AmEx Adds More Juice to Membership Rewards

As the credit card industry embarks on value building in its reward
programs, American Express has beefed up its “Membership Rewards” with
two new features, one enabling cardholders to redeem points for
“everyday” type charges and the other for “special,” frequently changing
redemptions. The “everyday” redemptions start at 1,000 points and may be
used for groceries, gas, electric, phone, bills, office supplies,
transit, mailing/shipping bills, etc. Cardholders can redeem by clicking
on the “Use Points for Everyday Charges” link on their online statement.
The new “Membership Rewards Specials” program offers limited time or
limited supplies great deals. For example, 50% more transferred points
to Starpoints through September 22nd and 40% when they redeem for a
Garmin “nuvi 550,” while supplies last. AmEx also added new program
partners to the “Membership Rewards” including Zappos.com, Chili’s Grill
& Bar, Maggiano’s Little Italy and Bonefish Grill.

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GEMALTO & MASTERCARD

Gemalto digital security has received certification from MasterCard for
its TSM (Trusted Services Management). Demonstrating Gemalto’s readiness
for supporting commercial launches of mobile contactless payment
programs, according to MasterCard’s security requirements, the
certification applies to Gemalto’s Taiwan-based data center. This
enables the company to support financial institutions in the deployment
of their NFC services on mobile phones for the secure deployment and
management of contactless mobile payment and establishes that MasterCard
recognizes and endorses the company’s ability to manage personal user
information for banking transactions.

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CardinalCommerce Integrates SafetyPay

Alternative payment provider SafetyPay has teamed with CardinalCommerce
to add
SafetyPay to the “Cardinal Centinel” platform. SafetyPay specifically
targets
shoppers who are afraid to purchase online due to identity theft or
fraud, international shoppers who cannot purchase because their credit
cards are not accepted, and global online banking customers without a
credit card but the financial means to shop online.
Cardinal and SafetyPay partnered to aid U.S. eCommerce business
expansion in untapped domestic and International markets. Now, over 50
million International e-shoppers who desire to purchase from US
merchants will have a secure, viable alternative payment solution with
SafetyPay. International expansion is the new movement in the eCommerce
world and overseas eCommerce represents one of the few compelling growth
opportunities in this challenging retail environment; with bank
partnerships in Latin America and Europe, SafetyPay is a turnkey
solution to enter such markets.

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SCL3711

SCM Microsystems has introduced its “SCL3711” contactless smart card
reader. Capable of supporting multiple contactless applications,
including mobile payments, transportation, access control and
e-government, the “SCL3711” is available on a high-performance, fully
interoperable, multi-protocol portable USB reader. It supports all major
13.56 MHz contactless technologies, including ISO
14443 type A & B, FeliCa, MIFARE and DESFire, and can enable devices
with NFC connectivity by inserting it into a free USB port or
integrating it directly into the respective device. SCM’s “SCL3711” can
be used at home or on the road and is small enough to be clipped on a
key ring to facilitate contactless applications such as purchasing
tickets, logging on to a computer or network, downloading loyalty
coupons and using eGovernment applications.

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CO-OP Offers an ATM Upgrade Program

CA-based CO-OP Financial Services has rolled out a support program for a series
of ATM upgrades to enhance member profitability. The first option, “Diebold Superload” ATM branding option gives credit unions the
ability to place custom marketing messages and graphics on Diebold Opteva ATMs. The new
graphical screens replace the old “green screen” look typical of most ATM
transaction screens to offer a credit union’s ATM channel to be a
consistent branded experience. The “NCR Aptra Edge 3.0 Phase II” will offer members
software for NCR PersonaS and SelfServ ATMs that includes mini-statement
continuation; multi-dispense; bulk check deposits; multi-check deposits and check and cash payments. CO-OP will also offer
Additionally, CO-OP Network now supports the Triton Systems RL1600 ATM;
WRG Services Apollo Series ATMs and Genesis Series ATMs; Wincor-Nixdorf Procash ATM
CCDM (Check and Cash Deposit Module), and Wincor-Nixdorf Procash FLEX 2.0 software.

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Microsoft to Take BankAnywhere Everywhere

Microsoft and Atlanta-based M-Com have introduced their “BankAnywhere” mobile payments solution. “BankAnywhere” provides a complete end-to-end and best-practice security and risk management capabilities. It is also available across multiple mobile devices; offers cost elimination by moving customers to lower-cost, self-service channels; and provides differentiation and control over the bank’s mobile channel and the user experience they provide to customers. Open loop payment mechanisms, choice of payment execution models, and interoperability across devices are essential to delivering the optimal customers experience, available through m-banking. A Microsoft “Gold Certified Solution Developer”, M-Com supports “BankAnywhere” across
the globe. Bangkok Bank and KeyBank both recently selected a mobile
financial services solution that leverages the M-Com “BankAnywhere” platform. The institutions chose “Mobile Money” from Fiserv, which was launched in conjunction with M-Com in September 2008.

