Engaging, Enabling and Evolving Commerce in Canada since 1989

January 2011 ACTion Newsletter


  1. Editorial - I wish for you...
  2. Person-To-Person Payments Go Mobile with Interac E-Transfer
  3. Vancouver's New Fare System Paves the Way for Contactless Bank Card Transit Payments
  4. Mobile Payment Debuts Nationally at Starbucks
  5. How Paying with Your Phone Will Disrupt Retail - Members Only Access
  6. MasterCard & Telefonica Create Joint Venture To Offer Mobile Financial Solutions In Latin America
  7. Giesecke & Devrient Launches Over-The-Air SIM Management Platform For Lte Networks
  8. Visa Approves DeviceFidelity's In2pay MicroSD for Use with Leading Smartphone Models
  9. Banks In Venezuela Choose Multos
  10. Creating a Secure Infrastructure For NFCMobile Phones - Members Only Access
  11. Garanti Bank Rolls Out First NFC Payments Service in Turkey
  12. Hypercom Introduces Next Generation Mobile Payment Product
  13. Oberthur Technologies Launches NFC SIM Adaptor To Turn Standard Phone into an NFC Phone, Enabling A Rapid Take-Off Of NFC Services
  14. NBS Technologies Delivers Software Solution for Tyfone's Sidetap Memory Card, Enabling Fast Convenient Payment From Mobile Devices
  15. Will Apple Get Us To Wave At The Point Of Sale? - Members Only Access
  16. UseMyServices Launches New Customizable SaaS Real-Time Payment Solutions
  17. Ingenico Launches On Guard Payment Encryption Service
  18. FIME is the 1st to Offer the New EMV 4.2c Test Plan For Terminals
  19. Bank Asya & Watchdata Collaborate To Launch MicroSD Mobile Payment Solution - "DIT Mobil"
  20. Oberthur Technologies Announces the Development of MasterCard M/Chip Advance for Its New Dual Interface Platform
  21. MasterCard Inks Oyster Branding Deal with TfL
  22. Gemalto Rolls-Out Electronic Passport Solution in Korea

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.



Canadian Western Bank ~ member since 2010
Home Trust Company ~ member since 2009
MasterCard Canada ~ member since 1999
STJ Retail Corporation ~ member since 2009


Coinamatic ~ member since 1995
Collis ~ member since 2006
CPI Card Group ~ member since 1999
Dynamic Card Solutions, now part of Datacard Group ~ member since 2008
ICC Solutions Ltd ~ member since 2003
Multos International Pte Ltd ~ member since 2007
Oberthur Technologies ~ member since 2005
Ombudsman for Banking Services & Investments ~ member since 2009
Phoenix Technology U.S. Inc. ~ new member
Pivotal Payments ~ new member


Ontario Lottery & Gaming Corporation ~ new member


Mills & Mills LLP ~ member since 2007
Touchlogic Corp ~ new member
Vision in Action ~ new member


Interac Association is seeking experienced payment professionals to help manage and grow our online, mobile, and card payment products. Positions are available in Product Management, Relationship Management, Fraud Programs, Marketing, and Project Management.

See http://www.interac.ca/careers.php for details on these positions. Applications should be sent to careers@interac.ca.


Smart Card Alliance 2011 Mobile and Transit Payments Summit
February 15-18, 2011
Salt Lake City Marriott City Center Hotel
Salt Lake City, UT, USA
ACT Canada members receive a 20% discount

Save the Date for Gemalto's Innovation Day
Early March TBA in Toronto, ON, Canada
Look for more details from Gemalto & ACT Canada coming soon!

2011 Smart Card Alliance Annual Conference
May 2-5, 2011
Hyatt Regency - McCormick Place
Chicago, IL, USA

Cardware 2011: Payment Insights
Sheraton Fallsview Hotel & Conference Centre
Niagara Falls, Ontario, Canada
June 14-15, 2011
ACT Canada members receive substantial discounts

CARTES & IDentification 2011
November 15-17, 2011
Paris-Nord Villepinte Exhibition Centre
Paris, France

Source: Catherine Johnston, President & CEO, ACT Canada (01/30)

I wish for you...

Normally I write about business, but in this, the first editorial of the year, I would like to talk to you personally.

This year I wish for each and every one of you - time. You can always make more money, but you simply cannot "make" time.

I wish you time to think ahead. Almost everything we do has future steps. When we think about them, plan for them and consider how to protect those future steps from the risks they may face, we have a future. When we don't think about how to make things better in the future, we have only the present.

I wish you time to reflect on those things you do remarkably well. Often they will be those things that come easily to you, but that does not take away from the accomplishment. Allow yourself to recognize your strengths and then work to improve your other skills.

