Smart Card Talk October 2013
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a Smart Card Alliance ePublication
Dear Members and Friends of the Alliance, As this issue of Smart Card Talk went to press, the United States federal government was shut down due to a few hard line politicians who have calculated that by not funding the government, their actions will somehow make America a better place for everyone. The dysfunction in our federal government’s legislative institutions has now given the word “government” a bad name. As we prepare for this month’s 2013 Government Conference and inaugural User-Centric ID Live Conference being jointly held on October 15-16, the topic of my executive director letter is about government in the context of smart card adoption and leadership on security and identity credentialing. My thoughts may not inspire much confidence in the institution unless you look beyond the politicians and focus on the part of government I know and have the deepest respect for. I look forward to seeing you next week in Washington, DC.
• Volume 18 : Issue 10
In This Issue: ② Executive Director Letter >> ③ Latin America Letter >> ④ Member Profile >> ⑥ Feature Article >> ⑨ Council Reports >>
On the Web: Alliance in the News >> Members in the News >>
Sincerely, Randy Vanderhoof Executive Director, Smart Card Alliance
Event Calendar
Click Here to Read Letter ... Loyalty
Payment
2013 Government ID Security Conference
Oct. 15-16, 2013 Walter E. Washington Convention Center, Washington, DC
Transit
Tags & Accessories
Feature Article: NFC in the United States
Identity
Access
Member Profile: First Data
NFC technology is an important technology that can deliver innovation and convenience through many applications including payments, access control, healthcare, marketing and more. This month’s article showcases interviews with five experts discussing NFC in the United States.
This month Smart Card Talk spoke with Kelly Urban, the director of Advanced Solutions and Innovation, Mobile at First Data Corporation. In this role, Urban assists in leading the company’s mobile commerce product team and oversees First DataSM SourceConnectSM TSM Solution.
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Smart Card Alliance Member Meeting (new!) Dec. 8-10, 2013 Biltmore Hotel, Coral Gables, FL
All Upcoming Smart Card Alliance Conference Events
executive director’s corner
Functioning Amidst Dysfunction Dear Members and Friends of the Alliance, I hope that members, and our many industry followers from around the globe, see the United States government that I see. The government I know is made up of hardworking people in government jobs at GSA, DoD, DHS, Treasury (including NIST) and other agencies, not the politicians who decide if those individuals will receive a paycheck tomorrow. Instead I think of those who have persevered for over 12 years to move the federal government forward towards tighter building security, secure IT networks, stronger identity verification and authentication, and government-wide interoperability. It is these dedicated individuals, their accomplishments and their plans for future achievements, that the Smart Card Alliance keeps in mind when planning and holding this annual event. In this microcosm of a true government environment, people keep their red and blue political leanings private and focus on the common objective – to architect an open, interoperable federal identity credentialing and access management infrastructure, using commercially available, standards-based, technology wrapped in a series of interpretive specifications (FIPS 201) and numerous special publications. Despite changing government administrations and serious economic recessions, the government leaders have stayed the course. Many individuals who were in leadership roles back in 2000, like Michael Butler at DoD, David Temoshok, at GSA, and Deborah Gallagher, who started at DOD and moved onto GSA, have committed their careers to seeing this vision through. Some folks retired from their government positions and continue on today at commercial organizations, like Lolie Kull (TSA and now HP), and Judith Spencer (GSA and now CertiPath). And all of us fondly remember William MacGregor, who led NIST’s FIPS 201 standards process and sadly passed away too soon in 2012. Almost everyone I’ve mentioned will have a role as a speaker or moderator at the 2013 edition of the Government Conference at the Washington DC Convention Center. There seems to always be new challenges to be confronted in the government security market that keep these important people and many others coming back to speak. Mike Butler will speak about how DoD is leading an effort to enable mobile devices to store and deliver PIV credentials to keep up with the modern demands of our increasingly mobilecentric lifestyles. Jeremy Grant, who heads the NIST Program Office on the National Strategy for Trusted Identities in Cyberspace (NSTIC), will provide an update on the NSTIC activities and pilot awards. So important is this initiative to establish commercially available, scalable, and privacy-protecting credentials for the cloud that the Smart Card Alliance and RE: ID magazine have partnered to create the User-Centric ID Live Conference. This new event is 2
