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August 30, 2007 |
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Welcome to the August 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. Gemalto & NXP Join Forces To Boost
Mobile NFC Solutions Deployment Around The
Globe
3. The Role Of Loyalty In Choosing Credit
Or Debit Payments - Members Only Access
4. LaserCard Receives Subcontract
Extension
For Canadian Permanent
Resident Cards
5. Port Upgrades Security
With Smart Cards
For Workers
6. Co-Op To Survey Customers
With Chip-And-Pin
- Members Only Access
7. Giesecke & Devrient:
First Manufacturer
To Receive ZKA Certification
For Seccos 6.1
Smart Cards
8. Canada-Based Sunshine
Coast Credit Union
Selects Open Solutions'
Core And Complementary
Products
9. London Transit Operator Launches NFC Trial - Members Only Access
10. NYC Taxis Go Live With
Contactless Fares
11. Gemalto Simplifies
Strong Authentication
Solution Deployment
12. London Contactless
Payment Launch Will
Test European Business
Models - Members Only Access
13. LaserCard Announces
Expansion Of Middle
East Project
14. Travel Industry Said
Hit By Card-Not-Present
Fraud
15. Gemalto And FPT Information
System Partner
For The First EMV Deployment
In Vietnam
16. Japan Leads Asia-Pacific
In Visa-Branded
Smart Cards
17. Prepaid Cards' Success Lies In Solving
Consumer Problems - Members Only Access
ACT CANADA THANKS OUR NEW & RENEWING
MEMBERS:
PRINCIPAL:
Visa Canada Association ~ member since 1995
GENERAL:
ATB Financial ~ member since 2006
Citi Cards Canada ~ member
since 2006
HSBC ~ member since 2006
Ingenico ~ member since
1990
GOVERNMENT:
Royal Canadian Mint ~ member since 2005
SME:
ISATCOM ~ new member
UPCOMING EVENTS:
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
~ contact andrea(AT)actcda.com.
Meet with ACT Canada at this event - Catherine
Johnston will be speaking at this event
Loyalty World 2007
Sept. 25 - 28, 2007
London, United Kingdom
http://www.loyalty-world.com/2007/lw07/
Meet with ACT Canada at
this event
Smartcards in Transport
October 1 & 2, 2007
Paris, France
http://www.groupeactis.com/rubrique.php3?id_rubrique=48
ACT Canada members receive a delegate discount
~ contact andrea(AT)actcda.com.
Smart Card Alliance Annual Conference
October 8 - 11, 2007
Boston, MA, USA
http://www.smartcardalliance.org
Meet with ACT Canada at this event
Cartes & IT Security
November 13 - 15, 2007
Paris, France
http://www.cartes.com
Meet with ACT Canada at this event
Attention All Canadian
Organizations:
ACT Canada is working with The Canadian Embassy
in France to facilitate a networking event
at this year's Cartes conference. As such
we would like to know if your organization
is likely to attend. Please contact Andrea
McMullen at andrea(AT)actcda.com.
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1. EDITORIAL COMMENT
Source: Catherine Johnston, President &
CEO, ACT Canada (08/20) |
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It was the best of times; it was the worst
of times…
As Dickens said "It
was the best of
times, it was the
worst of times, it
was
the age of wisdom,
it was the age of
foolishness".
This is what I often
think of in relationship
to this industry.
Here are some recent
examples.
Cardware 07: to provide
a little background,
the conference takes
more than 180 man
days
to organize each
year. Considering
that we
have 2.5 people and
that our other work
doesn't
stop, it means that
working evenings
and
weekends is required
for weeks on end.
As
many of you know,
even broken bones
provide
no excuse for slowing
down during conference
season.
This year in Ottawa,
there was a moment
where
it was all worthwhile.
Hearing that the
Province
of Ontario was able
to move forward with
a state-of-the-art
project, based on
what
they had seen and
learned at Cardware
06,
justified the hard
work.
Then in Toronto,
there was more than
one
moment of extreme
foolishness. Here
is just
one. A person arrived
and told the staff
that he was only
for the exhibits
and so
would not be paying
to register, but
then
went into the conference.
Allowing that it
may have been a change
of heart, we invoiced
after the conference.
There has been no
response.
As I write this at
1 o'clock in the
morning,
trying to get through
my work for the day,
you can guess what
I'm thinking. The
question
is, "what was
this person thinking"?
This was no way to
treat our members
or us
and it was a very
shortsighted move
in a
small market where
memories run long.
