Organised by:CONTACTLESS INTELLIGENCE

circumstances works for one application, why shouldn’t it

work for another? Why shouldn’t exactly the same set of cir-

cumstances and platform be used for public parking in a multi-

story carpark? The ecosystem is basically the same; entry, usage

and exit. This is not a random example; this is already in place

in a multi-storey car park in Mönchengladbach in Germany.

Expect to see more following this thought process.

The opportunities of using the technology we have all spent

the last seven years bringing to fruition are beginning to

bloom. We’re reaching the point where contactless is getting

close to being ”normal” in the UK – certainly for payments.

In fact, one could argue that retail is a mature market and

that there is a need to explore the role of contactless in other

market areas, such as unattended. The only criteria now to

ensuring we maintain this forward momentum, is to recog-

nise that a positive customer experience is the one and only

key to continued growth of contactless technology.

This is a criteria that I believe that all our attendees will agree

upon.

I hope to discuss this topic more with you in person.

Steve Atkins //

This last year saw the release of Apple Pay, Samsung Pay,

re-investment by Google into their wallet and even news of

a Windows wallet. Not to mention changes in form-factors

and the introduction of wearable technology. These factors

alone, in my personal opinion, has meant that within the last

12 months there have been more changes, more introduc-

tions and a greater sense of renewed interest and momentum

within the contactless industry.

Contactless usage has accelerated with more retailers across

Europe rolling out the technology and consumers now ex-

pecting it as a standard payment option. On a fundamental

level, I believe that the contactless industry’s focus must now

be to; “leverage the momentum in the increased acceptance

of contactless-based payments to promote and educate on

further contactless-based innovative solutions that will en-

hance the consumer experience”. And we’re not just talking

about mobile either. The smart card is a handset-independ-

ent, user centric and proven form factor that still has plenty

of value to deliver.

A contactless card can be more than a convenient alternative

to cash. Its inherent payment function is merely the core to

a more ubiquitous use of the card for a multitude of applica-

tions that can become an integral part of the cardholder’s

lifestyle.

One of the key criteria of any form of contactless payment

is that the identity of the cardholder has been checked and

approved by the issuing bank. This means that the contact-

less card is more than a cash replacement – it is a form of

verification of its owner and therefore a token with a secure

credential. Many companies are already working in this area,

leveraging their public transportation model in offline au-

thentication. The next step must be that the consumer trusts

those companies and the issuing authorities behind them,

enough to allow their personal data to be used in 3rd party

applications such as; Loyalty, Rental, Transportation, Physical

Access and Logical Access.

These applications will soon be interdependent as multi-

application platforms (based on NFC or contactless tech-

nology) start to mature in the next few years. If one set of

WELCOME

Now in its ninth year, the Contactless Intelligence Spring

Conference continues to deliver the latest in contactless

activity, providing participants with unparalleled access to

the implementors themselves: retailers, transport operators

and local authorities.

WE WOULD LIKE TO THANK OUR SPONSORS, SUPPORTING ORGANIZATIONS AND MEDIA PARTNERS

THE 2015 CONTACTLESS INTELLIGENCE SPRING CONFERENCE

The Conference will once again mix presentations, panel

discussions and workgroups to provide participants with an

informative and interactive event. We will be reviewing differ-

ent contactless and NFC applications in place and discussing

how the technology can be implemented on a wider scale.

4 5

CONFERENCE AGENDATUESDAY 28TH APRIL 2015

09.15 – 09.20

Welcome: Steve Atkins – Editor in Chief (Contactless

Intelligence) | Chairman: Ram Banerjee, Transaxiom

09.20 – 10.00

Keynote: State of Play

Our Keynote speakers will set the current scene in the con-

tactless arena. What projects have taken off in Europe and

where is contactless being embraced by consumers? What

issues will industry players face and what challenges still

need to be addressed? And closer to home we examine the

roll-out of credit/debit card payment for travel on the Trans-

port for London network. Has this produced the predicted

increase in contactless usage and encouraged consumers to

use the technology outside of the station?

Speakers: Mark Austin – Director Innovation Product Devel-

opment & Management (Visa Europe) | Matthew Hudson

– Head of Business Development (Transport for London, TfL)

10.00 – 11.10

Transportation: has contactless technology finally

proved its worth in this sector?

Certainly in the UK we have witnessed a major uptake in the

usage of contactless technology in the transport sector over

the last few years. From ITSO smart card solutions to mobile

barcode technology to the acceptance of bank issued contact-

less payment cards. But how do transport operators make their

decisions on the solutions to adopt, with such a diverse range

of options now available? In this session we review some of

the solutions in use in the UK today, look abroad for European

success stories and discuss the possible ways forward.

Speakers: Stuart McLay – Retail Strategy Manager (First-

Group) | Dominique Descolas – CEO (Digimobee)

Panelists: Matthew Hudson – Head of Business Develop-

ment (Transport for London, TfL) | Jason Clifford – Princi-

pal Public Transport Officer (Nottingham City Council) | Ste-

ve Wakeland – General Manager (ITSO) | Bjoern Scharfen

– Marketing Director (Infineon Technologies)

In this session we look at the impact contactless can have in

this sector – not just abroad, but here in the UK and Europe

as well. How does the provision of contactless cards and

readers into the field after a natural disaster (flooding, land-

slides, storms, gales etc) ensure aid reaches the right people?

How can organisations engage with the public to encourage

more donations to charitable causes? And how can this new

technology save charitable organisations and government

departments money when collecting and distributing this

essential aid to those who urgently require it?

Speakers: Ram Banerjee – CEO (Transaxiom) | Paul Weaver –

Digital Innovation Manager (Cancer Research) | Nathalie

Blackburn – Digital Fundraising Officer (Oxfam)

14.20 – 15.30

Mobile technologies in the retail environment

In this session we review the progress of different emerging

mobile technologies and discuss if the consumer and retailer

have yet to benefit. What impact has Apple Pay really had

on the market? What uptake have other “mobile wallets”

experienced? Has BLE (Bluetooth Low Energy) delivered the

targeted marketing experience hoped for? Are consumers still

concerned about security? Have our high streets really be-

come more “Digital”?

Speakers: Stefan Gurney – Exec Director (Norwich BID) |

Dr. Neil Garner – CEO (Proxama) | Richard Carter – VP of

Channels and Strategic Alliances (Ecrebo)

Panelists: Thomas Arenz – Associate Director (Samsung

Semiconductor) | Claes Kockum – CEO (Mobilize Solutions)

15.30 – 16.00

Networking Tea

16.00 – 17.15

Networking Groups

In the last session of the day, this popular working group

format creates smaller teams to work on topics that will be

relevant for fast tracking solutions discussed in the morning.

11.10 – 11.40

Networking Coffee

11.40 – 12.50

Unattended: The move away from cash

Contactless has long been considered by the unattended

sector as a way of moving away from cash, but there have

been a significant number of barriers to overcome. In this

session we look at the impressive progress that has been

made in the UK, Europe and beyond. What different types

of contactless technology is the parking sector using? What

issues does the unattended market face compared to retail

and transit?

Speakers: Arnaud Parfait – Innovation Manager (VINCI Park) |

Emmanuel Jamin – Head of country and partnership devel-

opment – Mobile Payment & NFC (Orange) | Lewis Zimbler –

Operations Director (Nayax UK)

Panelists: Manny Rasores de Toro (British Parking Associa-

tion) | Neil Harrington (Automatic Vending Association) |

Alun Edwards – Sales & Marketing Procurement Director

EMEA (Coca-Cola) | Andrew Banks – Director, Unattended

and Petro (Verifone Europe)

12.50 – 13.50

Networking Lunch

13.50 – 14.20

Implementing Contactless Innovation: Humanitarian aid

in our own back yard?

Each year in this session we will showcase the latest trends in

contactless innovation, demonstrating how the technology

can have a major impact in a new focus area.

Over the past few months we have seen a considerable in-

crease in the use of contactless technology being used in the

charity/humanitarian sector; from enabling donation pay-

ments to delivering aid, which (we are told) is set to rise in

the future. Contactless technology provides an ideal mix of

convenience, speed and security, with the added bonuses of

removing cash from the equation.

Group 1 – Ubiquity: How can we ensure more terminals,

more contactless form factors and more users? Who is re-

sponsible for the growth of the market? How can contactless

become as commonplace as Chip and PIN?

Group 2 – Utility: How do we move beyond payment to of-

fer consumers and merchants a seamless experience? What’s

holding back multi-application offerings? How can we en-

sure contactless products offer ease of use for the consumer

as well as cost-savings for the merchant?

Group 3 – Usage: How can we drive consumer behaviour?

Is convenience enough of a motivator? Is transport the best

way to introduce consumers to contactless?

Group 4 – Unattended: Is contactless technology the best

way to bring vending into the 21st century? What issues do

the unattended sector face when moving to contactless that

are different to the mainstream retail segment? What will

drive contactless usage in this segment?

Group 5 – Underground, overground: Will contactless

payment card acceptance by TfL convince other transport

operators to follow suit or are closed systems still a prefer-

ence? What issues do operators face?

Group 6 – Urgency: Will contactless technologies provide a

cost-effective solution for charities? Can people be encour-

aged to donate more through ease of use?

17.15 – 17.30

Workgroup summaries and Chairman’s Roundup

17.30 – 18.00

Final visit to the demonstrations

18.30 – 19.00

Drinks reception

sponsored by Infineon

19.00 – 23.00

Contactless & Mobile Awards Dinner:

Corporate Sponsor Visa Europe

6 7

OPEN STANDARDS FORUM MOBILE ID FORUMWEDNESDAY 29TH APRIL 2015 WEDNESDAY 29TH APRIL 2015

09.00 – 09.15

Registration and welcome coffee

09.15 – 09.45

Keynote Session: The rise of Open Standards in secure

mobile and contactless implementations

For decades, proprietary systems have been successfully im-

plemented throughout multiple markets and in all regions

on the world. In recent years, however, the tech industry

is getting organized in various forms, such as associations,

alliances and working groups. The motivation behind it: Es-

tablishing open standards to make secure technology im-

plementations smoother, cheaper and flexible. Hence the

term “Open Standards”. In this session, representatives of

such groups will answer questions such as: Why is it relevant

now? Who should be involved? What are the key drivers?

How much security do you really need?

Contributors: Antoine Vilain – President of the Board (OSPT

Alliance) | Dr. Kim Nguyen – Managing Director D-Trust

(FIDO Alliance)

09.45 – 11.10

Session 1: Moving to mobile and NFC – a smoother,

more secure ride with open standards?

Contributors: Joerg Suchy – Associate Director Smart Card

& NFC Business Development, EMEA (Samsung Semicon-

ductor) | Michael Dupré – Release Manager for NFC SIM

(Deutsche Telekom) | Sergi Espi – Product Manager NFC

(Giesecke & Devrient)

11.10 – 11.30

Networking Coffee

9.15 – 9.35

Opening Session: What drives Mobile ID implementa-

tions and their related services in Europe?

