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June 30, 2010 |
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Welcome to the June 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 - Collaboration and
Competition: Friends or Foes?
2. ACT Canada 2010 Award
Winners Announced
at Cardware Conference
3. Interac Flash Introduced
To Market
4. INSIDE Contactless First
With Dual-Interface
Processor For Interac Flash-Enabled
Debit
Cards
5. Asia Pacific Leads Strong
Growth In Mobile
Payments - Members Only
Access
6. INSIDE Contactless and
CPI Card Group
Receive Discover Certification
For Mobile
Payment Sticker
7. Apps For Everyone! TD Expands Mobile Offering
With Blackberry and Android Apps
8. New Jersey and New York
Transit Agencies
Partner With MasterCard
On Tap & Go Payment
System
9. Visa Improves Security
For Online Transactions
10. NFC In Select Nokia
Smartphones Next
Year - Members Only Access
11. KDDI Selects Gemalto
To Collaborate On
NFC Pilot In Japan
12. YESpay To Reduce Card
Fraud In The USA
By Providing Merchants
EMV Card Payments
Services
13. CIBC To Acquire $2.1
Billion Canadian
MasterCard Portfolio From
Citigroup
14. Oberthur Technologies
Delivers A Turnkey
Issuance System For The
First Georgian Electronic
Passport
15. U.K. National ID Cards
Scrapped Within
100 Days
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
EWA-Canada ~ member since
2004
Visa Canada ~ member since
1995
GENERAL
Apriva ~ member since 2009
Deloitte ~ member since
2007
Direct Cash ~ new member
FIME ~ member since 2006
GOVERNMENT
Royal Canadian Mint ~ member
since 2005
ASSOCIATE
M. Blair Consulting Inc.
~ new member
CALENDAR OF EVENTS:
Smart Card Alliance 2010 Government Event
November 16-19, 2010
Washington, DC, USA
http://www.smartcardalliance.org
CARTES & IDentification
2010
December 7-9, 2010
Paris-Nord Villepinte Exhibition
Centre
Paris, France
http://www.cartes.com
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1. EDITORIAL COMMENT
Source: Catherine Johnston, President &
CEO, ACT Canada (06/28) |
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Collaboration and Competition: Friends or
Foes?
How do you compete?
It's an interesting
question
because it relates
not just to you personally,
but also to how you
help your organization
compete. Do you work
at expanding your
network?
Likely you do. Does
your organization?
Likely
it doesn't.
At ACT Canada we
are networked with
close
to 1,000 organizations
and more than 5,000
individuals around
the world. We are
dismayed
by how often organizations
rely on their
employees' networks
while isolating themselves
from both their stakeholders
and competitors.
Is that because we
have a flawed definition
of "competition"?
Do we confuse
"competitor"
with "competition"?
I think we do and
it is to our detriment.
Most of our members
are competitors with
other members, but
they face common
issues
and share common
needs. This is true
in both
the public and private
sectors.
Let's take the time
to redefine competition,
because it is fundamentally
important in
any market. But having
said that, many things
that competitors
do are not related
to their
competitive edge.
These are areas where
collaboration
can help open, grow
or sustain a market.
For 21 years, ACT
Canada has practiced
this
philosophy and our
members have benefitted
from it. If you are
not at the table,
you're
missing this key
benefit.
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2. ACT CANADA 2010 AWARD WINNERS ANNOUNCED
AT CARDWARE CONFERENCE
Source: ACT Canada (06/30) |
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We are pleased to announce the following
winners of the 2010 ACT Canada awards:
Lifetime Achievement Award
- Ed Gresham
International Innovation
for Banking/Finance
Service - Oberthur Technologies
for SmartPIN
Smart PIN is the first
service anywhere that
allows issuers to securely
deliver card PINs
via the SMS channel direct
to the card holder's
mobile handset
International Innovation
for Banking/Finance
Technology - CPI Card Group
for the NFC Pilot
for Vancouver Olympics
EMV personalized MicroSD's
to enable Near
Field Communication ("NFC")
phones
to US Olympic athletes.
This solution uses
the industry standard MicroSD
interface built
into the smart phones to
add plug-and-pay
active contactless capability
to mobile devices.
