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September 29, 2009 |
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Welcome to the September 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. ACT Canada Announces New Board Of Directors
3. Oberthur Technologies
To Provide Contactless
Transit Cards For Montreal's
Public Transport
System
4. Interac And Pulse Collaborate
To Provide
Cash Access In Canada For
Diners Club, Discover
And Pulse Cardholders
5. 'Alternative' NFC Devices Face Price,
Distribution Challenges: Report - Members Only
6. CPI Card Group Receives
EMV Certification
7. Dynamic Card Solutions
Announces Partnership
With Threshold Financial
Technologies To
Deliver EMV Solutions In
Canada
8. EMV Prospects For U.S. Appear Brighter,
Card Group Says - Members Only
9. Canadian Tire Financial
Services Launches
Innovative New MasterCard
Card
10. Starbucks Test Of Mfoundry System A Mobile-Pay
Boost - Members Only
11. 'You'll Find It All'
At Jean Coutu And
Check-Out Faster With Visa
payWave
12. Transportation Security
Administration
Awards CSC Contract For
It Infrastructure
Services
13. Gemalto's Trusted Services
Management
Solution Certified By MasterCard
14. NFC Mobile Payments To Exceed $30bn By
2012, Supported By Revenues From Mobile Coupons
And Smart Posters - Members Only
15. France Awards Grants
For NFC Projects
16. INSIDE Supplies Mobinear
With Key NFC
Technology
17. Former ACT Canada Director
Named New
Ombudsman For Banking Services
And Investments
ACT Canada Partners:
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.
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
TD Canada Trust ~ member
since 1996
GENERAL
Acsys/Interac Association
~ member since
1995
American Express ~ member
since 2008
LoyaltyOne ~ member since
2008
GOVERNMENT
Canada Post ~ member since
2008
SME
A LA CARD ~ member since
2004
Carta Solutions ~ member
since 2007
ASSOCIATE
FlexCard ~ member since
2008
Mike Vaselenack ~ new member
PJE Consulting ~ member
since 2005
CALENDAR OF EVENTS:
Cardware 09 Government
Insights
October 14, 2009
Hellenic Centre, Ottawa,
ON, Canada
http://www.actcda.com
Smart Card Alliance 8th
Annual Smart Cards
in Government Conference
2009
October 27-30, 2009
Washington, DC, USA
http://www.smartcardalliance.org
CARTES & IDentification
2009
November 17-19, 2008
Paris, France
http://www.cartes.com
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1. EDITORIAL COMMENT
Source: Catherine Johnston, President &
CEO, ACT Canada (09/29) |
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Tipping Points for Identity Management and
Secure Payment
Four years ago this
month, I wrote about
tipping points related
to secure payment.
I noted that Visa
Canada had provided
the
first with their
announced commitment
to
EMV and that the
second was increased
stakeholder
interest and activity.
Today we have more
than 10 million highly
secure credit and
debit cards in the
Canadian market,
with
more rolling out
daily. Financial
institutions
are increasing security
for their customers,
and providing a platform
for new services
and conveniences.
Merchants, consumer
advocates,
regulators and law
enforcement have
all be
key stakeholders
in the process. To
bring
these groups together
on behalf of Canadians
is a remarkable accomplishment
that should
be noted and applauded.
So what about secure
identity management?
In September 2005
the editorial also
said,
"Governments
face the same situation;
the need to increase
Canadians' security
and the desire to
provide enhanced
service
delivery. As with
the financial sector,
it
starts with a great
deal of background
work
and planning before
any announcements
are
made. We see work
being done that could
lead
to announcements
- the first tipping
point
for governments.
The question we must
ask
is what can we do
to support and accelerate
those moves?"
This summer the Government
of Canada issued
a Directive on Identity
Management. In order
to fulfill the directive,
federal government
departments will
have to follow a
path similar
to the one that Canadian
financial institutions
forged to deliver
secure payment. It
will
make sense for provincial
governments to
do likewise.
There is a need to
accelerate a move
to secure
identity management,
because fraud always
looks for the weak
spot. As payment
security
increases, identity
will become an increasingly
attractive vulnerability.
We can help by
bringing stakeholders
to the table, sharing
information and best
practices. ACT Canada
takes a non-partisan
approach to all issues
and facilitates cooperation
among and between
all stakeholder groups.
