1、Asia/Pacic Europe MEA Canada U.S. Latin America Shipments of POS Terminals by Region2012 (Million) 8.3 0.2 1.9 3.6 4.5 1.7 Europe MEA Canada U.S. Latin America 2013 The Nilson Report Asia/PacicINSIDE: Fast Facts P 2-4 | a merican express Joint V enture For Business t ra Vel P 5 CHARTS:pos t erminal
2、shipments worldwide 2012 P 8 | pos t erminal shipments By region 2012 P 9 l argest a sia/ paci Fic c redit and deBit card issuers P 10 | l argest asia /paci Fic general purpose/Visa/ masterc ard issuers 2012 P 11 Pro Posed s tandards for Mobile & o nline Pay Ments Using smartphones and tablets as PO
3、S terminals is rapidly becoming a global reality. They benefit the status quo by greatly expanding the merchant acceptance network without requiring Pos t er Minal s hi PMents World Wide Manufacturers of payment card authorization terminals shipped 20.1 million units worldwide in 2012, up 15.9% from
4、 the prior year. These terminals have integrated chip and/or magnetic-stripe card readers. They can be used independently or are connected to electronic cash registers (ECRs). The 20.1 million figure does not include smartphones, tablets, peripheral PIN pads, ECRs, and PC-based systems or unattended
5、 kiosks. Asia/Pacific continued as the largest region for POS terminals. It received a total of 8.3 million terminals in 2012, up 27.7%. This was an increase of 1,794,068 units. Its market share of total global shipments grew to 41.14% from 37.33%. t o P c ard issuers in a sia/Pacific The 50 largest
6、 payment card issuers in the Asia/Pacific region generated purchase volume of $3.872 trillion in 2012. This spending at merchants included credit, debit, and prepaid cards, c aix a b ank & Global Pay Ments JV in b razil Spains CaixaBank has formed a second 50%-50% joint venture for merchant acquirin
7、g with Global Payments. The partners have been working together in Spain since 2010. The new business is Western u nions n Go Gl obalPay Nongovernmental organizations (NGO) regularly send funds to employees, disaster victims, and volunteers across national borders for day-to-day expenses and emergen
8、cy relief. For e x Perian to a c quire 41 stPara Meter Experian will pay $324 million to acquire 41 stParameter, a company that offers merchants and card issuers products that help authenticate mobile and desktop devices involved in payments, h eartland i n Vests $20 Million in t ablet c o MMerce He
9、artland Payment Systems, the sixth largest U.S. merchant acquirer, has made a $20 million equity investment in Leaf, a provider of tablet-based mobile commerce services to merchants fico and ern Partnershi P FICO, best known for predictive, analytic-based scores that measure the risk associated with
10、 extending credit to consumers as well as for detecting payment card fraud, wants to offer its For 43 years, the leading publication covering payment systems worldwide. HSN Consultants Inc. 2013 THE NILSON REPORT Reproducing or allowing reproduction or dissemination of any portion of this newsletter
11、 in any manner for any purpose is a copyright violation subject to substantial fines. Yearly Subscription for 23 print and electronic issues is $1,495. ISSN 1087-8718 THE NILSON REPORT: 1110 Eugenia Place, Suite 100, Carpinteria, CA 93013 USA PHONE (805) 684-8800 FAX (805) 684-8825 . turn to page 1
12、2 OCTOBER 2013 Issue 1,027turn to page 8 . turn to page 10 . turn to page 6 . turn to page 5 . turn to page 7 . turn to page 6 . turn to page 7CARDSPRING CONNECT is a white-label platform that lets financial institutions and ISOs bring pay-for-performance marketing and analytics to local retailers t
13、hrough a self-serve interface. Merchants are given tools they can use to connect with their customers through card-linked services from online or mobile companies through the CardSpring app store, create their own card-linked promotions, and connect their promotions to in- store purchases. Eckart Wa
14、lther is CEO, (650) 868-6565, eckart , . REGIONS BANK has expanded its selection of collegiate-branded debit cards with a new Auburn University Regions Visa CheckCard. Tom Brooks is Head of Cards and Payments at Regions, (205) 264-4236, , . NOMIS SOLUTIONS and OLIVER WYMAN, a management consulting f
15、irm, have formed a partnership. Oliver Wyman will offer clients in the U.S. and Canada Nomis Solutions pricing analytics and software tools as well as access to Nomis personnel. The firms also expect to develop new products and services. Franke Rohde is CEO at Nomis Solutions, (650) 588-9800, frank.
