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Friday, November 02, 2012

Mobile Point of Sales - Loyaltie program and mobile payment launch in Europe by Ingenico

Next Generation Loyalty is borned ! Ingenico launch its solution of mobile loyaltie program for retailers and quick-service restaurants. This solution will offer interaction with digital consumers via smartphone, website or in-store.
Ingenico's Next Generation platform and smartphone application combines loyalty, gifting, promotion management and secure payments across multichannel retail environments including web, POS, mobile Point of sales and self-service kiosks, the announcement said. Customers can redeem vouchers against services and products purchases via a QR code. This solution collects loyalty points, they are based on collected for product savings and discounts.
The geo-location services in Ingenico's smartphone application allow retailers to provide targeted offers to consumers and allow consumers to locate their nearest store and to find offers local and relevant to their needs.
"Mobile technology is revolutionizing the retail experience for both businesses and consumers. Many leading retail brands are already using the very latest mobile point of sale technology to eliminate long lines, reduce lost sales from long waits, and target their customers with relevant offers," said Pierre-Antoine Vacheron, executive vice president and managing director of Europe-Sepa.
He added, "This latest application from Ingenico will set a new benchmark for retailers wishing to take advantage of the very latest in mobile point of sale technology, whilst ensuring full compliance with all payment regulations and standards. With minimal set-up effort required, it's a genuine 'plug in and play solution' that can deliver real bottom line results for our customers."

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posted by Hugues Courcier at 5:17 PM 0 comments

Tuesday, October 30, 2012

Mobile Point Of Sales in Europe and UK

O2 has launched with Visa Europe and a PSP a M-POS service, which will offer retailers to accept credit and debit card payments through smartphone. The system use a physical chip-&-PIN pad solution. This accessory connects to a smartphone or tablet, and a free app. Once the payment is taken, customers can be sent a receipt via email and SMS. “At O2 we understand the importance of the mobile device in digital payments. Our new mPOS service has the ability to transform the revenues of smaller businesses and sole traders by offering their customers the ability to pay with Visa or MasterCard credit or debit cards as an alternative to cash," said O2 Money MD James le Brocq. “mPOS is the latest addition to our portfolio of financial products and services which includes mobile insurance, tablet insurance and more recently, O2 Wallet, an innovative new service designed to digitise your physical wallet onto your mobile.” The app is launching on Android and BlackBerry now, with iOS promised to follow shortly. For more information : swiffpay and contact the european swiff team : hugues [dot] courcier [at] sccpgroup [dot] com

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posted by Hugues Courcier at 4:20 PM 0 comments

m-POS and m-Wallet : Swiff and 4G Secure present their mobile payment solution at Card Exhibition

Swiff is the sponsor of the biggest event of the European payment industry : Card Exhibition.

The news European Swiff team - 4G SECURE team - will present all the product developed and deployed.

On the acquiring side, Swiff offers a m-POS solution already EMV Level 2 certified and already Visa and Master Card Compliant.
=> Please come and visit us in order to have a look on real transaction made with CHIP and PIN m-POS.

On the Issuing side, 4GSecure offer a very high secure mobile wallet offering prepaid account, gift card, loyalty program, voucher etc...
This solution is based on a patent secured system.
=> Please come and visit us in order to see mobile application already deployed to more than 2,5 millions end users.

We also have a conference room the 7 of november at 16h30. we will offer opportunities to chat with 2 of our customers in order to get their feedback of the mobile payment market and what is the advantage of using Swiff and 4GSecure solutions.

lien vers des partenaires :

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posted by Hugues Courcier at 3:54 PM 0 comments

