Monday, December 12, 2011

Isis Selects Gemalto for Mobile Payment and NFC Services in the US

Hi John,

I hope you’re well, and not too busy in the run up to Christmas!  I continue to enjoy reading the ePayment News blog and wanted to drop you a note about something I’m working on, regarding mobile payments, that I thought you might be interested in.

You may have come across the news today that ISIS (a joint venture between AT&T Mobility, T-Mobile USA and Verizon Wireless) has chosen Gemalto’s Trusted Service Manager (TSM) solution to secure its latest mCommerce platform, comprising a number of interesting services. You can find out more on a blog post I recently put together here:
ABI Research recently claimed that services beyond payments are expected to be the fastest growing segment of NFC technology over the next few years, so Gemalto has produced an infographic to help explain the important role that TSM plays in securing devices and protecting consumers. If you’d like to take a look please let me know and I can share it with you. Theres also a video on YouTube that helps explain what the mobile payment system means for consumers, so it could be worth a look:

Posted on 12th Dec 2011 by 

Guest Post from Gemalto Blog

Very exciting news this week – Gemalto’s Trusted Service Manager(TSM) solution has been chosen to secure the Isis mobile commerce platform. If you have been following the recent buzz about Near Field Communication (NFC) mobile payments and services over the past year, chances are you have heard of Isis.  It is the joint venture between AT&T Mobility, T-Mobile USA and Verizon Wireless that aims to bring secure NFC mobile payments and services to consumers.

Isis is different from other mobile payment ventures because it’s a neutral platform – retailers, card issuers, transit providers, even enterprises can utilize it without giving their customer data to Isis. Where does Gemalto fit into all of this?  In one simple word, security.  As the TSM, we build a secure bridge between Isis and the payments or service providers.  Gemalto will securely provision and place consumers’ information – whether it is for payments, loyalty, transit, smart posters, or others – onto their mobile device.   They can then perform mobile payments or use services securely.

This is what Ryan Hughes, chief marketing officer of Isis had to say about our new relationship:

“We selected Gemalto for its long-standing relationships with financial institutions and mobile operators, which includes experience in securely provisioning services over the air and issuing sensitive financial information to the consumer.  Gemalto’s dedication to security is unmatched in the industry and will provide the Isis Mobile Commerce Platform with the necessary infrastructure to ensure consumer and merchant confidence in the Isis Mobile Wallet.”

So, what are some of the activities Isis will enable on mobile devices?  Contactless mobile payment gets most of the press, but it is just one of the options. Indeed, Isis will allow consumers to make payments at the retail point-of-sale (POS) simply by holding their mobile device close to the contactless reader.  But, there are also many other services Isis can enable to make consumers’ lives more convenient.  In fact, these other services beyond payments are actually expected to be the fastest growing segment for NFC technology, according to ABI Research.

Some examples: smart posters can be a great use of the Isis platform, as retailers and others can set it up so consumers can receive coupons, tickets, and other promotional materials simply by holding their mobile device close to the poster.  It’s also easy to create mobile device-based loyalty programs where consumers redeem rewards right at the POS.  And, Isis is for more than just retail.  Imagine having your employees wave their phone in front of a reader for secure access to the office, or mass transit users storing their tickets on their phone – this is all possible with Isis.

Watch the Gemalto blog over the next few weeks, where we will expand our discussion on Isis, our role as the TSM, and what it means for the future of mobile payments and services.


Global Near Field Communication (NFC) Market (2011 - 2016)

Dallas, TX -- (SBWIRE) -- 12/12/2011 -- Near field communication (NFC) is a next generation technology wave, in which point to point radio frequency communication technology offer short range communication at low power. NFC technology works on ISO 13157 network standard. Simplicity, versatility, backward compatibility, and data security are the major attributes driving NFC‘s growth at higher rate.

In 2010, the worldwide NFC transactions has crossed a double digit value of $billion which proves the escalated growth in the NFC technology market. The phenomenon growth of smartphone’s market is driving the NFC market [], since NFC is an integral part of it. The report describes the market analysis and forecasting along with the pricing trends which are expected to emerge in the five year bracket from 2011 – 2016.

