Tuesday, November 29, 2011

Heartland Payment Gets Gilbartco Passport Certification for Smarlink


November 29, 2011 08:05 AM Eastern Time 

Heartland Payment Systems Announces Gilbarco Passport Certification for SmartLink Managed Network Services

Heartland’s state-of-the-art solution streamlines network operations and reduces telecommunications costs
PRINCETON, N.J.--()--Gilbarco Veeder-Root has certified Heartland Payment Systems’® (NYSE: HPY) SmartLinkTMManaged ProPlatinum, ProPlus and Pro managed network services as a certified solution on the Gilbarco Passport® point-of-sale (POS) system. As a certified partner of network services on Gilbarco’s Passport POS system, SmartLink provides secure network connectivity that operates efficiently and effectively to deliver payment transactions on Gilbarco equipment in a PCI (Payment Card Industry) compliant environment.
“We are very pleased that our SmartLink product has been certified as a Gilbarco Broadband/WAN Networking Solution partner as it further demonstrates our commitment to the petroleum retail market”
“We are very pleased that our SmartLink product has been certified as a Gilbarco Broadband/WAN Networking Solution partner as it further demonstrates our commitment to the petroleum retail market,” said Michael Youngkin, Heartland’s director of network solutions. “As one of the largest petroleum payments processors, Heartland understands the unique needs of the petroleum industry and has a commitment to providing the best management tools for marketers and distributors alike.”
SmartLink is a secure, managed network service that effectively supports secure transaction data and back-office systems, allowing petroleum and c-store operators to spend less time managing their networks and more time caring for customers. SmartLink is supported by the security of a Secure Socket Layer (SSL) gateway for critical payment applications and a secure Virtual Private Network (VPN) for the multiple back office functions provided by the Gilbarco Passport POS. SmartLink technology also helps petroleum retailers protect sensitive data and meet PCI standards.
Andrew Robinson, Gilbarco’s director of Point of Sale, noted, “Gilbarco’s SmartLink certification gives retailers another secure managed network option to meet their PCI compliance obligations, simplify their network infrastructure, and improve productivity of IT managers. By ensuring SmartLink’s seamless operation with the Passport Point of Sale, retailers can focus more on serving customers versus resolving common network issues.”
SmartLink is a first-of-its-kind technology that can transmit both transactional data as well as integral back-office information for retail petroleum operations. SmartLink’s merchant gateway allows operators to monitor their automatic tank gauge, in-store environmental control system and daily back-office data such as email, file sharing and internet usage. The payment gateway allows operators to monitor their point-of-sale terminals, money-order terminals, check verification, ATM, fleet card and loyalty card transactions. SmartLink operates on any broadband circuit and can be scaled to save cost and improve operations for single-store and multi-store operators.
Heartland is one of the largest payments processors in the convenience store and petroleum industry, offering a comprehensive suite of products and services including card processing, prepaid services, check management, payroll services and more. For more information, please visit HeartlandPaymentSystems.com/Petroleum or SmartLinkPro.com.
About Heartland Payment Systems
Heartland Payment Systems, Inc. (NYSE: HPY), the fifth largest payments processor in the United States, delivers credit/debit/prepaid card processing, gift marketing and loyalty programs, payroll, check management and related business solutions to more than 250,000 business locations nationwide. A FORTUNE 1000 company, Heartland is the founding supporter of The Merchant Bill of Rights, a public advocacy initiative that educates merchants about fair credit and debit card processing practices. The company is also a leader in the development of end-to-end encryption technology designed to protect cardholder data, rendering it useless to cybercriminals. For more information, please visit HeartlandPaymentSystems.com and MerchantBillOfRights.org.
About Gilbarco Veeder-Root
Gilbarco Veeder-Root is the worldwide technology leader for retail and commercial fueling operations. We offer the broadest range of integrated solutions from the forecourt to the convenience store and head office. For almost 150 years, Gilbarco has earned the trust of its customers by providing long-term partnership, uncompromising support and proven reliability. In fact, we help manage the business and maximize the bottom lines for 17 of the top 20 convenience store operators in the U.S. For more information, please visitGilbarco.com/US.
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Seamless Launches Payment Card Killer


