Engaging, Enabling and Evolving Commerce in Canada since 1989

June 2013 ACTion Newsletter


  1. Editorial - Time for a mid-year update
  2. ACT Canada Announces the 2013 Innovation Award Winners
  3. SecureKey Brings Hardware-Based Security to MasterPass Digital Commerce Platform
  4. AIMIA Announces Groundbreaking Transformation of Aeroplan Program; Signs New 10-Year Financial Credit Card Agreement to Commence In 2014
  5. MasterCard Makes It Easy For Canadians to Travel Smarter
  6. Collis Brand Test Tool Now Qualified By MasterCard for Contactless NIVTesting
  7. South Africa Selects Gemalto for Its National Electronic Identity Card Program
  8. INSIDE Secure's VaultSEcure Se Supported By NBS' TSM
  9. paySmart Launches EMV Solution in the Cloud Using Multos
  10. Banamex and Ingenico Join Efforts to Massively Introduce Contactless Payment In Mexico
  11. Visa Embraces Global Mobile Commerce
  12. Oberthur Equips Samsung Galaxy S4 with NFC
  13. ICC Solutions Achieves Third Party Accreditation with MasterCard
  14. FIME Becomes First Lab to Achieve EMVCo Qualification In North America
  15. In a First, City Of Oakland Issues an ID That Doubles as a Debit Card
  16. The Google Wallet News That Wasn't
  17. Gemalto Delivers Micro-Banking Technology in Bangladesh
  18. China Mobile and China UnionPay Launch NFC Payments Service
  19. Apple Files Patent for Digital Wallet
  20. Multos International Releases New Products
  21. ACCEO Solutions Presents Acomba E-Commerce
  22. PCS Launches Breadcard Prepaid Corporate MasterCard for The UK Scrap Metal Industry Powered By Carta Prepaid Platform
  23. INSIDE Secure and CPI Card Group Announce Availability of MasterCard M/Chip Advance in The US
  24. ING Direct Launches Remote Cheque Deposit
  25. VeriFone and Lenovo to Deliver Windows-Based Mobile Point-Of-Sale Platform
  26. WWPass Corp. Unveils Security Pack Version 2.3
  27. Nets and Ingenico Introduce Mobile Payment Secure Solutions (Mpos) For Smartphones and Tablets
  28. Gemalto Enables EMV Payment for Telefonica-MasterCard Joint Venture In Brazil
  29. Collis Brand Test Tool Integrates with Visa CCRT Tool

ACT Canada Partner:


Visa Canada Inc.
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.



EWA-Canada ~ member since 2004
ING Direct ~ new member


Advanced Card Systems Ltd. ~ new member
Bulloch Technologies ~ new member
Canadian Federation of Independent Businesses ~ new member
Elavon Canada Inc. ~ new member
NXP Semiconductors ~ member since 2006
Royal Canadian Mint ~ member since 2005
UL ~ member since 2006


Jacqueline Chilton ~ new member
LR Consulting ~ new member
Waitara Consulting ~ new member



There is a lot of movement in the market, so if you are looking for new employees, we are always aware of some great people. Please contact ACT Canada for more details – postings@actcda.com


October 6-10, 2013
Las Vegas, NV, USA

November 19-21, 2013
Paris, France

Source: Catherine Johnston, President & CEO, ACT Canada (06/27)

Time for a mid-year update.

China is open for business. Representatives of China Union Pay met with several ACT Canada members last week to discuss business and announced to all Cardware delegates that they are interested in developing new relationships. Frank Xu, Executive Director of the Smart Card Federation of China stated that his organization would be pleased to help companies who wish to enter the Chinese market.

The Ontario Ministry of Economic Development, Trade and Employment met with merchants, app developers and the ACT Canada Mobile Strategic Leadership team at Cardware, to better understand the challenges and opportunities present in Ontario's Mobile Payments sector. The question to be answered is whether Ontario can be a global leader in mobile app development. As key payment stakeholders, merchants discussed what they want, and don't want, from m-commerce.

Payment stakeholders are discussing the future of e-wallets because progress has been slower than expected. Mobile payment is also a hot topic, but for a different reason. Stakeholders are now looking at how to move from one issuer, one mobile network operator to any issuer, any MNO. It is expected that the process will take up to 3 years, given the complexity of the business agreements. It was great to hear David Robinson of Rogers talk about the future of m-commerce at Cardware. Although many discussions have been held behind closed doors over the past 5 years, having a large group of issuers, merchants, suppliers and other payment stakeholders in the same room was valuable.

One of the challenges will be in the area of defining agreements with end users. Brigitte Boutin, Deputy Ombudsman for Banking Services at OBSI, provided Cardware delegates with best practices. Delegates also heard from a panel of experts on how to deal with other partnership complexities.

These were just a few of the things that happened at Cardware this year. My thanks to all who participated.

On the government front, the Province of Ontario has budgeted to remove the red and white health cards, mentioned in several auditor general reports as a source of fraud. This could be seen as progress if it were not for the fact that it allows for 5 years to complete the task. Five years is what the government said it would take when they introduced the green cards in 1995. Citizens of British Columbia can be proud of their government which recognized that fraud was an issue and went from outdated cards to the state-of-the-art in 18 months. Ontario is simply talking about replacing red and whites with greens. Why can't we do what BC has done so well?

Source: ACT Canada (06/27)

ACT Canada was pleased to present the 2013 Innovation Awards at Cardware 2013 last week. Congratulations to our 2013 Innovation Award Winners:

Canadian payments innovation benefiting merchants
BRONZE: Digital Retail Apps for Digital Retail App
SILVER: Royal Canadian Mint for MintChip
GOLD: CIBC for CIBC Mobile Payments

Canadian payments innovation benefiting consumers
BRONZE: Royal Canadian Mint for MintChip
SILVER: Giesecke & Devrient for TD Canada Trust Visa Debit Interac Card
GOLD: CIBC for CIBC Mobile Payments

Canadian payments innovations benefiting issuers
BRONZE: Giesecke & Devrient for SP-TSM for the first commercial mobile payments in Canada
SILVER: Everlink Payment Services Inc. for Enhanced Contactless Enabled Instant Card Issuance (ICI) Solution
GOLD: Giesecke & Devrient for TD Canada Trust Visa Debit Interac Card

International payment innovation benefiting merchants
SILVER: Gemalto for Allynis Trusted Service Manager
GOLD: Ingenico for Ingenico's iSMP Companion

International payment innovation benefiting consumers
SILVER: Oberthur for Secure Application Suite for Wallet Management
GOLD: Ingenico for Ingenico's iSMP Companion

International payment innovation benefiting issuers
SILVER: Oberthur for Secure Application Suite for Wallet Management
GOLD: Gemalto for Allynis Trusted Service Manager

ACT Canada Hero Awards
Christian Ali of SecureKey Technologies
Jim Robbins of EWA-Canada Ltd.

People's Choice Award (as voted by Cardware delegates)
CIBC for CIBC Mobile Payments

Our thanks once again for all the submissions we received and to the judges for their time and effort. We look forward to receiving your submission for next year's awards!

Source: SecureKey (06/12)

SecureKey Technologies Inc announced that its briidge.net DNA security software and briidge.net Enterprise authentication service have been integrated with MasterPass, the new digital commerce platform from MasterCard. SecureKey briidge.net DNA combined with Intel Identity Protection Technology (Intel IPT), provides MasterPass wallet holders and merchants with an additional level of hardware-based security to help reduce fraud risk and to help ensure safer, more convenient online payment transactions.

"MasterPass is designed to enable consumers to shop more confidently and safely and has been made even better with the help of SecureKey authentication services and technology using Intel IPT," said Edward Olebe, group head of MasterPass, at MasterCard. "We are delighted that consumers using the MasterPass service can now benefit from the enhanced security and convenience they receive on Intel IPT-enabled devices, such as Ultrabooks."