Smart Card Talk
designed to expand the discussion beyond smart cards and tokens and to look at other technologies being used in federated identity solutions to replace user names and passwords for consumer-facing Internet applications. Doug Glair with the United States Postal Service will present the USPS’s recently announced pilot program, Federal Cloud Credentialing Exchange (FCCX), which applies many of the principals behind NSTIC. And George Fletcher from AOL will be sharing their company’s experience in accepting federated identity credentials for a new games development platform that supported micropayments. Let’s all cross our fingers that the government shutdown won’t continue much longer and disrupt this powerful lineup of government keynote speakers. So for all the accolades that have been put forth so deservedly for our government security leaders, it would be unfair to overlook the monumental investment in resources and time of the hundreds of security technology companies and the thousands of smart card industry professionals who have met the challenge of designing, building, and implementing the PIV, PIV-I, and CIV credentials and installing systems, readers, software, and access systems for physical and logical security that have been in implemented in federal facilities across the country. Many of these security experts will be participating as speakers and moderators of track sessions about smart card and cloud security for the joint conference events being held in Washington, DC. In addition, these companies will be exhibiting some of the next generation government security products and services and cloud credentialing technologies at the expanded exhibit hall. I will conclude this letter with three wishes. Wish one is that cooler heads prevail and some sanity returns to the “other government” in the news and that we quickly return to business as [un] usual. My second wish is that the dedicated government security leaders continue to be supported by their agencies and the administration to keep pressing for a better credentialing and access infrastructure for the government and that more government-tocitizen programs (e.g., healthcare, immigration) look to existing smart card technology to solve their security and fraud problems. And my third wish (I can only get three – right?) is that everyone who can possibly come to Washington, DC, on October 15-16, and October 14th for the pre-conference programs, will experience our showcase of the best that our government and security industry has to offer. Sincerely,
Randy Vanderhoof Executive Director, Smart Card Alliance rvanderhoof@smartcardalliance.org
Dear Members and Friends of the Smart Card Alliance Latino America – SCALA,
This month, I would like to address one of the first questions I receive from potential members unfamiliar with SCALA membership or members: What are the clear benefits for my company to join the Latin American chapter of the Smart Card Alliance? I personally like this question because it gives me a succinct guideline of what a prospective member is looking for concerning membership benefits. Normally in these cases we have found that organizations who ask this particular question have already focused on one of SCALA’s many offerings that they feel their organization would like to benefit from. Organizations are drawn to the ability to interact with the entire industry in an impartial, non-partisan manner. Clients which participate in one of our forums normally drive their vendors to join SCALA. The Alliance is the one of the few places for vendor-free and neutral, open discussions. SCALA also conducts members-only activities that provide organizations with access to exclusive privileged information on market trends, industry information, individual/regional markets, and projects. Members gain access to end users, potential clients and industry leaders to develop relationships. Furthermore, SCALA helps organizations to expand their visibility and market presence. Our members are able to participate in several conferences and events focused in individual vertical markets for free, based on their membership levels. The conferences and events provide an opportunity for our members to showcase their leadership and present their best implementations and solutions. Additionally, SCALA helps members to influence the market and its development. The organization has several industry work groups focused on the diverse interest of our members and vertical markets influenced by smart card technology. Our work groups develop best practice documents, white papers, industry reports, position papers and other resources in Spanish, English, and Portuguese. We also help our members to influence the by providing access to members-only market studies and impartial reports. Another tool we provide our members organizations is the ability to become industry experts through our training and certification programs. We support our members through their specialization process through educational materials and programs such as LEAP, the Leadership, Education, and Advancement Program and the industry-recognized certification – Certified Smart Card Industry Professional (CSCIP). These programs help our members to be recognized as industry experts and provide them with the