Saturday, October 20, 2012

Cardholder Verification Methods - EMV Level 2

Cardholder Verification Methods
Depending on the MasterCard payment product or the country of the transaction, there are two types of cardholder verification methods (CVM): personal identification number (PIN) and signature.
In Europe, countries which are EMV L2 and Chip and sign compliance are :
- Poland, - Romania, - Czech Republic - Slovakia, - Slovenia, - Italia, - Turkei - etc ...
In certain transaction scenarios, a CVM may not be required. For example, in the processing of quick payment services (QPS) transactions and PayPass transactions below the MasterCard PayPass chargeback protection amount or Maestro PayPass ceiling limit, no signature or PIN is required.
PIN CVM
The security of the cardholder’s PIN is critical for preventing fraud, and therefore PIN entry must only be conducted on PIN-entry terminals that are certified as compliant with the Payment Card Industry PIN Transaction Security (PCI PTS) requirements. In accordance with MasterCard standards, the PCI requirements need to be met for PIN entry.
EMV offers various options for PIN verification, including online, offline plaintext and enciphered PIN. For contactless transactions, offline PIN is not supported. With the growth of mobile as a cardholder device, however, an additional option is now available: on-device cardholder verification. For additional information consult the PayPass–M/Chip Reader Card Application Interface Specification v3.0, also available as EMV Kernel C-2. These documents can be found at www.paypass.com and www.emvco.com, respectively.
To be clear, cardholder PINs must never be entered into the merchant’s mobile device unless the mobile device can be certified to the PCI PTS.
UNIQUE CHALLENGE
Currently, the keypads or touch screens on mobile devices are not capable of complying with the PCI PTS requirements. In the future, mobile device manufacturers intend to use technologies that can better secure the keypad, but these technologies are still in the early stages of development.
It is not yet known if mobile device keypads will ever be appropriate for PIN capture.
BEST PRACTICES FOR MPOS SOLUTION PROVIDERS
When considering the development of a PIN-capable MPOS solution, ensure that compliance with the PCI PTS requirements can be achieved.
BEST PRACTICES FOR MERCHANTS
Merchants must not capture cardholder PINs on their mobile devices or any other device that is not PCI PTS-compliant. Merchants interested in PIN acceptance should consult their acquirers or MPOS solution providers and consider MPOS sleeves and other external devices that are certified to the PCI PTS standard. Mobile Point-of-Sale Solutions Liens partenaires : plug in Magento et Prestashop pour caisse enregistreuse et commerce de proximité plug in Magento et Prestashop pour caisse enregistreuse et commerce de proximité plug in Magento et Prestashop pour caisse enregistreuse et commerce de proximité plug in Magento et Prestashop pour caisse enregistreuse et commerce de proximité plug in Magento et Prestashop pour caisse enregistreuse et commerce de proximité plug in Magento et Prestashop pour caisse enregistreuse et commerce de proximité plug in Magento et Prestashop pour caisse enregistreuse et commerce de proximité

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posted by Hugues Courcier at 9:37 AM 0 comments

EMV Chip Transactions - m-POS in Europe

EMV Chip Transactions
The use of magnetic stripe is still prevalent globally, and as a result, data elements such as the PAN and PIN must continue to be treated as sensitive data especially since PAN can be used to facilitate card-not-present fraud. In the future, as EMV becomes ubiquitous globally, the sensitivity of these data elements may decrease. However, EMV migrations are still ongoing in various markets around the world, and the use of magnetic stripe will continue for years to come. The core requirements for EMV terminals and acquirer host processing of chip transactions are contained in the MasterCard M/Chip Requirements, downloadable by MasterCard customers from MasterCard Online www.mastercardonline.com.
UNIQUE CHALLENGE
Due to open architecture and remote nature of mobile devices, there are important considerations to be made concerning transaction authorization, card authentication, transaction performance, and the security of the payment system public keys. BEST PRACTICES FOR MPOS SOLUTION PROVIDERS
The EMV level 2 kernel can be located on the mobile device, on the remote server, or split between both. Depending on the architecture, the location or locations chosen may negatively affect performance. MPOS solution providers should ensure that the architecture of their EMV solutions maintain transaction performance, and do not introduce significant latency, and therefore create a poor cardholder and merchant experience. MPOS solutions should be configured for online-only authorization. This affords the issuer better fraud management protection in this new acceptance environment. In instances wherethere is no available network connection, transactions should not be authorized offline. As all transactions will be authorized online, the issuer will perform online card authentication method (CAM). MPOS solutions that support PayPass M/Chip must support the offline card authentication method (CAM) as per PayPass rules and requirements. Offline CAM may be performed at the remote server, the mobile device, or both however the transaction performance must be maintained. If the mobile device is not capable of maintaining the integrity of the payment system public keys, then offline CAM cannot be supported on the mobile device. The MPOS solution provider must ensure that bogus keys cannot be inserted with malicious intent, and therefore MPOS solution providers should consider designs where the server verifies that the keys are correctly stored on the MPOS card reader accessory or the mobile device on a periodic basis.
BEST PRACTICES FOR MERCHANTS
When accepting EMV chip transactions, merchants are advised to only use MPOS solutions that have been approved by EMVCo (EMV Type Approval) and the MasterCard Terminal Integration Process (M-TIP). Mobile Point-of-Sale Solutions Liens partenaires : EMV Level 2 certification for m-POS EMV Level 2 hip and sign swiffpay certification Visa MasterCard mobile payment and m-POS Czech republic europe EMV Level 2 certification for m-POS EMV Level 2 certification for m-POS mobile payment and m-POS in Romania mobile payment and m-pos in Poland mobile payment and m-pos in Solvakia mobile payment and m-pos in Russia mobile payment and m-pos in Europe mobile payment and m-pos in Asia Security mobile payment and m-pos SwiffPay, mobile payment SwiffPay, mobile payment