Intel IPT helps provide a simple, tamper-resistant method for protecting consumer and business data from threats and fraud. As a feature in all Intel-inspired Ultrabook devices and PCs with the latest Intel Core processors, Intel IPT is a key component in enabling hardware-based two-factor authentication solutions for online websites and business log-ins. The combination of briidge.net DNA and Intel IPT is a result of a collaboration SecureKey established with Intel to enable strong authentication solutions for various vertical market applications.

"Intel is excited to be working with MasterCard and SecureKey to bring a new level of hardware-based authentication capabilities based on Intel IPT to MasterPass-connected wallets," said George Thangadurai, general manager of the PC Client Services Division at Intel Corporation. "MasterPass is a perfect example of how Intel IPT working with briidge.net DNA can provide a hardware root of trust that can be utilized by multi-factor authentication solutions for identity protection and transaction verification."

Consumers can link any Intel IPT-enabled device to MasterPass-connected wallets and attain hardware-based security benefits because briidge.net DNA technology is integrated in all Intel IPT-enabled devices.

For select Intel IPT-enabled devices that have near field communication (NFC) capabilities, the SecureKey solution lets the consumer pay for online transactions by simply tapping a MasterCard contactless payment card on their computer. The SecureKey solution reads the contactless bank card and performs the card authentication using the existing issuer payment network over an encrypted channel. This implementation provides equivalent security to a card-present transaction, which over time may significantly reduce the fraud risk for card issuers and lower transaction costs for merchants. The NFC capabilities also eliminate the need for the consumer to manually enter payment and shipping information by allowing consumers to load new cards into MasterPass-connected wallets quickly and easily with a simple tap.

"Working closely with MasterCard and Intel, we have succeeded in creating a hardware-based authentication solution for MasterPass that is convenient, intuitive and simple to use for the consumer," said Charles Walton, CEO of SecureKey. "With tap-to-pay and tap-to-load convenience, the online shopping experience is now designed to be safer and more compelling."

MasterCard and SecureKey Technologies are members of ACT Canada; please visit www.mastercard.ca & www.securekey.com.

Source: Canada Newswire (06/27)

Aimia announced groundbreaking changes to the Aeroplan program. The transformation, which is expected to reinforce Aeroplan's position as the leading premium coalition loyalty program in Canada, was announced in conjunction with a framework for an enhanced ten year financial credit card agreement to become effective from January 1, 2014.

"Today's announcement is about launching an outstanding loyalty experience that puts members first and extends Aeroplan's position in the Canadian loyalty market" said Rupert Duchesne , Group Chief Executive of Aimia. "We have built an Aeroplan program that provides high earning members with the rewards and recognition that they deserve and desire, rewarding them for the miles they earn - whether it is with our airline, travel, retail or financial card partners - while maintaining the fantastic core value that benefits all of our members.

"The changes announced today are expected to redefine the Canadian loyalty space, and reinforce Aeroplan's market leadership in Canada over the next decade by providing significantly improved benefits to members through major new investments in the Aeroplan value proposition. The changes create a paradigm shift for global travel-based loyalty programs, extending access to an unrivalled loyalty experience to both top accumulating financial cardholders and frequent flyers. Aimia expects these changes to drive improved growth and strong free cash flow generation over the longer term for shareholders.

Aeroplan Program Enhancements In addition to the market leading value of Aeroplan's ClassicFlight rewards which will continue to give members access at low fixed mileage levels to Star Alliance carriers and to 8% of seat capacity on Air Canada routes, members will also start enjoying a range of important and innovative program enhancements as of January 1, 2014. These will include:

The launch of Distinction, a new tiered recognition program that rewards top accumulating members with preferential mileage levels for redemption. Distinction is a unique member recognition program independent from Air Canada's Altitude program. Distinction levels are achieved based on total miles earned across all coalition partners including airline, travel, retail and financial card partners;

New Market Fare Flight Rewards to replace ClassicPlus Flight Rewards; offering members significantly improved value, with all members able to take advantage of mileage levels reduced by up to 20%, and Distinction members enjoying reductions of up to 50%;

The cancellation of the seven-year mileage redemption policy, with miles no longer expiring for members active in the program each year.

"Aeroplan has been driving innovation in customer loyalty since its inception in 1984 and we're proud of all we've achieved. Our members' feedback has inspired the transformative changes that we will be bringing to the program in 2014. It is this commitment to delivering the best customer loyalty program in Canada that will not only foster continued member engagement, but we are confident it will also attract new members to the program," added Duchesne. "This is also about getting the right economics in place for the future. New investment should deliver growth, ensure alignment for coalition anchor partners like Air Canada and deliver significant value for our shareholders over the longer term."

A Framework for a Financial Credit Card Partner for the Next Decade Over the last 18 months, Aimia has run a renewal process for Aeroplan's financial card portfolio to define an enhanced partnership aimed at delivering growth over the next decade.

The agreement announced today sets out a framework for an enhanced financial credit card relationship. The provisions of the new agreement will help fund the enhancements to the Aeroplan program being announced today.

TD Bank Group ("TD") will become Aeroplan's new financial credit card partner for the 10-year period effective from January 1, 2014, replacing CIBC, unless CIBC chooses to exercise its contractual right to match the terms of the agreement which expires on or before August 9, 2013. Aeroplan's current agreement with CIBC will continue until December 31, 2013.

Members can continue to earn miles as usual on their CIBC Aerogold co-branded credit cards and take advantage of any Aeroplan promotions related to these cards for the remainder of 2013. Negotiations with

American Express are proceeding in parallel and are ongoing. "We entered into this process with a clear objective - to grow the portfolio with a bank who is committed to building the Aeroplan program with us. The process we have run has confirmed the attractiveness of the Aeroplan portfolio. Under the terms of the new agreement, our financial card partner will contribute to the funding and support required to transform the program and drive increased engagement among premium Canadian consumers," added Duchesne. "Recognizing that more than half of Aeroplan Miles accumulated in 2012 were earned through financial card spend, a successful credit card partnership is an important element of our longer term evolution."

Features of New Credit Card Offerings New Aeroplan co-branded financial credit cards, to be launched in 2014, will provide cardholders with more flexible options, better earn rates and new recognition features; all of which is in addition to the benefits to be added under the Distinction program.

A new enhanced premium card targeted at high net worth Canadian households, with a higher earn rate, will be offered, in addition to premium and mid-market credit cards. The launch of two additional co-branded targeted credit cards is expected to include:
- one aimed at customers travelling frequently between Canada and the United States; and
- a second specifically for Canadian small business owners, which will allow small business owners to choose additional features and benefits specifically designed to their needs.

Both the enhanced premium and premium cards will include a suite of unique Air Canada features and benefits. In a number of instances during 2014, annual fees will be waived and bonus miles awarded to welcome members to the new cards.

AIMIA, American Express, CIBC and TD Bank are members of ACT Canada; please visit www.aimia.com, www.americanexpress.ca, www.cibc.com & www.td.com.

Source: Canada Newswire (06/26)

MasterCard Canada and subsidiary Access Prepaid Worldwide announced the launch of Cash Passport Prepaid MasterCard Currency Card, in time for Canadians travelling locally or abroad this summer. The Cash Passport will change the way you think about your money when travelling. It allows you to pre-load your travel money for safe and convenient use at millions of ATMs, shops and restaurants worldwide. For travellers, prepaid cards are a more secure alternative to the once-popular Travellers Cheque or large sums of cash.

According to a recent study conducted by Leger Marketing on behalf of MasterCard Canada:

Eighty-four per cent of Canadians have travelled within the past 12 months, either for business or leisure.
On average, Canadians are spending $3,915 during their leisure travels outside Canada; a sum of money large enough to create a noticeable bulge in anyone's wallet.

Fifty-nine per cent of Canadians obtain cash in the local currency in advance of their trip and 34 per cent of Canadians obtain cash in the local currency while travelling.

If you lose your Cash Passport or it is stolen, simply calling a toll-free number will help protect the funds on the card. Conversely, when cash is lost, it is not replaceable.

