enstream
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enstream is seeking driven individuals who can help make mobile commerce a reality in canada. are you ready to make a difference in the world of mobile payment and security technology with enstream ?
@ enstream robert blumenthal chief identity officer, and other panel participants @ identitynorth 2018 conference. urltoken
gsma: that’s really impressive. with the successful operators so far, what is next for enstream ?
enstream provides identity verification and device authentication services based on real - life customer identities held by trusted mobile networks .
almis: enstream, with software from bell id and secure hosting from blackberry, is the secure element trusted service management (tsm) hub for canada. enstream is also a service provider (sp) tsm for an increasing number of issuing banks and wallet providers. where enstream does the technical work for both sides of a connection, the process is quick and efficient. however, enstream has connected with other tsm providers including gemalto and g & d, as needed .
enstream announces identity confirmation services to improve on line identity verification and mitigate fraud. services cover > 90% of canadians .
because enstream can resell access to mno secure elements, we operate as a commercial hub for operators and issuing banks. as the single point of contact, enstream eliminates the need for bilateral negotiations, bilateral contracts and associated complexities between operators and financial institutions .
enstream is a joint venture of bell, rogers, and telus that provides identity verification and authentication services for 3rd party applications .
“as the single point of contact, enstream eliminates the need for bilateral negotiations, bilateral contracts and associated complexities between operators and financial institutions. ”
bell, rogers and telus (through enstream), are using wireless networks to advance digital identity and device authentication, to reduce fraud. urltoken
enstream has been established to act as a hub, interconnecting any canadian issuer with all mobile network operators making bell id’s vendor neutrality especially attractive .
i applied through a recruiter. the process took 1 day. i interviewed at enstream (toronto, on (canada) ) in april 2011 .
you can’t spoof your network location. enstream retrieves mobile location based on the same cell - site triangulation technology used to support emergency 911 services. simple, fast, reliable .
almis ledas, coo of enstream, spoke with the gsma’s digital commerce programme to discuss how its end - to - end mobile payment solution is helping to evolve the canadian mobile payment system .
enstream is a joint venture set up between bce inc.' s bell, rogers and telus specifically to manage mobile payment technology, which also includes gift cards, and loyalty rewards programs .
pat curran, executive chairman at bell id, adds: “bell id has proven success in delivering large scale emv token deployments for key canadian banks. we are delighted to now be working with enstream to also share our global tsm expertise in canada to advance the nfc landscape. the selection of bell id’s solution by enstream confirms our position as a leading vendor independent tsm software provider. ”
formed in 2005 by rogers, bell and telus, enstream has attempted for years to develop a platform that lets customers use their smartphone to make everyday purchases, such as groceries or dining out .
about half of the big banks are actively looking at allowing customers to use smartphones to make purchases, mr. ledas said, while the others are tentatively exploring nfc - based solutions with enstream .
the blackberry - maker says it has been chosen by enstream, a mobile payment company set up by canada' s three largest wireless networks, to provide the security infrastructure that would make the technology work .
dutch provider of chip lifecycle management solutions, bell id, has been selected by enstream - a joint venture of bell mobility, telus and rogers communications - to provision and manage secure applications on near field communication (nfc) - enabled devices in canada. the technology enables enstream to operate as a trusted service manager (tsm), and will drive further deployment of nfc - based applications and promote consumer adoption of mobile services across canada .
enstream lp, a joint venture between the country’s three biggest wireless operators, is selling its experimental zoompass mobile payment service in a bid to partner more closely with the country’s big banks, which saw the platform as a competitor .
canadian innovation award for mobile application - enstream lp for zoompass zoompass is a breakthrough mobile money transfer and payment service that offers canadians a fast and convenient way to send, receive and request money instantly and securely from their mobile phone .
who are you, really? enstream services improve online account opening using verified customer information from trusted sources. reduce identity theft and account takeover fraud. verify and maintain up - to - date contact numbers, without clumsy text messages .