Andrea Servida – Head of Task Force “Legislation Team

(eIDAS)” (European Commission, DG CONNECT)

9.40 – 11.00

Session 1 – Identity 2020: What is the role of secure

identity providers and the service provider in 2020?

Which business models are there? Is security technol-

ogy a hurdle or an enabler?

Moderator: Marc Sel (PwC)

Contributors:

> “ The role of the banking sector as a driver of secure mobile

payment services“ (speaker tbc – VISA Europe)

> “ Where do MNOs see their role in the secure identity

discussion?“ (Marie Austenaa – GSMA)

> “ FIDO’s approach to secure mobile ID“ (Jamie Cowper –

Senior Director, Business Development & Marketing, Nok-

Nok Labs)

> “ Mobile Passport – SW-based, award-winning solution –

authorized by U.S. Customs & Border Protection“ (Anne

Marie Pellerin – Pellerin & Associates)

> “ SkIDentity – Mobile eID as a Service“ (Dr. Detlef Hühnlein –

Managing Director, ecsec GmbH)

Format: Individual statements, followed by a moderated panel

discussion

11.30 – 13.00

Session 2: Mastering the challenges of contactless &

mobile multi-application implementations

The demand for smart, user-friendly and convenient solu-

tions for transport and ticketing is on the rise. In many cases,

a multi-application scenario, such as combining payment and

transport functionality, ticks all the boxes. Managing more

than one application securely on a contactless card or a mo-

bile implementation is a complex undertaking, though. In this

session, industry experts and implementors will give insights

on what it takes to get it right.

Contributors: Paul Monk – VP of Technology (Cubic) |

Christian Senly – CTO (Emoney) | Dr. Ralph Gambetta –

General Secretary (Calypso/Smart Ticketing Alliance) | Carme

Fàbregas – CTO (ATM Barcelona)

13.00 – 13.30

Open Standards Lightning Talks

A lightning talk is a very short presentation in a variety of

formats. Unlike standard presentations, lightning talks last

only a few minutes and several will usually be delivered in

a single period by different speakers. The goal of lightning

talks is to articulate a topic in a quick, insightful, and clear

manner. These concise and efficient talks are intended to

grab the attention of the audience, convey key information,

and allow for several presenters to share their ideas in a brief

period of time.

Contributors: Thomas Ableman – Commercial Director

(Chiltern Railways)

13.30 – 15.00

Networking Lunch

11.00 – 11.30

Networking Break

11.30 – 12.30

Session 2 – International Mobile ID implementations:

best cases, challenges, next steps.

Moderator: Eric Billaert (Gemalto)

Contributors: Achim Hildebrandt – Head of Division IT4

(Federal Ministry of the Interior, Germany) | Herbert Leitold –

Head of A-SIT (Secure Information Technology Centre, Aus-

tria) | Tarvi Martens – Development Director (Estonia’s

Certification Centre)

Format: Individual statements, followed by a moderated

panel discussion

12.30 – 13.30

Mobile ID Workshop Session

In the workshop session we split up the delegates and speakers

to work on answers on specific questions. With the help of

group moderators, statements are developed which will be

later added to the overall Mobile ID Forum statement.

13.30 – 15.00

Networking Lunch

Endorsed by OSPT Alliance

The topic of Open Standards is part of most technology debates across the entire value chain of mobile and contactless imple-

mentations. Independent of applications such as transportation, payment, loyalty and access, the discussion about standards

is getting more and more heated. Initiatives such as FIDO and OSPT are developing open, scalable and interoperable specs to

increase the speed of technology adoption without the ties to a proprietary solution and the license fees that go with it. The

European Commission, in its Digital Agenda for Europe, identified ICT “lock-in” as a problem. In its legislation, it promotes building

open ICT systems by making better use of standards in public procurement in order to improve and prevent the lock-in issue.

Endorsed by Silicon Trust

In 2015, the Silicon Trust, an international ID security industry platform, will host the first of a series of ID Trends Forums. The objec-

tive of the day is to shed light on a topic the Silicon Trust believes to be key in the coming year. A mixture of international keynote

speakers and industry working groups are the basis of a Silicon Trust Media Statement that will be published after the event.

The first Silicon Trust Forum is focussing on the growing trend of Mobile ID and secure mobile devices. It is going to evaluate the

feasibility of implementations where secure ID attributes and credentials are either stored on the mobile or where the mobile

device acts as a secure reader for a token, such as a smart card.

With two application scenarios in focus, payment and government ID, the experts in this forum will debate to what extent the

public sector can benefit from private sector experiences. We have invited key speakers from both, the world of finance and from

the public sector, to share their insights into the up and coming challenges of Mobile ID.

8 9

experienced payments professional who joined Visa in 2006

from Lloyds TSB where he spent three years as Head of Credit

Card Marketing. Prior to joining Lloyds TSB, he undertook a

number of senior roles at Royal Bank of Scotland Cards. Mark

began his career at HSBC, where he worked in both the retail

network and the Credit Card business. Mark is an associate of

the Chartered Institute of Bankers and is also a member the

Financial Services Forum.

Ram BanerjeeRam has a passion for Smart Card

technology especially when applied to

Payments, Loyalty and ID. He has co-

founded several companies including ACT – the UK’s largest

supplier of Transit ticketing systems. Since 2010 he has devot-

ed much of his time to TransaXiom, a UK company dedicated

to bringing true electronic cash to mobiles using novel and

patented technologies.

Eric BilliaertEric was appointed Marketing Commu-

nications Manager for the Public Sector

at Gemalto in 2006. Before the merger,

Eric was in charge of corporate communications of the Bank-

ing & Loyalty and Security segments. He joined the smart card

industry and Schlumberger in 2000.

From 1985 to 1999, he held various technical, business devel-

opment and marketing positions at Hewlett-Packard France,

Digital Equipment Corporation Europe and at Bull Internation-

al. Eric holds an MBA from French EDHEC business school in

Lille and graduated from IHEDN (36 IES), Institute of Higher

National Defense Studies in Paris.

Thomas AblemanThomas has been commercial director

at Chiltern Railways since September

2009. He joined the group from Na-

tional Express, where he had been Director of Product De-

velopment. At National Express, his role was to identify op-

portunities for profitable new routes and services. He was

responsible for launching their first premium coach service.

On arrival at Chiltern, he spent nine months as Marketing Di-

rector of sister company Wrexham & Shropshire before joining

Chiltern to relaunch the West Midlands service as the Chiltern

Mainline. He introduced the upgraded product offer with free

WiFi, Business Zone and a radical new pricing structure. He

has a passion for making it easier and simpler to attract new

passengers onto the railway, especially through simplifying

the presentation of fares and ticketing.

Thomas ArenzThomas is Associate Director and head

of Strategic Business Development

and Marketing Communications for

Samsung Semiconductor Europe, covering the entire product

portfolio of Samsung’s component business in EMEA.

Prior to joining Samsung in 2005 he was Vice President at

alfabet AG, a provider of software for strategic IT manage-

ment, where he headed the marketing and professional ser-

vice teams for key accounts for 7 years, after working as a

management consultant at MC Marketing Corporation AG for

6 years. He has gained more than 20 years of experience in

strategic marketing at hardware and software companies.

Mark AustinMark is Director, Innovation Product

Development & Management and is

responsible for managing Visa Europe’s

contactless product range across Europe. Prior to this position

he was Head of Consumer Credit for Visa Europe. Mark is an

schemes, employer/business partnership & engagement,

electronic ticketing and has been a key part of the team that

has implemented an ITSO ticketing scheme in Nottingham.

Most recently, Jay has been instrumental in developing a re-

tail network for ITSO products in Nottingham, including on

street ticket machines, small store outlets and web retail.

Dominique DescolasDominique is the founder and CEO of

DigiMobee, a company focusing on

software in the transportation sector.

He is an expert in ITS – especially in secured electronic trans-

actions and has been chosen by the European ITS community

to convene the group CEN TC278WG3 (standardisation ITS

public transport road).

Dominique previously worked 8 years at Veolia & Transdev at

executive level, managing digital innovation. Dominique start-

ed his career in electronic transactions (for Gemalto, Parkeon,

and Sema/Atos), in marketing, business development and

general management.

John DevlinJohn is the founder and lead of P.A.ID

Strategies. Here he focuses on innova-

tion and disruption across Payments,

Authentication, Identity and Security, utilizing over fifteen

years of commercial and analyst experience. John has worked

across many vertical sectors, including enterprise, industrial,

utilities, oil and gas, retail, financial, government, consumer,

smart home, transportation and mobile. In addition to working

with The Human Chain as a business and technology consult-

ant, John created new business areas for ABI Research and IMS

Research (now part of IHS) focusing on ID, Smart Cards & Em-

bedded Security and Financial & ID Technologies respectively.

John has authored many reports, white papers and published

documents that provide clarity and understanding of complex

technological mobile solutions covering a variety of subjects.

Jim BirchAs Engineering Director of VMC Ltd,

Jim has 20+ years’ experience with

the vending industry and cashless

payment. He is a member of the AVA technical committee

and is their representative on the Electronic Payment Com-

mittee for the EVA (European Vending Association). He has

been involved in the development of cashless projects/sys-

tems for a broad range of clients; banking, industrial, HEI etc.

He is a chartered engineer and a member of the IET.

Richard CarterRichard spent 10 years at Accenture

within their European CRM practice

working with global clients in helping

to shape their Customer Retention and Engagement Strate-

gies. Richard then went on to work for Shell with responsibili-

ty for their Loyalty Programmes across Central Eastern Europe,

Russia and Turkey in addition to responsibilities spanning real-

time customer engagement and mobile loyalty. Richard has

deep experience in Loyalty Innovation with a particular focus

on real-time personalised customer engagement.

Richard now heads up Global Channels and Strategic Alli-

ances at Ecrebo whose platform processes over 100 million

customer baskets a month, helping Retailers gain a deep

understanding of their customers, their purchase history,

preferences and supporting them in turning this insight into

actionable personalised engagement.

Jay CliffordFollowing 12 years as a contracts manger in the construc-

tion industry, Jay joined Nottingham City Council’s Educa-

tion Department in 2001. Initially, Jay worked on a wide va-

riety of contracts on behalf of the authority including home

to school transport. In 2004 Jay joined the Public Transport

Team at the City Council. In the last ten years Jay has worked

on a variety of projects including multi operator ticketing

SPEAKERS’ BIOS

10 11

Michael DupréFor 2 years Michael has been a re-

lease manager for the NFC SIM card of

Deutsche Telekom. Michael started his

professional career 1983 as a software engineer. In 1992 he

changed to DETECON GmbH and became responsible for the

personalisation of SIM cards for the D1 network of T-Mobile.

Over the years, he also worked as project manager for several

smart card related projects within T-Mobile. Throughout all

his time, he has been active in international standardisation

bodies, mainly in ETSI and OMA. In 2005 Michael left the

smart card business and worked as an IT business analyst.

