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April 21, 2004 |
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Welcome to the April edition of ACTion News.
This complimentary service is provided by
ACT Canada; "building an informed marketplace".
It is also available in the Resource Centre
of our web site. Please feel free to forward
this to your colleagues.
If you would prefer to receive this newsletter
in plain text please email your request to
andrea(AT)actcda.com.
This newsletter has been sponsored by ACT
Canada's 2004 Partner:
A Coinamatic Company
IN THIS ISSUE:
1. Editorial Comment
2. ACI Worldwide Helping
To Build New Rwandan
Card Payments Network
3. New Smart Card System
For Medicaid
4. Keycorp Scores Big Win
In Norwegian National
E-Commerce Project
5. Retail Logic Smashes
£100bn Transactions
Barrier
6. Senegal, Africa, To
Launch Postal Banking
Project Using LaserCardâ
Optical Memory Cards
7. Credit Union Central
Of Canada & Covarity
Sign 5 Year National Service
Agreement For
Risk Management Solution
8. MasterCard Unveils Online
Authentication
Service
9. U.S. Department Of Defense
Test Biometrics
On Contact & Contactless
Military Ids
10. Additional Stories Available In Members
Only Section
ACT CANADA WOULD LIKE TO THANK OUR NEW & RENEWING MEMBERS:
GENERAL:
CIBC ~ member since 2003
UPCOMING ACT CANADA EVENTS:
Canadian Smart Card Summit
& Golf Tournament:
June 2nd, Diamondback Golf
Club, Richmond
Hill
Cardware 2004: September
23 & 24, OBA
Conference Centre
Drop by our booth at CTST
in Washington next
week (booth 1133)
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1. EDITORIAL
Source: Catherine Johnston, President &
CEO, ACT Canada (04/21) |
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Innovation. Where would we be without it
and where will it take us.
Technology rarely
drives innovation,
but
rather supports it
and while necessity
may
be the mother of
invention, things
that are
necessary don't always
drive our passion
and conviction. Necessity
pushes us to build
solutions, but visionaries
who see what might
be, pull us along
through innovation.
Look at the vision
that brought Interac
debit
to Canadians, put
payment mechanisms
into
gas pumps and brought
government service
kiosks to shopping
malls. These and
other
innovations provide
convenience to Canadians
and in turn, they
reward the innovators
through
their use of these.
Some of those rewards
have been very profitable.
Who will be the new
innovators? Who will
be the first to turn
my cell phone, pc
or
pda into a personal
banking machine by
giving
me electronic money?
Who will let me feel
more confident about
my security and privacy
by taking my personal
information of the
face of the cards
I carry in my wallet?
Who
will make it safe
and convenient for
me to
get through the office
door and sign on
to
the network with
one card?
We are beginning
to see innovators
and leaders
in this market. Coinamatic
has made it convenient
for people to do
laundry without having
to
worry about coins.
They serve over 2.5
million
Canadians every week.
Smart card technology
helps support this
convenience. Millions
of transit users
in the Toronto area
will
benefit from a new
fare card that will
make
it far more convenient
when they cross transit
authority boundaries.
Laser cards, RFID
tags
and smart cards;
both contact and
contactless,
will be used in innovative
ways to please
consumers and benefit
issuers.
Have you seen an
innovative use of
advanced
card technology?
ACT Canada is looking
for
applications that
are on the cutting
edge.
Let us know and next
month I'll tell you
how we are going
to use the information
to
help this market.
GET INVOLVED
Innovators are also
making decisions
about
infrastructure. On
June 2nd, ACT Canada
and
Philip Andreae and
Associates are hosting
the 1st Canadian
Smart Card Summit.
This summit will
bring together leaders
from
Government, Banking,
Industry & Retailers
to share thoughts
and ideas related
to infrastructure.
It's time to bring
these key stakeholders
together to talk
and to create an
ongoing
forum for dialogue.
We are inviting executives
who are responsible
within their organization
for setting policy
and/or defining the
framework for services
that will employ
smart card technology.
They
will represent Federal
and Provincial Government,
Industry, Retail,
Health, Transit and
Finance.
Their task will be
to work in integrated
groups throughout
the day to discuss
the
needs of their sector
and/or companies,
as
well as talking about
ways to minimize
costs
and maximize opportunities.
These sessions
will be combined
with presentations
by speakers
with diverse opinions,
background and card
experiences. We want
to stimulate the
market
by bringing these
executives together
and
providing an ongoing
forum for their communications.
If you would like
to participate, please
visit our web site
www.actcda.com for
more
information.