"We develop innovative ways to make paying for travel a seamless experience, and the Cash Passport delivers a convenient, budget-friendly way for Canadians to manage their money while travelling locally or abroad. Canadians looking to get on the road should feel comfortable knowing their cash is stored securely on the prepaid Cash Passport," said Tom McTague, VP, Prepaid at MasterCard Canada.

The Cash Passport offers travelers the following benefits:

Security - The card is secured with the latest chip and PIN technology. With the benefit of Global Assistance, if your card is lost or stolen, the 24/7 Card Services team can arrange free replacement cards or provide emergency cash up to the available balance on your card. Additionally, the card is not connected to your bank account, which creates a barrier to identity theft.

Budget Control - The Cash Passport is all about putting you in control of your travel money. Straightforward pricing and up-front foreign exchange means you'll know exactly what it costs to get and use the card. When you have pre-loaded foreign currency on to your Cash Passport you will not be subject to fluctuating exchange rates throughout your trip.

Balance Checks - Never worry about the availability of your funds. You can check the balance on your Cash Passport any time by phone or online.

Reloadable - Simply take your Cash Passport and valid ID to a participating branch of the travel agent or retailer where you bought it within Canada, and they will reload your Card for you or by telephone.

Flexible - What you don't spend you can save for your next trip.

Prepaid Convenience - Withdraw local currency at millions of ATMs worldwide or pay for goods and services at retailers globally wherever the MasterCard Acceptance Mark is displayed.

"Canadians look to CAA for guidance on how best to travel safely, securely and conveniently," said Brenda Kyllo, Vice President of Travel Services, Canadian Automobile Association. "We sell the Cash Passport because it's a great travel tool that gives our Members easy, secure access to their funds wherever they are."

Steve Grigg, President at Access Prepaid Worldwide stated: "Not only does it provide a safe and secure way to carry your travel money, it has the back-up of our in-house team of friendly and expert staff 24/7."

Cash Passport MasterCard cards can be purchased at participating CAA stores, Travelex, ICE and Marlin Travel. Fees and limits vary between cards. For information please visit www.cashpassport.com.

MasterCard Cash Passport is issued by Peoples Trust Company pursuant to licence by MasterCard International. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International.

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

Source: UL (06/20)

UL is pleased to announce that the Collis Brand Test Tool, developed by UL's Transaction Security team, has passed qualification by MasterCard for Contactless Network Interface Validation (NIV) testing.

To correctly process PayPass transactions, acquirers need to validate their network interfaces with MasterCard. NIV testing checks that authorization and clearing interfaces are in accordance with the current MasterCard requirements. NIV Subset 7 ensures that acquirers send correctly formatted PayPass M/Chip authorization requests and successfully process the resulting response messages.

UL Transaction Security has recently implemented the NIV Subset 7 in the Collis Card Simulator, which is an integral part of Collis Brand Test Tool. This new implementation includes two brand new card simulations related to mobile behavior (MCC_420 and MSI_420) to cover the NIV Subset 7.

As a result, the Collis Brand Test Tool is now fully equipped to support acquirers in the full range of terminal and the network interface validations, as it is now qualified for both contact and contactless NIV testing.

"UL continues to develop high quality test tools for the payment market by improving and expanding the Collis Test Tool portfolio. This new qualification enables us to provide a complete solution for acquirers to successfully introduce PayPass on their terminals," adds Maxim Dyachenko, Service Line Manager Test Tools at UL transaction security.

Moreover, the Collis Brand Test Tool has the ability to simulate any test card, both contact and contactless. Using card simulation takes away the need for physical cards that can get corrupted or lost. It also provides full insight in the technical details of the communication between the card and the terminal on the one side and between the terminal and the network on the other side. This allows a tester to gain detailed insight in the end-to-end behavior of the system.

Collis, together with RFI Global and Witham Laboratories, was recently rebranded to UL. The Collis test tool portfolio will remain its strong brand and will continue to be further developed and expanded.

UL is a member of ACT Canada; please visit www.ul-ts.com

Source: Gemalto (06/05)

Gemalto will supply the Government Printing Works (GPW) of South Africa with Sealys eID cards for their national identity program. GPW will harness Gemalto's secure embedded software to protect the holder's image and biometric data within the secure identity e-document, delivering outstanding levels of integrity and privacy. Moreover, GPW selected the high-end Sealys document fitted with the contactless feature, ensuring added levels of convenience with unrivaled security for citizens.

Designed to modernize and replace South Africa's traditional, paper-based 'green book' identity documentation, the new Sealys eID card will be offered by the Department for Home Affairs (DHA) to citizens aged 16 and over. The South African government embarked on this service program to improve confidence in official identity credentials and to prepare for the deployment of a comprehensive suite of efficient and convenient eGovernment services.

Leveraging experience that already includes participation to over 80 national programs worldwide, Gemalto is providing GPW with an advanced and highly durable polycarbonate eID card specifically designed to counter forgery. Furthermore, the Sealy eID supports public key infrastructure (PKI) and match-on-card authentication techniques to enable easy verification of authenticity and a future-proof platform capable of providing a broad range of secure online services such as online and in-person authentication as well as legally binding digital signatures.

"Gemalto demonstrated their proven ability to deliver high-end eID secure documents within an ambitious schedule," said Professor Anthony Mbewu, CEO of GPW. "Plans are already in place for the next phases of the modernization program, and we are very confident in Gemalto's deep expertise and state-of-the-art technology in supporting our future aspirations."

"Our local presence in Johannesburg provides a key benefit in ensuring a strategic partnership with the GPW," said Ari Bouzbib, Senior Vice President of Government Programs at Gemalto. "This new project marks another significant acceleration in the momentum behind eGovernment initiatives on the continent, where Gemalto has already deployed a number of major programs."

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

Source: Telecompaper.com (06/04)

NBS Technologies announced that the VaultSEcure secure element from Inside Secure is now fully supported by NBS' XpressiTrusted Service Manager (TSM). Financial institutions, mobile network operators and service providers can now use the Xpressi Trusted Service Manager to provision mobile secured applications on smartphones, tablets and other mobile devices based on this embedded secure element and securely download cardholder credentials.

Based on the Inside Secure VaultIC architecture, the VaultSEcure secure element allows multiple trusted third parties to independently install and control their own applets in the same device. It comes pre-loaded with a suite of certified branded payment, access control and banking applets. Its Secure Memory Swap technology offers virtually unlimited storage for applet libraries at almost no cost, and a full complement of external interfaces for host connectivity supports all use cases. The VaultSEcure operating system is Java Card 3.0.1 and GlobalPlatform 2.2 compliant (including amendments A, C and D), and can be updated over the air.

INSIDE Secure and NBS Technologies are members of ACT Canada; please visit www.insidesecure.com & www.nbstech.com.

Source: MULTOS (06/18)

SMARTCON I paySmart has launched the world's first EMV solution in the Cloud using MULTOS enabling independent issuers the opportunity to migrate from magstripe cards to chip cards in just 30 days.

paySmart's Software as a Service (SaaS) approach to EMV uses cloud computing technology and MULTOS to dramatically reduce the complexity and time required to conduct an EMV migration project, especially for independent EMV issuers.

"Everything is executed under a class 5 datacenter with disaster recovery and redundancy in two separate cities, a mission-critical environment supporting high-volume transactions and the same infrastructure used by major banks, insurance companies and credit cards companies worldwide. With paySmart, an issuer can start issuing chip cards in 30 days, with almost zero investments and paying a flat, monthly fee, only for cards which are actually generating revenues. Depending on the requirements, low cost MULTOS Step/One cards can be issued, which helps to reduce the total cost of ownership of the solution", explains Daniel Nunes de Oliveira, Business Development Director of paySmart.

Oliveira reveals why MULTOS simplifies the issuance model for paySmart: "the beauty of MULTOS for us is that we can perform data preparation in the cloud and send enciphered files directly to the cards, using card personalization bureaus or instant issuance printers. What was once risky, complex and used to take a long time to deploy, has now become low risk, simple and very fast. It is not necessary to invest in infrastructure and in human resources – all software and hardware is already plugged in, ready to use, in a secure, private cloud."

