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November 28, 2005 |
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Welcome to the November 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.
IN THIS ISSUE:
1. Editorial Comment
2. Visa Releases Contactless Payments Specs
3. Axalto Unveils In-Bank
Customised EMV
Cards
4. ADVT Testing - Complete
Solution With
Rapid Dispatch, Ease Of
Update & Powerful
Analysis
5. G&D Offers Contactless
Cards Through
Visa Smart Breakthrough
& Provides 1st
Contactless Card To Market
With Half Size
Printed Antenna
6. Hitachi, Keycorp, MasterCard
To Set Up
Smart Card Venture
7. Ingenico Gets MasterCard,
Visa Approvals
For Contactless Payment
Module
8. SCM Microsystems' Expresscard
Reader Available
9. Canadians Ask For Faster
& Better
Loyalty Rewards
10. 1st Prepaid Visa Gift
Cards Introduced
In Canada
11. CPI Card Group Offers
Contactless Card
Through Visa Smart Breakthrough
12. Mint Partners To Establish
A Nationwide
Rollout For Sale &
Reloading Of Prepaid
Credit Cards
13. Gemplus Wins Sesame
Award
14. QI Systems Now Supporting
Parcxmart
15. Wawa Customers Can Now Experience MasterCard
PayPass
16. Kiosk Industry To Grow
By 20%
17. Additional Stories
Available In Members
Only Section
ACT CANADA THANKS OUR NEW & RENEWING
MEMBERS:
PRINCIPAL:
Axalto ~ new member
GENERAL:
Aconite ~ new member
Coinamatic ~ member since
1995
LaserCard ~ member since
1999
Scotiabank ~ member since
1997
STMicroelectronics ~ new
member
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1. EDITORIAL COMMENT
Source: Catherine Johnston, President &
CEO, ACT Canada (11/28) |
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A World of Experience
Every few years a
new expression emerges
into the business
world. "Think
globally
and act locally"
is one relevant to
our Canadian marketplace.
We are not on the
bleeding edge of
EMV or secure ID,
so we
can benefit from
the experiences of
those
who preceeded us.
The trick is to find
the
right source for
information.
Three years ago ACT
Canada joined with
other
associations from
around the world
to help
source that data
for our members.
We formed
the International
Smart Card Associations
Network (ISCAN) and
I am pleased to announce
that at our recent
meeting at Cartes
we took
a number of steps
to help you find
the information
you need to protect
your investments.
WWW.ISCAN.CA, our new web site, will lead you to data
from Australia, China, Europe, France, India,
the United States and, of course, Canada.
If you want to know how many cards were shipped
last year by sector, ISCAN will take you
to Eurosmart, who track that data. Whitepapers
and privacy design tools will be available
from the Smart Card Alliance and ACT Canada.
As the site grows over the coming months
much more information will be available.
Visit us in January!
To find out where
the world's best
conferences
are being held and
to see their programs
- visit the site.
You'll be able to
meet
and talk with ISCAN
members at CTST and
Cartes
and get the latest
updates on the news
from
each region.
ISCAN also moved
to hold elections
every
18 months to provide
leadership continuity
and ensure that elections
are held alternatively
in Europe and North
America. Philippe
Delanoue
of AFPC is the current
Vice Chairman and
I am pleased to serve
as
Chairman.
ISCAN will help you
think globally: ACT
Canada
will help you act
locally.
This is our last
ACTion e-news for
2005.
On behalf of Andrea
McMullen and myself,
we wish you a happy,
healthy holiday season
and our very best
wishes for a wonderful
2006.
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2. VISA RELEASES CONTACTLESS PAYMENTS SPECIFICATION
Source: Contactless News (11/23) |
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To guarantee that Visa contactless cards
can be used throughout the world, the credit
card giant recently issued new contactless
payment specs that provide additional security
options and enhanced performance for faster
transaction processing.
Visa International
released a global
contactless
payments specification
that will ensure
Visa
cardholders can use
their contactless
cards
worldwide while still
providing issuers
with
the flexibility to
customize programs
to
meet local market
needs. The specification
provides additional
security options
and
enhanced performance
for faster transaction
processing.
The new framework
is compatible with
existing
Visa contactless
card programs in
the market
and in development.
Cards can use magnetic
stripe functionality
or follow the more
enhanced
chip or smart card
functionality enabled
by the global EMV
standard. The specification
supports all payment
platforms - credit,
debit and prepaid.
Visa updated the
specification to
provide
an effective roadmap
for financial institutions
and vendors to move
to interoperable
programs.