I wish you time to reflect on your relationship with others; your friends, family and people whom you will never meet, but could influence. Do your best for all of them through your personal life and professional work.

I do not need to wish for you success, because if you spend your time well, your success will be immeasurable.

Source: Interac (12/07)

Interac e-Transfer (formerly known as Interac Email Money Transfer) now provides participating financial institutions with the opportunity to allow customers to send or receive money almost instantaneously with their mobile phone or their desktop, by either using a mobile phone number or an email address. Central 1, in partnership with BC's Prospera Credit Union, and Teachers Credit Union of Ontario, are the first financial institutions to offer this new functionality.

"We are committed to serving the needs of our financial institution clients by bringing them innovative services to support and grow their businesses," said Mark O'Connell, President and CEO, Acxsys Corporation and Interac Association. "By expanding Interac e-Transfer into the mobile space, we are giving consumers more flexibility to make person-to-person payments quickly and securely."

Interac e-Transfer is the new name of Interac Email Money Transfer. With the addition of mobile to the existing online functionality, the new name better reflects the cross-channel capabilities of the service.

Interac e-Transfer is a fast, secure and convenient way to send and receive money in near real time across the country, from one bank account to another through online or mobile banking. Importantly, money never travels by email or text message; this is used only to notify the recipient and to provide the recipient with instructions on how to deposit the money.

The sender's financial institution and the recipient's financial institution transfer funds using established and secure banking procedures. Personal or financial information, such as address, phone number and bank account information, is not shared and remains private. Recipients can deposit a funds transfer by clicking on the link contained in the text message or email notification, or the link contained in the notification can be typed into a browser - no matter how the recipient is notified, the individual can deposit the transfer using any computer or mobile device connected to the Internet.

"Central 1's decision to be the first to offer the mobile functionality of Interac e-Transfer speaks to the organization's commitment to offer innovative payment options to Central 1 members and their clients," said Mr. O'Connell.

"We are pleased to work with our organizations to provide this innovative mobile payment system that leads the way in the Canadian financial system," said Oscar van der Meer, Chief Technology Officer at Central 1. "Credit unions are able to move quickly to introduce enhanced developments like Interac e-Transfer."

Interac is a member of ACT Canada; please visit http://www.interac.ca.

Source: Digital Transaction News (01/27)

Vancouver's public-transportation authority has selected a $220 million fare-payment system from Cubic Transportation Systems Inc. that includes a transit-only reloadable contactless card but also the ability to accept general-purpose contactless cards.

Replacing proprietary fare cards with systems that add transit capabilities to contactless credit and debit cards issued by banks is the buzz of the North American public-transportation industry. Only Salt Lake City, however, has such open-fare capabilities systemwide. TransLink, the transportation agency for 22 municipalities in the scenic Vancouver area, decided to use a proprietary smart card based on proven technology before going to an open-fare system, a TransLink spokesperson tells Digital Transactions News. TransLink, formally the South Coast British Columbia Transportation Authority, oversees three light-rail lines, numerous bus routes, a ferry, and a toll bridge, and also provides funding to municipalities to maintain arterial streets.

"Our main approach to this is going to a tried-and-true platform, looking at our own needs first," the spokesperson says. "We want to have a system that does what it's supposed to do first before we get fancy with it." He adds that the system "will have the capability of handling other transactions in the future."

Holders of major-brand contactless cards such as Visa payWave or MasterCard PayPass will be able to tap those cards at Vancouver train stations once fare gates based on Cubic's Nextfare technology are operational, and will be charged cash fares. That capability takes Vancouver a step beyond the proprietary contactless fare cards used in some big North American cities, including Chicago and Washington, D.C., but stops short of discarding a closed-loop card, as would a completely open-fare system.

San Diego-based Cubic and partner IBM Canada won a bidding process among three finalists that submitted requests for proposals in a process that started with eight consortiums, the spokesperson says. The $84 million base contract includes the design, construction, and installation of the system, including the card-reading fare gates, to be delivered by 2013, according to a Cubic release. After delivery, a 10-year services contract valued at about $13 million per year, plus a one-time $6 million transition cost, takes effect. The contract includes an option for five additional years of services. Seed money for the project was announced three years ago in the form of C$40 million from the province of British Columbia and $C30 million from Canada's federal government, according to the TransLink spokesperson.

About one-third of TransLink riders pay with cash while the others pay with various media that include the mag-stripe card and monthly passes. The system operates on a proof-of-payment model in which riders show roving conductors their receipts or passes. "We have been operating under a very low-tech fare system," the TransLink spokesperson says.