enstream, a bell, telus and rogers joint venture, is uniquely positioned to establish itself as canada' s leader in the mobile payment and mobile security, creating a
one stop
solution for issuers and service providers across all mobile devices. enstream will continue to expand the m - commerce ecosystem by providing innovative mobile security solutions that further integrate mobile devices into the lives of canadians and leverage and grow the benefits of mobile payment and mobile security technology worldwide .
payfone - partners - with - enstream - to - continue - global - expansion - of - its - award - winning - digital - identity - authentication - network - to - canada - 300631098. html? tc = eml _ cleartime
“we continue to support enstream, ” a spokeswoman for telus said in an email message. “in regards to [ a ] progress update on our nfc mobile payment solution, we are working hard to bring this service to customers very soon. ”
the sale is more symbolic than material. the platform failed to catch on, while nfc or “near field communications” technology, which can embed banking credentials onto a smartphone through a secured sim card, has superseded and replaced zoompass as the focus for enstream .
sem is a trusted service manager (tsm) solution for carriers that securely manages credentials on sim cards installed in all types of nfc - capable mobile devices. sem is being used by canadian carrier joint venture enstream to manage secure credentials on nfc phones .
blackberry has struck a three - year mobile payment agreement with enstream, a joint venture between canada' s three biggest telecom companies - bell (tsx: bce), rogers communications (tsx: rci. b) and telus (tsx: t) .
“we want to enable existing institutions to have access to the mobile handset as a payment vehicle. we don’t want to compete with the financial institutions, ” almis ledas, chief operating officer for enstream, said in an interview. “zoompass got in the way by being a competing service. ”
in addition to consumer - facing suretap, rivals rogers, bell and telus operate another joint venture called enstream lp, which manages access to the infrastructure in a smartphone where sensitive card credentials are stored. like the companies do in their other business units, this vertical integration is a play for control .
almis: we have plans to expand the capability of enstream support, and with each implementation this becomes easier, quicker and more cost effective. we are also moving into non - financial issuers and examining the level of security required to make this possible. currently, we are in the process of developing a tsm to accommodate transit. this platform will be less complex and less expensive than our visa / mc certified tsm because there is less functionality and less security overhead required. this means that we will soon have a tsm available for non - financial transactions, such as access control, ticketing and transport. having demonstrated the value of enstream on the basis of being an impartial hub, we will use this as a unique selling point to move into new markets .
almis ledas, chief operating officer at enstream, comments: “bell id trusted service manager was chosen since it fully aligns with industry standards and is scalable and adaptable to future business and technical requirements. it is also form factor neutral, supporting applications on any type of se. the flexibility offered by the solution ensures that we can support different implementation models and provide a wide range of capabilities to our customers. ”
our proposition is to operate as a utility – so, we do not own the user interface and we have a business model that is open access for all, which in itself will help the market scale. from our point of view, the end game for canada is to use the mobile handset for secure payments and other services. multiple bank applications can coexist on the enstream infrastructure, run by the banks themselves .
bell id® trusted service manager is a vendor neutral software platform used by tsms. the solution provides over - the - air lifecycle management of applications, cryptographic keys and secure elements (ses) on nfc devices. it enables tsms – such as enstream – to supply service providers, including banks, transit operators and merchants, with the means to securely provision, store and update their credentials and applications on nfc capable mobile devices .
almis: i believe that the enstream solution has three aspects that appeal to our customers. first, we enable access to the entire mobile customer base through one point of contact. this removes the need for financial institutions to deploy multiple technical connections or engage in separate contractual negotiations with each mno. in this, our appeal is similar to that of apple pay. second, we are a utility operating on a cost recovery basis. we are not seeking to derive margin from serving the issuers. our goal to serve as much of the market as we can on shared infrastructure and pass the efficiencies on to our customers. finally, we are totally flexible in adapting to the needs of the fis, rather than seeking to impose a predefined solution. we support banks using their own stand - alone payment applications, shared wallets, or enabled banking applications. we will work with banks deploying their own credentials or tokens from card associations .
if you have any questions or comments regarding the accessibility of this publication, please contact us at accessible @ urltoken .
