Payment Solutions

Mr. Marcelo Bellini Garcia
Vice President Sales Payment Americas
Morpho Thank you for joining us today, Marcelo. Before discussing Morpho solutions in greater detail and the upcoming Cartes America please tell us about your background.

Marcelo Bellini Garcia: I graduated as Mechanical Engineer at University of Sao Paulo, Brazil. I then went on to complete my MBA in Marketing from FGV in Sao Paulo. I have been with Morpho (Safran) for the past seventeen (17) years, where I have held various roles: I was the Vice President Sales Payment Americas, where I was able to improve, create and take Morpho to the EMV leadership in this region, and then promoted to Managing Director of Morpho Cards Colombia, where I was able to successfully accomplish the EMV migration of the Andean region, also with Morpho as technology leader in this segment. Another accomplishment that I am very proud of is being elected as the first Chairman of the Smart Card Alliance Latin América. As Chairman I led the migration to adopt EMV technologies in most of the Latin American countries. In my current role as Vice President of Sales for Payment in North America, I will again focus primarily on the adoption and deployment of the fast moving EMV technology. I am confident that it will be adopted quickly and a global leader in EMV technology and solutions, I am confident of our success. May we have an overview of Morpho solutions and are there any new solutions being introduced at Cartes America this year?

Marcelo Bellini Garcia: Certainly, Morpho is a global leader in security solutions, employing more than 8,400 people in 40 countries, and generating annual revenues of €1.5 billion. Our unique expertise lies in providing cutting edge technologies for a wide range of markets and applications. Morpho provides complete biometric systems such as fingerprint, iris and facial recognition, covering the full value chain of identity management. We contribute to public security through identification systems, explosive and trace detection systems and road safety solutions. Our company also serves banking and telecom markets through secure elements and digital authentication technologies for smarter transactions and payments. With integrated systems operating in more than 100 countries, our solutions secure and simplify the lives of people around the world.

As a leading player in the payment business, we offer financial institutions a complete and innovative portfolio of solutions ranging from classic chip card technologies, cutting-edge mobile payment and TSM services to innovative online payment security, eID and leading biometric identification and authentication solutions. At Cartes America 2015 we will focus on pioneering products and solutions for the following application and business areas:
- EMV migration
- Biometrics technology applied to payment applications both for identification and authentication such as the Match-On-Card (featuring biometric authentication performed by the EMV card) and on-device authentication
- Mobile payment, such as Trusted Service Management and Host Card Emulation
- eTIS (eTrusted Identity Services) – trust platforms that manage digital identity services securely and reliably

In addition, we will have some exciting demonstrations such as a biometric ATM and biometric POS that showcase our strengths in biometrics, security and payment. I encourage you to stop by our Booth 331 during the show to experience them first hand. More

Mr. Sami Nassar
Vice President
Cyber Security Solutions at NXP Semiconductors Thank you for joining us today, Sami.  Before discussing NXP solutions in greater detail please tell us about your background.

Sami Nassar: I have been in the high-tech industry for over 20 years.  In my current role as Vice President and General Manager at NXP Semicductors, I manage NXP’s cyber security solutions portfolio, which delivers security in devices for the Internet-of-Things, system integrity for industrial networks and privacy for consumers using NXP advanced security technology. Secure element ICs are a key product line at NXP and are a cornerstone to chip and pin/EMV bank cards, government IDs/passports and more recently in mobile payments. We understand NXP is closely involved with the FIDO Alliance. Please tell us about FIDO’s mission and NXP’s participation.

Sami Nassar: FIDO's mission is to create a protocol to support an interoperable ecosystem of vendors that develop and deliver products, services and solutions that enable users to use the same “key” across multiple cloud services and devices. Today, reliance on Internet services increases as people move from using the Internet to browse websites to using the Internet for gathering, storing, accessing, and sharing digital information. As the Internet continues to permeate our daily lives and more and more devices connect to the Internet, we need to ensure these devices are protected. 
NXP engaged with FIDO since its inception, starting with the concept of replacing the Username/Password Authentication with Strong Authentication. Originally this concept was created to help Google resolve enterprise security issues, but as work progressed, we realized this solution would be of high interest to the consumer. The idea was to anonymize an Internet user via their physical possession and therefore protect their digital identity.  Security technology, like the secure element IC from NXP, plays a key role in enabling Strong Authentication which links the virtual or Internet world with a physical asset while maintaining privacy. Please give us an overview of NXP’s security solutions?

Sami Nassar: For the past 20 years, NXP, and previously Philips, developed security chips, which today are called secure elements. These security chips embody defenses against different types of hacks. They are built as independent units that can be integrated in a variety of applications or systems. Our focus is on developing a solution that provides customers, who do not have in-depth knowledge on security, the ability to integrate a secure element without having to hire an entire team to do so.  We started by creating a building block. This building block creates a unique, non-clonable feature that can prove its authenticity at any time. This feature was initially found of great value to banking cards, which clearly shouldn’t be replicated, cloned or faked. This building block then moved into other applications like IDs and passports and more recently into mobile payments. We view this same building block as an essential element in a networked environment where you need to know exactly who or what you are talking to. Proving authenticity is enough, without having to provide the details of the identity of the authentic end point. Now, you can have different widgets in a network that are able to assert their authenticity and role in the network without saying who is the owner and therefore also maintaining privacy of that owner.  