MasterCard Canada and Visa Canada are members of ACT Canada; please visit http://www.mastercard.ca & http://www.visa.ca.

Source: PYMNTS.com (01/29)

Starbucks announced the launch of mobile payment in all U.S. company-operated stores, allowing customers to pay for in-store purchases with select smartphones. Building on the earlier introduction of Starbucks Card Mobile App for select BlackBerry smartphones, iPhone and iPod touch and a successful mobile payment test program, customers now have access to the largest mobile payment program in the U.S. and the fastest way to pay at Starbucks. This national program now includes nearly 6,800 company-operated stores and more than 1,000 Starbucks in U.S. Target locations.

In addition to engaging a loyal base of several million cardholders with the offering, Starbucks anticipates mobile payment will be a draw for customers looking to experience the speed, ease and convenience of paying with their mobile phone. "Today, one in five Starbucks transactions is made using a Starbucks Card and mobile payment will extend the way our customers experience and use their Starbucks Card," said Brady Brewer, vice president Starbucks Card and Brand Loyalty. "With mobile payment, the Starbucks Card platform further elevates the customer experience by delivering convenience, rewarding loyalty and continuing to build an emotional connection with our customers."

To experience mobile payment at Starbucks, customers just need to download the free Starbucks Card Mobile App for select BlackBerry smartphones, iPhone or iPod touch mobile devices. More than one-third of U.S. Starbucks customers use smartphones, of which nearly three quarters use BlackBerry smartphone or iPhone mobile devices. In addition to the mobile payment capability, the app allows customers to manage their Starbucks Card account, check their card balance, reload their card with any major credit card (iPhone users can also use the PayPal feature), check their My Starbucks Rewards status and find a nearby Starbucks store with the store locator feature.

Customers can pay with their smartphone by holding their mobile device in front of a scanner on the countertop and scan the Starbucks Card Mobile App's on-screen barcode to make a purchase. Customers have successfully adopted this technology in test markets in Seattle, Northern California, New York and more than 1,000 Starbucks in U.S. Target stores.

Mobile payment is built on the Starbucks Card platform, which continues to experience significant customer adoption. Customers loaded more than $1.5 billion on Starbucks Cards in 2010, an increase of 21 percent over 2009, driven in part by the My Starbucks Rewards program which provides benefits to customers who pay with a registered Starbucks Card at participating stores. With the introduction of the quick and easy Starbucks Card Mobile App and the mobile payment feature, customer will find yet another reason to use their Starbucks Card for payment.

"Mobile payment is just one example of how we're continually innovating on behalf of our customers to enhance the Starbucks Experience," said Brewer. "A growing segment of our customers use smartphones, and through the Starbucks Card Mobile App, we're providing them with the fastest way to pay."


Available in the ACT Canada Members Only section of our web site. Click on the link below to access this section.

If you are a member of ACT Canada but do not have your login details please contact me - andrea@actcda.com.

Source: PYMNTS.com (01/25)

MasterCard and Telefonica announced a joint venture to lead the development of mobile financial solutions in 12 countries in Latin America where Telef�nica is present with the Movistar brand. This is a first-of-a-kind initiative where a payments and telecommunications company partner to create a new company focused on integrating the convenience and accessibility provided by mobile phones with a set of financial solutions that will work with existing electronic payment systems.

The new company, managed independently, will have a 50/50 ownership participation and will leverage banking relationships of both companies, Telefonica's telecommunications assets and MasterCard's payments expertise. The joint venture will have an open model to ensure interoperability among the banked and unbanked segments, and serve as a bridge between the financial and telecommunications sectors. It will seek to provide 87 million current and potential Movistar customers with mobile payment services that will be linked to a mobile wallet or prepaid account including money transfers, mobile airtime reload, bill payment and retail purchases, among others. In addition, some of these services such as receiving remittances may also benefit 200 million Movistar and non-Movistar mobile subscribers in the 12 Latin America markets included in the joint venture.

This initiative is a step toward achieving financial inclusion for the underserved in Latin America - positively impacting its economic development. Aside from offering convenience and security, the range of mobile financial solutions to be offered will be the most complete to date and widely accessible to all, regardless of their access to banking services.

Through this initiative, it is expected that acceptance of electronic payments will be expanded to enable what are today predominantly cash-based merchant locations and micro-businesses such as taxis, street vendors, among others, to accept mobile payments.

Financial inclusion and the development of society

As part of its objectives, the joint venture will seek to promote the financial inclusion of a high percentage of the Latin American population with difficult or no access to traditional banking systems for reasons such as low income or living in remote areas - to potentially have a positive impact to the economic development of the region.