International Innovation
for Business Model
Service - Oberthur Technologies
for EMV in
a Box
EMV-In-A-Box is a fully
integrated EMV Migration
solution and management
program. It is a
fully flexible turnkey
solution based on
Oberthur's expertise adapted
to the technological
framework and project criteria
of the issuer.
Hero's Award - Geoff Bowen
Canadian Innovation Award
for Banking/Finance
Application - CPI Card
Group for their Bio
Degradable Dual Interface
MasterCard
CPI - Canada with MasterCard
has introduced
a product that is compliant
with all security
specifications commanded
by EMV standards,
offers the benefits of
contactless speed-of-transaction
and caters to the environmentally
conscious
consumer in Canada.
Canadian Innovation Award for e-Transaction
Application - STJ Retail for EFT Plus Lite
EFT Plus Lite is an EMV
certified software
solution that, when coupled
with the appropriate
services, will allow STJ
Retail to offer
a turnkey retail payments
solution for multinational
retailers.
Canadian Innovation Award
for Mobile Application
- EnStream LP for Zoompass
Zoompass is a breakthrough
mobile money transfer
and payment service that
offers Canadians
a fast and convenient way
to send, receive
and request money instantly
and securely
from their mobile phone.
Our congratulations to
all the nominees and
we look forward to celebrating
next year's
achievements.
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3. INTERAC FLASH INTRODUCED TO MARKET
Source: Interac (06/17)
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Interac Association, Canada's leading payment
network, has successfully carried out a series
of contactless debit transactions using Scotiabank
debit cards and TD Merchant Services' point-of-sale
terminals. The new contactless enhancement
of Interac Direct Payment, called Interac
Flash, increases the functionality of Interac
branded debit cards by leveraging dual interface
chips that give cardholders the ability to
carry out a point-of-sale debit transaction
using the contact or contactless feature
of the card.
"The successful transactions
that have
taken place bring us closer
to a national
roll out of Interac Flash,"
said Mark
O'Connell, President and
CEO, Interac Association.
"From delivering exclusive
functionality
to providing a strong value
proposition to
the market, Interac Flash
is a win-win. We
leveraged our intimate
understanding of the
Canadian marketplace to
design innovative
and unique contactless
features that we believe
will meet the needs and
wants of all participants."
INSIDE Contactless developed
the dual interface
chips for Interac Flash.
Interac Flash builds
on the security of global
EMV standards;
existing chip debit infrastructure;
strong
consumer protections and
other features unique
to Interac Association;
as well as the trusted
Interac brand. The dual
interface chip that
will reside on Interac
debit cards will allow
cardholders to choose either
the standard
chip debit or contactless
feature of the
card to make everyday purchases.
"Responding to our
customers' needs
is important to Scotiabank,
and they have
told us that they want
to be provided with
innovative products and
services to help
simplify their everyday
banking and shopping
experiences," said
Brent Currie, Managing
Director, Day to Day Banking,
Scotiabank.
These successful in-market
transactions took
place at select merchants
in downtown Toronto.
"We are focused on
providing superior
customer service. To us
that service includes
providing innovation our
merchants can depend
on, like the option to
improve their customers'
check-out experience,"
said Jeff van
Duynhoven, President, TD
Merchant Services.
Interac Association will
continue to work
with key stakeholders through
2010 to ready
the Interac Direct Payment
point-of-sale
extension of Interac Flash
for national rollout
on Interac branded debit
cards in 2011.
Interac Association, INSIDE Contactless,
Scotiabank and TD Merchant Services are members
of ACT Canada; please visit http://www.interac.ca; http://www.insidecontactless.com; http://www.scotiabank.ca & http://www.tdcanadatrust.com/merchantservices.
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4. INSIDE CONTACTLESS FIRST WITH DUAL-INTERFACE
PROCESSOR FOR INTERAC FLASH-ENABLED DEBIT
CARDS
Source: INSIDE Contactless (06/17)
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INSIDE Contactless achieved a major milestone
with the delivery of the first dual-interface
debit card solution compliant with the Interac
Flash specification. Scotiabank debit cards
based on the INSIDE solution and TD Merchant
Services' point-of-sale terminals have already
been used to perform a series of successful
Interac Flash transactions at select merchants
in Toronto.