If you are interested
in serving on a Business
Case workgroup, please
contact us after
May
1st for more information.
Mark your calendar
for September 23rd
and
24th and join us
for Cardware 04 as
we look
at applications that
benefit municipalities,
hotels, hospitals,
retailers, universities
and other organizations
that serve the public.
Until next month,
let me leave you
with a
quote from Michael
Porter, "Innovation
is the central issue
in economic prosperity."
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2. ACI WORLDWIDE HELPING TO BUILD NEW RWANDAN
CARD PAYMENTS NETWORK
Source: ICMA Daily News (03/31) |
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ACI Worldwide announced that SIMTEL, an organisation
set up by the Rwandan government to modernise
the national payments network, has chosen
ACI's BASE24-es(TM) as the foundation for
The Republic of Rwanda's new national inter-bank
card payments network. SIMTEL is also implementing
the ACI Card Management System(TM) for the
management of card accounts and personalisation.
ACI software will provide a flexible framework
for card transactions and promote the use
of cards to Rwanda's unbanked population.
Rwanda's new BASE24-es
infrastructure, integrated
with the ACI Card
Management System,
will
initially support
the issue of Visa
Smart
Debit and Credit
(VSDC) cards. A further
phase will enable
SIMTEL to issue and
manage
pre-authorised debit
cards, compliant
with
Visa Horizon and
VSDC standards. Pre-authorised
debit(1) will allow
SIMTEL to offer card
services to people
without an established
credit history where
online authorisation
is not always possible.
ACI Worldwide is a member of ACT Canada.
Fro more information please visit their web
site at http://www.aciworldwide.com.
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3. NEW SMART CARD SYSTEM FOR MEDICAID
Source: KXAN.com (04/05) |
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Medicaid fraud is a $75 million a year problem
in Texas. What's happening at a local hospital
may help curb the problem and save your tax
dollars.
Medicaid fraud is
often difficult to
prove.
Just between August
and March of this
year,
the attorney general's
office says there
have been $22 million
in overpayments.
Thirty thousand Medicaid
patients in the
Austin area don't
have to worry about
carrying
around a piece of
paper that says they
are
covered by Medicaid.
"Because it
is an ER, people
aren't
usually expecting
to come here. So
they're
not sitting at home
with their form ready
to just come straight
to the ER,"
Frank
Arguello with Brackenridge
ER Admissions
said.
That's where the
smart card comes
in. It
verifies who you
are through your
assigned
Medicaid number and
your fingerprint.
That's
captured on the card
the first time you
use
it.
"The card indicates
that this is who
I say I am, then
this card indicates
they're
eligible for the
services they asked
for
under Medicaid,"
Sister Helen Brewer
with the Seton HealthCare
Network said.
That could save Texas
taxpayers literally
hundreds of millions
of dollars when it
comes
to paying for healthcare
services that were
either never performed,
mistakenly duplicated
or fraudulently sought.
In the Travis County,
there are roughly
150
sites that are part
of the smart card
pilot
program. That includes
the emergency rooms
at Brackenridge and
Children's Hospital.
It will likely be
expanded if it proves
to
eliminate waste and
fraud within the
healthcare
system.
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4. KEYCORP SCORES BIG WIN IN NORWEGIAN NATIONAL
E-COMMERCE PROJECT
Source: Keycorp (03/25) |
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Keycorp announced that the Keycorp MULTOS
smartcard platform had been selected for
a major Norwegian national e-commerce project.
The Norwegian State Lottery, Norsk Tipping,
will issue 2.1 million multi-application
smartcards to all of its registered users.
These smartcards
will allow Norwegians
to
purchase lottery
tickets and bet on
sporting
events through the
Norsk Tipping network
of agents or over
the Internet. In
addition,
the cards will enable
secure access to
a
number of online
public services,
as well
as allowing secure
identification and
payment
to other e-commerce
providers.
Buypass has ordered
2.1 million Keycorp
MULTOS
modules loaded with
Keycorp's public
key
infrastructure (PKI),
an electronic ID
application
that authenticates
users.
Currently about half
the Norwegian population
have Norsk Tipping
gaming cards based
on
the traditional magnetic
stripe technology
but the new highly
secure MULTOS smartcards
will allow players
a wider range of
options.
Buypass has already
implemented a scheme
for Norsk Tipping
using smartcards
for on-line
gaming and services.
Because of its success,
Norsk Tipping is
now migrating all
of its
customers to the
new MULTOS smartcards.
In addition to use
at Norsk Tipping
agents
throughout Norway,
the card can also
be used
by players from a
PC using a card reader
and the necessary
software. This allows
them
to authenticate themselves
to the Norsk Tipping
website, buy lottery
tickets, place bets
and collect their
winnings.
