photographers, personal trainers and contractors."

In contrast to existing mobile POS solutions that plug directly into a smartphone, PAYD PRO is a mobile application that uses Bluetooth technology to connect a lightweight and portable companion device to any Apple iOS and Google Android smartphone. PAYD PRO offers a suite of mCommerce management tools to meet the growing needs of Moneris' small business merchants, including the ability to track all transactions from their mobile device and send receipts via email.

PAYD PRO, supported by the security of Moneris' PAYD, encrypts card data at the time of transaction and allows merchants to easily access their transactions, accounts and history in a secure manner. In addition, the portable device leverages Bluetooth encryption to provide a secure connection, while prohibiting unauthorized devices from accessing the tool and the information channeled through it.

Moneris' PAYD PRO service will be available in February 2014.

Moneris is a member of ACT Canada; please visit www.moneris.com.


9. CIBC ADDS MOBILE PAYMENTS SOLUTION FOR BUSINESS BANKING CLIENTS
Source: Mobile Payments Today (11/05)

Canadian payments provider Payfirma has signed an agreement with CIBC, one of the country's largest banks, to offer a mobile payments solution for CIBC business banking clients.

Payfirma offers a range of hardware and software solutions on a single platform to help businesses accept debit and credit card payments in stores, online through their company website or remotely using smartphones and tablets as mobile terminals, according to a news release.

Leveraging existing assets such as smartphones and tablets lowers the cost of entry for small businesses seeking to expand the payment options available to their clients, Payfirma said, while enabling businesses to collect payments anywhere with cellular service.

Payfirma also provides businesses with real-time, consolidated reporting on all sales, allowing businesses to use its web-based PayHQ management tool to make smarter business decisions about their customers, products and employees, the company said.

CIBC and Payfirma are members of ACT Canada; please visit www.cibc.com & www.payfirma.com.


10. TELENOR SELECTS G&D TO REALIZE NORWAY'S FIRST COMMERCIAL NFC PROJECT
Source: Giesecke & Devrient (11/19)

In cooperation with DNB, Telenor is launching Norway's first commercial NFC project. Munich-based technology group Giesecke & Devrient (G&D) is providing the OTA NFC solution for the mobile network operator, supporting remote management of the secure element in mobile phones to enable contactless payment as well as the NFC SIM cards.

Following the success of the Tap2Pay pilot project launched in Oslo in 2011, Telenor, one of the world's largest mobile telecommunications providers, is working with Norway's biggest bank DNB to expand the scope of the scheme. The aim is to give everyone in Norway the opportunity to make payments using near field communication (NFC) technology. When the service is launched the users will be able to pay at any payment terminal accepting contactless Visa transactions.

This represents a new level in Telenor's close partnership with G&D. As in the Tap2Pay project, G&D will also be playing a key role in the commercial phase. Using G&D's OTA solution, Telenor can remotely manage NFC services on SIM cards, allowing DnB NOR's payment application to be securely downloaded to the protected area of the user SIM. G&D's OTA solution enables access to the SIM card, initial personalization of the security domain, and management of access authorizations for service providers and their applications. As a result, Telenor can enable any service provider to introduce further NFC applications, such as public transport tickets.

G&D's OTA NFC solution, the SmartTrust NFC EnablerTM, brings new business opportunities within Telenor's reach. This solution entails upgrading G&D's SmartTrust DPTM platform, which Telenor already uses for Over-the-Air (OTA) management of SIM cards along their entire lifecycle. Implementation of the new "Remote Application Management over HTTP" standard as part of the delivery ensures faster and more reliable connections for TSM transactions than have generally been possible before. In addition, G&D is supplying Telenor with the multi-application NFC SIM cards for the project.

"The commercial launch of NFC is an important step towards making payment via mobile phone an everyday reality in Norway and throughout Scandinavia," states Florian Reithmeier, Head of Global Marketing and Sales Mobile Security at Giesecke & Devrient. "In expanding the scope of our longstanding partnership, Telenor is opting for a secure, reliable, and future-proof solution that enables rapid OTA transactions in the NFC ecosystem and leads to high levels of customer satisfaction."

Giesecke & Devrient is a member of ACT Canada; please visit www.gi-de.com.


11. INGENICO LAUNCHING MOBILE PAYMENT SERVICES IN 8 COUNTRIES
Source: Ingenico (11/13)

Ingenico and ROAM, Ingenico's innovative mobile payment subsidiary, announce that they are extending their joint footprint to eight countries this year.

With the launch of the new international mobile payment engine, the "ROAM Mobile Commerce Manager" (ROAM MCM5), merchants can bring intelligence to every client payment experience: whether ordering, purchasing, or communicating after the purchase. The ROAM Mobile Commerce Manager has been designed with mCommerce service providers in mind. Built for EMV, it gives service providers the real-time control necessary to effectively manage risk, oversee mobile point of sale (mPOS) payment terminals, and build their base of transacting merchants while establishing their brand presence.

The combination of Ingenico and ROAM enables merchants to make the most of face-to-face interactions with customers in the field, in the store, or in their homes.

"The joint Ingenico and ROAM offering brings maturity to the mobile payments space. We are delighted to bring our customers payments expertise based on Ingenico's footprint with a thousand acquirers in 125 countries and ROAM's market-leading mobile payment capabilities, and local support. We already see marked interest in such solution in 8 countries, and are looking forward to support retailers, banks and telcos to improve their payment solutions."- Jean-Marc Thienpont, EVP Mobile Payment Solutions, Ingenico

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


12. OBERTHUR TECHNOLOGIES LAUNCHES MULTISIM FOR MOBILES
Source: M2M Magazine (11/08)

Oberthur Technologies delivers its first volumes of MultiSIM, the first classic (2FF), micro (3FF) and nano (4FF) all-in-one SIM card.

MultiSIM combines all the form factors on one single, easy to use card. It is a key progress on the telecom market as it dramatically improves the user-friendliness of the SIM card. Concretely, it means that the same SIM card can be used in any mobile phone. If end-users want to change from one form factor to another, they do not need to ask their operator for a new SIM card but can just deplug or replug their MultiSIM. Thus, end-users can easily use the SIM card body as an adaptor for any existing handset.

Prior to MultiSIM, mobile operators had to maintain several stocks, one for each form factor. Oberthur Technologies' MultiSIM enables operators to make important savings as it helps them to rationalize their logistics as well as improve flexibility and efficiency at warehouses and point-of-sales.

Fully compliant with the ETSI (European Telecommunications Standard Institute) standards, Oberthur Technologies' MultiSIM has two different thicknesses on the same card: it is "thin" for the nano-SIM (4FF) form factor and "thick" for the rest of the card.

"The MultiSIM introducing has been possible thanks to our world-class R&D and manufacturing capabilities" said Christian Lefebvre, Managing Director Telecom Product Line at Oberthur Technologies. "Our key challenge was to support the different card body thicknesses of the plugs required by the standards. We met this challenge using an innovative patent-pending process. We are delighted to offer end-users a convenient means to use their SIM card and to help operators to optimize their stock management".

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


13. GOOGLE WALLET SAYS 'YES' TO PAYING WITH PLASTIC
Source: PYMNTS.com (11/21)

After nearly a year of rumors, setbacks, speculation and criticism, Google Wallet finally moved its mobile wallet solution into offline commerce space with the announcement that its first physical prepaid debit card is available to the public, an official blog post revealed.

Google Wallet card users can utilize the card at any ATM, bank or business that accepts MasterCard debit. Further, users gain expanded access to Google Offers, and in a separate November 20 announcement, exclusive holiday loyalty reward deals. Google Wallet users can now save deals to Google Maps, Google search and Google+.

The card does have some potential drawbacks as a primary payment option. For example, there is a maximum spending limit of $5,000 per day on the card, and TG Daily notes that Google Wallet is only available for use in the United States.

Interested users who request the prepaid card online will receive the card within 10 to 12 days. The media outlet noted that shipping is free and that there are no activation fees associated with the card.

With the launch, Google Wallet's creators have also become more comfortable discussing Google Wallet and the challenges they've faced since the platform's promising launch. In an interview with Fast Company, Jonathan Wall, Google Wallet's founding engineer commented on the biggest roadblocks the service has faced, naming carriers as the biggest point of failure.

