ANNUAL REPORT 2001

EUROPEAN COMMITTEE FOR BANKING STANDARDS

European Committee for Banking Standards. I April 2002.
Avenue de Tervueren 12, B-1040 Brussels.
Not to be copied without attribution, and subject to the restriction under the confidentiality clause below.
Comments or enquiries on the document may be addressed to the Secretary General at the above address.
This report is Public and may be copied or otherwise distributed provided the text is not used directly as a source of profit.
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Contents
Message from the President . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Welcome from the Secretary General . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
Introduction to ECBS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
Achievements during 2001 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8
Outlook for 2002 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9
Plastic Cards and Related Devices . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10
Automated Cross Border Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11
Security . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12
Electronic Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13
ECBS Publications . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14
Executive Committee Members . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16
Central Secretariat . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16
Technical Steering Committee Members . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17
Plastic Cards & Related Devices Committee Members . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18
Automated Cross Border Payments Committee Members . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20
Security Committee Members . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23
Electronic Services Committee Members . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .25
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During the year 2001, ECBS has
been strongly continuing its
wor k, f ocusi ng on t he
defi ni ti on of standards,
issuing technical reports
and gui del i nes and
following up their imple-
mentation.
Moreover, it has also
worked on another of its
main targets, which is the
rel ati onshi p wi th other
standardi sati on and co-
operation bodies and has
proven to be especially efficient
with partners like SWIFT.
But all these references to the work of ECBS with
regard to the year 2001 would not be complete if we
missed to mention the relevant attention that several
bodies have been putting into payment standards and
the possibilities to move ahead from the current
situation. The strong attention that standards have
received from the European Central Bank, the
European Commission and the three European Credit
Sector Associations (ECSAs), together with the whole
banking industry, has had a lot to do with the great
expectation that the physical implementation of the
Euro currency has created.
In the new scenario brought by the Euro, we have all
been wondering about which should be the way
forward to enhance the European payments zone,
aiming to meet the satisfaction of the consumer. In
this endeavour, efficiency is the only driver that can
guide our work. However, when efficiency becomes
the final target, not only standards get involved, but
also schemes, procedures and platforms for co-
operation between banks will be affected.
Considering this, there are three main dimensions
that end up participating in the ambition to improve
the efficiency of European payments, and that have
been properly tackled by different committees and
associations during last year. First, the definition of a
strategic vision that would provide us with the
direction to identify and meet the needed changes.
The initiative to develop a blueprint for a single Euro
payments area, which has been lead by the three
ECSAs, fits clearly into this first dimension. Second,
the alignment of the committees or organisations that
deal, one way or another, with payments, to enhance
the co-ordination of future work. It is in this respect
that the three ECSAs established a Wise Men group
to provide advice on how to improve the work of
ECBS in line with the new perspective and vision.
Finally, the production of standards must be linked to
the other two mentioned dimensions.
With this encouraging picture, we can say that the
European banking industry has not only appreciated
ECBS work and frequently referred to its standards,
but also identified it as a main player to participate in
the improvement of the current situation, taking
advantage of its technical experience and skills. In
this line, we will see promising changes in the near
future.
Agustin Marquez Dorsch, President
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Message from the President
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Last year, ECBS put efforts in
contributing to the European
constitution related to the
introduction of the Euro
currency.
One of t he hi ghest
p r i o r i t i e s wa s t h e
implementation of the
IBAN to promote straight
t hr ough pr oc es s i ng
(STP) of cross-border
t ransact i ons. We have
accordi ngl y updat ed and
publ i shed sever al r el at ed
documents and a marketing leaflet.
The impressing high number of visits on our
website proves that these publications serve as a
useful information for banks that have to implement
the EC regulation on cross-border transfers in Euro.
