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from cartes a service that Fintech-labs also has up its sleeve, enabling banks to send their customers personalised offers based on time, preference and customer location (and they know how much you can spend). In a lighter context, truRating’s Founder & CEO Georgina Nelson wants to re-conciliate consumers with the online ratings you typically find associated with real products, shops, restaurants, hotels or other services. Nelson’s idea is that for a service or product rating to be meaningful, it should come from as many consumers as possible, at the moment they pay (and conclude the interaction with your business). “Typically, 90% of consumers never leave reviews online. Then you have about 9% of them who only write a review when they are either very pleased or very angry. And among those, you’ll find the 1% from which comes the vast majority of online comments and ratings” explained Nelson. “If you consider online ratings as a democratic way to rate a level of service, sadly they reflect only the opinions of less than 1% of consumers, and you’re not even sure that these don’t come from the suppliers themselves”, she added. Often, ticking the feedback boxes is too long or does not come at an appropriate time (once you’ve paid, you just want to pack and go). With simple cores question rotated from one customer to the next, truRating offers businesses the chance to get feedback from their customers at the point of sale, right before they enter their PIN code. The questions are pulled from a server, depending on the business type, they can also be customised and rating is performed truRating’s questions pop up just before entering your PIN number. with one click (0 to 9 on the keypad). As a customer, you only get one question (for example, Service? Value? Products? Atmosphere? Recommend us?), but as a business, you can access the ratings data within a few hours, so you can react to any feedback before there’s an impact on your reputation and bottom line. With mobile POS, this could translate into staff monitoring and trends comparisons from one branch to another. truRating doesn’t collect any payment details, only the amount spent and the product, basically what’s on the receipt, so there are no security or privacy risks. The service is available to in-store merchants from as little as £15 per month per outlet, with a one-off £50 sign-up fee. Created two years ago, the startup hopes to establish a strong-enough presence online for consumers to recognize its value and consult its website for meaningful ratings aggregated from thousands of real customers. Nelson won the check. Software has the last word for PIN entry By Julien Happich The cartes secure connexions exhibition has had its fair share of hardware exhibitors, but authentication is at the core of every transaction and software solutions are increasingly taking centre-stage while secure chips move from smart cards to more capable and user-friendly mobile and embedded devices. According to Eurosmart, over 8 billion secure elements will be shipped this year, growing 9% in 2015 and possibly reaching 12 billion units in 2020. Secure elements mostly come in the shape of SIM cards for telecom applications, representing over half of the total shipments, followed by secure chips for banking (actual smart cards, authentication dongles and payment terminals) at less than a quarter of the global volume. Interestingly, among all secure elements, NFC-enabled SIM cards are the fastest growing, set to nearly double from 350 million units shipped in 2014 to 600 million for 2015. This is probably what made Oyvind Rastad, chairman of Eurosmart, say for the third year in a row that “Next year will be the year of NFC”, and NFC-based Apple Pay and Google Wallet touch-and-pay solutions will certainly boost consumer awareness and drive the demand Until recently, PIN entry was only certified secure through hardware entry solutions including a bulky physical keypad. So far, PCI-compliance restrictions have prevented the design of sleek touch-screen only point-of-sale terminals, something that would better reflect today’s modern smartphone designs. At Cartes, Danish exhibitor Cryptera A/S (recently acquired by Diebold Inc. for its expertise in the manufacture of secure PIN entry pads) announced CryptoTouch, claimed to be the first encrypting PIN touch screen application to comply with Payment Card Industry (PCI) security requirements. The CryptoTouch application encrypts all PIN entries users make on touch screen interfaces, from automated teller machines (ATMs) to point of sale (POS) devices and other unattended payment terminals. Here is an opportunity for terminal manufacturers to move away from the traditional mechanical keypad to a more versatile and adaptive touch screen interface. The solution relies on a purpose-built secure module, the ETS 6200, combining logical and physical security measures. The polymer-enclosed unit includes a PCI-approved encrypted touch sensor for standard screen sizes from 12” to 24”, 14 Electronic Engineering Times Europe December 2014 www.electronics-eetimes.com


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