Keycorp is a member of ACT Canada. For more
information please visit their web site at
http://www.keycorp.net.
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5. RETAIL LOGIC SMASHES £100bn TRANSACTIONS
BARRIER
Source: Retail Logic (04/02) |
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Retail Logic reached a major business landmark
- new statistics reveal that the company's
software handled more than £100 billion worth
of UK card transactions in the last 12 months.
Chairman Gareth Wokes,
"Our software
and services are
now in use in more
than
1,000 organisations
with new household
names
coming on board each
month. This represents
well in excess of
250,000 points of
sale,
making us the clear
leader in our field."
Retail Logic has
expanded its geographic
reach through the
signing of a number
of
strategic partnerships
with market-leading
companies such as
Wincor Nixdorf, which
has
chosen Retail Logic
as software partner
for
EMV migration worldwide.
As a result, projects
are already in place
with leading European
retailers, vindicating
the company's strategy
of growth through
partnership.
"It's great
to be able to announce
that
we've been trusted
to upgrade more than
100,000
points of sale to
Chip & PIN,"
adds
Retail Logic's Managing
Director Tim Stratton.
"Chip &
PIN now looks set
to provide
us with a steady
revenue stream for
at least
the next two years.
Due to the frustrating
lack of stability
in Chip & PIN
accreditation
requirements, it
is now clear that
a large
number of mid-tier
retailers will fail
to
meet the January
2005 migration deadline.
Many of them are
waiting until their
next
PoS hardware refresh
and we will be introducing
new offerings specifically
for this area
of the market."
Retail Logic is a member of ACT Canada. For
more information please visit their web site
at http://www.retail-logic.com.
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6. SENEGAL, AFRICA, TO LAUNCH POSTAL BANKING
PROJECT USING LASERCARDâ OPTICAL MEMORY CARDS
Source: LaserCard (04/06) |
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LaserCard Systems Corporation announced a
purchase order valued at $140,000 for LaserCardâ
products for a secure banking project under
the auspices of Societe Nationale La Poste,
the national Post Office of Senegal, Africa.
The order includes LaserCardâ optical memory
cards, and secure card encoders and readers,
to facilitate consumer banking transactions
at post office branches.
The cards and
equipment called
for by the
new purchase
order will
be delivered by mid-April,
2004. It is
anticipated
that the project
will commence
in Dakar, the
capital city
of Senegal,
by early May.
A data capture
and personalization
system
has been supplied
for this project
to enable
the enrollment
of cardholders,
whose facial
image and fingerprint
templates will
be stored
on the card's
optical memory
for ID verification
during each
banking transaction
at the post
office branches
LaserCard is
a member of
ACT Canada. For
more information
please visit
their web site
at http://www.lasercard.com.
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CTST 2004 - APRIL 27 - 29, WASHINGTON, DC
For 14
years
the CardTech/SecurTech name
has been
synonymous
with progressive content
and technology
relating
to the advanced card,
biometric
and security
technology industries.
Wired
prognosticators
fed the
market's unbridled
optimism,
until
they
were driven away by
bear-marketers.
The debate
rages.
Meanwhile,
in spite
of a
lingering
technology recession,
advanced
card
and biometric
technologies
have
quietly
and insistently
entered our
lives,
speeding
our transactions,
protecting
our identities,
securing
our perimeters
and
giving
marketers
a new
tool in the fight
for consumer
loyalty.
Global
demand
for smart
cards is projected
to grow
at a
healthy
rate of eleven percent
yearly
through
2006*.
CTST 2004 will survey
this
"promise
fulfilled"
of real-world
applications
in several
important
sectors,
including
retail,
financial
services, government
and security.
For more information please visit: http://www.ctst.com/conferences/CTST04/conference.html
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7. CREDIT UNION CENTRAL OF CANADA & COVARITY
SIGN 5 YEAR NATIONAL SERVICE AGREEMENT FOR
RISK MANAGEMENT SOLUTION
Source: Canadian Newswire (04/12) |
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Credit Union Central of Canada (Canadian
Central) and Covarity Inc. announced that
they have finalized a five year agreement
for credit risk management services. The
agreement will provide Canada's credit unions
access to Covarity's solution for automating
financial statement gathering, credit risk
analysis, and financial reporting for small
and medium sized (SME) enterprise credit
products.
Covarity is a real-time loan monitoring,
review and management product designed to
assist credit unions in their administration
of commercial accounts. Credit unions will
now have access to a service that automates
and standardizes credit risk management practices
associated with portfolio management.