The major focus of the NFC technology is the monetary transaction business, currently being dominated by contactless smart cards. NFC is expected to penetrate high in the application segments like entertainment, digital content sharing, access control, transport, media and advertising, and retail sectors. This report covers all the above segments which are grouped under three basic modes of operation of the NFC device, namely; read/write mode, card emulator mode, and peer to peer mode. Due to price competitiveness, card emulator mode is expected to capture the largest chunk of market among above mentioned modes.

This report outlines the geographic break down of the market and the forecasting of the same according to the four major regions; North America, Europe, APAC (Asia Pacific), and ROW (Rest of the World). The report’s scope includes the market segmentation and trend forecasting according to the products, applications, and geography. Products such as NFC tags (chip), NFC enabled SIMs, NFC micro SD cards, and infrastructure like NFC readers and middleware are covered while estimating the market. Besides market forecasting, chapters including competitive landscape of major players, recent patent activities and company profiles are also features of the report. Major companies are profiled according to the value chain of the industry. NXP Semiconductors, Qualcomm Snapdragon, and Renesas under chip manufacturers’ segment; Nokia, Samsung, RIM and Apple as cell phone manufacturers/system integrators; and VISA, Master Card, and NTT Docomo as supporting service providers.

Global Near Field Communication (NFC) Market (2011 - 2016)

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MarketsandMarkets is a global market research and consulting company based in the U.S. We publish strategically analyzed market research reports and serve as a business intelligence partner to Fortune 500 companies across the world.

MarketsandMarkets also provides multi-client reports, company profiles, databases, and custom research services. They cover thirteen industry verticals, including advanced materials, automotives and transportation, banking and financial services, biotechnology, chemicals, consumer goods, energy and power, food and beverages, industrial automation, medical devices, pharmaceuticals,

semiconductor and electronics[] , and telecommunications and IT.

We at MarketsandMarkets are inspired to help our clients grow by providing apt business insight with our huge market intelligence repository.

American Express Launches Payment SDKs

NexGen Digital Connectivity Tools Enable Best-in-Class Speed and Efficiency for Developers
NEW YORK--()--American Express today became the first payment network to fully enable global processing services with Payment Software Development Kits (SDKs). These Payment SDKs offer a full complement of Authorization and Submission solutions for vendors and merchants across the globe looking to process transactions directly with American Express.
“We built our Payment SDKs with a relentless focus on improving the developer experience to help ensure that our direct connectivity partners can easily develop and integrate to American Express payment processing services”
Payment SDKs represent the next generation of digital development tools that will enable connectivity to the American Express payment ecosystem for merchants, third-party processors, gateways and point-of-sale manufacturers. Available directly through the American Express website, Payment SDKs are expected to result in:
  • Drastically reduced development times
  • Enhanced certification efficiencies
  • Ease of access to the American Express suite of value-added solutions like SafeKey and Enhanced Authorization
“We built our Payment SDKs with a relentless focus on improving the developer experience to help ensure that our direct connectivity partners can easily develop and integrate to American Express payment processing services,” said Patricia Partelow, Vice President, Innovative Payment Solutions at American Express. “We expect this improved experience to greatly reduce the time and complexity of certification projects and accelerate the digital payments revolution for our merchants and cardmembers.”
American Express Payment SDKs include:
  • Developer guides
  • Sample code
  • Integration code
  • Sample apps
Partelow said development and certification efforts that previously took months now can be achieved in days, with users able to send preliminary test transactions within hours of downloading the SDKs. Pilot partners have included industry leaders across the spectrum, from major global processors to regional merchants.
While the new Payment SDKs will help bring merchants onboard faster and more efficiently, more importantly they will help drive innovation across the American Express network as digital partners are able to move faster to market with payments solutions.
Payment SDK Features:
  • Interfaces with American Express’s Payments API platform Internet Direct
  • Available in Java & .NET versions
  • The Authorization SDK works with all forms of direct connectivity supported by American Express
  • Submissions SDK enables a complete and secure payment solution
  • Uses American Express global standard specifications
  • Provides access to all American Express fraud prevention tools and value added services associated with transaction processing
The American Express Payment SDKs can be accessed at:
About American Express
American Express is a global services company, providing customers with access to products, insights and experiences that enrich lives and build business success. Merchant Services is the merchant network of American Express, which acquires and maintains relationships with millions of merchants around the globe, which welcome American Express-branded Cards.

