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August 29, 2008 |
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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. Visa & Leading North American Banks
Launch Transaction Notification Pilot
3. Ontario Gives City $7
Million For Transit
Smart Cards
4. MasterCard, Citi Cards,
Bell Mobility
Trial Mobile Payments
5. Gemalto Web Service
Enables Personalized
Photos On Plasticnow MasterCard
Cards In
Canada
6. Ingenico Announces Class
A Certification
From Chase Paymentech Solutions
For Its New
Terminals
7. Mobile Payments - Trust
Is Key - Members
Only Access
8. Cardwizard Enables EMV
Instant Issuance
At Retail Stores
9. Giesecke & Devrient
Supplies Passports
& Driver's Licenses
To Kosovo
10. CPI Card Group To Manufacture
First Wood
Key Card For Democratic
National Convention
11. INSIDE Contactless
Appoints Industry
Veteran To VP Sales &
Business Development,
Canada
12. Philippines Pension
Scheme Uses Voice
Biometrics - Members Only
Access
13. LaserCard Receives
Follow-On Order For
Saudi Arabia National ID
Card Program
14. Canadian Brokerage
Rolls Out Biometric
Voice Authentication
15. Banking On The 'Unbanked'
- Members Only
Access
16. GFI Acquires Bell Business
Solutions
ACT Canada is pleased to announce our new
Partner - Collis
Collis is a leading provider of EMV, e-ID,
and e-Passport test tools, consulting, and
training in Canada. Contact us for EMV training
and test tools for every step of the EMV
Transaction life-cycle - Cards, Terminals,
Acquiring host and Authorization host. Collis
America at 1-651-925-5410.
ACT CANADA THANKS OUR NEW & RENEWING
MEMBERS:
PRINCIPAL
Vancity Savings Credit Union ~ rejoining
GENERAL:
American Express ~ rejoined
HSBC ~ member since ~ 2006
LoyaltyOne ~ rejoined
CALENDAR OF EVENTS:
ACT Canada is pleased to
present:
Cardware 08 - Securing ID
September 23, 2008
Ottawa, Canada
&
Cardware 08 -
Securing Payments
October 8 & 9, 2008
Kitchener Waterloo, Canada
Additional information is available at http://www.actcda.com/calendar/symposium.htm. ACT Canada members receive discounts for
this event.
Loyalty World 2008
September 23-26, 2008
London, England
http://www.terrapinn.com/2008/lw08/
Smart Card Alliance 7th
Annual Smart Cards
in Government Conference
2008
October 22-24, 2008
Washington, DC, USA
http://www.smartcardalliance.org
CARTES & IDentification
2008
November 4-6, 2008
Paris, France
http://www.cartes.com
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1. EDITORIAL COMMENT
Source: Catherine Johnston, President &
CEO, ACT Canada (08/28) |
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The 3 R's for Professional Success
As millions return
to school next week,
we
might want to review
our own 3 Rs.
1. Recognize the
need for broader
and timelier
communication among
stakeholders
2. Realize the benefits
of committing to
the market
3. Re-invest in professional
development
for ourselves and
our staff
I think it is safe
to say that each
of us
is pressured, and
as the old saying
goes,
"when you are
up to your (you pick
the
body part) in alligators,
it's hard to remember
that the original
objective was to
drain
the swamp".
While that may be
true,
you may be able to
drain the swamp,
sell
the water, drill
for oil and be a
success
if you pay attention
to these 3 Rs.
1. Seek out opportunities
to talk with other
stakeholders, not
just the ones you
meet
with normally. Conferences
are a great place
to meet people with
shared interests,
even
though they may not
yet know or share
your
perspective. Go with
an open mind. You
have
nothing to lose,
and both information
and
relationships to
gain. There is no
one way
to reach stakeholders
in the payment or
identity
management space,
so we need to expand
our
outreach.
2. While pursuing
a competitive advantage,
you will benefit
from demonstrating
your
commitment to the
local market. As
either
a buyer or seller,
you need to be supportive
of initiatives and
associations that
promote
market growth. After
all, a strong market
provides competitive
products and pricing
for buyers and more
opportunities for
suppliers.
Some companies want
their competition
to
do all the heavy
lifting and then
plan to
take advantage. It's
rarely a good strategy
in the long term.
3. Resources cost
the most when you
have
to compete for them
in a seller's market.
