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Offinvoice, the free eInvoicing solution for everybody

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In 2009 Albalia worked for Microsoft creating FactOffice, the first free and open source solution to manage electronic invoices. The solution managed OOXML files in which spanish facturae XML format could be inserted and extracted, allowing that any unmodified Word 2007 processor could visualize and print electronic invoices.

facturae XML format includes a tiny definition on how a XAdES-XL signature can be included in the invoice. This specific kind of  XML Advanced Electronic Signature (defined in the standard TS 101 903) has the advantage that, when created by the signing party, releases the receiving party from the obligation to further check validity of the included certificate, since OCSP response and Timestamping is already included.

FactOffice solution set up was very easy and created a new menu «facturae» in Word 2007, allowing several functions regarding creating, signing, sending and receiving electronic invoices.

This solution has been awarded by Catcert as the best private sector solution to foster electronic signature, including a «top class» electronic signature manager.

In 2010 Albalia worked for Microsoft creating Offinvoice, the first free and open source solution to manage electronic invoices in CII (Cross Industry Invoice) XML format. By the way, Offinvoice is a big enhacement  from FactOffice, since it is able to be installed in both Word 2010 and Excel 2010, and manages facturae 3.2 XML format, and UBL in addition to CII. This is specially significant if you consider that Office 2010 has justbeen released (we were working with beta VSTO development tools) and there is not yet an implementation of CII (by the way, we could not find any CII development tools, and worked with the bare schema definition 1.0).

For the electronic signature part of the invoice, we have been working with early versions of the UBL recommendations around ETSI TS 101 903, that takes into account the needs of messagges such as order or invoice. We have adhered to XAdES-XL kind of signature for the same reason this was the preferred method in Spain: to release the receiving party of any complex process regarding electronic signature, without adding complexity to the issuing party. Since XAdES-T is included as part of XAdES_XL, the selected method grants compliance to the users of those countries in which that kind of signature is mandatory (by the way, XAdES-XL includes in onion layers: XAdES-BES, XAdES-T, XAdES-C, XAdES-X and, of course, XAdES-X-L).

We really believe (and also some Microsoft guys that have been working with us and helping us a lot) that this software can be a «killer application» for SME all over Europe, because it makes easy both sending and receiving electronic invoices, creating and verifying electronic signatures and converting among different XML formats.

At this moment, Offinvoice is available in 3 languages: english, spanish and catalan. We are looking for colleages in other countries that can help us to translate Offinvoice to all EU languages. If you are interested, please contact with joaquin (dot) lopez (at) albalia (dot) com and tell us the language that you would like to translate to. We will send you the english version of the language files to manage, whith instructions on how to do the job. Thank you in advance.

We are also looking for new sponsors that can help us to include  additional features in Offinvoice.

Albalia has created a special electronic signature library for Offinvoice (B4O: BackOffice for Offinvoice), which is not open source, but is free if used in connection to Offinvoice. This is the License. 

Related information

Business Plan for a CEN Workshop on eInvoicing phase 3

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The Kick-off meeting of the eInvoicing Phase 3 Workshop of CEN took place in Brussels on 9 February 2010. The Business Plan was approved by the plenary meeting.

One of the most  recent meetings took place in Madrid on April, the 28th and the 29th, close to the High Level «Electronic invoicing in Europe» conference, organised by the European Commission  in collaboration with the Spanish Presidency of the Council of the EU.

By the end of 2009 Phase 2 of the eInvoicing Workshop finalized sucessfully its activities and delivered official CWAs.

  • CWA 16046
    Adoption programme for increased eInvoicing in European business processes
  • CWA 16047
    eInvoicing Compliance Guidelines Commentary to the compliance Matrix
  • CWA 16048
    Monitoring legal requirements for cross-border eInvoicing and recommendation of changes in the legal environment
  • CWA 16049
    Assessing new business processes and technologies for eInvoicing
  • CWA 16050
    Framework for the emerging network infrastructure of eInvoicing service providers throughout Europe

A web portal site (‘Gateway‘) has been established, with a lot of additional information and background.