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CPI EMV

Canadian facilities under direction of the CPI Card Group (CPI) card
production and services has been certified by Visa and Interac to
manufacture and personalize EMV financial cards. The EMV international
standard regulates financial transactions with a smart card chip in
replacement of a magnetic stripe, offering a higher level of security
than magnetic stripes to securely store data and allow secured
authentication of the card holder during the transaction. CPI Card Group
secure solutions include customized card designs and manufacturing;
microprocessor-based smart card technology; support for payment card
issuers; personalization; in-house fulfillment; end-to-end solutions
from manufacturing to data preparation, and fulfillment of cards across
many sectors.

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BANK-ANYWHERE

Microsoft and Atlanta-based M-Com have introduced their “BankAnywhere” mobile payments solution. “BankAnywhere” provides a complete end-to-end and best-practice security and risk management capabilities. It is also available across multiple mobile devices; offers cost elimination by moving customers to lower-cost, self-service channels; and provides differentiation and control over the bank’s mobile channel and the user experience they provide to customers. Open loop payment mechanisms, choice of payment execution models, and interoperability across devices are essential to delivering the optimal customers experience, available through m-banking. A Microsoft “Gold Certified Solution Developer”, M-Com supports “BankAnywhere” across
the globe. Bangkok Bank and KeyBank both recently selected a mobile
financial services solution that leverages the M-Com “BankAnywhere” platform. The institutions chose “Mobile Money” from Fiserv, which was launched in conjunction with M-Com in September 2008.

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SCA Slates Physical Access Workshop

The Smart Card Alliance will hold a workshop in October that focuses on
the next generation of physical access controls.

The workshop will be held in conjunction with the Smart Card Alliance
8th Annual Smart Cards in Government
Conference in Washington DC. The workshop, “Smart Cards and Next
Generation Physical Access Control
Systems” (PACS) will present an overview of the technologies and
requirements that are driving next
generation PACS designs, based on FIPS 201-2 and NIST SP 800-116
Guidelines. The workshop will look at the impact that cryptography,
federal interoperability requirements, risk-based multi-factor
authentication, and PACS integration with asset tracking and logical
access systems will have on next generation PACS implementation.
The Smart Card Alliance Physical Access Council is focused on
accelerating the widespread acceptance, usage, and application of smart
card technology for physical access control. The group brings together,
in an open forum, leading users and technologists from both the public
and private sectors and works on activities that are important to the
physical access industry and that will help speed smart card adoption in
this important market. Physical Access Council projects have focused on
the impact that FIPS 201 will have on U.S. government physical access
requirements and on the integration of physical and logical access control.

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Chase Unveils a Cardholder Management Toolkit

After two years of planning and research Chase announced an online consumer credit management toolkit. The new tools are fully integrated into customers’ accounts, enabling them to create customized
payment plans and track their progress on every statement, either online or on the phone working with a Chase advisor. The new “Chase Blueprint”
offers four features: “Full Pay”; “Split”; “Finish It”; and “Track It.”
“Blueprint” will be available to 20 million cardholders of “Chase Freedom,” “Chase Sapphire,” “Slate from Chase” (formerly Chase Platinum), “Ink from Chase” and other Chase business cards. “Full Pay” enables customers to decide which expenses they want to pay in
full every month and avoid interest. “Split” enables customers to select the number of payments or monthly payment amount for larger purchases. “Finish It” allows customers to choose a plan and a goal date for pay-off. “Track It” enables customers to track their spending online by category whenever they want and is available online daily. Chase also partnered with Dr. Hersh Shefrin, author of “Beyond Greed and Fear: Understanding Behavioral Finance and the Psychology of Investing”, to develop the “What’s Your Financial Style?” quiz.

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GEMALTO & VODAFONE

Gemalto digital security and Vodafone have been awarded an Identity
Deployment of the Year Award (IDDY) for their collaborative
proof-of-concept identity application. The application enables smart
card-based strong authentication of an “OpenID” across the Internet or a
mobile network, an industry initiative to allow individuals to use the
same username and password at many different websites. For “OpenID,
Gemalto and Vodafone combined its ease of use and the security of smart
card-based two-factor authentication to provide greater personal
identity protection when accessing websites. The user has the ability to
prove their identity by entering their username and password or using
two-factor authentication with a physical device. The identity
application provides remote strong authentication services over IP
networks, wired or wireless, to allow secure access to the federated
websites.

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