Members Resources : White Papers

White Papers

Considerations for the Development of Open Payments in the Transportation Systems of Latin America and the Caribbean (Available in SP & ENG)

This White Paper was developed by the Digital Center of Excellence in conjunction with Florida State University, which provides vital information for the development of open payments in the transportation systems. This is the use of pre-paid, debit, and credit cards to conduct transactions in the fare collection systems for transportation.

In order to make this migration towards open payments, the payment brands (American Express, MasterCard Worldwide, and Visa Inc.) have provided the minimal requirements for the acceptance of their cards in the transportation systems. It is vital to understand these important considerations, while developing a high level of proficiency, which SCALA can provide in items related with transportation and payment systems.

This topic is considered important for: Financial Inclusion, Transportation Evolution, EMV Migration, and Contactless Payments.

For more information on this white paper click here

Caso de Estudio: Transporte Publico Bogotá

Las tarjetas con circuito integrado (ICC) forman parte de la vida cotidiana de un gran porcentaje de la población; en los próximos años este número aumentará conforme la tecnología siga profundizando en otras industrias para mejorar la calidad de vida de las personas, agilizando procesos y garantizando la seguridad e integridad de la información de los usuarios. Uno de los beneficios inmediatos se podrá ver en los sistemas de transporte público de la región Latinoamericana, por su velocidad y seguridad cada vez son más los que consideran modernizar el cobro de pasajes con tecnología de ICC. Uno de los primeros casos en la región se dio en ciudad de Bogotá donde se inició en el año 2000 implementando la tecnología en las primeras 14 unidades de Transmilenio. Por su densidad poblacional y el caos que representaba el desorden en todos los aspectos del transporte público, Bogotá se considera ejemplo para la re-estructuración de este sector en otras ciudades de la región. El caso de Bogotá ha pasado por altibajos técnicos que han prolongado una ejecución total, funcional, y con más beneficios para la población. A continuación, se presentarán los puntos claves de un proceso que lleva 15 años implementándose para consideración de futuras aplicaciones en otras ciudades y lograr un desarrollo más rápido y eficaz.

Para ver el documento completo, entre aquí.

Card Payments Roadmap in Latin America and the Caribbean: How Does EMV Impact the Payments Infrastructure?

EMV migration has become a requirement for the financial industry to combat fraud, create value added services, innovate through the use of an integrated circuit cards. Also, let’s not forget about maintaining interoperability with the rest of the world. This roadmap white paper provides details on how to conduct a successful migration to EMV and items that need to be taken into consideration to ensure the process goes smoothly.

Experts on these items and on the technology are far and in between, this is why we recommend that each financial institution in addition to reading our roadmap develop a highly skilled team within the organization to lead the development of this migration.

This topic is considered important for: Financial Payments, EMV Migration, and Contactless Payments.

For more information on this white paper click here

An Identity Credential for Government Verification (CIV) for Latin America and the Caribbean. How to take advantage of FIPS 201 and PIV Specifications from the U.S.

This white paper explores the necessity of governments in Latin America and the Caribbean to develop secure identity credentials to identify government employees. It focuses on the need to develop interoperability among agencies and create secure verification methods for authentication. Utilizing the PIV and FIPS 201 to develop credentials similar to commercial identity verification (CIV) credentials.

Unfortunately, there is a lack of knowledge and standards available to develop secure government identity credentials that can be used in the region as well of a lack of standards for the interoperability of national identity documents. SCALA has been working with its market leaders to bridge the gap to develop an interoperable specification for national identity.

This topic is considered important for: Access Control, Authentication, Identification, and Security.

For more information on this white paper click here

Mobile Devices and Identity Applications

The use of integrated circuit cards on mobiles, whether embedded or not have brought new functionalities for these devices for the secure authentication of identities. The evolution of identity credentials to digital identities have open the opportunity for the migration of new secure platforms and form factors to provide identity applications. Mobile devices provide an opportunity to integrate these systems, but they must be done securely and following certain guidelines to ensure a successful implementation.

This white paper focusing primarily on the use of Near Field Communications (NFC) for strong authentication and related functionalities such as: credential verification, access control, Personal Identity Verification – PIV, etc.

This topic is considered important for: Authentication, Access Control, Identification, Security, and Mobile.

For more information on this white paper click here

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