Other deliverables of Phase 1 (2006):

  • CWA 15574
    Commission Recommendation 1994/820/EC October 1994, proposed revision with the requirements of Directive 2001/115/EC, present day e-Commerce practices and revised definition of EDI Electronic Data Interchange
  • Annex to CWA 15574
  • CWA 15575
    The list of invoice content details identified in the directive 2001/115/EC expressed as UN/CEFACT Core Components
  • CWA 15576
    Recommendation to allow coded identifiers as an alternative to the current unstructured clear text identifications
  • CWA 15577
    A standardised set of codes with definitions to replace plain text clauses in eInvoice messages for VAT exemptions
  • CWA 15578
    Survey of VAT Data Element usage in the Member States and the use of codes for VAT Exemptions (containin Annex 1 & 2)
  • Annex 3 to CWA 15578 (excel file)
  • Annex 4 to CWA 15578 (excel file)
  • CWA 15579
    E-invoices and digital signatures. This version was published in 2007 and supersedes the 2006 one
  • CWA 15580
    Storage of Electronic Invoices
  • CWA 15581
    Guidelines for eInvoicing Service Providers
  • CWA 15582
    eInvoice Reference Model for EU VAT purposes specification

Additionally to this CEN Workshop, there is another one: CEN Workshop on ‘Business Interoperability Interfaces on public procurement in Europe’ Phase 2 (WS/BII 2).

The Kick-off meeting of the BII phase 2 Workshop took place in Malmö, Sweden on 10 February 2010. Here is the official approved Business plan.

Companies related to electronic invoice in Spain

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Read in CEN/CENELEC e-Invoice Gateway.

  1. OB10

    OB10 is a global B2B e-Invoicing network, enabling 70,000 customers in over 100 countries to exchange error free, tax compliant invoices, without the need to install any additional hardware or software. OB10 provides an e-Invoicing solution enabl…

  2. SERES – Sociedad de Explotación de Redes Electrónicas y Serv

    SERES is the company belonging to Grupo La Poste (French Post Office) and BULL,
    which specializes in solutions for secure electronic exchange of business documents
    with legal value.

    SERES was created in 1984, so she has an exper…

  3. Izenpe SA

    Set up an e-invoicing platform in the Basque Government to use the electronic
    invoices in all the transactions with the administration.

  4. Ariba Inc.

    In today’s tightening economy, cash is king. Unfortunately, labor-intensive invoicing and payment procedures and poor visibility into purchases and commitments have kept many companies from optimizing their cash flows. Ariba Invoice and Payment…

  5. Logica

    Logica is a leading international IT services company, employing 39,000 people across 36 countries. Logica Information Logistics provide services for local and cross-border e-invoicing. Logica’s e-invoice exchange service supports a multitude of c…

  6. Sterling Commerce Espana

    Detail description and contribution to e-Invoicing Sterling e-Invoice Gateway helps you adapt to the complex, ever-changing business and technical regulations associated with international electronic invoicing. It automates business processes and …

  7. Eurobits Technologies

    Eurobits Technologies is a Digital Services provider that specializes in eInvoicing services. Sistema eFactura Eurobits gives companies a single point of access to the digital invoice universe. The complete life-cycle of all invoices can be man…

  8. Albalia Interactiva, S.L

    Albalia is leading eInvoicing consulting in Spain, helping other eInvoice Platforms to adopt best practices. Albalia is Chairing the ASIMELEC eInvoice Work Group, is member of CEOE eInvoice Work Group, member of OASIS UBL SC, chairman of the UBL Securi…

En mi opinión hay más empresas dedicadas a la factura electrónica en España. ¿Dónde están?

Esta llamada de atención a las empresas españolas es para que se apunten en e-Invoice Gateway.