"Very early on, as we got started, it was very exciting and people were very interested in the potential of the product," Wall told the media outlet. "We did bet on NFC; we did bet on new hardware; and at the time, it felt like we could use the leverage of Android against the problem. We thought, Maybe it is realistic."

The announcement continues a string of positive news for the once-struggling mobile wallet that has included the news it would add support for NFC transactions, has gained popularity with users and released its Host Card Emulation (HCE) model as well as a P2P solution enabled by Gmail.


14. CANADA POST AND GOECART LAUNCH NEW E-COMMERCE COLLABORATION
Source: Canada Post (11/06)

Canada Post announced a new collaboration with GoECart, a leading provider of e-commerce solutions, that will improve the online shopping experience when Canadians buy from U.S. retailers.

The integration of the Canada Post shipping platform with GoECart's multi-channel e-commerce platform will enable GoECart's U.S.-based retail partners to quickly retrieve shipping rates and times, print shipping labels and track shipments. As a result, Canadian customers will benefit from a transparent, hassle-free shipping and delivery experience when they're shopping online from U.S. retailers.

"Canadian shoppers want an efficient, convenient and seamless end-to-end shopping experience no matter where they shop. Canada Post is serving these customer expectations by simplifying and improving the cross-border online shopping process," says René Desmarais, Senior Vice-President, Parcels, at Canada Post.

"Our integration with Canada Post enables GoECart merchants to manage their order fulfillment, shipping and logistics operations in Canada with more confidence, as they are now seamlessly connected to the largest retail postal network in Canada. Shipping to Canada has become as simple as shipping to Texas," says Manish Chowdhary, CEO of GoECart.

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


15. VIVO IMPLEMENTS NFC TECHNOLOGY IN BRAZIL WITH GEMALTO SOLUTION
Source: Gemalto (11/28)

Vivo has selected Gemalto to provide the TSM (Trusted Service Manager) platform. With the Gemalto platform, the operator can offer mobile payment products and services using Near Field Communications (NFC) technology, which makes it possible to carry out financial transactions by simply tapping a mobile phone near a specific terminal.

The initiative reinforces the positioning of the company, a "Telco Digital", and represents a further step towards the democratization of electronic payments - adding mobility, security and convenience for its users.

With the solution in place and together with Gemalto's UpTeq multi-tenant NFC SIM cards, Vivo will be able to expand its product portfolio for m-payments, offering services to mobile customers including contactless payments, transit ticketing and financial transactions between users of the solution.

The growth model of the Telefónica Group companies is based on their ability to innovate. Brazil, the largest Telefónica operation in regards to number of customers, is one of the focal points of Telefónica Digital, which is the innovation arm of Telefónica Group worldwide. The development and delivery of financial products and services represents the company's firm commitment to grow and strengthen its operations beyond connectivity, adding a new option for customers as well as for those who want to start or intensify contact with connectivity technologies.

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


16. VERIFONE HELPS MERCHANTS MEET GROWING CONSUMER DEMAND FOR QUICK, SELF-SERVICE PAYMENTS
Source: VeriFone (11/18)

VeriFone Systems, Inc. introduced UX Solutions, its series of unattended payment devices that improve transaction security, speed and reliability for vending machines and other self-service environments, including parking meters, petroleum pumps and ticketing machines.

VeriFone's UX series of unattended payment devices enables merchants to meet growing consumer demand for self-service transactions by providing customizable payment systems that securely increase transaction volume and speed and accept payments from mobile wallets, EMV and mag-stripe cards. UX Solutions fulfills the latest security standards, including PCI PTS 3.1 and EMV Levels 1 and 2. Integrated LCD screens guide consumers through transactions and securely display payment amounts while providing merchants the ability to upsell through targeted messaging.

"Reports show that more than half of consumers are willing to shop at fully automated self-service stores and prefer self-checkout stations in order to avoid waiting in line," said Bill Nelson, executive vice president, Global Product Management and Services, VeriFone. "The UX series provides the flexible configuration of self-service systems that merchants need to meet this growing consumer demand, as well as added benefits of field-upgradeability, tamper resistance and multiple connectivity options that meet the broad range of unattended payment requirements."

Devices within the UX series are expected to be available in early 2014 and include the: UX 100 PIN pad with integrated LCD screen; UX 110 PIN pad; UX 300 card insertion reader; UX 400 contactless/NFC acceptance unit.

VeriFone is a member of ACT Canada; please visit www.verifone.com.


17. CREDIT CARD NETWORKS PROPOSE GLOBAL DIGITAL PAYMENT STANDARD
Source: ICMA Industry News (11/07) (Originally appeared in Business Travel News, by JoAnn DeLuna)

American Express, MasterCard and Visa this month unveiled an initial proposal for developing a global standard for online shopping, designed to "enhance the security of digital payments and simplify the purchasing experience," according to the credit card networks. The new standard, which incorporated the "input of many stakeholders," including card issuers and merchants, would allow issuers, merchants or digital wallet providers to use a digital 'token' instead of a shopper's card account number to process a transaction.

"With a token, consumers will no longer have to enter personal account information when shopping online or on a smart device," Visa global head of innovation and strategy partnerships Jim McCarthy explained via email.

American Express Global Network Business head Mike Matan said tokens already are used in similar ways as account numbers for such uses as redeeming offers, paying bills and initiating purchases online or in a brick-and-mortar store. Often, he said, account numbers are tokenized to "provide security to the cardholder," even if the cardholder does not know a token is being used instead of the actual account number.

American Express, MasterCard and Visa are members of ACT Canada; please visit www.americanexpress.com; www.mastercard.ca & www.visa.ca.


18. PAY IN A FLASH AT SELECT LOBLAW COMPANIES LIMITED STORE LOCATIONS
Source: Interac (10/30)

Interac Association announced that Canadians can move through the checkout more quickly when they pay for their purchases using Interac Flash at select Loblaw Companies Limited (Loblaw) banner stores. As Canada's first and only contactless debit payment solution, Interac Flash enables Interac Debit cardholders to make contactless transactions at the point-of-sale quickly, safely and conveniently. Loblaw, Canada's largest food retailer, has started accepting Interac Flash at select stores.

"Interac Flash helps deliver a faster, more convenient checkout experience for customers wanting to pay using funds from their own bank account," said Mark O'Connell, President and CEO, Interac Association and Acxsys Corporation. "We're excited that Loblaw sees the value in offering Interac Flash to help enhance the customer shopping experience."

More than 14,000 Interac Flash enabled terminals will be deployed at Loblaw banner store locations across Canada. The deployment will be managed by Global Payments Inc., one of the world's largest electronic transaction processing companies.

Interac is a member of ACT Canada; please visit www.interac.ca.


19. G&D SUPPLIES AND OPERATES INNOVATIVE SUBSCRIPTION MANAGEMENT SOLUTION FOR FRENCH MOBILE OPERATOR SFR
Source: Giesecke & Devrient (11/19)

Giesecke & Devrient (G&D) is supplying SFR, the number one alternative telecommunication operator in France, with a subscription management solution comprising managed services and SIM cards. This solution is the first of its kind to appear on the French mobile telecommunications market. It allows SFR customers to activate and personalize their SIM cards to their selected tariff at the click of a mouse – Over-the-Air (OTA) via the mobile network. SFR launched this innovative service based on G&D's flexible and secure SmartTrust AirOn system. SFR can now offer their customers faster and simpler steps to being connected, with a simplified logistics process that lower costs.

G&D's SmartTrust AirOn platform provides the foundation for SFR's latest "SFR Connecté Partout" offer, which aims to attract the buyers and owners of tablet PCs who are keen to be online while on the move. Thanks to G&D's end-to-end solution, SFR need only provide its customers with a single version of SIM card which features a pre-installed subscription management client. This SIM card stores basic mobile communications data that can be activated and easily configured by the customers themselves with the desired subscription details: customers are automatically guided to an SFR online portal, where they are taken through the relevant configuration steps. Each individual's selected subscription data is then automatically transferred to the SIM card and activated via the mobile network.