Alun EdwardsAlun currently works for The Coca-Co-

la Company in their Global Sustainable

Procurement Team as ‘Sales & Market-

ing Equipment Strategic Procurement Director’ with responsi-

bility for EMEA. Based in the UK, Alun leads the development

and execution of Cooler, Fountain, Hot Brew and Vending

procurement programs, focused on driving continuous im-

provement, innovation and collaboration to drive shared val-

ue. This includes building and improving supplier relationships

and facilitating cross-bottler management initiatives targeting

both financial and non-financial drivers of value.

Alun has a proven track record of leadership and success in his

18.5 year career within the Coca-Cola System and has exper-

tise across Commercial, Operations, Sales & Marketing Equip-

ment and Transformational Projects including the activation of

London 2012 Olympic & Paralympic Games.

Sergi EspiSergi joined the mobile security unit of

Giesecke & Devrient in 2007 as an R&D

software engineer. In 2012 he moved

to the telecommunication unit and has been working since

then as a product manager for high-end SIM cards, specially

focused on NFC Transit technologies. In this position he is

dealing with the global roll-out of NFC and its impacts on

MNOs and the complete ecosystem.

He holds a bacherlor’s degree in telecommunications engi-

neering and has a strong background and experience on em-

bedded systems, which has been acquired through work in a

variety of areas, including engineering, energy industry and

gaming machines.

Carme Fàbregas Carme has worked in the transport

environment since 1998, joining the

team responsible for GIS and Transport

Planning of Infrastructures and Services at the Metropolitan

Transport Authority of Barcelona. In 2005 she was promoted

Head of Systems, taking responsibility for fare ticketing system

technology and leading the multifleet Automatic Vehicle Lo-

cation and Management System.

Now, she is mainly focused on the T-Mobilitat project, which

is contactless and real-time-passenger-information-based, in-

volving all the transit operators in Barcelona and its metro-

politan region that make up a dynamic network. Co-author

of 2 international patents (2014) regarding Security and Fare

Ticketing operations, Carme has also participated in several

national and international Working Groups and workshops

along with post graduate educational sessions.

Kevin FarquharsonKevin is a highly experienced Pro-

gramme Manager and Consultant in

the uses and applications of smart me-

dia. He is particularly knowledgeable about payment applica-

tions, mobile technology, contactless cards, smart ticketing,

resident cards and university card schemes.

Kevin is Managing Director of Smartran which he founded

in 2003. He has gained his experience in Government, Trans-

port, Local Authority, Oil & Gas, Finance, Utility and Technol-

ogy sectors. He is also Chair of the Smart Card Networking

Forum for Local Government and a regular contributor to

ITSO, Transport Card Forum and SCNF events. Prior to Smart-

ran, Kevin was a consulting manager for Accenture (formerly

Andersen Consulting) and originally began his career as a Sys-

tem Engineer for BT’s Major Accounts team.

Dr. Ralph GambettaManaging Director of Temco GmbH,

Ralph has a management and politics

background with a Ph.D. as well as a

strong involvement in the transportation sector. Before join-

ing Temco GmbH in 1997, he was active in various transport

companies such as German Railway, International Railway Un-

ion (UIC) and RATP (Paris metro and bus operator). Projects

have included the successful smart card project CALYPSO and

SINCE project.Since 2005 he has been in charge of promotion

at Calypso Networks Association (CNA) and the deployment

of smart ticketing schemes. Recently his function at CNA was

extended to General Secretary. He is also a member of the

German standardisation committee of information technology

and smart cards and vice chair of the Smart Ticketing Alliance.

Dr. Neil GarnerChief Executive and Founder of Proxa-

ma, Neil has a wealth of experience

in contactless technology. He passion-

ately believes in using emerging technologies to create valu-

able services for real people which hide the technology and

give the consumer control.

Proxama is a next generation mobile commerce company

that specialises in NFC mobile contactless payments and NFC

marketing. Proxama’s NFC platform, which supports all NFC

handsets and mobile OSs, connects the physical and digital

worlds, allowing individuals to receive offers, connect with

brands and make payments through their NFC phone. Our

mobile wallet and marketing platform enables, card issuers,

MNOs and handset manufacturers to rapidly launch NFC pay-

ment services and marketing campaigns.

Stefan GurneyStefan is the Executive Director of Nor-

wich BID, which was developed out of

a long established city centre partner-

ship. He is focused on providing leadership, management and

accountability for the Norwich BID working in partnership

with local and national stakeholders.

He has shaped and implemented successful initiatives and ac-

tivities, which have led to Norwich Lanes winning the DCLG

award as the Great British High Street of the Year. Prior to

this role he was the City Centre Manager with Norwich City

Council for over 5 years and he has also worked with Compass

Group, Sainsbury’s, Virgin Cinemas and lastly with Rentokil

Initial as a regional business manager.

Neil HarringtonNeil has worked in the vending industry

for the past 27 years with MEI in cash

and cashless payment systems and lat-

terly in a technical development role with Mars Chocolate. His

experience spans both payment systems and the ground up de-

sign and development of vending equipment from international

manufactures. Neil set up independent vending consultancy

24Vend with his business partner Gillian White, where they

provide market development and technical project manage-

ment development to existing and emerging companies in the

vending industry. Neil is a member of the European vending as-

sociation where he contributed to the Technical and Electronics

Payment committees and also UK vending association the AVA,

where he is the current chairman of the technical committee.

Achim HildebrandtAchim is one of the key experts on ID documents in the Ger-

man Ministry of the Interior. Since 1990 he has held various

positions in the Ministry. He was Head of Department Schen-

gen and EU Visa, as well as the Head of the German delegation

at the European VISUM Board and of the Technical Working

Group Visa Document which worked on the introduction of

the EU Visa sticker and of the EU residence permit; Head of the

Project Group “Passports, Registration and Biometry”; Vice Di-

rector of EU-unit /Head of Department “EU”; EU-representative

and Head of Department “EU policy”. As of summer 2012 he

is the Head of Department IT I 4, responsible for Passports and

Identity Documents, as well as Identification Systems.

12 13

Dr. Detlef HoudeauDetlef is the Senior Director for Business

Development at Infineon Technologies

in the Government Identification mar-

ket segment under the Chip Card & Security ICs business group,

responsible for worldwide sales, customers and partners in the

ID segment. Projects include a combination of IT security, biom-

etric systems, digital signature, infrastructure systems for issuing

ID cards and e-passports. Detlef first joined Siemens in 1985

in corporate research and development and over the years has

held a variety of positions in different departments before mov-

ing into a business development role. He has published over

100 papers and filed 40 patents in the smart card application

segment focusing on the government ID market. He is also a

member of several industry organisations.

Matthew HudsonFollowing 10 years in Transport Infra-

structure and Property Development,

in 2010 Matthew joined the Fares &

Ticketing Team in TfL. He has led the reprocurement of TfL’s

ticketing services contract, Electra, a 10 year £1bn procure-

ment, and developed a new business service unit for support-

ing fare collection schemes outside of London. He delivered

the transport ticketing requirement for the London Olympics.

Dr. Detlef HühnleinDetlef has more than fifteen years of

professional experience in the area of

IT-security, received a doctoral degree

in cryptography from TU Darmstadt, has given lectures about

electronic signatures, internet security and identity manage-

ment at various universities, (co-)authored more than 70

papers for refereed journals and conferences and frequently

gives talks at national and international IT security events.

He has been actively involved in standardization committees

within DIN, CEN, ETSI, ISO and OASIS and is founder and CEO

of ecsec GmbH – a specialized vendor of innovative solutions in

the sector of security in information and communication tech-

nology, security management, smart card technology, identity

management, web security and electronic signature technology.

Emmanuel JaminEmmanuel is Head of Country and

Partnership Development for Orange’s

Mobile banking and Contactless divi-

sion. His main mission is to develop mobile contactless usages

(NFC, Near Field Communication) across different industries

such as transportation, retail, leisure and advertising.

Previously, Emmanuel spent 5 years within Orange Business

Service, first in Paris and then in New York, where he was

Head of Business Development. His main achievement was

the creation of a profitable practice dedicated to Customer

Relationships and Contact Centre. Before joining Orange, Em-

manuel was the Sales Director for a boutique consulting firm

in Paris. He also lived in Belgium for 6 years where he started

his career with Altran and then headed a digital agency.

Claes KockumClaes joined Mobilize as Business De-

velopment Director in 2011, and is re-

sponsible for driving forward the com-

mercial growth of Mobilize. He was appointed Commercial

Director in 2012, and Chief Executive Officer in 2014.

Prior to Mobilize, he spent 5 years at UBS Investment Bank,

working on mergers & acquisitions in the industrials sector.

Stuart McLayStuart currently leads the strategic devel-

opment and delivery of the retail propo-

sition for First Great Western Trains.

Over the last 10 years Stuart has worked within a number of

teams, including customer services, operations and commercial.

Stuart’s vision is to deliver a customer centric retail proposition

focused on delivering, simplicity, value and innovation.

A key priority and area of responsibility for Stuart is leading

the implementation of innovative ticketing and retail solutions

within First Great Western, including m-Ticketing and ITSO

smartcard. This whilst also developing the overall retail offer

to ensure a joined up multi-channel proposition is created.

Tarvi MartensTarvi has been a key figure in the Esto-

nian IT and information security field

for the past dozen years. In 2002, Tarvi

joined SK where he laid down the original concept of DigiDoc,

the national de facto standard in Estonia for digital signatures

and in 2003 he started the e-voting project with the Estonian

National Electoral Committee. He is a frequent speaker in Eu-

ropean IT-security events and a representative of the Estonian

Government in various EU working groups.

Before this, Tarvi was building governmental internet (1993-

1997), developing information security and PKI products

(1997-2001) and actively involved in various aspects of devel-

oping Estonian e-government as a whole. He was also among

the originators of the Estonian ID card project in 1996.

Paul MonkPaul joined Cubic in 1995 and having

served a number of engineering posi-

tions within the European business he

is now responsible for the company’s worldwide engineering

activities, having been appointed as Vice President for Tech-

nology Worldwide in October 2014.

Paul has detailed AFC experience across a number of projects

and technologies including the first large scale public trials

of NFC in Hanau and London. He was the Transys Technical

Design Authority for the phenomenally successful Oystercard

system during its design, development and implementation.

More recently, Paul has contributed on a number of open pay-

ments and account-based systems throughout the world.

Dr. Kim Nguyen Kim studied mathematics and physics

at the universities of Göttingen (Ger-

many) and Cambridge (UK) and re-

ceived a Ph.D. in mathematics for his work on the relation

be-tween classical number theory and cryptographic security

of elliptic curves. After two years with Phillips Semiconductors

working as a cryptographer, he joined the German Federal

Print (Bundesdruckerei) in 2003. Here he was responsible for

the topics of cryptographic and chip security as well as infra-

structure aspects in the ePassport and eID projects in Germa-

ny. Since 2012 he has been responsible for all technical securi-

ty topics within Bundesdruckerei as Chief Scientist Security. In

June 2012 he additionally took over the position of Managing

Director of D-Trust, the trust center of Bundesdruckerei.