SMARTCON recently introduced the brand, paySmart, to promote the immediate availability of the new solution in the cloud.

Julio Rost, paySmart's Marketing Coordinator says, "The idea of the new brand is to help us to communicate to customers and partners that in addition to the Smartcon products and services that have made us leaders in this industry, we are now providing EMV technology as a service, a complete offer for independent issuers who want to migrate from magstripe to chip, quickly and efficiently".

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

Source: Ingenico (06/19)

Ingenico announced that it will support, along with Banco Nacional de Mexico, Banamex, one of the leading financial institutions in Mexico, the deployment of the new contactless payment technology.

Banamex is the first bank implementing this payment technology throughout the country, offering state-of-the-art technology to its customers.

After some months performing on-field tests with different technology providers, Banamex will continue with the massive introduction using the Ingenico payment terminals:

• countertop iCT220 and iCT250,
• portable iWL220
• and the PIN Pad iPP320;

with this deployment, Banamex is thinking about making this technology available for 30 thousands retailers and customers during 2013.

This significant initiative will allow the retailers from the different productive sectors serving sundry segments of the population to accept over 1.000.000 contactless cards recently issued in the country.

About 2.000 terminals have been successfully deployed during the first stage of the project; remaining terminals will be operating before the year ends, which will result in one of the most significant expansions of contactless technology in the country.

As a market leader, making available last generation technology is something that Ingenico pursues every day. Contactless technology is in the DNA of our company and it changes the purchasing experience for the end users: it becomes faster, more secure, more reliable and convenient ", added Marcus Vendruscolo, Marketing & Business Development Director, Ingenico Latin America.

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

Source: RetailingToday (06/07)

Visa has signed agreements with three leading mobile point-of-sale providers to enable merchants of all sizes to accept Visa payments using mobile technology. Early adopters include iZettle, SumUp and SCCP Group's Swiff — all of whom will have their mobile acceptance hardware and software tested and approved for use with Visa payments.

Visa has also approved two new mPOS devices by AnywhereCommerce and Miura Systems to accept Visa payments. The companies aim to displace cash and checks with electronic payments by making it easier for merchants and acquirers in key geographies to deploy secure mobile acceptance terminals.

"The Visa Ready Program is designed to provide innovators with an easy way to collaborate with Visa and gives merchants and consumers the peace-of-mind they need when transacting with a mobile phone," said Jim McCarthy, global head of innovation & strategic partnerships, Visa. "Mobile acceptance technology is precisely the kind of innovation we need to bring the benefits of electronic payments to more merchants, financial institutions and consumers around the globe."

The growing popularity of mPOS acceptance solutions, especially among micro and small merchants, is helping to drive the migration from cash to electronic payments.

As part of the agreements, iZettle, SumUp and Swiff can have access to guidance, best practices, Application Program Interfaces and Software Design Kits from Visa.

"Mobile POS opens up the market to all merchant tiers, from the largest big box retailers to the smallest micro-merchants, which never would have dreamed of accepting card payments in the past," said Mary Monahan, EVP and research director, mobile, Javelin Strategy & Research. "Our research shows the attraction of mobile POS also extends to the other side of the counter: the majority of consumers view mobile checkout as very or extremely convenient."

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

Source: M2M Magazine (06/24)

Oberthur Technologies announced its selection by Samsung Electronics to provide PEARL, the state-of-the-art NFC embedded Secure Element (eSE) for the newly released GALAXY S4.

"We are proud to be recognised through this contract as a trusted partner for the deployment of secured NFC services in the Samsung GALAXY S4"

Oberthur Technologies' PEARL is the most advanced multi-application embedded Secure Element and offers the largest memory on the market. It is also the first of its kind to be certified by Visa, MasterCard and Google. PEARL allows easy deployment of secure NFC payment, strong authentication, transit, access and loyalty applications.

Oberthur Technologies is a recognised leader in trusted payment and plays a key role in the ecosystem through supplying solutions and facilitating connections for a large number of financial institutions and service providers.

"We are proud to be recognised through this contract as a trusted partner for the deployment of secured NFC services in the Samsung GALAXY S4" said Cédric Collomb, Telecom Business Unit Managing Director at Oberthur Technologies. "Teams have collaborated very closely to deliver the best-in-class secured eSE NFC services for this long-awaited smartphone".

Oberthur Technologies offers OEMs its NFC security expertise along with certified NFC applications, the TSMs to manage them dynamically, and benefits stemming from its relationships with an extended network of service providers.

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

Source: ICC Solutions (06/18)

ICC Solutions Limited is delighted to announce Third Party Accreditation with MasterCard in the following two categories - Guidance and Technical Support Acquirers. The Third Party Accreditation Program helps MasterCard customers identifying suppliers with suitable skills and expertise for supporting them during migration to contact EMV and contactless PayPass chip products or deployment of new chip-enabled cards and terminals.

Third parties listed in the Guidance category have demonstrated suitable expertise for guiding customers during the preparation of their chip implementations. They can support customers in the initial phase of chip projects, prior to the actual start of implementation. The services accredited companies are able to offer include MasterCard product strategy advice, assess the impact of chip migration on the customer infrastructure, provide assistance with technical choices, identify best practices, knowledge transfer on the MasterCard chip implementation processes and determine the required steps for the chip implementation projects.

Third parties listed in the Technical Support categories have demonstrated suitable expertise for supporting customers in the technical tasks performed during the implementation phase of chip projects. The services accredited companies are able to offer include customer requirement description, technical project management, design of technical architectures and review of technical options, compliance assessment against MasterCard requirements, updates and configurations for host systems and chip components plus support testing activities.

Dave Maisey, CEO at ICC Solutions, commented: "ICC Solutions is delighted to build upon existing NIV, M-TIP and PayPass test tool suite qualification with MasterCard with this new accreditation to offer services in Guidance and Technical Support Acquirer categories. ICC Solutions is committed to offering industry accredited test tools and services helping to drive successful EMV implementations globally, and in the US in particular."

ICC Solutions is a member of ACT Canada; please visit www.iccsolutions.com.

Source: The Green Sheet (06/06)

FIME America has become the first laboratory to achieve test bench qualification for EMVCo Contactless Card Level 1 in North America, authorizing the advanced testing provider to offer contactless card level 1 testing services for EMVCo members. The laboratory will service the needs of the United States (U.S.) market, as well as customers based in Canada and Latin America.

EMVCo is the EMV standard body for credit and debit payment cards based on chip card technology. It has an established certification program to confirm products meet the requirements outlined in the EMV Specifications. This promotes increased levels of confidence that EMV products will perform as intended and ensure interoperability between payment devices.

"With EMV Contactless being mandated by major payment schemes and the U.S. working towards its EMV migration deadlines, it is vital that on-the-ground EMV testing and certification can be offered," explains Xavier Giandominici, Director at FIME America. "We are delighted to now have an EMVCo qualified test bench and to be able to offer these services on-site in Montreal, allowing us to meet the ever-growing demand from regionally-based customers. We believe that this investment will increase capacity and ensure shorter testing cycles."

This announcement follows the opening of FIME's U.S. office in San Francisco earlier this year. Pascal Le Ray, General Manager of FIME Group, adds: "With laboratories across Europe, Middle East and Africa, Asia and America, FIME has developed a vast knowledge and skills-base globally and recognizes the value of sharing expertise at this high level. Having local proximity to our customers, however, is key to truly understanding and engaging in local challenges and regional variations. We are dedicated to not only expanding our local footprint, but ensuring these operations offer the testing and certification services local stakeholders need."

Xavier concludes: "This is an exciting time for the payments industry in the U.S. as we transition to a chip-based infrastructure, which can support advance payment methods and offer consumers the choice to make contactless mobile payments. FIME is already working with many of its customers to bring these innovative solutions to market."

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

Source: BankInnovation.net (06/25)

Ever thought you could use your government-issued ID to buy a cup of coffee? It seems like those days may not be far off now that the City of Oakland has issued a city ID card that is also a prepaid MasterCard debit card.