knowledge base to understand market trends, opportunities, and the smart card business. Our most important member benefit is the development of our sense of community of belonging to the SCALA association, the single industry voice for smart card technology in the U.S., Latin America, and the Caribbean. It gives member organizations an opportunity of being part of an organization that provides clear leadership of the industry and expands the knowledge and awareness of smart card technology. In order for organizations to become part of our industry community, we must ensure the quality of our membership and their ability to work in a non-partisan, impartial manner with their colleagues and competitors, which benefits the entire industry. SCALA has in place a rigorous process for membership approval that meets the highest industry standards, credibility and leadership. The process to join the SCALA chapter organization is a bit different from the U.S. process. Our process follows: Step 1: The potential member organization fills out and delivers a membership application form. Step 2: An interview process is conducted by a SCALA representative. Step 3: The membership form and a recommendation are sent to the Executive Committee for review and approval. Step 4: The member candidates are informed of their application status and the decision taken by the Executive Committee. Step 5: A membership welcome package is delivered to the new member organization. There are many other member benefits that we could elaborate on – too many for this monthly newsletter. Because of that, we have recently developed a 24 page handbook to provide a comprehensive resource for our member organizations that includes the entire list of SCALA membership benefits and that discusses how members can take full advantage of their SCALA membership. If you would like further information on our membership benefits or on how to become a SCALA member visit: www.sca-la.org or contact scala@smartcardalliance.org. I wish all of you a wonderful and productive month. Sincerely,
Edgar Betts Associate Director, Smart Card Alliance Latin America (SCALA) ebetts@smartcardalliance.org www.sca-la.org Smart Card Talk
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latin america corner
Clear Guidelines
member profile
1. Please describe your company’s business profile and its payment offerings First Data touches the everyday lives of people all over the world. First Data is a payment transaction enabler that connects the consumer experience with the merchant.
This month Smart Card Talk spoke with
Kelly Urban, the director of Advanced Solutions and Innovation, Mobile at First Data Corporation. In this role, Urban assists in leading the company’s mobile commerce product team and oversees First DataSM SourceConnectSM TSM Solution. Urban first joined First Data in 1984. Over the years, he has held various leadership roles in data center operations and data administration including technical client liaison, team manager, product development manager and director of product management. From 2010 to 2012, Urban championed more than 20 financial service platform enhancement projects in support of mobile payment device issuance and mobile account lifecycle management. More recently, Urban directed the product team responsible for launching First Data’s U.S. EMV card personalization capabilities for Visa and MasterCard plastics. Urban studied computer science at the University of Nebraska at Omaha and has recently returned to school to pursue a business management degree specializing in technology. Urban is also an active member in Nebraska’s Tom Osborne TeamMates mentoring program. He lives in Omaha, Nebraska, with his wife and their four boys.
First Data makes payment transactions secure, fast and easy for merchants, financial institutions and their customers. First Data leverages its vast product portfolio and expertise to drive customer revenue and profitability. Whether the choice of payment is by debit or credit card, gift card, check or mobile phone, online or at the checkout counter, First Data takes every opportunity to go beyond the transaction.
2. What role does smart card technology play in your business? Smart card technology spans the entire breadth of First Data. We offer payment network- compliant POS devices supporting both contactless and EMV cards. First Data personalizes and authorizes both contactless and contact plastic cards for financial institutions. First Data also has one of the few industry level trusted service managers in the U.S. which supports the only nationally launched secure element based NFC mobile wallet.