Credit Union Central of Canada is a member
of ACT Canada. For more information about
the above listed companies, please visit
their web site at http://www.cucentral.ca & http://www.covarity.com.
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8. MASTERCARD UNVEILS ONLINE AUTHENTICATION
SERVICE
Source: ICMA Daily News (04/07) |
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MasterCard has unveiled an online authentication
service in Latin America designed to make
users feel more secure when shopping over
the web.
The service, called SecureCode, can be used
for both debit and credit transactions, and
will launch commercially in Brazil "within
a few months," and in the rest of Latin
America in the second half of the year, MasterCard
Brazil chief executive Marcelo Leite told
BNamericas.
Instead of having to type the entire credit
card number when making a purchase online,
customers will be able to use only the last
six digits, making it impossible for criminals
to copy the number. Additionally, in order
for purchases to be made effective the customer
will have to provide their bank account number
and online password.
For those customers using smart, banks will
begin selling a US$10 device to use at home
to authenticate credit cards when making
online purchases.
In Brazil the offline retail segment was
stagnant in 2003, while the online segment
grew 40%, according to Leite. The credit
card industry in general has a huge interest
in migrating commerce offline to online.
The retail segment began asking MasterCard
for increased online security two years ago.
Its interest in enhancing online payment
security is also to move more commerce online,
to then save on operational costs, he added.
MasterCard Canada is a member of ACT Canada.
For more information please visit their web
site at http://www.mastercard.com.
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9. U.S. DEPARTMENT OF DEFENSE TEST BIOMETRICS
ON CONTACT & CONTACTLESS MILITARY IDS
Source: SecureIDNews Monthly Edition (04/07) |
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After three Common Access Card (CAC)-biometric
technology demonstration (TD) projects, the
Department of Defense (DoD) is considering
moving into phase 2 of a program that could
lead to four-million+ biometric enabled DoD
CACs.
But the timeframe is still uncertain. Phase
2, for which vendor support has not yet even
been requested, is still on the drawing boards.
And once it has begun, it will take more
than year to complete, according to Min Chong,
Senior Project Manager on the CAC biometrics
effort for the DoD Biometrics Management
Office (BMO).
There are still key questions to be answered:
Will the biometrics be used on the contact
or contactless chip? Will the biometrics
be stored and matched on or off the card?
One thing for certain is that the next generation
CAC will include a 64K contact chip versus
the 32K chip on current cards, said Mr. Chong.
This move will create additional space for
the inclusion of biometric templates on the
card.
"The DoD CAC-Biometrics Working Group
(BWG) was tasked to explore the inclusion
of biometrics technology on the CAC and provide
a recommendation to the DOD Smart Card Senior
Coordinating Group on how biometrics should
be utilized with the next generation CAC
card," added Mr. Chong. The next generation
CAC will have a 64K chip but the incorporation
of the contactless capability will be determined
at a later date.
The reason is simple. "When you add
more functionality, the card becomes more
expensive," said Mr. Chong. "The
key stakeholders will want to know what the
requirements are and what kind of return
they can expect on their investment."
The three TDs were performed during the past
two years. The first TD explored using biometrics
to open the CAC in lieu of, or as an alternative
to a PIN. The second TD examined using biometrics
stored on a CAC for logical and physical
access. The third looked at using the contactless
technology with biometrics, explained Mr.
Chong.
Here is a more detailed breakdown of each
project, as provided by Mr. Chong:
CAC-A
The first project, referred to as CAC-A,
focused on the development of four-scenario
proof-of-concept designs to accommodate three
different types of DoD users. Each design
used biometrics in addition to, or as an
alternative to, but not as a replacement
for the PIN. Phase I consisted of two distinct
parts. Part 1 of Phase I solicited contractor
teams to develop biometric technology solutions
to satisfy the requirements of four demonstration
scenarios:
Scenario 1: Store biometric template on the
server and perform match operations on the
server. This is designed for the desktop
PC.
Scenario 2: Store biometric template on the
workstation and perform match operations
on the workstation. This scenario is designed
to meet the needs of the mobile DoD user.
Scenario 3: Store biometric template on the
CAC and perform the match operation on the
server. This is designed for a DoD user who
needs to securely transport his or her biometric
to multiple sites and use it in both physical
and logical network systems.
Scenario 4: Store a biometric template on
the CAC and perform the match operation on
the CAC. This is designed to meet the needs
of both users identified in Scenarios 1 and
2 but never require the passing of biometric
information outside of the CAC or middleware.