The card came about because Oakland — as well as other cities that have yet to release the cards — wanted to issue IDs for nondrivers that used city services. The card allows the city to issue funds to the citizens cheaply and easily. There are no checks in the mail and no check-cashing fees to pay out.

Such cards have been issued for college IDs before, but not for municipal IDs, as far as Bank Innovation could discover.

Oakland approached sourcing experts at SF Global for ideas. SF Global sent them to prepaid card issuer Praxell, which in turn partnered with Arroweye Solutions, a maker of customized payment cards. Arroweye's technology allows for secure and highly personalized cards to be produced affordably on demand.

"Certain companies specialize in creating ID cards," said Arroweye CEO Render Dahiya. "These usually consist of preprinted shells and a photo or signature are added on site to produce a laminated card, as at the DMV." But these types of cards cannot be used as payment vehicles.

The card is a simple magstripe swipe card, but more sophisticated options, such as EMV and NFC-enabled cards, may be on the horizon. Certainly Arroweye is ready to go with these types of cards, but they are considerably more expensive to produce, according to the company.

"As services get more automated and more driven by your identity, and more cities are offering services," Dahiya said, "more of these cards will be needed." The cards are expected to particularly benefit to financially underserved communities, members of which have difficulty accessing traditional banking products.

Oakland ordered its first cards in May 2013.

With federal and state governments increasingly mired in partisan battles that prevent innovation, it is falling to cities to provide novel services. The bipartisan Brookings Institution recently released a book called The Metropolitan Revolution that gets at this issue. As Jennifer Bradley, one of the book's authors, said to an interviewer last night, sometimes innovation means "getting stuff done."

Now where have we heard that before?

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

Source PYMNTS.com, analysis from Karen Webster (06/11)

Two Years And Five Insights Later...

Let's face it, the only news that broke last week when Business Week published its story about Google Wallet was that it had been downloaded around 10 million times since it's launch two years ago. Frankly, that was about 9,950,000 more times than I actually thought it had been downloaded given the lack of physical merchant acceptance and handset availability (so, I'd love to know how many of those downloads were to make purchases in the Google's app store.) The reorg of Google Wallet of two months ago was really the big news – and the public evidence that Google Wallet, as it was originally designed was a total bust. You can read my take on that reorg when it was announced here.

There are many reasons why Google's Wallet whiffed and why even its pivot away from NFC to the cloud wasn't enough to turn things around. The very cause celebre of Google as a company - data that could be turned into advertising - gave merchants the heebie-jeebies. Osama Bedier, Google Wallet's lead guy, put it right out there when he said that Google was a-okay about losing money on every payments transaction, since it's focus was to "collect data on consumer habits and target ads to them." It may be that the business model of tomorrow in payments is related in some way to advertising or promotional revenues. But merchants didn't really cozy up to the idea that signing on to accept Google Wallet meant that their customer data could be served up for their competitors and everyone else in the world to monetize. Even Bedier's Money 2020 keynote assurances to the merchant community didn't seem to help. Admittedly, that's a tough story to sell when something like 95 percent of the company's revenue comes from monetizing data.

So, I say let's give Larry Page some credit for taking a bunch of steps back in payments and doing things like scrapping the Google credit card and any plans to enter the very, very crowded mobile point of sale space with its own branded reader. Both would have been throwing good money after bad - where the bad money was estimated to be about $300M already.

Looking ahead though, I see one of three options for Google and payments – and they are at very different ends of the spectrum.

Option One. Google Wallet remains an enabling payment method for Google Play and pretty much nothing more. That would make it really easy for people with Android devices – and that is the predominant operating system now worldwide – to buy apps. The big obstacle to overcome, though, is how to juice apps revenues, which is where Apple outperforms Android by a country mile – like nearly 5 times. Statistics published by Distimo at the end of May (which is the #1 source for tracking app applications and installs/downloads) show that daily revenue from the top 200 apps in the Apple App store was $5.1 million, compared to $1.1 million in Google Play. Since developers get paid every time an app is downloaded, to make Google Wallet's revenue's register (pun intended), it has to get more people to download more of those apps – which will incent more developers to write more of those apps which will bring in more people who want to download them - the virtuous circle in action! Google has to solve the fragmentation issue first since it is difficult for developers now to reach large numbers of users with a single instance of their app. Published reports suggest that as of May of 2013, more than 97 percent of Android users are on older versions of the operating system – writing an app to its most recent version would reach only a smidge more than 2 percent of Android devices in use. Google has said that it will solve the fragmentation issue -since it certainly does impact more than Google Wallet revenue - but if it does, a Google Wallet/Play combo will make it easier for more people to easily buy more digital goods.

Option Two. Make Google Wallet a defacto mobile money platform for developing countries. Until Apple releases a cheaper handset, Android has the market for cheap smartphones locked and loaded. Making it easy for smartphone users to activate a preloaded Google Wallet would seed the developing market with millions and millions of Wallet customers, in an environment where the tension over payments plus data for serving offers might not be as acute. This initiative could dovetail nicely with other Google initiatives too, like its initiatives to bring broadband to underdeveloped countries. Now, the downside here is that the revenue delivered would be more like a rounding error than a real money maker, but twenty years from now, probably sooner than we have driverless cars, these developing countries could be pretty well developed and start kicking in some real revenue.

Option Three. Stick to your day job and bag the idea of a digital wallet entirely. If the Google Wallet game was never about payments (not a core competency) but data (a real core competency) then just double down on that and forget trying to duke it out on the traditional payments battlefield. The real battlefield, just ask anyone in payments, is now data. And, there's a treasure trove of revenue possibilities in mashing up transaction data with other data sources like location based, behavioral based, preference based data (to name but a few) that would enable payments providers and merchants and others in the ecosystem to create new business models and new customer and sales opportunities. If Google weren't in the payments business, my guess is that being some sort of enabling data platform to the payments ecosystem would meet less resistance by everyone since it wouldn't be coming from someone who was operating in payments directly and who obviously had an ulterior motive for being there.

If I were a betting woman, I would put it all on red that Google will pursue Option One – and try to expand outside of Play. That seems a shame and a real distraction. I'm not sure what would make them think that the next two or three or five years will be any different from the last seven years of trying to ignite a Google-branded payments platform (remember, before Google Wallet, there was Google Checkout which launched in June 2006).

If I were an exec at Google, I would plead my case for Option Three - and try to figure out what that might look like. It could be every bit as disruptive as they intended Google Wallet to be, without the road kill within Google or from merchants or payments providers. One could argue that the piece of the ecosystem that needs serious overhaul is the highly fragmented and inefficient part that is trying to reinvent the commerce experience for merchants and consumers. And, since consumers increasingly use their smartphones as part of the commerce discovery opportunity, and Google has the market cornered on the biggest discovery channel ever - search - it seems like there could be something of value to explore.

Since they say that three times is the charm, I guess we'll have to wait and see what Google payments 3.0 becomes. Any bets from any of you on what option they are likely to pursue?

Source: Gemalto (06/03)

Gemalto is providing its smart card based solution to Dipon Consultancy Services Limited (DCSL) for their financial inclusion project in Bangladesh. DCSL is implementing this project in collaboration with Prime Bank Limited (PBL). The program named Prime Cash which represents over 76% of the country's 150 million-population aims to provide secure access to banking services for people with limited or no access to banking services in both rural and urban areas in Bangladesh.

In its effort to foster financial inclusion, DCSL has deployed DG-ePay (Dipon Group-ePay) Service Points at major public places throughout the country. End users can enroll themselves and open an account at any of the DG-ePay Service Points. The Gemalto smart cards contain an embedded software application that securely stores the holder's facial image and fingerprint data captured upon enrollment. End user transactions are validated using biometric authentication, providing a superior level of convenience and security to all, including illiterate users. The Gemalto solution facilitates daily life financial services, such as account opening, deposit, withdrawal, transfer, loan repayment and remittances. DCSL has already delivered 200,000 cards to end users.