The specification
provides flexibility
by
allowing issuers
to choose the options
and
features that best
meet their local
market
needs while ensuring
global interoperability.
It also provides
enhanced security
options
to enable greater
card and data protection.
Another major feature
of the specification
is that communications
between the card
and
terminal have been
streamlined to provide
faster transaction
processing. This
makes
contactless ideal
for both low-value
environments
where speed is of
the essence, such
as parking
garages, quick service
restaurants, and
convenience
stores, and high-value
environments where
the use of PIN or
signature still offers
convenience and customer
security.
Visa Canada is a
member of ACT Canada;
please
visit their web site
at http://www.visa.ca.
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3. AXALTO UNVEILS IN-BANK CUSTOMISED EMV
CARDS
Source: Axalto via the Wise Marketer (11/18)
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The chip card provider Axalto has launched
Instant Issuance, a secure end-to-end solution
that allows banks to immediately issue personalised
EMV smart cards within their branches, with
a design customised on request. In other
words, not only can banking customers get
their new smart card on the spot but they
can also have a personal picture added to
it and choose their card body and PIN code
at the same time. It is expected that this
service will contribute to increased customer
satisfaction and loyalty because the cards
are more personal and are delivered more
quickly than the usual several-day processing
and postage period.
In other news, Axalto
won the "Best
ID Application of
the Year", the
"Best
Hardware of the Year"
and the "Best
IT Security Application
of the Year"
(in partnership with
STMicroelectronics)
awards at the smart
card industry's Cartes
exhibition, demonstrating
its leadership
in smart card innovation.
Axalto is a member of ACT Canada; please
visit their web site at http://www.axalto.com.
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4. ADVT TESTING - EXCEPTIONAL VALUE ON COMPLETE
SOLUTION WITH RAPID DISPATCH, EASE OF UPDATE
& POWERFUL ANALYSIS
Source: ICC Solutions (11/15) |
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ICC Solutions announced the launch of a new
dedicated solution for performing Visa Acquirer
Device Validation Toolkit (ADVT) testing.
This new, unrivalled solution offers exceptional
value. Designed to be totally self-contained,
with no other components required, this low-cost
solution can be dispatched immediately, is
simple to use, facilitates rapid updates
to ADVT tests, and provides detailed and
comprehensive analysis of ADVT test execution.
The ADVT tests are designed to be used on
terminals to ensure correct terminal configuration,
to assist with integration and interoperability
testing, and to ensure that Visa's terminal
requirements are being met. Based on ADVT
Usage Guidelines v1.0 issued by Visa, the
use of the Acquirer Device Validation Toolkit
(ADVT) is now mandated by Visa International
for Chip Acquirers deploying new EMV Chip-Reading
Devices or those making modifications to
existing devices.
ICC Solutions and
Visa Canada are members
of ACT Canada; please
visit their web sites
at http://www.iccsolutions.com & http://www.visa.ca.
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5. GIESECKE & DEVRIENT OFFERS CONTACTLESS
CARDS THROUGH VISA SMART BREAKTHROUGH &
PROVIDES 1st CONTACTLESS CARD TO MARKET WITH
HALF SIZE PRINTED ANTENNA
Source: ICMA Daily News (11/15) |
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Giesecke & Devrient (G&D) announced
at the Cartes Exposition in France, their
Contactless Card Suite of products.
Visa Smart Breakthrough
is a global initiative
to enhance the business
case for chip technologies
worldwide by making
cards, terminals
and
personalization solutions
more cost-effective
to financial institutions,
merchants and
consumers.
Samples of this next
generation of contactless
cards are immediately
available and volume
production will begin
for North American
financial institutions
in January 2006.
"The
commitment of the
partners participating
in this program,
coupled with the
operational
efficiencies gained
by experience, permits
the ability to offer
cost effective contactless
payment cards,"
said Kim Madore,
Director
of Emerging Technology,
North America, G&D.
The G&D Contactless
Card Product Suite
delivers enhanced
performance, durability
and quality. This
next generation of
contactless
cards is the first
to deliver a half
size
antenna. The half
size antenna not
only provides
enhanced performance
but the ability for
financial institutions
to continue to meet
existing levels of
service their cardholders
have come to expect
with four full lines
of embossing. G&D's
Contactless Product
Suite will offer
a choice of etched
and printed
antennas. The financial
institution can choose
the contactless product
that meets their
unique requirements.
Giesecke & Devrient
and Visa Canada are
members of ACT Canada;
please visit their
web sites at http://www.gi-de.com & http://www.visa.ca.