Arnaud ParfaitArnaud is Innovation Manager at VINCI

Park. After initial experience in start-ups

and venture capital, he worked as a

Strategy Consultant within Roland Berger in Paris before join-

ing Vinci Park in 2014. He is now in charge of implementing

the digital strategy of the Group and was responsible for the

SimplyPass pilot in Caen. Arnaud graduated from HEC Paris

Business School, specializing in strategy and entrepreneurship.

Anne Marie PellerinAnne Marie is a Principal at Pellerin &

Associates helps companies and organi-

zations identify and leverage opportu-

nities in fields of security and passenger facilitation. Prior to her

current role, Anne Marie served for six years as a U.S. Depart-

ment of Homeland Security (DHS) Representative at the U.S.

Embassy in Paris where she focused on policy matters related

to traveler identity and identity authentication.

Previously, Anne Marie served as Executive Director of the U.S.

Transportation Security Administration’s (TSA) Checkpoint of

the Future Program where she launched mobile boarding

pass. Before her work in government, she worked for former

U.S. Secretary of Defense William Cohen as a consultant with

The Cohen Group.

14 15

Manny Rasores de ToroManny is a Technology and Services Ex-

pert and principal of Mr. Parking Con-

sultancy. He has been actively involved

in the UK and International parking market for over 25 years

and specialises in the market specifications and deployment

of innovative electronic payments and access controls such as

contactless cards, mobile phones and ANPR based hands free

access for registered account holders. His objectives are to de-

liver faster (non-PIN) payments and car access using contact-

less technology and ANPR to deliver greater customer con-

venience and improvements to the parking operation.

Manny is a BPA Director and Chair of the Public Affairs Board,

BPA Council of Representatives Member, Chair of the BPA –

EMSIG Group and Chair of BSi – UK Parking Experts.

Björn ScharfenBjörn has more than 17 years of experi-

ence in the electronic components in-

dustry and is currently holding the posi-

tion of Marketing Director, heading the Product Marketing &

Management of the Business Line Secure Mobile & Transaction

at Infineon Technologies. He assumes worldwide responsibility

for security controllers used in Mobile Communication, Pay-

ment and Transport & Ticketing applications.Prior to this role he

worked for over 10 years in various positions within the Market-

ing team of the Security & Chip Card ICs division mainly for Pay-

ment and Communication. Before joining Infineon in 2000, he

started his professional career in 1997 with the Ceramic Com-

ponents Division at Epcos AG as Product Marketing Engineer

for automotive, industrial and consumer applications.

Marc SelMark works for PricewaterhouseCoop-

ers ‘Advisory Services’ in Belgium as a

Director, specialised in ICT Security and

Performance. He joined the firm in January 1989 as a Consult-

ant and over time has specialised in the field of security, cover-

ing areas such as access control, PKI and smartcards, as well as

information security organisation legislation and policies, stand-

ards and guidelines. He has performed specialised in-depth

reviews, assisted clients with the selection of solutions, and per-

formed implementations. Prior to PwC, Marc was with Esso,

working as a Systems Programmer and a Technical Analyst. He

moved to Esso after a stay of approximately 4 years with Bell

Telephone Manufacturing Company, where he developed and

delivered training courses on all aspects of digital telephony.

Christian SenlyChristian is CTO of EMONEY GROUP

B.V.. He has 25 years of experience in

consulting and business operations,

from information security and systems, to complex system

integration programs, management and innovation. Thanks

to relevant hands on experiences in Asia (Octopus, EasyCard,

Manila AFCS, …), across Europe (OV-Chipkaart, OIS, Open-

Card, …), South America and The U.S.A.; and to a passion

for digital ecosystem designs and his focus on interoperable

fare management and payment models, Christian has grown

a vision of what is possible that has proved itself many times.

He brings an interesting mix, especially when contemplating

multi-application implementations.

Andrea ServidaAndrea is Head of the Task Force “Leg-

islation Team” (eIDAS) in Directorate

General ‘Communication networks,

content and technology’ (DG CONNECT) of the European

Commission. From 2006 to 2012, he was Deputy Head of the

Unit “Internet; Network and Information Security” in DG INFSO

where he co-managed the Unit and was in charge of defining

and implementing the strategies and policies on network and

information security, critical information infrastructure protec-

tion, electronic signature and identification. From 1993 to 2005,

Andrea worked in the European Commission ICT research pro-

grammes dealing with safety critical systems, software engi-

neering, database technology, privacy enhancing technologies,

biometrics, dependability and cyber security. Before joining the

European Commission in 1993, he worked in industry for nearly

eight years as a project manager of international R&D projects

on decision support systems for environmental, civil and indus-

trial emergency and risk management.

16 17

Joerg SuchyJörg is Associate Director Strategic

Business Development Chip Card and

Near Field Communication (NFC) EMEA

at Samsung Semiconductor Europe GmbH. Jörg joined Sam-

sung in 2002 as Marketing Manager Microcontrollers EMEA.

Since 2007, he has been responsible for the Strategic Business

Development Chip Card and NFC-CLF, covering smartcard ICs

for Telecommunication (SIM), Machine–To–Machine (M2M),

Near Field Communication (SWP-UICC), Finance, Security and

Identification operations.

Jörg represents Samsung Semiconductor Europe at the OSPT

Alliance as a member of the General Meeting and Market-

ing Working Group (Chairman of Mobile and HCE Activities).

Before joining Samsung, Jörg started his career in 1994 at the

Semiconductor Production of Philips RHW in Hamburg and

moved to NEC Electronics (Germany) GmbH in 1997.

Steve WakelandSteve has worked in technology risk

management and information security

at various industrial and financial ser-

vices organisations for over 30 years. He joined ITSO Limited in

2011 as Governance Manager to lead compliance through the

implementation of policies and procedures across the ITSO

membership. Steve became General Manager of ITSO Limited

in January 2015.

Richard WarrenRichard is Managing Director at research

and marketing agency FirstPartner. He

has led strategy, product development

and marketing projects for a range of clients including Voda-

fone, Visa Europe, Oracle, Microsoft, TomTom and Sky. He has

significant experience researching and developing payments,

mobile marketing and commerce propositions on behalf of pay-

ment processors, service providers, vendors and mobile network

operators. Richard’s experience prior to FirstPartner includes 15

Years at BT undertaking a variety of roles including, Video on

Demand product development and launching and running the

Wireplay on-line gaming service. As Product Development Di-

rector at Gameplay plc he led the development and launch of

multi-channel entertainment and commerce services.

Paul WeaverPaul has worked at Cancer Research

UK for 3 years; firstly in the Innova-

tion Team before moving to the Digital

Team to explore innovations in technology and ensure CRUK

are utilising new tech / trends to maximise fundraising. During

this time he’s helped launched numerous campaigns including

BBQ for CRUK, World Cancer Day and the Race for Life mobile

App, as well as projects focused on changing the Innovation

Culture internally. Prior to working at CRUK, he spent two

years at Apple, and for a short while worked as a Design Engi-

neer for a Scuba Diving company. He’s passionate about new

technologies and the way they can improve people’s lives,

and believes contactless payments are integral to the future

of fundraising.

18 19

ideal for higher levels of personal iden-

tification, which boosts usability. For

example, biometric authentication via

fingerprint has already been added to a

number of handsets. Similarly, technol-

ogies such as geo-fencing add another

layer of verification that is highly secure,

yet unobtrusive.

Put contactless card and smartphone

together and new opportunities arise.

For example, data from shopping habits

could (with the individual’s consent) be

used by retailers to provider personal-

ised offers. From a transport perspec-

tive, it could provide access to public

transport services or access to rental

bikes and cars. From a secure ID per-

spective, it could provide access to ho-

tel rooms and entry to secure places of

work – all possible with just the touch

of a smartphone. At all times, the link-

ing of the individual’s bank card with

their smartphone’s biometrics has the

potential to confirm their identity. This

reduces fraud and keeps people safe,

while delivering a quick, convenient and

compelling service.

As mobile payments become more

widely used we can expect contactless

as a method of authentication to evolve

further. With Visa at the heart of this,

people, businesses and organisations

of all kinds can be confident they are

using a system that keeps their personal

details, and therefore their identity, safe

and secure.

A contactless card, micro tag, wearable or mobile solution can be more than a convenient alternative

to cash. Its inherent payment function is merely the core to a more ubiquitous use of the device for a

multitude of applications that can become an integral part of the cardholder’s lifestyle.

by Visa Europe

LOOKING BEYOND A CASHLESS SOCIETY

towardsA CONVENIENT,

SECURE, CONTACTLESS LIFESTYLE

One of the key criteria of any form

of contactless payment is that the iden-

tity of any cardholder has been checked

and approved by the issuing bank. This

means that the contactless device is

more than a cash replacement – it is

a form of verification of its owner and

therefore a token capable of strongly

authenticating itself. Visa Europe is

already doing work in this area with

Transport for London, which leverages

the ‘Variable Fare Transit’ model which

has as much in common with an access

control system as it does a traditional

Visa contactless transaction. There are

many logical extensions of this frame-

work such as Loyalty, Rental / Sharing

(Cars, Bikes, etc) Transportation, Physi-

cal Access (Hotel / Hospitality / Enter-

tainment) and Access Control (Gymna-

siums / Events).

Over the past few years we have

seen contactless card acceptance in-

crease at an impressive rate. Currently,

the number of contactless card hold-

ers is growing at over 50% year on

year whilst infrastructure adoption is

increasing at nearly 80% year on year.

In other words, as more merchants of-

fer their customers the ability to use

contactless, they are taking it up in

droves.

Offering consumers a quick, con-

venient and secure way to buy items, as

well as access transport networks (most

notably the Transport for London net-

work) is only the beginning.

We can think of the contactless bank

card as the first step towards a lifestyle

where NFC technology opens more

than just payment doors.

At the end of 2014 the launch of

Apple Pay in the US demonstrated the

first commitment by a major smart-

phone manufacturer to NFC-enabled

mobile payments. Since then Samsung

has also made a similar commitment.

The fact that the two leading handset

manufacturers have made mobile pay-

ments the cornerstone of their latest

product announcements demonstrates

why Visa thinks 2015 is the year when

mobile payments will move beyond

pilots and tests into the hands of con-

sumers. In fact, with more than 10 times

the number of active contactless ter-

minals than the US, Europe is poised

to lead the world in the adoption of

mobile payments with substantial infra-

structure already in place.

The next step on the journey is

for contactless payments, be they on

a card or a smartphone, to become

more than a payment – they will be-

come a physical identifier that is capa-

ble of strongly authenticating itself for

services or experiences that extend far

beyond a payment.