November 29, 2011 02:58 AM Eastern Time 
World premier for mobile payment solution, SEQR, that replaces costly credit and debit card solutions
STOCKHOLM--()--Seamless – traded on the Nasdaq/OMX First North list – launches a new payment solution for retail and online trade. The new solution will enable customers to use smart phones rather than credit or debit cards to make payments. By using a mobile phone to scan a QR code at the cash register, the customer can authorise that the payment is drawn from their bank account or credit provider. The Seamless solution – for which patent is currently pending in a total of 41 different criteria – makes it possible for retailers to avoid the high fees charged by credit card companies.
“If we imagine that all US retailers start using SEQR, the total savings could be as high as $24 billion each year. This demonstrates the massive potential of the solution”
Each cash register has cashier integration and a unique code that together with Seamless' transaction platform ERS 360° makes it possible to send the sum of transaction directly to the customer's mobile phone for authorisation. The authorised sum is then withdrawn directly from the customer's bank account.
“There are two really interesting things here. We bypass the credit card companies completely, meaning that retailers no longer need to pay their high fees. Also, the fact that we make use of existing hardware means that the system can be implemented in new retail chains very quickly and without any investment costs for the retailer,” explains Peter Fredell, CEO of Seamless.
The retail and grocery trade sectors currently pay high fees to credit card companies in order to use their services. In addition, they are required to invest in new card payment terminals every time a new standard is introduced. In the US, retailers pay $49 billion each year in credit and debit card fees. With Seamless`solution, retailers have a chance to halve their current costs.
“If we imagine that all US retailers start using SEQR, the total savings could be as high as $24 billion each year. This demonstrates the massive potential of the solution,” says Peter Fredell. He continues: “The technology is simple and easy to implement for the retailer since all they have to do is stick a QR code sticker at each cash register. Then, the muscle power is provided by our very advanced and proven ERS 360 system which provides the necessary transaction management, security and links to the customer’s bank account or credit provider Our platform is currently handling more than 2.4 billion transactions in 26 countries each year. Only a select few stakeholders in the world are capable of handling such a high volume of transactions, and our operational security is considered second to none. Our presence in these countries also means that we can roll out the new solution quickly without any major technical difficulties.”
How it works The consumer uses his/her mobile phone to scan a simple QR code at the cash register terminal. The terminal is connected to Seamless' transaction platform and the QR code identifies the cash register that the customer is using. Seamless' platform then responds with a list of items entered and an amount to be paid. The consumer can thereafter pay directly using his/her mobile phone. The transaction takes approximately half the time of a standard card payment transaction.
Seamless filed patent applications for the solution in the EU and the US on October 12, 2011.
About Seamless:
Seamless is a software innovation company specialized in solutions for Mobile Money, prepaid e-Top Up and Value Added Services. Seamless has deployed e-Top Up and M-commerce solutions for more than 40 mobile operators in 26 countries, across three continents. Seamless was founded in 2001 and the share is traded at NASDAQ OMX First North. The company headquarter is in Stockholm, Sweden, with offices in Mumbai and Kolkata, India, Accra in Ghana and Lahore in Pakistan.
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New Credit/Debit Card Sleeves from ICFE Use New Anti-RFID Technology to Protect Against Electronic Eavesdroppers

SAN DIEGO--(BUSINESS WIRE)--The widespread and often illegal use of Radio Frequency Identification (RFID) technology has made carrying a driver's license, military/government ID, many passports, and credit/debit cards very risky because of the easy ability of electronic eavesdroppers to read magnetic strips and computer chips which are embedded in the cards. Protecting personal information on credit/debit cards is a top priority for everyone. 

Now it can be done inexpensively with the ICFE’s new anti-RFID Credit/Debit Card Sleeves. 

Practically anywhere someone goes with ID and/or credit/debit cards on their person they are very vulnerable to thieves - electronic pickpockets - unless they have these new sleeves with the anti-RFID technology to protect their cards. 

Here is what to protect: Driver’s licenses, passport cards, military and government IDs, credit cards, debt cards, bank cards, and medical and other insurance cards. Cards that are carried in pockets, or kept in a wallet, pocketbook or briefcase are especially vulnerable. The result is stolen credit and identity and the victims didn’t feel a thing. The hand held RFID scanners look like a small laptop notebook. 

All the user needs to do is stand near an entrance to a bank or store and scan the unprotected cards of unsuspecting consumers. The nonprofit Institute of Consumer Financial Education, based in San Diego, CA, (icfe.info) is introducing new, specially laminated credit/debit card sleeves designed to keep personal information safe from prying electronic eavesdroppers. Electronic pick pockets will be out in force during the Christmas shopping season, especially at the malls. 