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6. HITACHI, KEYCORP, MASTERCARD TO SET UP
SMART CARD VENTURE
Source: Reuters (11/26) |
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Hitachi said it would set up a joint venture
this month with MasterCard International,
Keycorp and a U.S. venture capital firm to
promote advanced smart cards.
Japan's largest electronics
conglomerate
will invest $2.41
million to take an
18 percent
stake in the venture,
to be established
in
San Francisco.
MasterCard will take
a 20 percent stake,
while Keycorp, a
provider of smart
card operating
systems, is set to
hold 18 percent and
Oak
Hill Venture Partners
will take the remaining
44 percent.
The venture will
promote cards based
on a
multi-application
operating system
called
Multos, which can
add various functions
such
as biometric user
identification to
conventional
cards.
Hitachi aims for
its smart card-related
business,
such as equipment
to read and write
data
on the cards, to
total 80 billion
yen in
three years to March
2009.
Keycorp and MasterCard are members of ACT
Canada; please visit their web site at http://www.keycorp.net & http://www.mastercard.ca.
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7. INGENICO GETS MASTERCARD, VISA APPROVALS
FOR CONTACTLESS PAYMENT MODULE
Source: ICMA Daily News (11/15) |
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Ingenico has gained MasterCard PayPass and
Visa MSD (Magnetic Stripe Data) contactless
payment approvals for its contactless payment
expansion module, the company said on November
14, 2005.
Ingenico's
module design
enables its portability
to other Ingenico
payment terminals
and for
use outside
the USA for
transaction acceptance
requiring EMV
(Europay Mastercard
Visa) smart
cards standard.
The expansion
module will
be available for
use with the
i6700 colour
touch screen terminal
and i6500 customer-activated
payment terminal
later in 2005,
Ingenico indicated.
Ingenico, MasterCard & Visa are members
of ACT Canada; please visit their web sites
at http://www.ingenico-ca.com; http://www.mastercard.ca; & http://www.visa.ca.
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8. SCM MICROSYSTEMS' EXPRESSCARD(TM) READER
IMMEDIATELY AVAILABLE
Source: ICMA Daily News (11/14) |
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SCM Microsystems introduced its new ExpressCard(TM)
readers, offering high performance and scalability
using the new ExpressCard interface specifications.
"The ExpressCard Standard represents
the next-generation of PC Card technology
for high-performance interfaces in both mobile
and desktop environments," said Brad
Saunders, chairman, PCMCIA, the association
that developed the standard. "It's great
to have (SCM Microsystems) now offer the
latest in high-performance smart card reader
technology specifically for ExpressCard plug-n-play
technology."
The ExpressCard Standard (http://www.expresscard.org/)
delivers high-performance, modular I/O expansion
to both desktop and notebook computers at
a lower cost and in a smaller form factor
than today's PC Card technology. Users are
able to add flash memory, wired and wireless
communications, multimedia and security features
by inserting ExpressCard modules into compliant
host systems. ExpressCard technology leverages
USB 2.0 and PCI Express to bring higher performance
and ease of use to the end user while retaining
the reliability, durability, and expansion
flexibility of PC Card technology. The ExpressCard
standard was developed by the PCMCIA organization,
of which SCM Microsystems serves on the executive
committee.
SCM Microsystems is a member of ACT Canada;
please visit their web site at http://www.scmmicro.com.
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9. CANADIANS ASK FOR FASTER & BETTER
LOYALTY REWARDS
Source: Canadian Marketing Association (11/21) |
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Canadian consumers are asking for faster
and better customer loyalty programme rewards,
according to a recent study by the Canadian
Marketing Association (CMA). Tangibility
of rewards seems to have been a dominant
theme. More than one-third (34%) of consumers
said that the time it takes to accumulate
enough points to redeem is a major influencer
when choosing a rewards programme (and consequently
choosing the retailer they need to use).
Almost the same number (35%) rated the variety
of products and services offered as part
of the reward package as being important.
Overall, nearly three-quarters (72%) claim
to be enrolled in at least one loyalty programme,
with an average enrolment of 2.2 programmes
per person. The Making and Breaking Loyalty
study was based on 1,000 telephone interviews
with Canadian consumers, carried out by Toronto-based
Logit Group.
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10. FIRST PREPAID VISA GIFT CARDS INTRODUCED
IN CANADA
Source: Vancity (11/15) |
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Tapping a $2.4 billion industry, prepaid
VISA cards are now available in Canada with
the launch of a series of gift cards by a
Vancouver-based credit union and its national
subsidiary.