16、rohdenomissolutions. com, . Aaron Fine is Partner, Retail and Business Banking at Oliver Wyman, (646) 364-8442, aaron.fine , . THE NILSON REPORT NUMBER 1027 October 2013 - 1 - SECUREBUY now offers technology to improve the 3-D Secure payer authentication process for merchants. Its 3DS Decision Engin
17、e gives merchants the ability to accept or reject transactions when the cardholders bank wont take on the liability. If 3DS Decision detects the liability shift will not occur, the consumer can be prompted to present another card. 3-D Secure authentication could then be applied to the new card. Greg
18、 Wooten is CEO, (408) 478-9760, gw , . BELL ID has posted a hypothetical case study supporting a banks use of a hosted, cloud-based Secure Element for NFC payment programs. The study is available at http:/ PRIMAX, a provider of programs, products, and services to credit and debit card issuers and me
19、rchant acquirers, has added a cash-back rewards program for use by credit card issuers. Ted Keith is CEO at Primax, (781) 756-8230, , . CAUSEPLAY delivers digitally embedded DRM (digital rights management) protected coupons to mobile handsets and tablets. The company pairs each coupon to a specific
20、mobile user, which protects against coupon fraud. Scott Loyola is CMO, (818) 564-5425, scottcause-, www.cause-. MERCHANTPLUS, an independent sales organization for Wells Fargo Bank, will integrate Spindles mobile payment service into its NaviGate processing gateway. When completed, MerchantPlus will
21、 be able to accommodate real-time merchant application decision- ing, processing, and boarding functions. Zachary Smith is Founder at MerchantPlus, (212) 812-4177 x2110, , . John Tharpe is SVP of Mobile Payment Strategy and Business Development at Spindle, (214) 705-3807, , . 4TH MOBILE PAYMENT CHIN
22、A 2013 Two-Day Conference November 7-8, 2013 The Ramada Plaza Pudong Shanghai, China Topics include: exploring the cooperation model for financial innovations in mobile payments, how to make use of internal and external resources to improve and broaden mobile payment services, shopping without bankc
23、ards the commercial banks new try in mobile payment coupled with a series of more efficient and convenient mobile payment services, how to take advantage of financial and information resources to perfect the 3rd-party payment companys mobile payment business, understanding the prospective strategy t
24、o deliver a comprehensive mobile payment solution and its influence on customer loyalty, and NFC solution: the catalyst to the mass commercialization of mobile payment. Speakers represent: China UnionPay, China Telecom BestPay, Mobile Pay, Bank of Communications, VeriFone, NXP , PayEgis, Maverick Ch
25、ina Research, and more. Cost is $1,720 (1,295). Contact Grace Zhu at IGVision International, 86 (21) 5180-9476, . Register at . FEATURED CONFERENCE 20% Conference links at Subscribers to The Nilson Report will receive a 20% discount. (Use code NR13.) MOBILE MONEY GLOBAL 2013 Three-Day Conference No
26、vember 5-7, 2013 The Dubai World Trade Centre Dubai, UAE Topics include: enterprise mobile money, evolving the mwallet, adding vas to your mwallet: are they worth the effort?, banking the unbanked: can it be profitable?, maximizing profit in mobile money, mobile money value propositions that work: w
27、orkshop & case studies. Speakers represent: ALSHOP .com, Ooredo, Airtel Money Africa, Millicom, Orange Jordan, Bankinter, Gulf Bank, Abu Dhabi Commercial Bank, Middle East Council of Shopping Centres, and more. Cost is $3,035 (1,949) full price and $1,168 (750) for banks, MNOs, & MFIs. Retailers get
28、 a free pass. Contact Charlotte Walkling at Clarion Events, 44 (207) 384-7919, charlotte.walkling . Register at www.mobile-money- FEATURED CONFERENCE 20% Conference links at Subscribers to The Nilson Report will receive a 20% discount. (Use code NILSON.) Fast Facts 2 octo Ber 2013 issue 1,027 the
29、nilson report If you are being forwarded a copy of this report, you are not an authorized user and must delete the report immediately. Your obtaining an unauthorized copy may violate the intellectual property rights of HSN Consultants, Inc. d/b/a The Nilson Report. The right to possess digital versi
30、ons of this report is granted solely to the individual subscriber.TRANSACTION NETWORK SERVICES and AJB SOFT- WARE now offer TNSPay Direct, a managed service that gives merchants access to the AJB retail transaction switch. All process- ing occurs in TNSs service payment network. David Cronin is SVP
