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March 31, 2008 |
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Welcome to the March 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. Profiting from Mobile Payments in Canada
3. ACI Worldwide Advances
Product Strategy
For Retail Payments
4. Chip And PIN Reduces UK Fraud, But Overseas
Fraud Increases - Members Only Access
5. CIBC Launches New Chip
Card Technology
6. Gemalto Rolls Out Electronic
Social Security
Program Nationwide In Algeria
7. National Bank Of Canada
To Offer The PayPass
8. INSIDE Wins Visa Certification
For Micropass
Payment Platform
9. New Report Predicts
25 Million Will Pay
By Mobile Phone In 2011
- Members Only Access
10. Infineon Sets Yet Another
New Trend:
Lowest-Cost Mobile Phone
Platform For Internet-Based
Telephony
11. CPI First To Receive
MasterCard PayPass
Approval For Cards Using
INSIDE Micropass
4003
12. Biometric Financial
Accounts Coming To
India - Members Only Access
13. Cetecom And Integri
Link Up And Launch
New Test Solution For German
Payment Market
14. Gemalto Electronic
Health Cards Successfully
Tested By German Authorities
ACT CANADA THANKS OUR NEW & RENEWING
MEMBERS:
PRINCIPAL:
Gemalto ~ member since 2005
GENERAL:
Canadian Banknote Ltd.~ member since 2003
Integri Americas ~ member
since 2006
SME:
Entrac Technologies Inc. ~ new member
CALENDAR OF EVENTS:
CTST
May 12-15, 2008
Orlando, FL, USA
http://www.ctst.com
CTST is the premier advanced payments and
security event in the Americas, bringing
together 2000+ industry professionals to
discuss solutions in smart cards, pre-paid
cars, mobile payments, biometrics and more.
The 4-day, 6-track event is produced in association
with Cards and Payments Magazine and the
Smart Card Alliance. ACT Canada members receive
a 10% registration discount, please contact
Andrea McMullen - 1 905 426-6360 ext 24 or
andrea@actcda.com.
ACT Canada is pleased to
present:
Cardware 08 - Government Focused Event
Ottawa, ON, Canada
&
Cardware 08 -
Financial/Merchant Focused Event
October 8 & 9, 2008
Kitchener Waterloo, ON,
Canada
Exhibit & Sponsorship information will
be available in the event section of our
web site as of March 1st. ACT Canada members
receive discounts for this event. For additional
information ,please contact Andrea McMullen
- 1 905 426-6360 ext 24 or andrea@actcda.com.
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1. EDITORIAL COMMENT
Source: Catherine Johnston, President &
CEO, ACT Canada (03/31) |
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Talking: 1 - Email: 0
This week I attended
Visa Canada's third
annual security symposium,
as well as an
Internet Law conference.
I was struck by
how valuable these
meetings can be.
It's
not just the information
you hear, but the
sharing of ideas
and the differing
perspectives
offered. The words,
"I hadn't thought
of that" or
"Now that you
say that,
it makes me think…"
are indicators of
value.
It's easy for any
of us to say that
we can't
afford the time to
attend external events,
but the synergies
that come from a
group
of people with common
objectives or obstacles
can lead to the very
outcomes we seek.
One of the statistics
we heard was that
up
to 90% of email is
spam and that is
true
for me. Think about
what that costs you.
Either you spend
time updating spam
filters,
checking predictive
spam folders for
legitimate
email, waiting while
email downloads through
spam filters or just
plain paying the
price
of losing legitimate
email that never
made
it to you or to the
person you sent it
to.
The greater price
is what we lose in
creative,
collaborative thought;
the type that happens
when one person hears
something and responds
verbally. You just
can't do that in
email,
in part because by
the time the response
reaches you, you
have moved onto another
task or thought and
lost the thread of
the
conversation.
There is a place
for email, but too
many
people no longer
answer their phones,
unless
they see from caller
ID that it is their
boss or client. As
a result, what could
be
accomplished in a
2 minute phone call
takes
a series of emails,
sometimes spread
across
hours or days.
No doubt, time is
the scarcest commodity
we have in our day
to day lives and
deciding
how we spend it is
challenging. We've
all
been to meetings
that accomplish little.
We have all been
on pointless phone
calls
and spent hours of
a day dealing with
email
and text messages.
Success will be measured
in how well you
balance all these
forms of communications.
Each has a strength
and weakness, so
if you
limit your interactions
to just one or two,
you will deny yourself
the benefits of the
others.
My thanks to Visa
Canada for a remarkable
day of information
and interaction.
