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February 27, 2009 |
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Welcome to the February 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 Deploys Postilion Solution
To Enable EMV Chip Program
3. Visa Provides Contactless
For Second Cup
4. Contactless Cards May
Pave Way For EMV
In The U.S. - Member Only Access
5. Gemalto, NXP And Infineon
Demonstrate
World's First Mifare Compatible
SIM-Based
Solution For Mobile NFC
Services
6. British Consumers Driving
Adoption Of
Contactless & Mobile
Payments
7. GSMA Selects Visa As
Provider For Mobile
Money Transfer Solutions
8. Oberthur Technologies
And NXP Move Ahead
With NFC Deployment Compatible
With Mifare
Infrastructure
9. Half Of M-Coupons Redeemed By New Customers
- Member Only Access
10. Canadians Get Air Miles
For Yahoo! Searches
11. Singapore Moves Towards
Interoperable
NFC Infrastructure For
M-Payments
12. No Slowing Down For Biometrics - Member Only Access
13. LaserCard And Gemalto
Sign Card Supply
Agreement For New Phase
Of Saudi Arabia National
ID Card Program
14. Outsourced Gift Cards
'A Retail Opportunity'
15. NAB To Explore Commercialization Of M-Payments
After Trial Shows Strong Consumer Support
- Member Only Access
ACT Canada Partners:
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.
Visa operates the world's largest retail
electronic payments network
and is one of
the most recognized global
financial services
brands. Visa facilitates
global commerce
through the transfer of
value and information
among financial institutions,
merchants,
consumers, businesses and
government entities.
ACT CANADA THANKS OUR NEW & RENEWING
MEMBERS:
PRINCIPAL:
ATB Financial ~ upgraded
Citi Cards Canada ~ upgraded
Giesecke & Devrient
~ member since 1990
Home Trust Company ~ new
member
HSBC ~ upgraded
GENERAL:
NBS Technologies ~ member
since 1995
Ombudsman for Banking Services
and Investments
~ new member
President's Choice Financial
~ member since
2008
SME:
SICPA Securlink ~ new member
ASSOCIATE:
Lenny Hanson ~ new member
CALENDAR OF EVENTS:
Cardware Connections Meeting
+ Inaugural
Meeting of our New Strategic
Leadership Team
March 23, 2009 (morning)
OBA Conference Centre
Toronto, ON, Canada
Visit www.actcda.com for more details
Collis EMV Chip Seminar
March 25-26, 2009
The Toronto Board of Trade
- First Canadian
Place, Suite 350
Toronto, ON, Canada
ACT Canada members receive
a 15% discount
- visit our online calendar
of events for
more details
2009 CTST/Smart Card Alliance
Annual Conference
& Expo
May 4-7, 2009
Ernest N. Morial Convention
Center
New Orleans, LA, USA
http://www.ctst.com
ACT Canada members receive
discounts - please
contact andrea(AT)actcda.com
for details
Cardware 09: Payment Insights
Financial & Retail
Sectors Conference
June 17-18, 2009
White Oaks Conference Centre
Niagara-on-the-Lake, ON,
Canada
Visit www.actcda.com for more details
Cardware 09 Secure ID Insights
Government Sector Event
September 16, 2009
Hellenic Centre
Ottawa, ON, Canada
Visit www.actcda.com for more details
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1. EDITORIAL COMMENT
Source: Catherine Johnston, President &
CEO, ACT Canada (02/24) |
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2009 - Glass half full or half empty?
By now you know that
I'm inclined to see
the positive side
of things. Life is
easier
that way. While some
are concerned about
the prospects for
2009, I can see one
area
where the economic
downturn could play
in
our favour.
For the past two
years, we have been
busy
preparing for the
roll out of EMV.
It hasn't
allowed much time
to plan for new initiatives.
We've been so busy
in the financial
sector,
that it has been
hard to engage all
the stakeholders.
2009 gives us a window
where we can briefly
think about how we
might have done things
differently if more
stakeholders had
been
involved. Then, we
can use this year
to develop
a framework for applications
such as mobile
payment, prepaid,
and NFC. We can think
through
issues such as multi-application
to find
the profitable approach.
We can think through
potential for new
interfaces and form
factors.