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collis is a leading provider of emv, e - id, and e - passport test tools, consulting, and training in canada. contact us for emv training and test tools for every step of the emv transaction life - cycle - cards, terminals, acquiring host and authorization host. collis america at 1 - 651 - 925 - 5410 .
visa operates the world' s largest retail electronic payments network and is one of the most recognized global financial services brands. visa facilitates global commerce through the transfer of value and information among financial institutions, merchants, consumers, businesses and government entities .
how do you compete? it' s an interesting question because it relates not just to you personally, but also to how you help your organization compete. do you work at expanding your network? likely you do. does your organization? likely it doesn' t .
at act canada we are networked with close to 1, 000 organizations and more than 5, 000 individuals around the world. we are dismayed by how often organizations rely on their employees' networks while isolating themselves from both their stakeholders and competitors .
is that because we have a flawed definition of
competition
? do we confuse
competitor
with
competition
? i think we do and it is to our detriment .
most of our members are competitors with other members, but they face common issues and share common needs. this is true in both the public and private sectors .
let' s take the time to redefine competition, because it is fundamentally important in any market. but having said that, many things that competitors do are not related to their competitive edge. these are areas where collaboration can help open, grow or sustain a market .
for 21 years, act canada has practiced this philosophy and our members have benefitted from it. if you are not at the table, you' re missing this key benefit .
international innovation for banking / finance technology - cpi card group for the nfc pilot for vancouver olympics emv personalized microsd' s to enable near field communication (
nfc
) phones to us olympic athletes. this solution uses the industry standard microsd interface built into the smart phones to add plug - and - pay active contactless capability to mobile devices .
international innovation for business model service - oberthur technologies for emv in a box emv - in - a - box is a fully integrated emv migration solution and management program. it is a fully flexible turnkey solution based on oberthur' s expertise adapted to the technological framework and project criteria of the issuer .
canadian innovation award for banking / finance application - cpi card group for their bio degradable dual interface mastercard cpi - canada with mastercard has introduced a product that is compliant with all security specifications commanded by emv standards, offers the benefits of contactless speed - of - transaction and caters to the environmentally conscious consumer in canada .
canadian innovation award for e - transaction application - stj retail for eft plus lite eft plus lite is an emv certified software solution that, when coupled with the appropriate services, will allow stj retail to offer a turnkey retail payments solution for multinational retailers .
our congratulations to all the nominees and we look forward to celebrating next year' s achievements .
interac association, canada' s leading payment network, has successfully carried out a series of contactless debit transactions using scotiabank debit cards and td merchant services' point - of - sale terminals. the new contactless enhancement of interac direct payment, called interac flash, increases the functionality of interac branded debit cards by leveraging dual interface chips that give cardholders the ability to carry out a point - of - sale debit transaction using the contact or contactless feature of the card .
the successful transactions that have taken place bring us closer to a national roll out of interac flash ,
said mark o' connell, president and ceo, interac association .
from delivering exclusive functionality to providing a strong value proposition to the market, interac flash is a win - win. we leveraged our intimate understanding of the canadian marketplace to design innovative and unique contactless features that we believe will meet the needs and wants of all participants .
inside contactless developed the dual interface chips for interac flash. interac flash builds on the security of global emv standards; existing chip debit infrastructure; strong consumer protections and other features unique to interac association; as well as the trusted interac brand. the dual interface chip that will reside on interac debit cards will allow cardholders to choose either the standard chip debit or contactless feature of the card to make everyday purchases .
responding to our customers' needs is important to scotiabank, and they have told us that they want to be provided with innovative products and services to help simplify their everyday banking and shopping experiences ,
said brent currie, managing director, day to day banking, scotiabank .
these successful in - market transactions took place at select merchants in downtown toronto .
we are focused on providing superior customer service. to us that service includes providing innovation our merchants can depend on, like the option to improve their customers' check - out experience ,
said jeff van duynhoven, president, td merchant services .
interac association will continue to work with key stakeholders through 2010 to ready the interac direct payment point - of - sale extension of interac flash for national rollout on interac branded debit cards in 2011 .
interac association, inside contactless, scotiabank and td merchant services are members of act canada; please visit urltoken; urltoken; urltoken & urltoken .