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2. Profiting from Mobile Payments in Canada
Source: ACT Canada (03/31) |
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If you want to know:
- The Canadian consumer's appetite for mobile
payments
- Stakeholder strategies for mobile payments:
banks, credit card companies, mobile operators,
handset manufacturers, merchants
- Opportunities for revenue generation along
the value train
- Which business models are destined to survive
in the Canadian marketplace
- Potentially disruptive issues? Which emergent
strategies will position stakeholders for
success?
Contact ACT Canada to learn more about this
research study, due to
start soon - Eileen
Cassidy at 1 905 426-6360
ext 22 or Eileen@actcda.com.
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3. ACI WORLDWIDE ADVANCES PRODUCT STRATEGY
FOR RETAIL PAYMENTS
Source: ACI Worldwide (03/25)
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ACI Worldwide, Inc announced that its BASE24-eps
solution is live in more than 30 customer
sites, managing electronic payment devices,
acquiring transactions, and performing high-volume
switching, routing and authorization services.
ACI has launched a global effort to help
users of its earlier products migrate to
BASE24-eps, outlining release and support
strategies to help customers plan their migration
to ACI's next-generation solution.
BASE24-eps provides
all the key functions
of ACI's previous
retail payment engines,
deployed in a modern
object-oriented style
using service-oriented
architecture (SOA)
principles. The software
features a scripting
engine that allows
for easy customization
of business processing
logic to enhance
service
levels or improve
risk management.
BASE24-eps is available
on a variety of platforms,
including IBM System
z. System z represents
ACI's reference platform,
where BASE24-eps
is being fully integrated
with fraud detection,
settlement and other
back office solutions
to offer an end-to-end
payments hub for
retail
banking. ACI's end-to-end
solutions are optimized
for System z to take
full advantage of
the
platform's database,
middleware and security
capabilities.
ACI Worldwide (Canada) is a member of ACT
Canada; please visit http://www.aciworldwide.com.
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| 4. CHIP AND PIN REDUCES UK FRAUD, BUT OVERSEAS
FRAUD INCREASES - Members Only Access
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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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5. CIBC LAUNCHES NEW CHIP CARD TECHNOLOGY
Source: CNW (03/25)
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CIBC announced the introduction of chip technology
on CIBC Visa cards. CIBC Visa cardholders
in Kitchener-Waterloo, Ontario began receiving
their chip enabled credit cards as part of
an industry market trial. The increased security
that comes with chip technology is timely
- March is the industry's Fraud Prevention
Month.
The Kitchener-Waterloo
market trial will
give CIBC customers
and employees an
opportunity
to use new CIBC chip
cards and PINs and
provide
feedback on the experience.
CIBC debit cards
will be joining the
market trial in the
spring.
During 2008, CIBC
plans to start to
roll
out chip credit and
debit cards to all
customers.
Already, all CIBC
bank machines are
chip
enabled.
Visa Canada is a member of ACT Canada; please
visit http://www.visa.ca.
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6. GEMALTO ROLLS OUT ELECTRONIC SOCIAL SECURITY
PROGRAM NATIONWIDE IN ALGERIA
Source: SecureID News (03/26)
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Gemalto announced that it has started the
nationwide roll-out of Algeria's first electronic
healthcare project. Following the success
of the pilot phase comprising 700,000 cards
in five regions, this pioneering healthcare
program in Algeria is poised for nationwide
roll-out over the coming two years. This
timetable is in line with the deadline set
by CNAS (the Algerian national health insurance
authority) under the terms of the contract
won by Gemalto in 2006. Gemalto is prime
contractor for the program, handling end
to end implementation of the system for issuing
and managing the seven million smartcards
used by healthcare beneficiaries and providers.
Gemalto's solution
enables healthcare
institutions
to manage patient
records securely
and to
verify patient benefits,
while maintaining
data confidentiality.
For healthcare beneficiaries,
this new social security
smart card (known
as Chifa) simplifies
administrative procedures
and eliminates paperwork
from the submission
of claims to the
authorities. The
high level
of transaction security
and faster reimbursement
represent additional
advantages for smartcard
users.
Gemalto is a member
of ACT Canada; please
visit http://www.gemalto.com.
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7. NATIONAL BANK OF CANADA - TO OFFER THE
PAYPASS
Source: ICMA Daily News (03/20) |
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National Bank is pleased to announce that
it will integrate the contactless PayPassTM
payment option into smart credit cards issued
as part of a pilot project taking place in
Kitchener-Waterloo, Ontario and Saint-Jerome,
Quebec in 2008.