While there will always be a place

for the contactless card on its own,

we see the future as the integration of

contactless card and wearable device

or smartphone to deliver a wider range

of services to the individual. The add-

ed functions of a smartphone make it

2120

Michel BarjanskyMichel is a graduate of Ecole des Hautes

Etudes Commerciales. He joined RATP

(French transport operator) in 1973

holding a variety of different posts over the years. Since 1992

he has been associated with the “Projet Telebillettique”, at

RATP. That project, based on the Calypso specification, is

now rolled out under the name of “Navigo”.

In 1998 he joined the SIT department and took responsibility

for the development of services based on contactless tech-

nology; active in research, standardization, final development

and commercial deployment. From 2002 he was head of

the “Business Development” entity, in charge of technology

based new products and services, in the Innovative Customer

Technologies of the Engineering Department. And in 2008 he

was the “Innovation” Manager for the whole Engineering De-

partment. In October 2010 he retired, but remains associated

with standardization and interoperability bodies for public

transport and payment.

John BerryJohn retired from the European Com-

mission-DG MOVE in June 2014 after

completing 24 years on transport pol-

icy. He worked on strategic policy development and for that

gained considerable experience from working closely with

key stakeholders, from EU and Member States’ institutions,

political parties and organisations, business operators and

service providers, international agencies and institutions,

standardisation bodies as well as academia.

Since July 2011 he has worked in the field on ‘Research and

Innovation’ with the brief of developing the Horizon 2020

programme for ITS and Logistics and policy development on

smart passenger transport ticketing. He was responsible for

developing the impact assessment for the new Trans-Euro-

pean Transport Network and for freight transport logistics

policy and research. He has been DG TREN/ DG MOVE’s

Wendy Atkins (HEAD JUDGE)

Wendy Atkins is a journalist and com-

mentator in the global business sec-

tor. She is contributing editor with fDi Magazine, The Banker

and This is Africa (all published by the Financial Times) where

she is in frequent contact with leaders in her specialist areas

of emerging markets, technologies and investment.

She has been writing about the smart card, payments and

associated industries for more than 10 years, and is an editor

with Contactless Intelligence, where she is responsible for

turning the latest contactless developments into interesting

and insightful stories. She is also editor of Security Docu-

ment World, where she is in constant contact with suppliers

and end-users of government issued security documents.

She has authored White Papers and thought leadership doc-

uments for some of the major players in the smart cards,

biometrics, mobile and financial industries.

Wendy has also been a member of previous judging panels

for the SESAMES Awards at Cartes, Paris, and GSMA global

mobile awards.

Mark AustinMark is Director, Innovation Product

Development & Management and

is responsible for managing Visa Eu-

rope’s contactless product range across Europe. Prior to this

position he was Head of Consumer Credit for Visa Europe.

Mark is an experienced payments professional who joined

Visa in 2006 from Lloyds TSB where he spent three years as

Head of Credit Card Marketing. Prior to joining Lloyds TSB, he

undertook a number of senior roles at Royal Bank of Scotland

Cards. Mark began his career at HSBC, where he worked in

both the retail network and the Credit Card business. Mark is

an associate of the Chartered Institute of Bankers and is also

a member the Financial Services Forum.

JUDGES’ BIOSCONTACTLESS AND MOBILE AWARDS, 28TH APRIL 2015

based in mainland Europe, and 53% Rest of World.

All categories are judged by a panel of industry experts

11 categories are judged by a panel of industry experts, 1

category is voted for by the industry and 2 categories are

selected by Visa Europe – the Winners being announced at a

prestigious evening ceremony organized in London following

the Contactless Intelligence Spring Conference on evening of

the 28th April 2015.

Now in its 8th year, the Contactless & Mobile Awards are

presented to those companies, organizations and retailers

who have done the most to embrace and implement con-

tactless/NFC technology into their day-to-day operating

practices.

These awards represent a real promotional springboard and

give the winners a reputation and credibility for their efforts

within the industry. The competition is open to all imple-

mented contactless applications within the relevant sectors,

regardless of geographic region or size of corporation. In

fact 2014 saw our most diverse percentage of nominees per

region than ever before, with 13% based in the UK, 34%

22 23

technical expert on road vehicle engineering policy which in-

cluded the vehicle roadworthiness programme, vehicle safety,

biomechanics and environmental issues – he introduced seat

belt and child restraint wearing into EU policy.

Paul ChamberlainRecognised as the most prolific Con-

venience store visitor worldwide, Paul

seeks best practise as a means of pro-

viding retailers and suppliers a shared experience as a key

part of the Association of Convience Stores membership

package. Following a degree in business, Paul worked in re-

tail and wholesale as well as a number of roles within the

publishing industry.

Hank ChaversHank ChaversHank joined GlobalPlat-

form as Technical Program Manager in

2014. He plays a key strategic role in

supporting the technical committees, Advisory Council and

task forces, providing assistance with meetings and develop-

ment of white papers/requirements, and furthering the asso-

ciation’s business development efforts in the United States.

Additionally, Hank supports GlobalPlatform’s Technical and

Executive Directors, as well as aiding the development of the

association’s specifications.

Hank has over 20 years of experience in the development,

deployment and convergence of internet and mobile servic-

es. In his previous roles as a near field communication (NFC)

specialist, he has overseen the production of proof-of-con-

cept demonstrations for NFC enabling wireless technologies,

provided technical management for the first ever implemen-

tation featuring two types of payment cards loaded in one

secure element, crafted the market entry strategy for a For-

tune 50 telecommunications firm to launch a new NFC ser-

vice platform and led the NFC Forum Developer Workgroup

and NFC Global Competition. Hank is also the co-author of

‘NFC Reference Guide for Air Travel,’ an IATA and NFC-Forum

joint publication and served as Technical Editor for the book

‘Professional NFC Application Development for Android’.

Paul CrutchleyPaul business leads the retail work

stream within Mobile Commerce, de-

veloping a common approach and

understanding, developing and taking best practice across

GSMA’s global footprint. He’s also developed the ‘Mobile

Commerce in Retail’ ‘Couponing and Loyalty’ proposition pa-

pers for the GSMA, and is working with retailers and associa-

tions to ensure value to retail and town centre initiatives. Paul

has also sat on the NFC-Steering Board in the UK, Digital High

Street, and has been a Non-Executive Board Director with the

Association of Town and City Management.

Over the past 11 years Paul has developed and launched some

of the most advanced new technologies and propositions in the

Mobile, VoD and Gaming industries. From the first proposition

Vodafone LIVE!, Vodafone global 3G Launch, and Mobile TV,

to Sky’s on demand and Xbox’s video on demand services, Paul

has wide ranging experience and is well respected in the devel-

opment and implementation of new initiatives internationally.

John DevlinJohn is the founder and lead of P.A.ID

Strategies. Here he focuses on innova-

tion and disruption across Payments,

Authentication, Identity and Security, utilizing over fifteen

years of commercial and analyst experience.

John has worked across many vertical sectors, including en-

terprise, industrial, utilities, oil and gas, retail, financial, gov-

ernment, consumer, smart home, transportation and mobile.

In addition to working with The Human Chain as a business

and technology consultant, John created new business areas

for ABI Research and IMS Research (now part of IHS) focus-

ing on ID, Smart Cards & Embedded Security and Financial &

ID Technologies respectively.

John has authored many reports, white papers and pub-

lished documents that provide clarity and understanding of

complex technological mobile solutions covering a variety of

subjects.

Kevin FarquharsonKevin is a highly experienced Programme

Manager and Consultant in the uses and

applications of smart media. He is par-

ticularly knowledgeable about payment applications, mobile

technology, contactless cards, smart ticketing, resident cards and

university card schemes. He has over 25 years wide-ranging ex-

perience successfully implementing and managing multi-million

pound IT programmes and projects. Kevin studied Engineering at

Trinity Hall, Cambridge where he gained a Master’s degree. He is

a Chartered Engineer and Member of the IET. He is Chair of the

Smart Card Networking Forum for Local Government and a reg-

ular contributor to ITSO, Transport Card Forum and SCNF events.

Kevin is Managing Director of Smartran which he founded in

2003. He has gained his experience in Government, Transport,

Local Authority, Oil & Gas, Finance, Utility and Technology sec-

tors. His recent assignments include Nottingham Trams’ award

winning off tram ticketing project, Norfolk Smart Ticketing Man-

aged Service, DfT smart ticketing team, introduction of Glasgow

SPT contactless tickets, European MobiWallet project and Eco

Rewards scheme for green travel choices.

Stefan Schmidt-EgermannStefan Schmidt-Egermann has worked

in IT for the last 16 years. He is an ex-

pert in the field of IT infrastructure,

IT security and identity management – especially on mobile

devices and cloud-based services.

Stefan is a highly sought-after speaker at a wide variety of

industry conferences and events with expert knowledge in

the field of M2M, the Internet of Things, Industry 4.0 and

Secure ID.

Since 2011, he has worked for the German IT security spe-

cialist certgate GmbH where he currently acts as Head of

Sales & Marketing, as well as the company’s representative

in international industry associations, such as the FIDO Al-

liance, the OSPT Alliance and the Natural Security Alliance.

Kristian T. SørensenKristian serves as Senior Manager for

Corporate Strategy in Nets, a leading

Northern European payment solutions

provider, where he leads the strategy development related

to Nets’ mobile services initiatives across the Nordic coun-

tries. Kristian holds a master’s degree in Communication and

Psychology, but has worked with online solutions since the

early days of the Internet in the mid-1990s and with online

financial services since 2002.

Kristian has participated in Mobey Forum since 2010 and

has been an active contributor to the production of Mobey

Forum’s mobile wallet white papers. He was elected to the

Board and Chairman of the Marketing Work group in 2012.

His work within Mobile Financial services has made him a

frequent speaker and panellist at conferences worldwide.

Samee ZafarSamee is a director in the London of-

fice of Edgar, Dunn and Company, a

global management consulting firm.

Samee has advised some of the world’s largest financial or-

ganisations and mobile operators in North America, Europe,

and Asia Pacific. He focuses on advanced payments consult-

ing advising banks, mobile operators, and payment service

providers on internet and mobile commerce / payments.

He previously held leadership positions at Pricewaterhouse-

Coopers and at Scient Consulting based in London and New

York. He started his career with Visa International in London

where he helped banks enhance their payment product prof-

itability. Samee has published a number of articles in leading

industry journals and is a regular speaker at industry events.

He has co-authored a book “Developing and Managing a

Successful Payment Cards Business” published by Gower

Publications.

Samee completed his BSc at the Government College in La-

hore, Pakistan, is a chartered accountant, and was a Com-

monwealth Scholar at the City University in London where

he obtained his MBA in Finance.

24 25

01 CONTACTLESS PAYMENT COLLABORATION

Effective partnerships when it comes to contactless payments

are key to a successful project rollout; be they collaborations

between MNOs, banks, retailers, third parties etc. After all,

we know that you can’t make the payment industry work in

isolation. This category awards the company that has done

the most to foster collaboration between contactless payment

value chain players. Who’s up for working well with others?