5th International Congress of eInvoicing (ASIMELEC). Madrid, April the 29th, 2010

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In the context of the events of the High-Level Conference on «Electronic invoicing in Europe» organized by the European Commission (Madrid, April 27 & 28), ASIMELEC Association organizes its «5th International Congress of eInvoicing (Madrid, April 29), so delegates and electronic invoice stakeholders can participate in both events if they wish . The registration costs is 200 euros, and it is open to businesses and government agencies. To register, you can also send an email to:

including your name and surname, your instituition, your title, a contact phone and e-mail. Payment details can be resolved later.

This is the agenda of the 5th International Congress of eInvoicing:

9:00- 9:30 Reception of participants

9:30-10:00 Institutional Welcome

  • Mr. Fernando de Pablo, General Manager for eGovernment, MINISTERIO DE PRESIDENCIA of Spain and Mr. Martín Pérez Sánchez, President of ASIMELEC

10:00-10:20 Fostering the eInvoicing adoption

  • Mr. Gonzalo Die Socias, Director of Planning and External Relations of RED.ES

10:20-10:40 Interoperability: Presentation of Project Invoicex

  • Mr. Julián Inza, Coordinator of eIvoicing Group of ASIMELEC

10:40-11:00 Certified Scanning, a step towards the electronic document

  • Mr. Victor Usobiaga, Financial Service Sector of IBM

11:00-11:30 Coffee-Break

11:30-12:30 Roundtable: Challenges in the Development of eInvoicing in Europe- eInvoicing Practitioners Group

  • Mr. Christiaan van der Valk, CEO of TRUSTWEAVER.
  • Mr. Tony Nisbett,
  • IBM eInvoicing SME – consultant to world-wide customer and supplier boarding teams –IBM
  • Mr. Olaf Schrader, Senior Production Manager for Supplier Enablement, ARIBA INC.
  • Mr. Bruno Koch, Chairman of the Summit EXPP, CEO of BILLENTIS

12:30-12:50 Interoperability Initiatives

  • Mr. Arturo González Mac Dowell, General Manager of Eurobits

12:50-13:10 zBackTrust. Its use in eInvoicing in Caixa Galicia

  • Mr. Ricardo Carballo Gestal, Manager of the Center for Optimization of Operational Processes of CAIXA GALICIA

13:10-13:30 The reform process of the Directive 112/2006 of the European Commission

  • Mr. Santiago Segarra Tormo, Head of the Assistance and Tax Services of Large Taxpayers, MINISTERIO DE ECONOMIA Y HACIENDA of Spain

13:30-13:50 Offinvoice. The International eInvoicing solution in Office 2010 environments

  • Mr. Santi Casas – Associate Director of ALBALIA Interactiva – Microsoft Partner

13:50-14:10 The adoption of eInvoicing in Spain. Lessons Learned

  • Mr. Mario Tanco – General Manager of DYR

14:10-14:30 Discussion

14:30-16:00 Buffet lunch

16:00-16:20 Certified Document Imaging in eGovernment

  • Mr. Miguel A. Amutio, General Directorat of Administrative Modernization, MINISTERIO DE PRESIDENCIA of Spain

16:20-16:40 Cross border invoicing

  • Mr. Oriol Bausà, CEO of INVINET

16:40-17:00 OASIS – UBL as a first generation UN / CEFACT – CII

  • Mr. Tim McGrath Co-Chair of the Universal Business Language (UBL) Technical Committee, OASIS

17:00-17:20 Standard Reception Architecture of eInvoices for the General Spanish Administration

  • Mr. José María Sobrino,  Accounting and Control Applications, MINISTERIO DE ECONOMIA Y HACIENDA of Spain

17:20-17:40 CEN Electronic Invoice WorkGroup presentation. Advancing Electronic Invoicing Facilitating Interoperability

  • Mr. Stefan Engel-Fleschig, Legal Counsel & Chairman, CEN WORKSHOP ON E-INVOICES

17:40-18:00 Discussion and conclusions

18:00-18:40 Institutional Close

  • Mr. José Pérez, General Manager of ASIMELEC

More info: http://www.asimelec.es/projects/fedic/home-fedic.aspx

Trustworthiness of Services in the Cloud

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This days we are preparing some marketing material for the Hannover CeBIT Trade Show and think about what can define our products and services in as few words as possible.

