MasterCard PayPass Pilots Warsaw Metro

OTI’S ASEC S.A.,
one of the operators of the ticket vending machines in the Warsaw
vicinity, SIX Pay, a European player in the acquirers market, and
MasterCard have started tests of contactless payment cards using
MasterCard PayPass technology. The people of Warsaw have been provided with the option to
make quick non-cash payments for their tickets in all OTI subsidiary,
ASEC’s machines located in the Metro stations and other locations in Warsaw.
Currently in Poland PayPass payments are accepted, for example in:
McDonald’s, Coffee Heaven, Zabka, Kolporter, Empik, Sferis and in Shell
petrol stations. Additionally, contactless payments can be made in such
music festivals as Smooth Festival, Open’er Festival, Coke Live Music
Festival, Selector Festival and Off Festival. Moreover, contactless
payments are accepted in selected Extra Class football league stadiums.
The acceptance network of PayPass technology is constantly growing in
Poland and, according to the financial forecast of Polasik Research, the
network can increase up to 15,000 service and retail locations by the
end of this year. Around the world there are currently nearly 75 million
PayPass cards and devices accepted in 230,000 service and retail locations.

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NagraID Security Launch MasterCard Display Cards

NagraID Security display cards passed MasterCard’s approval process, meeting required levels of durability, safety and compliance to ISO standards required for the commercial launch of banking cards and the introduction into MasterCard’s brand standards and rules. The Debit and Credit MasterCard Display Card looks and feels like a normal credit or debit card but comes with an additional small display and a button that enables card holders to use the same card for standard banking payment functionality and to generate second-factor one-time passwords (OTPs) for added authentication.

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Hua Hong Implements Agilent RF Device Modeling

Hua Hong NEC Electronics Company has successfully used Agilent’s “Integrated
Circuit Characterization and Analysis Program (IC-CAP” software to
develop an RF device modeling platform for 0.35µm and 0.18µm RF
semiconductor devices. Hua Hong NEC developed its customized RF modeling platform using the
advanced capabilities available in the IC-CAP software. One such
capability, GUI Studio, allowed the company to directly generate
well-documented, simplified and intuitive extraction routines that
significantly cut time required for a complete modeling process. Agilent’s IC-CAP platform is a flexible device-modeling program that
delivers powerful characterization and analysis capabilities. The
resulting RF modeling platform included proprietary de-embedding, RF
model extraction techniques, corner simulation setups, and a
quality-assurance script. The platform is ideal for today’s semiconductor modeling processes for DC
and RF applications. IC-CAP provides efficient and accurate extraction
of active device and circuit model parameters.

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VISA Q1

An annual report released by Visa that analyzes cardholder spending for the past two years.
saw a 34% increase in South Africa for inbound tourism spending during the first quarter of 2010, and anticipates additional growth opportunities around the 2010 FIFA World Cup, according to Tourism Outlook: South Africa. “VisaVue Travel” data indicates that South Africa weathered the economic headwinds which impacted international tourism during 2009 better than most countries around the world. While many countries saw double-digit drops in inbound tourism spending, Visa cardholder spending by international visitors to South Africa decreased only 2.7 percent from $1.84 billion in 2008 to $1.79 billion in 2009. Despite a challenging climate in 2009, 2010 has already shown reasons for the country’s continued optimism. During the first quarter of 2010, Visa cardholder spending increased to nearly $566 million, up from $423 million during the first quarter of 2009. The top contributors to South Africa’s inbound tourism spending in 2009 include: The United Kingdom (26%), United States (15%), Mozambique (5%), Germany (4%) and France (4%). While travelers from Western Europe and the U.S. continue to be the strongest contributors to South African tourism, significant increases in spending by cardholders from emerging markets is indicative of South Africa’s growing stature as a tourism destination. Visa data revealed double- and triple-digit growth in spending by cardholders originating from: Malawi (168%), Mozambique (118%), Angola (115%), China (28%) and Botswana (18%). This significant growth can also be attributed to developments in payments infrastructure and increased adoption and use of digital currency by consumers in developing markets.