With this new
feature, National
Bank MasterCard
cardholders
will now have
three payment options,
depending on
the technology
offered by the
merchant:
Contactless
PayPassTM payment
can be used
as an alternative
to cash for
low-value purchases
by simply tapping
or brushing
the credit
card against
a reader
Smart card
technology,
which enhances the
security of
transactions
as clients must
authorize the
purchase by
entering their
personal identification
number (PIN)
Merchants who
do not yet
offer PayPassTM
or smart transactions
will continue
to swipe
cards and ask
clients to
sign the sales slip,
thus ensuring
that cards
can continue to
be used wherever
MasterCard
is accepted.
MasterCard Canada is a member of ACT Canada;
please visit http://www.mastercard.ca.
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8. INSIDE WINS VISA CERTIFICATION FOR MICROPASS
PAYMENT PLATFORM
Source: Contactless News (03/11) |
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INSIDE Contactless announced it is the first
to market with a Visa-certified implementation
of the new Streamline Online qVSDC specification
supporting the global interoperability of
Visa payWave. The MicroPass 4003 contactless
payment card microprocessor supports the
Visa Contactless V2.0.2 AC v3 specification,
and also supports backward compatibility
for currently deployed Visa Contactless 1.4.2
MSD contactless personalization and acquiring
infrastructures.
INSIDE Contactless continues to improve the
security capabilities of its intelligent
payment platforms, and the MicroPass 4003
incorporates the latest security enhancements.
The MicroPass 4003 offers multiple payment
brands and supports multiple applications,
as well as providing the industry's fastest
transaction time and outstanding read distance
to deliver the most reliable cardholder experience.
The INSIDE MicroPass 4003 was designed specifically
to meet multi-payment brand and multi-application
requirements of contactless payment markets.
As an intelligent payment platform, the native
operating system incorporated into the MicroPass
4003 provides fast, secure, reliable, and
flexible support for Visa payWave contactless
payments, along with retail/gift card, access
control, transit, ID, or other emerging applications.
Flexible packaging options enable manufacturers
to deploy MicroPass 4003 in a variety of
form factors including cards, key fobs, and
stickers for mobile handsets.
INSIDE Contactless and Visa Canada are members
of ACT Canada; please visit http://www.insidecontactless.com & http://www.visa.ca.
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9. NEW REPORT PREDICTS 25 MILLION WILL PAY
BY MOBILE PHONE IN 2011 - Members Only Access
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lAvailable 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. INFINEON SETS YET ANOTHER NEW TREND:
LOWEST-COST MOBILE PHONE PLATFORM FOR INTERNET-BASED
TELEPHONY
Source: Infineon (03/17) |
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For three years now, Infineon has been marketing
low-cost mobile phone chips that have given
new swathes of customers around the globe
the chance to use phones for the first time.
These innovative chips pack all the key functions
onto a tiny piece of silicon. More than 50
million units had been sold by the end of
last year, allowing users to make phone calls
within GSM mobile networks. The problem was
that call charges varied considerably depending
on the country and provider. Today, Internet-based
telephony (Voice over IP) is much cheaper.
Up to now, however, the sophisticated technology
needed for this application was only available
on expensive high-end phones known as smart
phones. In collaboration with Atheros, the
American wireless and wireline broadband
technology specialist, Infineon has therefore
developed a chip platform that for the first
time gives users the best of both worlds.
The low-cost chip from Infineon takes care
of all telephony functions in the GSM network,
while the Atheros chip kicks in when data
packets are used via a wireless LAN (hotspot
or WiFi) for voice or data traffic over the
Internet. Better still, the whole package
is available at an attractive flat rate.
"The combination of our GSM chip and
the wireless LAN chip from Atheros gives
even more people the chance to enjoy low-cost
communication," says Dominik Bilo, Senior
Vice President Sales and Group Marketing
at Infineon's Communication Solutions Division.
"For the foreseeable future, broadband
landline networks will not deliver full coverage
in emerging countries such as India, China
and parts of South America. By comparison,
a wireless LAN and a couple of hotspots or
a wireless IP cell for a small village can
be set up relatively quickly and inexpensively.
Billions of people can then plug into the
world of unlimited communication."
Independent market researchers see significant
growth opportunities for the combination
of GSM and VoIP technology in mobile phones.
Some 186 million units are slated to be sold
this year alone, and forecasts put the figure
for 2010 at 250 million units.
Infineon's contribution to the new GSM/VoIP
phones is its X-GOLD™101 single chip, which
packs the core functions of a mobile phone
- voice processing, radio frequency management,
power management, memory and so one - into
a footprint of just 8 mm x 8 mm. Atheros
adds its 10 mm x10 mm ROCm™ (radio-on-chip
for mobile) chip. This chip too is optimized
to deliver maximum functionality while minimizing
power consumption. Compared to conventional
solutions, Atheros halves the number of components
needed for innovative wireless VoIP communication.