Most importantly,
we can get input
and feedback
from other stakeholders
to ensure best case
scenarios.
In 2009, ACT Canada
will continue to
focus
on stakeholder relations
to provide value
to our members. Each
of the following
teams
brings stakeholders
together in a neutral
forum to facilitate
dialogue and progress.
Merchant Strategic
leadership team:
identifying
and filling information
and support gaps
related to EMV
Mobile Payment Strategic
Leadership team:
building the roadmap
for Canadian stakeholders.
Join us March 23rd
as we launch this
team!
Government Strategic
Leadership team:
understanding
impediments and identifying
strategies for
identity management
PIN Management Strategic
Leadership team:
formulating best
of breed solutions
as we
roll out Chip and
PIN
With their approval
of our annual plan,
the
board has also paved
the way for our members
and other stakeholders
to access information
and foster discussions
through Cardware
09:
Financial Insights,
focusing on growth
opportunities
in threatening times
(June). For the public
sector we will open
the dialogue on identity
management to a broader
group of government
decision makers at
Cardware 09: Identity
Management Insights
(September).
Every executive will
tell you: You can
have
time or you can have
money. With budgets
short of money, let's
use the time to our
best advantage. ACT
Canada will help!
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2. CANADIAN TIRE DEPLOYS POSTILION SOLUTION
TO ENABLE EMV CHIP PROGRAM
Source: PR Newswire (02/05) |
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Postilion announced that Canadian Tire Corporation
has implemented Postilion for Retailers to
enhance in-store transaction security, simplify
operational management, and provide the foundation
for EMV chip acceptance.
The Postilion solution
enables payments from
Canadian Tire Retail's
473 stores to be seamlessly
integrated with retail
functionality at the
POS. All aspects of EMV
chip and PIN payment
processing will be handled
by the integrated
solution, standardizing
the payment capture
mode across the store network.
Transactions
will be submitted to a
centrally located
payment switch for online
authorization via
the integrated POS.
Postilion for Retailers
can deliver faster
transaction processing
times than those associated
with older technologies,
and eliminate the
need for dial-up lines.
The solution is PABP
certified, thus simplifying
PCI DSS compliance
programs.
Canadian Tire is a member of ACT Canada,
please visit http://www.canadiantire.ca.
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3. VISA PROVIDES CONTACTLESS FOR SECOND CUP
Source: Greensheet.com (02/02)
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Visa Inc. announced in Canada that Second
Cup has joined a growing roster of Visa payWave(TM)
contactless payment enabled merchants, which
will allow consumers to simply "wave
and go" when making every day transactions
like purchasing coffee.
Contactless payments
deliver speed and
convenience
to participating
merchants and Visa(R)
cardholders
while offering the
security benefits
inherent
in chip technology.
360 Second Cup stores
in Canada will be
equipped with Visa
payWave
enabled terminals
by March 31, 2009.
Visa Canada is a
member of ACT Canada;
please
visit http://www.visa.ca.
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4. CONTACTLESS CARDS MAY PAVE WAY FOR EMV IN
THE U.S. - 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. GEMALTO, NXP AND INFINEON DEMONSTRATE WORLD'S
FIRST MIFARE COMPATIBLE SIM-BASED SOLUTION
FOR MOBILE NFC SERVICES
Source: Gemalto (02/16)
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Gemalto, NXP and Infineon announced they
are demonstrating the first mobile contactless
solution compliant with the Single Wire Protocol
(SWP) standard and compatible with MIFARE™*
infrastructures. NXP's MIFARE contactless
technology is widely deployed for transport
networks and access management worldwide.
Being compatible with MIFARE, in addition
to all the ISO 14443 contactless infrastructures,
the solution will enable users to benefit
from any contactless service on his/her mobile
phone. For example, users will be able to
travel across various cities, pay in shops,
access their company premises and benefit
from loyalty programs by simply tapping their
mobile phone.
Gemalto will be demonstrating
this universal
mobile contactless
solution at Mobile
World
Congress in Barcelona.
The handset is embedding
an NFC controller
from NXP and complemented
by Gemalto's secure
SWP SIM card incorporating
an Infineon flash
microcontroller compatible
with MIFARE Classic
technology.
Gemalto; Infineon and NXP are member of ACT
Canada; please visit http://www.gemalto.com; http://www.infineon.com & http://www.nxp.com.