inside contactless achieved a major milestone with the delivery of the first dual - interface debit card solution compliant with the interac flash specification. scotiabank debit cards based on the inside solution and td merchant services' point - of - sale terminals have already been used to perform a series of successful interac flash transactions at select merchants in toronto .
the scotiabank debit cards use inside' s micropass 6008 dual - interface payment microprocessor with the resident interac flash application, allowing cardholders to pay using the contact or new contactless interface to make everyday interac purchases. interac association is using the inside micropass 6000 platform as the
reference chipset
to perform in - market testing and to prepare the payment ecosystem for national rollout of interac flash next year .
inside has been working closely with interac association on the creation of interac flash, a next - generation contactless payment enhancement for the canadian marketplace, and developed the interac flash application running on the micropass 6000 dual - interface platform .
inside contactless, interac association, scotiabank and td merchant services are members of act canada; please visit urltoken; urltoken; urltoken & urltoken .
available in the act canada members only section of our web site. click on the link below to access this section. urltoken
if you are a member of act canada but do not have your login details please contact me - andrea @ urltoken .
inside contactless and cpi card group announced they have received type approval from discover financial services, llc for mobile payment stickers based upon inside' s micropass 4002 contactless payment processor. incorporating the discover zip payment application, the certified stickers contain all the functionality of a traditional discover credit, debit or prepaid card, and enable discover card issuers to offer their customers the additional convenience of using their mobile phones or other portable devices to make contactless payments anywhere using the discover zip standard .
available now, the new discover zip mobile payment stickers are being manufactured by cpi card group. the stickers are delivered already pre - cut from id1 card devices and pre - personalized to allow for personalization and fulfillment using traditional card processing equipment .
canadians looking for a mobile app, regardless of their choice of smartphones, should look no further. td today announced it has launched a free td mobile app for blackberry and android devices. the new apps make td the first financial services provider in canada with mobile apps for the most in - demand smartphones available on the market .
whether you' re a blackberry, iphone or android fan, we' re making mobile banking convenient and comfortable for everyone ,
said joan dal bianco, vice president, online channel, td .
now our customers, including thousands of small business owners, can pay bills, check account balances, and find a nearby td branch or atm, anytime, anywhere, on any of these mobile devices .
the metropolitan transportation authority (mta), port authority of new york and new jersey (path), nj transit (njt) and mastercard worldwide announced the launch of a six month pilot program in which mastercard paypass will be accepted for fare payments on select train and bus routes throughout new york city and new jersey. the announcement enables riders of the three transit systems to purchase fares and transfer between transit systems simply by tapping a single type of contactless credit or debit card or device .
the trial, which will take place june 1 - november 30, 2010, is the first payment system to link the transit agencies, replacing the need for riders to carry specific fare cards for three separate transit systems. for example, commuters transferring from a path train to the new york city subway will need only one type of payment device for each ride - their mastercard paypass card or device - to
tap & go
, improving the overall customer experience through increased speed and convenience .
the trial program is an extension of a successful pilot of contactless payments conducted by the mta with mastercard and citigroup beginning in july 2006 when contactless readers were placed in 80 fare gates at 30 stations on the lexington avenue train line. during this new trial, all mastercard paypass cards and devices will be accepted from any issuing financial institution .
using their mastercard paypass or other contactless payment - enabled card or device, riders will be able to choose from a
pre - fund
or
pay - as - you - go
fare option, and on mta and njt services can take advantage of existing time - based fares, such as one day, weekly, bi - weekly or monthly passes, as well as discounted fares for senior citizens, disabled and student riders .
visa has launched a payment card in europe to improve security for online transactions .
the codesure card contains a keypad and an eight - character display for showing a one - time passcode for any visa debit or credit card .
the company has taken the step because online transactions are more susceptible to fraud as they do not use the pin .
online transactions often rely on information printed on the card and hackers who have these details may be able to make a purchase online .
visa' s verified by visa and mastercard' s securecode systems provide additional security, but still rely on a static password, which is vulnerable to hacker attacks .
the codesure card overcomes that vulnerability by displaying a unique one - time passcode after users enter their pin using the keypad on the card .