02 RETAIL

The retail industry is the front line for all consumer oriented

technology innovation. In this category, we are rewarding

retailers that embrace technology to improve the customer

experience. From digital signage to virtual storefronts to

smart mobile payment systems; in the retail category, the

judges are looking for forward looking, integrated solutions

that take shopping to the next level.

03 TRANSPORTATION AND TICKETING

Awarded for the best use of contactless / NFC technology

within the transportation and ticketing environment. Be it

public transport or tickets for events, this award is aimed at

those companies who have embraced the new contactless /

NFC technology to deliver their specific products to a mass

audience.

04 INNOVATION

Contactless and NFC technology is moving beyond payment

to new applications, be it location marketing, museum guides,

or online note-taking. In this category, we are rewarding in-

novative uses in practice of NFC and contactless technology.

05 CUSTOMER EXPERIENCE

Awarded for the most convenient use of contactless / NFC

technology creating a great customer experience. Be it public

transport or tickets for events, this award is aimed at those

companies who have embraced the new contactless / NFC tech-

nology to deliver their specific products to a mass audience.

06 LOYALTY

What could be a better sector just waiting for contact-

less / NFC technology than the loyalty industry? With so many

loyalty cards out there today – all waiting to be integrated

into a mobile phone – surely this industry sector is the one

embracing new technology the most?

07 MARKETING CAMPAIGN

Smart posters, in-store endorsements, social networking, lo-

cation marketing – a number of marketing and advertising

agencies have embraced NFC technology within the heart of

their campaigns. It’s an exciting time and this category rewards

both agencies and clients who have taken the leap and used

NFC/BLE technology to market their products to the public.

08 UNATTENDED

In an increasingly convenience-focused market, we will look at

the customer driven, practical innovations and how it creates

new solutions. From interactive services, to multimedia output

and online connectivity, today’s service oriented kiosks, ticket-

ing and self-service applications may be one of the key drivers

for contactless and mobile implementations.

09 ECOSYSTEM

Small-scale pilots have made way for company-, city- or even

country-sized projects, bringing together many application

areas and user experiences. Payments, posters, tourist infor-

mation services, public transportation and even parking – in

this category we award the efforts behind those contact-

less / NFC ecosystems.

10 CONTACTLESS ID & SECURITY

Security is key when it comes to securing people’s identity.

Contactless and mobile technology adds the convenience to

ID applications, facilitating the use of government and or

private sector issued schemes. Awarded to the most prolific

secure ID system out there.

11 GAMECHANGER

Popular Kickstarter (or as we refer to them – ‘Gamechanger’)

projects have included potato salad or the perfect butter knife.

This new CMA category, however, is a bit more technical than

that. This award is handed to the individual or company with

the most convincing business idea using NFC and mobile. The

kind of idea that could work on a crowd-funding platform

because it fills a void or catches people’s imagination.

INDUSTRY CHOICE AWARD

This award was introduced in 2013 and proved so popular

that a real battle ensued between the top 3 contenders. In

2014 over 75,000 votes were cast! The 11 category finalists

are automatically entered and the online voting is open to

the whole industry. What will happen in 2015?

VISA CONTACTLESS AWARDS

As a Platinum Sponsor of the Contactless & Mobile Awards,

Visa Europe has created two special awards under the name

of the Visa Contactless Awards. These awards are:

> BUSINESS LEADER OF THE YEAR

> VISA CONTACTLESS AWARD 2015

These special awards are presented during the Contactless &

Mobile Awards Gala dinner and the winners are selected by

a panel of judges at Visa Europe.

25

CATEGORY OVERVIEW

26 27

CONTACTLESS PAYMENT COLLABORATION

FINALISTS 2015

Vantiv (USA)“SECURE YOUR FUTURE TODAY” CAMPAIGN

Vantiv is a leading provider of payment processing services

and related technology solutions for merchants and financial

institutions of all sizes. The “Secure Your Future Today” cam-

paign launched by Vantiv and Verifone, is a huge benefit to

Vantiv’s clients. With consumer demand for Apple Pay set to

rise and the U.S. EMV liability shift coming in October 2015,

merchants have quite a short period to upgrade their termi-

nals. This collaboration provides smaller merchants using Van-

tiv’s processing services with an affordable terminal solution

that can expedite their ability to accept NFC-based payments.

Merchants also benefit by being able to differentiate them-

selves with an increased number of payment options.

Smartlink (Switzerland)SWISSONE MOBILE WALLET

Smartlink is a payment solutions provider, specialized in Mo-

bile Wallet applications. SwissOne will be an Android- and

iOS-based mobile wallet application. Using its own tokeniza-

tion service and HCE, the user will be able to make contactless

payments in-store and online using MasterPass. As a Master-

Pass reseller for Europe, the platform benefits from the latest

innovations from MasterCard: MasterPass will support the use

of NFC, QR codes and tags used at points of sale, in addition

to an online purchase feature. The solution works in accord-

ance with the unique FINMA license (Switzerland regulation)

and is PCI-DSS compliant.

Zapp (UK)ZAPP MOBILE PAYMENTS

Mobile payment provider Zapp’s app integrates with exist-

ing high street banking apps so that mobile payments come

directly from the consumer’s bank. It’s a new, fast and simple

way for consumers to pay using their mobile phones – online,

in-store or on the move. The “Pay with Zapp” button auto-

matically opens the consumer’s existing banking app allow-

ing them to securely log on and confirm the payment. Zapp

payments use tokenization to secure transactions, thereby

not revealing any of the sensitive data to retailers. This also

means that merchants do not need to store consumers’ card

details or incur the expense of PCI-DSS compliance with Zapp

transactions.

Getin Noble Bank (Poland)HCE MOBILE PAYMENTS

Getin Noble Bank, the sixth biggest bank in Poland, is carry-

ing out a mobile payment pilot based on HCE technology. The

cloud-based payments solution targets clients that have an

Android 4.4 or more recent version NFC-enabled smartphone.

The solution works within all mobile networks without the

need to change SIM cards. The cloud-based payments solu-

tion is available via the mobile Getin Bank app and a mobile

Visa payment card. In order to make transactions, it will be

necessary to log in and wave to pay with a smartphone. The

app also provides the facility for checking payment records

and managing payment cards.

01RETAIL

FINALISTS 2015

BitPay (USA)BITCOIN CHECKOUT APPLICATION

BitPay is the leading payment service provider (PSP) special-

izing in bitcoin which provides for instantaneous transactions

from anywhere in the world, with no risk of chargeback-relat-

ed fraud. BitPay has launched the Bitcoin Checkout applica-

tion – a POS app making it as easy as possible for retailers to

start accepting bitcoin payments from mobile devices using

NFC technology. Now available in 40+ languages, and includ-

ing features such as multi-employee checkout, tipping and

transaction history, Bitcoin Checkout offers significant savings

for merchants, because there are no transaction costs to pay.

Piper (USA)MCDONALD’S PIPER IBEACON CAMPAIGN

Piper is a proximity-based messaging platform that uses Blue-

tooth LE beacon technology to deliver hyper-local, timely, and

contextual information to app users. McDonald’s franchises

across the Southeast, USA are integrating beacon technology

powered by Piper™, to give customers a new and better din-

ing experience. By utilizing Piper’s beacon technology, which

is supported by the latest iOS and Android platforms, the fran-

chises can easily deliver coupon offers, timely alerts, employ-

ment opportunities and customer surveys right as customers

enter the establishments.

Dot Origin (UK)THE DTAG100 VARIBEACON

Dot Origin’s DTAG100 is a unique USB-connected device that

can be used to upgrade digital advertising screens, kiosks

and point-of-sale systems with both Bluetooth beacon and

NFC contactless technologies. The two technologies can be

used separately or together to enable a wide range of new

interactions between the consumer and the retailer, through

shop windows, while browsing in-store, and at the checkout.

It heralds the era of the ‘connected’ screen and kiosk, where

contactless technologies can fully integrate the mobile phone

with in-store systems, making the consumer retail experience

truly interactive and personal.

Sunoco (USA)SECURE PUMPPAY W/VNET

Sunoco’s retail business markets its brand of gasoline through

more than 5,000 retail outlets in the United States, includ-

ing more than 600 APlus convenience stores. Verifone’s inte-

gration of Secure PumpPAY with VNET-At the Pump enables

Sunoco to engage consumers at the pump with news, infor-

mation, and promotional content for in-store products. This

promotional content will help drive consumers from the pump

and into the store, where, during checkout, VNET-InStore’s

consumer-facing screens display real-time targeted offers and

upsell opportunities to the shopper, based on items they’re

purchasing at that moment.

02

28 29

TRANSPORTATION AND TICKETING

FINALISTS 2015

Nottingham City Council (UK)CITYCARD RETAIL NETWORK

Nottingham City Council is a local authority, whose Citycard

team has developed 3 new strands to make it easier and more

convenient to purchase and top up travel tickets in Notting-

ham. The council worked with Cammax to develop a touch

screen machine, which retails local ITSO travel products and

also allows collection of products purchased elsewhere. The

team has also developed functionality with Payzone so that

the local ITSO travel products can be purchased at over 140

local merchants in Nottingham. There are now over 20 on

street machines, with 65 more being installed over the next 3

months and over 140 Payzone outlets available to the travel-

ling public.

Oberthur Technologies (France)CITYGO CIPURSE™ T

Oberthur Technologies is a world leader in digital security

solutions for the mobility space. Their cityGo CIPURSE™ T is

a native product based on the “T- profile” of the CIPURSE

V2.R2 specification published by the OSPT Alliance, which is

fast, highly secure and cost effective. This product will allow

Public Transport Authorities or Operators to deploy an Au-

tomatic Fare Collection system based on an open standard

technology. Thanks to this product, interoperability between

urban transport networks will become a reality and cities will

be able to propose multi service cards to their citizens.

Transport for London (UK)CONTACTLESS PAYMENT CARD TRAVEL

Transport for London (TfL) is one of the largest strategic and

operational transport bodies in the world. London became

the first major city in the world accepting contactless payment

cards for travel. TfL pioneered solutions for customer servic-

ing, ‘card clash’ and revenue inspection whilst fundamentally

shifting fare calculation reliance from a ‘front-end’ card-read-

er to a back office system. Since introducing contactless, cus-

tomer take-up has grown steadily. Currently, about 450,000

contactless journeys are made every weekday. Across the pay-

ments industry, the “halo effect” of this success has led to a

boost in the acceptance of contactless.

Oti (Israel)WAVE DONGLE

Oti is a leader in contactless and NFC applications based on

its extensive patent and IP portfolio. The company’s innovative

and proprietary WAVE dongle solution adds NFC, contactless

payment, MIFARE and Calypso capabilities to existing iPhone

and Android mobile devices including tablets. Completely SIM

and handset-agnostic, WAVE offers mass-transit operators,

banks and MNOs a cost-effective, post-market mobile pay-

ment add-on option. With quick time-to-market and cost ef-

fective implementation, WAVE allows end-users that do not

have NFC enabled smart phones to enjoy NFC based mass-

transit services.