The secret is the certified lamination consisting of a poly film and RFID shielding substrate. The new technology prevents the magnetic stripe, found on almost all passport, ID cards and credit/debit cards, and even those with a chip embedded therein, from being read by RFID scanners, no matter how close the scanner is held to the card/chip as long as the card/chip is kept inside the ICFE sleeves. The ICFE first made the credit/debit card sleeves, a/k/a the credit card condom, available in 1993. Since then, hundreds of thousands are in circulation world-wide. Sleeves are 10 for $10 postage paid. 
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Monday, November 28, 2011

WIMA NFC USA Begins November 30th and NFC Data, Inc. will be there...


WIMA 2011
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WIMA, the leading global conference and exhibition dedicated to Near Field Communication (NFC) technology, will be held November 30 through December 1, 2011 in San Francisco. For the first time, global NFC industry leaders and influencers will meet in the U.S. to raise awareness of NFC technology, applications, products, and services.
Global and established NFC industry leaders and shakers will come together with start-ups, developers, solution providers, product manufacturers, carriers and merchants to network, partner, learn and exchange about how diverse NFC applications will enable a multitude of services.
Keynotes and presentations will be presented by industry experts from leading companies including:
  • Jeff Miles, Vice President Mobile Transactions Worldwide, NXP Semiconductors, Official Sponsor
  • Corey Wilson, Sales & Business Development NFC, UPM RFID, Platinum Sponsor
  • Charles Walton, Chief Operating Officer, INSIDE Secure, Gold Sponsor
  • Jeremy Belostock, Head of NFC, Nokia, Gold Sponsor
  • Hamid Zaidi, Founder, Tagfair, Gold Sponsor
  • Dr. Mikko Kerttula, Chief Executive Officer & Founder, 6Starz, Silver Sponsor
  • Dr. Tam Hulusi, Sr. Vice President, Strategic Innovation and Intellectual Property, HID Global, Silver Sponsor
  • Werner Koele, Marketing & Business Development Manager, Infineon Technologies, Silver Sponsor
  • Glenn Needham, Director, Near Field Solutions Ltd., Silver Sponsor
Other participating organizations include: MasterCard Worldwide, ViVOtech, NFC Forum, GSMA, PayPal, C-Sam Inc., Sony Electronics Inc., Identive Group, Market Platform Dynamics, BayPay Forum, GlobalPlatform, ALINC Consulting Inc., GetJar, ITN International, Proxama, MIT Enterprise Forum, Consult Hyperion, HOTech, Narian Technologies, Poken, Think&Go NFC, Hansaprint, WhileOnTheMove Ltd., Cardolution Handels GmbH, City of Oulu - SmartUrbanSpaces, Aditux, Tagstand, Wireless Sensor Technologies, and YES-wallet .com Ltd, Bank of America, Blue Bite, Cubic, Docomo Innovations, Elisa, IEEE SV, Engadget, Google, inc., Kovio, Lifera, LG Electronics Mobile Research, Intel, Microsoft,  Mobile Monday, MTR Rail, NFC Data Inc., NFC Rumors, NFC World, Opus One Winery, Over-C, Pymnts .com, Renesas, Sequent Software, Sony Ericsson,  ST Microelectronics, TazTag, Telefonica, Tieto, Tyco Retail Solutions, VeriFone, Vistaprint, Zebra Technologies…


The congress will address NFC use, including benefits for merchants in both payment and non-payment scenarios as NFC phones deploy in volume over the next 12 months. Moderated sessions will cover NFC applications and services for gaming, social media, event management, marketing, healthcare, mobile services, retail, payment, access control, ticketing, security, and other applications. WIMA NFC USA also features a demo area where more than 25 companies will showcase NFC applications, products, and services that span industries.

FREE Loan of NFC Mobile & WIMA NFC Experience in San Francisco!
WIMA NFC USA will present an NFC experience for attendees to discover and use around the event including: FREE loan of a mobile NFC phone & B-Card reader app from ITN, NFC Badges by ITN & UPM RFID, Check-in with 6STARZ, NFC Conference Guide by TagAge, competition voting, meeting requests, interactive Q&A's, and evaluation form using an NFC Android app developed by Narian Technologies / UPM RFID…
Learn more
WIMA NFC USA has something for everyone whether you are a newcomer or seasoned NFC player, a developer, product manufacturer, carrier, merchant or other service provider - don’t miss this unique opportunity!

Only a few tickets left so don’t delay in registering
to add your name to our list of attendees!Online registration ends on Tuesday 29th November 9am PCT
After this date, please register on site!