the codesure card goes beyond online banking and shopping and also allows organisations to use the card in place of other online log - in systems to access, for example, corporate virtual private networks, she said .
gemalto announced that it has been selected by japan' s kddi - a leading mobile communication provider with over 31 million subscribers, to provide its user identity module (uim) cards and trusted service management (tsm) solution for their near - field communication (nfc) program. from may to december 2010, participants in this pilot can experience various types of nfc services ranging from mobile payments, transportation services, e - driver licenses, e - ticketing, as well as information acquisition from smart posters. this trial will have participation from a wide - range of leading industries including car manufacturers, airline companies, and cinema operators .
gemalto plays an important role in this trial, entrusted with the preparation and management of sensitive user information between kddi and other service providers, as well as the provision of multiple mobile applications to subscribers. this nfc project will be based on international standards, complying with the gsma' s pay - buy - mobile specifications. gsma is the worldwide association of mobile network operators. japan is already the world' s most advanced mobile contactless market with 18% of mobile subscribers actively using mobile contactless services; and industry experts are optimistic about quick consumer pick - up .
yespay international ltd has completed the emv chip and pin end - to - end certification of its emboss card payment service with chase paymentech and first data, two major card acquirers in the usa and canada. yespay is now working with merchants in the usa and canada who need to upgrade their retail pos systems to emv chip - and - pin card payment standards: merchants can thus process emv chip & pin cards that are being globally issued including in canada and mexico within usa thus stopping cross - border card fraud to migrate from canada and mexico to usa .
dr chandra patni, ceo of yespay international said ,
we are not the only company thinking along the lines of offering emv card acceptance in the u. s. : according to an industry article published recently (wal - mart to support smartcard payments, computerworld, 21 may 2010), the retail giant wal - mart is reportedly planning to make all its payment terminals in its u. s. stores chip - and - pin - capable. such a move would definitely trigger other u. s. merchants to move to chip - and - pin transaction processing
.
it is true that the imminent emv chip - and - pin card rollout in the usa will certainly reveal a challenge for merchants that will have to upgrade their integrated epos point of sale systems to accept payments with emv chip - and - pin cards which yespay can provide help in .
through emboss, merchants can fast track the implementation of integrated emv card payments acceptance solutions for in - store and unattended payment systems, as well as enhance their websites for on - line payments with minimal capital investment and low on - going services costs. it reduces business and technical issues of outsourcing payment services and helps merchants avoid lengthy timescales and high costs of emv certification and pci compliance of their retail environments. fully scalable, emboss can address the needs the single location merchant as well as larger chains .
13. cibc to acquire $ 2. 1 billion canadian mastercard portfolio from citigroup source: canada newswire (06 / 14 )
cibc announced that it is broadening its reach in the canadian marketplace through the acquisition of a $ 2. 1 - billion credit card portfolio from citigroup' s (
citi
) canadian mastercard business. through this transaction, cibc, which had more than $ 14 billion in outstanding credit card balances at april 30, 2010, will become the largest dual credit card issuer in canada .
citi cards canada and mastercard canada are members of act canada; please visit urltoken & urltoken .
oberthur technologies delivers the issuance system of the georgian electronic passport. the first electronic passport has been issued april 15th 2010 .
oberthur is supplying full end - to - end e - passport, personalization solutions. the project also includes the supply of standards and interoperable electronic passports, and consumables .
today, there are 3 centres in georgia (tbilisi, kutaisi and batumi) fully operational to deliver electronic passports, with 5 levels of delivery depending on the emergency of the demand .
oberthur technologies and the civil registry of georgia have been working on this project in order to offer a high secure passport to the georgian citizens. the offer endows with the latest and best electronic passport technologies with a secure chip inside the booklet, common criteria certified eal4 +, and fully compliant with the international recommandations of icao and with the latest eu recommendations for a secure chip inside the booklet (eac chip) and common criteria .
the new u. k. government announced that it is to scrap plans for identity cards for british citizens within 100 days. the national identity register, the database that contains the biographic and biometric fingerprint data of card holders, would also be destroyed .
home secretary, theresa may said ,
this bill is a first step of many that this government is taking to reduce the control of the state over decent, law - abiding people and hand power back to them. with swift parliamentary approval, we aim to consign identity cards and the intrusive id - card scheme to history within 100 days .