ECBS is also focussing on future developments in
payment systems and is participating in various
initiatives working on issues like Secure IC card
reader, El ect roni c Si gnat ure and Mobi l e
Payments. Our important co-operation with SWIFT
has been further intensified also throughout 2001. In
addition, we approved a co-operation agreement with
the European Telecommunication Standards Institute
(ETSI) to fruitfully work together on smart card
security and mobile payments. Resulting from this,
ECBS adopted an Intellectual Property Rights policy
that completes the Modus Operandi founding the
work in the different committees.
In 2001, due to the departure of the Technical
Assistants, the ECBS Secretariat recruited two new
ones, Ms Susanne Kuchmetzki and Mr Henrik
Laidlow-Petersen, and we welcome Susanne and
Henrik on board. We thank especially Mrs Martina
Mac Greevy for the fresh vision she brought on the
work done in ECBS. We wish her the best in her new
duties.
Further, the ECBS Secretariat would like to extend its
thanks and appreciation to those members who left us
during the year, and especially to Mr. Malecki, Mr.
Stolwijk, Mr. Ledru and Mr. Wiedner from the
Executive Committee as well as Mr. Dos Santos and
Mr. Fabiani from the Technical Steering Committee.
Most of these members worked with ECBS since the
beginning. Special thanks goes also to Mr. Von
Ssskind who retired from the European Association
of Co-operative Banks. As representative of one of
our founding members, he was always committed to
fully support the ECBS work.
In 2002, ECBS will reach its ten years of existence
and its founding members will evaluate the results that
ECBS could achieve until then. We are sure that this
evaluation will be very positive and will confirm the
important role that ECBS played in the past also for
the future.
Lon Peeters, Secretary General
Welcome from the Secretary General
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The European Committee for Banking Standards (ECBS)
was formed in December 1992 by Europes three credit
sector associations, the Banking Federation of the European
Union, the European Association of Co-operative Banks, and
the European Savings Banks Group (collectively known as
the European Credit Sector Associations (ECSAs)). The
ECSAs represent the interests of the European banks
from the countries of the European Union (EU) and the
European Free Trade Association (EFTA). Poland and
Hungary have observer status. Other observers include the
European Central Bank, the major payment schemes
(MasterCard/Europay International, and Visa International),
SWIFT, and the Euro Banking Association (EBA). Mondex
International participates in the work related to plastic cards
and other devices. Moreover, ECBS approved a co-operation
agreement with ETSI (European Telecommunication
Standards Institute).
ECBS primary aim is to enhance the European technical
banking infrastructure by developing standards when clear
business and commercial interests have been identified.
ECBS also produces technical reports and standard
implementation guidelines that further assist the European
banking sectors application of relevant standards. It is the
body for creating awareness of the European banking
sectors opinion on relevant matters to the various standards
and industry bodies.
Introduction to ECBS
Organisational Structure
Compri si ng ECSA members,
determi nes and oversees the overal l
pol i cy
Exerci se control over the work
carri ed out i n the di fferent subj ect
areas
Compri si ng banki ng sector country
representati ves and observers,
provi des techni cal di recti on and
manages the work programme
Resourced wi th experts i n the
speci fi c fi el ds, carry out the actual
work
Executive Committee
Technical Steering Committee
Technical Committees
Working Groups
There are four tiers within ECBS as follows:
Four Technical Committees (TCs) report to the Technical Steering Committee (TSC) as follows:
I Payment Cards and Related Devices (Technical Committee 1);
I Automated Cross Border Payments (Technical Committee 2);
I Security (Technical Committee 4); and
I Electronic Services (Technical Committee 6).
The Central Secretariat is responsible for the day-to-day management of ECBS and provides the Secretariat to the Executive
Committee and the Technical Steering Committee.
The European banks continued to work on implementing the
International Bank Account Number (IBAN) and ECBS
updated the IBAN information leaflet to further assist them in
their efforts. In line with the IBAN implementation, the IBAN
standard was updated.
Towards the end of 2001, four new areas of interest emerged
and resulted in active working groups: Embedded FINREAD,
Protection Profiles, Bank Trust Services and Mobile
Payments.
