TORONTO, March 23, 2016 – BMO Financial Group (BMO) and MasterCard today marked the beginning of a phased launch of the first biometric corporate credit card program in Canada and the U.S. that will enable cardholders to verify transactions using facial recognition and fingerprint biometrics when making online purchases.
The introduction of this technology will increase security when making payments that don`t include a face-to-face interaction, and will be integrated seamlessly for easy use in reducing the likelihood of a card being used by anyone who is not the cardholder.
Beginning with corporate cards issued to BMO employees in Canada and the U.S., the MasterCard Identity Check mobile app will prompt participants to:
Scan fingerprints or snap selfies to validate their identities via biometrics; and When verified, return to the merchant site to complete the online purchase“The use of biometric technology has become more common for consumers looking for convenient and secure ways to make purchases using their smartphones, so this was the natural next step for us as innovators in the payment security space,” said Steve Pedersen, Vice President, Head, North American Corporate Card Products, BMO Financial Group. “Mitigating the risk of fraud is always our top priority, and the inclusion of this technology is going to make payment authentication easier, and strengthen the security of the entire payments ecosystem.”
Mr. Pedersen added that the first phase will test the potential of delivering greater security and convenience using BMO employee corporate cardholders in the U.S. and Canada, including establishing and improving best practices in corporate environments, developing better protection against potential fraud and continually minimizing the need for customer service inquiries. Once complete, the next phase will be to make the technology available to customers more broadly beginning in the summer of 2016.
“With BMO, MasterCard is hosting our first Canadian and U.S. corporate card biometric user engagement. It’s always exciting to introduce biometrics to new cardholders.They quickly realize that they don’t have to sacrifice convenience for security. By snapping a selfie or scanning a fingerprint, the person becomes the password,” said Catherine Murchie, Senior Vice President of North America Processing, Enterprise Security & Network Solutions for MasterCard.
About BMO Financial Group
Established in 1817 as Bank of Montreal, BMO Financial Group is a highly diversified financial services organization and a leading provider of commercial card and treasury solutions based in North America. With total assets of approximately $642 billion as of October 31, 2015, and close to 47,000 employees, the bank also offers a broad range of retail banking, wealth management and investment banking products and services to more than 12 million customers.
About MasterCard
MasterCard (NYSE: MA), www.mastercard.com, is a technology company in the global payments industry. We operate the world’s fastest payments processing network, connecting consumers, financial institutions, merchants, governments and businesses in more than 210 countries and territories. MasterCard products and solutions make everyday commerce activities – such as shopping, traveling, running a business and managing finances – easier, more secure and more efficient for everyone. Follow us on Twitter @MasterCardNews, join the discussion on theBeyond the Transaction Blog and subscribe for the latest news on the Engagement Bureau.
BMO Contact: MasterCard Media Contact:
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“iPhone SE is an exciting new idea — we started with a beloved, iconic design and reinvented it from the inside out. The result is the most beautiful and powerful phone with a four-inch display in the world,” said Philip Schiller, Apple’s senior vice president of Worldwide Marketing. “iPhone SE is packed with a stunning four-inch Retina display, advanced 64-bit A9 chip with M9 motion co-processor, longer battery life, 12-megapixel iSight camera with True Tone flash, Live Photos, 4K video, faster LTE and Wi-Fi, and Touch ID with Apple Pay. Everyone who wants a smaller phone is going to love iPhone SE.”
The Most Powerful Phone with a Four-inch Display
iPhone SE takes a beloved iPhone design and reinvents it from the inside out, giving customers a powerful, full-featured iPhone no matter which model they choose. The 64-bit A9 chip, introduced in iPhone 6s and iPhone 6s Plus, offers iPhone SE customers two times faster CPU and three times faster GPU performance compared to iPhone 5s, all with gains in energy efficiency for improved battery life. M9, Apple’s next-generation motion coprocessor, is integrated into A9 allowing more features to run all the time at lower power, including “Hey Siri” without having to pick up your iPhone, and a range of fitness tracking capabilities like measuring your steps and distance. iPhone SE users can browse, download and stream content even faster with Wi-Fi up to three times and LTE up to 50 percent faster than iPhone 5s.* iPhone SE also includes more LTE bands for better worldwide roaming and supports Voice over LTE and Wi-Fi calling for high-quality wideband calls.