deputy prime minister, nick clegg said ,
the wasteful, bureaucratic and intrusive id - card scheme represents everything that has been wrong with government in recent years. by taking swift action to scrap it, we are making it clear that this government won' t sacrifice people' s liberty for the sake of ministers' pet projects .
the identity documents bill is part of a first wave of priority legislation set out in the queen' s speech on may 25, 2010. the bill invalidates the identity card, meaning that holders will no longer be able to use them to prove their identity or as a travel document in europe .
the government aims to have the bill passed through parliament and enacted by the parliamentary recess in august, in a move that will save the taxpayer around £86 million over the next four years, once all cancellation costs are taken into account. it would also avoid around £800 million of ongoing costs over the next 10 years, which were to be recovered through fees .
the role of the identity commissioner would also be terminated. the public panels, designed to scrutinize the identity - cards scheme, have already been disbanded .
for more information, please contact andrea mcmullen at 1 905 426 - 6360 ext 124 or email andrea. mcmullen @ urltoken .
please forward any comments, suggestions, questions or articles to andrea. mcmullen @ urltoken. please note that articles contained in this newsletter have been edited for length, and are for information purposes only .
this section was produced by the editorial department. the client was not given the opportunity to put restrictions on the content or review it prior to publication .
as companies race to position themselves in the swap of physical wallets and plastic cards for virtual ones, canada’s largest telcos unveiled a lofty expansion to their mobile payments app tuesday .
the launch of suretap, co - owned by rogers communications inc. , bce inc. , and telus corp. , has been pushed back at least twice. but the launch tuesday mean it will now be accepted on more cell phones, on more credit cards and at more merchants .
the biggest challenge in getting the expanded app — in production for the past nine months — to stand on its own was getting the slew of moving parts on the same page at the same time, said jeppe dorff, the president of suretap .
when suretap was first released last year, it was a closed wallet with limited application. it could have been used to pay for everyday purchases where contactless payments were accepted on select devices connected only to the wireless network of rogers communications inc. only two credit cards from issuer rogers bank and gift cards to a handful of retailers could have been installed on the digital application and used in stores .
this release broadens the carrier support for suretap to five, adding both the main and flanker brands of bce inc. and telus corp. , including bell, virgin, telus and koodo. cibc, which also has its own mobile payments app, will offer suretap users access to its complete credit card portfolio and more retailers such as forever 21 and groupon have signed on as well, bringing the total to 38 credit cards and 30 gift cards .
“it made sense to let’s say make sure there’s an application that’s good for the consumer, that the consumer can access irrespective of what carrier they’re on, or what bank they’re with, or what retailer they want to engage with, ” said dorff. “it avoids confusion and drives adoption. ”
canadians have been slow to adopt mobile payments, and the time delay between new product releases and the lack of widespread advertising campaigns to improve awareness has only stymied consumer usage .
still, companies from an array of sectors are converging on the fast - changing space. some of the country’s largest banks are all promising to be wherever their clients are – even if it means inking partnerships that potentially threaten their own proprietary products. conversely, the telcos are trying to solidify their place, as technological advances are making it possible for carriers to be bypassed altogether .
the suretap joint venture makes use of the current payments infrastructure and is pre - installed in most newly activated rogers devices, a tactic dorff says has made “a material difference” for adoption. the carriers can persuade new subscribers at the point - of - sale to use suretap and educate them on how to seamlessly conduct mobile payments, giving the big three telcos a valuable head start against the many bank - run or other less - known third - party apps that people have to search for .
dorff expects to make additional announcements later this year about the inclusion of debit cards, loyalty cards, digital coupons and deals as well as partnerships with other issuers and rogers’ fido, an obvious exclusion because it claims to target younger, tech - savvy users who are more likely to try mobile payments. but it remains to be seen whether suretap will take hold .
