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May 31, 2010 |
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Welcome to the May 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 - Are Payments Really
Global?
2. Ingenico's New Payment Device For Unattended
& Petro Payment Terminals Receives Certification
Under Interac Association's Requirements
3. Toronto's Smart Card
System Goes Live
4. 1st US Issuer (United
Nations Credit Union)
Issuing EMV Cards
5. Wal-Mart: "It's Time For Chip-And-Pin
In The U.S." - Members Only
6. DeviceFidelity &
Visa To Bring Contactless
Payment Services To Apple
iPhone
7. Collis EMV PVT Online
& Collis Test
Tools Validated By MasterCard
For New M-Tip
Implementation
8. ICCSimTMat Selected
By Chase Paymentech
To Perform Merchant Certification
In Canada
& ICC Solutions Receives
Qualification
From MasterCard For M-Tip
Testing
9. YESpay Becomes Canada's
First Fully EMV
Chip And Pin Certified
Card Payment Service
With Chase Paymentech
10. The Race To Own Mobile
Commerce - - Members
Only
11. MasterCard Announces
Pilot Of New NFC
Mobile Payment Solution
Addressing Multiple
Handsets
12. Multos Reaches Sales
Of 120 Million EMV
Chips
13. Level Four & Galitt
Partner To Offer
EMV Compliant ATM Testing
In Canada
14. Will The Apple Fall
Far From The (Contactless)
Tree? - - Members Only
15. HDFC Bank Kicks Off
Commercial Migration
Of EMV Credit Cards
16. INSIDE Contactless
Micropass Shipments
Top 200 Million Units
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:
GENERAL
Interac Association ~ member since 1995
MBNA ~ member since 2009
Watchdata Technologies ~ new member
SME
UseMyServices Inc. ~ new member
ASSOCIATE
Osler, Hoskin & Harcourt LLP ~ member
since 2005
CALENDAR OF EVENTS:
ACT Canada presents Cardware 2010: Payment
Insights
June 22-23, 2010
Sheraton Fallsview, Niagara Falls, ON, Canada
Workshops include:
- How Will American Bankers & Retailers
be Affected by EMV & When?
- Certified Smart Card Industry Professional
(CSCIP) Training & Exam Workshop
- EMV Executive Training
Visit http://www.actcda.com/calendar.html
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1. EDITORIAL COMMENT
Source: Catherine Johnston, President &
CEO, ACT Canada (05/31) |
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Fundamental Change
Sometimes incremental
change is best and
it is almost always
easiest, but incremental
change brings only
incremental benefits.
RIM, Apple, Microsoft,
and Google brought
fundamental changes
to the world market.
All four delivered
products that gave
consumers
a new and desired
experience…and they
reaped
the profits. From
these innovations
we will
see years of incremental
change from these
companies.
Today, chip provides
the environment for
fundamental change.
It adapts to many
form
factors, be it cards,
mobile phones or
others.
Now it is our turn
to stand back and
give
thought to how consumers
would want to use
the power of chip.
To do that, we can't
look
at it from our perspective;
be it user, acquirer,
supplier, merchant
or regulator.
Our fundamental challenge
is to view chip
as consumers, because
indeed, each of us
is a consumer.
Then we need to bring
our professional
capabilities
to the exercise.
We have the responsibility
to ensure local and
systemic security,
privacy
and acceptance. That
requires each stakeholder
group to come to
the table because
anything
systemic becomes
harder and much more
expensive
when done incrementally.
But we all know
that.
The key message is
to look at chip in
terms
of the products and
services you would
pay
for, and only then
design the supporting
systems. We all know
that too, but it
is
easier said than
done. Good luck and
good
profits! See you
at Cardware.
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2. INGENICO'S NEW PAYMENT DEVICE FOR UNATTENDED
& PETRO PAYMENT TERMINALS RECEIVES CERTIFICATION
UNDER INTERAC ASSOCIATION'S REQUIREMENTS
Source: Ingenico (05/11) |
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Ingenico announced that their new i9780UPT
fuel and unattended device has received certification
under Interac Association's requirements
for security. Interac Association sets the
security standards for all terminal devices
that are connected to this network and used
by its members across the country.
According to the certification,
the i9780UPT
meets the strict Interac
Association Chip
Unattended compliance requirements,
PCI PED
and EMVCo L1 and L2 security
standards.
