2012 e-Yearbook A Smart Card Alliance Publication • Volume 2 Securing mobile life. Creating Confidence. Giesecke & Devrient has been developing security solutions for 160 years. As the world has advanced, we’ve kept pace. Today, we are a world leading supplier of pioneering technologies that help people by enhancing the security of payments, communication, and authentication. Our solutions, products, and services range from innovative hardware and software to end-to-end solutions for EMV, NFC and TSM, SIM and Device Management, LTE, Mobile Authentication, Subscription Management and M2M. Get to know us at www.gi-de.com. yearbook contents alliance information 8 access control council 32 The Smart Card Alliance E-Yearbook is produced by the Smart Card Alliance, a not- for-profit, multi-industry association working healthcare council 36 to stimulate the understanding, adoption, use and widespread application of smart card identity council 42 technology. mobile and NFC council 46 Editor and Publisher payments council 50 Randy Vanderhoof 32 access [email protected] transportation council 54 Managing Editor Debra Marshall [email protected] EMV migration forum 58 Executive Editor latin american chapter 60 Cathy Medich [email protected] Contributors member directory 66 Edgar Betts, Brent Bowen, Willy Dommen, Solmoraine Guzmán C., Gerald Kane, Harold Kocken, Nicole Lauzon, Michael Magrath, Oliver Manahan, Debra Marshall, Cathy Medich, Lars Suneborn, Randy Vanderhoof advertisers 2 Oberthur Technologies Art Design and Production 3 Giesecke & Devrient Avisian 11 EMV Migration Forum 13 Prime Factors Main Office: Smart Card Alliance 39 Xerox 191 Clarksville Road 73 Gemalto Princeton Junction, NJ 08550 800.556.6828 www.smartcardalliance.org Membership inquiries or comments? 36 healthcare Please email [email protected] Advertisers Cubic Transportation Systems, EMV Migration Forum, Gemalto, Giesecke & Devrient, 42 identity 46 mobile and NFC Oberthur Technologies, Prime Factors, Xerox Copyright © 2011, 2012 Smart Card Alliance, Inc. All rights reserved. Reproduction or distribution of this publication in any form is forbidden without prior permission from the Smart Card Alliance. The Smart Card Alliance has used best efforts to ensure, but cannot guarantee, that the information described in this report is accurate as of the publication date. The Smart Card Alliance disclaims all warranties as to the accuracy, completeness or adequacy of information in this publication. 4 Smart Card Yearbook 6 executive director’s letter 34 PIV Card/Reader Challenges with 52 Card Payments Roadmap in the Crossing the chasm of market adoption Physical Access Control Systems: A United States: How Will EMV Field Troubleshooting Guide Impact the Future Payments 7 chairman’s letter 35 Strong Authentication Using Smart Infrastructure? A Message from Willy Dommen Card Technology for Logical Access 53 EMV and NFC: Complementary Technologies that Deliver 8 membership 36 healthcare council Secure Payments and Value-Added 8 Member List 36 Overview Functionality 9 Leadership Council 37 Year in Review: Healthcare Council 9 Alliance Management Chair 54 transportation council 10 Membership Value Statement 38 Smart Cards and Biometrics in 54 Overview 11 Membership Benefits Healthcare Identity Applications 55 Year in Review: Transportation 12 Member Survey Profile 40 Meaningful Use Stage 3 Recommendation: Council Vice Chair 14 Membership Value Testimonials Level of Assurance 4 56 Near Field Communication (NFC) and 41 Smart Card Technology in U.S. Transit: Applications, Technology and 15 member profiles Healthcare: Frequently Asked Implementation Considerations Questions 57 Transportation Council Meeting: U.S. 20 conferences and events Transit Industry Forum on Fare Collection 42 identity council Technology 22 event photos 42 Overview 43 Year in Review: Identity Council 58 EMV migration forum 24 Certified Smart Card Chair 58 Overview Industry Professional 44 Mobile Devices and Identity 59 Letter from Acting Director (CSCIP) List Applications 45 PIV–Interoperable Credential Case 60 latin america chapter 26 executive director letter highlights Studies 60 SCALA Members 61 SCALA Advisory Board 28 web site highlights 46 mobile and NFC council 61 Leadership Council 46 Overview 62 Associate Director’s Letter 30 industry councils 47 Year in Review - Mobile & NFC Council More Events and CSCIP Training Round Chair Out Full Year 31 industry councils letter 48 NFC Application Ecosystems 63 A Message from the SCALA Advisory 49 Mobile/NFC Standards Landscape Board 32 access control council 64 SCALA Committees 32 Overview 50 payments council 65 SCALA Events 33 Year in Review: Access Control 50 Overview 65 SCALA CSCIP Council Chair 51 Year in Review: Payments