WIMA NFC USA offers your company THE BEST VALUE FOR MONEY at an NFC industry event!
CONFERENCE PASS
1-Day Full Access PassUSD $390*275€
2-Day Full Access PassUSD $570*400€
Pricing and invoicing are in Euros. No tax is applicable.
All prices presented above in USD are approximate and will depend on the currency conversion rate at the time of registering.
As an Independent Application Developer or Student, you can benefit from 15% discount special offer on the above Conference Pass prices, more information.

PLEASE NOTE! If your company is a member of the NFC Forum, GlobalPlatform, Mobile Monday, BayPay Forum or IEEE CE SCV, NFC Meet-Up Silicon Valley, SVC Wireless or if you are in possession of a discount code, please enter this upon registering.
What is included? more information
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Structured Earns PCI Security Standards Council Certification to Offer Complete Payment Card Security Services to Merchants and Service Providers


November 28, 2011 11:05 AM Eastern Time 
Company joins an elite group of service providers certified to provide QSA services throughout North America
PORTLAND, Ore.--()--Structured, a leading information technology and systems integrator of secure and scalable IT solutions and services, announced today it has completed the rigorous Payment Card Industry (PCI) Standards Council certification process to provide qualified security assessor (QSA) services to merchants, banks and service providers in the North American market.
“The importance of stringent standards for the secure handling of cardholder data cannot be underestimated, this is something that affects all of us”
Structured is a longtime provider of data security auditing and PCI readiness services to enterprises and service providers. With this certification, the company now offers a complete suite of services—from PCI readiness to final on-site data security assessment—to guide businesses through the complicated process of achieving PCI Data Security Standard (DSS) compliance.
Structured will work with the PCI Council to achieve and improve payment data security worldwide through the ongoing development of the PCI Security Standards, including the Payment Card Industry Data Security Standard (PCI DSS), PINTransaction Security (PTS) requirements and the Payment Application Data Security Standard (PA-DSS).
Fraud and identity theft are on the rise, stemming mostly from stolen credit card data. “The Leaking Vault 2011,” a study conducted by the Digital Forensics Association, found that between 2005 and 2010, more than 800 million known records were disclosed—an average of 388,000 records per day, every single day of the past six years—at an estimated cost for these breaches of more than $156 billion to the organizations experiencing these incidents.
The PCI Security Standards Council has developed robust and comprehensive standards to enhance payment card data security, but a recent Verizon Payment Card Industry Compliance Report shows that only 21 percent of organizations were fully compliant at the time of their initial report on compliance (IROC). Many companies and web site operators that accept credit cards need help setting up their systems to comply with the complex standards and keep customer information secure.
“In an era of increasingly sophisticated attacks on systems, adhering to the PCI DSS represents an entity’s best protection against network security threats and data breaches,” said Bob Russo, general manager of the PCI Security Standards Council. “By joining as a Participating Organization, Structured demonstrates they are playing an active part in mitigating the threats and improving the security of the payment chain globally by driving the security standards to higher levels of adoption and strength.”
Brad Pierce, CISSP, manager of Stuctured's Security Services Consulting Group, has been individually certified by the PCI Council and will be leading the integration of PCI services into Structured's existing security services offerings.
“The importance of stringent standards for the secure handling of cardholder data cannot be underestimated, this is something that affects all of us,” said Pierce. “The team at Structured has worked hard to provide our customers with the security expertise they need to meet the requirements of an ever expanding regulatory and certification environment. Structured is committed to helping customers ensure the protection of cardholder data and personally identifiable information.”
About Structured
Structured is a leading technology services and consulting company that has partnered with hundreds of clients throughout the U.S. to maximize the value of information technology (IT). For two decades, Structured consultants have collaborated with CIOs and IT departments to develop and implement technology strategies that drive measureable improvements throughout the organization.
Founded in 1992 and headquartered in Portland Oregon, Structured has offices throughout the U.S. and services a global clientele. For more information, visithttp://www.structured.com or call (800) 881-0962.
About the PCI Security Standards Council
The PCI Security Standards Council is an open, global forum that is responsible for the development, management, education and awareness of the PCI Data Security Standard (PCI DSS) and other standards that increase payment data security. Founded in 2006 by the major payment card brands American Express, Discover Financial Services, JCB International, MasterCard Worldwide and Visa Inc., the Council has more than 600 Participating Organizations representing merchants, banks, processors and vendors worldwide. To learn more about playing a part in securing payment card data globally, please visit: pcisecuritystandards.org.
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Top Card Issuer Takes Online Resources’ Collections Global