The i9780UPT device is
built as a full payment
terminal for integration
into island card
readers. It accepts smart,
contactless and
magnetic cards and has
an internal barcode
reader to accept print
or virtual coupons
on cell phones. This rugged
device offers
a perfect alternative to
existing terminals
for outdoor payment in
petroleum and unattended
self-service applications.
The i9780UPT device
is available for distribution
in Canada as
of May 2010.
Ingenico is a member of ACT Canada &
a Cardware 2010 exhibitor; please visit http://www.ingenico.com. Interac is a member of ACT Canada a Cardware
2010 sponsor; please visit http://www.interac.ca.
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3. TORONTO'S SMART CARD SYSTEM GOES LIVE
Source: Contactless New (05/11)
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The Greater Toronto Area (GTA) has finally
launched its long-anticipated smart card
transit system, according to thestar.com.
After four years of waiting, contactless
Presto cards are now being accepted at the
Oakville GO station, which sees about 12,000
passengers a day, and will soon be implemented
in the rest of Go Transit's Lakeshore West
corridor.
Under the new system, users
can load money
onto their Presto cards
and pay for fares
by tapping them against
green readers installed
in stations and on buses.
According to thestar.com,
Toronto transit
officials are still considering
other fare
systems, including one
that would allow riders
to pay using credit cards.
"The TTC
is having another conversation
about an open
payment system. We're moving
ahead with the
Presto system and if at
a later date there's
interest in new technology
we can have that
conversation," Transportation
Minister
Kathleen Wynne said at
the system's inauguration.
The entire system is expected
to be in place
by late 2011.
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4. 1st US ISSUER (UNITED NATIONS CREDIT UNION)
ISSUING EMV CARDS
Source: Contactless News (05/13)
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Gemalto announced it has been selected by
the United Nations Federal Credit Union (UNFCU)
to deliver a U.S. issued, globally compliant
microprocessor payment card. UNFCU recognized
the need of its members, who reside and frequently
travel to more than 210 countries and territories,
to have a more convenient and secure payment
option when traveling internationally.
Partnering with Gemalto,
credit union will
be able to provide
a globally compliant
EMV
standard-based Dynamic
Data Authentication
contact and contactless
dual interface card
that can be used
anytime - anywhere
their
members travel. UNFCU
anticipates introducing
the program in the
second half of 2010.
UNFCU is the first
U.S. card issuer
to provide
a globally compliant
payment card option
to their members.
UNFCU is taking advantage
of Gemalto's World
Traveler program
in which
Gemalto will provide
UNFCU with complete
issuance services
including full card
design
and production, personalization
data preparation
and personalization
of the dual interface
card, ensuring global
acceptance and forward
compatibility for
both online and offline
payment transactions.
Gemalto is a member of ACT Canada & a
Cardware 2010 sponsor; please visit http://www.gemalto.com.
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5. WAL-MART: "IT'S TIME FOR CHIP-AND-PIN
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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What are Canadian merchants asking for when
issuers roll out new payment products? Learn
more at Cardware 2010: Payment Insights,
June 22-23, 2010. Register now at
Register now at http://www.actcda.com/calendar.html
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6. DEVICEFIDELITY AND VISA TO BRING CONTACTLESS
PAYMENT SERVICES TO APPLE IPHONE
Source: Trends Update (05/18)
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Visa has teamed up with DeviceFidelity to
provide the Apple iPhone with a unique gift,
that of a payment case, where in the users
will be able to make use of their iPhones
to make payment via credit cards. This service
would be most suitable for places and retail
stores, where there is no means of swiping
the credit cards. This all new incredibly
helpsul called, In2Pay greatly simplifies
contactless transactions and uses microSD
technology and a supported case designed
and developed by DeviceInfidelity.
The entire procedure
is based on a removable
In2Pay microSD, that
needs to be inserted
into the protective
case and thus enables
the users to make
payments at a variety
of
venues including
retail stores, unattended
kiosks and transit
ticket counters.
This
entire concept is
the culmination of
Visa's
contactless payment
technology called,
Visa
paywave and In2Pay
technology, thereby
making
the iPhone 3G and
iPhone 3GS more useful
than ever and taking
a giant leap into
mobile
contactless payment.