Market research and customer surveys in Latin America both confirm that mobile phones are perceived to be convenient and safe, and therefore, an appropriate tool for financial transactions. It is also estimated that by 2014 mobile financial transactions will reach approximately US $63 billion in Latin America.

MasterCard Canada is a member of ACT Canada; please visit http://www.mastercard.ca.

Source: Contactless News (01/24)

Giesecke & Devrient announced that its Over-the-Air (OTA) SmartTrust DP platform now offers advanced SIM and mobile device management for handsets on LTE networks.

According to G&D, the expanded SmartTrust platform now provides mobile operators with a common, single platform for managing subscriber equipment regardless of network technology.

SmartTrust DP gives the choice of IP messaging supported by handset and SIM as well as the option to avoid delivering OTA messages while a subscriber is not in its home network.

With the expanded platform, the SIM can initiate an IP session with the SmartTrust DP HTTP server module. Additionally, SmartTrust DP supports polling by the SIM client, enabling periodic checks by the client to determine if a management session is required.

Beyond messaging, the platform implements functionality and services for event reception interfaces, configuration management, charging, user administration, operation and maintenance, logging, statistics, reports, data storage and an API for external access to the unified repository, says G&D.

Additionally, the modular architecture of SmartTrust DP allows mobile operators to deploy other applications such as SmartRoam for support of steering to LTE networks, SmartAct for managing LTE-specific files and SmartProvisioning for handling IMS and other data connectivity.

Giesecke & Devrient is a member of ACT Canada; please visit http://www.gi-de.com.

Source: Visa (12/07)

Visa Inc. and Visa Europe announced the commercial availability of mobile contactless payments enabled by DeviceFidelity's In2Pay microSD solution. For the first time in Visa's history, a mobile contactless payment solution is now included in the list of Visa compliant products available for potential commercial deployment by financial institutions in the U.S. and select markets.

Following 18 months of technology development in partnership with Texas-based DeviceFidelity, and trials with leading financial institutions in the United States, Europe and Asia, Visa has tested and supports commercialization of In2Pay microSD for use with leading smart phones.

Smartphone models compatible for use with this landmark technology include the BlackBerry BoldTM 9650[2], the iPhone 4, the iPhone 3GS, iPhone 3G, and the Android based Samsung Vibrant Galaxy S, representing three of the leading mobile operating systems in the world. Visa expects to add additional phone models for use with this technology, including phones based on the Symbian and Windows operating systems.

"This is a historic milestone for Visa and its clients," said Bill Gajda, head of Visa Mobile. "In addition to issuing plastic magnetic stripe or chip-enabled payment cards, financial institutions can now consider offering their account holders a new technology that enables them to transform their existing phones into fully functional mobile payment devices."

From Trials to Commercial Availability

The compliance testing process for mobile devices established by Visa includes extensive technical, security and usability testing with respect to the Visa mobile payment functionality. It ensures reliable and secure Visa transactions that are compatible with the global standard for chip-enabled payments, and establishes a required signal range for all mobile contactless payments. Visa's compliance testing process ensures the combination of the phone; secure chip and mobile payment application will provide the level of user experience Visa accountholders have come to expect from Visa.

The microSD payment technology has been developed in partnership with DeviceFidelity and had previously been available only to financial institutions who were participating with Visa in mobile payment trials including some of the largest financial institutions in the U.S. - JP Morgan Chase, Wells Fargo Bank, US Bancorp and Bank of America. Now, Visa issuers can obtain the technology under Visa's standard contract terms and can load the Visa mobile payment application to microSD cards.

Issuers who choose to adopt the technology can provide their account holders with a tiny microSD card that can be inserted into the phone's existing memory slot to enable the device for payment. The technology is compatible with existing contactless payment terminals already installed at retail outlets worldwide and enables account holders to simply hold the phone in front a payment terminal in order to pay.

This technology also opens the way for mobile operators, retailers and other stakeholders in the payments ecosystem to partner with financial institutions to bring Visa mobile payment functionality to consumers.

"This is a significant step towards the next generation of payments, loyalty and rewards, allowing banks and retailers to build entirely new business models" says Nick Holland, Senior Analyst with Yankee Group. "Visa's announcement clearly illustrates that the future of payments will be mobile."

Financial Institutions have the option to integrate Visa's mobile payment solution into their existing mobile application, and offer additional services such as Visa transaction alerts that notify account holders in near real-time of account activity, and targeted merchant offers that are tailored to consumer lifestyle and location. Together, these services have the potential to enhance the consumer payment experience and allow account holders to better manage their payment accounts.