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posted by Hugues Courcier at 9:18 AM 0 comments

SwiffPay Certification : EMV L2 / Study on m-POS market

DID YOU KNOW?
1.2 million MPOS solutions were shipped to MasterCard merchants in 2010 and 2011–and 75% of those merchants had not previously accepted payment card transactions.1
Mobile devices are becoming ubiquitous around the world. According to the International Telecommunications Union (ITU, 2011), the global mobile phone market grew by 45 percent year over year from 2006 to 2011, with 5.9 billion subscriptions globally. Smart phones are widely expected to have a significant impact on the electronic payment industry because they fill an immediate and strong need to move everyday transactions from cumbersome cash to cards and other forms of electronic payments.
SMALL BUSINESSES AND RETAILERS ARE TURNING TO MOBILE TO INCREASE SALES AND BROADEN THEIR CUSTOMER BASE
Small businesses and retailers that have never accepted card payments and previously operated on a cash- and invoice-only basis are turning to mobile point-of-sale (MPOS) solutions to expand their customer base and sales. Existing retailers are also adopting MPOS solutions to enhance the retail and payment experience. MasterCard has introduced the MasterCard Mobile POS Program to promote simple and secure transactions when consumers use their debit, credit and prepaid cards to pay merchants that use these devices.
THE MASTERCARD MOBILE POS PROGRAM
The MasterCard Mobile POS Program offers guidance and best practices to mobile point-of-sale solution providers and merchants to help small businesses and retailers use their mobile devices as secure POS payment terminals.
The program provides clarity as to how MPOS solutions should be developed and deployed by establishing MasterCard Mobile POS Best Practices.
: the m-pos product of sccpgroup name swiff is listed on these certification : http://www.mastercard.com/corporate/mpos.html http://www.addictgroup.fr/portfolio/caisse-tablette/ http://www.addictgroup.fr/portfolio/mpos/ For more contact details on Swiff and projects deployed in Europe : hugues [DOT] courcier [at] sccpgroup |dot] com Liens partenaires : EMV Level 2 certification for m-POS EMV Level 2 hip and sign swiffpay certification Visa MasterCard mobile payment and m-POS Czech republic europe EMV Level 2 certification for m-POS EMV Level 2 certification for m-POS mobile payment and m-POS in Romania mobile payment and m-pos in Poland mobile payment and m-pos in Solvakia mobile payment and m-pos in Russia mobile payment and m-pos in Europe mobile payment and m-pos in Asia Security mobile payment and m-pos SwiffPay, mobile payment SwiffPay, mobile payment http://www.addictgroup.fr/loi-sur-les-caisses-enregistreuse-de-commerce-de-proximite/ http://www.addictgroup.fr/portfolio/plug-in-de-caisse-enregistreuse_prestashop-et-magento/ http://www.addictgroup.fr/loi-sur-les-caisses-enregistreuse-de-commerce-de-proximite/ http://www.addictgroup.fr/portfolio/plug-in-de-caisse-enregistreuse_prestashop-et-magento/ http://huguescourcier.blogspot.fr/2013/03/le-mpos-une-evolution-ineluctable-en.html http://huguescourcier.blogspot.fr/2013/03/interview-mobile-wallet-in-europe.html http://huguescourcier.blogspot.fr/2012/11/mobile-point-of-sales-loyaltie-program.html

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posted by Hugues Courcier at 9:15 AM 0 comments