The Scotiabank debit
cards use INSIDE's
micropass
6008 dual-interface
payment microprocessor
with the resident
Interac Flash application,
allowing cardholders
to pay using the
contact
or new contactless
interface to make
everyday
Interac purchases.
Interac Association
is
using the INSIDE
micropass 6000 platform
as the "reference
chipset" to
perform
in-market testing
and to prepare the
payment
ecosystem for national
rollout of Interac
Flash next year.
INSIDE has been working
closely with Interac
Association on the
creation of Interac
Flash,
a next-generation
contactless payment
enhancement
for the Canadian
marketplace, and
developed
the Interac Flash
application running
on
the micropass 6000
dual-interface platform.
INSIDE Contactless, Interac Association,
Scotiabank and TD Merchant Services are members
of ACT Canada; please visit http://www.insidecontactless.com; http://www.interac.ca; http://www.scotiabank.ca & http://www.tdcanadatrust.com/merchantservices.
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5. ASIA PACIFIC LEADS STRONG GROWTH IN MOBILE
PAYMENTS - 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. INSIDE CONTACTLESS AND CPI CARD GROUP
RECEIVE DISCOVER CERTIFICATION FOR MOBILE
PAYMENT STICKER
Source: ICMA Industry News (06/03)
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INSIDE Contactless and CPI Card Group announced
they have received type approval from Discover
Financial Services, LLC for mobile payment
stickers based upon INSIDE's MicroPass 4002
contactless payment processor. Incorporating
the Discover Zip payment application, the
certified stickers contain all the functionality
of a traditional Discover credit, debit or
prepaid card, and enable Discover card issuers
to offer their customers the additional convenience
of using their mobile phones or other portable
devices to make contactless payments anywhere
using the Discover Zip standard.
Available now, the
new Discover Zip
mobile
payment stickers
are being manufactured
by
CPI Card Group. The
stickers are delivered
already pre-cut from
ID1 card devices
and
pre-personalized
to allow for personalization
and fulfillment using
traditional card
processing
equipment.
CPI Card Group and INSIDE Contactless are
members of ACT Canada; please visit http://www.cpicardgroup.com & http://www.insidecontactless.com.
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7. APPS FOR EVERYONE! TD EXPANDS MOBILE OFFERING
WITH BLACKBERRY AND ANDROID APPS
Source: Canada Newswire (06/09)
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Canadians looking for a mobile app, regardless
of their choice of smartphones, should look
no further. TD today announced it has launched
a free TD mobile app for BlackBerry and Android
devices. The new apps make TD the first financial
services provider in Canada with mobile apps
for the most in-demand smartphones available
on the market.
"Whether you're
a BlackBerry, iPhone
or Android fan, we're
making mobile banking
convenient and comfortable
for everyone,"
said Joan Dal Bianco,
Vice President, Online
Channel, TD. "Now
our customers, including
thousands of small
business owners,
can pay
bills, check account
balances, and find
a
nearby TD branch
or ATM, anytime,
anywhere,
on any of these mobile
devices."
TD is a member of ACT Canada ; please visit
http://www.tdcanadatrust.com.
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8. NEW JERSEY AND NEW YORK TRANSIT AGENCIES
PARTNER WITH MASTERCARD ON TAP & GO PAYMENT
SYSTEM
Source: ICMA Industry News (06/03)
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The Metropolitan Transportation Authority
(MTA), Port Authority of New York and New
Jersey (PATH), NJ TRANSIT (NJT) and MasterCard
Worldwide announced the launch of a six month
pilot program in which MasterCard PayPass
will be accepted for fare payments on select
train and bus routes throughout New York
City and New Jersey. The announcement enables
riders of the three transit systems to purchase
fares and transfer between transit systems
simply by tapping a single type of contactless
credit or debit card or device.
The trial, which will take place June 1 -
November 30, 2010, is the first payment system
to link the transit agencies, replacing the
need for riders to carry specific fare cards
for three separate transit systems. For example,
commuters transferring from a PATH train
to the New York City subway will need only
one type of payment device for each ride-their
MasterCard PayPass card or device-to "Tap
& Go", improving the overall customer
experience through increased speed and convenience.