November 28, 2011 09:00 AM Eastern Time 
CHANTILLY, Va.--()--Online Resources Corporation (Nasdaq: ORCC), a leading provider of online financial services, today announced that a top global credit card issuer is expanding deployment of the Company’s online collections service to its consumers in Mexico, Colombia, Brazil and Spain.
“Technology brings undeniable value to all stages of financial services relationships, especially the collections stage where our clients are recovering millions in delinquent debt every month”
A client since 2006, the issuer has used Online Resources’ award-winning Virtual Collection AgentTM to provide a fully compliant, 24x7 online customer service and collection environment for millions of U.S. consumers of its credit cards, mortgages, auto loans, personal and other loans.
Now live in Colombia and Brazil, the issuer also plans to introduce the Virtual Collection Agent in Mexico, Spain and other countries in the coming months. Consumers in the issuer’s global markets can access the multilingual online service to view information about their delinquencies, apply for and enroll in payment plans, or simply make a payment or a promise to pay. As with the U.S. deployment, the issuer will have the flexibility to rapidly scale their debt recovery efforts in response to the changing needs of each of these markets, without adding labor costs.
“Technology brings undeniable value to all stages of financial services relationships, especially the collections stage where our clients are recovering millions in delinquent debt every month,” said Stephen W. Ryan, executive vice president of Software Solutions and Services for Online Resources. “We are very pleased to expand the Virtual Collection Agent to serve consumers globally and further improve our client’s recovery efforts.”
In addition to its industry-leading receivables solutions, Online Resources provides financial institutions a comprehensive set of banking, payment and presentment and other flexible online solutions.
About Online Resources
Online Resources (NASDAQ: ORCC) powers financial interactions between millions of consumers and the company’s financial institution and biller clients. Backed by its proprietary payments gateway that links banks directly with billers, the company provides web and phone-based financial services, electronic payments and marketing services to drive consumer adoption. Founded in 1989, Online Resources is the largest financial technology provider dedicated to the online channel. For more information, visitwww.orcc.com.
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Virtual Piggy, Inc. Receives PCI Compliance Certification


November 28, 2011 10:00 AM Eastern Time 
System Offers Both Merchants and Parents a Way to Protect Kids on the Internet
PHILADELPHIA--()--Virtual Piggy, Inc. (OTCBB: VPIG) today announced that they have received Level 1 Payment Card Industry (PCI) Data Security Standard (DSS) certification. Virtual Piggy is the first company to provide an ecommerce system that allows merchants to interact and transact with the youth market in a COPPAcompliant manner.
“It is mission critical for us to place data security as our top priority, and we are delighted to achieve certification of our compliance with the highest level of the PCI DSS standard.”
The PCI Data Security Standard, endorsed by American Express, Discover Financial Services, JCB International, MasterCard Worldwide and Visa Inc., requires merchants and service providers that store, process or transmit customer payment card data to adopt information security controls and processes to ensure data integrity.
Achieving PCI certification as a Level 1 service provider demonstrates the company’s commitment to the highest levels of data security for its unique offering that ensures safety for children, security for parents, and compliance with regulations for ecommerce merchants.
“Virtual Piggy provides a unique technology to allow the U18 community to transact online in a secure COPPA compliant manner”, said Debbie Grant, Director of Financial Services at Virtual Piggy. “It is mission critical for us to place data security as our top priority, and we are delighted to achieve certification of our compliance with the highest level of the PCI DSS standard.”
To achieve PCI certification, Virtual Piggy underwent a comprehensive third party assessment of its policies, procedures and technical systems by Coalfire Systems, Inc., a Qualified Security Assessor (QSA) company, as certified by the Payment Card Industry Security Standards Council.
About Virtual Piggy
Virtual Piggy, Inc. delivers a technology platform designed for the management of the Under 18 age group in the global online market. The Virtual Piggy technology enables online businesses to function in a manner consistent with the Children’s Online Privacy Protection Act (“COPPA”) and similar international children’s privacy laws. Virtual Piggy technology enables the Under 18 audience to play, transact and socialize in a secure online environment guided by parental permission, oversight and control. Virtual Piggy is a PayPal Partner. For more information, visit www.virtualpiggy.com
About Coalfire
Coalfire is a leading, independent information technology Governance, Risk and Compliance (IT GRC) firm that provides IT audit, risk assessment and compliance management solutions. Founded in 2001, Coalfire has offices in Dallas, Denver, Los Angeles, New York and Seattle and completes thousands of projects annually in retail, financial services, healthcare, government and utilities. Coalfire has developed a new generation of cloud-based IT GRC tools under the NavisTM brand that Coalfire clients use to efficiently manage IT controls keep pace with rapidly changing regulations and best practices. Coalfire’s solutions are adapted to requirements under emerging data privacy legislation, the PCI DSS, GLBA, FFIEC, HIPAA/HITECH, NERC CIP, Sarbanes-Oxley and FISMA. For more information, visit www.coalfire.com.
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Ink from Chase Enhances Rewards Program for Small Business Cardholders


