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November 30, 2009 |
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Welcome to the November/December 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. Government of Canada
Introduces Proposed
Code of Conduct for Canadian
Credit and Debit
Card Industry
3. Scotiabank Partners
With M-Com to Bring
Mobile Banking To Canadians
4. MasterCard Canada Brings
PayPass(TM) Payments
to BlackBerry Smartphones
5. 1 In 6 Mobile Subscribers
To Own NFC-Enabled
Handsets By 2014 - Members
Only
6. Hypercom Delivers Unified
EMV Level 2
Implementation Across Optimum
and Artema
Product Platforms
7. Cellphone Sticker For
Contactless Payments
8. Oberthur Technologies
Launches Smart Lumiere
Light-Emitting Payment
Card
9. Organisations Collaborate
To Launch Cross
Industry Certification
Model For Smart Cards
With Post Issuance Functionality
10. Gartner Identifies
The Top 10 Consumer
Mobile Applications For
2012 - Members Only
11. Gemalto Launches Electronic
European
Residence Permit in Portugal
12. Threshold Financial
Technologies Provides
Critical Processing Services
to ATB Financial
13. FIME Is Now Referenced
By The AFSCM For
The Validation Of Mobile
NFC Applications
For The "Nice, NFC
City" Project
14. Panel Calls For National
ID Vetting Standards
- Members Only
15. STJ Retail Joins ACT
Canada
16. Introducing Convego
- The New Umbrella
Brand Name For Payment
Solutions From Giesecke
& Devrient
17. Jersey Post Adopt First
Self-Service
Postal Kiosks In Europe
With YESpay And Fujitsu
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
Scotiabank ~ member since 1997
GENERAL
Canadian Payments Association ~ member since
1998
IBM Canada ~ rejoined
STJ Retail ~ new member
SME
CanCard ~ member since 2008
ASSOCIATE
Smart Strategies ~ new member
CALENDAR OF EVENTS:
ACT Canada presents Cardware 2010: Payment
Insights
June 22-23, 2010
Sheraton Fallsview, Niagara Falls, ON, Canada
50% of the booth space
is now reserved
Visit http://www.actcda.com/calendar.html
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1. EDITORIAL COMMENT
Source: Catherine Johnston, President &
CEO, ACT Canada (11/26) |
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Wisdom
This is the last
editorial for the
year and
certainly not the
one I thought I might
have
to write as we started
the year. 2009 started
with a great deal
of concern for many
of
our members, but
the association was
cautiously
optimistic.
As it turned out,
the Canadian market
saw
both challenges and
progress, but for
ACT
Canada it was our
best of 20 years.
This
was because our members
turned to us to help
them overcome many
of their challenges,
using
our services in new
ways.
It has been an exhausting,
but satisfying
year as these new
activities were in
addition
to all our normal
programs.
So what do we see
for 2010 - the year
of
the liability shift
in secure payment?
And
what will we see
in secure identity
management
and cyber security?
Many issuers will
find a solution to
their
PIN Management situation.
Issuers in general
will start to look
at the complexities
and
possibilities of
multi-application
cards.
The debate between
NFC and mobile payment
will continue throughout
the year, with stickers
and trusted service
managers at the heart
of the debate. Cross
border fraud will
continue
to plague Canadian
issuers.
Many merchants will
struggle to meet
the
shift date and US
merchants will look
to
their Canadian counterparts
for information.
Acquirers will have
their hands full
helping
merchants.
Perhaps the most
interesting thing
in the
secure payment space
is the number of
non-bank
players who are planning
to launch products
and services to leverage
the EMV infrastructure.
In the secure identity
management and cyber
security area we
see many well intentioned
people and organizations,
but will 2010 provide
a mechanism for them
to work together
to
deal with escalating
threats?
And for ACT Canada
- we will continue
to
bring stakeholders
together in both
these
areas, for the benefit
of our members.
For 2010, I wish
you a prosperous
year, one
full of wise choices.
And as this year
passes
and you look back,
I hope that you have
been
in a position to
make choices that
support
your long term prosperity.