"Gemalto's solution is the perfect fit for our market, where the literacy rate is less than 60%(2), enabling users to authenticate themselves in a fast, intuitive and highly secure manner," said Syed Javed Iqbal, Director, Dipon Consultancy Services. "We believe Gemalto's smart card technology will go a long way in the spread of financial services to the remote corners of our country, contributing to enhancing the Digital Bangladesh campaign."

"This is a great example of how digital security can benefit a developing market and bring essential financial services to the world's under-banked," added Suzanne Tong-Li, Senior Vice President, Gemalto Asia. "Bangladesh is one of the fastest developing markets for branchless-banking in the world and we look forward to accompanying Prime Cash Project in their journey towards Digital Bangladesh."

Gemalto has delivered this solution through its partner Instrumental Clique (IC), a sister concern of DCSL. IC has a market share of around 40% for supply of bank cards in Bangladesh. In its efforts to provide access to banking for the unbanked, Gemalto has already rolled out over ten million smart cards in India for microfinance. Gemalto offers these customized solutions to micro finance partners, banks and non-government organizations.

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

Source: ICMA Industry News (06/20) (Originally appeared in NFC World, by Rian Boden)

China Mobile and Chinese bank card association China UnionPay have announced that their NFC payments service is now live in more than fourteen Chinese cities, including Shanghai, Beijing and Guangzhou—and eight banks have signed up to make use of the partners' platform.

To use the service, China Mobile subscribers need to acquire an NFC SIM card, available at the carrier's stores, and download the network's newly released mobile wallet app, which is available for Android devices. After linking a bank account to the wallet, the customer is free to make mobile payments at participating merchants equipped with UnionPay QuickPass contactless POS terminals.

Eight banks have already joined the platform, including some of the country's largest such as Bank of China, Shanghai Pudong Development Bank and China CITIC Bank. More are expected to sign up to the service, which uses China UnionPay's trusted service management (TSM) platform which is fully integrated with that of China Mobile.

Other banks connected to the platform so far include China Everbright Bank, China Minsheng Banking Corp, GF Securities, Bank of Shanghai and Bank of Beijing.

Source: PYMNTS.com (06/07)

In case the current digital wallet market wasn't saturated enough, another major player may soon throw its hat into the ring.

Apple applied for a patent for a "method and system for managing credits via a mobile device" yesterday, as VentureBeat reported. And if you name payments buzzwords – whether their mobile or digital wallet, virtual currency, NFC or otherwise – odds are they pertain to Apple's patent.

Oh, and did we mention a potential ability to make money by viewing adds, too? This patent is jam-packed with payments goodies.

A basic breakdown of what the patent implies is that Apple is designing a way for you to walk into a store and make a transaction via phone: hardly a revolutionary concept.

What's more interesting, though, is that Apple mentions (although doesn't require) NFC as a possible means for this transaction to occur: something they've been set against in the past.

Exactly how this platform would work with Passbook, which has not yet truly been used as the mobile wallet precursor many expected, is unclear. But of note is an intriguing system of services that result in receiving "tokens" or coupons, including the potential ability to watch ads for such rewards. As VentureBeat notes, such coupons or tokens could potentially be highly specific, allowing users to redeem them only for certain products or services, at certain locations or at certain times.

"The present invention is directed at least in part to a method and system for providing credits, vouchers or coupons representative of monetary value to users of mobile devices such as mobile telephones," the patent reads. "The users of the mobile telephones are able to use the monetary value of the credits to purchase goods and/or services at e.g. point of sale terminals and the like."

In addition to being transmitted to an actual point of sale system, credits would also be transferable via text message or over the web.

We should reiterate that this is just a patent, and a conservative estimate has Apple applying for 543-or-so patents a day. But it's an interesting glimpse at the potential future of mPayments nonetheless.

Source: The MULTOS Post - Issue 2, 2013 (06/27)

SC4/M4 Platform:
Multos International has introduced the new MULTOS M4 (DDA contact and contactless) and MULTOS step/one SC4 (SDA) families, available in different EE memory sizes and including several new features such as: MULTOS global PIN primitives, the latest in security countermeasures, performance improvements and the latest EMV payment applications. The new range is specifically designed to offer cost-optimized solutions for SDA and DDA for both contact based and contactless/dual interface projects and is a natural replacement for our popular SC1, MC1 and ML1 range. The new family is also particularly suited to US EMV migration projects, with a complete range of options including the ability to load multiple applications. The products are available now, with several payment certifications already achieved and others on the way.

M/Chip Advance:
Multos International's M/Chip Advance application for MULTOS is now certified on the latest SC4 and M4 platforms. M/Chip Advance is the new benchmark standard from MasterCard that extends M/Chip to respond to today's new transaction environments – bringing advanced functionality, enhanced contactless and integrated issuer-defined data handling. The Multos International implementation on MULTOS not only offers these advanced new features, but the application is also capable of being personalized as an M/Chip4 or M/Chip2 card, to allow for backward compatibility with existing systems. We have also designed the application such that there is little or no impact to existing personalization systems, to ensure easy migration from our current products.

In other Multos news, Multos announces 2 new members – SETIS & DeltaCryp:

SETIS, a Sao Paulo Brazil based developer and integrator of software solutions for EMV payment systems, has joined the MULTOS Consortium, a group of international blue chip organisations responsible for the promotion and development of the MULTOS specifications. In joining the Consortium, SETIS will be able to play an active role in the development and expansion of MULTOS, and benefit from the Consortium's global marketing and networking resources with Members that span the entire secure smart device business. Source: MULTOS (06/13)

DeltaCrypt, a Canadian based leader in information technology security, has joined the MULTOS Consortium, a group of international blue chip organisations responsible for the promotion and development of the MULTOS specifications. In joining the Consortium, DeltaCrypt can take part in the development and growth of MULTOS, whilst benefiting fully from the Consortium's marketing and networking resources with Members that span the whole secure smart device industry. Source: MULTOS (06/11)

Multos is a member of ACT Canada; please visit www.multosinternational.com.

Source: ACCEO (06/18)

A reference point in accounting software in Quebec for over 25 years, the Acomba system is expanding with a new solution which provides a simple way for companies to launch and run an online store: Acomba e-commerce.

Directly connected to the inventory in a user's Acomba software, Acomba e-commerce delivers an affordable, secure, and multilingual turnkey shopping site. Its many functionalities include secure online payment, integral Web hosting, and various marketing options. Our experts worked tirelessly to develop a solution which reduces business costs and provides an optimal online experience: Acomba e-commerce integrates with Acomba software, most online shipping fee services, and certified online payment services in real time.

Any merchant wanting to launch into online commerce can choose from a range of ready-to-use professional Web site templates or have a custom-designed site. Whatever the selection, good search-engine visibility is always ensured, and no programming is necessary.

"This is a new opportunity for SMBs and merchants," says Denis Carrier, executive vice-president and chief operating officer of ACCEO Solutions' SMB Solutions division. "From now on, entrepreneurs wishing to open an online store and run it using Acomba can do so without having to program anything."

ACCEO is a member of ACT Canada; please visit www.acceo.com.

Source: Carta Payment Solutions (June 2013)

To meet with the new UK Home Office guidelines regarding the banning of cash to pay for scrap metal, PCS offers UK based scrap metal dealers a fast, convenient and compliant way to pay customers for scrap metal using a fully verified prepaid MasterCard card. The system provides a full electronic audit trail of funds and PCS carries out independent verification of customers' identity within seconds to allow a customer to be issued with a funded card in seconds. "We allow participating scrap metal dealers to issue their customers with Prepaid MasterCard Cards (subject to identity verification) and instantly load these cards with the funds which were previously paid in cash," explains Paul Swinton, CEO of Payment Card Solutions. "We quickly reacted to a change in UK Legislation in October 2012, to provide a viable and convenient method of paying suppliers using prepaid cards when cash was prohibited," adds Mr. Swinton.

Bread4Scrap prepaid Mastercard cards provide a full electronic money trail complying with the new law changes recently enacted. The registration process is quick and easy and cards can be reloaded the next time a visit is made to a Bread4scrap dealer. PCS also provides full Programme Management development and support for white label prepaid card solutions of BreadCard enabling distribution of their products and services to major clients.