Mobile Excellence Awards Announces Its 2011 Winners at Prestigious Awards Gala in Los Angeles

Industry Influencers and Executives Gathered to Honor the Best in Mobile Entertainment & Technology

LOS ANGELES, CA--(Marketwire)- The Mobile Excellence Awards honored industry leaders and rising stars at its annual gala, which took place on Monday, December 5th at a prestigious event in Los Angeles, CA and exclusively covered and filmed by the prestigious Arts & Living Magazine.
The Mobile Excellence Awards is the only coveted award program in the industry of this caliber which recognizes and honors the companies that have truly set the bar of excellence in their respective fields. From leading brands to studios, carriers and startups, Mobile Excellence Award finalists and winners were celebrated by the industry's leading executives, influencers and guests at the Gala Celebration.
"This year's Mobile Excellence Awards definitely set the bar of excellence, not just for the MEA organization, but as a standard of excellence for the rapid growth of the mobile industry," said Sarah Miller, CEO of Axis PR and Founder & Chair of Mobile Excellence Awards. "We couldn't have asked for better partners and sponsors this year. We congratulate all the winners who showed innovation, creativity and most importantly, overall growth and determination to better the future of the industry as a whole. We look forward to continuing to offer a place of recognition and leadership as we approach the 2012 MEAs."
The 2011 Mobile Excellence Awards are presented by Little Monster Media in partnership with Axis PR & Entertainment. This year's Awards were presented by Verizon Developers Community and sponsored in part by Mercedes-Benz Research & Development, AEG Live, YouTube, Alcatel-Lucent, Weather Channel, Axis PR, Airkast, United Futures, Mobile Monday and Open-First. The event itself was also co-produced by Network LIVE.
2011 Mobile Excellence Award Winners
Mobile Ambassador, Scott Holmes, CEO, United Future
Industry Star, Mercedes Benz Research & Development, North America
Best Original Content Made For Mobile, NBC Universal for NBC News Mobile
Best Mobile Music, Muzine
Best Mobile Games, Rovio Mobile and Fox Digital for Angry Birds Rio
Best Mobile Product, Wowee ONE Slim
Best Mobile Application for Entertainment, for NBC iPad App
Best Mobile Application for Utility or Business, QuickOffice
Best Mobile Application for News & Information, Bloomberg Businessweek+
Best Mobile Technology Breakthrough, Qualcomm for Snapdragon MSM8960
Best User Experience, Zappos for Zappos Mobile
Best Brand Marketing Campaign, AT&T and Samsung for Samsung Infuse 4G
Best Community/Fan Content, Bravo Digital Media for Top Chef All-Starts Social TV
Best International, Univision Marcador
Best Mobile Payment, Intuit GoPayment Free Reader
Best Mobile Innovator, Pinger
Best Content Extension Made for Mobile, National Geographic One to One Interactive Kids'Almanac QR Code Campaign
Best Delivery Platform, Shodogg by Touchstream Technologies
Best Entertainment Integration for Mobile, Mercedes Benz Research and Development North America for Concept A-Class
**Winners of 2011 Mobile Excellence Awards were determined by scores from an undisclosed panel of high-caliber judges from top-tier business and technology companies. Award winners were sealed and not revealed until the evening of the awards**
About Mobile Excellence AwardsThe 2011 Mobile Excellence Awards profiles the latest in mobile entertainment, including media, marketing and technology. We award excellence in execution of corporate approach, consumer services, consumer experiences, content creation, and marketing devices or revenue generators for the mobile entertainment industry. For more information, please