Vancity, Canada's largest credit union and
Citizens Bank of Canada, its virtual bank
subsidiary are introducing six prepaid VISA
gift cards in time for the holidays. Accepted
at any merchant in the world that takes VISA
cards electronically, all the cards offer
the convenience of a traditional gift card
without the restrictions on where they can
be redeemed, making them the only VISA gift
cards available in Canada to offer this flexibility.
Most cards can be loaded for any amount ranging
from $25 to $500. If lost they can be replaced.
Online purchases are allowed and purchases
can be made in any currency and will be converted
to Canadian dollars just like a regular credit
card transaction.
A first in Canada, research shows gift card
market potential in Canada to be worth $2.4
billion. In British Columbia alone the market
is estimated to be worth approximately $400
million and expected to grow 20 per cent
to $690 million by 2008.
Visa Canada is a member of ACT Canada; please
visit their web site at http://www.visa.ca.
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11. CPI CARD GROUP OFFERS CONTACTLESS CARD
THROUGH VISA SMART BREAKTHROUGH
Source: CPI (11/10) |
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CPI Card Group announced it will be manufacturing
a new, optimized contactless card offered
through the Visa Smart Breakthrough program.
The new contactless card was jointly developed
by CPI Card Group, INSIDE Contactless and
Smartrac Technology Ltd.. CPI Card Group
offers commitment to produce cost-effective
products for a growing market.
CPI is a pioneer of contactless payment technology
in the United States and is the first card
manufacturer to invest in large contactless
card production capacity. After delivering
several million cards in 2005, CPI is getting
ready to produce more cost effective and
reliable contactless cards in 2006. CPI Card
Group will start deliveries of the new contactless
card in January of 2006.
CPI Card Group is a member of ACT Canada;
please visit their web site at http://www.cpicardgroup.com.
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12. MINT PARTNERS WITH NOW PREPAY TO ESTABLISH
A NATIONWIDE ROLLOUT FOR THE SALE & RELOADING
OF PREPAID CREDIT CARDS
Source: Mint (11/09)
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Mint Inc. and Now Prepay announced the creation
of a partnership that will be able to sell
and reload cards from Mint's portfolio of
prepaid credit cards. Mint's products will
be distributed through Now Prepay's national
network in Canada. Among the initial retailers
included in the network are Super Save Gas,
Time Out convenience stores, Pioneer Petroleums
and participating Esso locations across the
country.
Under an agreement signed today, Now Prepay
will provide a secure point-of-sale system
for activating and reloading Mint's prepaid
credit cards over Now Prepay's existing national
prepaid network. Retailers participating
in the program will prominently display the
Mint logo. Customers will be able to purchase
prepaid credit cards at designated locations
and existing cardholders will be able to
reload their prepaid credit card with funds.
Now Prepay has an estimated 7,300 retail
partner locations in Canada.
Mint Inc is a member of ACT Canada; please
visit their web site at http://www.mintinc.ca.
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13. GEMPLUS WINS SESAME AWARD FOR MOST COMPACT
IMPLEMENTATION OF THE .NET PLATFORM FOR NETWORKED
SECURE DEVICES
Source: ICMA Daily News (11/15) |
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Gemplus announced that its innovative smart
.NET-based platform for networked secure
devices such as USB dongles, secure MMC and
smart cards has won the Sesame Award for
Best Software at the Cartes 2005 Conference
and Exhibition.
The demonstrated solution offers a set of
features that make integration of secure
devices into IT infrastructure easy and seamless.
Among the main features are: TCP/IP connectivity,
standard .NET file format without external
converter, multithreading and automatic garbage
collection.
The smart .NET-based platform from Gemplus
is a prototype providing a compact but compliant
implementation of the ISO/ECMA-335 standard
which characterizes the .NET environment.
This software makes the development and deployment
of software for secure devices as easy as
any .NET desktop application with the same
language, tools and behaviour. It embeds
standard Internet protocols so that applications
can directly communicate as a peer with any
networked service.
Gemplus is a member of ACT Canada; please
visit their web site at http://www.gemplus.com.
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14. QI SYSTEMS NOW SUPPORTING PARCXMART TECHNOLOGIES
PAYMENT SOLUTIONS
Source: QI Systems (11/15) |
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QI Systems Inc. announced that its technical
team has completed the integration of system
support for the Parcxmart card in the QI
Hybrid line of smart-card POS terminals.
The QI Hybrid is the payment-terminal series
designed for use in the parking industry.
Integration of the patent-pending Parcxmart
payment solution with the QI Hybrid terminals
means that Parcxmart cards can now be accepted
in Cale multi-space meters and other devices.