3. What trends do you see developing in your market? My particular focus is mobile payments in the U.S. The number of products and services based on smart card/chip technology in the market in the U.S. is growing at an amazing pace. We have talked about needing to reach critical mass with both devices and readers. It seems clear that chip presenters and chip acceptors are finally getting to the needed numbers. On the mobile payments front, I would love to say the industry is witnessing a convergence of the various paradigms and strategies, but that just isn’t happening to a serious degree yet. From a consumer’s perspective, there is a lot of confusion. Consumers are looking for a new way to transact with merchants that is as easy to use and as universally accepted as a plastic card. The number of NFC-enabled mobile devices continues to grow, which is a good indicator.
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Chip technology is evolving faster than ever. Not only is the volume of available chips growing, but the capabilities of those chips are getting more robust.
4. What things must you overcome to leverage those trends? Although not always an accurate observation, the technology appears complicated and expensive to implement. That’s a serious hindrance when discussing possibilities with clients whose exposure to chip-related payments is fairly thin. One of the immediate challenges is to shore up the understanding that there are solutions available which won’t break the bank to implement. Another challenge is that the lack of industry cohesion makes the business case for mobile payments murky. MNO control of critical components in the mobile payments ecosystem means a big chunk of cost is going to the relatively new guy on the block. The traditional value recipients of the payments chain are left scrambling for what is left. Not to suggest they do not deserve to share the value, but it seems the overall dissemination of the pie has not settled into its final levels yet. A challenge directly related to the technology is speed. Payment verticals like transit are struggling to find mobile solutions that are fast enough to keep the turnstiles humming at an acceptable rate.
5. What do you think are the key factors driving smart card technology in the government or commercial markets in the U.S.? In the commercial space, the EMV liability shift by the payment networks was critical in getting the ball rolling on companies stepping up to the plate. One of the places there has been good alignment was where all four major card brands ended up with the same date milestones and with similar wording for the liability shift. The push to have merchants replace POS devices with EMV-capable devices will surely enable more merchants with contactless capabilities as well. Unrestricted to the payments space, the proliferation of new form factors and uses for chip-enabled devices is definitely a key factor -- from wrist bands at an amusement park to the remote provisioning of a hotel room key onto a mobile device. There are even chip-enabled golf ball markers. That’s fantastic. This market is still relatedly nascent. Each solution and usage that comes to market is sure to trigger even more growth and more new ideas.
6. What type of measurable impact has the Smart Card Alliance and/or its Councils made in your company’s business? First Data is very pleased to be a member of the Smart Card Alliance. We see our involvement as beneficial in two major ways: 1) We get to give. Participating in Alliance events provides First Data with a place to share our vision and strategies for smart card/chip usage with other industry leaders. 2) We get to receive. Alliance membership exposes First Data to industries that are outside our normal markets. To pull the trigger on those benefits, First Data is an active member of the Mobile and NFC Council. We are contributing to Smart Card Alliance sponsored white papers and participating in panel discussions.
7. How do you see EMV migration progressing in the U.S.? What do you see as the key milestones and/or challenges? The EMV Migration has clearly taken on a life of its own. A solution to the debit routing discussion may finally be getting the traction it needs. There has been good progress. However, we would be much further down the road had the routing discussion not drawn so much bandwidth from the tasks of implementing traditional EMV. Technical capabilities to be compliant with the routing choice requirements are available. It is now a business discussion on how to implement it. There is discussion on the street about how EMV is already a past tense, but that thought might be premature. There are new technologies that may solve some of EMV’s shortcomings, but it is unlikely that those new technologies will be commercially viable before EMV has taken hold. The cross-industry communication within the EMV Migration Forum is great to see. It has been a great forum for expressing legitimate business needs that don’t naturally align with all the participants. We have a way to go yet, but the direction is positive.