Infineon is a member of ACT Canada; please
visit http://www.infineon.com.
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11. CPI FIRST TO RECEIVE MASTERCARD PAYPASS APPROVAL
FOR CARDS USING INSIDE MICROPASS 4003
Source: Contactless News (03/26)
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CPI Card Group has received approval from
MasterCard to produce PayPass cards using
the new MicroPass 4003 intelligent payment
platform from INSIDE Contactless. T0hese
new contactless payment cards meet the MasterCard
Mag Stripe Technical Specification version
3.2 and are available for immediate card
production orders from bank card issuers
and bureaus. The CPI MicroPass 4003 has already
received the MasterCard PayPass Letter of
Approval and Chip Assessment Security Testing
(CAST).
Bob Clarke, CPI's Vice President of Sales
and Marketing said, "INSIDE's certifications
for its MicroPass 4003 were a tremendous
help to us in obtaining final approvals from
MasterCard to produce these cards, and our
customers will also appreciate the superior
cardholder experience made possible by the
MicroPass 4003."
CPI Card Group and INSIDE Contactless are
members of ACT Canada; please visit http://www.cpicardgroup.com & http://www.insidecontactless.com.
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12. BIOMETRIC FINANCIAL ACCOUNTS COMING TO INDIA
- Members Only Access
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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. CETECOM AND INTEGRI LINK UP AND LAUNCH NEW
TEST SOLUTION FOR GERMAN PAYMENT MARKET
Source: Integri (03/04)
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Integri and CETECOM ICT Services announce
a collaboration and launch joint solution
for the functional testing of German Network
Service Providers (NSP).
With the GICC NSP Test Suite, German Network
Service Providers can test a correct data
exchange of their GICC1 connection to acquirers
such as First Data, Citibank, American Express
and B+S. Acquirers accept or refuse credit
card transactions at stores and point-of-sales
and it is therefore imperative that connections
between the different players are running
faultless. To guarantee optimal functioning,
acquirers have defined host type approval
test cases to which network operators should
comply.
CETECOM will use the PC-based tool in their
test laboratory to certify German network
service providers prior to connection to
an acquiring host. The Network Service providers
can use the tool's acquirer host simulator
to prepare for official approval tests in
laboratories such as CETECOM. Zentraler Kreditausschuss
(ZKA), the German Bank Association, which
is responsible for regulating electronic
payment applications in Germany, qualified
the test bench.
The solution, onto which CETECOM ICT Services
built the respective test suite for the GICC
NSP Testing, is based on Integri's open INQ
platform and thus customizable and future-proof.
The simulator is adaptable and can be configured
to any specific requirements. Besides, more
than 1000 possible test scenarios, covering
all possible circumstances, are readily available
and included. Additionally, it is easy to
run a test environment in automated mode
ensuring a considerable gain of time. Integri
has developed the simulator whilst CETECOM
built the different host type approval test
cases.
Integri is a member of ACT Canada; please
visit http://www.integri.com.
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14. GEMALTO ELECTRONIC HEALTH CARDS SUCCESSFULLY
TESTED BY GERMAN AUTHORITIES
Source: Gemalto (03/27) |
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Gemalto announced that its German electronic
health cards have been successfully tested
in pilot regions. Taking place in different
regions of Germany, these trials test the
infrastructure and components of the Gemalto
solution before the nation-wide roll out
in 2009.
The implementation of the smart health card
is actually the most important project for
the modernization of the public health system
in Germany and also the largest project based
on Public Key Infrastructure (PKI) technology
in the world. It involves 80 million patients,
188.000 doctors and dentists, 2,200 hospitals
and 21,000 pharmacies.
Gemalto was awarded the tender by AOK in
July 2007 to supply and personalize 35 million
e-health cards for their insured in Germany.
The pilot region of Ingolstadt in Bavaria
is one of seven regions in Germany in which
tests started to check the interrelation
of the e-health card (eGK) with other components
of the extensive telematic infrastructure.
In this test in Ingolstadt, up to 10.000
insured, 30 doctors, 16 pharmacists and two
hospitals are actually participating and
the tests run through several phases. The
e-health card in combination with the doctor's
health professional card works as a key function
once the eGK enables the access to medical
data securely stored in the system. Thanks
to the e-health card, the German health system
will be updated with the latest information
and communication technology.
Gemalto is a member of ACT Canada; please
visit http://www.gemalto.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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