With an easy-to-use interface, amazing features, and security at its core, iOS 9 is the foundation of iPhone SE and brings powerful built-in apps like Messages, FaceTime®, Photos, Music and Maps to iPhone users. iOS 9 also brings more intelligence to iPhone SE with proactive assistance, powerful search, improved Siri® features, and a new Night Shift™ feature that uses your iPhone SE’s clock and geolocation to automatically adjust the colors in the display to the warmer end of the spectrum after dark and may even help you get a better night’s sleep.
All of these innovations are packed into a light and compact phone designed to fit comfortably in your hand, crafted from bead-blasted aluminum for a satin-like finish, refined matte-chamfered edges, a new color-matched stainless steel inset Apple logo and a brilliant four-inch Retina® display.
The World’s Most Popular Camera
iPhone SE has an advanced 12-megapixel iSight camera featuring Focus Pixel technology for fast focusing, an Apple-designed image signal processor, advanced noise reduction, third-generation local tone mapping and better face detection, all resulting in sharper, more detailed photos like the ones shot on iPhone 6s. With Live Photos on iPhone SE, customers can go beyond snapshots to capture moments in motion and relive unforgettable memories with sound. Live Photos are beautiful 12-megapixel photos that, with just a touch, reveal the moments immediately before and after the shot was taken, so users can enjoy a living memory rather than an instant frozen in time.
Additional camera advancements include:
The ability to shoot HD video with support for 4K at a resolution of 3840 x 2160. After capturing 4K video, customers can edit on a Mac®, PC or iPad®, and with the latest version of iMovie® on iPhone, can even edit two simultaneous streams of 4K on iPhone SE. Retina Flash, which momentarily makes the display three times brighter with True Tone® lighting technology, for wonderfully bright selfies in low light with the FaceTime HD camera. Features introduced with iPhone 6s, including up to 63-megapixel panorama photos, video capture up to 60fps for 1080p video and 240fps for slo-mo, time-lapse with video stabilization and cinematic video stabilization.Apple revolutionized personal technology with the introduction of the Macintosh in 1984. Today, Apple leads the world in innovation with iPhone, iPad, Mac, Apple Watch and Apple TV. Apple’s four software platforms — iOS, OS X, watchOS and tvOS — provide seamless experiences across all Apple devices and empower people with breakthrough services including the App Store, Apple Music, Apple Pay and iCloud. Apple’s 100,000 employees are dedicated to making the best products on earth, and to leaving the world better than we found it.
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Apple, the Apple logo, iPhone, iSight, Live Photos, Touch ID, Apple Pay, FaceTime, Siri, Night Shift, Retina, Mac, iPad, iMovie, True Tone, Lightning, App Store and Apple Store are trademarks of Apple. Other company and product names may be trademarks of their respective owners.
LONDON– March 23, 2016 – Millions of MasterCard cardholders and Android device owners in the UK will soon have additional safe and secure ways to make mobile payments and purchases, as Google today announced it will launch Android Pay in this market. HSBC, Lloyds, MBNA and M&S Bank will be the first banks to support Android Pay in the UK, following Android Pay’s successful launch in the United States in September 2015.
Android Pay enables MasterCard credit, debit, prepaid, commercial and small business cardholders to use their eligible Android smartphones for everyday purchases in-store and within Android apps.
Once a MasterCard cardholder downloads the app and sets up an account, making a payment with Android Pay at a store is simple, safe and secure. To pay, consumers unlock their device, hold it near a payment terminal at any location that accepts MasterCard contactless payments, and their payment will be complete. MasterCard built the foundation for secure digital transactions, so consumers can use their cards when, where and how they want.
Developers can quickly enable Android Pay for in-app payments across merchant sites via the Simplify Commerce and the MasterCard Payment Gateway. In the US and UK, Google has partnered with these MasterCard platforms to make it easy for merchants of all sizes to accept in-app payments securely from Android users.