03INNOVATION

FINALISTS 2015

Vix Technology (Australia)VIX SMARTSITE® SYSTEM

As a global transportation solutions innovator and payment

software company with worldwide headquarters in Australia,

Vix Technology transforms the way people connect and com-

mute. The Vix SmartSite® system is a new intelligent remote

village solution, which Vix has developed based on proven

transit features supported by smart cards and contactless EMV

hardware. The Vix SmartSite® pilot system was first deployed

in early 2014 at a mining accommodation village in Gladstone

Queensland and provides access control, payment, check-in,

transit and operational capabilities.

Sing London (UK)TALKING STATUES

Sing London is a not-for-profit arts organization that produc-

es projects aimed at lifting the public spirit. If statues could

talk, what stories would they tell? Pass a Talking Statue, swipe

your phone on a nearby tag and….presto! Once the user has

swiped their phone on a clearly marked NFC tag or scanned

a QR code, they receive a sound-file disguised as a phone call

from the likes of Simon Callow as the Bard at the British Library

or Prunella Scales as Queen Victoria on Blackfriars Bridge.

Creating Revolutions (USA)TOUCH & DISCOVER

Creating Revolutions hope to help companies truly bring

NFC to the masses, by giving all companies the ability to of-

fer NFC applications and services on the majority of phones

today. Touch & Discover enables these phones to experience

the power of the “Touch Paradigm”: To initiate contact, users

place their phones against a disc, which contains a chip with

3 types of communication technologies. The discs also con-

tain “Quantum Security”, a way to create dynamic, NSA grade

point to point encryption, in close proximity communication,

with an infinite number of possible routings, every time the

phone is tapped.

Clear Channel (UK)CANCER RESEARCH CONTACTLESS DONATIONS

Clear Channel UK is one of the world’s leading out-of-home

advertising companies. In a world-first use of contactless tech-

nology, the British public was given the opportunity to donate

£2 to Cancer Research by tapping their contactless debit or

credit card on shop windows. A purpose-built digital screen

was installed by Clear Channel in Cancer Research shop win-

dows, with an embedded contactless payment device, which

worked through the glass. The innovative technology, which

was available from 30th January until 13th February, was in

place at Cancer Research stores in Kensington, Marylebone,

Brighton and Guildford, and was active 24-hours a day.

04

30 31

CUSTOMER EXPERIENCE

FINALISTS 2015

Richmond Events Management (UK)DOSH PREPAID CONTACTLESS CARD

Richmond Events Management is an independent, award win-

ning specialist events company. The DOSH Card design offers

award winning Digital Cash technology that allows the same

card to pay for event related items such as food, drinks or

merchandise. REM now offers customisable deployments al-

lowing event organisers to roll out their own event specific

digital cash system. The focus of deployment is to replace cash

thereby reducing fraud and criminal theft at events and fes-

tivals significantly. Deployments have already started in 2014

but are expected to increase in size as the UK spring and sum-

mer season begins in earnest.

Dundee Smart Travel Partnership (Scotland)SMART BURSARY TRAVEL TICKET

Dundee Smart Travel Partnership is a partnership between

local government, education and transport successfully de-

livering student bursary travel entitlement on the national

entitlement card. The solution initially offered as a pilot is a

new smart travel product added to the student’s National En-

titlement Card (NEC) rather than a separate card as an ex-

tension to the student bursary management process. There is

evidence that Smart Travel for students eligible for bursaries

leads to improved outcomes in relation to attendance, trans-

port modal shift and wider social inclusion benefits.

ING Bank Śląski (Poland)CONTACTLESS SERVICES

The principal objective of ING Bank Śląski, one of the larg-

est banks in Poland, is to strengthen its position in the Polish

banking sector by providing integrated financial services while

remaining a customer-oriented bank. Thus the introduction of

modern and safe contactless Visa cards, developing a useful

and functional Visa Sticker solution, launching an NFC card

with a mobile operator, implementing an e-commerce pay-

ment solution, building a wide network of contactless ATMs

and providing Visa Credit cards with a credit line. This multi-

channel orientation provides an extraordinary experience for

their customers.

PROVA Group, Inc. (USA)LEGIT POWERED BY PROVA USING NFC SMARTAG™

TECHNOLOGY

PROVA Group, Inc. is a mobile technology company pioneer-

ing the use of the proprietary SmarTag™ technology and a

cloud-based app/database in conjunction with smartphones

to protect consumers from counterfeit goods and to take the

customer-brand relationship to a new level of engagement.

PROVA’s patented solution addresses this by embedding a

SmarTag into an item at its source. The SmarTag is tied to a

secure cloud-based app/database that stores all the relevant

data about that item throughout its life. While many brands

“attach” an RFID or NFC tag to the outside of a product, no

one before now has embedded the tag inside the product at

the factory.

05LOYALTY

FINALISTS 2015

Matalan/Mobilize (UK)MATALAN REWARD CARD APP

Mobilize is the leading provider of mobile loyalty solutions

in the UK. Matalan’s mobile loyalty app ‘Reward Card app’

takes loyalty to the next level – fully digitising all aspects of

their loyalty scheme. Matalan is the first Tier 1 UK retailer to

offer a fully mobile-based loyalty scheme. To the customer,

the free Matalan Reward Card app is a neat, branded wallet

for the loyalty card, discount vouchers and Matalan related

information. The app is also seamlessly integrated with Mo-

bilize’s mobile loyalty platform, and Matalan’s EPOS system,

e-Commerce platform, CRM systems, and Single Customer

View system.

Advanced Card Systems (Hong Kong)e-PLUS TAP TO PAY

Advanced Card Systems Ltd. is one of the world’s leading

suppliers of smart card readers. ACS partnered with SM Prime

Holdings Inc., the largest shopping mall and retail operator

in the Philippines, to be its sole technology provider for the

e-PLUS Tap to Pay contactless solution. It is a loyalty, e-pay-

ment and automatic fare collection (AFC) solution that en-

hances the customer’s shopping experience and revolution-

izes their retail payment habits, enabling a shift from cash to

electronic payment. It is an important initial effort in modern-

izing the Philippines’s smart card infrastructure, and given the

system’s reach, has unparalleled potential to encourage NFC

adoption.

Pivo Wallet (Finland)PIVO WALLET

Pivo Wallet is a subsidiary of OP Financial Group, the mar-

ket leader for Finance services in Finland and provides mo-

bile loyalty and couponing services for Finnish retailers and

loyalty programs. This mobile application for a Finnish bank

features intuitive user guidance and is designed to be an eve-

ryday companion for mobile banking. For a quick overview, it

displays users’ account balances and spending in simple, easy-

to-understand graphs. The app can also learn spending habits

and display purchase patterns and actual places where the

money is spent.

S-Bank (Finland)S-MOBILE AND CONTACTLESS CARD

S-Bank Ltd is a financial institution in Finland that has a spe-

cial relationship with its customers. When buying goods and

services in the S-Group, customers earn bonuses, which are

paid monthly into their current accounts in S-Bank. With con-

tactless cards and S-Mobile service, customers are offered a

unified and integrated experience. To maximize the return on

bonuses, customers can choose to transfer bonuses automati-

cally to preselected mutual funds. Customers can also follow

the performance of their mutual funds and even make extra

subscriptions or redemptions with the same mobile service.

06

32 33

MARKETING CAMPAIGN

FINALISTS 2015

Tamoco (Germany, Austria, Switzerland)BMW NFC & QR PRINT CAMPAIGN IN “DER SPIEGEL”

MAGAZINE

Tamoco is a London-based leader in proximity technology and

analytics. In November 2014, German car manufacturer BMW

and technology startup Tamoco unveiled Europe’s first large

scale magazine ad campaign incorporating NFC tags into print

media, enabling the company to track and analyse engage-

ment response using its cloud-based platform. The four-page

advert for “BMW I” appeared in the latest edition of Ger-

man magazine “Spiegel Wissen: The car of tomorrow”, with

NFC functionality enabling readers to tap the page to instantly

download the BMW i app.

Blue Bite (USA)FIELD MUSEUM “1893 WORLD’S FAIR EXHIBIT”

MOBILE CAMPAIGN

Blue Bite is a leading mobile-marketing solutions provider

utilizing a targeted, location-based approach to reach cap-

tive audiences on their personal mobile devices. Blue Bite,

in collaboration with The Field Museum in Chicago and DDB

Worldwide created a physical-to-digital mobile experience

to promote the 1893 World’s Fair Exhibit using NFC, QR and

Augmented Reality. Consumers were encouraged to tap or

scan the posters and print media to launch a mobile app and

see the world through the eyes of the characters featured in

the impactful creative. There were a few hundred locations

deployed across Chicago which generated significant app

downloads and increased Museum attendance.

Alpha Bank (Greece)TAP ’N PAY CAMPAIGN

The Alpha Bank Group is one of the leading Groups of the

financial sector in Greece, with a strong presence in the Greek

and international banking market. Alpha Bank and Vodafone

in partnership with Visa Europe and First Data Hellas have

introduced Tap ´n Pay, the first mobile NFC application for

contactless payments in Greece. Communication to consum-

ers was focused on delivering a clear depiction of how con-

tactless transactions with the mobile phone are completed,

through a variety of different media. There has also been the

provision of dedicated customer service channels to answer

any questions raised during the launch.

Saatchi & Saatchi Zürich (Switzerland)TONY CARD CAMPAIGN

Saatchi & Saatchi Zürich is the Lovemarks Company for

360°communication which touches minds and hearts. The

first ever communication initiative launched and backed by the

different issuers, schemes and acquirers in Switzerland funded

a public national campaign to promote contactless payment.

The campaign “Contactless beats cash” features hero “Tony

Card” who encourages people with a smile. The campaign

took a three pronged approach; Awareness with TV commer-

cials with insights from real life, Edutainment through online

and direct marketing and Infomotion that is information at

point of sale giving instructions on how easy it is to pay in only

3 seconds and giving the last push at the moment of decision.

07UNATTENDED

FINALISTS 2015

Verifone (USA)SELF-SERVICE TRANSPORT TICKETING OPTIONS

IN POLAND

Verifone’s UX Series of unattended contactless payment devices

are used by more than 700 public transportation buses, trains

and stations in Poland’s major cities, which are now providing

passengers with self-service ticketing options. Passengers in

Krakow, Lodz and Poznan can purchase public transportation

tickets at unattended kiosks in transportation stations or while

in transit using contactless cards, NFC-equipped devices and

mobile wallets. Mera Systemy, a specialist in the design and

manufacture of automatic toll collection systems, developed

the system utilizing Verifone’s UX Series of devices, as well as

software from Wincor Nixdorf.