Council Chair 66 member directory 46 mobile and NFC 50 payments48 54 transportation Smart Card Yearbook 5 Crossing the Chasm of Market Adoption Leading the way over the benefits of smart card technology Fulfilling the mission of joined this new organization, and the group has held two in-person meet- the Smart Card Alliance to ings and formed four working committees who meet virtually to address accelerate the understand- the early priority issues facing U.S. EMV migration. ing, adoption, usage, and widespread application of In part energized by the push of EMV to update payments acceptance smart card technology in- locations to support chip-enabled contact, contactless, and mobile EMV volves many different ac- payments, the financial industry and mobile industry made major strides tivities for this continually towards the widespread adoption of NFC mobile payments. Again, the growing and changing or- Smart Card Alliance was ahead of the market by creating a new industry ganization. These activities council, the Mobile and NFC Council in 2012. The new council was part stretch across every aspect of the program planning committee that helped deliver a new joint confer- of the technology and reach ence with the NFC Forum called the NFC Solutions Summit in May 2012. across every market where the adoption of smart card The transportation fare payments industry, spurred by interest for face-to- technology is thriving. This face dialog and new information about open loop bank card, prepaid card, edition of the 2012 Smart and mobile fare payments technology from major transportation operators Card Alliance E-Yearbook is representing Chicago, New York, Philadelphia, Washington, DC, South an attempt to capture the es- Jersey, Los Angeles, San Francisco, Salt Lake City, and other regions, led to sence of a year’s worth of smart card industry leadership and advancement the council holding their own Transportation Council Meeting in Philadel- using this exciting new electronic publication platform. phia in September 2012. With two major multi-million dollar open loop payments projects in Chicago and Philadelphia now underway, and with Successfully serving diverse interests across many markets – from the tech- Washington, DC, in its procurement stage, the Smart Card Alliance has nology advances all the way through the supply chain to the individuals been at the center of the discussions between financial institutions, transit and organizations that apply smart cards in their everyday lives – requires operators, fare payments providers, integrators, and mobile payments in- strong industry support and participation. Our success is the result of dustry leaders to pave the way for bank card and mobile ticketing solutions. more than 200 industry organizations in North America and Latin Amer- ica working collectively in specific geographically-focused and industry- All of this emphasis on the changing landscape of smart card usage in pay- focused councils and work groups. Such groups are the heart and soul of ments, mobile, and transit is not meant to overshadow the significant ef- this thriving organization, and they provide the eyes and ears of the emerg- fort by the Smart Card Alliance and its members to advance the use of ing trends and shifting priorities of the rapidly changing marketplace, smart card technology in the identity and security markets. In a market whether the secure, microprocessor-based chip technology we collectively that is still driven mostly by federal government-led initiatives such as PIV call smart cards comes in the form of cards, USB tokens, e-Passports, mo- and PIV-I, TWIC, e-Passport, and NSTIC, there is still much work to be bile phones, stickers, chip-enabled add-on devices, or embedded security done and a strong insistence by the federal government for a public–pri- hardware. vate industry partnership to achieve the government’s demand for stan- dards-based, tamper-resistant, interoperable, secure identity credentials The Smart Card Alliance’s ability to affect the timing of smart card adop- and systems to be enabled to accept these credentials for access to physical tion and shape the outcome for how the industry will apply the capabilities and logical security ecosystems. The Identity Council, the Access Con- of the technology was best illustrated in 2012 by two significant market trol Council, and the Healthcare Council are all working independently directions. The United States financial industry made the decision to pro- and in cross-council projects to further the accelerated adoption of strong mote the migration to EMV payments and further accelerate NFC mobile authentication technology based on level 3 and level 4 assurance level stan- payments, based on contact