On October 14th we
invite senior bureaucrats
to join us in Ottawa
for a peer workshop
on secure identity
management. If you
are
a federal or provincial
bureaucrat working
on identity management
files, please contact
us at Catherine@actcda.com
for an invitation.
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2. ACT CANADA ANNOUNCES NEW BOARD OF DIRECTORS
Source: ACT Canada (09/29) |
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Following ACT Canada's Annual General Meeting
on September 21st, we are
pleased to announce
the following Directors
have been acclaimed
to the Board:
- Nino Di Teodoro, Vice President, Internet
& Emerging Technologies, Citi Cards Canada
Inc. - elected as Treasurer
- Sharon Fisk, Director, Business Innovation
& Support, ATB Financial
- Catherine Johnston, President & CEO,
ACT Canada
- Sharon MacAlpine, Vice President - Strategy
& Development, HSBC Credit Card Services
- elected as Vice-Chair
- Susan Reynolds, Director, Business Services,
Coinamatic Canada Inc. - elected as Corporate
Secretary
- Didier Serra, General Manager & EVP Sales
Americas, INSIDE Contactless
- Allen Wright, Vice President, Product Management,
Interac Association
- Paul Zatychec, Director, EWA-Canada Ltd -
elected as Chair
We congratulate all of our Directors and
look forward to working with them in the
coming year.
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3. OBERTHUR TECHNOLOGIES TO PROVIDE CONTACTLESS
TRANSIT CARDS FOR MONTREAL'S PUBLIC TRANSPORT
SYSTEM
Source: PRNewswire (09/24)
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Oberthur Technologies has been selected by
STM (Societe de Transport de Montreal) to
supply contactless cards for use throughout
the Montreal region's public transport network.
As the sole supplier to
STM, Oberthur Technologies
will deliver the e-ticketing
smart cards
over the next four years,
which can be used
on buses, the subway and
commuter trains
throughout the Greater
Montreal area and
Quebec City, and can be
recharged at automated
fare vending machines or
points of sale.
Made of highly durable
PET-F plastic, the
card is fully compliant
with the Calypso(TM)
international e-ticketing
standard for smart
cards and provides both
a contact and contactless
interface.
Oberthur Technologies is a member of ACT
Canada; please visit http://www.oberthurtechnologies.com.
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4. INTERAC AND PULSE COLLABORATE TO PROVIDE
CASH ACCESS IN CANADA FOR DINERS CLUB, DISCOVER
AND PULSE CARDHOLDERS
Source: Interac (08/31)
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INTERAC and PULSE today announced an agreement
to provide Diners Club, Discover and PULSE
cardholders the ability to withdraw money
from ABMs of participating Acquirers in Canada.
"The agreement
with PULSE builds
on
INTERAC's commitment
to expand international
use of the payment
network through relationships
with other networks,"
said Mark O'Connell,
President and CEO,
Acxsys Corporation,
architects
of the INTERAC network.
Similar to INTERAC's
Cross Border service,
the PULSE and INTERAC
connection eliminates
network setup and
ongoing costs for
Canadian
Acquirers.
PULSE, one of the
largest ATM/debit
networks
in the United States,
is part of Discover
Financial Services.
The relationship
with
PULSE is expected
to drive incremental
transaction
volume for Canadian
Acquirers.
"This collaboration
demonstrates our
commitment to serving
the needs of our
clients
by bringing them
innovative services
to support
and grow their businesses,"
said O'Connell.
"The agreement
will allow Canadian
Acquirers
to evolve their ABM
service offerings
by
extending their services
to additional cardholders
travelling in Canada."
Access to the service
was initiated for
Diners
Club cards in July.
ABM acceptance for
Discover
and PULSE cards on
the INTERAC network
is
scheduled for October
2009.
Interac Association is a member of ACT Canada;
please visit http://www.interac.ca.
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5. 'ALTERNATIVE' NFC DEVICES FACE PRICE, DISTRIBUTION
CHALLENGES - 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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6. CPI CARD GROUP RECEIVES EMV CERTIFICATION
Source: ICMA Industry News (09/16)
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CPI Card Group announced that its Canadian
facility has been certified by Visa and Interac
to manufacture and personalize EMV financial
cards.