With nearly 5 billion mobile handsets in market around the globe, consumers everywhere have come to rely on their mobile phone as a part of everyday life. According to IDC[3], smart phone shipments globally are expected to increase 24% in 2011, helping drive continued growth in more robust and powerful mobile devices that are capable of supporting contactless payment.

Visa Canada is a member of ACT Canada; please visit http://www.visa.ca.

Source: MULTOS (12/07)

Many banks in Venezuela have begun the process of migrating their payment cards to EMV. It is an impressive feat by the technical teams, in the banks and the local organizations supporting them, to have adopted and embraced the EMV technology in such a short amount of time. The impetus behind this focus and energy is due to the banking industry jointly working with the government to ensure strong mandates are in place for migration to the more secure EMV chip cards for bank cardholders.

With a target of being ready for smart card issuance before the end of 2010, this obviously required some serious action to analyze solutions that could both reduce project risks while allowing flexibility for future requirements and yet achieve the fastest time to market. This was a key factor that led to solutions from Multos International to be chosen by a number of the largest issuers in the country. Using MULTOS technology has proven to those banks the security, flexibility and cost effectiveness of the platform and importantly, meeting the stringent timeframes required to deliver a working product into the market. Three of the top banks in Venezuela have selected MULTOS as their main platform for their MasterCard and Visa card issuing, Banco de Venezuela, Bicentenario and BBVA Provincial have already started the migration based on MULTOS. This is a great result and now brings 7 of the top 10 banks in Venezuela using MULTOS technology. This again highlights the strengths of MULTOS products in the region, with the top banks in most of the markets moving first to EMV such as Mexico, Colombia and now Venezuela, choosing to go with MULTOS technology.

Supporting these banks in Venezuela and a key partner in Latin America is NEWTECH Solutions. Newtech brings a deep knowledge of MULTOS and the right technical expertise to support EMV issuers with the tools and know-how to ensure a smooth and successful project. Having recently joined the MULTOS Consortium, Newtech continues to drive the technology in the region and is a welcome new member of the vibrant and growing consortium.

MULTOS is a member of ACT Canada; please visit http://www.multos.com.


Available in the ACT Canada Members Only section of our web site. Click on the link below to access this section:

If you are a member of ACT Canada but do not have your login details please contact me - andrea@actcda.com.

Source: Gemalto (12/07)

MasterCard, Garanti Bank, Gemalto, and Turkish mobile phone provider Avea will go live with a so-called 'BeaverTail' NFC antenna-equipped SIM card mobile payment service in Turkey.

The service, which involved attaching a floppy antenna to a mobile phone SIM card inside the phone - will enable clients in Turkey to make contactless payments using credit, debit, public transit passes or by using bonus points from a loyalty-card scheme.

The adapted SIM cards can be picked up at participating Avea stores. BonusluAvea customers in Turkey will also be given digital coupons for gifts and discounts as part of the roll-out campaign.

Mehmet Sezgin, CEO at Garanti Bank says the bank had been using mobile stickers as part of its Tap&Go payments programme in Turkey, but wanted a better service to offer its "young customers".

Garanti Bank and MasterCard have a five year old 'experimental project' partnership for innovative payments programmes.

Garanti Bank's new mobile contactless service also relies on MasterCard's PayPass service for mass transit.

Gemalto and MasterCard Canada are members of ACT Canada; please visit http://www.gemalto.com & http://www.mastercard.ca.

Source: Business Wire (12/07)

Hypercom Corporation introduced the M5000 mobile payment terminal, the next generation multipurpose mobile payment system whose futureproof features will protect the investments of a broad spectrum of merchants worldwide, from hotels and restaurants to taxis and delivery companies.

"Merchants demand payment products that not only expedite the secure transmission of vital transaction data, but also serve as a platform to deliver value-added services to customers, independent of location," said William Rossiter, Vice President, Global Marketing, Hypercom Corporation. "With our M5000 mobile payment system, we introduce the second in a series of products that run on our next generation platform, include our industry-leading security, deliver the latest features and technology for the lowest total cost of ownership, and thus will enable merchants to deliver new services to their customers today, and well into the future."

Building on innovations incorporated in its sought-after L5000 multilane product family, Hypercom's new M5000 is a sleek in-hand mobile payment system with a vibrant 3.5" color icon-capable touch screen display that enables new ways to interact with the cardholder. The most up-to-date mobility, communications and connectivity options available and an integrated contactless reader let merchants accept any type of card payment anywhere, anytime. Initially supporting GPRS and Bluetooth connectivity, the first M5000 configurations are ideally suited to the needs of hotels, caf�s and restaurants, as well as mobile merchants.