31、at TNSs Payment Div., (703) 453-8300, , . Pat Polillo is VP Sales and Marketing at AJB, (905) 282-1877, , . ANYWHERECOMMERCE has received U.S. Patent No. 8,534,554, which covers mobile encryption technology. Previously the company received patents for its audio-jack technology, which enables smartph
32、ones and tablets to serve as mobile point-of-sale terminals. Mitchell Cobrin is CEO, (514) 940-0155 x103, , . MERACORD, a payment processor with debt-settlement company clients, has been fined $1.4 million by the Consumer Financial Protection Bureau. Debt-settlement companies offer to help con- sume
33、rs reduce or eliminate credit card or other debit by negotiat- ing settlements with creditors. The CFPB charges that Meracord violated the Telemarketing Sales Rule by processing more than $11 million in consumer payments that were retained by debt-settle- ment companies instead of being used first t
34、o settle debt. TRISOURCE SOLUTIONS, a provider of electronic transaction processing to ISOs, as well as being owner of card processing contracts, will offer over 22,000 merchants Tranzlogics transactional data analytics platform. That technology lets merchants use card data to identify and retain th
35、eir best customers based on demo- graphic and other patterns. Mike Cottrell is SVP at TriSource, (480) 986-4666, , . Charles Hogan is CEO at Tranzlogic, (818) 926-4608, , . TSYS ACQUIRING SOLUTIONS will continue to provide full authorization/capture and clearing/settlement, as well as bank identific
36、ation number sponsorship, to MainStream Merchant Services, which processes more than $1 billion annually in credit card transactions. Tim Munto is Group Executive of Sales and Customer Relations at TSYS, (502) 420-6769, , . J. Vignale is President at MainStream Merchant Services, (678) 736-7103, , .
37、 Guy Harris has been appointed President, North America at Elavon, (678) 731-5070, guy.harris . Jeffrey Sloan has been appointed CEO at Global Payments, (770) 829-8232, jeff.sloan . Hiq Lee has been appointed President, Business Information Services at Experian, (914) 830-5445, . J. Brad Hanson has
38、been appointed President at Meta Financial Group and MetaBank, (605) 782-1711, bhansonmetabank. com. Aaron Oliver has been appointed Head of Emerging Payments for the Middle East and Africa at MasterCard, 971 (56) 225-5072, aaron_oliver . Jeff Haughton has been appointed Managing Director at FT Part
39、ners, (415) 321-5020, . Jody Lee has been appointed Group Executive of Information Security at TSYS, (706) 644-0967, . Antonio Corro has been appointed Country Manager of Thailand and Myanmar at MasterCard, 62 (2) 673-7550, antonio_ . Laura DeSoto has been appoint- ed SVP , Marketing, Business Infor
40、mation Services at Experian, (714) 830-5207, . Michele Pearson has been appointed SVP , Indirect Sales, Credit Services and Decision Analytics at Experian, (714) 830-7812, . Jacob Hauskens has been appointed VP , Sales & Business Development at Fortumo, (372)730-9500, . J. Brian Merena has been appo
41、inted SVP , Bank Channel Sales at Veracity Payment Solutions, (978) 352-4057, brian.merena . Tom Farmer has been appointed Vice President of Business Development at Gila Financial Services, (512) 323-4233, tom.farmer . MANAGEMENTCHANGESLargest Payment Card Issuers andMerchant Acquirers a 2013 Nilson
42、 Report Publication HSN Consultants Inc. 2013 THE NILSON REPORT, issuers. Reproduc- ing or allowing reproduction or dissemination of any portion of this document in any manner is a copyright violation subject to substantial fines. Worldwide Fifth Edition Asia/Pacific, Canada, Europe, Latin America,
43、 United States, and Middle East/Africa Also lists 250 Merchant Acquirers from 64 countries in all world regions New for 2013 85 pages Figures include cards in circulation and spending for more than 880 credit & debit card issuers from 115 countries in all world regions Order Today Fast Facts 3 octo
44、 Ber 2013 issue 1,027 the nilson report If you are being forwarded a copy of this report, you are not an authorized user and must delete the report immediately. Your obtaining an unauthorized copy may violate the intellectual property rights of HSN Consultants, Inc. d/b/a The Nilson Report. The righ
45、t to possess digital versions of this report is granted solely to the individual subscriber. Fast Facts DATACASH has integrated MasterCards Expert Monitoring System Fraud Scoring and Lost-Stolen Account List API into its GateKeeper 2.0 payment processing gateway. Ajay Bhalla is President at DataCash, 44 (870) 727-4761, ajay_, . Johan Gerber is Group Head, Processing Products at MasterCard, (636) 722-2366, johan_gerber , . CCAVENUE, an e-commerce gateway in India, will offer its merchants Acculynks PaySecure graphical PIN-based payment service. Ashish Bahl is CEO at Acculynk, (678) 894