Customer testing of the Cale meter with Parcxmart
card payment is now proceeding, with revenue-producing
installations anticipated shortly.
QI Systems is a member of ACT Canada; please
visit their web site at http://www.qisystems.ca.
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15. WAWA CUSTOMERS CAN NOW EXPERIENCE MASTERCARD
PAYPASS
Source: MasterCard (11/10) |
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Wawa, a leading convenience store chain with
more than 540 locations in the mid-Atlantic
region, announced it will begin accepting
MasterCard PayPass, a contactless payment
option, in all New Jersey, Pennsylvania and
Delaware stores. Maryland and Virginia stores
will begin accepting the payment option by
the end of 2005. In addition, all 150 Wawa
locations with gas pumps will also be equipped
to accept MasterCard PayPass by early 2006.
Wawa customers with a MasterCard PayPass
card can pay for purchases both in-store
and at the pump.
PayPass-enabled cards, like other traditional
MasterCard cards, also include magnetic stripe
technology, so cardholders can use the cards
anywhere MasterCard is accepted around the
world. The following merchants have announced
that they will accept MasterCard PayPass:
participating McDonald's, 7-Eleven stores,
Ritz Camera Centers, Boater's World Marine
Centers, Sheetz, Regal Entertainment Group
theatres (Regal Cinemas, United Artists Theatres
and Edwards Theatres), Duane Reade and Meijer
Stores. PayPass is also accepted at QWEST
Field, M&T Bank Stadium, Lincoln Financial
Field, FedExField, Giants Stadium, Arrowhead
Stadium and Ford Field homes of the Seattle
Seahawks, Baltimore Ravens, Philadelphia
Eagles, Washington Redskins, New York Giants/New
York Jets, Kansas City Chiefs and Detroit
Lions respectively, and at Citizens Park,
home to the Major League Baseball Philadelphia
Phillies.
MasterCard is a member of ACT Canada; please
visit their web site at http://www.mastercard.ca.
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16. KIOSK INDUSTRY TO GROW BY 20 %
Source: Kioskcom.com (11/25) |
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The global kiosk industry is predicted to
see a 20 per cent annual growth to 2007 as
businesses and retailers shift routine service
to self-checkouts, photo-processing and bill
payment kiosks. Retail is the largest kiosk
sector, with 46 per cent of combined shipments
in North America and Europe and a 20.4 per
cent annual growth rate, according to research
firm Venture Development Corporation (VDC).
Hospitality will account for 18.2 per cent
of annual kiosk industry growth through 2007,
VDC predicts, with healthcare at 14.0 per
cent and government at 16.2 per cent.
Regarding new kiosk applications, self-service
ordering and payments at quick-serve restaurants
(QSRs) and in-store music downloads at retailers
are identified as the next major markets.
Major QSRs such as McDonalds', Burger King
and Subway are testing kiosk-based ordering
with a view to wider rollout during 2006,
which is fueling industry speculation about
future market growth. In a separate initiative,
Wal-Mart is said to be looking into letting
customers use kiosks to download movies onto
DVDs for purchase, similar to its pilots
of in-store music downloads of songs to CDs.
Elsewhere in the retail industry, Target
Corp and Best Buy are rumored to be assessing
the business case for using kiosks to download
movies onto DVDs in a similar move to Wal-Mart's.
Kiosk deployments in North America represent
an estimated USD 680 million market, VDC
notes, with over 265,000 units shipped a
year, or 50 to 55 per cent of the global
total. Europe represents a slightly different
market in that advanced payment options,
product innovation and functionality are
offered by a greater number of smaller players
who tend to customize for their clients'
needs.
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| 17. ADDITIONAL STORIES AVAILABLE IN ACT CANADA
MEMBERS ONLY SECTION |
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These additional stories are 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
NEED TO DEVELOP GLOBAL STANDARDS FOR SMART
CARD ID APPLICATIONS
In the wake of increasing security concerns,
the incorporation of secure identity management
systems is assuming top priority for enterprises
and governments worldwide…
NORWAY, SWEDEN LINE UP FOR RFID TRAIN
Ticketing on public transport in Norway and
Sweden is being revolutionized by the introduction
of a new payment system using RFID smart
cards...
A NUMBER OF STATE LEGISLATURES CONSIDER RFID-RELATED
ISSUES
California is not the only state considering
RFID-type legislation, but the other states
tend to hold the focus to RFID, rather than
adopting California's broad inclusion of
contactless smart cards or any wireless ID
token…
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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
VP
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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