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2. GOVERNMENT OF CANADA INTRODUCES PROPOSED
CODE OF CONDUCT FOR CANADIAN CREDIT AND DEBIT
CARD INDUSTRY
Source: Department of Finance (11/19) |
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The Honourable Jim Flaherty, Minister of
Finance, released for public consultations
a proposed Code of Conduct for the Credit
and Debit Card Industry in Canada.
"This proposed Code
is intended to promote
fair business practices
and ensure merchants
and consumers clearly understand
the costs
and benefits of credit
and debit cards,"
said Minister Flaherty.
The proposed Code of Conduct
released today
is based on ongoing discussions
with merchant
and consumer associations
across Canada.
Once adopted, the proposed
Code would respond
to their views by:
- Ensuring that merchants
are fully aware
of the costs associated
with accepting credit
and debit card payments.
- Providing merchants with
increased pricing
flexibility to encourage
consumers to choose
the lowest-cost payment
option.
- Allowing merchants to
freely choose which
payment options they will
accept.
The proposed Code of Conduct
is being circulated
for a 60-day comment period.
During this
period, stakeholders are
invited to submit
their views on how best
to monitor compliance
with the proposed Code.
Comments can be submitted
to codeconsult@fin.gc.ca.
The recently released credit
card regulations
complement this initiative
in protecting
credit card users by making
clearer and more
transparent information
available to them.
Additional details can
be found at http://www.fin.gc.ca/n08/data/09-109_1-eng.asp
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3. SCOTIABANK PARTNERS WITH M-COM TO BRING MOBILE
BANKING TO CANADIANS
Source: Canada Newswire (11/24)
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Scotiabank announced a new partnership with
M-Com, an international mobile banking and
payments solution provider, that will bring
mobile banking to Scotiabank customers in
the spring of 2010.
"With more than 22
million cell phone
subscribers in Canada,
wireless phones are
among the fastest growing
consumer products
in history*," said
Mike Henry, Senior
Vice-President, Sales &
Service, Scotiabank.
"Canadians rely on
the convenience of
mobile devices to help
them manage their
busy lifestyles, and having
the ability to
do their banking from their
mobile devices
will simplify their lives
that much more.
Scotiabank's mobile banking
service will
provide personal and small
business customers
with easy access to their
Scotiabank accounts
from their mobile device,
regardless of their
mobile service provider.
Customers will be
able to view balances and
transaction history,
pay bills and make transfers.
Scotiabank is a member
of ACT Canada; please
visit http://www.scotiabank.com.
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4. MASTERCARD CANADA BRINGS PAYPASS(TM) PAYMENTS
TO BLACKBERRY SMARTPHONES
Source: Canada Newswire (11/26)
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n partnership with BMO Bank of Montreal and
Research In Motion, MasterCard Canada is
bringing mobile payments to BlackBerry(R)
smartphones through its MasterCard(R) PayPass(TM)
'tap and go' contactless payment technology.
The four-month trial brings contactless payments
via mobile devices a step closer to Canadians.
In this trial, participants
will use PayPass(TM)
Mobile Tag-equipped
BlackBerry smartphones
to make secure purchases
at any of the 8,500
merchant locations
in Canada that accept
MasterCard PayPass.
For the first time,
the mobile payment
will
integrate with the
device, with a confirmation
email of each transaction
sent to the BlackBerry
smartphone, including
purchase details
such
as the amount, retailer
and date of transaction.
The mobile payments
in this trial are
made
possible through
a PayPass Mobile
Tag, a
self-adhesive device
that may be attached
to a BlackBerry smartphone
to add MasterCard
PayPass contactless
payment capability.
The
Mobile Tag contains
the same chip and
antenna
found in a regular
PayPass card, with
the
addition of special
material to reduce
interference
between the Mobile
Tag and the phone
to which
it is attached.
MasterCard Canada
is a member of ACT
Canada;
please visit http://www.mastercard.ca.