"By bringing to market futureproof systems like the L5000 and M5000, we safeguard our customers' investments in the fast changing world of payment acceptance and open the door for customers to generate revenue with value-added services, even without payment," said Mr. Rossiter.

Hypercom is a member of ACT Canada; please visit http://www.hypercom.com.

Source: Oberthur Technologies (12/08)

Oberthur Technologies launched the NFC SIM Adaptor, an innovative solution for mobile operators wanting to deploy NFC services - Payment, Transport, Retail and Loyalty - with quick time-to-market and without major investment nor handset availability constraints. Inserting an NFC adaptor in an existing handset immediately turns it into an NFC-enabled phone.

Oberthur Technologies' return of experience in supporting its customers - mobile operators, financial Institutions, transport operators and retail groups - is that one of the decisive factors that will condition end-user NFC services adoption will be the availability of attractive and cost-effective NFC equipments. Since only a few NFC phones are available at this stage and some users may not be ready to change their current handset, the best solution to accelerate market adoption is to turn phones already in the field into NFC phones.

Made up of an NFC antenna and controller attached to an NFC SIM card, the NFC SIM adaptor is a plug and play solution compatible with many fashionable smartphones and feature phones and designed to be easily inserted in the traditional SIM card slot. Future proof, when the user will buy an NFC phone he will just need to remove the antenna from the SIM and will still be able to use his NFC services.

"The NFC Adaptor supports all NFC features including battery off, tag reading and peer-to-peer. Our NFC SIM Adaptor offer is the answer for mobile operators willing to deploy NFC services in the field now while ensuring end-user adoption", said Arnaud de la Chapelle, Convergence and Solutions General Manager, Card Systems Division at Oberthur Technologies.

Oberthur Technologies is a member of ACT Canada; please visit http://www.oberthur.com.

Source: PRWEB (12/03)

NBS Technologies (US) Inc. "NBS" announced the development of personalization scripts for Tyfone's SideTap microSD secure memory cards via SideTap API to be integrated with EMV UbiQPersoMaster� personalization software enabling mobile contactless payment for Near Field Communication (NFC) applications. New and existing NBS customers using UbiQPersoMaster software can take advantage of this and play a role in the fast growing NFC market.

"Our partnership with Tyfone has empowered Financial Institutions and Card Service Bureaus to personalize payment applications on microSD cards either in a central issuance environment using PersoMaster or in an instant issuance environment using Xpressi", said Ramesh Ajitaprasad, General Manager of NBS' Software Division. "Either environment offers a safe and secure process that meets the standards of issuers and complies with VISA and MasterCard requirements."

"We are excited to have completed this integration of NBS issuance environments with the SideTap API," said Todd Nuzum, Tyfone's VP of Technology. "With this we can extend personalization to Tyfone SideTap cards using the memory card interface. This allows for higher throughput with a smaller footprint and for targeted content preloading."

Instant issuance via NFC enables a positive user experience for both organizations and their customers. Consumers will be able to quickly and conveniently personalize their data, at the distribution point, to their Tyfone SideTap memory card, providing immediate access to contactless payments. This is good news for retailers as the convenience of instant issuance, enables retailers to preload relevant content that provides consumers with pertinent offers leading to increased transactions. The technology will amplify the convenience of contactless payments, and consumers can rest assured, as it fully meets worldwide security requirements for both EMV and MSD contactless specifications.

NBS Technologies is a member of ACT Canada; please visit http://www.nbstech.com.


Available in the ACT Canada Members Only section of our web site. Click on the link below to access this section:

If you are a member of ACT Canada but do not have your login details please contact me - andrea@actcda.com.

Source: UseMyServices (12/01)

Canadian-based UseMyServices announced the launch of two new fully customizable payment solutions, UseMyBiller and UseMyWidget.

Based on the Software as a Service model (SaaS), UseMyBiller can be completely customized, from the look and feel of the customer's entire checkout experience, to the countries and banks offered. The new service can be easily integrated into existing payment and anti-fraud systems with minimal impact on a company's existing IT resources.

The real advantage of the new payment solution, however, is that it will allow the customer to pay for their purchases using their own online banking service, with the funds then settling directly to the Merchant's own bank account.

"This new payment model has the ability to completely change a company's cash flow management," states UseMyServices founder and CEO, Joseph Iuso. "UseMyBiller merchants receive payments from their customers in the shortest time frame possible, directly into their bank account. For the first time - the merchant is in absolute control of their money, from the beginning to the end of the transaction cycle."

"Success in the global eCommerce marketplace means providing your customers with the widest range of payment solutions possible," said Melody Wigdahl, VP, Global Merchant Services. "Our initial tests included a bank-owned money remittance service and a public utility company - both companies were not only very pleased with the high customer adoption rate of the service, but also with the enhanced cash flow management the new service provides them."