Let me end with on
a positive note.
In this
market where financial
card issuers, retailers,
acquirers and governments
are moving forward,
many companies came
out to offer advice
and
pertinent information,
both as speakers
and
exhibitors. It won't
surprise me, if next
year, we hear that
projects moved forward
because of what people
saw and learned at
Cardware 07. I've
already seen positive
results
from meetings that
took place there.
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Loyalty World Europe is back for a fifth
year and, yet again, it brings you the speakers,
the information and the networking opportunities
to ensure that your loyalty strategy stays
ahead of the game and keeps your customers
coming back. Hear from the region's leaders
in the field of custromer retention, including:
Andrew Mann, Clubcard Director,
Tesco
Chris Sedgwick, Global
Retail Marketing Innovation
Director, BP
Kelly Odell, Senior Vice
President Corporate
Marketing, TeliaSonera
Mark Hall, Marketing Director,
Toyota UK
Norbert Schweimanns, Director
CRM and Business
Clients, Deutsche Bank
For more information visit www.loyalty-world.com/2007/lw07
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2. GEMALTO AND NXP JOIN FORCES TO BOOST MOBILE
NFC SOLUTIONS DEPLOYMENT AROUND THE GLOBE
Source: ICMA Daily News (08/24) |
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Gemalto and NXP announced their collaboration
on SIM-enabled Near Field Communication (NFC)
solutions based on the Single Wire Protocol
(SWP). Both companies will together define
and develop SIM products for SWP-based solutions
to ensure interoperability with MIFARE technology
as well as other widely deployed contactless
protocols. This agreement will enable the
industry to rapidly address the growing demand
for NFC-based applications among telecom
operators, service providers and consumers.
This initiative from NXP
and Gemalto aims
to facilitate the definition
of standardized
SIM-based NFC products.
It will also speed
up the availability of
SIM-based NFC phones
compliant with telecom
operators' requirements.
Following the successful
joint evaluation
and specification of MIFARE
compatibility
with SWP technology, NXP
is designing a new
SIM-enabled NFC chip and
SIM chip that support
the SWP protocol and provide
MIFARE capability.
Gemalto is developing a
SIM card and trusted
service management offering
for banks, transport
companies and telecom operators
to manage
the provisioning and the
personalization
of mobile contactless applications.
Gemalto and NXP Semiconductors are members
of ACT Canada; please visit http://www.gemalto.com & http://www.nxp.com.
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3. THE ROLE OF LOYALTY IN CHOOSING CREDIT
OR DEBIT PAYMENTS
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Available in the ACT Canada Members Only
section of our web site. Click on the link
below to access this section
http://www.actcda.com/members-only/news.htm
If you are a member
of ACT Canada but
do
not have your login
details please contact
me - andrea(AT)actcda.com.
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4. LASERCARD RECEIVES SUBCONTRACT EXTENSION
FOR CANADIAN PERMANENT RESIDENT CARDS
Source: LaserCard (08/08) |
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LaserCard Corporation announced receipt of
a 12-month extension to a five-year subcontract
from General Dynamics Information Technology
(Fairfax, Va.) for the manufacture and supply
of optical memory-based Permanent Resident
Cards for the government of Canada. The contract
extension was accompanied by a purchase order
for $2 million in cards to be delivered over
the next 12 months.
The Canadian Permanent
Resident Card was
the first optical
memory card to comply
with
standards published
by the International
Civil Aviation Organization
(ICAO) for travel
cards and the card
received industry
accolades
for its outstanding
graphic design and
unequalled
security.
"We are proud
to continue supporting
this high profile
secure ID card program,"
said Richard Haddock,
President and CEO,
of LaserCard. "We
have supplied more
than 30 million secure
optical cards to
the
governments of the
United States and
Canada.
The two countries'
installed base of
cards
and their more than
1,100 interoperable
optical
memory card border
inspection systems
represent
the largest advanced
technology, secure
ID
card program in North
America.
LaserCard is a member
of ACT Canada; please
visit http://www.lasercard.com.
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5. PORT UPGRADES SECURITY WITH SMART CARDS
FOR WORKERS
Source: Nova Scotia Chronicle Herald (08/18) |
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The Halifax Port Authority has signed a contract
with Unisys Corp. to use vascular technology
to identify port workers as part of its security
program.
Unisys Canada Inc
will develop and
manage
a biometric credentialing
and access control
database for about
4,000 port workers.
Transport
Canada and the port
will fund the project,
scheduled for completion
Nov. 30.