The Technical Committees continued to monitor and support
the European Electronic Signature Standardisation Initiative
(EESSI), various ISO and CEN workgroups, and other
relevant standards bodies and initiatives.
In 2001, ECBS approved the co-operation agreement with the
European Telecommunication Standards Institute (ETSI) in
the areas of security and mobile payments.
8
Achievements during 2001
INTERNATIONAL
PAYMENT
INSTRUCTION
(IPI)
INTERNATIONAL
PAYMENT
INSTRUCTION
(IPI)
International Bank
Account Number
(IBAN)
International Bank
Account Number
(IBAN)
March 2001
A list of all ECBS publications is available on page 14.
Publication Updates
The reports that were updated during the year are:
I Alpha Mapping on Numeric (123) PIN Pads
(EBS100 V 2)
I Banking Sector Requirements for an Electronic
Purse (TR103 V 2)
I Register of European Account Numbers an
overview of the various ways of identifying customer
bank accounts throughout European countries is
presented in this technical report. For each country the
national account number structure and the structure of
the nationally defined IBAN is described (TR201
V2.2.14).
I IBAN Standard Implementation Guidelines (SIG203 V 3)
IBAN International Bank Account Number
(EBS204 V 3)
IBAN Leaflet (LFL9204 V 3)
Those three documents were updated to support the
promotion of the International Bank Account Number
which is necessary to obtain straight through processing
of cross-border credit transfers.
I Financial Sector Cross Border Direct Debit
a technical report that provides the basis on which
cross-border, automated direct debit services may be
developed using national direct debit schemes, which
will remain unaffected (TR205 V 2.2).
I International Payment Instruction (IPI) Standard
(EBS206 V 2)
Country specific requirements and specifications
for the International Payment Instruction (IPI)
(TR202 V 1.1)
Those two documents are prepared to facilitate cross-
border credit transfer by the use of a paper form to be
combined with cross-border invoices.
I Guidelines on Algorithm Usage and Key
Management a technical report, which provides
guidance to the European banking industry in the field of
cryptographic algorithms and related key management
issues (TR406 V 2).
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The work of the four Technical Committees for 2002 is described in the Work Programme Overview
2002, which is available from ECBS. In this section, we provide a brief insight to the key, cross-
committee working areas for next year.
Outlook for 2002
Taking the preparatory work done on mobile commerce in
2001 as base, a working group on mobile payments will
further elaborate this topic. Existing work in this area like
e.g. ETSI M-Commerce project, the Mobile Payment Forum
or the Mobey Forum will be closely monitored and
considered.
Today, within Europe, many electronic banking standards
exist and to avoid a further fragmentation of electronic
banking throughout Europe, our Electronic Services
Committee (TC6) has developed an European Electronic
Banking Standards Framework to be used as a guideline for
electronic banking standards developers. A version 2 of this
report will be developed this year.
In the world of information society, banks may lose their
traditional role as trusted third party for payment products.
This new working group in a joint effort (Electronic
Services and Security) will define a model through which
banks would be able to handle trusted services. They aim at
agreeing on a common position on electronic trust focusing
on interoperability and customer confidence in trust
infrastructures.
SWIFT will work closely with the ePI working group to
develop a standard data container that may be used in
multiple scenarios. The ePI is a set of minimum data (STP
data) that is required to initiate and execute a payment. The
SWIFT message models will be used as the basis for the
ePI. The production of implementation guidelines and a
marketing document will complete this work.
Mobile payments and electronic commerce
electronic Payment Initiator (ePI)
Bank trust services
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Known as Technical Committee 1 (TC1), its aim is to represent the European banking interest in the
payment cards domain. It works closely with the major card schemes to avoid duplication of effort
and monitors and participates in the work of relevant ISO and CEN work groups, and other standards-
making bodies. The United Kingdom provides the Chair and Secretariat for this Technical Committee.
