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May 30, 2007 |
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Welcome to the May 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. Canadian Tire Participates In Industry
Chip Card Pilot
3. Visa Introduces Visa payWave In Canada
4. MBNA Canada Bank To
Acquire CUETS
5. Gemalto First To Receive
MasterCard And
Visa CAP 2007 Certification
For Its Two-Factor
Authentication Device
6. Fully Automated Test
Tool Launched By
ICC Solutions For Device/ABM
Testing
7. Partnership Agreement
Between China Unionpay
(CUP) And Ingenico
8. Infineon Chips Ensure
22 Million Daily
Contactless Transactions
Run Smoothly For
Seoul's Public Transportation
System
9. StepNexus And Dynamic
Card Solutions Team
To Provide Banks With Instant
Branch Issuance
Solution
10. Citibank Unit Issues
Smart Cards In Mexico
11. Barclaycard Plans Visa,
Transport Combo
Contactless Card
12. PCI Council Solicits
PCI DSS Input
13. LifeNexus Selects Gemalto
For North America's
First Healthcare Payment
Card
14. Additional Stories Available In Members
Only Section
ACT CANADA THANKS OUR NEW & RENEWING
MEMBERS:
GENERAL:
Infineon Technologies ~ member since 1998
Interac Association ~ member
since 1995
UPCOMING EVENTS:
ACT Canada presents Cardware
07
Government Focus Event
- June 21st in Ottawa,
ON, Canada
Financial Focus Event -
June 25th in Toronto,
ON, Canada
http://www.actcda.com/calendar/symposium.htm
World eID
Sept.19 - 21, 2007
Sophia Antipolis, French
Riviera
http://www.strategiestm.com/events/se/index.htm
ACT Canada members receive 25% delegate discount
(including early-bird & renewal rates).
Contact andrea(AT)actcda.com for more details.
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1. EDITORIAL COMMENT
Source: Catherine Johnston, President &
CEO, ACT Canada (05/29) |
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Risky Business
Every decision involves
risks; managing those
risks is a core component
of success.
Ironically, the Internet
can add to our daily
risks by providing
too much information,
conflicting information
and much of it out
of context but that
risk can be managed.
Context helps you
decide what is best
for
your customers in
your market and what
is
best for the Canadian
public. For many
financial
institutions the
time has come to
decide
what the future of
their EMV offerings.
Governments
are deciding what
cross border ID and
drivers'
licences will evolve.
Both will seek out
information and ask
questions.
Best practices will
be studied and experts
consulted. Then all
the information will
be analysed and plans
made.
In this process,
insight is a very
valuable
asset. It is insight
that can reduce costs,
protect corporate
and political reputations
and increase profits.
I hope you will join
us for a day of insights
at Cardware 07.
On June 21st, we
will present a panel
of
international speakers
who have dealt with
the challenges of
identity management
and
credentialing. This
meeting is in Ottawa.
On June 25th we move
to Toronto, where
the
main panel focuses
on EMV for issuers,
acquirers
and merchants. There
are two additional
focus
workshops; one designed
for merchants and
one that deals with
specific EMV issues.
The greatest value
of Cardware events
is
that you have access
to information, insights,
experts who can answer
your specific questions,
peers to meet with
and all this is in
one
place on one day.
Cardware: proving
insights to help
you manage
risks.
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2. CANADIAN TIRE PARTICIPATES IN INDUSTRY
CHIP CARD PILOT
Source: Canadian Newswire (05/23) |
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Canadian Tire announced that it will participate
in an industry-wide pilot program to test
market-readiness for the introduction of
chip cards in Canada by 2010.
The pilot will be launched
in March of 2008
at the five Canadian Tire
stores in the Kitchener-Waterloo
area, leading the way for
all 468 Canadian
Tire stores across Canada
to accept chip
cards later in the year.
Canadian Tire will
be one of the first and
largest retailers
to participate in the pilot.
The pilot will
test the cards, as well
as the chip-reading
terminals ("readers")
and the network
required for processing
chip card transactions.
"Chip card technology
is really the
next wave in providing
our customers with
enhanced payment security
when they shop
at Canadian Tire,"
said Marco Marrone,
President, Canadian Tire
Financial Services.
"While we continue
to invest in the
integrity of the current
system, we're setting
up software, point-of-sale
systems and retail
processes that will test
and deliver this
innovative new service
to Canadians."