The trial program is an extension of a successful
pilot of contactless payments conducted by
the MTA with MasterCard and Citigroup beginning
in July 2006 when contactless readers were
placed in 80 fare gates at 30 stations on
the Lexington Avenue train line. During this
new trial, all MasterCard PayPass cards and
devices will be accepted from any issuing
financial institution.
Using their MasterCard PayPass or other contactless
payment-enabled card or device, riders will
be able to choose from a "Pre-Fund"
or "Pay-As-You-Go" fare option,
and on MTA and NJT services can take advantage
of existing time-based fares, such as one
day, weekly, bi-weekly or monthly passes,
as well as discounted fares for senior citizens,
disabled and student riders.
MasterCard Canada is a member of ACT Canada;
please visit http://www.mastercard.ca.
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9. VISA IMPROVES SECURITY FOR ONLINE TRANSACTIONS
Source: ComputerWeekly (06/07) |
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Visa has launched a payment card in Europe
to improve security for online transactions.
The CodeSure card contains a keypad and an
eight-character display for showing a one-time
passcode for any Visa debit or credit card.
The company has taken the step because online
transactions are more susceptible to fraud
as they do not use the Pin.
Online transactions often rely on information
printed on the card and hackers who have
these details may be able to make a purchase
online.
Visa's Verified by Visa and MasterCard's
SecureCode systems provide additional security,
but still rely on a static password, which
is vulnerable to hacker attacks.
The CodeSure card overcomes that vulnerability
by displaying a unique one-time passcode
after users enter their Pin using the keypad
on the card.
The CodeSure card goes beyond online banking
and shopping and also allows organisations
to use the card in place of other online
log-in systems to access, for example, corporate
virtual private networks, she said.
Visa Canada is a member of ACT Canada; please
visit http://www.visa.ca.
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| 10. NFC IN SELECT NOKIA SMARTPHONES NEXT
YEAR - 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. SELECTS GEMALTO TO COLLABORATE ON NFC
PILOT IN JAPAN
Source: ICMA Industry News (06/16)
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Gemalto announced that it has been selected
by Japan's KDDI-a leading mobile communication
provider with over 31 million subscribers,
to provide its User Identity Module (UIM)
cards and Trusted Service Management (TSM)
solution for their near-field communication
(NFC) program. From May to December 2010,
participants in this pilot can experience
various types of NFC services ranging from
mobile payments, transportation services,
e-driver licenses, e-ticketing, as well as
information acquisition from smart posters.
This trial will have participation from a
wide-range of leading industries including
car manufacturers, airline companies, and
cinema operators.
Gemalto plays an important role in this trial,
entrusted with the preparation and management
of sensitive user information between KDDI
and other service providers, as well as the
provision of multiple mobile applications
to subscribers. This NFC project will be
based on international standards, complying
with the GSMA's Pay-Buy-Mobile specifications.
GSMA is the worldwide association of Mobile
Network Operators. Japan is already the world's
most advanced mobile contactless market with
18% of mobile subscribers actively using
mobile contactless services; and industry
experts are optimistic about quick consumer
pick-up.
Gemalto is a member of ACT Canada; please
visit http://www.gemalto.com.
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12. YESPAY TO REDUCE CARD FRAUD IN THE USA BY
PROVIDING MERCHANTS EMV CARD PAYMENTS SERVICES
Source: PressReleasePoint (06/01)
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YESpay International Ltd has completed the
EMV chip and PIN end-to-end certification
of its EMBOSS card payment service with Chase
Paymentech and First Data, two major card
acquirers in the USA and Canada. YESpay is
now working with merchants in the USA and
Canada who need to upgrade their retail POS
systems to EMV chip-and-PIN card payment
standards: Merchants can thus process EMV
Chip & PIN cards that are being globally
issued including in Canada and Mexico within
USA thus stopping cross-border card fraud
to migrate from Canada and Mexico to USA.
Dr Chandra Patni, CEO of YESpay International
said, "We are not the only company thinking
along the lines of offering EMV card acceptance
in the U.S.: According to an industry article
published recently (Wal-Mart to support smartcard
payments, Computerworld, 21 May 2010), the
retail giant Wal-Mart is reportedly planning
to make all its payment terminals in its
U.S. stores chip-and-PIN-capable. Such a
move would definitely trigger other U.S.
merchants to move to chip-and-PIN transaction
processing".