Member Point of Contact:
Kelly Urban Director, ASI Chip Technologies O (402) 222-3807 M (402) 213-0008 (voice and SMS) firstdata.com
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feature article
Payment
Loyalty
Transit
Tags & Accessories Identity
Access
NFC in the United States With annual shipments of NFCenabled devices poised to hit 1 billion by 20171, the Smart Card Alliance interviewed five experts to provide education on the promising technology. This month’s Smart Card Talk extracts key perspectives from the interviews, with videos of the full interviews available on the Smart Card Alliance web site. 1
Berg Insight, June 2013
Koichi Tagawa of Sony and the Chairman of the NFC Forum on the growth in NFC applications. Consumer electronics applications, where getting connectivity by a touch, are happening already. “A Bluetooth or WiFi connection that used to require manual setup now can be simplified by a touch of NFC to get connected to each other. This area is almost automatically supported in the native stage when you open the box of your device. It’s [the] kind of thing that’s happening already.” Healthcare is another segment where Tagawa sees emerging applications. “Where you have remote devices that measure your healthcare … like your blood pressure or the steps you take when you walk… those have information on the small devices can be fed to the website via smart phones or tablets which have NFC. The devices have NFC and the smart phones have NFC; by touching them you transfer the data of your health condition to the NFC device and connect it through a healthcare service. This seems to have impact on improving your health conditions and the doctors have a better way to monitor peoples’ health conditions also.” “Of course in the cities we are starting to see deployments of smart posters so you can tap and like events. It’s happening in many places and I’m very encouraged that it will continue to grow.”
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“Then with Coca Cola, we’ve engaged with them in a program to accelerate their loyalty program, the My Coke Rewards program. Consumers are able to put their My Coke Rewards card into the Isis wallet and when they tap on certain Coke machines that are designed to read the loyalty card they can accumulate points and get a free vent. That’s been a very successful campaign as well. In fact Coca cola vending machines are one of the places where people use the Isis wallet the most. Coca Cola also has very high enrollment rates with the My Coke Rewards through the Isis wallet; about 90% of the people that have the My Coke Rewards card have it in the Isis wallet.”
Tony Sabetti, the director of Merchant Integration and Commerce Development at Isis, on the merchant and marketer benefits of mobile wallets. “We think NFC wallets a transformation from a couple of perspectives and it’s easiest to understand, I think, from both the consumer perspective and from the merchant perspective. From the consumer’s perspective the mobile wallet is giving you a place to store all of your payment credentials and more importantly your loyalty credentials in your phone and carry them around with you at all times. It’s pretty hard today to make sure that you’ve got all of your loyalty cards with you because they grow quickly and the number gets quite large. If you digitized them in an NFC wallet it becomes very easy and very convenient to carry them with you.” “By using Isis and smart tap technology you’re guaranteed that that loyalty card is going to be presented every time you tap to pay at a merchant. That makes it very convenient, very transformational for consumers that their cards, both payment and loyalty, are always with them and are always available to be presented. On the merchant side it’s transformational because we’re able to get offers and communications --very targeted information, one-to-one information -- sent out to consumers that have shown interest in those particular merchants. We have an opt- in program whereby the consumers have to say they want to receive information from a particular merchant.” “In our launch markets in Salt Lake City and Austin we’ve been very pleased with the progress the Isis wallet has had. UTA, the Utah Transit Authority, has had great success in their ridership program that we run with them. We’ve also seen great success with Jamba Juice and also with Coca Cola. All of those merchants have participated with Isis, with promotional campaigns and we’ve seen great success with their promotional campaigns.” “For example, Jamba Juice began by running a buy one, get one free promotion that was delivered to the consumer’s wallet, in the Isis wallet. Then they switched to a $2.00 dollar smoothie campaign after that. They saw tremendous success with both of those promotional campaigns. Greater redemption rates than they typically get through other outlets where they run promotions.”