“if you think about the experiences you have with the card products you have in your wallet today – those pieces of plastic – they’re good, they serve a purpose for you, ” dorff said. “but in the future, you’re going to see your balances, transaction histories and get other relevant information when you need it on - demand. it’ll be different. ” cpellegrini @ urltoken
advice for businesses that have been hacked or attacked by ransomware: hire professionals as soon as possible to negotiate with the attacker, pay the settlement and then restore the integrity ...
the rising cost of in - house it services, including data security, can be chalked up to three factors: people, processes and technology .
the purpose of any effective network data security system is to identify, repel and defeat known security threats .
the european union’s general data protection regulation, or gdpr, has some north american companies so worried about compliance that they’ve temporarily suspended the accounts of 500 million europeans .
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alongside increased efforts by rogers communications inc. , bce inc. and telus corp. to strike agreements with the banks, the divestiture announced tuesday may pave the way for a broader rollout of the so - called “mobile wallet” this year .
zoompass, introduced in 2009, was designed to enable phone to phone cash transfers as well as physical purchases with a prepaid credit - card. the model was somewhat of a workaround by the carriers to circumvent the country’s big banks, who control the traditional payment - solutions market place alongside credit - card issuers .
some analysts suggest that by creating an alternative payment system, zoompass would have given rogers, bell and telus bargaining power with the banks in wresting away a portion of the billions of dollars in electronic transactions between merchants and financial institutions each day .
mr. ledas said the rogers - bell - telus partnership hopes to make announcements in the coming weeks of new agreements between banks and mobile carriers .
there are currently about 1. 4 million mobile subscribers in canada equipped with phones which can support near - field transactions, according to comscore, which involve swiping a device over a contactless credit - card terminal .
the market is split 50 / 50 between blackberry and android phones, comscore vice - president and analyst bryan segal said. apple inc. has yet to develop an iphone equipped with nfc capabilities .
still, analysts suggest the revenue for the wireless carrier facilitating a mobile transaction is minimal, with the lion’s share of fees claimed by banks and credit - card issuers. some suggest carriers must still create greater leverage if the new revenue stream is to grow substantially .
one way to achieve that is to become an issuing bank, they say. rogers, the country’s biggest mobile operator applied to become just that in late 2011, months before striking its own deal with the canadian imperial bank of commerce in may .
“all of this is one massive negotiation between the banks and the telcos, ” said one telecom analyst, who asked not to be named. “i would say everything that they do, including rogers applying for a schedule 1 banking licence, is along that road. ”
secure, trusted identity services supported by canada’s leading telecommunications companies – bell, rogers, telus, fido, koodo, lucky and virgin mobile .
an independent and reliable data source for name, address, and contact number verification based on up - to - date customer account information from mobile operators .
secure, network - based device authentication increases security and convenience, and helps protect against account take - overfraud .
reliable mobile device location that can’t be spoofed and that requires no preloaded device software. supported on any mobile device on any participating network .
your mobile network knows you like no - one else! easily enhance security using network and device information as a “silent” second factor for authentication for mobile applications. verify carrier network, mobile number, sim card, account status, and device information in real - time. detect changes using notification services .
canada is a world leader in mobile payments. the country’s early commitment to emv card security opened the door for a high penetration of contactless terminals. canadian mobile network operators are also creating fertile ground for mobile payments, with canada’s major mobile operators (bell, rogers and telus; as well as regional operators mts and sasktel), offering secure element - based nfc payment capability. five of canada’s “big six” financial institutions offer secure element - based nfc payment capability and an incredible 84 per cent of major canadian retailers have adopted nfc terminals. combined with 74 per cent smart phone penetration across the country, consumers are well placed to adopt mobile payments .
in this, we are different from apple pay. we manage more complexity, and if the banks want to evolve their service to leverage the capabilities of the mobile device to authenticate customers, we will evolve with them. we have also found that it can be time consuming and expensive for banks to make internal changes to accommodate mobile payments. it is faster and less expensive for us to undertake modifications on our side, adapting to the needs of each bank .
we expect continued evolution in mobile payment applications. some banks may favour services tightly integrated with their mobile banking applications. others might prefer the simplicity of shared wallets. we aim to accommodate their needs regardless of which path they take .