Zeven Media (UK)CONTACTLESS PHOTO BOOTH

Zeven Media design, manufacture social media photobooths

and install them at luxury nightlife hotspots including bars,

restaurants, and clubs. The Contactless Payment Photo Booth

works just like Zeven’s social media photo booth, complete

with instant online sharing and printing. Using the latest con-

tactless payment technology, guests & customers can pay for

a photo with their debit or credit card. Think of it as a futur-

istic coin-op photo booth. The booth is installed for free and

revenues are split with the venue.

PayRange (USA)BLUKEY DEVICE ENABLING MOBILE PAYMENT AT

UNATTENDED MACHINES

PayRange is the world’s simplest mobile payment solution for

vending, parking, transit ticketing, laundry, and amusement

allowing operators to upgrade legacy machines in minutes.

PayRange’s innovation solves the frustrating problems relat-

ed to the lack of cash on the part of the consumer, and ad-

dresses the lack of payment method flexibility on the part of

the machine operator. PayRange wants to reduce that waste,

increase profit, and offer consumers an easy way to pay and

walk away without frustration. BluKey enables mobile pay-

ments via closed loop data transfer.

Nayax (Israel)VPOS – COMPLETE INTERACTIVE CASHLESS PAYMENT

SOLUTION

Nayax is a leading solutions provider for the cashless, telem-

etry, management & BI unattended automated machine in-

dustry. Nayax’s VPOS device gives consumers the flexibility to

pay any way they choose. VPOS provides an all-in-one solu-

tion for magnetic swipe, contact, and contactless operations

for unattended automated machines. By integrating Nayax

solutions, operators around the globe see increased sales by

offering their customers multiple payment options, including

traditional methods like cash and credit/debit cards, but also

prepaid cards with the ability to add money to the card, mo-

bile payments, SMS payments, the new Nayax mobile wallet

called Monyx and more.

08

34 35

ECOSYSTEM

FINALISTS 2015

Arizona Department of Economic Security (USA)DISCRETE NUMERICAL ARCHITECTURE

The Arizona Department of Economic Security employs over

8000 employees charged with promoting the safety, well-

being and self-sufficiency of Arizonans. Discrete Numerical

Architecture (DNA) is a conceptual framework that allows

governments to convert existing assets to smart objects. The

methods for smart-object enablement include NFC microchip,

QR code graphic and/or hashtag/clutchtag textual markings,

each with its own globally unique identifier generated on or

off-line from the framework. The framework is manifest in

multiple software components allowing governments to pre-

pare openly and freely for contactless technologies including

IoT and human performance improvement systems. DNA is

believed to be the first government effort to use blockchain

technology for numerical architecture.

MSI Global (Singapore)CEPAS CONTACTLESS e-PURSE APPLICATION

MSI Global is the commercial division of the Singapore Land

Transport Authority. Its CEPAS Contactless e-Purse application

specification has been standardised in Singapore for an elec-

tronic money smart card for transport ticketing. CEPAS has

been deployed island-wide allowing multi-modal contactless

travel in the entire ecosystem. MSI Global has been instrumental

in the provision of contactless ticketing products based on the

CEPAS standard to all types of public transport in Singapore and

beyond. CEPAS cards allow usage for payment in transporta-

tion (bus, rail, taxis) for rides, retail payment, electronic parking

system for entry to car parks and road toll payment with endless

usage, as long as the multiple platform CEPAS is adopted.

Bell ID (The Netherlands)BELL ID® TOKEN SERVICE PROVIDER

Bell ID software loads and manages payment or identity cre-

dentials on mobile NFC devices. Bell ID® Token Service Provider

is an all-in-one platform hosting software components used

to enable Token Services in mobile payments: tokenization

management, lifecycle management, transaction manage-

ment and provisioning. Bell ID® Token Service Provider helps

in making payments more secure by reducing the value of the

credentials by replacing them by tokens. It enables organiza-

tions such as payment issuers and payment processors to per-

form the role of Token Service Provider as defined by EMVCo.

EMONEY GROUP (The Netherlands)iCEIBA “CONTACTLESS BRAIN IN THE CLOUD”

EMONEY Group is an international company that designs,

builds and operates smart programs through local ventures.

Their integration platform iCEIBA (Contactless Brain in the

Cloud) was built to connect isolated closed loop card net-

works, especially in public transport, with other networks/

cards/applications, and with any service providers. The plat-

form is designed to offer freedom of choice to end users, to

be technology agnostic, open and non-discriminatory and to

be as cost effective as possible.

09CONTACTLESS ID & SECURITY

FINALISTS 2015

HYPR Corp. (USA)HYPR-3 FACTOR AUTHENTICATION

HYPR Corp is a Silicon Alley based cybersecurity startup

working to eliminate fraud from the Internet of Things (IoT).

HYPR-3 is a small biometric fingerprint token that can be

adhered to a user’s mobile device or worn as a keychain.

HYPR-3 can communicate with any internet-ready Bluetooth

connected device, such as a smartphone or desktop and in-

tegrates with any future IoT node. The HYPR-3 solution is the

first firmware-to-cloud-tokenization scheme of its kind and

will be the authentication solution for the mobile commerce,

enterprise security, and IoT security markets.

Giesecke & Devrient (Germany)G&D DYNAMIC CARD SOLUTION

Giesecke & Devrient is a leading international technology pro-

vider headquartered in Munich, Germany. CSC Dynamic Card

is a flexible and secure payment solution with loyalty manage-

ment features for merchants and card issuers. This solution

does not require complex and expensive infrastructure like

TSM-based or HCE-based NFC payment, and provides higher

security than the alternative mobile proximity methods intro-

duced by service providers. CSC Dynamic Card can be inte-

grated into merchants´ existing card-based systems, allowing

additional payment channels to backend accounts. It can be

used for P2P as well as user-terminal scenarios with unified

processes.

Airside Mobile (USA)MOBILE PASSPORT APP

Airside Mobile specialises in using mobile digital ID technol-

ogy to make travel easier. Operational since August 2014, the

Mobile Passport app enables travelers to submit their passport

and customs declarations information via smartphone imme-

diately prior to entering the immigration control area of an air-

port. Travelers set up their “Mobile Passports” on their device

by entering their data into an encrypted section of the app.

Travelers can bypass the queues for traditional passport con-

trol and customs processes by accessing a special line for Mo-

bile Passport Control. CBP Officers authenticate their digital

receipts with specially configured barcode readers. The highly

secure process is 5x faster than the traditional process and ap-

proximately 50x cheaper than smart kiosk solutions.

ecsec GmbH (Germany)SKIDENTITY – MOBILE EID AS A SERVICE

ecsec GmbH is a specialized vendor of innovative solutions

in the sector of security in information and communication

technology, security management, smart card technology,

identity management, web security and electronic signature

technology. While it has been very hard or even impossible to

use existing eID cards in mobile environments, ecsec’s innova-

tive SkIDentity service demonstrates that it is easy to use eID

with arbitrary smart phones in mobile applications. SkIDentity

derives secure mobile “Cloud Identities” from any standard

compliant eID card and to purchase electronic identification

and strong authentication in the form of a trustworthy and

easy to use cloud computing service.

10

36 37

GAMECHANGER

FINALISTS 2015

Transaxiom (UK) CASHAID CONTACTLESS SMART CARD

TransaXiom Ltd is an independent UK based supplier of Digital

Cash solutions. Their CashAid card is a contactless smart card

designed to be a digital replacement for traditional cash in aid

distribution by charities and NGOs. Charity workers will issue

the CashAid card to chosen beneficiaries either as a physical

card or a wearable bracelet. Beneficiaries will be shown how

to use the system, which has deliberately been kept to a sim-

ple ‘tap and pay’ operation. For the first time in the history of

donating, major donors will have their own virtual currency

such that they may track where, how and when their dona-

tions are utilised.

Zwipe AS Norway (Norway)BIOMETRIC PAYMENT CARD

Zwipe challenged the status quo of identity verification by

replacing PINs and passwords with fingerprint authentication

integrated in a contactless card. The Zwipe MasterCard pay-

ment card is a real gamechanger. It is the world’s first finger-

print authenticated contactless payment card. It includes an

integrated biometric sensor and the Zwipe secure biometric

authentication technology that holds the cardholder’s biom-

etric data. It contains an EMV certified secure element and

MasterCard’s contactless application. The launch of the card

comes after a successful live pilot with Norway’s Sparebanken

DIN as an answer to the complex challenge of providing a

fast, convenient payment solution that does not compromise

on security.

Signatur Ltd. (Ireland)SIGNATUR VAULT FOR CRYPTOCURRENCIES

AND CRYPTOASSETS

Signatur is a start-up developing state of the art security and

financial solutions using Bitcoin and blockchain technology.

Their Signatur Vault is an NFC hardware cold storage for cryp-

tocurrencies (such as Bitcoin) and cryptoassets. It provides a

secure way to store them safely offline for a long period of

time. This requires a very strong, cryptographically sound key-

pair generation process and reliable long-term data retention

capability. On top of providing what is the best long-term

storage for Bitcoin, Signatur pushed the ease of use to its lim-

its by making the features of the Vault available by a simple

tap of an NFC-enabled phone or tablet.

Cubic & Transport for London (UK)CONTACTLESS BANK CARD PAYMENT ON LONDON

PUBLIC TRANSPORT NETWORK

Cubic Transportation Systems is a leading integrator of pay-

ment and information solutions and related services for intel-

ligent travel applications. TfL is one of the largest strategic

and operational transport bodies in the world. Cubic technol-

ogy enabled TfL to introduce a new way of letting customers

pay for their travel. After upgrading more than 20,000 physi-

cal assets, including gates and readers, over a period of 18

months, passengers could start paying for their travel using

their contactless payment cards on the entire estate. As a

result, customers no longer need to worry about topping up

their Oyster cards at busy stations or kiosks, and can instead

pay for their travel using their contactless enabled bankcards.

The work put into understanding and overcoming the chal-

lenges presented by introducing an innovative new payment

method, has formed a model that can be replicated by trans-

port operators and authorities worldwide.

11NOTES

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Next Stop: Open standardYour ticket to successful multi-application

Find out more: www.infineon.com/cipurse

Live Demo – Experience CIPURSE™ at Open Standards Forum 2015

E: info-emea@Verifone.com

@Verifone_EMEA

www.facebook.com/Verifone

To fi nd out more, visit lp.verifone.com/emea/tapandgo/

TAP AND GO IS THE WAY TO GO.Visa Europe recently reported that over the past year European contactless transactions have nearly tripled and payment terminal deployments have doubled. Don’t get left behind. If you still can’t accept contactless cards at the point of sale – you need to. With NFC and mobile wallet based initiatives such as Apple Pay on the horizon, being contactless-capable now means you’ll be future-proofed.

With millions of contactless/NFC-enabled payment devices already installed globally, you can trust Verifone to solve your payments challenge.

Let’s talk.

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