This latest certification
adds to the existing
MasterCard certification
achieved by the
Toronto location.
"We're pleased
that CPI has met
all
of the Interac Association
requirements to
perform the function
of a Card Personalization
Bureau to support
EMV chip card services
for Interac Association
members," says
Allen Wright, VP,
Product Management,
Interac
Association.
"We are passionate
about supporting
all our customers
with innovative and
flexible
card products and
services to help
them better
compete in the marketplace.
We are ushering
in a flexible and
open platform technology
that gives our financial
institutions choices
for their EMV solution,"
says Anna Rossetti,
President of the
Canadian facility.
CPI provides end-to-end
solutions from manufacturing
to data preparation,
personalization and
fulfillment of cards
at their Toronto
location.
CPI serves the financial
services, government,
and commercial markets,
including the gift,
loyalty and membership;
telecommunications;
insurance and entertainment
market segments
of the commercial
market.
CPI Card Group, Interac
Association, MasterCard
Canada & Visa
Canada are members
of ACT
Canada; please visit
http://www.cpicardgroup.com; http://www.interac.ca; http://www.mastercard.ca & http://www.visa.ca.
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7. DYNAMIC CARD SOLUTIONS ANNOUNCES PARTNERSHIP
WITH THRESHOLD FINANCIAL TECHNOLOGIES TO
DELIVER EMV SOLUTIONS IN CANADA
Source: Dynamic Card Solutions (09/28)
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CDynamic Card Solutions announced a partnership
with Threshold Financial Technologies Inc.
to offer financial institutions a comprehensive
EMV PIN change and card issuance solution
using DCS' patented CardWizardŽ software.
Threshold provides
payment processing,
fully
managed ATM and card
issuing solutions
to
over 65 financial
institutions throughout
Canada. The partnership
between Threshold
and DCS means Threshold's
card issuing clients
can transition from
magnetic stripe cards
to Chip and PIN cards,
offering their cardholders
convenient in-branch
PIN selection, PIN
change
and instantly personalized
chip cards. This
is the first major
in-branch EMV card
issuance
and PIN management
initiative of its
kind
in Canada, potentially
reaching several
hundred
branch locations.
Threshold's issuers
can enable their
cardholders
to select or change
the PIN when the
card
is first issued or
anytime thereafter
by
simply visiting a
branch location.
Additional
benefits include
the ability to immediately
replace lost or stolen
cards on the spot.
DCS' CardWizard software
can fully personalize
cards, program the
chip, encode the
magnetic
stripe, and print
or emboss cardholder
details
in real time, and
can optionally activate
the card for immediate
usage. In-branch
card
issuing and PIN management
eliminates the
cost, risk and delay
associated with the
traditional PIN mailer
and card delivery
methods. CardWizard
complies with issuing
guidelines from numerous
card brands including
Interac, VISA and
MasterCard.
In other news, Dynamic
Card Solutions announced
the appointment of
Guy Berg as director
of
advanced payment
technologies. In
this role,
Berg will help lead
product development
of
DCS' smart card instant
issuance and PIN
change solutions.
(09/22)
Dynamic Card Solutions, Interac Association,
MasterCard Canada, Threshold Financial Technologies
& Visa Canada are members of ACT Canada;
please visit http://www.instantissuance.com; http://www.interac.ca; http://www.mastercard.ca; http://www.threshold-fti.com & http://www.visa.ca.
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| 8. EMV PROSPECTS FOR U.S. APPEAR BRIGHTER- 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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9. CANADIAN TIRE FINANCIAL SERVICES LAUNCHES
INNOVATIVE NEW MASTERCARD CARD
Source: Canadian Tire (09/29) |
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Canadian Tire Financial Services and MasterCard
Worldwide are introducing a uniquely shaped
credit card with contactless technology featuring
cash back rewards, tailored to young professionals.
The new Canadian Tire Curve MasterCard with
the PayPass feature has no annual fee, offers
valuable cash rewards on new purchases made
at more than 29 million merchants around
the world.
"The Curve MasterCard offers our customers
cash back rewards and lots of flexibility
at a time of life when they really need it,"
says Jim Kozack, vice president, Marketing,
Canadian Tire Financial Services Limited.
