Dear list,
find below the content of ePSO-N 13 (April 2002), the newsletter of the
European "electronic Payment Systems Observatory". This issue
focuses on ePayments in Transport.
The complete issue can be downloaded from the ePSO
website at http://epso.jrc.es or directly:
http://epso.jrc.es/newsletter/vol13/docs/ePSO-N13.pdf
Note: ePSO-N 13 is only available as PDF file.
Best regards
Knud Böhle
(ePSO-team)
==================================
Electronic Payment Systems Observatory-Newsletter
ePSO-Newsletter - No. 13 - April 2002
==================================
[13&1]
Editorial: ePayments in Transport - High Speed Systems or Customer
Monitoring?
Arnd Weber ([EMAIL PROTECTED]), ITAS, Karlsruhe, Germany
/public transport/contactless smartcard/telematics/positioning
This issue focuses on payments in transport. Contactless payment systems are
emerging in European public transport, in particular in cities where
stations have gates. Transport operators also plan to use contactless cards
in gateless systems. In these systems, an issue is whether checking-in and
out will be accepted by the users. Another issue is whether
inter-operability between systems will become available for the European
citizen. Physical gates could be avoided by using technologies for
monitoring customers over a distance. Such technologies can not only be used
in public transport, but also for road pricing. Future cars may be on-line
for "buying" services anyway. Distant monitoring reduces speed requirements
for systems, but raises privacy issues. Other articles in this issue address
third party billing, smartcard security, and the ePSO-conference on consumer
online payments.
[13&2]
Payment Solutions for Automotive Telematics
Erik Dahlström ([EMAIL PROTECTED]), AU-System AB, Gothenburg, Sweden
/mobile services/telematics/pay-on-demand/positioning
Automotive telematics is an emerging and growing market. Advanced payment
solutions will be required once the telematics infrastructure is in place in
vehicles. The payment model likely to fit telematics-based services in cars
is a pay-on-demand model. Once established, the GPRS and 3G infrastructure
allows the provision of more data to and from cars, many new opportunities
appear for vehicle manufacturers, mobile operators and service providers.
[13&3]
New Technology for Mobile Electronic Fee Collection
Ian Catling ([EMAIL PROTECTED] ), David Crawford ([EMAIL PROTECTED]), Ian
Catling Consultancy, Chipstead, United Kingdom
/Intelligent Transport Systems/Vehicle Positioning Systems
Proposed Electronic Fee Collection schemes now have the option of Vehicle
Positioning Systems (VPS) as well as of Dedicated Short-Range Communication
(DSRC) as a technical base. VPS transactions are not time-critical and so
offer greater flexibility, as well as scope for value-added services using a
mobile communication link. VPS can thus operate with any payment means.
Switzerland has introduced a system that uses GPS for her heavy goods
vehicle charging system, and other European countries are moving towards VPS
implementations, e.g. the Netherlands. The EU INITIATIVE project will assess
both VPS and DSRC systems.
[13&4]
ERG Buys Proton
Arnd Weber ([EMAIL PROTECTED]), ITAS, Karlsruhe, Germany
/electronic purse/public transport/contactless smartcard
The Australian ERG Group, which provides automated fare collection systems
for public transport systems (e.g. Hong Kong Octopus), has acquired
Belgium's Proton World, traditionally renowned for its electronic purse and
more recently for its Global Platform-based smart card components. This
article reviews some of the plans ERG has with its partners in the
transport, telecommunications and banking industries, and asks what this
acquisition means for inter-operable payment and transport applications in
Europe.
[13&5]
Billing Woes
Thorsten Wichmann ([EMAIL PROTECTED]), Berlecon Research, Berlin, Germany
/billing/telecoms
Telecommunication operators are supposedly in a good position to offer
billing services for content providers. However, as a closer look at the
requirements for modern billing systems shows, the traditional telco billing
infrastructure is not sufficient for offering modern billing services. Only
recently have the telcos started to introduce new billing systems that are
specially designed for handling the complexity of billing for voice, data,
content and products using a variety of payment instruments and pricing
schemes.
[13&6]
Success factors for credit card fraud? An illustrative example: the Yescard
Laurent Beslay ([EMAIL PROTECTED]), IPTS, Seville
/security/smartcards/usability
Cyber-fraud, as fraud in general, is made possible by the confluence of
three factors: motive, opportunity and vulnerability. When the value is
sufficient to incite motive, the influence of the two other factors depends
specifically on the available technologies - in the case of cyber-fraud - on
the availability of new information and communications technologies. The
Yescard case is an interesting illustration of this concept. It shows that
the opportunity for fraud increases considerably due to publicly available
"encapsulated skills". As this illegal technology also fulfils the main
criterions necessary for widespread acceptance of a technology, developers
of legal security technology can draw some lessons from this case.
[13&7]
Internet and Mobile security in Singapore
Luigi Sciusco ([EMAIL PROTECTED]), Rome, Italy
/review/security/mobile payment systems/Singapore
February 2002 the Monetary Authority of Singapore (MAS) issued a
consultative paper on "Security guidelines for mobile banking & payments"
("Mobile report" for short). This paper followed another publication by MAS
(July 2001, version 1.1) about "Internet banking, technology risk management
guidelines" ("Internet report" for short). The reports provide guidelines to
help banks identifying area of risks and to put in place the best
organisational, legal and technical tools to monitor such risks. These
reports do not go into details of specific attacks or tools. In this article
both reports are reviewed.
[13&8]
The ePSO Final Conference: hopefully not the end
Leo Van Hove ([EMAIL PROTECTED]), Free University of Brussels, Belgium
/pay-per-view/smartcards/regulation
On February 19, Brussels was the scene for the ePSO Final Conference. This
review proffers some personal impressions about the conference in general,
as well as a number of reflections about issues that were (or were not)
discussed. Topics tackled include micro-payments and the pay-per-view
business model, the role of non-banks, and the future of smart cards.