Part 2 of Phase I was an effort to develop
an applet that supports a generic/non-proprietary
PIN/key (buffer) solution for the CAC. The
Defense Manpower Data Center (DMDC)-West
was responsible for Part 2 of Phase I and
is currently developing a new Access Control
Applet (ACA) with a biometric plug-in capability.
CAC-B
The second demonstration project, called
CAC-B, was a continuation of CAC-A Scenario
3 in which the biometrics template was stored
on the CAC and the match operation was performed
on the server. This effort used the CAC as
a transport device for a biometric template.
The purpose of the CAC-B technology demonstration
was to demonstrate the use of a Biometric
Attribute Certificate on the CAC and test
its functionality in both physical and logical
access environments. Also, the CAC-B utilized
a digitally signed biometric template along
with other information that allowed revocation
and assurance provided by the X.509 standards
and format.
CAC-C
CAC-C, the third demonstration project, focused
on the use of biometrics with contactless
technology. The goal of CAC-C was to provide
the DoD community an open and interoperable
contactless physical security solution that
uses biometrics as an authentication mechanism
for a physical access system, a portable
physical access system, and a physical access
system utilizing a turnstile. CAC-C demonstrated
five scenarios with each scenario employing
both Mifare and DESFire contactless technologies.
Scenario 1A:
Store biometric template at reader, match
at reader.
Scenario 1B Stationary:
Standalone biometric reader, match at reader.
Scenario 1B Mobile:
Mobile biometric reader, match at reader.
Scenario 2:
Store template on contactless chip, match
at reader.
Scenario 3:
Store template on control panel, match at
control panel.
Phase II yet to begin
When the project moves into the second phase,
said Mr. Chong, CAC-A and CAC-B Phase II
efforts will be merged into one effort with
two distinct parts.
Part 1:
Concept Refinement will focus on the two
distinct possible CAC-Biometric capabilities,
the Match-On-Card vs. Match-Off-Card. "This,"
said Mr. Chong, "requires further analysis
and studies to determine if the inclusion
of biometric technology on the CAC provides
a secure, accurate, convenient, and cost
effective authentication mechanism for the
DoD."
Part 2, he added," will build on CAC-Biometric
Phase I results and lessons learned to develop
a prototype capability that reflects the
optimized results to attain a potential CAC-Biometric
solution for DoD. The BWG will provide an
assessment of each of its recommendations
in terms of availability of biometric standards."
In essence, "we first wanted to prove
that we could use biometrics with the CAC,"
said Mr. Chong. " Phase 2, not initiated
yet, will determine how we would incorporate
the biometrics technology with the next generation
CAC."
Undecided yet, he added, is which biometric
will be used. All types of biometrics-facial,
retina scans, but "primarily fingerprints"-were
tested in the demonstration projects.
Concludes Mr. Chong, "based on the findings
from Part 1, we would build a prototype for
Part 2, simulating what the real system would
look like-the card specs, the databases,
everything. This entire process would take
another year."
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| 10. ADDITIONAL STORIES AVAILABLE IN ACT CANADA
MEMBERS ONLY SECTION |
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These additional stories will now be available
to ACT Canada members via the Members Only
section of our web site. Click on the link
below to access this section. If you are
a member of ACT Canada but do not have your
login details please contact me - andrea(AT)actcda.com.
http://www.actcda.com/members-only/news.htm
GO Transit Drives Smart Card Plan
Multi-Application E-Government & National
ID Card Programs To Provide Biometric Security
To Kyrgyzstan
$1.7 Million Contract Awarded To Evaluate
Biometric Smart Card Pilot For Texas Health
& Human Services Commission
Malaysia's National 'MyKad' ID Card Succeeding
Through Service To Citizens
Self-Funded PKI - Land Management Makes Business
Case For Smart Cards
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| ACT Canada is an international non-profit
association for the advancement of card technologies.
We work on behalf of our members to promote
the awareness, understanding and use of all
advanced card technologies; including optical,
smart, capacitive and emerging technologies.
If you would like to learn more about ACT
Canada membership please visit http://www.actcda.com or contact our office at (905) 426-6360. |
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| Please forward any comments, suggestions,
questions or articles to andrea(AT)actcda.com.
If you would like to be removed from our
newsletter distribution list please reply
to this email with the word "REMOVE"
in the subject field. Please note that articles
contained in this newsletter have been edited
for length, and are for information purposes
only. |
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Andrea McMullen
AVP
ACT Canada
tel: 905 426-6360 ext. 24
fax: 905 619-3275
email: andrea(AT)actcda.com
web: www.actcda.com
mail: 85 Mullen Drive, Ajax, ON, L1T 2B3 |
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