Peter Cattaneo, vice president at Intercede, on the use of identity and access control applications on a mobile NFC phone. “There are several interesting options for implementing both physical and logical access on NFC phones today. The first is for the purpose of emulating a smart card. You can take your employee badge, or your access card, and leave it at home and simply carry your phone with you. The NFC modem goes into card emulation mode. The credentials that you provision onto your badge, or your access card, get provisioned into the phone in one of the secure elements and then you can use it to unlock a door, to log into your computer, sign an encrypted mail -- all with the benefits of the smart card, but without having to carry the second device.” “We think that what’s really going to drive the adoption of NFC -- both for the consumers and also for the point of sale merchants or the physical access teams responsible for security or the IT department responsible for logical access -- is the fact that NFC is the interface on the phone that allows the user to demonstrate their intent to perform a transaction. When you use NFC to open a door, you take your phone and you present it to the reader and, when it gets close to the reader, then the user and the door know that the intent was: ‘I would like this to unlock.’ When the NFC phone is held up against the contactless card reader in the palm rest of their laptop to log in, it’s clear that the intent was to log in. That’s a unique feature. It’s the one interface because of the proximity. When you hold your phone up to another phone with NFC interface to transfer data or to perform a secure authentication, you intended to interact with that other user and that’s unique.”
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“One of the benefits of using a mobile phone with NFC for physical and logical access is you can start to take advantage of the additional features that exist in a mobile phone. You can have the app in the phone doing the logical access connected to the GPS to register the physical coordinates. The access control decision can be made not only on the basis of the credentials, but also on the basis of the location of the user at the time. You can perform an authentication and use the camera on the phone to take a picture of the person holding the phone at the time of the authentication occurs. You’re really looking at a very compelling, rich device that has an additional set of features above and beyond any traditional physical or logical access system and they’re not a complex, expensive system that requires buying a lot of cameras or GPS units and connecting them up in some complicated network. It’s just right there in the phone that people are already carrying.”
Todd Ablowitz, the founder of Double Diamond Group, on NFC and the cloud. “Cloud working with NFC is an interesting question because so many people think of NFC as the business model that has been put out with NFC and really NFC is just a technology to get two devices communicating or one device communicating with the tech. The way I see NFC working with the cloud is using that simple communication, just like today a barcode can access the cloud or GPS can access the cloud. NFC is just a great way for two devices to communicate. I think that’s where they’ll come together -- where NFC on a phone enables a payment that starts from the cloud.”
Neil McEvoy, CEO of Consult Hyperion, on the potential for multiple NFC applications for payments and identity being supported in today’s NFC ecosystem. “There’s a lot of talk about different sets of applications on NFC enabled devices. The two applications that we hear most frequently are payments, because they were kind of there first, but also identity, which is been eminently supportable by mobile phone technology in general. The interesting thing there is I don’t see identity and payments as actually being disparate.” “The question is can identity and payments exist on the same device. To me, that’s like saying can wheels and trucks exist on the same highway, because actually identity is crucial to payments pretty much any way you decide to do that. But identity can be used for so much more. So really the question then becomes how those things go to work and, given that payments got there first really in NFC, is there any way of leveraging the identity that’s implicit in an NFC credit and debit card transaction to be able to assert my identity as somebody holding a particular mobile phone to somebody that isn’t a payments organization. Maybe that’s a way that card issuers could make a little extra money. Or could it be that some more general purpose identity application will be provided which can support novel means of doing payments that maybe don’t involve the traditional payment brands such as Visa and MasterCard?”
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“Barcodes are going to be one of the biggest enablers for NFC in payment that we’ve seen.” QR codes are “being used to create the services that are needed to do cloud-based payments. Cloudbased payments, or any kind of payments, don’t happen unless you have a service. Consumers need to know how to access the service. The service has to be available at retailers.” “As barcodes pave the way for these services, whether it’s the Starbucks card on the phone, whether it’s the Square Wallet with GPS, whether it’s any of the Dunkin Donuts wallets with a barcode -any of those QR codes, or barcodes, that are driving these payment services forward will get the adoption. Then what happens is you have millions and millions and soon billions of phones with NFC on them. The retailers are going to say, “Hey I can make this a little better if I enable NFC because there are so many phones that have it.” If I just turn on NFC and it works almost exactly the way the barcodes work today this is going to enable consumers to have a faster, more reliable, perfect, all or near perfect way to execute that payment or that royalty transaction.”