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Consumers Increase Debit Card Use 10% Since 2008

Debit card issuers saw 10% increase in debit card use between 2008 and 2009, mostly with small ticket transactions. In 2009, 58% of all debit transactions were less than $20. Year-over-year PIN debit transaction grew 13% for the same period with an average ticket size of $41 while signature debit transactions increased 9% with an average ticket of $35. This, according to the PULSE “2010 Debit Issuer Study,” also shows those who conducted at least one PIN or signature POS transaction within the last 30 days performed on average 17.3 POS transactions per month, flat compared to 2009; the percentage of eligible accounts that can be accessed by a debit card remained steady at 73 percent since 2007; and 64% of consumer debit cards are active also steady since the 2008 figure of 66%. With Regulation E in effect, issuers expect 30% of consumers to opt in to overdraft services, but expectations vary according to institution size. Large banks expect 20 to 40 percent of their customers to opt in, while many credit unions and community banks expect a much higher participation rate, with many forecasting that more than 70 percent of customers will opt in.

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Recurly Deploys Intuit Payment Gateway

Self-serve subscription billing management provider Recurly is now offering
subscription billing management with automatic integration to Intuit’s
merchant account and payment gateway service. As part of the promotion through Recurly, Intuit Payment Solutions is
offering businesses incentives to apply for their merchant account and
payment gateway services. Approved merchants receive $100 American
Express Gift Card, or a free copy of QuickBooks Pro ($199 Value), and no
fees for two months. This offering enables
small businesses, who are interested in launching subscription-based
businesses to assemble an end-to-end solution for subscription billing
with payment gateway services, merchant account and automatic
QuickBooks integration in days rather than months.
small businesses can set up a recurring billing system
and start generating recurring subscription revenues. They can easily
assemble an end-to-end solution for subscription billing with payment
gateway services, merchant account and automatic QuickBooks
integration. And Intuit Payment Solutions provides extremely competitive
rates so businesses can launch quickly without paying a premium for
taking a simple approach.

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2009 OD Fees Average $33.36, Highest at Big Banks

Consumers saw an average bank overdraft fee of $33.36 in 2009. For those
who bank with institutions with card portfolios of less than
$100million, they had to pay an average of $30.21 for each overdraft.
Meanwhile, those who elected to go with a larger institution with
portfolios of greater than $100million, were doling out an average of
$36.50 in fees. US over-limit 2009 card fees on portfolios greater than
$100million averaged $1 higher than in 2008, having peaked in September
at $38.01. Compared to September 1999, over-limit fees averaged $24.12.
The peak average of $24.96 in 1999 was in December. For bank portfolios
of less than $100million, over-limit fees in 2009 peaked in December at
$33.99 after having not topped the $30 mark until August. In 1999, the
overdraft fee high was $18.63, also in December. With Regulation E in effect, issuers expect 30% of
consumers to opt in to overdraft services. Large banks expect 20 to 40% of
their customers to opt in, while the smaller banks
expect 70% of their customers to opt in.

$100mm
JAN: $28.05 $35.92
FEB: $28.35 $35.92
MAR: $28.80 $35.93
APR: $28.83 $35.95
MAY: $28.90 $35.98
JUN: $29.30 $36.10
JUL: $29.48 $36.12
AUG: $31.35 $37.75
SEP: $31.66 $38.01
OCT: $31.56 $36.58
NOV: $32.34 $36.90
DEC: $33.99 $36.91
SOURCE: Carddata.com

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KDDI & GEMALTO PILOT

Mobile provider KDDI has selected Gemalto to launch its NFC program.
From May to December 2010, participants in this pilot can
experience various types of NFC services ranging from mobile payments,
transportation services, e-driver’s licenses, e-ticketing, as well as
information acquisition from smart posters. This trial will have
participation from a wide-range of leading industries including car
manufacturers, airline companies, and cinema operators. Gemalto has been entrusted with the
preparation and management of sensitive user information between KDDI
and other service providers, as well as the provision of multiple mobile
applications to subscribers. This NFC project will be based on
international standards, complying with the GSMA’s Pay-Buy-Mobile
specifications. GSMA is the worldwide association of Mobile Network
Operators. Japan is already the world’s most advanced mobile contactless
market with 18% of mobile subscribers actively using mobile contactless
services; and industry experts are optimistic about quick consumer pick-up.