This managed services solution, operated by G&D from its secure data centers, does away with SFR's need to stock a variety of preconfigured SIM cards at its logistics centers and sales outlets – for post- or prepaid, 3G or 4G users. And by now offering those customers complete ready-to-use tablet and SIM card packages, without difficult administration procedures, SFR can look forward to more satisfied customers.

Giesecke & Devrient is a member of ACT Canada; please visit www.gi-de.com.


20. ISIS LAUNCHES NATIONALLY
Source: The Green Sheet (11/14)

The near field communication (NFC) -based mobile wallet venture Isis launched its service nationwide today. The mobile wallet application is available as a free download from the Google Play Store. The app, which comes in three versions that coincide with the three largest U.S. mobile telecommunication networks behind the venture, is garnering mixed reviews from users on its first day of national availability. But payments insiders remain optimistic about the future of the mobile wallet enterprise.

Isis was created by JVL Ventures LLC – a collaboration between AT&T Mobility LLC, T-Mobile USA Inc. and Verizon Wireless. Isis had been in pilot mode in Austin, Texas, and Salt Lake City since October 2012.

As of July 2013, Isis payments were being accepted in over 4,000 merchant locations in the two pilot cities, with the average Isis user making 10 contactless payments per month. The mobile app relies on merchants having POS devices that accept contactless NFC payments. Aéropostale Inc., The Coca-Cola Co., Foot Locker Inc., Jamba Juice and Macy's Inc. are Isis' national merchant partners to date.

Isis' proprietary SmartTap NFC technology must be integrated into POS devices to enable the proximity payments solution. POS devices manufactured by Equinox, Ingenico and VeriFone, among others, support SmartTap, with Isis recently adding several new POS manufacturers to the list, including PAX Technology and On Track Innovations Global.

Consumers find flaws
At last count, the Isis wallet can be used with 35 mobile device models equipped to initiate NFC transactions. However, as pointed out by Isis users in reviews of the product on Google Play, the limited number of payment cards that can be linked to Isis as the funding source is proving problematic.

Credit cards issued by the retail banking arm of JPMorgan Chase & Co. can be linked to the Isis wallet. The American Express Serve prepaid card can also be used with Isis. Users who posted reviews of Isis remarked that restricting cards to only those two issuers dampened their enthusiasm for the product. Users pointed out that Google Inc.'s mobile wallet app allows linking to any branded bankcard.

The three mobile carriers apparently block its subscribers from using Google Wallet as well. Additionally, Isis users must purchase a special SIM card from mobile carriers to operate Isis on their devices. Overall, the T-Mobile app faired best in Google Play reviews, with an average of three stars out of five.

Payments optimism about Isis
If the Isis launch has been somewhat rocky with consumers, payments industry experts on mobile payments are optimistic about the initiative. "I believe Isis will succeed where other mobile wallets have not and will set the standard for how NFC is used in mobile devices," said Randy Vanderhoof, Executive Director of the Smart Card Alliance.

Payments consultant Todd Ablowitz is equally positive about the rollout. "It's encouraging to see the national launch of a mobile payments system of this magnitude," he said. "The fact that Isis is following through with a nationwide launch that commands an investment of store resources, staff training and powerhouse marketing definitely signals a commitment to this product and to the opportunity it presents."

Thomas Niedbalski, Senior Vice President, Business Development at virtual gift card network operator Transaction Wireless, seconded that opinion. Niedbalski, who is attending the Isis launch festivities this weekend in Austin, praised the mobile telecoms for bringing their substantial resources to bear on the mobile wallet.

Unlike Apple Inc.'s Passbook, as well as the search giant's Google Wallet, the carriers have made Isis "their primary initiative, not a secondary initiative like it is for Apple and Google," Niedbalski said.

Promise, if not perfect
Ablowitz cautioned that Isis has serious obstacles to overcome. "Isis still has a long way to go to see if consumers will buy into the idea of a mobile wallet," he said. Additionally, the mobile venture must confront the iPhone dilemma, since the popular Apple device does not support Isis. "[T]he lack of iPhone support strikes me as a serious obstacle to overcome," he noted. "Therefore, watching how that plays out with [Apple] consumers will tell us a great deal."

But Ablowitz sees the backing of Isis by the mobile carriers as "significant and very important" because of their influence with smartphone manufacturers, sans Apple. That influence is "critical in getting phones built with the required technology," he said.

Another hurdle for Isis involves merchant acceptance of the solution, which means costly POS terminal upgrades to SmartTap. "You might have 5,000 locations and you might have five point of sale systems within each location," Niedbalski said. "You're looking at 25,000 units that you have to upgrade, which can be very costly."

But this is where the mobile carriers' deep pockets may come into play, as they have the resources to incentivize merchant adoption. "Their ability to be able to subsidize those hardware upgrades to help those brands move in this direction is going to be key," Niedbalski said. "I think that's what's going to make a major difference in their success."


21. FIME ESTABLISHES TESTING INFRASTRUCTURE FOR CONTACTLESS D-PAS PRODUCTS
Source: Morning Star (11/12)

FIME, has established a testing infrastructure and conducted laboratory test services for the Discover contactless D-Payment Application Specification (D-PAS) products. The test framework will verify that these products meet robust security requirements, international industry standards and achieve global market interoperability.

Using its expertise as an approved laboratory and test tool provider for the payments industry, FIME prepared a contactless D-PAS test specification for both chip-based payment cards and acceptance terminals. This technical document then formed the basis of FIME's work to develop and launch a customized test plan and test tool, which will be used by FIME's laboratories, product developers and acquiring banks to confirm that Discover contactless products perform as intended once launched.

Troy Bernard, Director and Global Head of Mobile & EMV Products at Discover, comments: "By aligning products to EMV, we can establish a secure-chip infrastructure for innovative payments solutions such as contactless and, in the future, mobile payments. Testing solutions in a uniformed manner and to the highest standard confirms the integrity of new products entering the market, which is vital to achieving user trust and engagement. We are pleased to be working with FIME to establish a testing environment for our contactless D-PAS products."

Xavier Giandominici, Director at FIME America, adds: "FIME has worked within the secure-chip payments industry for over a decade, and we are delighted to share our knowledge as it brings EMV contactless payments to market. Our end-to-end testing framework effectively delivers a robust program that will inspire stakeholder confidence in the contactless products available. We look forward to continuing to build on this activity with the testing requirements needed to verify the integrity of mobile payment solutions.

Discover & FIME are members of ACT Canada; please visit www.discover.com & www.fime.com.


22. AMERICAN EXPRESS CANADA SIGNS NEW MULTI-YEAR AGREEMENTS WITH AIMIA & AIR CANADA
Source: CNW (11/14)

American Express Canada confirmed multi-year agreements with Aimia, parent company of Aeroplan, as well as Air Canada, North America's top-rated airline. The new agreements extend the long relationship between the three companies and will include enhancements to the existing suite of premium AeroplanPlus co-branded charge cards with a unique new premium travel credit card launching next year. Amex currently offers AeroplanPlus cards for both consumers and corporations. Additionally, Aeroplan will continue to be a participant in the Membership Rewards Program offered on select American Express charge cards through which points can be transferred to Aeroplan 1:1.

"We are thrilled to announce this partnership renewal with Aimia and Air Canada," said Howard Grosfield, President and CEO, American Express Canada. "Today's announcement allows us to further strengthen our relationships and better serve our Cardmembers by continuing to provide access to a distinguished loyalty program in Aeroplan and to Canada's largest full-service airline, Air Canada."

AeroplanPlus cards are one of the fastest ways to earn Aeroplan Miles, with spend on these cards qualifying towards Aeroplan's new Distinction program. Distinction is Aeroplan's new multi-level recognition program that rewards top accumulating members with three levels of exclusive flight reward benefits, bonus mile offers, preferential treatment, and privileges. Cardmembers will also continue to enjoy preferred Air Canada benefits such as access to Maple Leaf Lounges and Priority Check-In.