Plastic Cards and Related Devices
TC1 continues to provide input to this workshop and to
assess the impact of the results of this CEN/ISSS workshop
on the European banking sector. The aim of the Embedded
FINREAD workshop is a continuation of the FINREAD
initiative to produce a set of technical specifications for a
secure integrated circuit card (ICC) reader extending from
PCs and other ICC-accepting devices to PDAs, mobile
phones, set top boxes and so on.
A joint effort (Security and Plastic Cards and Related
Devices) will evaluate existing protection profiles relating to
integrated circuit cards and recommend their acceptance by
ECBS. A protection profile as defined by card schemes (i.e.
the user of the protection profile) is a high level description
of security requirements to be used as the basis for
developing the security features of an IT product.
During 2000, TC1 embarked on a joint working effort with
ISO TC68/SC6/WG6 to undertake the drafting of a common
standard that focuses on the requirements and techniques
for off-line Personal Identification Number (PIN) verification.
ECBS has had a major influence on this work and this is a
good example of the importance of the European banks
working together.
TC1 continues to work at an international level and
represents the interests of the European banking sector in
the ISO/TC68/SC6/WG1 working group dealing with the
review of ISO 8583, which is the standard that homogenizes
the financial messages exchanged between card issuers
and card acquirers. This work currently focuses on issues
related to electronic commerce.
Related CEN activities Embedded FINREAD monitoring
Related ISO activities
Protection profiles for the banking industry
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France provides the Chair and Secretariat for this Technical Committee (TC2), which is responsible
for facilitating automation of cross border means of payments other than card based. Their work is
designed to enhance the business opportunities presented to banks as a consequence of the single
market and the European Monetary Union. Their primary aim is to facilitate straight through
processing (STP) transactions, i.e. without the need for manual intervention.
Automated Cross Border Payments
During the year, TC2 has been working closely with
Eurostat on Codification, Unilateral Reporting, and
Asymmetries. As a result of this co-operation, CMFB
(Committee on Monetary, Financial and Balance of
Payments Statistics) agreed that a uniform exemption
threshold of EUR 12,500 would be applicable in 2002. In
addition, a project on a harmonised code list for reporting
transactions was also agreed upon.
The Financial Sector Cross Border Direct Debits technical
report was updated. This report (TR205) contains
information on national direct debit schemes in 17 ECBS
member countries.
ECBS is in the process of reformatting this report. The
document will be split in three parts:
TR 210: Cross border direct debits
TR 211: National schemes
EBS 212: Cross border direct debit returns/revocations
Cross border direct debits
Balance of payments regulatory reporting
International Bank Account Number (IBAN) and
International Payment Instruction (IPI)
TC2 continued its efforts in promoting the International
Bank Account Number (IBAN) across Europe. The IBAN
information leaflet was updated as well as the associated
standard and standard implementation guidelines. The
Register of European Account Numbers (TR201) was also
updated.
The IPI has been updated by including a two-dimensional
bar code. In addition, TC2 published a technical report
defining the country specifications for the IPI.
12
Technical Committee 4 (TC4) focuses mainly on information security. Its aim is to provide guidelines
on security matters for the banking industry and to act as an advisory body to the other Technical
Committees. It monitors the developments relevant to the approved work items in the public domain
standardisation bodies by participating in or producing position papers as input to these bodies.
Austria provides the Chair and Secretariat for this Technical Committee.
Security
Certification authorities
Secure banking over the Internet
Work commenced in 2000 on revising the technical report
on secure banking over the Internet. The first result of the
working group is a two-part technical report that describes
secure emails for banks as users (TR408 Part 1) and
secure emails for banks as infrastructure providers (TR408
Part 2).
Algorithms, key management and digital signatures
In response to the EU Directive on Electronic Signatures,
TC4 has updated the technical report on algorithm usage
and key management (TR406), which provides guidance to
the European banking sector on cryptographic key
management. The updated report takes the work of ISO
and EESSI into account and recommends international
standards.