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6. BRITISH CONSUMERS DRIVING ADOPTION OF
CONTACTLESS & MOBILE PAYMENTS
Source: PublicTechnology.net (02/18)
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Convenience, rather than security, will be
the driving force behind the UK adopting
new payment methods, according to an independent
survey of 1,000 British consumers. The research,
commissioned by payment solutions provider
Ingenico, found that contactless cards and
mobile handset technology are popular with
shoppers already and could prove a viable
alternative for cash.
Respondents were
questioned on their
experiences
with contactless
pre-paid cards, contactless
debit or credit cards
and mobile handset
payments. Whilst
the actual figures
of people
using the technologies
are relatively low
(13, eight and four
percent respectively),
almost half of all
respondents would
consider
using or would definitely
use the technology.
This is likely to
increase dramatically
as
awareness of the
benefits for cardholders
increases.
Although the current
limit for contactless
payments in the UK
is set at £10, the
survey
found that shoppers
are happy for this
figure
to rise to an average
of £35.10. With mobile
handset payments,
the average was £32.10.
However, with the
average person carrying
£29.30 in cash, this
opens the door for
these
more convenient payment
methods to eventually
replace 'pocket money'.
Mobile handset technology
has received the
most exposure with
British consumers,
with
20 percent of respondents
having heard of
it. Of the 41 percent
of people who would
consider using or
would definitely
use the
technology, the top
three benefits were
cited
as convenience, a
reduction in queuing
times
and a preference
to carry less cash
and cards
around. Interestingly,
only 12 percent of
respondents saw the
improved security
of
mobile payment as
a benefit.
"Adoption of
contactless and mobile
payments in the UK
is going to be fascinating
to watch, as it is
being consumer-driven,"
said Gregor Rankin,
marketing manager
of
northern Europe at
Ingenico. "British
shoppers want speed
and convenience at
the
till and they see
how these new payment
methods
meet their needs.
Retailers can also
expect
to benefit, as increased
footfall is one
of the recognised
advantages of implementing
contactless."
Ingenico is a member of ACT Canada; please
visit http://www.ingenico.com.
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7. GSMA SELECTS VISA AS PROVIDER FOR MOBILE
MONEY TRANSFER SOLUTIONS
Source: Business Wire (02/18)
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Visa Europe and Visa Inc. announced plans
to work with the GSMA to advance the delivery
of mobile financial services around the world.
As part of
the continuing
collaboration between
the two organizations,
the GSMA has
selected
Visa as a provider
for mobile
money transfer
solutions globally,
and is working
to execute
an agreement
to formalize
participation terms.
Visa is already
a leading provider
of money
transfer solutions
with active
programs in
14 countries
in Europe,
the Middle East and
Asia.
This announcement
was made at
the GSMA Mobile
World Congress,
the leading
event for the
mobile communications
industry, where
Visa
is showcasing
a range of
mobile payment innovations.
A key aspect
of the collaboration
between
Visa and GSMA
will be the
creation of standards
for mobile
money transfer,
mobile payments
and related
services. This
collaboration
will allow
carriers and
financial institutions
to deploy mobile
payments more
rapidly and
limit market
fragmentation.
Standardization
also benefits
consumers by
promoting interoperability
among carriers
and institutions,
ensuring
a consistent
and reliable
experience and
promoting faster
adoption of
the technology.
Ongoing Collaboration
Delivers Results
Today's announcement
marks the latest
development
in the ongoing
collaboration
between Visa
and the GSMA.
Recently, as
part of the GSMA
Pay-Buy-Mobile
initiative,
Visa and several
GSM mobile
network operators
launched mobile
payment trials
in Canada,
Switzerland, France
and the UK,
and completed
successful trials
in Australia,
Malaysia and
Taiwan, which
are all designed
to advance
the development
of mobile payments
at the point
of sale.
Importantly,
many of these
trials embed the
Visa payment
application
into the SIM card
enabling Visa
account holders
to easily switch
the application
from one handset
to another.
Covering more
than a thousand
test users
and select
merchants,
all of these trials
demonstrated
the ability
to download and
personalize
payment software
over the air
and make mobile
payments using
the same point
of sale equipment
already in
place at merchants
to accept contactless
card transactions.