"The card's fun, distinct shape is merged
with secure contactless PayPass technology
delivered by Giesecke & Devrient and
is the first of its kind in Canada,"
commented Willis Morettin, senior vice president
Sales & Marketing, Giesecke & Devrient
Canada. "We are proud to play our part
in delivering cutting-edge technology that
is both remarkable and relevant."
Canadian Tire; Giesecke & Devrient and
MasterCard Canada are members of ACT Canada;
please visit http://www.ctfs.com; http://www.gi-de.com & http://www.mastercard.ca.
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| 10. STARBUCKS TEST OF MFOUNDRY SYSTEM A MOBILE-PAY
BOOST - 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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11. 'YOU'LL FIND IT ALL' AT JEAN COUTU AND
CHECK-OUT FASTER WITH VISA PAYWAVE
Source: Visa (09/29)
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Visa Inc. announced in Canada that The Jean
Coutu Group, one of Canada's leading drugstore
chains, is the latest retailer to offer its
customers the speed and convenience of Visa
payWave(TM) contactless payments. With Visa
payWave, customers can simply "wave
and go" when purchasing everyday items
like the high quality health, hygiene and
beauty products found in Jean Coutu stores.
Jean Coutu locations in Canada will be equipped
with Visa payWave terminals to help increase
speed at the cash register, which is an important
feature in a busy drugstore.
The use of Visa payWave enabled Visa cards
and point-of-sale terminals in Canada is
closely aligned with Visa Canada's migration
to chip card technology. Visa employs a layered
approach to its fraud prevention efforts,
meaning both the payWave card and the terminal
have built-in measures to help heighten security
efforts.
Visa Canada is a member of ACT Canada; please
visit http://www.visa.ca.
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12. TRANSPORTATION SECURITY ADMINISTRATION AWARDS
CSC CONTRACT FOR IT INFRASTRUCTURE SERVICES
Source: CSC (09/28)
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CSC announced that the Transportation Security
Administration (TSA) awarded the company
a task order to support the Information Technology
Infrastructure Program (ITIP). The task order,
which falls under the Department of Homeland
Security (DHS) Enterprise Acquisition Gateway
for Leading Edge Solutions (EAGLE) contract,
has a one-year base period and four one-year
options with an estimated five-year contract
value of $493 million.
Under the terms of the task order agreement,
CSC will provide IT infrastructure services
in support of the TSA. The ITIP services
will support each of the TSA Office of Information
Technology divisions for IT security, solutions
delivery, business activities and operational
effectiveness throughout the nation, including
all U.S. airports.
The objective of the DHS EAGLE program is
to provide an acquisition vehicle for a full
range of IT services, technical and management
expertise and solution-related enabling products.
CSC is a member of ACT Canada; please visit
http://www.csc.com.
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13. GEMALTO'S TRUSTED SERVICES MANAGEMENT SOLUTION
CERTIFIED BY MASTERCARD
Source: Gemalto (09/17)
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Gemalto announced it has achieved MasterCard
certification for its TSM (Trusted Services
Management) offer. The achievement demonstrates
Gemalto's readiness for supporting commercial
launches of mobile contactless payment programs,
according to MasterCard's security requirements.
This certification immediately applies to
Gemalto's Taiwan-based data center and enables
the company to support financial institutions
in the deployment of their Near Field Communications
(NFC) services on mobile phones. NFC technology
is the wireless connectivity standard endorsed
by the industry for data transfer over the
mobile phone.
Gemalto's services allow for the secure deployment
and management of contactless mobile payment.
The certification establishes that MasterCard
recognizes and endorses the company's ability
to manage personal user information for banking
transactions. For financial institutions,
this is assurance that they can rollout their
payment services on mobile phones with the
highest level of security and data confidentiality.
"The role of the Trusted Services Manager
is to provide independent, secure channels
for service providers to conveniently engage
their customer base into the mobile world,"
added Tan Teck Lee, President of Gemalto
Asia. "It is a role built on security,
interoperability and trust, which facilitates
business between mobile network operators
and service providers. We are very proud
to receive this certification from MasterCard,
which acknowledges Gemalto's ability to fulfill
this role."
Gemalto and MasterCard Canada are members
of ACT Canada; please visit http://www.gemalto.com & http://www.mastercard.ca.