UseMyWidget is the 'lite' version of UseMyBiller, offering slightly less on the customizing side but an even easier integration cycle, and is perfect for the company with limited IT resources.

UseMyServices is a member of ACT Canada; please visit http://www.UseMyServices.com.

Source: Contactless News (01/06)

Ingenico, a provider of payment devices and services, has announced the release of its new On-Guard payment transaction encryption and tokenization service for independent software venders (ISVs) and merchants.

According to Ingenico, On-Guard is built on the industry standards of 3DES DUKPT for point-to-point encryption (P2PE) and host-based tokenization technology, providing secure transaction processing and stored data security, as well as pre and post-authorization, by encrypting and tokenizing card data at the point-of-sale.

On-Gaurd is compatible with Ingenico payment devices already on the market and offers an array of key differentiators such as encrypting sensitive cardholder data from swiped, manually keyed, contactless and smart card data transactions.

McAllister Software Systems, creator of AVImark software and other practice management tools for the veterinary industry, is the first ISV to integrate Ingenico On-Guard with its payment card processing service.

Ingenico is a member of ACT Canada; please visit http://www.ingenico.com.

Source: FIME (01/13)

FIME, independent society offering expertise and consulting in the smart card domain, is the first on the market to obtain a full EMVCo qualification for the implementation of the EMV 4.2c test plan. FIME thus confirms its ability to quickly adapt its offer to the market's needs and technological evolutions. The EMV 4.2c library is now available for the EVAL tool.

Thanks to this update EVAL becomes the first EMV 4.2c qualified test tool on the market. With this addition, EVAL enables laboratories to offer EMV 4.2c Type Approval testing and terminal manufacturers to test the compliance of their products.

EMV specifications are built to ensure the worldwide interoperability of terminals and smart cards. This aim also applies to new payment means, in particular mobile payment and contactless payment.

The EMVCo test process is divided into two levels: Level 1 testing which is required for the physical, electrical and protocol layers of a terminal and Level 2 testing which is obligatory for terminal applications.

Since the 1st of December 2010, all terminal suppliers and laboratories must respect the new Level 2 testing requirements laid out in the EMV 4.2c test plan. These are essential to meet the latest EMV specifications.

EVAL, an advanced tool for EMV 4.2c certification
The EVAL test tool carries out Level 2 conformance tests for contact or contactless payment terminals. EVAL also includes an automation module which allows users to gain a significant amount of time in the testing process.

FIME is a member of ACT Canada; please visit http://www.fime.com.

Source: Watchdata (12/08)

Bank Asya and Watchdata announced their collaboration to provide microSD-based mobile payment solution in Turkey, the "DIT Mobil". Consumers could expect better experience and convenience tapping their mobile phone on different mobile payment services brought by DIT Mobil.

DIT Mobil utilizes Watchdata's SDpass technology that allows the implementation of multiple payment applications, such as retail, transportation and many others on a single and highly secure portable device. DIT Mobil is the latest member of DIT Card family that aims to provide city cards, campus cards and mass public transportation solutions in Turkey. DIT MOBiL utilizes MasterCard's innovative contactless technology MasterCard PayPass that provides consumers a fast and convenient alternative to cash.

DIT Mobil is as a complementary part of the DIT Project and city card solution of Bank Asya. DIT Mobil will be used in all EMV contactless terminals including Bank Asya's bus validators, ferry turnstiles, taxis and many others. Furthermore, all KGS tollway gates will accept DIT Mobil. DIT Mobil would allow users to pay by simply tapping their mobile phone in front of a secure point-of-sale (POS) contactless terminal, providing them with the convenience of shorter transaction and queue times and a quick and hassle-free retail experience.

"Mobile Phones and Payment Cards are the most indispensible assets of modern life. DIT Mobil is gathering all advances of both environments in one solution." says Cemil �zdemir, President and CEO for Bank Asya. "Project team have designed an easy to use and highly secure product. I would like to thank participants of this innovation project on behalf of Bank Asya."

Bank Asya and Watchdata works closely with MasterCard to ensure that payment and chip security comply with the most advanced smart card security standards available. MasterCard is helping Bank Asya to transform financial services with mobile innovation to fulfill a global market need. The collaboration hopes to achieve high acceptance rate of the microSD-based solution as the Near Field Communications (NFC) technology of choice in the field of cashless payment.

The integration of DIT Mobil and Bank Asya's existing contactless mobile environment will be done and adapted by SmartSoft.