Visa Canada
is a member
of ACT Canada; please
visit http://www.visa.ca.
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8. OBERTHUR TECHNOLOGIES AND NXP MOVE AHEAD
WITH NFC DEPLOYMENT COMPATIBLE WITH MIFARE
INFRASTRUCTURE
Source: Oberthur Technologies (02/18) |
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Oberthur Technologies and NXP announced the
completion of interoperability tests between
Oberthur Technologies' Opera FlyBuy NFC (Near
Field Communication) SIM Cards and NXP's
PN544 NFC Controller. Opera FlyBuy NFC SIM
Cards from Oberthur Technologies can be used
in conjunction with NXP's PN544 to design
NFC mobile devices compatible with MIFARE(TM)*
Classic technology in existing infrastructures.
"With its multi-application and remote
management capabilities, Opera FlyBuy NFC
SIM cards from Oberthur Technologies offer
the highest level of flexibility to mobile
network operators (MNO) and convenience of
contactless technology to the end-customers.
With this MIFARE-compatible SIM card on the
mobile phone, anyone travelling from Beijing
to London will have the convenience of using
transport services where MIFARE technology
has been deployed," said Xavier Drilhon,
Managing Director, Card Systems Division
at Oberthur Technologies.
"We are pleased to get this interoperability
validation from NXP and support the industry
in making mobile contactless a reality, and
ensure our MNO customers take the lead in
mobile convergence through our NFC solution."
Oberthur Technologies & NXP are members
of ACT Canada; please visit http://www.oberthur.com & http://www.nxp.com.
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| 9. HALF OF M-COUPONS REDEEMED BY NEW CUSTOMERS
- 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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10. CANADIANS GET AIR MILES FOR YAHOO! SEARCHES
Source: The Wise Marketer (02/03)
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Yahoo! Canada has begun aggressively pursuing
a greater search engine market share through
a new partnership with the Air Miles Rewards
Programme, by issuing Air Miles collectors
a number of reward miles for conducting online
searches through Yahoo!. In a three-way agreement
that also involves browser toolbar provider
FreeCause, the new AIR MILES Toolbar software
is being offered for free via the Air Miles
web site, allowing Canadians to earn reward
miles for everyday searches. The toolbar
offers 5 reward miles for every 50 searches
conducted through the AIR MILES Toolbar (up
to a maximum of 360 reward miles per year),
as well as displaying the member's account
balance. The toolbar also helps to ensure
that Air Miles collectors earn their reward
miles when shopping with the programme's
100+ online sponsors via AirMilesShops.ca.
Air Miles is operated by LoyaltyOne, a member
of ACT Canada; please visit http://www.loyaltyone.com.
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11. SINGAPORE MOVES TOWARDS INTEROPERABLE NFC
INFRASTRUCTURE FOR M-PAYMENTS
Source: Finextra (02/24)
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Authorities in Singapore have outlined plans
to work with banks, telcos and payment processors
to set up an interoperable infrastructure
for contactless mobile transit and payments.
The move comes after the Infocomm Development
Authority of Singapore (IDA) set up a roundtable
in January 2008, bringing together 11 industry
players as well as government agencies to
look into establishing an infrastructure
for NFC services that works across telcos
and banks.
Roundtable participants - including MobileOne,
SingTel, StarHub, DBS, OCBC, UOB, BCS, EZ-Link,
NETS, MasterCard and Visa, as well as the
Ministry of Finance, Monetary Authority of
Singapore and Land Transport Authority -
have now agreed to collaborate on a system
through a Trusted Third Party (TTP) infrastructure.
The TTP is expected to be appointed by next
year and will act as a neutral party delivering
interoperability by providing a single point
of contact for all banks, payment providers
and telcos, helping eliminate the duplication
of infrastructure and satisfying the trust
requirements for payment services.
The IDA claims ubiquitous consumer access
will spur businesses to deploy NFC services.
The authority cites a study it commissioned
from Consult Hyperion which suggests a fully
interoperable NFC environment would generate
a market size approximately eight times that
of a non-interoperable environment.
It is estimated that in the early stage of
NFC adoption, the annual revenue from mobile
payments and advertising alone will amount
to S$60 million for Singapore.