Anyone working with
EMV already knows
this.
By providing information
and training for
your staff, you gain
immediate and longer
term benefits. Not
only that, but employers
who provide these
are more likely to
retain
their staff in this
market.
If no man is an island,
no company or government
is one either.
If these seem to
be my way of encouraging
you to benefit from
the upcoming Cardware
08, Smart Card Alliance
Government Show and
Cartes conferences,
it is. Each provides
benefits. Each brings
you information and
dialogue that cannot
be accessed after
they
are over. Join me
at Cardware for information
that is specific
to your plans, the
Canadian
market and what I
hope to be your every
success!
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2. VISA & LEADING NORTH AMERICAN BANKS
LAUNCH TRANSACTION NOTIFICATION PILOT
Source: BusinessWire (08/18) |
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Visa and eight leading North American financial
institutions - PNC Bank, SunTrust Bank, U.S.
Bank, Wachovia, and Wells Fargo in the United
States, and Royal Bank of Canada, TD Bank
Financial Group, and Vancity in Canada -
have agreed to initiate a pilot program with
up to a total of 2,000 participants to test
the delivery of real-time notification alerts
on Visa accounts.
The program, which is being
conducted in
cooperation with some of
the largest North
American issuers, is designed
to enhance
the consumer payment experience
by alerting
cardholders in real-time
or near real-time
of transaction activity
on their Visa account
- typically within seconds
rather than hours
or days. Participants will
receive notification
alerts from Visa through
email or Short Message
Service (SMS) delivered
directly to their
mobile devices.
Based on Visa's state-of-the-art
transaction
authorization system, and
its ability to
analyze and conduct risk
score transactions
"in-flight,"
the service allows
Visa cardholders to set
thresholds that will
trigger a transaction alert.
Alert types
that Visa cardholders may
choose in the pilot
include:
cash withdrawal from an ATM machine;
- a transaction initiated cross border;
- an Internet or telephone transaction and
- a transaction that exceeds an amount that
has been chosen by the cardholder.
Through the alert received
via email or SMS
text, cardholders can verify
the transaction
details, and if the transaction
appears to
be irregular, can immediately
contact their
bank to help stop further
transactions on
the card. The service is
designed to help
cardholders keep closer
track of their transactions
and spending levels as
they go about their
daily routine. According
to a recent Javelin
Strategy & Research
report, consumers
view timely alerts as a
valuable resource
to help detect fraud.
TD Bank Financial Group,
Vancity and Visa
Canada are members of ACT
Canada; please
visit http://www.td.com; http://www.vancity.ca & http://www.visa.ca
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M-payments & NFC: Now, Near or Never?
Find out what you need to know about emerging
payments.
Join us at Cardware 08
- Securing Payments,
October 8 -9 in Kitchener-Waterloo
visit http://www.actcda.com/calendar/symposium.htm to register
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3. ONTARIO GIVES CITY $7 MILLION FOR TRANSIT
SMART CARDS
Source: Contactless News (07/02)
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Ottawa transit riders should be able to chuck
their plastic passes and paper tickets by
2011 after the provincial government handed
the city $7 million toward a $21-million
smart card system.
The announcement
was made by Ottawa
West-Nepean
MPP Jim Watson, who
is also minister
of municipal
affairs and housing.
The cards would store
either transit passes
or a cash value,
with card readers
on buses
and O-Train platforms.
They would be replenished
online, by telephone,
by pre-arranged direct
debit or at OC Transpo
sales offices and
vendors. Enforcement
officers would have
portable smart card
readers to ensure
proof
of payment.
In 2007, councillors
set aside $14 million
for the system, which
will be fully integrated
with Gatineau's transit
system. In the future,
city officials say
they hope to turn
the
smart card system
into a citywide payment
vehicle that can
be used to book recreation
spaces, pay library
fees and purchase
other
city services.
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4. MASTERCARD, CITI CARDS, BELL MOBILITY TRIAL
MOBILE PAYMENTS
Source: www.intomobile.com (08/25) |
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MasterCard, Citi and Bell Mobility are in
the midst of trialing contactless payments
with mobile phones. About 24 million locations
such as fast food restaurants, gas stations,
grocery stores and convenience stores, which
accept MasterCard PayPass are involved in
the pilot program. No signature is required
for purchases under 50 bucks - all you have
to do is place your mobile phone near the
payment reader and watch your balance going
down.