And I think we have got the right answer in this simple title: Trustworthiness of Services in the Cloud

This creates a bridge between some of the concepts in the american view of technology and those managed in european contexts, in which electronic evidences have special meaning.

I think this approach is specially true in some of our products and services. zBackTrust defines an architectural approach to Trustworthiness in Mainframe environments, managing electronic signatures in several formats and through several standard protocols. And at the same time defining Digital Custody and Metadata to characterize authentic electronic documents, which can be accessed through the electronic web reference (electronic see, electronic seat, electronic head-office).

And filling the bridge, we are now designing some of the connections between OpenID and PKI in our development «roadmap», which will be available soon in the future.

Some of the services go through EADTrust, a certification service provider which operates «in the cloud» to supply services like timestamping or certificates validation as a Trusted Third Party. This is going to be of help in Europe, since there are more than 100 Certification Authorities, and it is not easy to get the information about where to verify issued certificates (being through CRLs or OCSP).

Electronic Invoice Summit – Madrid – The 27, 28 and 29 of April 2010

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In the framework of events of the  Spanish Presidency of the Council of the European Union, will take place in Madrid the Conference on “Electronic invoicing in Europe” organised by the European Commission. This international Conference will gather european eInvoice experts in the Auditorium of the State Secretariat of Telecommunications and the Information Society in Madrid the 27 and 28 of April 2010. ASIMELEC Congress on electronic invoice (this year in its 5th edition) will take place on the following day, the 29th of April of 2010, so delegates can particiate on both events if they wish to.

Aim of the conference

Electronic invoices, compared to paper invoices, offer substantial advantages for public and private organisations of all sizes. Widespread uptake of electronic invoicing could be of considerable benefit for the EU economy with potential savings for trading partners (senders and receivers of invoices). However, most of the potential offered by e-Invoicing remains untapped, especially among SMEs, because of the continued existence of regulatory and technical barriers to its full deployment.

Over the past few years, the European Commission has given continuous support to the uptake of e-Invoicing solutions. Several initiatives at European level have been launched in order to facilitate the emergence of a pan-European e-invoicing environment for businesses and public authorities. In particular, the Commission set up an independent Expert Group on e-Invoicing who proposed, at the end of 2009, a European e-Invoicing Framework (EEIF) with recommendations for the provision of e-Invoicing services in an open, competitive and interoperable manner across Europe.

In parallel to these initiatives, other activities affecting the uptake of electronic invoices are:

  • The creation of the Single Euro Payments Area (SEPA) and
  • The VAT directive (2006/112/EC) and its proposed amendments on electronic invoicing currently discussed at the Council.

The European e-Invoicing framework proposed by the Expert Group challenged the identified regulatory and technical barriers with recommendations addressing standards, interoperability, legal requirements and the uptake of e-invoicing by SMEs. These propositions have been published and are open to public consultation until the 26 February 2010.

The conference is being held at an appropriate moment to debate the recommendations of the Expert Group and discuss the key actions to be taken to remove the barriers which currently affect the use of electronic invoices. In that respect, four sessions addressing the current difficulties of e-Invoicing are planned on :

  • SMEs and E-invoicing
  • Interoperability
  • Standards
  • Legal framework for electronic invoices

Speakers will include Members of the European Parliament and the European Commission, representatives from the European Central Bank, high-level representatives of EU Member State governments, businesses, standardisation bodies and NGOs.

The conference is organised by the European Commission under the auspices of the Spanish Presidency of the Council. The conference will take place at the State Secretariat of Telecommunications and the Information Society in Madrid the 27 and 28 of April 2010.

This is a clear oportunity to learn more about UBL, the preferred XML format to be used internationally to foster electronic invoice interoperability.