Canadian Tire Bank will
also be participating
in the pilot by issuing
chip cards to its
Options MasterCard cardholders
in the Kitchener-Waterloo
area in time for the start
of the March 2008
pilot. Canadian Tire Options
MasterCards
will continue to carry
magnetic stripes in
order to be compatible
with non-chip payment
sites and locations.
Canadian Tire Bank and MasterCard are members
of ACT Canada; please visit http://www.ctfs.com & http://www.mastercard.ca.
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3. VISA INTRODUCES VISA PAYWAVE IN CANADA
Source: Visa Canada (05/02) |
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Visa Canada Association announced the availability
of its contactless technology, Visa payWave,
in the Canadian market. Visa payWave-enabled
products will deliver speed and convenience
to participating merchants and Visa cardholders
while offering the security benefits inherent
in EMV chip technology.
"Visa Members
in the U.S. and Asia-Pacific
have successfully
deployed contactless
technology
starting in 2005,"
said Michael Bradley,
Vice President, Products
at Visa Canada.
"In Canada,
Visa payWave will
leverage
our Members' investment
in chip security,
and offer customers
a fast and convenient
way to pay."
For merchants, Visa
payWave will offer
benefits
including faster
transaction times,
increased
ticket size, card
usage, and customer
loyalty.
"Visa's global
experience has shown
that both retailers
and consumers support
contactless programs
because they allow
payments
to be transacted
faster and are more
convenient
than cash for smaller
ticket items,"
continued Bradley.
Visa payWave builds
on the success of
Visa's
"No Signature
Required" (NSR)
program
as it offers merchants
in traditionally
cash-heavy,
smaller ticket businesses
with a payment
option that can decrease
check-out times.
Currently, the NSR
program does not
require
a cardholder signature
for purchases of
$25
or less at certain
merchant locations.
Visa
payWave-enabled products
will offer quicker
transaction times
and leverage the
security
of chip card technology.
The introduction
of Visa payWave in
Canada
follows the January
2007 Visa mobile
platform
announcement that
paves the way for
deployment
of mobile payments
and services. It
is also
closely aligned with
the Visa migration
to
chip card technology,
as Visa payWave was
developed using a
standard for global
interoperability
and fraud prevention.
Visa employs technology
both on the card
itself as well as
on Visa's
processing network
to help prevent fraud.
Visa payWave in Canada
is based on EMV chip
technology, which
can securely store
and
encrypt confidential
information. An EMV
chip is virtually
impossible to copy
and
uses a standard 128-bit
encryption technology
to generate a cryptogram
that uniquely identifies
each transaction.
No two cards share
the
same key, and the
key is not transmitted.
"Because Visa
uses encrypted data,
even
if a fraudster attempts
to 'read' the information
from a Visa payWave-enabled
transaction,
the information would
be useless,"
added
Bradley.
Visa Canada is a member of ACT Canada; please
visit http://www.visa.ca.
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4. MBNA CANADA BANK TO ACQUIRE CUETS
Source: CUETS (05/30) |
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MBNA Canada Bank and CUETS announced an agreement
for MBNA to acquire CUETS, the largest MasterCard
credit card issuer for credit unions in Canada.
Under the terms of the agreement, CUETS will
become a subsidiary of MBNA Canada Bank,
leveraging superior capabilities of both
companies to increase customer value and
grow market share in Canada.
CUETS is currently
jointly owned by
Credit
Union Central of
Saskatchewan (SaskCentral)
and Credit Union
Central Alberta Ltd.
The
agreement is subject
to regulatory approvals.
The new MBNA Canada
subsidiary housing
the
CUETS business will
be led by Stan Kuss,
currently chief executive
officer of CUETS.
CUETS' workforce,
which is primarily
based
out of a head office
in Regina and a service
centre in Winnipeg,
will be combined
with
the current MBNA
workforce of more
than 1,725
associates who work
out of MBNA's head
office
in Ottawa.
CUETS board chair
and CEO of SaskCentral,
Sid Bildfell, noted
that CUETS will stay
committed to the
communities in which
it
operates. "Our
sale arrangement
with
MBNA includes a continued
presence for CUETS
and employment of
CUETS employees in
our
home cities of Regina
and Winnipeg."
CUETS & MasterCard Canada are members
of ACT Canada; please visit http://www.cuets.ca & http://www.mastercard.ca.