"As the leading premium loyalty program in Canada, Aeroplan is delighted to continue its long-standing partnership with American Express to offer AeroplanPlus Cardmembers all of the benefits and privileges that come with being a member of both Aeroplan and Amex," said Vince Timpano, President and CEO of Aimia in Canada. "Adding to the excitement is the launch of Distinction, which will provide members with access to better rewards and privileges than ever before."

AIMIA and American Express are members of ACT Canada; please visit www.aimia.com & www.americanexpress.com.


23. MASTERCARD AND OGONE ANNOUNCE THEIR PARTNERSHIP ON THE INTEGRATION AND DEPLOYMENT OF MASTERPASS
Source: Ingenico (11/26)

MasterCard and Ogone, an Ingenico company, announced their partnership on the integration and deployment of MasterPass, the future of digital transactions. This collaboration which covers Belgium, The Netherlands, France, United Kingdom, Germany and Spain in a first phase and the remaining countries Ogone operates in later on, paves the way for the adoption of MasterPass by tens of thousands of merchants.

MasterPass, the digital platform from MasterCard, simplifies online purchases made from connected devices including PCs, touchpads and smartphones. MasterPass meets consumers' demand for convenience shopping and eliminates the need to enter detailed shipping and card information to complete their online shopping at MasterPass merchant sites that have the "Buy with MasterPass" button on their check out page. Consumers can securely store MasterCard and other branded credit, debit and prepaid card information, address books and more. This simplification of the purchasing process, which also includes all the guarantees of a card payment, should enable e-merchants to increase significantly their transformation rate and boost the development of m-commerce.

This solution, which is initially being deployed for e-commerce, will at a second stage enable merchants to offer to their customers to pay in store with MasterPass and encourage the convergence of payment experiences using new technologies such as NFC and QR code.

From end of November 2013, MasterPass will be available on Ogone's online payment platform, an online, secure and cross-channel solution. This partnership should help to expand the adoption of MasterPass to thousands of e-merchants starting from 2014, who may now benefit from the many advantages offered by this simple and quick solution for consumers.

"On top of our portfolio of over 80 international payment methods, we are pleased to include and provide MasterPass to our clients. As online cross border sales opportunities grow, simplicity and making a wide range of payment methods available are key to helping ecommerce clients improve their check out conversion rates" commented Ludovic Houri, Ogone.

David Dechamps, General Manager, Benelux, observed: "This partnership with Ogone will further strengthen MasterPass momentum and accelerate the adoption commitment of MasterPass in Belgium and in Europe."

Ingenico and MasterCard are members of ACT Canada; please visit www.ingenico.com & www.mastercard.ca.


24. FISERV DEBUTS INTERACTIVE MOBILE SALES SOLUTION TO HELP FINANCIAL INSTITUTIONS ACCELERATE REVENUE
Source: Fiserv (11/07)

Fiserv, Inc. launched Sales Enablement, a fully customized, interactive mobile sales solution that enables financial institutions to become more effective and efficient at selling their products thereby accelerating revenue, reducing costs and streamlining hand-offs to operations.

Using Sales Enablement from Fiserv, a financial institution's account executives can walk into a prospect's office to introduce their institution and its products and services, carrying only a tablet. With assistance or self-navigation, the solution shows available options and then the customer can enroll and sign the required forms. Sales Enablement is currently available for the Apple iPad, with support for additional mobile platforms to be announced.

"As the selling environment has become more competitive and the landscape of the financial industry more regulated, financial institutions are being forced to redesign their selling processes to stay on the cutting edge of competition," said Brian Jorgenson, vice president and general manager, Financial & Risk Management Solutions, Fiserv. "Financial institutions must realign their selling processes to reflect the uniqueness of their organizations and the sophistication of their products and services. Sales Enablement from Fiserv helps them present these complex solutions in a visually interesting and easy-to-understand way that sets them apart from their competition."

Sales Enablement from Fiserv is an interactive, fully customizable brand and message-focused tool designed to elicit a more personal, dynamic sales conversation. It eliminates paper and disparate tools by combining email, documents, collateral, video, ROI and pricing calculators into a single solution that is connected to the financial institution's existing sales management, onboarding and core systems. Sales Enablement can help accelerate sales process timelines with on-screen contract signing capabilities and a seamless hand-off to operations to start the onboarding process, due to its integration with the Fiserv enrollment solution. The solution brings consistency to sales presentations and helps strengthen compliance by providing automatic content updates. It also supports multiple product types within the financial institution including treasury management, wealth, insurance, commercial and small business.

Fiserv is a member of ACT Canada; please visit www.fiserv.com.


25. OBERTHUR TECHNOLOGIES PARTNERS WITH MBANK TO OFFER MOBILE BRANCHLESS BANKING IN EMERGING MARKETS
Source: Oberthur Technologies (12/03)

Oberthur Technologies announced its partnership with mBank, an entity affiliated to the PlaNet Finance group that aims to facilitate financial inclusion through mobile technology, to offer mobile branchless banking in emerging markets.

In these markets, banks and mobile operators need to adapt to deliver the right banking offer to the unbanked population. Today, the expectations of these customers go beyond peer-to-peer and bill payments allowed by most mobile money initiatives. They are looking at services such as loans, savings and insurance. While banks and mobile operators have a real opportunity to answer these expectations via the mobile phone, they need true expertise coming with innovative products and consulting to deliver these services with high scalability and low cost of operation.

Bringing together the m:Wallet solution of the OT subsidiary, MoreMagic and mBank's expertise in branchless banking services, the partnering companies have created an extended mobile branchless banking offer. The m:Wallet, that has already supported a large number of services such as merchant payment and money transfers for more than a decade, will now include a full range of micro-finance services such as loan, credit and insurance. On top of this enriched wallet, the solution will also include core banking and back- office capabilities for operating the branchless bank, risk management tools and business consulting skills.

"The fully packaged offer we are providing with mBank will enable banks and mobile operators to reach an untapped customer segment and to ensure the profitability of their mobile money offers. Mobile microfinance services are expected to create a significant shift in the take off of mobile money with stronger adoption and usage, not only because they are matching the expectation of local populations for real banking services, but also because they will generate higher transaction volumes", said Pankaj Gulati, CEO of MoreMagic, an OT company.

"We aim at serving millions of clients currently not reached by traditional banking and microfinance institutions. With its worldwide footprint in the telecom and banking markets and with MoreMagic's expertise in mobile money, OT is a partner of choice to launch a Mobile Branchless Banking solution. Together, by serving markets that lack a comprehensive banking infrastructure and have a high penetration of mobile telephony, we will further contribute towards financial inclusion" said Arnaud Ventura, cofounder PlaNet Finance Group, cofounder of mBank Group.

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


26. IS HCE NFC'S KILLER APP?
Source: PYMNTS.com (11/04)

The month of November was ushered in by the Red Sox World Series Parade of Champions in Boston (did I mention that the Red Sox won the World Series this year??!!!), the return of daylight savings time (my favorite day of the year besides Christmas and my birthday) and the news Google had launched a new technology that many report will "finally ignite" NFC by moving it to the cloud.

The announcement made by the GOOG on Friday is that it has created a technology called Host Card Emulation (HCE) that can, as the name implies, emulate an NFC card in the cloud, bypassing the need for a secure element (SE) and TSM (trusted service manager) to enable NFC applications, including payment. With HCE, any app can talk directly to a merchant terminal without having to go through a SE and TSM, and without having to conform to the many card provisioning restrictions often placed on issuers by mobile network operators when SEs are in place. HCE leverages tokenization to ensure data security, moving transacting and the intelligence associated with those transactions to the network and control over authentication to the issuer. The hope is the absence of the middlemen—that is the evil mobile network operators—that imposed restrictions and fees will unleash a wave of developers who will now want to build NFC apps—loyalty, transit, payment—that consumers will want to use and support from issuers and networks that have invested for the last decade in NFC schemes.

Many have written that HCE does three things: finally ignites NFC, narrows the mobile commerce playing field to two big players - Apple (which will now embrace NFC) and Google, and accelerates industry efforts to create a tokenization standard.

I agree with only one of these three statements.