ASIMELEC eInvoice Congress

ASIMELEC has been organizing  4 Congreses on Electronic Signature and Certified Imaging, and 2010 will see the 5th edition.   This year the event will show an international agenda with key bullets, such as interoperability issues, the ammendment of the VAT directive and fostering eInvoice adoption by SMBs. The date for the event is the 29 of april 2010, and will be organized in close relationship with the Official event.

One of the succes case will be based on the  Invoicex Project.

This V Congreso de Factura Electrónica y Digitalización Certificada, (5th Congress on Electronic Invoice and Certified Imaging) will have an approximate cost of 250 euros. In a few days, registration will be available at  ASIMELEC web site.

Related articles:

Grupo de trabajo de CEN sobre Factura Electrónica: CEN Workshop on eInvoicing

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Versión en español

La Fase 2  de trabajos del Grupo eInvoicing del Comité Europeo de Normalización (CEN) ha concluido en diciembre de 2009 con la publicación oficial de los siguientes CWA (Common Workshop Agreements):

  • CWA 16046
    Programa de adopción para el aumento de la facturación electrónica en los procesos de negocio europeos.
  • CWA 16047
    Comentario a las pautas de cumplimiento normativo en factura electrónica (eInvoicing Compliance Guidelines) relativo a la matriz de cumplimento.
  • CWA 16048
    Supervisión de requisitos legales para facturación electrónica transfronteriza y recomendación de cambios del marco legal
  • CWA 16049
    Recomendaciones de nuevos procesos de negocio y tecnologías para la facturación electrónica.
  • CWA 16050
    Marco de referencia para la incipiente infraestructura de red de Prestadores de Servicios de Facturación Electrónica an Europa

Plan de Negocios de la Fase 3 para comentario público. Los comentarios se debe enviar a Alain Dechamps antes del 9 de Febrero de 2010. La reunión inicial de la FAse II tendrá lugar en Malmö el 12 de Febrero de  2010 (pendiente de confirmación)

Se ha creado un Portal Web (‘Gateway‘), con información adicional y de contexto, incluyendo las fechas de lo próximos encuentros y reuniones.

English version

Phase 2 has now sucessfully finalized its activities and has delivered official CWAs.

December 2009: New set of CWAs officially published
  • CWA 16046
    Adoption programme for increased eInvoicing in European business processes
  • CWA 16047
    eInvoicing Compliance Guidelines Commentary to the compliance Matrix
  • CWA 16048
    Monitoring legal requirements for cross-border eInvoicing and recommendation of changes in the legal environment
  • CWA 16049
    Assessing new business processes and technologies for eInvoicing
  • CWA 16050
    Framework for the emerging network infrastructure of eInvoicing service providers throughout Europe

Phase 3 Business plan for public comment – comments should be sent to Alain Dechamps by 9 February 2010 at the latest. The Kick-Off meeting will take place in Malmö on 12 February 2010 (to be confirmed)

A web portal site (‘Gateway‘) has been established, with a lot of additional information and background including dates of the next meetings

Call for Experts for Specialist Task Force UT on REM Interchange: e-mail Interchange between Registered E-Mail (REM) systems

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Estos dias se ha publicado en ETSI una invitación para participar en el desarrollo del nuevo estándar de Correo Electrónico Registrado o Certificado (REM: Registered Electronic Mail).

Aunque los perfiles buscados en los expertos son muy concretos, es posible que tanto entre los especialistas académicos como los que existen en el mundo de la empresa, pueda surgir algún español que participe en el proyecto.

Transcribo una parte importante de la invitación:

ETSI is looking for experts to establish the Specialist Task Force (STF) UT on REM Interchange: e-mail Interchange between Registered E-Mail (REM) systems based on different transmission protocols.

The project will be organized either over long continuous periods or in sessions so that the experts can carry out their normal duties in their respective organisations.  The sessions plan will be agreed during the Preparatory Meeting, to achieve the best compromise between the STF organization and the requirements of the experts and their Companies.