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5. GEMALTO FIRST TO RECEIVE MASTERCARD AND
VISA CAP 2007 CERTIFICATION FOR ITS TWO-FACTOR
AUTHENTICATION DEVICE
Source: ICMA Daily News (05/10) |
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Gemalto announces it is the first company
to achieve the MasterCard and Visa Chip Authentication
Program (CAP) 2007 certification of its Pocket
reader, designed to secure authentication
of cardholders for remote banking and e-commerce.
In addition, the Gemalto product is compliant
with APACS (the UK payment association) specifications.
With this convenient device, banking customers
use their payment card and their Personal
Identification Number (PIN) code to securely
access online services, just as easily as
they do at point-of-sale terminals. It has
already been selected by major banks across
Europe and close to one million units will
be shipped this year.
Pocket reader is
extremely convenient
as
it is independent
from the PC configuration,
giving users the
freedom to perform
online
transactions wherever
they are, at home
or
in an Internet café.
Having inserted their
banking card into
the reader, users
are prompted
to enter their PIN
code. Then the device
formats and displays
a unique and non-reusable
numeric password
computed by the card,
allowing
two-factor authentication
of its owner.
Gemalto is a member
of ACT Canada and
a Cardware
07 exhibitor; please
visit http://www.gemalto.com.
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6. FULLY AUTOMATED TEST TOOL LAUNCHED BY
ICC SOLUTIONS FOR DEVICE/ABM TESTING
Source: ICC Solutions (05/25) |
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ICC Solutions is delighted to announce the
imminent availability of ICCSimTM: Test Manager
being a fully Automated Test Environment.
This is great news for all our valued Canadian
customers where ICCSimTM: Test Manager will
be provided as an 'upgrade' at no cost to
all existing ICCSimTT and ICCSimDE license
holders with a valid Support & Maintenance
Contract in place.
Based on feedback
from selected EMVCo
Level
2 laboratories having
had prior access
to
the tool, ICC Solutions
is confident that
ICCSimTM is now the
most efficient, comprehensive
and stable Level
2 certification test
tool
available on the
market which will
substantially
reduce test times
and resource levels
required
during test campaigns.
Interac Association
and contactless device
certification testing
will also be supported
by ICCSimTM:Test
Manager.
In other news, ICC
Solutions recently
returned
from a very successful
exhibition in Mexico
City in conjunction
with Global Platform
and the Smart Card
Alliance. The "Smart
Cards for Government
and Payment"
conference
was held in Mexico
City on 8th and 9th
of
May 2007. Many delegates
from throughout
North America visited
the ICC Solutions'
booth to see demonstrations
of the Global
Platform Compliance
Kit where ICC Solutions
is the sole certified
global provider.
There
was also considerable
interest in contactless
testing coinciding
with the rollout
of many
implementations worldwide
where ICC Solutions
is able to offer
certification test
script
packages for both
cards and terminals.
ICC Solutions is a member of ACT Canada and
a Cardware 07 exhibitor; please visit http://www.iccsolutions.com.
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Cardware 07 Program
Designed for the Canadian
Market
EMV stakeholders
are looking for a
significant
amount of information,
according to our
recent
survey, and governments
are focussed on credentialing
information. To meet
these needs, Cardware
07 will have a full
track and 2 workshops
in Toronto on June
25th. A full day
is devoted
to information that
will help stakeholders
attain profits, minimize
costs and hear from
other stakeholders.
The first workshop
focuses
on specific issues
that need to be addressed
to roll out EMV and
the second provides
information
for everyone who
is in the early stages
of
EMV, including staff
from retailers, issuers,
acquirers and others.
One June 21st, the government Cardware will
address the practical issues of identity
credentialing for both employees and citizens.
For more information on registration, exhibiting
or sponsoring, please contact ACT Canada.
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7. PARTNERSHIP AGREEMENT BETWEEN CHINA UNIONPAY
(CUP) AND INGENICO
Source: Ingenico (05/30) |
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Ingenico, and China Unionpay (CUP), China's
sole nationwide payment network operator,
signed a partnership agreement on May 11th
at Ingenico's head office in Neuilly-sur-Seine.
The agreement
makes Ingenico
the official
supplier of
electronic
payment terminals
(EPTs) to China
Unionpay, an
organization
that accounts
for nearly
50% of all payment
terminal purchases
in China. Ingenico
has
pledged to
promote business
growth and acceptance
for CUP cards
in Europe on
its standalone
terminals.