almis: we are still in the very early stages of mobile payments. so far, both issuers and handset manufacturers that have had the option of using a secure element have chosen to use a secure element. but the best technology doesn’t always win. where mobile operators don’t back the sim - based solution, issuers may have no option but hce. in canada, however, we are fortunate to have broad market support among mobile operators for the sim based solution. nevertheless, we realise that we are in a very competitive field and the issuers have options. fortunately, i believe that the sim - based secure element is the best solution for any handset that can use it. it has significant advantages and we have already worked through many of the technical deployment challenges .
a technology with its challenges known from commercial operation, like the sim - based solution, will never look as easy or effortless as an alternative still in the lab or on the drawing board. but hce will also face challenges due to the number of manufacturers and operating systems. the mobile industry has demonstrated that the sim is an asset in making different handsets work harmoniously on a single network, and i believe the same will be true for payments .
“in the long term, i believe that the mobile phone in itself will replace the wallet for many applications. ”
in the long term, i believe that the mobile phone in itself will replace the wallet for many applications. currently, it is the app rather than the phone that effectively acts as a wallet, but there is a limit to how many apps a person will actually use for mobile payments in everyday life. too many apps will slow down the user experience, resulting in the inevitable demand for a more streamlined solution. the user interface will have to change, but there are still many different elements of a phone that can be used to greatly improve the user experience .
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suretap partners with points to become first mobile wallet to truly integrate loyalty cards in the canadian market .
tiabank - adds - telus - bell - virgin - and - koodo - support - to - mobile - payments - app - on - android - and - blackberry / #. vhawocrtgh4. twitter
scotiabank today unveils a series of enhancements to its mobile payment service, my mobile wallet .
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nviso apkscan - malware analysis report (cibc - mobile - payment - app - 2 - 1 - 9 - apkplz. com _. apk )
cibc - mobile - payment - app - 2 - 1 - 9 - apkplz. com _. apk
allows an application to initiate a phone call without going through the dialer user interface for the user to confirm the call being placed .
allows an application to receive the action _ boot _ completed that is broadcast after the system finishes booting .
allows an application to monitor incoming sms messages, to record or perform processing on them .
no screenshot taken during dynamic analysis. this most likely means that your application did not run correctly on our test device. our test devices run android 4. 1 jelly bean (api level 16), and currently do not support hardware opengl acceleration. since the application did not run correctly, the results in the sections below could be incomplete !
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небольшой компании в даунтауне требуется опытный server - side java developer на фуллтайм позицию .
we are seeking a java software developer to join our agile development team. while being involved in various parts of the business and new features, your primary focus will be our payment processing. common tasks include working with the product team to define, refine and understand requirements, development of new features, unit testing features and ensuring timelines are met. learning the system architecture, design of the current system and identifying areas that need to be refactored will also be core tasks. we believe every member of the development team should be able to work on every aspect of the system. feature development rotation is a key strategy we follow to allow developers to become subject matter experts .
generating new ideas, dealing with constant change and effectively communicating information will be key to success in this role. if this sounds interesting, and you’d like to join a team working on the most exciting mobile payment application in north america, then we would love to hear from you .
experience with wildfly 9. x or newer and jboss 5 application servers is an asset. experience with both is a big asset .
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turkcell are now leveraging mobile connect to actively develop services they believe will be the basis of a new revenue stream. in this case study find out what steps turkcell ar ...
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enstream lp is a mobile commerce joint venture company owned by bell mobility , rogers and telus — canada ’s three main wireless companies . the three carriers formed enstream lp in 2005 . enstream manages a mobile money transfer service called zoompass . the company was initially called wireless payment services but was later re-branded as enstream . 
enstream lp is a mobile commerce joint venture company owned by bell mobility, rogers and telus — canada ’s three main wireless companies. the three carriers formed enstream lp in 2005. enstream manages a mobile money transfer service called zoompass. the company was initially called wireless payment services but was later re-branded as enstream.
enstream lp is a mobile commerce joint venture company owned by bell mobility, rogers and telus — canada ’s three main wireless companies. the three carriers formed enstream lp in 2005. enstream manages a mobile money transfer service called zoompass. the company was initially called wireless payment services but was later re-branded as enstream.