The port authority
commissioned the
system
to comply with the
Marine Transportation
Security Act.
Unisys will integrate
vascular scanning
technology
to identify port
workers as part of
the program.
An infrared scan
of the back of the
cardholder's
hand will be embedded
in a smart card,
which
also will include
the holder's photo.
The
vascular image, which
is recognized by
a
non-invasive infrared
sensor, will be used
to identify the cardholder
when he or she
presents the card
and places the back
of
his or her hand in
the scanner.
Verification is instantaneous
and is achieved
when the blood flow
pattern of the holder's
hand matches the
pattern of the scan
stored
on the card. The
biometric is stored
only
on the card, not
in the database,
eliminating
the possibility of
the file being stolen
or corrupted.
The system also controls
exits from port
facilities. Workers
must use the card
and
verify their identity
when they leave an
area into which the
card granted them
access.
In an emergency,
authorized individuals
can
override this requirement
so as not to impede
evacuation processes.
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| 6. CO-OP TO SURVEY CUSTOMERS WITH CHIP-AND-PIN
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Available in the ACT Canada Members Only
section of our web site. Click on the link
below to access this section
http://www.actcda.com/members-only/news.htm
If you are a member
of ACT Canada but
do
not have your login
details please contact
me - andrea(AT)actcda.com.
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7. GIESECKE & DEVRIENT: FIRST MANUFACTURER
TO RECEIVE ZKA CERTIFICATION FOR SECCOS 6.1
SMART CARDS
Source: ICMA Daily News (08/20) |
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In mid-July, the Zentraler Kreditausschuss
(ZKA), the central organization that represents
Germany's main banking associations, has
awarded an official certification for SECCOS
6.1 smart cards to the first smart card manufacturer:
Giesecke & Devrient (G&D). German
financial institutions are now free to launch
pilot projects using the new G&D cards
in the third quarter of 2007. And by the
end of the year, bank customers should receive
the first batch of cards produced by the
world's second largest provider of smart
card solutions. The introduction of the SECCOS
6.1 specification means the card is no longer
restricted to the German banking sector.
Instead, the new cards will conform to the
SEPA Cards Framework (SCF) and so can be
used in all countries in the Single Euro
Payments Area.
SECCOS 6.1,
being a SEPA-compliant
operating
system, expands
the current
national ec-cash
debit system
to ensure compliance
with the
international
EMV standard.
In addition,
it supports
the implementation
of MasterCard
and Visa credit
card applications.
The multi-application
cards come
packed with
other applications,
including GeldKarte
and an optional
digital
signature function
that already
meets future
legal requirements
for key length
and other
security mechanisms.
SECCOS 6.1
also supports
co-branding
for both Maestro
and V Pay, the
international
debit card
functions of MasterCard
and Visa. That
gives banks
greater opportunities
to expand and
enhance their
card offerings.
Giesecke & Devrient is a member of ACT
Canada; please visit http://www.gi-de.com.
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8. CANADA-BASED SUNSHINE COAST CREDIT UNION
SELECTS OPEN SOLUTIONS' CORE AND COMPLEMENTARY
PRODUCTS
Source: Open Solutions (08/09) |
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Sunshine Coast Credit Union, located in British
Columbia, Canada, has selected Open Solutions
Inc.'s The Complete Credit Union Solution
as its core banking system. The credit union
will complement the core solution with Open
Solutions' Financial Accounting Suite and
cView knowledge centre modules MyVision and
ReportWizard. A long-time Open Solutions
Canada client, Sunshine Coast Credit Union
will continue to run its data processing
through the company's Vancouver-based data
centre.
Sunshine Coast Credit Union is a full-service
financial institution that has assets exceeding
$295 million CAD and serves more than 14,000
members through branches located in three
communities on British Columbia's "Sunshine
Coast," located just north of Vancouver.
Built on a single, centralized Oracle database,
The Complete Credit Union Solution's open
architecture and member-centric platform
are designed to help credit unions streamline
both front- and back-office applications
with a focus on improving member service.
Open Solutions' powerful financial accounting
suite is an industry-leading product used
by financial institutions of all sizes throughout
North America to address their accounting
needs. The MyVision and ReportWizard applications
are tools to help credit unions focus their
marketing efforts by better understanding
their members' needs.
Open Solutions is a member of ACT Canada;
please visit http://www.opensolutions.com.