November 28, 2011 09:00 AM Eastern Time 
Ink Bold Customers Can Earn Rewards Faster in Categories Designed for Small Business Owners
WILMINGTON, Del.--()--Today, Ink from Chase, the business card portfolio from Chase Card Services, a division of JPMorgan Chase & Co. (NYSE: JPM), unveiled a new rewards program for the Ink BoldSM card. The rewards program offers new customers rapid accumulation of points customized for the small business owner, featuring five points per dollar spent at office supply stores, telecommunication services and cable services, and two points per dollar spent on fuel and hotels. Ink Bold is Chase’s pay-in-full business charge card with no interest charges, designed for small business owners who want robust purchasing power and spending capacity that adjusts dynamically, giving them the purchase power needed to meet their businesses’ changing needs.
“We know how carefully small business owners manage their expenses. By offering increased point accumulation for office supplies, telecommunication services, fuel and hotels—expenses that are a daily part of life for most small businesses—we are able to make these expenses much more rewarding for our customers.”
“Just as we did with InkSM Classic and the Ink CashSM cards in the second quarter, we are now offering Ink Bold with an enhanced rewards program designed with the small business owner in mind,” said Richard Quigley, president of Ink from Chase. “We know how carefully small business owners manage their expenses. By offering increased point accumulation for office supplies, telecommunication services, fuel and hotels—expenses that are a daily part of life for most small businesses—we are able to make these expenses much more rewarding for our customers.”
With Ink Bold, the new points program will allow customers to earn points even more quickly:
  • Five points per dollar spent on the first $50,000 in annual spend at office supply stores, telecommunication services and cable services. Cable services include bundled services such as combined television, internet, phone and wireless service.
  • Two points per dollar spent on the first $50,000 in annual spend on fuel and lodging.
  • One point per dollar spent on all other card purchases, with no limits.
Ink from Chase customers have the option to redeem restriction-free travel, incredible experiences, gift cards, merchandise and cash through Ultimate RewardsSM, a world-class rewards program that offers virtually limitless opportunities to earn and redeem rewards. The Ink Bold card allows customers to earn an additional point per one dollar on travel booked through Chase’s Ultimate RewardsSM online travel booking tool. In addition, customers get 20% off travel when redeemed for airfare, hotels, car rental and cruises with no blackout dates or travel restrictions, plus they receive airport lounge access.
Originally launched in September 2009, the Ink Bold cards are accepted worldwide and offer numerous additional benefits, including:
  • Airport lounge access
  • No foreign transaction fees
  • Points do not expire
  • Free employee cards
  • Built-in security features
  • Unlimited 24/7 access to a team of business card specialists to handle service inquiries
Ink Bold is part of the Ink from Chase portfolio, which offers robust, flexible payment solutions and resources that meet the unique needs of small business owners. Solutions and resources allow for the creation of customizable reports and the ability to receive itemized monthly statements and quarterly management reports, as well as free access toJot SM. Jot is a free mobile application and online solution which saves small business owners time by enabling them to easily track, categorize and organize business expenses in real-time from their iPhone® and Android™ mobile devices or online. Ink customers can download Jot for iPhone at http://www.apple.com/iphone/apps-for-iphone/ and for Android at https://market.android.com/. Ink also recently unveiled Zip SM, an online invoicing and cash management solution powered by PaySimple and designed for small businesses owners who want to simplify their invoicing and accelerate their receivables.
In addition to offering small business owners powerful cards and services through Ink from Chase, Chase’s commitment to small business owners is demonstrated by its lending of more than $12.6 billion in credit to over 300,000 small businesses in the first three quarters of 2011, a 71% increase over the same time last year. Chase extended its position as the #1 SBA lender in total loans with 5,363 approved SBA loans for $1.1 billion in fiscal 2011, which ended September 30.
About Chase
Chase is the U.S. consumer and commercial banking business of JPMorgan Chase & Co. (NYSE: JPM), a leading global financial services firm with assets of $2.3 trillion and operations in more than 60 countries. Chase serves consumers and small businesses through 5,200 bank branches, 16,200 ATMs, mortgage offices, and online and mobile banking as well as through relationships with auto dealerships and schools and universities. Chase also has issued more than 90 million credit cards. More information about Chase is available at www.chase.com.
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CARTES & Identification 2011 Wrap Up