Don't get me wrong, HCE is an important development on several fronts. If it does what it says it does, it could actually rearrange the NFC ecosystem in a way that eliminates some of the friction that has added cost and complexity to the mix. Let's ignore the fact that it was Google that first advocated the whole secure element/TSM gig in 2011 when it and Sprint announced a "monumental launch" for Google Wallet on the Nexus S 4G with Citi, MasterCard and First Data. But, hey, kudos to the Google team for moving past that in a way that embraces the technology environment responsible for their massive core business success – software platforms and the cloud.

HCE does embrace tokenization, which provides superior protection of consumer data. Merchants could benefit in a variety of ways, including the potential to reap card present rates for transactions that are processed that way. HCE, and its announcement, I think will only accelerate the efforts of the industry to put a standard in place around tokenization. And it also calls into question the merits of EMV – all of these tokenized, cloud-based solutions only diminish the business case for investing massively in a solution set that solves a problem that we are all massively investing to eliminate in the next 10 years (and sooner if we can) – using physical cards to transact at the point of sale.

So, these two things are goodness and things that Google actually has some control over as it relates to the NFC ecosystem. It's the stuff that they can't control that could become problematic.

For instance, HCE still requires an NFC controller to be present to work – which means handsets have to have NFC chips in them – and merchants have to have NFC terminals in place. It's true that many terminals that shipped in the last couple of years are "NFC ready" (but not activated), and that more handsets are being shipped with NFC chips each year, and that HCE might give merchants a reason to flip the switch. Except that it's really not that easy, as we know, to flip that switch. In the U.S., certain categories of merchants like food services, hospitality and travel and even large retailers are ripping out traditional points of sale and replacing them with integrated tablet systems that are not NFC enabled in any way. It's not clear whether this platform can enable other front-end technologies like BLE or bar code, which I suppose could make a difference in the degree to which it could be used to enable other technologies that would be of interest to merchants. Reports also vary on how many handsets have and will ship worldwide with NFC chips, but even the most optimistic forecasts don't expect the number of handsets with chips to top more than one-third of all smartphones by the end of 2014.

Perhaps most importantly, HCE doesn't solve for the real fundamental elephant-in-the-room-and-sitting-right-on-your-head problem that at this point is well outside of Google's ability to control: NFC never ignited because no one ever developed NFC-based solutions that a lot of consumers wanted to use, and therefore merchants never had a reason to go to the trouble of playing with NFC. Nor does HCE solve what I think is NFC's newest problem: it's damaged goods now and everyone is moving away from it in droves. It's hard to see that HCE is going to get the many that have been burned by NFC in the past to turn around and run toward it again. Once burned, shame on you, twice burned, shame on me – and the "me" in this case may be hard pressed to find the patience and money to welcome NFC back with open arms the second time around.

But, that's not the only reason why I think HCE might get stuck. Google has two another Achilles' Heels that may keep it from getting the scale - and therefore the ignition potential - that others believe possible as a result of the introduction of HCE.

Achilles Heel Number One: Google doesn't really own Android.

Android is an open-source platform. Handset manufacturers sign a license to access Android, but that's about it. Google doesn't dictate what those handset manufacturers do with Android, what apps they use or don't use and how it gets deployed. Licensees are obligated, if they make changes to the Android source code, to give them back to the ecosystem, but there is no requirement for anyone to adopt those changes, nor are there any requirements that Android be used in any sort of standardized way. Handset manufacturers can also add a lot of their own stuff on top of Android. That's why Android has such a fragmentation problem, why developers struggle to monetize apps written for the Android platform and why devices operating Android are not interoperable. What everyone forgets when they report all of the statistics about what a fabulous market share Android has is that the portion of the market attributed to Android is disproportionately lower income individuals (so Android has a much smaller share of spend than it has of handsets) and that the apps ecosystem for Android is much less developed than the iPhone app ecosystem. What they further forget is that, unlike Apple, GOOGLE DOES NOT OWN THAT MARKET SHARE. It has no guaranteed connection to any of those consumers, and the handset makers can make their own decisions on what happens with Android and how the operating system is used.

To put a punctuation mark on that point, the real evidence of this Achilles' Heel is actually who makes money from Android – and, I'll give you a big hint, it isn't Google. In a report published recently on the Motley Fool, it stated that Samsung is the player that actually pocketed nearly 95 percent of all of the profits generated by the entire Android ecosystem. The paltry 5 percent that remains is divided among other OEMs – and not Google. The GOOG makes it money from any ads that it may get to serve on the devices running Android and from having its services accessible to consumers via the mobile device, which is its core business anyway. But, as I said, the money made from the operating system and how it is used is totally at the discretion and decision of the handset manufacturer. And, since Samsung, in particular, has stated an interest in getting more involved in software and services, well, that could be a problem downstream for the GOOG.

Now, I don't want to overstate this. The GOOG knows that it has this problem and it is trying mightily to reduce the reliance of handset manufacturers on the "open source" Android—its Achilles Heel—and trying to create dependencies on its "closed source" Google Play set of assets. But, compared to Apple, it has far less of an ability to do this. China, for example, only uses the open source part of Android and stays pretty far away from anything else Google. I repeat GOOGLE DOES NOT OWN ANDROID in the usual meaning of the word "own."

The implications of this environment for payments and HCE aren't insignificant. Google's ability to force anyone to leverage anything that its operating system does or is capable of doing today isn't non-existent, but it is far more limited than Apple (or even Microsoft if they ever got people to use their closed-source operating system). I also wonder how excited mobile network operators are going to be about pushing out Android phones that essentially disintermediate them. They'll have a preference for handset manufacturers that figure out a way not to install HCE, maybe they'll even go out and find handset manufacturers to do that, and maybe at the margin, since they are disintermediated anyway, they will start tilting towards Apple.

Enter Achilles Heel Number Two: Google and merchant data

HCE is a clever technology solve. But, it does very little to assuage merchants from their number one fear of the GOOG: taking their customer data and serving it up in some way to the competition. Leveraging HCE will have to be monetized in some way – via a Google Wallet scheme or advertising or some combination of the above. And since it's hard to hide the fact that Google makes its money from monetizing data, not from the Android platform itself, it may be very hard to convince merchants that their motive is only to eliminate the dreaded NFC middleman for their benefit. That's a well known, and pretty big hurdle to overcome, at exactly the same time that it is also facing some potential headwinds from one of its biggest customers, Samsung, and possibly others as their operating system becomes more closed.

But, hey, HCE is just one more piece of evidence that the future of mobile commerce will live in the cloud. And there's now a wide range of cloud-based mobile commerce solutions for merchants to choose from. For merchants that have invested in NFC technologies, HCE could represent the final, finishing blow for ISIS. But, what it won't likely do, in my opinion, is convince Apple to break down and embrace NFC. There's still the stark reality that a very tiny, tiny percentage of the merchants in the world are NFC enabled and Apple doesn't owe anyone the gift of using their desirable installed base to ignite a technology for someone else's benefit. Remember, Apple's users control about 70 percent of the spend in the U.S., and Apple certainly knows how valuable its base is. If Apple turned its nose up at carriers and SEs and TSMs, it's not hard to imagine its reaction to a play that for all intents and purposes, has Google functioning as the SE for its mobile commerce transactions.

HCE also, I think, provides some important clues about what we'll be seeing unfold around mobile commerce in 2014. In the end, it's still about the consumer experience and what will compel them to adopt something new, which will, in turn, motivate merchants to enable that experience. If HCE, thrown into the mix as another option, sparks more innovation at the same time it helps to accelerate a standard around protecting cardholder data using tokenization, then that will only raise the game for everyone – and that's a good thing.

Oh, and if you hear a stampede back to NFC just let me know. Of course I'll probably tell you it was more likely the sound of your kids running down the stairs to check out the Loch Ness Monster that was spotted frolicking in your swimming pool.


27. RABOBANK, G&D BRING CONTACTLESS SOLUTION TO NETHERLANDS
Source: MobilePaymentsToday (11/11)

The Netherlands' Rabobank and Giesecke & Devrient will launch a mobile payment solution next year that lets customers pay using NFC-enabled smartphones at stores equipped with contactless point-of-sale terminals.