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| 9. LONDON TRANSIT OPERATOR LAUNCHES NFC TRIAL
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Available in the ACT Canada Members Only
section of our web site. Click on the link
below to access this section
http://www.actcda.com/members-only/news.htm
If you are a member of ACT Canada but do
not have your login details please contact
me - andrea(AT)actcda.com.
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10. NYC TAXIS GO LIVE WITH CONTACTLESS FARES
Source: Business Wire (08/21) |
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A number of NYC taxis began accepting PayPass
in June 2007, and more than 5,000 NYC taxis
are expected to take contactless cards by
the end of this year, MasterCard and VeriFone
say.
In November 2006, taxis in Philadelphia became
the first taxis in the U.S. to accept contactless
payments. Currently, 1,600 Philadelphia taxis
are equipped with systems implemented by
VeriFone's U.S.-based taxi business, VeriFone
Transportation Systems. These Philadelphia
taxis accept PayPass, MasterCard says.
MasterCard and VeriFone are also involved
in a contactless pilot in Las Vegas taxis
which is scheduled to be completed later
this year.
MasterCard Canada is a member of ACT Canada;
please visit http://www.mastercard.ca.
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11. GEMALTO SIMPLIFIES STRONG AUTHENTICATION
SOLUTION DEPLOYMENT
Source: ICMA Daily News (08/07) |
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Gemalto announced Live Provisioning, a feature
within the Protiva strong authentication
solution that enables enterprise security
managers quickly and easily deploy new strong
authentication devices or re-use existing
ones. This comprehensive solution provides
enterprises with a safe and simple way to
secure remote access to networks, applications
and documents.
"Information security managers can now
set up strong authentication tokens themselves,
making contactless live provisioning an industry
first," said Cedric Collomb, senior
vice president, identity and access management,
Gemalto. "We continue to add capabilities
to our solution that give our enterprise
clients and channel partners more flexibility
and control so they can respond faster to
end-user security needs."
Live Provisioning, offered with the Customer
Care Portal, is a new Web-based capability
to automatically create all of the information
needed to set up and use a strong authentication
device with the Protiva Strong Authentication
Server. The system includes a Gemalto contactless
reader used to securely communicate with
the smart card-based strong authentication
device. Live Provisioning also generates
the device ID, creates the device record,
adds it to the data server and then transfers
the information to the device, updating the
backend user database. With these tools,
security administrators can now manage the
entire lifecycle of a digital security device
more conveniently and productively.
Gemalto is a member of ACT Canada; please
visit http://www.gemalto.com.
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| 12. LONDON CONTACTLESS PAYMENT LAUNCH WILL TEST
EUROPEAN BUSINESS MODELS |
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Available in the ACT Canada Members Only
section of our web site. Click on the link
below to access this section
http://www.actcda.com/members-only/news.htm
If you are a member of ACT Canada but do
not have your login details please contact
me - andrea(AT)actcda.com.
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13. LASERCARD ANNOUNCES EXPANSION OF MIDDLE EAST
PROJECT
Source: ICMA Daily News (08/13) |
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LaserCard Corporation announced the expansion
of the national ID card program for a Middle
Eastern government.
A new centralized high-volume card issuance
system which will personalize the smart chip,
the optical memory and the eye-readable data
of this state-of-the-art national ID card
is being implemented by the prime contractor.
LaserCard has received the $2.3 million purchase
order for the supply of chip-ready optical
memory cards, which include high resolution
security printing and custom security features.
Deliveries are scheduled to begin by September
and continue through November 2007.
LaserCard has previously received orders
totaling over $10 million in optical smart
cards, personalization systems and services
under a previously announced subcontract
for the initial phase of this project, which
saw the implementation of a number of distributed
card issuance sites. The augmentation of
this distributed infrastructure by the new
centralized facility will greatly enhance
the card issuing capacity of this important
national ID program.
LaserCard is a member of ACT Canada; please
visit http://www.lasercard.com.
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14. TRAVEL INDUSTRY SAID HIT BY CARD-NOT-PRESENT
FRAUD
Source: ePaynews.com (08/07) |
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The travel industry is being hit by a wave
of cardholder-not-present (CNP) fraud, warns
UK-based fraud prevention firm Retail Decisions.
Fraudsters are using stolen card numbers
to book tickets either online or on the phone
at the last minute to get round airline fraud
detection systems, ReD says.
The International Association of Airline
Internal Auditors estimates that in 2006
payment card fraud cost the airline industry
US$100 million. But this figure may be less
than the true cost of card fraud, particularly
given the cost of processing chargebacks
for fraudulent transactions.