The IDA suggests that as the technology matures,
NFC will be have an increasingly wide range
of uses, such as helping consumers redeem
e-coupons and even open doors by tapping
their phones on contactless readers. Businesses
can also create interactive posters that
come with integrated NFC-enabled chips to
allow for up-to-the-minute or customised
information to customers.
Ronnie Tay, CEO, IDA, says: "NFC offers
tremendous potential because of the many
services it can bring to consumers. To realise
its fullest potential, IDA sees interoperability
as a key success factor for NFC and is pleased
that all the NFC Roundtable members share
the same conviction."
MasterCard Canada and Visa Canada are members
of ACT Canada; please visit http://www.mastercard.ca & http://www.visa.ca.
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12. NO SLOWING DOWN FOR 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 AND GEMALTO SIGN CARD SUPPLY AGREEMENT
FOR NEW PHASE OF SAUDI ARABIA NATIONAL ID
CARD PROGRAM
Source: LaserCard Corporation (02/26)
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LaserCard Corporation announced the execution
of a Card Supply Agreement with Gemalto for
the supply of chip-ready optical memory cards
for issuance as Saudi Arabian National ID
Cards.
The agreement, valued at approximately $6
million, marks the start of a new phase of
the program where card issuance is expected
to migrate from the regions of Saudi Arabia
to a new centralized personalization facility
in the Kingdom's capital city, Riyadh. Gemalto
previously supplied and installed the centralized
card personalization system in Riyadh and
is responsible for processing the optical
cards to embed a Gemalto supplied contact
chip.
The agreement calls for purchase order releases
for shipments beginning immediately and continuing
through December 2009. LaserCard anticipates
combined deliveries this calendar year of
$11.2 million of Saudi Arabian National ID
Cards for this and a previously announced
contract.
Gemalto & LaserCard are members of ACT
Canada; please visit http//www.gemalto.com & http://www.lasercard.com.
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14. OUTSOURCED GIFT CARDS 'A RETAIL OPPORTUNITY'
Source: The Wise Marketer (02/06) |
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Gift cards represent a big opportunity during
the recession for the UK's retailers, despite
often being seen as an expensive investment
in revenue generation and marketing, according
to Rohit Patni from gift card solutions provider
YESpay.
Patni explained that retailers can already
invest in gift card technology with minimal
capital investment and still gain useful
insights into customer behaviour by outsourcing
these solutions. For example, they can adopt
online merchant gift card solutions that
enable them to issue, load, and accept closed-loop
gift card payments within their own retail
environment. These require little capital
investment and have low ongoing service costs.
While large retailers can often easily identify
and understand their customers, small businesses
find it more difficult to not only know who
their customers are, but to find out about
their spending habits. However, the adoption
of an outsourced gift card programme can
provide smaller merchants with the ability
to assess the shopping patterns of their
customers, allowing them to subsequently
target the right customers for special offers
and promotions.
Gift cards provide an effective way to encourage
customers to come back, helping to build
brand loyalty along the way. According to
YESpay, electronic gift cards also tend to
have a higher perceived value among consumers
than paper vouchers or cash incentives, and
they can often help to increase store footfall
and impulse purchase behaviour.
Moreover, gift cards can also give retailers
an extra chance to interact with customers
and build a stronger ongoing relationship,
by giving regular shoppers the chance to
top-up their balance online, or transfer
value from one card to another.
Finally, the integration of transaction handling
across channels (i.e. at the point of sale,
on the web site, and at in-store kiosks)
means that the same gift card can be used
in all areas of the retail operation, providing
an easier and more consistent overall customer
experience.
YESPay is a member of ACT Canada; please
visit http://www.yes-pay.com.
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| 15. NAB TO EXPLORE COMMERCIALIZATION OF M-PAYMENTS
AFTER TRIAL SHOWS STRONG CONSUMER SUPPORT
- 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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| ACT Canada is the stakeholder association,
focused on secure payment, secure identity
management and other advanced applications.
Now in our 20th year, we are the authority
on the Canadian market, supporting our members
through working with key stakeholders. We
help members understand the market, public
and private sector applications and potential
barriers. We facilitate knowledge transfer
and thought leadership through a neutral
forum, while expanding our members' networks.
Founded in 1989, ACT Canada is a non-profit
membership association. 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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