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市場調查報告書
美國金融服務走向smart card的戰略：市場與產業現況
Financial Services Smart Cards in the US: Where are they Now?
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本報告已在2011年07月19日停止出版。
Smart Card這個技術本身從取得核可以來已經過30年，雖然不能說是新的技術，但以在2002年度18億張的發行數量來看，說它是發展已到極限的技術也是不正確的。
專精於調查消費者支付技術及產業界的應用的Mercator Advisory Group, Inc.(總公司：美國馬薩諸塞州)，發行了美國金融服務Smart Card的現況調查報告書"Financial Services Smart Cards in the US: Where are they Now?"。
該報告書中，除引導讀者概觀世界Smart Card的狀況，卡的種類以及部門，並提出了至2006年的成長預測，也調查了美國金融服務業界有關Smart Card的組合或未來發展的技術。另外，也對業界案例提出檢討、並對現行的卡片成本做出分析，對投資人來說具有諸多啟發。報告書概要如下所示：
1. 序
2. 世界Smart Card的概要
3. 美國Smart Card的概要
- American Express Brew
- Visa與Master的Smart Card
- 目標的縮小
- Visa Smart Card的點數制
4. Smart Card的商務情況－何謂嚴密性？
- 磁條技術的界限
- Smart Card的前瞻性
- Smart Card與基礎成本的減少
- 借貸卡的替代品
- 個人資料外洩的危險性
- 技術與基準的一致
- 在其他領域的實證應用
5. 成本分析－是誰為何而支付？
- 卡片的提攜及合作
- 發行銀行/結算銀行
- 在第三機關的處理
- 客戶
- 硬體/軟體業者
- 持卡人
- 總體的成本分析
6. 商務概況的制定
Introduction
This report focuses on the rollout of Smart Cards in the US with an emphasis
on the cost drivers for the major industry players. First patented thirty years
ago, the technology can hardly be called new. Similarly, it' s inaccurate to
describe the technology as marginal with 1.78 billion cards shipped in 2002.
Mass proliferation of smart cards in the global community has been linked to the
technology resolving problems and for most of these it has been a case of a
tipping point being reached where the benefits of moving to smart cards would
outweigh the cost of the transition. In the field of consumer payments within
the US, smart cards have yet to gather this critical mass, but their significant
advantages over magnetic stripe cards are making them greatly compelling. International
acceptance of smart cards has come in waves. The first of these was a desire to
control the level of vandalism of public telephone kiosks, and led to a
significant rollout of smart cards in Europe in the 1980' s. Cellphones led to
another wave of smart card adoption, this time for the SIM cards in GSM handsets
as a means of identifying a subscriber to a cellular network. Telecommunications
has been very closely tied to the smart card industry and still accounts for by
far the majority of smart card units shipped1. Telecoms are tangentially
related to the next big wave of smart card rollout; the cost of online
transaction authorization is prohibitively expensive in Europe, leading to
offline, batch processing at the end of day. This loophole has been exploited by
fraudsters who have been able to pay for goods using counterfeit or stolen
cards, knowing that at the time of purchase the card status would not be checked
below a certain floor limit. This had led to transactional changes at the POS,
where cardholders are verified by entering a PIN which is matched to data stored
on a smart credit / debit card. An EMV (Europay, MasterCard & Visa) mandated
liability shift to go into place by January 1st, 2005, making merchants liable
for fraudulent transactions if they have not upgraded their Point-of-Sale card
readers for �eChip and PIN' transactions. Card issuers will also be
liable if they have not upgraded all issued magnetic stripe cards to smart cards
by the same deadline. Further details on the evolution of smart cards can be
found in Mercator Advisory Group research 'Micropayments Get Smart...Online
Debit & Chip, A Winning Combination' ' 1. Introduction
2. Top-down Overview -The Global Smart Card Picture
3. The Local Picture
- 3.1. American Express Blue
- 3.2. Close, but no cigar? Smart Visa & Smart MasterCard
- 3.3. Right on Target
- 3.4. Visa Smart Rewards
4. The Business Case for Smart Cards ? What is it exactly?
- 4.1. The Limitations of Magnetic Stripe Technology
- 4.2. The Untapped Potential of the Smart Card
- 4.2.1. Payments / Stored Value:
- 4.2.2. Loyalty / Rewards:
- 4.2.3. Access / Security:
- 4.2.4. Information Storage and Processing:
- 4.2.5. The Whole is Greater than the Sum of its Parts�c
- 4.3. Decreasing Cost of Smart Cards & Infrastructure
- 4.4. Debit Card Replacement
- 4.5. Identity Theft Paranoia
- 4.6. A Consensus of Technical Specifications and Standards
- 4.7. Tried and Tested Elsewhere
5. Cost Analysis - Who pays for what?
- 5.1. Card Associations
- 5.2. Issuing and Acquiring Banks
- 5.3. Third-Party Processors
- 5.4. Merchants
- 5.5. Hardware and Software Vendors
- 5.6. Cardholders
- 5.7. Overall Cost Analysis
6. Making the Business Case
- 6.1. Tipping the Balance
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