Wednesday, 10 August 2011

Heartland Launches Mobuyle

Heartland Payment Systems, launches Mobuyle (pronounced MO-buy-uhl), a comprehensive mobile solution that enables merchants to accept credit, debit and gift card payments through their smartphones or mobile devices. Mobuyle is the first mobile application fully designed and developed by a major payments processor, providing business owners the most comprehensive processing capabilities of any mobile payment application currently on the market.

The solution enables merchants to accept all major cards via secure card swipe or manual entry. It features electronic signature capture, GPS location capture, merchandise picture storage, and voice authorisation capabilities, and enables merchants to accept card payments even if they are out of range for cellular coverage or WiFi access with Store and Forward (SAF) functionality.

"We are excited to roll out this full-featured, user-friendly mobile processing solution and provide retailers functionality and conveniences that other applications are lacking," said Steve Elefant, Heartland's chief information officer. "Many providers are taking a one-size-fits-all approach when it comes to mobile processing, which doesn't serve business owners with the optimal technology solution for their businesses and ends up costing merchants substantially more in processing fees".

All sensitive information is encrypted with Advanced Encryption Standard (AES) before it leaves the reader, protecting data in transit and never storing cardholder data on the device. Mobuyle also adds another layer of security by using unique encryption keys to protect data with Derived Unique Key Per Transaction (DUKPT) key management. Additionally, all communications from the phone to the POS gateway are secured using 128-bit Secure Socket Layer (SSL) encryption. After the transaction is complete, merchants can conveniently email receipts to their customers. They can also access comprehensive processing reports on their smartphones or mobile devices or through the Heartland Merchant Centre.

Mobuyle's first application is designed for retail environments and currently serves Android smartphones. Heartland will begin releasing applications for other smartphones and mobile devices, including the iPhone, the iPad and iPod Touch, and other verticals, including restaurants, later this year.

Personal Details of 20,000 People Exposed by Hampshire Pupil

Bay House School in Hampshire breached the Data Protection Act after the personal details of nearly 20,000 individuals, including some 7,600 pupils, were put at risk during a hacking attack on its website.

The hack - which happened in March and involved one of the school's pupils - exposed pupils' names, addresses, photographs and some sensitive information relating to their medical history. Personal information relating to the pupils' parents and teachers was also compromised during the breach. The problem was identified shortly after the hack occurred and the security of the website was immediately restored. The school reported the breach to the ICO on 17 March.

The ICO's investigation uncovered that the security of the school website had been compromised by a member of staff who had used the same password to access both the school's website and data management systems. This password was subsequently discovered during the original hacking incident and then used by a pupil to access other parts of the system. The school had advised staff to avoid the use of duplicate passwords; however, no checks were in place to make sure this policy was being followed.

Ian Potter, Head Teacher of Bay House School, has now signed an undertaking to ensure that all reasonable measures are taken to encrypt and separate sensitive and confidential information held on the school's management system. The school will make sure that all of their staff understands the school's guidance on the use of passwords. The school's website will also be regularly tested to ensure that the personal information they hold remains secure.

Retail Decisions Announce Board Change

Retail Decisions (ReD) a payment fraud prevention and payment processing company, has announced changes to its Board which will see Carl Clump become Group Chairman and Paul Stanley appointed Chief Executive Officer.

Paul Stanley joins as CEO from 1st August. Paul joins from First Data International, where he last served as Managing Director and Senior Vice President of its financial services business for the EMEA regions. Paul brings to ReD a long-standing track record as an executive and entrepreneur in payments businesses globally.

After over eleven years as CEO, guiding ReD through a period of sustained growth internationally, Carl Clump takes on the role of Group Chairman. Amongst Carl's responsibilities will be further developing the Asia Pacific market.

Carl Clump, Group Chairman of ReD, said: "It has been an honour to serve as CEO and I look forward to my new role as Group Chairman and wish Paul Stanley every success for the future."

Visa Plans to Accelerate Chip Migration and Adoption of Mobile Payments in USA

Visa Inc. announces plans to accelerate the migration to EMV contact and contactless chip technology in the United States. The adoption of dual-interface chip technology will help prepare the U.S. payment infrastructure for the arrival of NFC-based mobile payments by building the necessary infrastructure to accept and process chip transactions that support either a signature or PIN at the point of sale.

"By encouraging investments in EMV contact and contactless chip technology, we will speed up the adoption of mobile payments as well as improve international interoperability and security," said Jim McCarthy, global head of product, Visa Inc. "As NFC mobile payments and other chip-based emerging technologies are poised to take off in the coming years, we are taking steps today to create a commercial framework that will support growth opportunities and create value for all participants in the payment chain."

Not only will chip technology accelerate mobile innovations, it is also expected to secure payments into the future through the use of dynamic authentication. Chip technology greatly reduces a criminal's ability to use stolen payment card data by introducing dynamic values for each transaction. Even if payment card data is compromised, a counterfeit card would be unusable at the point of sale without the presence of the card's unique elements. By reducing static authentication, we diminish the value of stolen cardholder data, benefiting all stakeholders.

Games Sensor Bar Adapted for Movement Control of Banknote Processing Machines

Giesecke & Devrient (G&D) invited eight of the 28 finalists in the German National Computer Science Competition (BWINF) to company headquarters in Munich for the Action Week. In the record time of just four days the young IT specialists reprogrammed components from a commercially available games console to operate G&D banknote processing systems by voice or movement. On the final day, Dr. Karsten Ottenberg, Chairman of the Management Board of G&D, had lots of fun testing the new development using different gestures. Even the fastest machine, with a processing speed of 40 banknotes per second, not only responded to his movements but also followed his voice commands.

All the components - the camera and microphone for capturing and processing the audio-visual signals, and the control software - were ready on time for the test run. Defined gestures or voice commands were then used to open and close the processing unit's protective cover, to start banknote separation, and to stop the machine. The demonstration given by the invited finalists, aged between 18 and 20, clearly impressed G&D CEO Ottenberg: "Again and again I am amazed at how passionately and creatively the talented young IT experts approach their tasks".

G&D is regularly involved in the "IT-Hochburg Deutschland" sponsorship program organized by the German Ministry of Education and Research, which aims to develop young IT talent. The company sponsors participants in the final round. During the Action Week it provides a professional environment in which invited finalists can experience the excitement to be found in various fields relating to the IT sector.

Mobile Security Software Revenues to Increase Six Fold to $3.7bn by 2016

The market for security software to protect mobile devices including tablets, smartphones and feature phones will reach almost $3.7 billion by 2016 according to a new report by Juniper Research. By that date enterprise and business sales will account for almost 69% of the market.

The presence of security software has been a common practice in the PC and laptop sector for many years, but not so in the mobile device arena. The recent series of high-profile security alerts, including Britain's 'News of the World' hacking scandal, has heightened the public's awareness of the vulnerability of mobile devices.

Juniper's new Mobile Security research found that businesses are now beginning to spend more on mobile device security applications as they become a critical part of enterprise policy.

"Enterprise users are in the front line against potential security breaches through insufficient mobile security and companies need to incorporate mobile network connected devices into the corporate network since this is the easiest way to enforce policies and to audit such devices" says report author Nitin Bhas.

The report also found that as more tablets are brought into the enterprise over the next five years, the proportion of tablets featuring security products will also increase and overtake the percentage of smartphones protected.

Currently less than 1 in 20 smartphones and tablets have third party security software installed in them, despite a steady increase in threats

For the full report go to:

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