As for the security,
MasterCard argues
contactless
payments are as safe
as traditional card
payment transactions.
Contactless payments
also provide more
consumer control,
since
the mobile phone
doesn't have to leave
your
hands to be swiped
by a merchant/retailer.
All PayPass enabled
mobile phones are
protected
with Zero Liability
coverage for any
fraudulent
transactions. The
trial runs until
November
2008.
Citi Card Canada & MasterCard Canada
are members of ACT Canada; please visit http://www.citicards.ca & http://www.mastercard.ca.
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5. GEMALTO WEB SERVICE ENABLES PERSONALIZED
PHOTOS ON PLASTICNOW MASTERCARD CARDS IN
CANADA
Source: Gemalto (07/31)
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Gemalto announced it will provide its CardLikeMe™
service to PlasticNow, giving consumers the
flexibility to customize their PlasticNow
prepaid MasterCard® with the photo of their
choice. Gemalto has exclusively supplied
payment cards and personalization services
from its secure center in Burlington, Ontario
to Canada-based PlasticNow since 2006.
Allynis CardLikeMe
is completely Web-based;
cardholders simply
connect to the PlasticNow
Web site, upload
images directly from
their
computer and order
their card instantly
online.
They can adjust their
photo with an easy-to-use
and intuitive interface.
They can move, zoom,
rotate or focus on
one part of the picture
to ensure that their
card is personalized
to their exact specifications.
PlasticNow is one
of Canada's first
and leading
providers of prepaid
card solutions, through
an issuing partnership
with Peoples Trust
Company.
Gemalto and MasterCard Canada are members
of ACT Canada; please visit http://www.gemalto.com & http://www.mastercard.ca.
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6. INGENICO ANNOUNCES CLASS A CERTIFICATION
FROM CHASE PAYMENTECH SOLUTIONS FOR ITS NEW
TERMINALS
Source: Ingenico (08/12)
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Ingenico announced that they have received
Class A certification for their payment transaction
terminals running the new EuroPay MasterCard
Visa (EMV) application created for Chase
Paymentech Solutions. The Ingenico i3070,
i5310 and i7780 terminals, running the EMV
application, will allow Chase Paymentech
merchants to accept chip-enabled credit cards.
Ingenico's i5310,
i3070 and i7780 are
chip-enabled
products using the
new EMV application.
The
terminals prompt
users of chip-enabled
cards
for a PIN number
on credit card transactions.
The i7780, featuring
Ingenico's Pay@Table
solution, is a portable
and secure payment
terminal that allows
the server to bring
the payment terminal
to the table. The
i5310
adds the convenience
of a built-in, secure
PIN pad. The i3070
allows the merchant
to
locate the terminal
out of reach of the
consumer
for aesthetic or
environmental reasons
while
providing an easy-to-use
key pad that can
be handed directly
to the customer.
Ingenico is a member
of ACT Canada and
an
exhibitor at Cardware
08: Securing Payments;
please visit http://www.ingenico.com.
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Where can merchants turn for help with POS
& new payment option questions?
Join us at Cardware
08 - Securing Payments,
October 8 -9 in Kitchener-Waterloo
visit http://www.actcda.com/calendar/symposium.htm to register
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| 7. MOBILE PAYMENTS - TRUST IS KEY - 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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8. CARDWIZARD ENABLES EMV INSTANT ISSUANCE AT
RETAIL STORES
Source: Dynamic Card Solutions (08/05) |
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Dynamic Card Solutions (DCS) announced that
the company's solution can now be used by
financial institutions and their retail partners
to issue chip-based Visa® and MasterCard®
co-branded credit cards instantly at retail
store locations.
Integrating seamlessly with core applications,
card management systems and data preparation
systems, DCS makes it easy for retail stores
to quickly set up individual kiosks or member
service areas in store or franchise locations.
As with traditional credit cards, customers
who want to sign up for an EMV credit card
must complete the application process.
Once approved, the customer instantly receives
a personalized, activated EMV store credit
card that can be used for a store purchase
within the same visit. Retailers have the
option to attach store promotions, reward
programs or first-time discounts to individual
cards which increases the sales penetration
of the card program.