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5. 1 IN 6 MOBILE SUBSCRIBERS TO OWN NFC-ENABLED
HANDSETS BY 2014 - 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. HYPERCOM DELIVERS UNIFIED EMV LEVEL 2
IMPLEMENTATION ACROSS OPTIMUM AND ARTEMA
PRODUCT PLATFORMS
Source: Hypercom (11/17 & 11/16)
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Hypercom Corporation announced that it is
now delivering a common, unified EMV Level
2 implementation across its major product
lines. Effective immediately, the company's
Optimum and Artema product platforms, both
of which are EMV 4.2a Level 2 type approved,
are using the exact same software kernel.
The implementation includes Optimum and Artema
countertop, mobile and unattended terminals.
This initiative ensures a consistent user
experience globally using these newly certified
products with faster certification, streamlined
application development and quicker time
to market.
In other Hypercom
news, Hypercom Corp.
announced
it has been awarded
the prestigious Sesame
Award at Cartes 2009
for its HyperSafe
Remote
Key System (HRKS).
Hypercom's Remote
Key System is the
industry's
first standards-based
remote key injection
product that allows
retailers to quickly
and securely initiate
on-site, in-store
payment
terminal key injection
at the point-of-sale.
The system offers
a fast and highly
secure
alternative to the
industry's traditional
secure room key injection
process.
Hypercom is a member
of ACT Canada; please
visit http://www.hypercom.com.
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7. CELLPHONE STICKER FOR CONTACTLESS PAYMENTS
Source: Giesecke & Devrient (11/09)
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Giesecke & Devrient (G&D) is providing
a completely new form factor for debit cards.
Convego® Air Mobile is a sticker which enables
the user to pay contactlessly. The sticker
contains the full functionality of a credit
or debit card. Once the thin and pliable
foil has been affixed to a cellphone or PDA
the device can be used to pay bills at all
cash terminals and ticket machines supporting
the worldwide contactless MasterCard PayPass
standard. The pay sticker is an important
transitional technology on the way to contactless
payment transactions by cellphone.
The G&D payment
sticker is certified
for MasterCard PayPass
and can be used on
all payment terminals
which support contactless
payment using MasterCard
PayPass. Convego
Air Mobile is already
being used in several
pilot projects by
various banks in
Europe
and North America.
Giesecke & Devrient
is a member of ACT
Canada; please visit
http://www.gi-de.com.
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8. OBERTHUR TECHNOLOGIES LAUNCHES SMART LUMIERE
LIGHT-EMITTING
PAYMENT CARD
Source: The Paypers (11/06)
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Oberthur Technologies has rolled out the
Smart Lumiere light-emitting contactless
card. The card is available both in dual
contactless EMV and in pure contactless configuration.
Smart Lumiere emits light when it is entered
in the field of a contactless reader in order
to inform the cardholder when a transaction
is taking place.
Smart Lumiere
comprises a
translucent plastic
core, antenna
and illuminating
light apparatus
and is compliant
with the ISO
14443 dual
interface contactless
payment standards.
For the cardholder,
Smart Lumiere
provides
a visual cue
to the cardholder
that their
contactless
payment transaction
has taken
place, thus
assisting issuers
in reinforcing
trust in contactless
technology
as a secure,
convenient
and rapid way
to pay.
Oberthur Technologies is a member of ACT
Canada; please visit http://www.oberthur.com.
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9. ORGANISATIONS COLLABORATE TO LAUNCH CROSS
INDUSTRY CERTIFICATION MODEL FOR SMART CARDS
WITH POST ISSUANCE FUNCTIONALITY
Source: Mobile Europe (11/24) |
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EMVCo, GlobalPlatform and the GSM Association
(GSMA) have announced plans to develop a
common, cross-industry certification model
for secure elements with post-issuance capabilities.
The aim is to simplify and speed up testing
processes for pre-certified applications
and certified UICC platforms, when they are
redeployed.
The EMV standards body EMVCo, the international
smart card infrastructure body GlobalPlatform,
and global telecoms association the GSMA,
have agreed to work together to define functional
and security requirements for a common certification
process. The resulting document will enable
Mobile Network Operators (MNOs) and the payments
industry to develop cross-industry certification
schemes, for mobile platforms and payments
applications respectively.