The In2Pay system
from
DeviceFidelity is
said to be one of
the most
secure and user friendly
payment methods
and the package also
comes with a micro
USB,
that allows the user
to synchronize and
even
charge their phones.
Visa Canada is a
member of ACT Canada
&
a Cardware 2010 sponsor;
please visit http://www.visa.ca.
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7. COLLIS EMV PVT ONLINE & COLLIS TEST
TOOLS VALIDATED BY MASTERCARD FOR NEW M-TIP
IMPLEMENTATION
Source: Collis (05/25) & (05/20)
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Collis is proud to announce the launch of
the Collis EMV Personalisation Validation
Tool (PVT) Online, an innovation excellence
in software Test Tools. Collis EMV PVT Online
is Collis' latest innovation and one we are
extremely proud of. The 1st of its kind in
the market, it enables personalisation validation
of smart cards online! Subscribe; pick up
your smart card and start your smart card
reader and you're ready to go. It's that
simple!
Users of Collis EMV
PVT Online can now
log
on anywhere in the
world, with any web
browser,
and validate their
smart cards! This
product
provides all the
functionality of
the award
winning Collis EMV
PVT including the
Visa?confirmed
and MasterCard?qualified
modules. This means
that users now have
access to the latest
personalisation requirements
24/7. It can
be used with any
smart card reader
(contact/contactless)
installed in the
user's system.
In other Collis news,
Collis announced
that
MasterCard has qualified
both the Collis
Brand Test Tool and
Collis Card Simulator
as M-TIP Validation
Tools
Collis has implemented
the MasterCard Terminal
Integration Process
(M-TIP) Subset in
both
the Collis Brand
Test Tool and Collis
Card
Simulator. Both these
test tools are used
to test the behaviour
of a terminal according
to the payment scheme
rules without the
need
of physical test
cards. The M-TIP
subset
has been implemented
in the Collis Test
Tools
following MasterCard's
announcement to its
customers that the
current Terminal
Integration
Process (TIP) will
be phased out and
replaced
by M-TIP for EMV
contact chip terminal
deployment.
Using the M-TIP Subset
will be mandatory
from 1st of July
2010 for all MasterCard
customers initiating
a first time chip
migration.
Customers that have
already started deploying
chip will have until
1st of January 2011
to migrate to M-TIP.
The Collis Brand
Test Tool and Collis
Card
Simulator can simulate
any EMV card (contact
& contactless)
and can be used with
MasterCard
card applications
such as M/Chip and
also
with other international
Payment Systems.
They can simulate
errors (failures)
to test
the system's response
to an error. As a
result,
interoperability
issues can be detected
before
terminals are deployed
in the field. These
tools can be used
with new ATMs equipped
with anti-skimming
mechanisms (please
contact
Collis for any compatibility
questions).
The Collis Brand
Test Tool and Collis
Card
Simulator have both
been qualified by
MasterCard
as Validation Tools
for the formal M-TIP
certification process.
This means that the
log files generated
by the validation
tools
can be sent directly
to MasterCard for
M-TIP
certification.
Collis is a member of ACT Canada & a
Cardware 2010 exhibitor; please visit http://www.collis.nl.
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How soon might mobile payments impact the
Canadian market? Learn more about mobile
payments at Cardware 2010: Payment Insights,
June 22-23, 2010. Register now at
Register now at http://www.actcda.com/calendar.html
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8. ICCSIMTMAT SELECTED BY CHASE PAYMENTECH TO
PERFORM MERCHANT CERTIFICATION IN CANADA
& ICC SOLUTIONS RECEIVES QUALIFICATION
FROM MASTERCARD FOR M-TIP TESTING
Source: ICC Solutions (05/10) & (05/20)
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ICC Solutions Limited is delighted to announce
that Chase Paymentech has selected a customized
ICCSimTMat test package to perform Chase
Paymentech merchant certification of point
of sale (POS) terminals deployed in Canada.
The customized
ICCSimTMat
test package has
been developed
to provide
a powerful yet
user-friendly
environment
enabling efficient
test campaigns
featuring automated
analysis
of the test
results and
supports POS terminal
certification
for American
Express, Interac
Association,
MasterCard
and Visa.
The Chase Paymentech
certification
process
helps to ensure
that transactions
generated
by merchant
POS equipment
connected to the
Chase Paymentech
network are
processed according
to EMV standards.