"Thanks to contactless and EMV cards
capabilities, many financial institutions
and retailers are recognizing the benefits
of transitioning from magnetic stripe cards
to smart card solutions which increase security
and add multi-application functionality to
their cards," said Spencer Clark, director
of international markets for DCS. "In
saturated credit card markets, instant issuance
is a great differentiator. Retail locations
are an optimal place for financial institutions
to capture new clients and deliver co-branded
EMV cards; those retailers who can instantly
issue these cards increase customer satisfaction,
activation rates and profits."
Instantly issuing EMV credit cards at the
branch or in retail point of sale locations
eliminates the cost of hiring a third party
vendor to issue a plastic card as well as
associated delivery risks and costs. With
instant issuance-which requires customers
to present identification in order to receive
a new or replacement card-financial institutions
provide an added level of security to protect
customers' personal and financial information.
Additionally, by allowing retail customers
to offer instantly issued chip-based credit
cards, financial institutions can begin to
recognize the benefit of interchange revenue
sooner because customers have instant access
to the open-loop credit cards.
Dynamic Card Solutions is a member of ACT
Canada and an exhibitor at Cardware 08: Securing
Payments; please visit http://www.instantissuance.com.
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9. GIESECKE & DEVRIENT SUPPLIES PASSPORTS
AND DRIVER'S LICENSES TO THE REPUBLIC OF
KOSOVO
Source: ICMA News(07/31) |
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Five months after proclaiming its independence,
the Republic of Kosovo has begun to issue
passports to its citizens. The Kosovar Ministry
of Internal Affairs awarded the contract
to produce and supply 600,000 passports and
400,000 driver's licenses to Munich-based
security technology group Giesecke &
Devrient (G&D). The high-security travel
documents were developed and produced in
a record-breaking three months. The first
batch of new credit-card-sized driver's licenses
is scheduled for delivery in the fourth quarter
of this year.
"These passports represent a basic legal
condition for an independent Kosovo. They
also serve a symbolic purpose for our country:
they strengthen our national identity,"
stated Zenun Pajaziti, Minister of Internal
Affairs of the Republic of Kosovo. "Kosovo
has around 2.1 million inhabitants in total.
With these modern identity documents, we
can enable many of our citizens to enjoy
more mobility in international travel."
"The passports and driver's licenses
combine present-day designs with cutting-edge
security technologies and set new standards
throughout Europe," said Hans Wolfgang
Kunz, Group Executive for Government Solutions
at G&D.
Giesecke & Devrient is a member of ACT
Canada and an exhibitor at Cardware 08; please
visit http://www.gi-de.com.
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Need to learn more about border crossing,
identity management & government card
projects?
Join us at Cardware 08 - Securing ID, September
23rd in Ottawa
visit http://www.actcda.com/calendar/symposium.htm to register
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10. CPI CARD GROUP TO MANUFACTURER FIRST
WOOD KEY CARD FOR DEMOCRATIC NATIONAL CONVENTION
Source: ICMA News (08/21)
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CPI Card Group announced that it is working
with Sustainable Cards LLC, to provide the
most environmentally sensitive electronic
key cards for the 2008 Democratic National
Convention in Denver, Colorado. As part of
the host committee's commitment to organizing
the greenest political convention in history,
they have selected sustainably harvested
wooden key cards for the approximately 70,000
hotel key cards that will be produced for
convention visitors.
Just being introduced to the U.S. now, the
wooden key and gift cards have been used
successfully in Europe for nearly 10 years.
The environmental benefits of using this
wood alternative include:
" Wood turns into non-toxic dirt to
enrich the soil as it decomposes.
" The wood used comes from forests that
are managed for sustainability.
" The wood card is composed of over
95% unaltered organic plant material and
completely biodegrades.
Biodegradable wood key cards are one of the
most cost-effective and visible green initiatives
available to hotels today. By switching their
key cards to biodegradable wood, hotels can
reduce their harmful waste dramatically,
while at the same time enrich the soil with
eco-friendly material.
CPI Card Group is a member of ACT Canada
and an exhibitor at Cardware 08: Securing
Payments; please visit http://www.cpicardgroup.com.
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11. INSIDE CONTACTLESS APPOINTS INDUSTRY VETERAN
TO VP SALES AND BUSINESS DEVELOPMENT, CANADA
Source: ICMA News (07/31)
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Continuing to build its strength in the Canadian
smart card market, INSIDE Contactless, the
world leader in advanced contactless microprocessor
platforms, announced the appointment of Kim
Madore to the position of vice president,
sales and business development, Canada. In
her new role, Kim will bring her extensive
industry background and experience to bear
on leading INSIDE's expansion into Canada,
introducing products and building and maintaining
strategic relationships with key customers,
bank card issuers, card associations and
others in the Canadian payment and NFC markets,
as well as in other payment-related application
areas.