"Many travel companies include their
CNP transactions with their card-present
transactions, when they present reports to
their acquirers," Carl Clump, ReD's
CEO, tells ePaynews. "By merging their
CNP and card-present transaction data, this
enables travel companies to stay under the
radar and avoid being fined for excessive
chargebacks," Clump says. Merchants
who have excessive amounts of card fraud
are fined by the card associations.
Based on the fraud prevention work it does
for travel companies, ReD has discovered
that fraudulent ticket purchases are usually
for third-parties. "A fraudster will
use a stolen card number to book tickets
for an associate," Clump says. "The
reason is probably because this person is
being asked to carry something illegal on
behalf of the fraudster."
The person traveling on a stolen ticket will
likely carry legitimate identity documents,
says Clump.
A popular destination for fraudulent ticket
purchasers is Pearson Airport in Toronto,
Canada. "Our guess is that this is because
Toronto is close to the U.S., and has weaker
airport security than U.S. airports,"
Clump says. "Smugglers can then cross
over the land border into the U.S."
Fraudsters have started creating bogus travel
companies that sell tickets to legitimate
cardholders. "People are always looking
for bargain flights, and the fraudsters can
take advantage of this," Clump says.
"We've seen fraudulent travel companies
set up Websites, sell bogus tickets to cardholders,
then shut down. The fraudsters have not only
stolen money from cardholders, they also
retain their card numbers."
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15. GEMALTO AND FPT INFORMATION SYSTEM PARTNER
FOR THE FIRST EMV DEPLOYMENT IN VIETNAM
Source: Gemalto (08/30) |
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Gemalto and Vietnam's largest system integrator
FPT Information System (FPT-IS) have partnered
for the first EMV deployment in Vietnam with
Vietnam Joint-Stock Commercial Bank for Private
Enterprises (VPBank). This collaboration
meant that VPBank got their first EMV microprocessor
cards issued within 2 months of the commissioning.
Together, Gemalto and FPT-IS provide end-to-end
services by developing a personalization
solution tailored for VPBank's needs, set
up 24/7 support, provided consultation and
training and deliver EMV microprocessor cards.
The partnership between Gemalto and FPT-IS
ensured that there was a solid teamwork to
cover all aspects of the deployment, which
is critical for such fast turn-around times.
Gemalto is a member of ACT Canada; please
visit http://www.gemalto.com.
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16. JAPAN LEADS ASIA-PACIFIC IN VISA-BRANDED
SMART CARDS
Source: CardTechnology (08/08) |
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Japanese banks and credit card companies
had issued nearly 38 million Visa-branded
smart cards that carried payment applications
complying with the EMV standard as of the
end of March, Visa International's Asia-Pacific
branch announced yesterday.
That makes Japan the country with the largest
number of EMV cards on issue in the region
and represented about 40% of Visa's card
base in Japan. Across the region, about 20%
of Visa cards had been converted from magnetic
stripe to more fraud-resistant EMV by the
end of the first quarter, Visa Asia-Pacific
said.
About 400,000 point-of-sale terminals had
been converted in Japan to accept EMV. Terminal
migration has always lagged behind card issuance
in Japan's EMV rollout. About 1.8 million
POS terminals had been upgraded to accept
EMV as of the end of March in the Asia-Pacific
region, Visa said. Visa didn't release figures
on the percentage of terminals accepting
EMV in Japan or throughout the region. But
it said about 80% of terminals in Singapore
and Hong Kong accept EMV, and Malaysia has
completed its card and terminal EMV rollout.
Hong Kong had the fastest smart card growth
for Visa in the region, outside of Cambodia,
for the first three months of 2007. In Hong
Kong, more than 1.3 million cards were on
issue at the end of March, a 29% increase
from the previous quarter. South Korean issuers
had distributed more than 9 million EMV cards
by the end of the first quarter, up 16% from
the end of last year, Visa said in the release.
Australian issuers had rolled out more than
1.6 million Visa-branded smart cards, up
12% from the previous quarter.
Visa Canada Association is a member of ACT
Canada; please visit http://www.visa.ca.
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| 17. PREPAID CARDS' SUCCESS LIES IN SOLVING CONSUMER
PROBLEMS |
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Available in the ACT Canada Members Only
section of our web site. Click on the link
below to access this section
http://www.actcda.com/members-only/news.htm
If you are a member of ACT Canada but do
not have your login details please contact
me - andrea(AT)actcda.com.
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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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