“The strength of our technology means that consumers can enjoy both security as well as simplicity. MasterCard cardholders can feel confident about using their digital MasterCard cards for everyday purchases,” said Mark Barnett, President of MasterCard UK & Ireland.
MasterCard issuers who participate in the MasterCard Digital Enablement Express program can onboard easily and quickly to Android Pay, as Google brings its service to new markets.
“We’re excited to bring the simplicity and security of mobile payments to MasterCard customers with Android Pay. Soon, people will be able to use their Android device to pay at the hundreds of thousands of contactless payment terminals in the UK,” said Pali Bhat, Senior Director, Product Management, Google.
MasterCard contactless payments are accepted in 74 countries and more than four million merchant locations worldwide. To find a listing of contactless-enabled merchant locations, download the MasterCard Nearby app or go to www.mastercard.com/contactless.
About MasterCard
MasterCard (NYSE: MA), www.mastercard.com, is a technology company in the global payments industry. We operate the world’s fastest payments processing network, connecting consumers, financial institutions, merchants, governments and businesses in more than 210 countries and territories. MasterCard products and solutions make everyday commerce activities – such as shopping, traveling, running a business and managing finances – easier, more secure and more efficient for everyone. Follow us on Twitter @MasterCardNews, join the discussion on the Beyond the Transaction Blog and subscribe for the latest news on the Engagement Bureau.
Media Contacts
Adam Keal, MasterCard UK&I: This email address is being protected from spambots. You need JavaScript enabled to view it. +44 (0)7710 916 144
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“iPad Pro is a new generation of iPad that is indispensable and immersive, enabling people to be more productive and more creative. It’s incredibly fast, extremely portable, and completely natural to use with your fingers, Apple Pencil and Smart Keyboard. And now it comes in two sizes,” said Philip Schiller, Apple’s senior vice president of Worldwide Marketing. “The 9.7-inch iPad Pro has a new Retina display with True Tone technology, four-speaker audio system, blazing fast A9X chip, 12-megapixel iSight camera, 5-megapixel FaceTime HD camera, faster wireless, and support for Apple Pencil and Smart Keyboard. It is the ultimate upgrade for existing iPad users and replacement for PC users.”
Designers, illustrators and businesses have quickly adopted iPad Pro and it’s changing the way they work:
“People don’t realize how much hand drawing is needed to produce computer animation,” said John Lasseter, Chief Creative Officer, Pixar and Walt Disney Animation Studios. “iPad Pro and Apple Pencil are the closest we’ve ever been able to get in the digital world to actually drawing on paper.”
“I’ve done everything including designing the latest cycling collection on iPad Pro,” said Alex Valdman, Head of Design for Rapha. “It goes with me everywhere, and has not only replaced my laptop, but my paper notebook as well. For the Rapha design team, iPad Pro will become standard issue.”
“At Citi, iPad Pro is truly transforming how we work,” said Stephen Gates, U.S. Head of Design for Citi Global Consumer Banking. “iPad Pro and Apple Pencil have played a huge part in the new Citi Design team’s work to create new innovative customer experiences. We use iPad Pro for sketching out new design concepts, presenting our work, answering our emails, working with our design files on Adobe Creative Cloud and participating in FaceTime meetings with our other design teams all over the world.”
Pro display
The 9.7-inch iPad Pro features advanced display technologies, including a True Tone display, which uses new four-channel sensors to dynamically adjust the white balance of the display to match the light around you for a more natural and accurate, paper-white viewing experience. The advanced Retina display is 25 percent brighter and 40 percent less reflective than iPad Air® 2, making content even easier to see indoors and out. It uses the same wider color gamut as the iMac® with Retina 5K display, delivering 25 percent greater color saturation¹ for more vivid colors. A custom timing controller, photo alignment and oxide TFT deliver incredible color, contrast and clarity. Night Shift in iOS 9.3 uses iPad Pro’s clock and geolocation to automatically adjust the colors in the display to the warmer end of the spectrum after dark and may even help you get a better night’s sleep.