When fully developed and operational, the
schemes will work together to ensure that
any certified payment application will work
with any certified UICC platform, reducing
the incidence of certification failures when
new application/platform combinations are
subsequently added for testing.
The result will be significantly reduced
testing and development costs and a faster
time to market, it is claimed. Also, no further
certifications will be necessary when loading
applications with less stringent security
requirements onto new UICC platforms.
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| 10. GARTNER IDENTIFIES THE TOP 10 CONSUMER
MOBILE APPLICATIONS FOR 2012 - 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. GEMALTO LAUNCHES ELECTRONIC EUROPEAN
RESIDENCE PERMIT IN PORTUGAL
Source: ICMA Industry News (11/11)
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Gemalto announced that Imprensa Nacional-Casa
da Moeda (INCM), the Portuguese Mint and
National Printing Office, has started issuing
its Sealys Resident cards, compliant with
the electronic European Residence Permit
(eERP) specifications and the latest ICAO
Extended Access Control standards. Gemalto
is delivering 150,000 cards per year as of
2009 and over the next two years and supplied
INCM with its Coesys Issuance personalization
solution. The smart card permits dramatically
improve document security and by deploying
them, Portugal is fulfilling the European
Union (EU) recommendation that requires all
27 Member States to roll out the eERP in
2010.
The electronic European Residence Permit
card provides temporary residence entitlement
for non-EU citizens for any stay over three
months, and for some shorter work-related
stays. It embeds a contactless chip which
securely stores facial image and two fingerprints,
simplifying residency entitlement verification.
As defined in the eERP specifications, the
contactless interface is mandatory and meets
the same EU standards as biometric e-passports
do. The permit also stores id-numbers such
as social security and taxpayer identifiers.
Gemalto is a member of ACT Canada; please
visit http://www.gemalto.com.
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12. THRESHOLD FINANCIAL TECHNOLOGIES PROVIDES
CRITICAL PROCESSING SERVICES TO ATB FINANCIAL
Source: Threshold (11/24)
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Threshold Financial Technologies Inc. (Threshold)
is pleased to announce that it has been contracted
to provide multi-faceted transaction processing
services to Alberta-based ATB Financial (ATB).
Threshold has completed the first phase of
the project which entails driving ATB's ATM
network, and providing transaction processing
for all their ATM transactions. The second
phase will involve Threshold providing enterprise
card management and issuer processing services,
including EMV processing. In addition, Threshold
has been engaged to handle all ATM hardware
and software maintenance support services
for ATB's network.
With a network of more than 240 ATMs and
more than 660,000 customers, ATB is the largest
Alberta-based financial institution. Threshold
is one of Canada's largest providers of ATM
management and transaction processing services,
offering unique solutions designed specifically
for Canadian financial institutions.
ATB Financial and Threshold Financial Technologies
Inc. are member of ACT Canada; please visit
http://www.atb.com & http://www.threshold-fti.com.
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13. FIME IS NOW REFERENCED BY THE AFSCM FOR THE
VALIDATION OF MOBILE NFC APPLICATIONS (CARDLETS
AND MIDLETS) FOR THE "NICE, NFC CITY"
PROJECT
Source: : FIME (11/17)
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FIME is now recognised by the AFSCM (The
French Association for Mobile Contactless
technology) as an independent entity for
the validation of mobile NFC applications.
"FIME is showcasing our unique approach
to NFC service providers for the city of
Nice thanks to our skills that are twofold:
a real strength is our expert knowledge in
the process of validation tests and the expertise
of an ITSEF lab. This reference is the crowning
achievement in a year where FIME has substantially
developed in the NFC domain. It brings our
functional and security evaluation offers
even closer together''.said Vincent POTY,
Head of Strategy and Corporate Development
for FIME.
The first stage of the ''Nice, NFC City''
project will see mobile operators providing
equipment to at least 3000 clients, starting
in 2010. These clients will be able to load
and validate public transport tickets supplied
by the Urban Community and used on the network
operated by Veolia. This is made possible
thanks to an initial operational deployment
in Europe of a new generation of mobile phones
and SIM cards known as ''contactless''. This
means they are used as a secure element that
stocks contactless services. Nice will be
the first city in Europe to benefit from
this technology.