Chase Paymentech
will also
have access
to special
negotiated pricing
for a wide
range of test
tools from ICC Solutions.
In other ICC
Solutions news,
they announced
the immediate
availability
of ICCSimTMat:
MC TIP test
packages and
upgrades supporting
the new MasterCard
Terminal Integration
Process
(M-TIP) qualified
by MasterCard.
TIP Qualified
Test Tools
supporting
M-TIP will be used
as part of
a phased replacement
instead of
Subset 1 for
formal approval
testing.
ICC Solutions
will offer
new ICCSimTMat test
packages supporting
M-TIP as well
as M-TIP
upgrade packages
for existing
customers.
This will enable
both new and
existing customers
to benefit
from the same
level of automation
and operational
efficiency
as experienced
in the existing
NIV and TIP
for MasterCard
test packages
which are also
qualified by
MasterCard.
ICCSimTMat:
MC TIP test
packages supporting
M-TIP will
enable more
efficient testing
of the interoperability
of MasterCard
branded
cards in an
international
cross-border context.
Acceptance
of the Application
Identifiers
scheme (e.g.
AIDs for MasterCard
or Maestro),
CVM and CAM
policy, and
fallback rules are
all examples
of scheme-related
requirements
that are tested.
ICC Solutions is a member of ACT Canada &
a Cardware 2010 exhibitor; please visit http://www.iccsolutions.com.
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9. YESPAY BECOMES CANADA'S FIRST FULLY EMV
CHIP AND PIN CERTIFIED CARD PAYMENT SERVICE
WITH CHASE PAYMENTECH
Source: PRWeb.com (05/11) |
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YESpay International Ltd has completed the
EMV certification of its EMBOSS card payment
service with Chase Paymentech(TM) as the
first fully hosted EMV Chip and PIN payment
service in Canada with Chase Paymentech.
The formal certification conducted by Chase
Paymentech included end-to-end EMV Chip and
PIN testing with Interac, MasterCard and
Visa using the Verifone Vx810 pinpad. This
enables YESpay to provide its secure credit
and debit card payment acceptance services
for retail, MOTO (mail order telephone order)
and e-commerce to main street and web merchants
in Canada.
EMBOSS already has a proven track record
as a generically certified IP-based payment
processing service used by major retailers
in Europe for the past 5 years and has been
fully end-to-end certified to Payment Card
Industry Data Security Standards (PCI DSS)
Level 1 as mandated by the payment brands
since 2006.
Through EMBOSS, merchants can fast track
the implementation of integrated EMV card
payments acceptance solutions for their electronic
cash register, kiosks and hospitality payment
systems. It can also enhance their websites
for on-line payments with minimal capital
investment and low on-going services costs.
EMBOSS reduces business and technical issues
of outsourcing payment services and helps
merchants avoid lengthy timescales and high
costs of EMV certification and PCI compliance
of their retail environments. Fully scalable,
EMBOSS can address the needs the single location
merchant as well as larger chains.
Chase Paymentech and YESpay are members of
ACT Canada & YESpay is an exhibitor at
Cardware 2010; please visit http://www.chasepaymentech.ca & http://www.yes-pay.com.
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Is this the right time for Canadian FI's
to explore multi-application cards? Learn
about successful multi-application cards
at Cardware 2010: Payment Insights.
Register now at http://www.actcda.com/calendar.html
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| 10. THE RACE TO OWN MOBILE COMMERCE - 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. MASTERCARD ANNOUNCES PILOT OF NEW NFC
MOBILE PAYMENT SOLUTION ADDRESSING MULTIPLE
HANDSETS
Source: Express Computer (05/21)
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MasterCard Worldwide has announced a collaboration
with Gemalto to pilot a Near Field Communications
(NFC) device equipped with the Gemalto Upteq
N-Flex Solution that supports MasterCard
PayPass. The Upteq N-Flex solution is an
industry first as it is able to function
on multiple mobile handsets, helping provide
a path to ubiquitous handset support for
NFC. The solution is also the first of its
kind conforming to the Single Wire Protocol
(SWP) as endorsed by the GSM Association
(GSMA).
The Upteq N-Flex wafer-thin device can be
inserted into an array of existing handsets
to transform them into a payment device.