Top Ten Wireless Predictions for 2012

SOURCE: Juniper Research Limited
December 12, 2011 03:57 ET
Prospects of a Double-Dip Recession Threaten Smart Device Market, Finds New Report Available as a Complimentary Download From the Juniper Research Website
HAMPSHIRE, UNITED KINGDOM--(Marketwire - Dec 12, 2011) - As 2011 draws to a close Juniper Research has drawn up a list of predictions for the coming year, all neatly wrapped up as the top trends for the mobile and wireless industry for 2012. A complimentary report detailing the findings is available to download from the Juniper website today.
Recession Likely to Hit Smart Device Sales
There is a strong possibility that recessionary conditions will have an adverse impact on smartphone and tablet sales, particularly in the case of unsubsidised devices. Juniper's view is that, given the extent to which smartphones have already become a near "must-have" device, the impact here will be less significant than for tablets, where it may well reduce the extent to which these devices penetrate the wider market, notably across Western Europe. The effect will be most acutely felt in the premium tablet sector, where net device sales could plateau or even decline.
Conversely, the reduction in average purchasing power could conceivably benefit players such as Amazon and ARCHOS, inasmuch as cash-strapped consumers may opt for the lower-priced Kindle Fire or an ARNOVA-branded device rather than the iPad.
Top Ten Wireless Predictions for 2012
Please see below for a full list of the top ten wireless predictions, with each prediction explained in more detail in the complete download available here.
1. Recession Likely to Hit Smart Device Sales2. London 2012 to Boost Mobile Advertising and M-Gambling, and Kickstart NFC
3. Mobile Coupons to Drive mCommerce Market Despite Economic Stagnation
4. 2012 - The Year of the Quad-Core Processor
5. Windows 8 OS to Fuel Nokia Revival & Disrupt Tablet Market
6. 2012 to see High Profile Malware Attacks on Mobile Devices
7. MEMs Accelerometers and Gyroscopes to Transform Sensor Market for Mobile Devices
8. Social Gaming to Become a Major Mobile Play with Introduction of Synchronous Gaming
9. Online, Mobile and Physical Will Begin to Fuse into One Retail Market
10. Cloud Mobility to Drive Collaborative Communications
About Juniper ResearchJuniper Research provides research and analytical services to the global hi-tech communications sector, providing consultancy, analyst reports and industry commentary.

Gemalto Selected by Isis to Deploy Mobile Payment and NFC Services in the U.S.

Gemalto to Provide Isis Mobile Commerce Platform with Trusted Service Manager (TSM) Solution
AUSTIN, Texas--()--Gemalto (Euronext NL0000400653 GTO), the world leader in digital security, has been selected by Isis to secure its mobile commerce platform through Gemalto’s Allynis Trusted Service Manager (TSM) solution. Isis, the mobile commerce joint venture between AT&T Mobility, T-Mobile USA and Verizon Wireless, will provide consumers and merchants with an open and secure mobile commerce platform that will revolutionize how consumers shop, pay and save.
“Gemalto is thrilled to support Isis in delivering the speed, security and convenience of mobile contactless payment”
We selected Gemalto for their long-standing relationships with financial institutions and mobile operators, which includes experience in securely provisioning services over the air and issuing sensitive financial information to the consumer,” said Ryan Hughes, Chief Marketing Officer of Isis.“Gemalto’s dedication to security is unmatched in the industry and will provide the Isis Mobile Commerce Platform with the necessary infrastructure to ensure consumer and merchant confidence in the Isis Mobile Wallet.”
Isis will enable consumers to enjoy the speed, security and convenience of mobile contactless payment using NFC technology at retail outlets such as restaurants, movie theaters and drug stores. Consumers will be able to securely pay, present loyalty cards, and redeem coupons all with a tap of their phones.
“Gemalto is thrilled to support Isis in delivering the speed, security and convenience of mobile contactless payment,” added S├ębastien Cano, Senior Vice-President, Gemalto North America. “Using our extensive experience with worldwide commercial deployments Gemalto has designed a solution for Isis to support mobile payment and a host of NFC services like digital couponing and loyalty programs, access control and mass transit.”
About Gemalto
Gemalto (Euronext NL0000400653 GTO) is the world leader in digital security with 2010 annual revenues of €1.9 billion and over 10,000 employees operating out of 87 offices and 13 Research & Development centers in 45 countries.
Gemalto is at the heart of our evolving digital society. Billions of people worldwide increasingly want the freedom to communicate, travel, shop, bank, entertain, and work—anytime, anywhere, in ways that are convenient, enjoyable and secure. Gemalto delivers on the growing demands for personal mobile services, identity protection, payment security, authenticated online services, cloud computing access, modern transportation, e-healthcare and e-government services. Gemalto does this by providing secure software, a wide range of secure personal devices, and managed services to wireless operators, banks, enterprises and government agencies.
Gemalto is the world leader for electronic passports and identity cards, two-factor authentication devices for online protection, smart credit/debit and contactless payment cards, as well as subscriber identification modules (SIM) and universal integrated circuit cards (UICC) in mobile phones. Also, in the emerging machine-to-machine applications Gemalto is a leading supplier of wireless modules and machine identification modules (MIM). To operate these solutions and remotely manage the software and confidential data contained in the secure devices Gemalto also provides server platforms, consulting, training, and managed services to help its customers achieve their goals.
As the use of Gemalto’s software and secure devices increases with the number of people interacting in the digital and wireless world, the Company is poised to thrive over the coming years.
For more information visit, or follow @gemalto on Twitter.
About Isis
The joint venture is between AT&T Mobility LLC, T-Mobile USA and Verizon Wireless and is based in New York City. The venture is chartered with building ISIS™, a national mobile commerce platform that will fundamentally transform how people shop, pay and save. The Isis mobile commerce platform will be available to all merchants, banks and mobile carriers. Isis is a trademark of JVL Ventures, LLC in the U.S. and/or other countries. Other logos, product and company names mentioned herein may be the trademarks of their respective owners.