Rabobank customers who want the service will apply for a mobile payment card online, according to a news release, and will receive the card directly on their smartphone. G&D is supplying Rabobank with its Trusted Service Manager solution as a managed service.

Rabobank had been part of a mobile wallet consortium known as the "Sixpack" with banks and telcos, but the parties agreed to disband last summer. After initially working with other banks on a contactless pilot project, Rabobank has now opted to go on its own.

"We see a steep increase in the use of smartphones for payments in the Netherlands," Jeroen Verrijdt, director of payments and savings, Rabobank Nederland, said in the release. "We already have more daily users of mobile banking than we have for Internet banking. We plan to follow our customers in these developments and want to focus on smartphone developments as in mobile NFC payments."

Florian Reithmeier, G&D's group senior vice president, mobile security, said: "What makes the approach at Rabobank exceptionally interesting is their clear commitment to a broad market introduction in the Netherlands, combined with advanced online processes that guarantee a user-friendly experience."

Giesecke & Devrient is a member of ACT Canada; please visit www.gi-de.com.


28. CIBC EXPANDS MOBILE PAYMENT APP TO BLACKBERRY Z10 AND Q10 SMARTPHONES
Source: CNW (10/31)

CIBC announced an expansion of the CIBC Mobile Payment App to BlackBerry Z10 and Q10 smartphones on the Rogers wireless network, giving more Canadians the opportunity to pay for everyday purchases with their smartphone at the checkout counter.

"Our clients tell us they've enjoyed being among the first in Canada to be able to make everyday purchases at retailers with their mobile device," said Brenda Clark, Vice-President, Payments Innovation and Integration, CIBC. "We are excited to expand our CIBC Mobile Payment App to the BlackBerry Z10 and Q10 smartphones on the Rogers network, bringing this new payment experience to even more of our clients."

In November 2012, CIBC used a BlackBerry Bold 9900 smartphone on the Rogers wireless network to become the first bank in Canada to complete a mobile credit card transaction using the secure SIM card inside an NFC enabled smartphone. The CIBC Mobile Payment App is also available on the Android OS through the Samsung Galaxy S3. Today's announcement represents another step in giving more Canadians a new way to pay for everyday purchases. Additional mobile devices will be added in the coming weeks.

Credit card payments using the CIBC Mobile Payment App are already accepted at thousands of retailers in Canada for purchases under $50 using the same technology used today to accept contactless credit card payments. With the app and a CIBC credit card, clients immediately have access to making mobile payments at some of the most popular retailers in Canada.

The app can be downloaded now from the BlackBerry World storefront for clients using BlackBerry Z10 and BlackBerry Q10 smartphones on Rogers.

CIBC and Rogers are members of ACT Canada; please visit www.cibc.com & www.rogers.com.


29. FIME ACCREDITED BY VISA TO DELIVER VMPA TESTING
Source: GLOBE NEWSWIRE via COMTEX (11/11)

FIME, has been accredited by Visa to deliver Visa Mobile Payment Application (VMPA) testing. This extends FIME's existing Visa payment card and terminal testing portfolio to also include the validation of a Visa payment application on a secure element (SE).

VMPA is a secure applet that resides in the SE and transforms an NFC phone into a payment device, enabling consumers to pay for low cost goods and services by 'waving' their smartphone in front of a contactless payment terminal.

FIME has been accredited by Visa to validate the VMPA application on all SE form factors including microSD, UICC and embedded SE.

Stephanie El Rhomri, NFC & Payments Vendor Business Line Manager at FIME, adds: "We are witnessing increasing demand for mobile payment testing from our customers, who are looking to capitalize on the many opportunities this advancing technology offers. It is important to FIME that we meet these needs and deliver a comprehensive portfolio of testing services to support the evolution of the mobile payments landscape. We are therefore delighted to build on our Visa accreditations and offer VMPA test services."

FIME and Visa are members of ACT Canada; please visit www.fime.com & www.visa.ca.


30. MULTOS CELEBRATES 500 MILLION ISSUED DEVICES
Source: MULTOS (11/19)

Partners of the MULTOS ecosystem are today celebrating the milestone of reaching over 500 million cards used in the field, cementing the reputation of MULTOS as a highly secure, globally established multi-application smart operating system, reports MAOSCO Ltd., the Secretariat of The MULTOS Consortium.

MULTOS products are extensively deployed in markets requiring uncompromising security and flexibility; hallmarks of the MULTOS platform. This makes it ideal for securing payments (such as those used in EMV for card and mobile payment solutions) and securing identity (National e-ID, e-health, etc). The efficiency of the platform provides run times capable of supporting Transit and other speed dependant contactless solutions. Driven by an open Consortium developing and managing the single, comprehensive Specification, MULTOS is perfectly engineered to adapt the unique provisioning mechanism to meet the demands of new and exciting markets, including mobile, post and instant issuance.

"We are proud to reach this historic milestone and would like to thank all our consortium members, partners and issuers for their strong support in making it a reality. This figure represents the commitment of those in the entire MULTOS scheme, and is a powerful endorsement to the technology itself. With new markets and verticals being explored and new partnerships being made, we at MAOSCO see a bright future for MULTOS and the consortium." adds Stuart Attwood, Commercial Director, MAOSCO.

MULTOS is a member of ACT Canada; please visit www.multos.com.


31. UL TO CERTIFY FIRST MIFARE CLASSIC CARD
Source: UL (11/19)

UL is proud to announce that its MIFARE Test Center focused on the functional certification of MIFARE product implementations has certified its first MIFARE Classic card.

UL's MIFARE Test Center opened its doors in July and offers functional certification services for all current and future MIFARE product family members, including MIFARE Classic, MIFARE Plus as well as MIFARE DESFire. Today, UL has certified the very first MIFARE Classic card, which paves the way for future certification, which will lift interoperability issues and enhance time-to-market.

"The certification of the first MIFARE Classic card marks a significant milestone for UL specifically and for MIFARE card testing in general. Testing performed by UL ensures that the card under test has the correct functional requirements specified by NXP's Interface Specification. We are pleased to have the very first card certified, which will ensure interoperability and trust in the market," commented Dirk Jan van den Heuvel, Managing Director of UL Transaction Security.

The UL MIFARE Test Center will guarantee interoperability across 3rd party MIFARE implementations in an increasingly global multi-vendor environment. Whilst this certification is not mandatory, it will certainly help to avoid the potential occurrence of interoperability issues in the field at MIFARE installations in public transport, access management, event ticketing, loyalty and micropayments. More importantly, the certification will not cause any additional delay in the development time of MIFARE enabled products; on the contrary, it will speed up the time to market.

UL is a member of ACT Canada; please visit www.ul-ts.com.


32. HIGH-POWER RFID / NFC MOUNT ON METAL READER FOR CONTACTLESS APPLICATIONS
Source: RFID Canada (11/01)

RFID Canada - RFID and NFC technology provider is introducing a new High-Power RFID Reader for Contactless Payment applications – the CPR46. The CPR 46, also named myAXXESS flatOne, is manufactured by Feig Electronic, is an EMV Level 1 Certified contactless payment reader designed for payment applications as well as for e-Ticketing and e-Mobility applications.

One of the key features of the reader is its ability to mount on metal with full performance (EMV certification included testing when mounted on a metal sheet).

The CPR46 has a thin profile for flush mounting, only 3mm protrusion from the surface, low standby power to support solar or battery powered terminals.

It supports all next-generation contactless credit cards and contactless debit cards including the German girogo cash card. Furthermore, all common ISO14443-A and -B based smart cards could be read and NFC applications are supported. With four SAM Sockets (ID000 format), the CPR46 supports customer specific security applications.

The reader offers high security authentication and encryption, data transfer between the reader and the host is AES256 encrypted. Firm-ware updates are protected by RSA algorithm and authentication.
Integrated in the CPR44 are SoftCrypto and SAMCrypto high-level features for easily operated access to encrypted data of MIFARE DESFire EV1, MIFARE PLUS and MIFARE Ultralight C smartcards. Software Development Kits (SDKs) are available for Windows and Linux (C++, Java, .NET).

RFID Canada is a member of ACT Canada; please visit www.rfidcanada.com.