Candidatures must be proposed by ETSI Members (including Observers and Associate).  If experts with the required qualification are not directly employed by the ETSI Member, candidates from a non ETSI Member Company may be nominated.

Candidates should send a questionnaire duly completed and his/her Curriculum Vitae, in English, in electronic form to the STF Support Unit Director Alberto Berrini, before 21 January 2010.

A short list of candidates will be set up in coordination with the reference TC, as soon as possible after the deadline.  These candidates will be invited to attend the Preparatory Meeting to set up the STF.

The project time scale, the qualification required for the candidates and references for additional information are:
Target date for the start of work:             February/March 2010

Expected duration:                                         Final deliverables to be completed by May 2011

Total manpower required:                          249 working days

Expected number of experts:                     7

The actual number of experts will be decided during the Preparatory Meeting, depending on the mix of skills in the actual applications received.

Qualification required:

  • One or two experts in the SOAP protocol. It is mandatory to bring to the group knowledge of UPU specifications. Knowledge of ongoing work in the specification of the transport protocol will also be valued. These experts will play a relevant role in WP1 (UPU, PEPPOL and STF Common work-plan definition), WP2 (ETSI TS on «Interoperability between REM solutions based on different transport protocols»), and WP4 “Interoperability test suite definition”.
  • At least two experts in SMTP, MIME and S/MIME that also have proven experience in ETSI TS 102 640, Parts 1 to 5 (DTS/ESI-000053 and DTS/ESI-000056). These experts will play a crucial role in WP1 (UPU, PEPPOL and STF Common work-plan definition), WP2 (ETSI TS on «Interoperability between REM solutions based on different transport protocols»), and WP4 “Interoperability test suite definition”.
  • One expert with deep knowledge of existing and prospective regulations (it is mandatory to have a deep knowledge of legal matters), and with experience in the ETSI TS 102 042 and of the ISO/IEC 2700x family. This expert will co-operate with the other experts in WP1 and WP2, and will play a relevant role in WP5, and WP6.
  • One expert with knowledge of ETSI TS 101 733 and/or ETSI TS 101 903 and of ETSI TS 102 734 and or ETSI TS 102 904, and with experience in preparing interoperability tests. This expert will closely work in the most technical WPs (namely WP1, WP2, and WP4).

Las tres redes españolas de tarjetas de crédito premiadas internacionalmente

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Noticia del 6 de mayo de 2009.

Las redes de tarjetas españolas ServiRed, Sistema 4B y Euro 6000 recibieron el premio a la “Mejor Iniciativa sobre Riesgo/Seguridad” durante la reunión de miembros que Visa Europe organiza cada dos años y cuya edición más reciente se acaba de celebrar en Berlín

Las tres redes de tarjetas españolas han trabajado en estrecha colaboración para crear el SNCP (Sistema Nacional de Cifrado de Pistas), una innovadora solución técnica que permite a los comercios acometer a la vez el cumplimiento con la normativa PCI DSS y a la migración a chip EMV, con el consiguiente ahorro de costes.

La implantación de los requisitos de seguridad PCI-DSS en toda la infraestructura de pagos con tarjeta (que tiene el objetivo de asegurar la confidencialidad de los datos y de protegerlos de cualquier manipulación fraudulenta) puede suponer un doble desafío: no sólo a nivel de las tres redes de tarjetas (ServiRed, Sistema 4B y Euro 6000) y los tres centros procesadores (SERMEPA, REDY y CECA) sino también para aquellos comercios que son propietarios de sus sistemas de aceptación de tarjetas, que gestionan su propios terminales punto de venta.

La solución SNCP permite la encriptación de los datos desde su captura en el PIN-pad del punto de venta hasta que éstos son recibidos por el adquirente o procesador, con lo cual se asegura la encriptación “extremo a extremo” de todos los datos sensibles de la tarjeta, a excepción de los dígitos del BIN, que indican el número de identificación del banco. El adquirente o procesador es el que se encarga de descifrar los datos con claves criptográficas custodiadas exclusivamente por el propio adquirente o procesador, que son desconocidas para el comercio. La mayoría de los grandes establecimientos han completado el proceso de certificación y ya están empezando a desplegar la SNCP en sus puntos de venta.