"We are delighted to have been selected as the prepaid processing platform for PCS's programmes and are particularly pleased to have implemented the Bread4Scrap prepaid card programme in a period of weeks leading up to the changes in the UK legislation regarding the deadline for elimination of cash payments in scrap yards," states Brian Semkiw, CEO of Carta Payment Solutions. "We had a very tight timeline to bring this programme from conception to delivery and we were successful in meeting those very aggressive timelines for our client PCS," adds Brian Semkiw.

Carta Payment Solutions and MasterCard are members of ACT Canada; please visit www.cartaworldwide.com & www.mastercard.ca.

Source: INSIDE Secure (06/06)

INSIDE Secure and CPI Card Group announced that two new jointly developed M/Chip Advance EMV card products have been approved by MasterCard. The two products offer capabilities specifically designed to meet the unique requirements of the U.S. market. In support of issuers wishing to use these products, Datacard Group is offering complete turnkey hardware and software personalization solutions, as well as personalization scripts.

EMV is a standard for globally interoperable secure payments, and its coming deployment in the U.S. represents a significant move towards an enhanced payment ecosystem.

"Our well proven secure microcontroller module at the heart of thesenew EMV products from CPI marks INSIDE's entry into the U.S.EMV payment market," said Bernard Vian, executive vice president for the Secure Payment Division at INSIDE Secure. "We have worked closely with CPI, MasterCard and Datacard and incorporated the expertise and experience of these payment card industry leaders to ensure that these newproducts will meet U.S. issuers' expectations and make their migration as easy as possible."

These new card products give issuers the greatest flexibility in migrating to EMV. One product has been optimized to support online-only EMV card programs, while the other supports both online and offline payment transactions. Both products can be supplied on cards with gold and palladium contact plates for greater aesthetic choice, with either six or eight contacts.

"As the U.S. market migrates to the use of EMV cards, we are excited to have these two additional products included within our EMV portfolio," said Diane Jackson, vice president of Business Development and Strategic Marketing at CPI Card Group. "We continue to extend and enhance our product offering for U.S. card issuers with a complete card solution to facilitate their migration to the EMV standard and any additional assistance they may require in order to ensure the smoothest transition possible."

"This milestone by INSIDE Secure and CPI represents another step toward the successful migration to EMV in the U.S.," said Carolyn Balfany, senior vice president, U.S. Product Delivery for MasterCard. "We celebrate our strong partnerships with these global experts. Based on our deployment of EMV in more than 130 countries, we believe issuers, merchants and consumers will benefit from the enhanced functionality and security features of this technology whenever and wherever they shop."

CPI Card Group, INSIDE Secure and MasterCard are members of ACT Canada; please visit www.cpicardgroup.com, www.insidesecure.com & www.mastercard.ca.

Source: Payments Business (06/17)

Banking at ING DIRECT just got more simple and convenient. Beginning today, clients can deposit cheques into their accounts remotely using Cheque-In, a new feature of the bank's existing mobile app. Cheque-In allows clients to take a picture of their cheque using their mobile device and have it deposited immediately into their ING DIRECT account. The feature is the first available on all major platforms, including Apple iPhone, iPad, iPod, Android Phone, Android Tablet, BlackBerry Mobile devices with BB10 OS and tablets running Windows 8.

"One of our commitments to Canadians is to make banking safe, simple and convenient to fit today's lifestyles," said Peter Aceto, president and CEO at ING DIRECT. "With Cheque-In, Canadians can deposit cheques quickly and securely using their smartphones, which are such a central part of our lives. This means we can now deposit a cheque as soon as we receive it, without the hassle of going to a bank branch or ABM, and our money can start earning interest right away. This is a huge step forward for consumers, banks and the payments industry."

According to the Canadian Payments Association (CPA), Canadian businesses and consumers write close to four million cheques on average every business day. Each cheque is physically handled multiple times as it moves throughout the clearing and settlement system.

"Modernizing Canada's payments system is a key focus for the Canadian Payments Association," said Gerry Gaetz, the CPA's CEO. "We are facilitating the use of image technology to make the cheque clearing process more efficient. Using the CPA's comprehensive legal and operational framework for imaging, Canadian financial institutions can now develop and offer new image-based products and services, such as remote deposit capture, to their customers," added Mr. Gaetz.

The U.S. began clearing cheques electronically in 2004. According to the U.S. Federal Reserve, practically all of the 25 billion cheques deposited in the U.S. each year are now cleared electronically. In 2010, electronic collection and presentment of cheques resulted in annual savings of approximately three billion dollars for financial institutions, businesses and consumers in the U.S.

The practicality of remote deposit capture is what makes it so appealing for consumers and banks alike. The technology used by ING DIRECT, developed in Waterloo, Ontario in part by NCR Corporation, meets the needs of banks looking to modernize operations and services, as well as consumers who are looking for choice and flexibility.

"Remote deposit capture is one of those rare opportunities that simultaneously deliver an improved customer experience, increased convenience and productivity improvements to the Canadian economy," said Steve Nogalo, vice president and general manager of Payments and Multichannel, NCR Corporation. "For ING DIRECT's clients, Cheque-In is a clear win. They will be able to make their deposits from the comfort of their own home or while on the run. ING DIRECT's implementation of NCR's mobile RDC solution is an important step forward for Canadians."

Charaka Kithulegoda, CIO at ING DIRECT is excited that this technology is finally available for Canadians. "With emote deposit capture, clients can deposit cheques securely and easily, when and where it makes sense for them. It's a fantastic example of how mobile banking is changing our lives and it offers a glimpse of what's on the horizon."

To use Cheque-In, clients need to log in to the ING DIRECT mobile app on their mobile device and take a picture of both the front and back of their cheque. The client will then select which account they would like to deposit the funds to and enter the full amount written on the cheque before confirming the deposit. The funds are immediately deposited into the client's account and are subject to the client's normal hold policy limits.

A recent survey by ING DIRECT found that over half of Canadians (55 per cent) deposit at least one cheque per month o their bank account, either by depositing it in an ABM (71 per cent), bringing it to a branch (41 per cent) or mailing it to their bank (1 per cent). Over a third of Canadians (38 per cent) are open to doing more traditional banking functions using their smartphone; this number jumps to 57 per cent when looking at 18 to 34 year olds exclusively.

ING DIRECT is a member of ACT Canada; please visit www.ingdirect.ca.

Source: VeriFone (06/25)

VeriFone Systems, Inc. and Lenovo announced that they have joined forces to offer a versatile, enterprise-class, mobile point of sale (mPOS) platform. Powered by Windows 8 Pro, it easily integrates with existing retail store systems.

The mPOS platform integrates a ThinkPad Tablet 2 based on the Intel Atom Z2760 processor with VeriFone's secure PAYware Mobile technology designed exclusively for the Lenovo tablet. The integrated device is based on the Microsoft Windows 8 Pro operating system and will enable retailers to easily transition to an mPOS platform that works with their existing business infrastructure and operations including multichannel management, store operations, e-commerce, merchandising, financials, and supply chain management.

"Retailers are increasingly eager to adopt mPOS but have been frustrated by proprietary platforms that ignore their major investments in the Windows-based point-of-sale systems on which they run their businesses," said Joe Mach, senior vice president and general manager, Vertical Solutions for VeriFone. "VeriFone will continue to work with industry leaders such as Lenovo to provide mobile payment and mobile POS platforms that work with any smart device retailers want to employ."

"The availability of mPOS platforms that easily integrate with existing back-end infrastructure and traditional POS systems is a must for retailers today," said Michelle Tinsley, director, Transactional Retail, Retail Solutions Division for Intel. "Platforms based on power-efficient Intel Atom processors supporting exceptional battery life will enable more retailers to seamlessly implement mPOS for better service to their customers."