SmartSoft Information Technologies, MasterCard M/Chip third party accredited vendor and pioneer in the sector, provides services for card payment system and smartcard technology, and implement innovative projects throughout Europe and the world. As a personalization solution provider of DIT Mobil, SmartSoft Information Technologies is proud of being the part of this innovative project, which will be one of the forerunners in NFC world.

Given that millions of current mobile phones offer microSD support, DIT Mobil combined with MasterCard's contactless PayPass technology allows Bank Asya to migrate its current DIT card programs to the mobile platform.

MasterCard Canada and Watchdata are members of ACT Canada; please visit http://www.mastercard.ca & http://www.watchdata.com.

Source: ICMA Industry News (12/29)

Oberthur Technologies has announced the development of MasterCard's M/Chip Advance on the Cosmo Fly v4 platform, its brand new range of dual interface card products.

"The integration of M/Chip and PayPass on the same platform, using the M/Chip Advance payment card application, will make the roll-out of dual interface cards faster and easier for issuers worldwide", said C�dric Collomb, Cards & Services general manager of the Card Systems Division at Oberthur Technologies. "Oberthur Technologies is dedicated to creating solutions that generate additional value and convenience for its customers which include issuers, transport operators and loyalty providers", he added.

In addition to a number of payment-related enhancements, M/Chip� Advance also offers Integrated Data Storage capabilities to address the demand for new solutions in sectors such as transit, loyalty, campus and government benefits.

Dave Meadon, group head of Chip Solutions and Engineering at MasterCard Worldwide commented: "Integrated Data Storage provides the capability to enrich payment transactions by incorporating cardholder-and third-party data at the point-of-interaction. This will facilitate new partnerships in the payments industry and enable new transaction scenarios to emerge. M/Chip� Advance will drive greater utility from payment cards enabling them to achieve 'top of wallet' status, a key consideration for all stakeholders in the payments business".

Cosmo Fly v4 featuring M/Chip Advance demonstrates Oberthur Technologies and MasterCard's commitment to innovation.

MasterCard Canada and Oberthur Technologies are members of ACT Canada; please visit http://www.mastercard.ca & http://www.oberthur.com.

Source: Contactless News (01/18)

MasterCard announced a new, multi-million pound partnership with Transport for London (TfL) for the exclusive branding of TfL's Oyster card wallet for 2011.

The Oyster card wallet is distributed with all newly issued cards and is available from tube and rail stations and Travel Information Centers.

The initiative is part of MasterCard's greater strategy to raise awareness of MasterCard PayPass contactless payments in transport systems, according to the company.

London is moving towards a new payment system that will enable commuters to pay for fares on trains, tubes and buses with the same contactless credit, debit or prepaid card they use to make everyday purchases, says MasterCard.

Hany Fam, President of the UK & Ireland Division at MasterCard, said: "Oyster has been a huge success, providing millions of consumers every day with a convenient way of accessing London's transport system. But we believe that MasterCard PayPass can offer even more. We will be distributing six million wallets in the capital next year, with travellers in London tapping their Oyster cards over 13 million times a day."

The partnership, negotiated by UM London with a campaign planned by CBS Outdoor and IPM, will also see MasterCard brand London Underground ticket barriers to support its key initiatives and sponsorship properties over the coming year, including the UEFA Champions League Final in May 2011.

MasterCard Canada is a member of ACT Canada; please visit http://www.mastercard.ca.

Source: Gemalto (01/26)

Gemalto announced that it has started to deliver its electronic passport solution to Korea's National Printer, Korea Minting and Security Printing Corporation, through its local partner LG CNS. Electronic passports greatly enhance security while providing citizens with a convenient way to travel.

Gemalto provides in particular its highly-secure, high-performance ePassport Operating System that speeds up border control. Its Sealys ePassport solution also increases personalization performance, significantly reducing issuing cost. In Korea, the Gemalto ePassport Operating System and application software are embedded in Gemalto's highly durable electronic covers.

The protection of citizens' personal information also requires an extremely high level of security. This is ensured by various technologies that are part of Gemalto's ePassport Operating System, which has been certified against the international "Common Criteria" security evaluation process.

Gemalto's ePassport technologies are used in over 20 national ePassport programs worldwide including Estonia, Denmark, France, India (diplomatic), Malta, Morocco, Norway, Portugal, Qatar, Singapore, Sweden, Turkey and the United States of America.

Gemalto is a member of ACT Canada; please visit http://www.gemalto.com.

For more information, please contact Andrea McMullen at 1 905 426-6360 ext 124 or email andrea.mcmullen@actcda.com.

Please forward any comments, suggestions, questions or articles to andrea.mcmullen@actcda.com. Please note that articles contained in this newsletter have been edited for length, and are for information purposes only.