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| 14. NFC MOBILE PAYMENTS TO EXCEED $30BN BY 2012,
SUPPORTED BY REVENUES FROM MOBILE COUPONS
AND SMART POSTERS - 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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15. FRANCE AWARDS GRANTS FOR NFC PROJECTS
Source: CardLine Global (09/14) |
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France has awarded grants worth "several
million euros" for 13 projects involving
contactless technology, including Near Field
Communication, according to press reports
and a government statement. The grants were
announced by Christian Estrosi, France's
minister of industry and the mayor of Nice,
a city set to see "precommercial"
launches early next year of the short-range
wireless technology for contactless payments,
couponing and information downloads (CardLine
Global, 12 June). The exact amount of funding
was unclear Monday, and immediate comment
from the French government was not available.
The funding projects will include efforts
to bring NFC ticketing to the Nice area;
an effort backed by French card vendor Gemalto
to enable cafeteria payments and building
access for corporate employees; and an NFC
campus card project at the University of
Nice-Sophia Antipolis, according to United
Kingdom-based Near Field Communications World
and other sources. Transit agencies, retailers,
issuers, mobile-phone operators and other
organizations have conducted dozens of NFC
tests around the world, and some observers
expect the first large rollouts in 2010.
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16. INSIDE SUPPLIES MOBINEAR WITH KEY NFC TECHNOLOGY
Source: INSIDE Contactless (09/29) |
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INSIDE Contactless announced a technology
partnership to provide critical NFC technology
to MobiNear, a world-leading provider of
proximity mobile communications solutions.
Through this cooperation, INSIDE is providing
NFC reading capabilities to enhance the MobiNear
Box kiosk, which will now be able to let
people use their contactless transportation
cards and NFC-enabled mobile phones to access
MobiNear's PayGO platform for a broad range
of payment, loyalty, access control and identification
services.
"The MobiNear Box kiosk is our first
solution to include NFC in addition to Bluetooth,
BlueNFC and Wi-Fi interfaces, and we chose
to work with INSIDE because they are the
world leader in NFC technology," said
Christian Chabrerie, founder and CEO of MobiNear.
"INSIDE's NFC reader module provided
a turnkey solution we were able to easily
integrate into our MobiNear Box. This significantly
reduced the development time and cost required
to add NFC capabilities to our platform."
INSIDE's NFC reader module is a low-cost,
low-power, multi-standard, 13.56-MHz proximity
contactless coupler with a small, optimized
footprint that makes it easy to incorporate
into small devices to provide contactless
capability. It is compatible with ISO 14443
A/B/B' and ISO 15693 protocols, and compliant
with the Sony FeliCa protocol.
INSIDE Contactless is a member of ACT Canada;
please visit http://www.insidecontactless.com.
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17. FORMER ACT CANADA DIRECTOR NAMED NEW OMBUDSMAN
FOR BANKING SERVICES AND INVESTMENTS
Source: ACT Canada (09/28) |
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Dr. Peggy-Anne Brown, Chair of the Board
of Directors of OBSI, has announced the appointment
of Douglas Melville as Ombudsman and CEO
effective August 25, 2009.
Mr. Melville joined OBSI in early 2006 as
Senior Deputy Ombudsman for Banking Services.
Prior to this he held increasingly senior
positions in the financial industry and was
engaged in public and government sector projects
in Canada and overseas as a policy analyst
and consultant. He holds a B.A. from Carleton
University, a law degree and an MBA from
the University of Western Ontario, and a
Master of Laws from Osgoode Hall Law School
at York University. He has served on the
boards of numerous financial industry bodies
and not-for-profit organizations in the fields
of anti-poverty policy and financial literacy,
international development, and the performing
arts.
As the Senior Deputy Ombudsman, Mr. Melville
has presented at Cardware 08 and Cardware
09 for the financial sector. Catherine Johnston,
President & CEO of ACT Canada reacted
to the appointment, "This is a most
relevant choice. Not only has Doug demonstrated
his qualifications during his time at OBSI,
he has an excellent understanding of emerging
payments activities and technologies. This
will serve all stakeholders well."
OBSI is a member of ACT Canada; please visit
http://www.obsi.ca.
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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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