The initial trial of this mobile payments
solution has kicked off in Singapore, as
MasterCard collaborates with DBS Bank, EZ-Link
Pte Ltd, and StarHub.
Both Gemalto and MasterCard Canada are members
of ACT Canada & sponsors at Cardware
2010; please visit http://www.gemalto.com & http://www.mastercard.ca.
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12. MULTOS REACHES SALES OF 120 MILLION EMV CHIPS
Source: Multos (04/27)
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Multos International announced that it has
reached the milestone of 120 million pieces
of their secure MULTOS and MULTOS step/one
smartcard products delivered into the global
banking market for EMV migration. 786 views
0 comments
This is a significant achievement and highlights
the continued growth in shipments of MULTOS
technology, working with banking customers
and card manufacturing partners around the
world.
Richard Cusson, Managing Director of Multos
International said "We are excited with
this achievement, but it really is an indication
of the success of our Issuer customers and
their respective EMV migration projects.
The level of activity with many of our customers
is an encouraging sign of increased opportunities
ranging from standard contact EMV issuing,
to more advanced multi-application and contactless
functionality. We look forward to continuing
to offer our customers some of the best technology
available in the smartcard industry backed
up by our renowned support".
Multos is member of ACT Canada & a Cardware
2010 sponsor; please visit http://www.multos.com.
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13. LEVEL FOUR AND GALITT PARTNER TO OFFER EMV
COMPLIANT ATM TESTING IN CANADA
Source: Galitt (05/07)
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Level Four announced that the company will
be extending its partnership with GALITT.
The partnership combines Level Four's ATM
test solution, BRIDGE:test, with GALITT's
KaNest®-ICC EMV card simulator to provide
a comprehensive testing solution for EMV
compliant ATM networks.
The partnership will enable Canadian-based
banks to benefit from the combination of
best of breed solutions in their respective
areas. As migration to EMV continues worldwide,
Level Four and GALITT will build on their
success in France to promote their joint
offering in Canada.
Galitt Canada is a member of ACT Canada &
a Cardware 2010 exhibitor; please visit http://www.galitt.ca.
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| 14. WILL THE APPLE FALL FAR FROM THE (CONTACTLESS)
TREE? - 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. HDFC BANK KICKS OFF COMMERCIAL MIGRATION
OF EMV CREDIT CARDS
Source: Giesecke & Devrient (05/19) |
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HDFC Bank, one of India's premier banks,
has become one of the first Indian banks
to supply credit cards compliant with the
global EMV standard to its premium-segment
customers nationwide. The 500,000 smart cards
for the commercial launch phase that will
run until March 2011 are being supplied by
the Indian subsidiary of security technology
specialists Giesecke & Devrient (G&D).
This initiative significantly boosts the
Indian subcontinent's migration to EMV, from
standard magnetic stripe formats to chip-based
smart cards. These cards are based on complex
and advanced technology and will provide
the highest standard of security. This further
enhances the security of electronic payment
systems.
HDFC Bank has started its migration to the
EMV standard with credit and forex prepaid
smart-card products on the Visa platform.
HDFC Bank also plans to issue EMV smart debit
cards in the near future. Going forward,
these smart cards will also serve as a multi-application
platform. Applications being considered include
a customer loyalty program and an electronic
purse.
Giesecke & Devrient is a member of ACT
Canada & a Cardware 2010 exhibitor and
sponsor; please visit http://www.gi-de.com.
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16. INSIDE CONTACTLESS MICROPASS SHIPMENTS TOP
200 MILLION UNITS
Source: INSIDE Contactless (05/11) |
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INSIDE Contactless announced that shipments
of its award-winning MicroPass intelligent
payment platform have surpassed the 200 million
unit mark, with production volume doubling
in the 18 months since reaching 100 million
units in November 2008. Since its introduction
at CARTES 2005 in Paris, the MicroPass platform
has become regarded as the gold standard
for contactless payments, and has made steady
gains in new applications, in new form factors
and new markets as the use of contactless
technology becomes more widespread. MicroPass
is available from all major bank card brand
certified manufacturers in North America
and now powers more contactless bank cards
than any other core technology available
in the market.
INSIDE Contactless is a member of ACT Canada;
please visit http://www.insidecontactless.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 21st 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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