As a structure
with 175 member
institutions,
China Unionpay
handles interbank
transactions
and cash withdrawals
effected with
CUP payment
cards in China
and abroad.
Ingenico is
a member of
ACT Canada and a
Cardware 07
exhibitor;
please visit http://www.ingenico-ca.com.
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8. INFINEON CHIPS ENSURE 22 MILLION DAILY
CONTACTLESS TRANSACTIONS RUN SMOOTHLY FOR
SEOUL'S PUBLIC TRANSPORTATION SYSTEM
Source: Infineon (05/23) |
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Infineon Technologies announced that it has
been supplying semiconductors to the T-money
(Transportation money) project in the greater
Seoul area of Korea. This is one of the largest
projects worldwide for contactless applications
in public transportation systems. Since the
system launched in July 2004, the electronic
tickets for the public transport network
in the greater Seoul area have used Infineon
semiconductors. Infineon's security controllers
ensure that travelers pay the right fare
for bus, subway or taxi routes in the Korean
capital, which account for nearly 22 million
transactions a day. The security controllers
can also be used for vending machines or
coffee shops. Infineon has delivered ten
million security controllers to Infotrust
Inc. Korea. The system integrator is the
partner of Korea Smart Card Co. (KSCC), the
public transport operator in Seoul. Infotrust
expects to deliver 14 million security chips
by the end of 2008 based on the increasing
commuter traffic and expansion of transport
networks.
Infineon is a member of ACT Canada; please
visit http://www.infineon.com.
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9. STEPNEXUS AND DYNAMIC CARD SOLUTIONS TEAM
TO PROVIDE BANKS WITH INSTANT BRANCH ISSUANCE
SOLUTION
Source: StepNexus (05/13) |
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StepNexus and Dynamic Card Solutions announced
an innovative solution for instantly issuing
branded EMV debit and credit cards at the
branch level, significantly reducing initial
costs and deployment times. CardWizard instant
issuance software by Dynamic Card Solutions
can now leverage StepNexus EMV Data Preparation
Services to instantly issue MULTOS™ chip
cards. StepNexus Data Preparation Services
eliminates the need for data preparation
infrastructure investments. Instead of large
up front deployment costs, small setup and
annual maintenance fees are assessed along
with a click charge per application personalized
on each chip.
StepNexus is a member of ACT Canada and Dynamic
Card Solutions is a Cardware 07 exhibitor;
please visit http://www.stepnexus.com & http://www.globalinstantissue.com.
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10. CITIBANK UNIT ISSUES SMART CARDS IN MEXICO
Source: CardTechnology (05/22) |
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Banamex, the Mexican unit of Citigroup, is
planning to add smart card chips to all of
its payment cards, according to Australia-based
Keycorp, which will supply software for the
cards. The cards will support the international
EMV standard for credit and debit cards and
at least some of them will run the Multos
operating system, Card Technology's sister
publication CardLine reported. These will
not be the first chip cards issued by Banamex,
but they will be the first running Multos,
which offers a secure system for downloading
applications or other data to cards in the
field. Keycorp is a supplier of Multos software.
The bank also said it has launched a test
of contactless payment cards using a dual-interface
Multos card. In March, point-of-sale terminal
maker VeriFone said it was supplying contactless
readers for a Banamex contactless pilot in
Monterrey, Mexico.
Citi Cards Canada and Keycorp are members
of ACT Canada; please visit http://www.citicards.ca & http://www.keycorp.net.
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11. LIFENEXUS SELECTS GEMALTO FOR NORTH AMERICA'S
FIRST HEALTHCARE PAYMENT CARD
Source: Gemalto (05/16) |
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Gemalto has been chosen by LifeNexus, Inc.
as the exclusive supplier of technology and
professional services for North America's
first healthcare payment card. LifeNexus
will issue the Personal Health Card directly
to consumers, working with employers and
other sponsoring organizations. This groundbreaking
initiative makes access to personal health
information and payment for health related
services secure, fast and convenient.
The new program is based on the patented
LifeNexus Personal Health Card equipped with
Gemalto's .NET technology to enable secure
storage of health and financial information.
Consumers will use the LifeNexus card to
keep track of their personal health information,
give it to healthcare providers when needed,
and then pay for services - all with the
same card. For example, individuals can store
information such as allergies, immunizations,
medications, lab results and recent trips
to other providers right on the LifeNexus
Personal Health Card.