November 28, 2011 10:30 AM Eastern Time 


Business and Innovation at the Heart of the Trade Show CARTES & IDentification 2011




With almost 20,000 visitors CARTES & IDentification confirmed its international influence and positioned itself more than ever as the major global event for digital security and smart technologies
CARTES & IDentification 2011
PARIS--()--CARTES & IDentification was in fine form, positioning itself more than ever as the sector's key global event. From the Conference to the SESAMES Awards and the high numbers at the stands, the event combined innovations and dynamism. With a rising number of visitors (19,513 visitors in total against 18,768 visitors in 2010), this edition has once again been able to meet the high expectations of the profession. Building on this success the CARTES team already has already announced the dates of the next edition: 6 to 8 November 2012 in Paris Nord Villepinte.
CARTES & IDentification, reflection of a dynamic market
The trade show confirms its international status with 430 exhibitors from 45 countries, and 19,513 visitors, with 69% visitors from outside France, representing 143 countries.
The 21 conferences tracks during the three days welcomed 1,225 participants, including 87% professionals from outside France.
Key industry issues were discussed at length, in particular during the conferences dedicated to mobile payment and financial services (NFC and contactless), the future of payments, security in a “cloud” ecosystem, multi-application, point of sales / point of interaction and e-government, which were a great success.
As every year, the high point of the Congress was the inaugural conference of the "World Card Summit", during which key leaders from the industry analysed major market trends and presented their strategic visions in front of a full house of 500 people. For the first time in Europe, Scott Mulloy the CTO of ISIS (joint-venture with AT&T, T-Mobile, and Verizon Wireless) presented their mobile payment vision during a keynote. Eurosmart also presented a preview of the 2011 figures and forecasts of the global market, announcing an expected 13% growth in 2012 and 7 billion units for secure smart devices.
Mobile payment and NFC applications: key themes for this year
Visitors are aware of the deployment of contactless technology and the arrival of NFC terminals for mobile payment, with many demonstrations on the stands such as the NFC car by Oberthur or the e-bike by NXP. The pavilion dedicated to mobile payment companies hosted 12 solutions providers for mobile payment, transactions management, Trusted Service Management, smartphones, tablets and other smarts mobiles objects.
Many projects in Government Security and in E-health
The identity protection sector is booming and the technologies of identification and authentication presented by the exhibitors have been applied to many documents (biometrics passports, electronic ID, electronic driver’s license, health cards...).
E-health has been in the spotlight this year with the Smart Health exhibition which presented innovations for electronic health record, health cards, or even applications for telemedicine that improve the quality of care services and patients comfort, but it also fights against fraud and inflation in health costs.
The SESAMES Awards: the excellence of the technology rewarded
The winners of the 2011 SESAMES awards were revealed in front of a privileged audience of 300 guests during a superb ceremony organised at the Automobile Club de France.
Here once again is the list of this year winners, which was particularly full of innovations:
  • BEST HARDWARE: DYNAMICS with Chips & Choice
  • BEST SOFTWARE: NXP SEMICONDUCTORS with Open source NFC Host Software stack for Android
  • BEST IT SECURITY APPLICATION: GEMALTO with Just4YourEyes
  • BEST TRANSPORTATION APPLICATION: INSIDE SECURE with VHBR
  • BEST BANKING/RETAIL/LOYALTY APPLICATION: SIMARTIS TELECOM with Bubble
  • BEST SECURE INTERNET/AUTHENTICATION APPLICATION: HID GLOBAL with Next Generation Secure Identity Ecosystem
  • BEST MOBILITY APPLICATION: NXP SEMICONDUCTORS with PN65 Secure NFC module
  • BEST eTRANSACTIONS APPLICATION: VERIFONE with PAYware Mobile Enterprise
  • BEST MANUFACTURING & TESTS APPLICATION: OBERTHUR TECHNOLOGIES with ID One Digital watermark
See you at the 27th CARTES Exhibition & Conference
which will be held from 6 to 8 November 2012
at Paris Nord Villepinte.
Country Guest of honour: India
To access the latest news on CARTES & IDentification
The website: www.cartes.com or the blog: www.blogcartes.com
Photos of the 2011 show can be obtained on request from LEWIS PR
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Near-Field Communication - Patent Landscape Report