This project is the fruit of several initiatives
that aim to allow each one of us to use a
mobile telephone to interact with our environment
thanks to NFC. This contactless technology
(Near Field Communication) is already the
basis of services that have been successfully
launched in Asia, notably in Japan (since
2004) and in South Korea.
FIME is a member of ACT Canada; please visit
http://www.fime.com.
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| 14. PANEL CALLS FOR NATIONAL ID VETTING STANDARDS
- 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. STJ RETAIL JOINS ACT CANADA
Source: STJ Retail (11/11) |
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STJ Retail, a leader in integrated retail
payments solutions, announced that they have
joined ACT Canada giving them general level
member status. ACT Canada is internationally
recognized as a reliable source of information
on secure payment, secure identity management
and advanced card technologies and applications,
and is an authority on the Canadian marketplace.
"We believe that ACT Canada is a neutral
forum for consumers, merchants and the media
to learn about the Canadian payment marketplace
and offers independent advice and insight
to all stakeholders," said Dave Mahr,
VP Sales & Marketing for STJ Retail.
"We are looking forward to working with
the executive team from ACT, as well as the
other member organizations to assist in providing
retailers with the guidance they require."
STJ Retail has a fully integrated EMV solution,
across three card schemes (Visa, MasterCard
and American Express), Interac and contactless.
This solution is certified and has been in
production for over a year. Several tier
1 retailers have chosen STJ's solution, EFT
Plus™ to address Canadian EMV compliance.
"I am pleased to have STJ Retail join
our association," said Catherine Johnson,
President & CEO of ACT Canada. "They
have spent a great deal of time educating
retailers on payment card technologies and
I believe strongly that their knowledge,
perspective and enthusiasm will be a great
addition to our membership."
STJ Retail is a member of ACT Canada; please
visit http://www.stjretail.com.
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16. . INTRODUCING CONVEGO - THE NEW UMBRELLA
BRAND NAME FOR PAYMENT SOLUTIONS FROM GIESECKE
& DEVRIENT
Source: : ICMA Industry News (11/19) |
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Giesecke & Devrient (G&D) is consolidating
its Payment division's complete portfolio
of products, systems and services under the
international umbrella brand name Convego
with immediate effect. This transition to
a consistent nomenclature will give the company
a more coherent market presence. The new
Convego product family was unveiled at the
CARTES international trade show in Paris
(November 17-19, 2009).
The Convego umbrella brand covers all the
product lines in G&D's payment portfolio.
Convego Factors, for example, refers to card
bodies in all their various forms, while
Convego Air groups together all the products
that allow a user to make payments using
contactless technology. The Convego System
and Convego Service product lines encompass
the systems and solutions provided by G&D's
Payment division.
Giesecke & Devrient is a member of ACT
Canada; please visit http://www.gi-de.com.
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17. JERSEY POST ADOPT FIRST SELF-SERVICE POSTAL
KIOSKS IN EUROPE WITH YESPAY AND FUJITSU
Source: YESpay (11/26) |
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Jersey Post is the first postal operator
in Europe to introduce radically new self-service
post and pay kiosks supported by YESpay's
payment processing service, throughout 3
of their sites. The introduction of the kiosks
in Jersey Post's Broad Street and Central
Market post offices was provided in partnership
with Fujitsu.
Previously, the Channel Isle of Jersey's
national postal operator was using bank-owned
terminals to accept credit and debit card
payments once customers had weighed their
packages and parcels. With the introduction
of the Fujitsu Postal kiosks and on-board
self service application, integrated with
YESpay's payment processing service, customers
are now able to weigh, stamp and pay for
packages to be posted quickly and efficiently,
all at one small space-saving kiosk.
In addition to the postal capabilities, the
Fujitsu postal application has an additional
function of allowing customers to pay electricity
and water bills, whilst reducing a huge amount
of customer and staff time. This has lead
to a fourth kiosk being introduced at the
Jersey Electricity Company's Power House
store in the island's capital, St Helier.
YESpay is a member of ACT Canada; please
visit http://www.yes-pay.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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