33. ACS AWARDED NFC FORUM CERTIFICATION FOR ACR1252U
Source: ACS (11/01)

Advanced Card Systems Ltd has received the NFC Forum Certification for its ACR1252U. ACR1252UThe ACR1252U is a next-generation USB NFC reader and one of the first NFC Forum-certified readers in the industry. This contactless reader builds on 13.56 MHz and ISO14443 contactless technologies, which are among the most widely adhered to standards in the industry.

Being authorized to use the NFC Forum Certification Mark proves that the ACR1252U can truly perform the three NFC modes: card emulation, reader and peer-to-peer (P2P). The ACR1252U performs these by mimicking an NFC card/tag, reading an NFC card/tag and interacting with other NFC mobile phones/devices, respectively.

Together, these technical features mean that the ACR1252U is good not only for traditional network security and loyalty applications, but also for some interesting and creative NFC applications, such as smart posters, mobile payments, and file exchange with other NFC devices.

The NFC Forum Certification is also an industry gold standard of compliance that guarantees a level of interoperability with other NFC devices. Given the foreseen upsurge of NFC devices and applications, this interoperability makes devices more versatile and widens options for users.

"The NFC Forum certification was awarded to ACR1252U after a series of laboratory tests. It is another ACS milestone and a proof of our R&D efforts devoted to NFC technology," said Gilbert Leung, VP of Sales and Marketing. "ACS is happy and excited to be one of the forerunners in creating and facilitating adoption of different NFC applications."

Advanced Card Systems is a member of ACT Canada; please visit www.acs.com.hk.


34. UNICREDIT BANK SELECTS GEMALTO FOR MOBILE PAYMENT IN RUSSIA
Source: Gemalto (11/20)

Gemalto has been selected to supply its Optelio Contactless Stickers to UniCredit Bank in Russia. UniCredit Bank is a member of a leading European financial group in banking services with thousands of branches distributed in 20 countries and 50 markets, and the largest foreign bank in Russia. Gemalto's payment sticker can be simply affixed to the rear of the mobile phone to turn any handset without built-in contactless features into a secure contactless payment device. The Optelio Contactless Sticker is certified by international payment associations and is part of the comprehensive range of Gemalto products and services. With this new contract, UniCredit Bank in Russia is once again demonstrating its confidence in Gemalto, having entrusted the company with the migration of their entire banking card portfolio to contactless EMV.

For the Russian market, the stickers can be issued in relation to any current account open with UniCredit Bank. There are approximately 20,000 NFC-enabled terminals in Moscow alone and, with the addition of the user's PIN, the stickers will also support transactions worth over 1,000 rubles (EUR 20).

"We are extremely satisfied with how Gemalto managed the migration of our card portfolio to contactless EMV, so they are the natural choice of partner for the new payment stickers," said Alexander Vishnyakov, head of the Operations Channels Department at ZAO UniCredit Bank. "Gemalto's Optelio solution offers a cost-effective option to deploy contactless payment services to our existing customers immediately, and will be a springboard for mobile NFC adoption in the longer term."

"In launching this new innovative project in Russia, UniCredit Bank is further strengthening the country's contactless eco-system, which will set the ground for NFC deployment," added Jean-Paul Ternisien, Senior Vice President of Secure Transactions at Gemalto. "Additionally, with Russia's well-established contactless public transportation infrastructure, customers are already accustomed to completing transactions with a 'wave' so we believe that NFC technology will also gain user adoption in the payment domain."

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


35. SMART PACKAGING SOLUTIONS (SPS) AND CPI CARD GROUP ACHIEVE A NEW STEP IN DUAL INTERFACE CARD PRODUCTION AND PERSONALIZATION
Source: SPS (11/19)

Smart Packaging Solutions (SPS), an expert in smart card technologies, and CPI Card Group, a leader in financial, EMV and Commercial payment solutions, are pleased to announce that high productivity and reliability for inline production and testing of dual interface cards for the financial market has been achieved.

Thanks to SPS technology, CPI Card Group is positioned to deliver high quality dual interface cards to US-based financial institutions to support the ongoing market migration to EMV in the US. The implementation of this proven technology has provided superior performance in the field and consists of embedding and testing the SPS dual interface module into a uniquely designed card body containing an antenna EBooster manufactured by CPI Card Group with an inline card production and personalization system. This process, adapted to large volume card issuance, ensures high reliability and production capabilities reaching 5,000 cards per hour.

"Our focus is to support our customers in achieving their business goals, and our ability to a deliver state-of-the-art, robust dual interface EMV product is testament to our commitment to provide industry-leading solutions to our customers in their migration to EMV in the US," said Steve Montross, president and CEO of CPI Card Group.

CPI Card Group is a member of ACT Canada; please visit www.cpicardgroup.com.


36. SECUREKEY PARTNER PROGRAM SPEEDS DEPLOYMENT OF EASY, SECURE ACCESS TO WEB AND MOBILE APPLICATIONS
Source: SecureKey (11/07)

SecureKey launched a comprehensive channel partner program designed to accelerate the deployment of multi-factor authentication and identity management solutions that will make it easier for consumers to prove and protect their identity online. The SecureKey Engage Partner Program provides system integrators, consultants, resellers and software solution providers with sales tools and a new Partner Portal they can use to quickly develop and market innovative strong authentication solutions based on SecureKey's cloud-based briidge.net identity and authentication services.

"Consumers struggle with dozens or even hundreds of increasingly complex sign-in IDs, and often use them interchangeably among many online services, which increases their risk and exposure to damaging online attacks," said Andre Boysen, executive vice president of marketing at SecureKey. "By supporting our channel partners in building upon SecureKey's identity and authentication services, we hope to speed the proliferation of solutions that will better protect people's online IDs, and make it easier to access to high-value web services."

Already in use by the Government of Canada, MasterCard and others, SecureKey's briidge.net identity and authentication services allow customers to strengthen their credentials with easy multi-factor authentication, and to federate those credentials over an identity network for destination web sites to leverage.

SecureKey Engage Partner Program
The SecureKey Engage Partner Program enables channel partners to build simple, multi-factor authentication solutions for their customers based on SecureKey's cloud-based briidge.net Connect service. briidge.net Connect employs open APIs to make integration simple and standards-based for future evolution. For channel partners with customers interested in creating or joining a shared credential network, the briidge.net Exchange service lets them connect as an identity provider or relying party through this privacy-enhancing credential and attribute broker service.

"Organizations need to eliminate the user barriers, security weaknesses and costs usually associated with online passwords," said Andy Blenkarn, Government Industry Executive, HP Canada. "The Engage Partner Program offers a valuable way to take advantage of the various SecureKey services to build simple, multi-factor authentication solutions for our customers."

SecureKey Partner Portal
Employing mobile two-factor authentication based on SecureKey's authentication service for security, the new SecureKey Partner Portal is the gateway to Engage Partner Program benefits. Partners can gain access to a broad array of services and benefits, including sales training, tools, marketing materials, competitive information, live demos for customer presentations, email Q&A support during business hours and comprehensive technical documentation. They also have access to a development sandbox with APIs.

Channel partners desiring additional training for implementation services can take advantage of an on-site product and technical certification course, which results in SecureKey Certified Engage Partner status upon completion. Certified Engage Partners receive additional benefits, including joint marketing, priority technical support and lead referral preference.

"SecureKey's cloud-based authentication service can play a crucial role in helping enterprises cope with an increasingly mobile user base," said Yogen Appalraju, vice president, security solutions at TELUS. "The tools, training and other benefits provided by the Engage Partner Program are essential to successfully creating secure, high-value mobile applications and bringing them to market quickly."

Eligibility
Qualified system integrators, consultants, resellers and software solution providers are invited to join the SecureKey Engage Partner Program now by visiting the SecureKey web site at securekey.com/partners, clicking on the "Become a Partner" button on the right side of the page and submitting the requested information.

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


37. CANADA POST ADDED TO MIVA MERCHANT PLATFORM
Source: Canada Post (11/29)

Canada Post announced a new collaboration with Miva Merchant, a leading provider of e-commerce solutions that continues to improve the online shopping experience for Canadian consumers. More than 300,000 online merchants have used Miva Merchant's e-commerce platform worldwide.