Pro performance
The new iPad Pro is just 6.1mm thin and weighs just under one pound, yet delivers groundbreaking performance, connectivity and versatility so you can tackle the most demanding tasks wherever you go. The powerful A9X chip with third-generation 64-bit architecture provides performance that rivals many laptops and console-class graphics, while also delivering all-day battery life.² Ultrafast wireless connectivity keeps you connected wherever you go with 802.11ac Wi-Fi with MIMO technology, support for even faster LTE Advanced with up to 50 percent faster cellular connectivity³ and the most LTE bands supported by any tablet.⁴ Now with Apple SIM embedded directly in the new iPad Pro, it’s even easier to connect to wireless data plans right from your device when traveling in more than 100 countries and territories.5
iPad Pro has an advanced 12-megapixel iSight camera sensor featuring Focus Pixels for fast focusing, an Apple-designed image signal processor, advanced noise reduction, third-generation local tone mapping and better face detection, all resulting in sharp, detailed images, 63-megapixel panoramas and Live Photos. A True Tone flash improves low light shots and document scanning. The new iSight camera shoots 4K video, making the new iPad Pro the perfect device to shoot, edit and share pro-quality video. The improved 5-megapixel, front-facing FaceTime HD camera makes the new iPad Pro perfect for videoconferencing or connecting with loved ones.
Pro audio
The four-speaker audio system provides powerful, clear and rich stereo sound for more than twice the audio output.¹ Built-in sensors automatically adjust and optimize the audio no matter which way you’re using it. iOS 9.3 also adds support for playing video encoded with Dolby Digital Plus audio streams with support for multichannel output using the Apple Lightning® Digital AV Adapter.
Pro accessories
Apple Pencil and Smart Keyboard, available for purchase separately, bring breakthrough levels of precision and utility to iPad Pro. Advanced sensors in Apple Pencil measure both pressure and tilt for a natural drawing, annotating and note-taking experience. A new Smart Keyboard is custom-designed for the 9.7-inch iPad Pro, offering a thin yet durable keyboard that never needs to be charged or paired over Bluetooth and is easily foldable into a protective Smart Cover®. The new Lightning to SD Card Camera Reader and Lightning to USB 3 Camera Adapter make it easy to download photos and videos from a digital camera to iPad Pro, while a new Lightning to USB-C Cable and Apple’s 29W USB-C Power Adapter enable faster charging.
Pricing & Availability
The 9.7-inch iPad Pro comes in silver, space gray, gold and a new rose gold metallic finish, and starts at $599 (US) for the 32GB with Wi-Fi model and $729 (US) for the 32GB Wi-Fi + Cellular model. Both iPad Pro sizes are available in offerings of 32GB, 128GB and a new 256GB capacity, the highest of any iOS device. For more information, please visit www.apple.com/ipad. The 9.7-inch iPad Pro will be available to order beginning Thursday, March 24, from Apple.com, and in Apple’s retail stores, through select carriers and Apple Authorized Resellers on Thursday, March 31, in Australia, Canada, China (Wi-Fi models only), France, Germany, Hong Kong, Japan, New Zealand, Puerto Rico, Singapore, the UK, US Virgin Islands and the US. The 9.7-inch iPad Pro will be available in early April in Albania, Anguilla, Antigua and Barbuda, Austria, Belgium, Bosnia, Bulgaria, Cayman Islands, Croatia, Czech Republic, Denmark, El Salvador, Estonia, Finland, Greece, Greenland, Guam, Guatemala, Hungary, Iceland, India, Ireland, Isle of Man, Italy, Kosovo, Latvia, Lichtenstein, Lithuania, Luxembourg, Macedonia, Macau (Wi-Fi models only), Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Russia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Thailand (Wi-Fi models only), Turkey and UAE. Apple Pencil is available for $99 (US) and Smart Keyboard in charcoal gray for $149 (US). The Polyurethane iPad Pro Smart Cover and Silicone Cases for the 9.7-inch iPad Pro are available for $49 (US) and $69 (US), respectively, in a range of new vibrant colors. The Lightning to SD Card Camera Reader is available for $29 (US), Lightning to USB 3 Camera Adapter for $39 (US), Apple 29W USB-C Power Adapter for $49 (US), Lightning to USB-C Cable (1 m.) for $25 (US) and Lightning to USB-C Cable (2 m.) for $35 (US). Every customer who buys an iPad Pro from Apple will be offered free Personal Setup, in-store or online, to help them customize their iPad Pro by setting up email, showing them new apps from the App Store® and more. Anyone who wants to learn more about the new iPad Pro or iOS 9 can register for the free workshops offered at every Apple Store®. ¹Over iPad Air 2.Apple revolutionized personal technology with the introduction of the Macintosh in 1984. Today, Apple leads the world in innovation with iPhone, iPad, Mac, Apple Watch and Apple TV. Apple’s four software platforms — iOS, OS X, watchOS and tvOS — provide seamless experiences across all Apple devices and empower people with breakthrough services including the App Store, Apple Music, Apple Pay and iCloud. Apple’s 100,000 employees are dedicated to making the best products on earth, and to leaving the world better than we found it.