Retail sales associates can use the ThinkPad Tablet 2 mPOS platform to engage customers and deliver responsive support, quickly scan barcodes, and securely accept card-based payments, from anywhere in the store. Available with best-in-class security solutions such as McAfee and VeriFone's VeriShield Total Protect, Secured by RSA, for end-to-end encryption, the ThinkPad Tablet 2 mPOS platform provides state-of-the-art data protection for acceptance of mag-stripe credit cards, signature debit, and store specialty transactions.

"Empowering our customers to fully capture the powerful benefits of mobile and touch technology in their businesses demands tightly integrated hardware and software solutions like this ThinkPad Tablet 2 mPOS offering," said Tom Looney, vice president, North America Relationship Business, Lenovo. "Forging strong alliances to create these platforms with "best in class" payment technology providers like VeriFone is a critical part of our PC Plus strategy to help organizations become even more agile and responsive in their operations."

Powered by the Intel Atom processor, the ThinkPad Tablet 2 mPOS platform enables easy integration and architectural consistency across devices including tablets, kiosks, and existing POS systems, all running the same operating system and supporting VeriFone payment services. The Intel Atom processor is a power efficient system-on-a-chip designed specifically for mobile devices and provides exceptional battery life.

The VeriFone and Lenovo platform is being piloted by leading retailers this summer and will have general U.S. availability in September.

VeriFone is a member of ACT Canada; please visit www.verifone.com.

Source: WWPass (06/27)

WWPass announced the release of Security Pack version 2.3, the bundled software solution that brings WWPass cloud-based authentication to the personal desktop. Previously only available for Windows users, Security Pack version 2.3 now supports Windows 7, 8 and Vista, Mac OS X (10.7 and 10.8) and Linux Ubuntu 12.04.2 LTS (Precise Pangolin).

The WWPass Security Pack is a bundled solution available to all PassKey users. The WWPass PassKey is an anonymous authentication device that eliminates the weakest link found in most authentication models: the username and password. The combination of the WWPass PassKey and Security Pack is a powerful one. In an online world where privacy is at a premium, WWPass delivers an easy way for users to control data like no other solution before it.

WWPass is a member of ACT Canada; please visit www.wwpass.com.

Source: Ingenico (06/27)

Ingenico has entered into an agreement with Nets which enables Nets to launch new payment solutions for small merchants. The new mobile Point Of Sale (mPOS) solution from Nets turns smartphones and tablets into secure payment terminals.

Nets, in partnership with Ingenico, will provide a fully operated solution from the secured card reader to the processing of the transaction. Nets will use the mobile commerce platform provider ROAM, an Ingenico subsidiary and leading mobile commerce platform provider, to implement the solution.

Nets will offer a dedicated application and a secured pocket format card reader with Bluetooth connection to use with a smartphone or a tablet device.

The iCMP, a pocket-sized and light weight payment device from Ingenico, meets all security and payments standards, including EMV, PCI PTS, Paypass and PayWave. This new payment solution will be rolled out before end of 2013, with a pilot taking place in Norway during the Autumn.

Heikki Kapanen, Executive Vice President in Nets said: "The new mPOS solution will be part of our Nordic payment application, and can act as a regular payment terminal for smaller merchants. The mPOS solution from Nets will be able to meet all national and international security and payment standards."

Jose Luis Arias, Managing Director, Ingenico Northern Europe and Iberia, commented: "I'm delighted with the new partnership making our relationship with Nets even stronger. Together, we have developed innovative and secure mobile payment solutions for small merchants. This new development illustrates again that Ingenico is ahead in innovative solutions and confirms our privileged position to deliver our customers with mobile payment solutions."

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

Source: Gemalto (06/25)

Gemalto announces that it will supply prepaid EMV payment cards to Mobile Financial Services (MFS), the joint venture formed by Telefonica and MasterCard Worldwide. The launch is part of "Zuum", a new payment service offered by Telefonica's Vivo brand which aims to provide financial inclusion for the unbanked population of Brazil. Gemalto will also provide MFS with all the personalization services associated with EMV prepaid cards as well as tamper evident packaging and fulfillment to point-of-sale. With Vivo's huge coverage of over 90% of the Brazilian population, the service offers widespread accessibility for the vast majority of consumers.

Nearly 40 percent of Brazilians currently do not use banking services(1). With "Zuum", Telefonica's Vivo customers will be able to set up a pre-paid account which can be accessed either through their mobile phone or a regular prepaid EMV MasterCard payment card, provided by Gemalto. "Zuum" will allow people to make secure, convenient financial transactions including peer-to-peer money transfers, merchant purchases, ATM cash withdrawal, bill payment, airtime top-ups and more. Cash can be transferred easily at mobile phone refill stations, supermarkets and newspaper stands. The physical card provided by Gemalto can be used to make purchases in Brazil at over 1.8 million EMV-enabled merchants and to withdraw money in ATMs.

"We relied on Gemalto to help us quickly launch the first of several innovative solutions that will allow mobile subscribers with or without bank accounts to make secure payment and money transfers conveniently with pre-paid m-payment services," said Marcos Etchegoyen, president of MFS. "Our goal is to promote financial inclusion for unbanked Brazilians and to extend secure payments via mobile devices to all consumers who seek alternative payment services with the lowest possible cost."

"Gemalto has been a major provider of secure payment cards and personalization services since the beginning of EMV migration in Latin America, with a strongly differentiated offer in Brazil, so we had the expertise to support MFS in achieving its ambitious financial services goals," said Eric Megret-Dorne, Senior Vice President of Secure Transactions at Gemalto Latin America. "The prepaid segment is advancing new business frontiers and the MFS project is in keeping with the trend towards the issuance of payment cards by a wide diversity of players."

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

Source: UL (06/10)

UL is pleased to announce that the Collis Brand Test Tool, developed by UL's transaction security team, has improved its support for Visa Acquirer Device Validation Toolkit (ADVT) testing. The Collis BTT is now integrated with the Visa Chip Compliance Reporting Tool (CCRT), meaning that it automates the uploading of the test results to the Visa CCRT and it obtained qualification for motorized readers.

Testers may upload most of their test details to the Visa CCRT using an XML structure. Therefore, the new release of the Collis Brand Test Tool supports the export of an XML file for this purpose. This file can be uploaded in the CCRT, which improves the administrative part of the test process considerably. The solution works for both contact and contactless ADVT testing.

Moreover, as terminals with motorized readers became smarter in detecting possible fraud, it became more and more difficult to let them accept a wired probe during testing. For that reason, the Collis Brand Test Tool was upgraded to work with programmable cards for motorized readers. This solution is now qualified to be used in formal ADVT testing.

"UL continues to develop high quality test tools for the payment market by improving and expanding its Collis Test Tool portfolio. We have integrated our Collis Brand Test Tool into terminal testing processes from all schemes. Now, we made some steps with respect to Visa, and we are happy to offer better integration with their process, and also more convenience in testing any Visa-branded devices, including ATMs," adds Maxim Dyachenko, Service Line Manager Test Tools at UL transaction security.

Collis was recently rebranded to UL and together with RFI Global and Witham Laboratories forms UL transaction security. The Collis test tool portfolio will remain its strong brand and will continue to be further developed and expanded.

UL is a member of ACT Canada; please visit www.ul-ts.com.

Entering our 25th year, ACT Canada has been the internationally recognized authority in the market. As the eyes, ears and voice for stakeholders focused on secure payment, mobile, NFC, loyalty, secure identity, and leveraging EMV, we promote knowledge transfer, thought leadership and networking. We help members protect their interests, advance their causes, build their business and grow the market. We take a neutral and non-partisan approach to all issues, facilitating collaboration among issuers, brands, acquirers, merchants, regulators, solution providers, governments and other stakeholders. Over 50% of our members have been with us for more than 5 years, enjoying ongoing value from their affiliation with ACT Canada.  Please visit http://www.actcda.com or contact our office at 1 905 426-6360 x122.

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Andrea McMullen
Vice President, Operations
ACT Canada
tel: 905 426-6360 ext. 124
fax: 905 619-3275
email: andrea@actcda.com
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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.