Access Control Council • The Access Control Council is developing a briefing to discuss a practical approach for the deployment of physical access control systems and authentication methods that are appropriate for multiple locations within a federal facility.
Health and Human Services Council • The new Health and Human Services Council charter was announced on September 16, during National Health IT Week. In the news release, the Smart Card Alliance also announced its endorsement of the Medicare Common Access Card Act of 2013 (H.R. 3024) sponsored by Rep. Jim Gerlach (R-PA), Rep. Earl Blumenauer (D-OR) and Rep. John Dingell (D-MI). • The Council is working with HIMSS to develop the agenda for the pre-conference symposium accepted for the HIMSS 2014 Conference. • The Council is collaborating with the Workgroup for Electronic Data Interchange (WEDI) Health ID Card Subworkgroup to provide input on smart cards and biometrics for a WEDI research paper.
Identity Council • The Identity Council is currently defining next projects.
Mobile and NFC Council • The Mobile & NFC Council is working on a white paper that evaluates different approaches for securing credentials on mobile devices.
Alliance Members: Participation in all current councils is open to any Smart Card Alliance member who wishes to contribute to the council projects. If you are interested in participating in any of the active councils, please contact Cathy Medich.
Payments Council • The Payments Council is working on a new white paper on the changing U.S. payments landscape for purchases at physical stores. The white paper will review new innovations in payment trends and devices and offer perspectives on how these trends are changing the way consumers pay and merchants accept card-present transactions. The white paper is targeted to be complete in mid-November.
Transportation Council • The Transportation Council is working on three new projects: an analysis of EMV impact on transit; a cross-industry discussion of key challenges in accepting open payments in transit; a guide for open payments acceptance for small transit agencies.
Other Council Information • The Access Control Council, Health and Human Services Council, and Identity Council will be holding in-person meetings at the Smart Card Alliance Government Conference, October 15-16, 2013, at the Walter E. Washington Convention Center in Washington, DC. • Members from the Access Control Council, Health and Human Services Council, and Identity Council will be presenting in the pre-conference workshop, Federated Identity, Strong Authentication, NSTIC and the Identity Ecosystem, on October 14, at the Smart Card Alliance Government Conference. • All Councils have been planning the agenda for plenary and breakout sessions for the Smart Card Alliance Member Meeting, December 8-10, at the Biltmore Hotel in Coral Gables, FL. Councils will be hosting break-out sessions on industry topics that are a priority for the councils. The Member Meeting will promote collaboration among councils and will have multiple break-out sessions that will be jointly planned. • Members-only council web pages are available at http:// www.smartcardalliance.org/councils. These are passwordprotected pages that contain council working and background documents and contact lists. Each Council area has a separate password since Councils may have different membership policies. If you are a Smart Card Alliance member and would like access to a council site, please contact Cathy Medich. If you are interested in forming or participating in an Alliance council, contact Cathy Medich.
Smart Card Talk
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council reports
Updates from the Alliance Industry Councils
from the alliance office
Welcome New Member
• Registro Publico de Panama, SCALA Government
New CSCIP Recipient
• Saravana Cavala Damodaram, Xerox
For more news, visit our website at www.smartcardalliance.org. Members can also access white papers, educational resources and other content.
About Smart Card Talk Smart Card Talk is the monthly e-newsletter published by the Smart Card Alliance to report on industry news, information and events and to provide highlights of Alliance activities and membership. 191 Clarksville Road Princeton Junction, New Jersey 08550 1.800.556.6828 Fax: 1.609.799.7032 info@smartcardalliance.org www.smartcardalliance.org 10
Smart Card Talk
About the Smart Card Alliance The Smart Card Alliance is a not-for-profit, multi-industry association working to stimulate the understanding, adoption, use and widespread application of smart card technology.