For example with the smart grid you have to make sure all meters are authentic and provide the right information. Today with the use of green energy like solar or wind power, a system needs to be dynamic to compensate for changes like a large cloud or lack of wind so it can continue to aggregate data and manage the flow of energy between transformers. A compromised meter can interrupt the flow of energy and potentially blow up a transformer – if you blow up enough transformers you can end up with a city in the dark. So the integrity of a meter in a system is very important. This can happen with any command and control network like an oil field, nuclear power plant, and so on.  More


Mr. Daniel Almenara
Vice President of Risk Management
Discover Financial Services

Information security risks for financial institutions have increased and are continuing to increase. Factors include the proliferation of new technologies, the use of the internet and telecommunications technologies to conduct financial transactions, and the increased sophistication and activities of activists, hackers and organized criminals. Security is a top priority for Discover and the FIDO Alliance. Both are working to make online interactions easier and more secure. At Discover, we monitor our customers’ accounts to prevent, detect, investigate and resolve fraud.  We also look to our work with the FIDO Alliance to help inform our authentication techniques and strategies. Our fraud prevention systems handle the authorization of Discover’s application information, verification of our customers’ identities, sales, processing of convenience and balance transfer checks and electronic transactions. Each and every card transaction is subject to screening, authorization and approval through a proprietary POS decision system. Discover uses a variety of techniques that help identify and halt fraudulent transactions, including adaptive models, rules-based decision-making logic, report analysis, data integrity checks and manual account reviews.  We manage accounts identified by the fraud detection system through technology that integrates fraud prevention and customer service. These strategies are subject to regular reviews and enhancements to enable us to respond quickly to changing conditions, as well as to protect our customers and our business from emerging fraud activity.  More

Mr. Philippe Benitez
VP of Marketing & Business Development
Gemalto, Inc Thanks for taking the time to talk with us today. Can you give us a little background about your role at Gemalto to start things off?

Philippe Benitez: Certainly. I am focusing on next-generation payment solutions in North America. Specifically, I am working on EMV migration in the US – the migration from magnetic strip cards to chip-and-pin cards, and on mobile payment solutions. While you focus on payment solutions, Gemalto offers products and services in several different markets – including Telecommunications, Financial Services and Retail, Government and Transport. Can you give us a brief understanding of how Gemalto serves all these different markets?

Philippe Benitez: Gemalto works with its customers across all business units at a fundamental level – the digital security level.  We focus on helping banks, telecom operators, governments and corporations provide better, more convenient and secure services to their customers. In Telecommunications, for example, we provide SIM cards as well as the remote administration Over the Air (OTA) infrastructure that enables mobile subscribers to surf, make calls and pay securely from their cell phone. In the government space, we work with the Department of Defense to provide secure access to buildings and computer networks with the common access card (CAC Card). We also manufacture the new e-Passports. Any citizen that has requested a passport in the last few years has received a document that contains a microprocessor chip, which speeds entry into the US and prevents forgery of passports. For banks, the area that I focus on, we provide EMV payment cards, which use a secure chip, and the personalization and fulfillment services to get the cards into user’s hands. Gemalto also offers NFC mobile payments services, and the technology to secure access to e-banking sites. We are a trusted partner to all of our customers who rely on us to facilitate the digital transactions consumers perform every day. More

Mr. Michael Foye
VP Sales & New Business Development
Mastercard RPPS Thank you for joining us today, Mike. Please give us an overview of your background and your role at MasterCard.

Michael Foye: I’m primarily responsible for the development and delivery of MasterCard RPPS solutions to financial and recurring-bill-payment institutions, matching our extensive electronic bill-payment capabilities and services to the specific needs of our customers.

I have more than 27 years of experience in the fields of financial transaction processing and financial software—the last 10 years at MasterCard, where I first worked with the MasterCard® Debit Switch before joining the MasterCard RPPS team.

Prior to MasterCard, I held various management positions in financial services, debit card networking, customer service, and software support organizations, and I earned a B.S. degree in management information systems from the University of Wisconsin in Milwaukee.  We understand you’ll be speaking at NACHA’s upcoming Payments 2008 conference. May we have an overview of your topic, “Matching Processing Power with Consumer Demand”?

Michael Foye: I’m very pleased to be speaking with Western Union at the NACHA conference regarding consumer demand for streamlined, almost instantaneous payment processing. Whether it be online bill pay, credit and debit card transactions both online and at the POS, or automatic recurring payments, consumer demand for this type of payment processing is at an all-time high. Our session will examine the successful relationship between payment-processing vendors, related payment networks, and direct billers in streamlining electronic payments processing. We’ll discuss the evaluation, implementation, and execution phases, and we’ll supply real-world examples from the banking and insurance industries, demonstrating some of the challenges in electronic payments processing and the solutions we’ve devised to address them. We’ll focus on a number of topics that we think our audience will find particularly interesting—such as avoiding exceptions in processing, eliminating redundancy in customer records and reporting, increasing the speed of payment delivery, and decreasing the costs associated with processing electronic payments. Given the consumer demand, we want to help our audience to move traditional check payments to the electronic platform, thereby increasing speed of payment and improving the protection of consumer information. We’ll be talking about how the electronic model streamlines and expedites bill payment, enhancing not only speed, but accuracy and security as well. More

Director, Risk Management
EMC Thank you for joining us today, Jeff. Please give us an overview of your background and your role at EMC.

Jeff Bardin: My current role is Director, Risk Management in the Global Security Organization at EMC, where I have responsibility for business resiliency, security awareness, policy, risk management, security testing, threat and vulnerability management, identity and access assurance, and more. Since joining EMC last fall, I have been charged with honing business risk management and ensuring the durability of EMC’s operations during times of outage or potential disaster; refining the ability to minimize business risk; and maximizing the return on investment while driving business opportunities and competitive advantage.  More