It is true that the imminent EMV chip-and-PIN
card rollout in the USA will certainly reveal
a challenge for merchants that will have
to upgrade their integrated EPOS point of
sale systems to accept payments with EMV
chip-and-PIN cards which YESpay can provide
help in.
Through EMBOSS, merchants can fast track
the implementation of integrated EMV card
payments acceptance solutions for in-store
and unattended payment systems, as well as
enhance their websites for on-line payments
with minimal capital investment and low on-going
services costs. It 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.
YESpay International is a member of ACT Canada;
please visit http://www.yes-pay.com.
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13. CIBC TO ACQUIRE $2.1 BILLION CANADIAN MASTERCARD
PORTFOLIO FROM CITIGROUP
Source: Canada Newswire (06/14)
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CIBC announced that it is broadening its
reach in the Canadian marketplace through
the acquisition of a $2.1-billion credit
card portfolio from Citigroup's ("Citi")
Canadian MasterCard business. Through this
transaction, CIBC, which had more than $14
billion in outstanding credit card balances
at April 30, 2010, will become the largest
dual credit card issuer in Canada.
Citi Cards Canada and MasterCard Canada are
members of ACT Canada; please visit http://www.citicards.ca & http://www.mastercard.ca.
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14. OBERTHUR TECHNOLOGIES DELIVERS A TURNKEY
ISSUANCE SYSTEM FOR THE FIRST GEORGIAN ELECTRONIC
PASSPORT
Source: ICMA Industry News (06/23) |
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Oberthur Technologies delivers the issuance
system of the Georgian electronic passport.
The first Electronic Passport has been issued
April 15th 2010.
Oberthur is supplying full end-to-end e-passport,
personalization solutions. The project also
includes the supply of standards and interoperable
electronic passports, and consumables.
Today, there are 3 centres in Georgia (Tbilisi,
Kutaisi and Batumi) fully operational to
deliver electronic passports, with 5 levels
of delivery depending on the emergency of
the demand.
Oberthur Technologies and the Civil Registry
of Georgia have been working on this project
in order to offer a high secure passport
to the Georgian citizens. The offer endows
with the latest and best electronic passport
technologies with a secure chip inside the
booklet, common criteria Certified EAL4+,
and fully compliant with the International
Recommandations of ICAO and with the latest
EU Recommendations for a secure chip inside
the booklet (EAC chip) and common criteria.
Oberthur Technologies is a member of ACT
Canada; please visit http://www.oberthur.com.
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15. U.K. NATIONAL ID CARDS SCRAPPED WITHIN 100
DAYS
Source: ICMA Industry News (06/03) |
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The new U.K. government announced that it
is to scrap plans for identity cards for
British citizens within 100 days. The National
Identity Register, the database that contains
the biographic and biometric fingerprint
data of card holders, would also be destroyed.
Home secretary, Theresa May said, "This
bill is a first step of many that this government
is taking to reduce the control of the state
over decent, law-abiding people and hand
power back to them. With swift parliamentary
approval, we aim to consign identity cards
and the intrusive ID-card scheme to history
within 100 days."
Deputy prime minister, Nick Clegg said, "The
wasteful, bureaucratic and intrusive ID-card
scheme represents everything that has been
wrong with government in recent years. By
taking swift action to scrap it, we are making
it clear that this government won't sacrifice
people's liberty for the sake of ministers'
pet projects."
The Identity Documents Bill is part of a
first wave of priority legislation set out
in the Queen's speech on May 25, 2010. The
bill invalidates the identity card, meaning
that holders will no longer be able to use
them to prove their identity or as a travel
document in Europe.
The government aims to have the bill passed
through parliament and enacted by the parliamentary
recess in August, in a move that will save
the taxpayer around £86 million over the
next four years, once all cancellation costs
are taken into account. It would also avoid
around £800 million of ongoing costs over
the next 10 years, which were to be recovered
through fees.
The role of the identity commissioner would
also be terminated. The public panels, designed
to scrutinize the identity-cards scheme,
have already been disbanded.
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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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