TNS Enters Multi-Year Payment Services Agreement with Open Solutions

RESTON, Va.--()--Open Solutions Inc.®, a leading provider of integrated enabling technologies for financial service providers throughout Canada, the United States and other international markets, has decided to partner with Transaction Network Services (NYSE:TNS) to support Open’s payment transaction processing solutions in Canada.
“With this agreement to use TNS’ Secure SSL Gateway and Dial services, Open Solutions now becomes one of our largest customers in Canada. Thanks to this important relationship and others, we are extremely well positioned to continue to grow our payment networking and gateway businesses in Canada.”
Open Solutions selected TNS to provide secure payment network connectivity solutions to support its growing ATM and payment processing business. TNS currently supports the communication needs of over 100,000 ATMs around the globe through the highly secure and resilient TNS Secure Payment Network. This unique PCI certified network has been designed to improve security and deliver critical payment transaction information between merchants, banks, payment processors and other payment institutions.
Ray Low, President of TNS' Payments Division, said: "With this agreement to use TNS’ Secure SSL Gateway and Dial services, Open Solutions now becomes one of our largest customers in Canada. Thanks to this important relationship and others, we are extremely well positioned to continue to grow our payment networking and gateway businesses in Canada.
“Open Solutions values TNS' proven expertise in reliable and secure transaction delivery and we are pleased to partner with a leader in the Canadian market with a reputation for innovative solutions and exceptional customer service. Throughout North America, our Customers are recognizing the value of TNS' unique combination of service quality and value, and as a consequence we are seeing our customers migrating more of their traffic onto TNS."
Rob Palin, General Manager of Open Solutions’ Payment Solutions Group, said: “I’m delighted to be partnering with TNS to deliver our payment services and solutions to the Canadian market. TNS provides us with a scalable and secure payment network which can handle our growing volume of transactions. We see TNS as a company that is well positioned to partner with us to support our future direction.”
Open Solutions has served the Canadian financial services industry for more than 30 years, providing managed services that enable financial services companies to efficiently serve the needs of their customers. Known as a leading provider of ATM, credit and debit card services throughout Canada, Open Solutions is a Direct Connect member of the Interac Association, a national payment network that allows Canadians to access their money through automated banking machines and point-of-sale terminals across Canada.
TNS is a global provider of payment gateway and payment network connectivity solutions, connecting merchants and retailers to the world’s leading banks, acquirers and processors to enable secure, efficient and cost-effective delivery and processing of payments.
TNS’ Payments Division provides a wide array of end-to-end managed solutions designed specifically for the payments market, including solutions for acquirers, processors, merchants and other payment service providers. On behalf of these organizations each year, TNS manages over 15 billion payment transactions across the world and provides services and support to customers in over 60 countries.
For more information about TNS please visit
About Transaction Network Services
Transaction Network Services (TNS) is a leading global provider of data communications and interoperability solutions.
TNS offers a broad range of networks and innovative value-added services which enables transactions and the exchange of information in diverse industries such as retail, banking, payment processing, telecommunications and the financial markets.
Founded in 1990 in the United States, TNS has grown steadily and now provides services in over 60 countries across the Americas, Europe and the Asia Pacific region, with our reach extending to many more. TNS has designed and implemented multiple data networks which support a variety of widely accepted communications protocols and are designed to be scalable and accessible by multiple methods.
For further information about TNS, visit

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