Los ganadores de los premios de Visa Europe han sido anunciados en la reunión de miembros “Insights 09” organizada por Visa Europe en Berlín a finales de abril. Distintos participantes en la industria de los medios de pago de toda Europa presentaron más de 130 candidaturas a los citados premios.

Los Premios que concede Visa Europe en cada edición a las entidades financieras miembro de la asociación, se organizan en siete diferentes categorías. Bancos y cajas compiten tanto con proyectos desarrollados para el sector de los sistemas de pago, como con proyectos de patrocinio y responsabilidad social corporativa.

Stanley Skoglund, Vice Presidente Senior de Cumplimento de Normativas de Visa Europe, señala “Desde el principio confiamos en esta iniciativa y hemos apoyado a las tres redes españolas con el objetivo de certificar la solución SNCP. Visa Europe y las tres redes españolas ha considerado siempre como una prioridad este tipo de soluciones técnicas con el fin de garantizar la seguridad de las transacciones de tarjetas para los comercios, los consumidores y las entidades financieras.”

Declaración de Luis Furnells , Consejero Delegado, ServiRed

«Estamos muy satisfechos tanto con el reconocimiento de Visa Europa a nuestro trabajo y a nuestro valor añadido, como con el apoyo recibido de Visa durante todo el desarrollo del proyecto. Los tres sistemas de pago españoles, reconociendo los retos específicos del mercado español, unimos fuerzas para ayudar al sector del comercio y desarrollar una solución técnica de encriptación «extremo a extremo» que permite, al mismo tiempo y con ahorros significativos: i) reducir el riesgo de compromiso de datos de tarjeta, en el caso de ataques informáticos a los sistemas y a las bases de datos de los comercios y ii) migrar a EMV la infraestructura de aceptación de tarjetas que es propiedad de dichos comercios.»

Declaración de Alfonso de la Viuda – Director General, Sistema 4B

“Este premio es el resultado de una cooperación muy exitosa de los Group Members españoles de Visa y un afán por mejorar la seguridad en nuestra industria, en un compromiso compartido con nuestras entidades miembro y sus clientes comerciantes”

Declaración de Santiago Ballesteros, Director General, Euro 6000

«Estoy encantado con el reconocimiento de Visa Europe a nuestra SNCP. Espero que Visa promueva la utilización de SNCP como estándar mundial de «cifrado de extremo a extremo» que resuelva definitivamente los riesgos de fraude por compromiso de datos de tarjetas.»

Referencia en Inglés

ServiRed, Sistema 4B and Euro 6000, Spain SNCP (standardised solution to cipher track data) programme

Objective

The Spanish PCI DSS implementation programme (whereby sensitive account data is protected from potential compromise) faced a range of challenges: not only does the market comprise of three card networks (ServiRed, Sistema 4B and Euro 6000) and three processing centres, but the larger merchants (who own their own EPOS systems) are simultaneously connected to all three processors. The successful implementation of PCI DSS would therefore have to be a closely co-ordinated, multi-party endeavour which took full account of many different stakeholders – including merchants, processors, and the entire vendor community.

Outcome

The three card networks worked closely together to create the SNCP programme – an innovative technical solution which enables large merchants to simultaneously undertake both PCI DSS compliance and EMV chip migration, with significant cost savings. It represents an end-to-end encryption solution that can be implemented whenever a systems change needs to be undertaken. Once deployed it means that all account data other than the bank identification number (BIN) is fully encrypted across the entire transaction flow from the PIN-pad to the processor/acquirer, where it is decrypted with keys only known to the processor/acquirer. The majority of large merchants have completed the certification process and are starting to implement it across their outlets.