Gemalto's digital security solution also
protects the privacy and security of the
cardholder. In fact, the Personal Health
Card meets privacy and security requirements
set forth by the Health Insurance Portability
and Accountability Act of 1996 (HIPAA), because
the information is encrypted and accessed
only with the patient's PIN.
LifeNexus, Inc. is a rapid growth company
led by a team of executives experienced in
all facets of the healthcare industry. The
company is dedicated to creating superior
value for the consumer by linking personal,
financial and medical information on a single
credential.
"Through working with Gemalto, we are
able to provide what healthcare providers
have been asking for - a portable, personal
health record and payment process that is
secure and efficient," said Bob Flury,
president and COO for LifeNexus, Inc. "Our
decision to put our trust in Gemalto for
this project is based on their ability to
innovate in secure technology, and expertise
across financial and healthcare sectors."
In addition to the LifeNexus healthcare payment
card project, Gemalto is participating in
successful healthcare initiatives worldwide
in Algeria, Belgium, China, Finland, France,
Germany, Mexico, Puerto Rico, United Kingdom
and Slovenia.
Gemalto is a member of ACT Canada and a Cardware
07 exhibitor; please visit http://www.gemalto.com.
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12. PCI COUNCIL SOLICITS PCI DSS INPUT
Source: PR Newswire (05/11)
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The PCI Security Standards Council, the independent
body which manages the Payment Card Industry
Data Security Standard, has set up formal
channels for stakeholders to contribute to
the development of data security standards.
The Council has sent documents to participating
organizations requesting feedback on the
requirements of the current PCI DSS standard.
It is also seeking feedback on the Self Assessment
Questionnaire which payments firms and merchants
have to fill in as part of the process of
becoming PCI DSS-compliant. It says the feedback
documents must be returned by late June.
The Council says it will use the comments
it receives from stakeholders on the changing
landscape of security threats, technology
advances and security implementation realities
to shape the next generation of data security
standards. It also plans to present an overview
of the findings from the feedback process
at a meeting to be held in Toronto, Canada
on September 17 to 19.
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13. BARCLAYCARD PLANS VISA, TRANSPORT COMBO
CONTACTLESS CARD
Source: ePaynews.com (05/04) |
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Barclaycard is to launch a combined transit
card and Visa payWave contactless credit
card this September. The UK issuer says it
has completed technical trials and is working
with retailers to ensure POS terminals are
ready for the launch of the UK's first contactless
credit card.
The multi-application card will double up
as a conventional Visa card that can be used
for either contactless or chip-and-PIN transactions
and as a Transport for London (TFL) Oyster
card.
Oyster is a contactless, prepaid transit
card that is used on London's public transport
network. Currently, 10 million Oyster cards
are in issue, says TFL spokesperson Graham
Goodwin.
"We are keen to get further market penetration
for the Oyster card, and teaming up with
Barclaycard will help us do this," Goodwin
says. "Issuing a combination card also
means that users will retain their Oyster
card and renew their season tickets on the
same (credit) card."
In December 2006, Barclaycard won a three-year
exclusive deal with TranSys, the consortium
which runs Oyster in partnership with TFL,
to combine the Oyster card and Barclaycard
on one piece of plastic. John Stout, TranSys's
CEO, says that the deal came about because
Barclaycard came up with an idea that would
dovetail with the Oyster card's existing
functionality without disrupting TFL's existing
transit system.
"Barclaycard and Visa have invested
a substantial sum to ensure that their payment
software and the Oyster card software can
co-exist on the same chip," Goodwin
says. "TranSys considered it was fair
to grant a period of exclusivity to Barclaycard
to reflect that investment, and TFL agreed
with the deal."
Visa Canada is a member of ACT Canada; please
visit http://www.visa.ca.
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| 14. 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
PAYING BY MOBILE, THAT'LL DO NICELY
You know the scenario. Fumbling through your
pockets at the supermarket checkout, you
realise you've left your wallet at home and
all you have by way of payment are a few
coppers and an old bus ticket..
UK'S CITY OF CAMBRIDGE LAUNCHES RESIDENT
LOYALTY CARD
In the United Kingdom, the city of Cambridge
is to get its own electronic loyalty card
for cooperative use by local shops, restaurants
and leisure facilities, thanks to an initiative
launched by the Cambridge City Council in
conjunction with the Local Secrets online
leisure guide....
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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, Operations
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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