With the integration of the Canada Post platform into the Miva Merchant ecosystem, customers will now have access to Canada Post's unparallelled network and delivery experience – including the most convenient return process possible in the country.

"This is another step for Canada Post to continue expanding the e-commerce experience in the country, says René Desmarais, Senior Vice-President, Parcels at Canada Post. "We continue to work with the top retail platform providers to ensure that retailers – and ultimately consumers – have access to the best online shopping experience possible in Canada."

Among the key features added to the Miva Merchant platform: Accurate calculated rates both Retail and Contract based rates; Tracking links directly from the merchant's online store; Works seamlessly with advanced built in Shipping and Boxing rules from Miva Merchant; Automated order fulfillment by printing shipping labels directly within Miva Merchant; Support for both 8.5x11 Paper Labels and 4x6 Thermal Labels natively within Miva Merchant.

"We are very excited about Canada Post's integration with Miva Merchant," said Rick Wilson, CEO of Miva Merchant. "Our vision is to propel powerful e-commerce by developing a better online shopping experience for consumers. Our collaboration with Canada Post will enable Miva merchants to provide the speed, accuracy and convenience that Canadian merchants and consumers desire when shopping online.

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


38. COLLIS BRAND TEST TOOL NOW QUALIFIED BY DISCOVER FOR D-PAS ACQUIRER END-TO-END TESTING & ISSUER RESPONSE SIMULATION
Source: UL (12/04)

UL announces that Discover has qualified both, the Collis Brand Test Tool and the Collis Smart Link Box, for acquirer end-to-end testing.

In order to process EMV transactions on the Discover Network, acquirers are required to execute the Discover D-Payment Application Specification (D-PAS) Acquirer End-to-End test cases. The Collis Brand Test Tool is now qualified to be used for certifying against the latest 12.2 specifications. This qualification includes the D-PAS Issuer Response Simulation, which allows testers to run the complete Acquirer E2E testing with the Collis Brand Test Tool, without the need for an external host simulation.

A key characteristic of the Collis Brand Test Tool is that it covers the test plans for all relevant payment scheme brands. The Collis Brand Test Tool has the ability to simulate any test card. 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 is fully aligned with the Discover Test Specifications. It also provides full insight into 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 behavior of the system from end-to-end. The final verdict of the test case will be shown immediately after running it, without manual efforts to combine results from different sources.

"UL 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 reduce the time to market and increase their confidence during the Discover implementation," adds Maxim Dyachenko, Manager Service Line Test Tools at UL Transaction Security.

Troy Bernard, Global Head of Chip Payments Technology at Discover commented: "We are glad to have the Collis Brand Test Tool qualified for acquirer end-to-end testing, which includes the ability to simulate an issuer response. We look forward to work with UL on various other initiatives.

Discover and UL are members of ACT Canada; please visit www.discover.com & www.ul-ts.com.


39. ING DIRECT TO CHANGE ITS NAME TO TANGERINE
Source: Scotiabank (11/05)

ING DIRECT announced that, effective spring 2014, it will operate under the new name Tangerine. The Bank also revealed its new visual identity at a unique unveiling event held today at the Toronto Centre for the Arts for employees, partners and media, and via live stream for clients.

"Tangerine and the new visual identity exemplify everything ING DIRECT has represented since its start in Canada in 1997, specifically its continued focus on being an innovative and progressive alternative for Canadians who embrace forward banking and banking in a direct way," said Peter Aceto, President and CEO, ING DIRECT. "We're very excited about the new name because it reflects everything our clients love about us and what everyday banking can be: simple, flexible, accessible, progressive and innovative."

When Tangerine launches next spring, clients and all Canadians will continue to experience all they have come to love about ING DIRECT: legendary customer service, leading savings products and a no-fee daily chequing account. Over the next several years the Bank plans to develop new products and services to further its mission to simplify everyday banking.

Tangerine is the result of the culmination of a 12 month process whereby ING DIRECT consulted with more than 10,000 Canadians, employees and clients, through qualitative and quantitative research. The process was focused on a fundamental need to stay true to ING DIRECT's simple, progressive and transparent approach to banking, while also reinforcing to clients and employees a continued focus on innovation.

"This marks a very exciting milestone for the ING DIRECT team as they embark on readying Tangerine for its formal rollout in spring 2014," said Anatol von Hahn, Scotiabank's Group Head, Canadian Banking. "Tangerine is a bold name for a bold business, and we look forward to supporting Tangerine as they grow and offer innovative solutions for customers."

ING DIRECT was acquired as a wholly-owned subsidiary of Scotiabank in 2012, and is required to change its name and visual identity in 2014.

ING Direct and Scotiabank are members of ACT Canada; please visit www.ingdirect.ca & www.scotiabank.ca.


40. YESPAY AND PMC ANNOUNCE STRATEGIC PARTNERSHIP
Source: GLOBE NEWSWIRE via COMTEX (11/14)

YESpay and PMC announced a strategic partnership aimed at delivering mobile solutions to retailers that require secure, PCI-compliant payments. With YESpay mobile payments solution built-in, PMC will ship its recently announced Store Enabler mobile solution. Store Enabler allows retailers to leverage their existing systems and deliver them in store on any Android or iOS mobile device, with full capabilities to scan products, print receipts and take secure mobile payments where required.

Simon Curtis, SVP Strategic Development, YESpay comments: "As pioneers in the secure mobile payments arena, we are delighted to have been chosen as the preferred payments platform for Store Enabler. Together with PMC we can provide retailers with a fast, secure and simple route to deliver their mobile strategies." The YESpay SaaS P2PE encrypted mobile payment service reduces the retailers' PCI liability which in a mobile environment is even more critical to ensure safety of consumers' card data. The advanced YESpay mobile API, built into the Store Enabler platform, gives retailers the choice of devices for use in mobile sales environment and allows extension into the full suite of the YESpay's Omni-channel Payments Platform.

Paul Mason, CEO of PMC states: "We are delighted to be working with YESpay. Taking secure, PCI-compliant customer present transactions is essential for all mobile solutions. However, it can be a challenge. The YESpay solution overcomes that challenge and gives retailers a wide choice of pre-accredited payment devices to select from." Mason closes: "With Store Enabler and YESpay, retailers get a superb platform that makes it easy to deliver their mobile solutions and handle payments securely and efficiently." About YESpay International Limited YESpay International Ltd., a member of the WorldPay Group, is a global card payments service company. It provides highly secure Internet, EMV Chip and PIN, contactless and GiftCard payment processing services to independent and multi-chain merchants.

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


41. INGENICO STRENGTHENS ITS PETROL MARKET OFFERING
Source: Ingenico (11/20)

Ingenico announced it has achieved ATEX certification for its range of wireless payment terminal to bring easy and safe payment mobility in flammable gas environments such as petrol stations.

With the ATEX certification, Ingenico now brings the benefits of mobility to the petrol players thanks to its pocket size design and multi communication capabilities that will improve security and customer experience at the station, especially in emerging markets such as Africa, Middle East, Latin America or Asia.

This ATEX certification is a significant step forward in our petrol market strategy. This demonstrates our capacity to deploy mobile solutions in new areas such as petrol and gas environment. Our petrol market customers and partners can now benefit seamlessly from our ultra-mobile, safe, secure and innovative wireless solutions" declared Guillaume Pascal, VP of Global Solutions Product Management and Marketing at Ingenico.

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


Entering our 25th year, 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.


Please forward any comments, suggestions, questions or articles to . Please note that articles contained in this newsletter have been edited for length, and are for information purposes only. If you would like to be removed from our newsletter distribution list please follow the unsubscribe instructions at the bottom of the email.


Andrea McMullen
Vice President, Operations
ACT Canada
tel: 905 426-6360 ext. 124
fax: 905 619-3275
email: andrea@actcda.com
web: www.actcda.com
mail: 85 Mullen Drive, Ajax, ON, L1T 2B3

http://ca.linkedin.com/in/andreamcmullen


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  • Facilitate problem resolution

because stakeholder dialogue helps you make profitable decisions.

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.