"Kim brings hands-on managerial experience
and an intimate knowledge of the technologies
and market dynamics of the industry to INSIDE
Contactless, and we are very excited and
appreciative to have her here to help us
make the most of the substantial opportunities
we believe this emerging market will present,"
said Didier Serra, general manager and executive
vice president of sales, North America at
INSIDE Contactless. "As contactless
payments take off in Canada, fueled by recent
retail successes and a major national migration
towards EMV standards, Kim will be leading
our charge to deliver cost-effective, high-performance
solutions for both traditional and dual-interface
cards."
INSIDE Contactless is a member of ACT Canada
and an exhibitor at Cardware 08: Securing
Payments; please visit http://www.insidecontactless.com.
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12. PHILIPPINES PENSION SCHEME USES VOICE BIOMETRICS
- 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. LASERCARD CORPORATION RECEIVES FOLLOW-ON
ORDER FOR SAUDI ARABIA NATIONAL ID CARD PROGRAM
Source: ICMA News (08/07)
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LaserCard Corporation announced a follow-on
purchase order valued at $2.8 million to
supply secure identity cards for the Kingdom
of Saudi Arabia's National ID Card program.
This brings the total value of orders received
for the program since April 1, 2008 to $7.4
million.
The $2.8 million order is for the continued
supply of optical smart cards to be issued
via offices in cities throughout Saudi Arabia.
Deliveries under the order are expected to
be completed during the current calendar
year.
LaserCard Corporation is a member of ACT
Canada and an exhibitor at Cardware 08: Securing
ID; please visit http://www.lasercard.com.
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Need to learn more about e-healthcards, identity
management & government card projects?
Join us at Cardware 08 - Securing ID, September
23rd in Ottawa
visit http://www.actcda.com/calendar/symposium.htm to register
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14. CANADIAN BROKERAGE ROLLS OUT BIOMETRIC
VOICE AUTHENTICATION
Source: ePaynews.com (08/15) |
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Canada's TD Waterhouse Discount Brokerage
is rolling out voice biometric authentication
from U.S-based Nuance Communications to protect
its customers' transactions. The telephone
and online brokerage is a subsidiary of TD
Canada Trust, one of Canada's top five banks.
Biometric technology uses a person's unique
characteristics, for example retinal patterns,
to verify their identity. The TD Waterhouse
Voice Print System allows clients to create
a unique voiceprint, which is converted into
a mathematical representation of their voice,
then stored on file and used to verify their
identity.
"Rollout of Voice Print will take place
this summer and early fall in Canada,"
a TD Waterhouse spokesperson tells ePaynews.
"Our target enrolment is a majority
of our telephone client base within the first
year." The spokesperson declined to
say how many of the discount brokerage's
clients are already using the technology.
TD Waterhouse says it is the first discount
brokerage in Canada to use voice biometric
authentication.
The firm has over 1 million discount brokerage
clients in Canada, of whom almost a fifth
access their account by telephone.
TD Bank is a member of ACT Canada; please
visit http://www.td.com.
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| 15. BANKING ON THE 'UNBANKED' - 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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16. GFI ACQUIRES BELL BUSINESS SOLUTIONS
Source: GFI Solutions (08/05)
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GFI Solutions Group Inc., a Québec-based
leader in the field of IT services for business,
announced its subsidiary, GFI Conseils Inc.,
has completed the acquisition of Bell Business
Solutions Inc, a subsidiary of Bell Canada
that offers a full range of Enterprise Resource
Planning (ERP) solutions for Small and Medium
Enterprises (SMEs) in the private and public
sectors. These business solutions complement
those that are already provided by GFI in
these sectors. GFI completed the transaction
with the financial participation of the Solidarity
Fund QFL. This acquisition also propels the
Company into the ranks of the largest IT
consulting firms in Canada.
With this acquisition, GFI extends its services
to include all companies in the public and
private sectors across Canada for applications
intended for the municipal sector, the health
industry, and the manufacturing, distribution,
and printing industries.
GFI Solutions is a member of ACT Canada;
please visit http://www.gfisolutions.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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