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PAYPASS

On Track Innovations, SIX Pay, an European player in the acquirers market, and MasterCard have started tests of contactless payment cards using MasterCard PayPass technology in selected urban transport ticket vending machines. The people of Warsaw have been provided with the option to make quick non-cash payments for their tickets in all OTI subsidiary, ASEC’s machines located in the Metro stations and other locations in Warsaw.
Currently in Poland PayPass payments are accepted, for example in: McDonald’s, Coffee Heaven, Zabka, Kolporter, Empik, Sferis and in Shell petrol stations. Additionally, contactless payments can be made in such music festivals as Smooth Festival, Open’er Festival, Coke Live Music Festival, Selector Festival and Off Festival. Moreover, contactless payments are accepted in selected Extra Class football league stadiums.

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Serverside Makes Available Shoreline Card Personalisation

Serverside Group and Rhode Island-based Shoreline Business Solutions personalization have partnered to offer client credit unions and community banks “Make-It-Mine” customizable payment cards to their cardholders. The customizable solution allows Shoreline customers to offer an online card customization, for subsequent increased transactions and interchange fees due to top-of-the-wallet placement and improved acquisition and retention rates. Serverside’s extensive implementation experience, coupled with a best in class suite of ever-growing viral and social marketing tools, enable Shoreline’s customers to launch successful and lucrative custom card programs to their cardholders at short notice. The “Make-It-Mine” solution provides
a Card Competition application where issuers can easily launch a card design; confirmation emails that include a picture of the finished card design that can then be forwarded on to friends or posted to a social site; widget applications such as an interactive mini card designer that can be embedded in blogs and on websites using some simple code; and an easy-to-use reporting tool for real-time analysis of the card program’s performance.

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G&D MOBILE SECURITY FORUM

Giesecke & Devrient (G&D) organized its third Mobile Security Forum from a field of 30 applicants of which10 were chosen to take part. These companies will be presenting their IT security solutions and applications to a select group of investors and G&D managers. For G&D, a leading provider of security technologies, the event is both a platform for international companies to talk to potential partners and an opportunity for the company itself to sound out possible partnerships. The 10 companies will be showcasing their products at the Mobile Security Forum, and they cover a fascinating range of security solutions for the world of mobile communications. baimos technology GmbH develops innovative solutions for mobile security applications, including for instance the BlueID software – a digital “key ring” for mobile phones. Biometrix GmbH specializes in biometric security solutions for facial, fingerprint and hand recognition as well as iris and vein detection. Cronto Limited from Cambridge/UK is a provider of secure transaction solutions for online banking. The enterprise develops systems that meet the banks’ stringent security requirements and yet are easy for customers to use. ISA Telematics GmbH specializes in the system integration of GPS/GSM-based telematic solutions for motor vehicles, machines and mobile goods as well as solutions for personal tracking and location. Jambit GmbH designs and develops tailor-made software solutions for universal application in different industry sectors and on heterogeneous technology platforms. NeoMedia Europe AG is a specialist in developing and marketing mobile barcode scanning technologies. SAFE ID Solutions AG provides integrated security solutions for the international ID market. The company’s solutions are ideal for use in electronic documents equipped with RFID technology, biometric features and encryption algorithms. SecureNet GmbH specializes in security for Web applications, covering all aspects of security from design and development through to testing and operations. ubitexx GmbH develops and markets management and security solutions for smartphones and business cell phones that support a variety of different smartphone operating systems. uxebu Consulting Ltd. & Co. KG is a provider of technology and solutions for mobile Web applications.

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SIX PAY

OTI’S ASEC S.A.,
one of the operators of the ticket vending machines in the Warsaw
vicinity, SIX Pay, an European player in the acquirers market, and
MasterCard have started tests of contactless payment cards using
MasterCard PayPass technology in selected urban transport ticket vending
machines. The people of Warsaw have been provided with the option to
make quick non-cash payments for their tickets in all OTI subsidiary,
ASEC’s machines located in the Metro stations and other locations in Warsaw.
Currently in Poland PayPass payments are accepted, for example in:
McDonald’s, Coffee Heaven, Zabka, Kolporter, Empik, Sferis and in Shell
petrol stations. Additionally, contactless payments can be made in such
music festivals as Smooth Festival, Open’er Festival, Coke Live Music
Festival, Selector Festival and Off Festival. Moreover, contactless
payments are accepted in selected Extra Class football league stadiums.
The acceptance network of PayPass technology is constantly growing in
Poland and, according to the financial forecast of Polasik Research, the
network can increase up to 15,000 service and retail locations by the
end of this year. Around the world there are currently nearly 75 million
PayPass cards and devices accepted in 230,000 service and retail locations.

Details