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Apple, the Apple logo, iPad Pro, Retina, Night Shift, True Tone, iSight, Live Photos, FaceTime, Apple Pencil, Smart Keyboard, iPad Air, iMac, Lightning, Smart Cover, App Store and Apple Store are trademarks of Apple. Other company and product names may be trademarks of their respective owners.
“We’re thrilled with the profound impact ResearchKit has already had on the pace and scale of conducting medical research, and have realized that many of the same principles could help with individual care,” said Jeff Williams, Apple’s chief operating officer. “We believe that giving individuals the tools to understand what is happening with their health is incredibly powerful, and apps designed using CareKit make this a reality by empowering people to take a more active role in their care.”
CareKit will be released as an open source framework next month allowing the developer community to continue building on the first four modules designed by Apple, that include:
Care Card helps people track their individual care plans and action items, such as taking medication or completing physical therapy exercises. Activities can automatically be tracked and entered using sensors in Apple Watch® or iPhone; Symptom and Measurement Tracker lets users easily record their symptoms and how they’re feeling, like monitoring temperature for possible infections or measuring pain or fatigue. Progress updates could include simple surveys, photos that capture the progression of a wound or activities calculated by using the iPhone’s accelerometer and gyroscope, like quantifying range of motion; Insight Dashboard maps symptoms against the action items in the Care Card to easily show how treatments are working; and Connect makes it easy for people to share information and communicate with doctors, care teams or family members about their health and any change in condition.Developers of health and wellness apps are excited to build these CareKit modules into apps for Parkinson’s patients, post-surgery progress, home health monitoring, diabetes management, mental health and maternal health.
Sage Bionetworks and the University of Rochester are using CareKit to turn the mPower ResearchKit™ study into a valuable tool to help better inform patients about their condition and care providers about treatment. The Texas Medical Center is designing apps to guide and support care pathways for its 8 million patients to improve their health through enhanced connectivity with their care teams. Beth Israel Deaconess Medical Center will provide patients with more insight into their own chronic care management through home health monitoring devices that securely store data in HealthKit™. One Drop is empowering people with a better approach to managing their diabetes. Start, by Iodine, helps people on antidepressants understand if their medication is working for them or not, and helps their doctors deliver more informed care. Glow, Inc. will incorporate CareKit modules into its pregnancy app, Glow Nurture, to guide women through a healthier pregnancy.Apple revolutionized personal technology with the introduction of the Macintosh in 1984. Today, Apple leads the world in innovation with iPhone, iPad, Mac, Apple Watch and Apple TV. Apple’s four software platforms — iOS, OS X, watchOS and tvOS — provide seamless experiences across all Apple devices and empower people with breakthrough services including the App Store, Apple Music, Apple Pay and iCloud. Apple’s 100,000 employees are dedicated to making the best products on earth, and to leaving the world better than we found it.
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Apple, the Apple logo, CareKit, iPhone, Apple Watch, ResearchKit and HealthKit are trademarks of Apple. Other company and product names may be trademarks of their respective owners.