NEW YORK, Nov. 21, 2011 /PRNewswire/ -- Reportlinker.com announces that a new market research report is available in its catalogue:

Executive Summary
The NFC report provides an extensive analysis and market appraisal of the commercial opportunities open to players in the rapidly expanding Near-Field Communication market. The report presents the technology, market and patent filling trend in NFC in easily understandable table, chart and dashboard format. The report discusses industry developments and then goes on to evaluate the impact, sizing, patent filling and key players.
Near field communication (NFC) is a technology which corresponds to the radio frequency identification (RFID) communication in a closer range. Complying with the industry definitions NFC can be classified under proximity card communication, which typically deals with a communication range lesser than 10cm. Even though the technology was widespread in a non-standardized way in late nineties and early eighties, the boom which came in the field of NFC was due to role played by a non-profit organization viz. NFC-Forum, established in 2004, which standardizes the communication, electromagnetic as well as physical characteristics of NFC for interoperability and development perspectives.
The NFC Report is designed to provide information on every aspect of near field communication — the business, the technology, the applications, the players, the alternatives and the future of the market. Patent categorization is done based on following categories:
• Standards based
• Application based
• Hardware based
• Probably essential
The standard based patents are categorized according to the different elements of the standards. The standards taken into consideration are ISO/IEC 14443, ECMA-340 AND ECMA-352.
The application based patents are focused on the major application area of NFC such as mobile related applications, NFC payment, Data transfer, etc.
The hardware related patents consists of constructional part of the transmitter/receiver antenna or coil involved in NFC communication.
The probably essential patents were found based on the priority date of patents which are filed before the NFC forum was formed (2004).
System Description
Near field communication or NFC is short-range wireless technology, operating at a distance of 10 cm or less. NFC operates at 13.56 MHz with data rate ranging from 106 kbit/s to 848 kbit/s. Most of the RF energy is concentrated in the allowed 14 kHz bandwidth range, but the full spectral envelope may be as wide as 1.8 MHz when using ASK modulation.
NFC architecture is composed of an initiator and a target, where the initiator actively generates an RF field that can power a passive target. For such reason, NFC targets can have very simple form factors such as tags, stickers, key fobs, or cards that do not require battery, even though NFC peer-to-peer communication is also possible (i.e. both devices are powered).
NFC employs two different coding to transfer data: if an active device transfers data at 106 kbit/s, a modified Miller coding with 100% modulation is used; in all other cases Manchester coding is used with a modulation ratio of 10%.
NFC devices are able to receive and transmit data at the same time. Thus, they need to check the radio frequency field and can detect a collision if the received signal matches the transmitted signal's modulated frequency band.
1. Disclaimer
1.1. About Dolcera
2. Table of Contents
3. Executive Summary
4. Introduction
4.1 NFC System
4.2 Powering a NFC Tag
4.3 Data Transmission
4.4 Operating modes
4.5 Security issues
4.6 Applications
5. Search Strategy
6. Sample Patent Analysis
7. Taxonomy
8. Top Citations- Top Cited Patents
9. Top Citations- Key Patents
10. Key Findings
10.1 Top assignee Vs Category (Probably essential, Standard/Application based)
10.2 Top assignee - Application based
10.3 Top assignee - Standard based
11. IP Activity
5.1.1 Filing trend - Publication year
5.1.2 Filing trend - Priority year
5.1.3 Filing trend Vs Category (Probably essential, Standard/Application based)
5.1.4 Filing trend - Application based
5.1.5 Filing trend - Standard based
12. Conclusion
13. References
14. Appendix A: Control patents
15. Appendix B: Relevant class code definition
15.1. IPC / ECLA class codes
15.2. US Class codes
16. Appendix C: Concept table
17. Appendix D: Search strategy
Companies Mentioned
Sony Corp, Panasonic, Toshiba, Nokia, Sony Ericsson, ST Microelectronics, NXP BV, Broadcom, Hitachi, NEC, ZTE, Fujitsu, Canon, Research In Motion, Nippon Telegraph & Telephone
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