In 2001, TC4 actively participated in the European
Electronic Signature Standardisation Initiative (EESSI),
monitored and commented the output of the work relating to
certification authorities. Further, TC4 monitored the work of
SWIFT, Identrus and GTA. Apart from supporting TC6 in
working on bank trust services, TC4 will now prepare a
recommendation paper for the relevant areas within
ETSI/CEN and ISO, reflecting the banking perspective.
13
Technical Committee 6 was established at the beginning of 2000 and takes a business view of
electronic services. It represents the European banking requirements in this domain and is in the
process of establishing working relationships with relevant groups and national banking
organisations. The Chair and Secretariat for Technical Committee 6 resides with Germany.
Electronic Services
In 2001, an expert team has been identifying common
European electronic banking requirements. The result
of their efforts is a European Electronic Banking
Standards Framework (EEBSF) that acts as a guideline
for electronic banking standard developers. Closely
liaising with SWIFTs modelling project, TC6 foresees to
develop an updated version of the framework for the
upcoming year.
Work started in 2001 to develop a standard data container
that may be used in multiple scenarios. The ePI is a set
of minimum data that is required to initiate and execute
an STP payment. The SWIFT message models will be
used as the basis for the ePI. The aim is to produce an
implementation guide and a marketing document on an
ePI standard in 2002.
Electronic banking
electronic Payment Initiator (ePI)
TR402 V 2 recommends the banking industry to take a
lead in the area of electronic trust. That was the starting
point for TC6 to further work on this topic. A working group
on bank trust services started their activities in 2001 and
aims at agreeing on a common position on electronic
trust. A common model through which banks will be able
to handle trusted services will be developed .
Bank trust services
Based on the preparatory work on mobile commerce that
has been made available to the banking industry mid
2001, a working group on mobile payments has been
created to continue and intensify the work on this subject.
This group aims at further elaborating the requirements of
the banking community and producing a technical report
on Business and Functional Requirements for Mobile
Payments. The multitude of approaches makes the
documentation of a banking standard in the field of mobile
payments inevitable.
Mobile payments
14
The following documents are available, free of charge, from the ECBS Secretariat. They may also be
downloaded from the ECBS website, http://www.ecbs.org.
ECBS Publications
General Publications
Annual Report 2001, April 2002 [AR9001 V9]
Work Programme Overview 2002, December 2001 [WPO9002 V8]
ECBS Terminology, December 2000 [ORG9003 V2]
Card Related Publications
General
Alpha Mapping on Numeric PIN Pads Standard, February 2001 [EBS100 V2]
Electronic Purse
Banking Sector Requirements for an Electronic Purse, July 2001 [TR103 V2]
Overview of European Electronic Purse Products, March 2000 [TR102 V3]
The Interoperable Financial Sector Electronic Purse
The Interoperable Financial Sector Electronic Purse Standard, June 1999 [EBS111 V1]
Part 1: Transaction Message Flow Implementation Guidelines, April 1999 [IG112-1 V0]
Part 2: Detailed Functional Specifications Implementation Guidelines, April 1999 [IG112-2 V0]
Part 3: Data Dictionary Implementation Guidelines, April 1999 [IG112-3 V0]
Part 4: Minimum Terminal Requirements Implementation Guidelines, April 1999 [IG112-4 V0]
ISO 8583 : 1993 Consistent European Implementation
Part 1: Magnetic Stripe Card Originated Transactions, January 1997 [SIG106- 1 V1]
Part 2: ICC Specific Issues, March 1999 [SIG106-2 V2]
PIN-based POS Systems
Part 1: Minimum Criteria for Certification Procedures, December 1998 [EBS105-1 V2]
Part 2: POS Systems with On-line PIN Verification: Minimum Security and Evaluation Criteria,
December 1998 [EBS105-2 V2]
Part 3: POS Systems with Off-line PIN Verification: Minimum Security and Evaluation Criteria,
December 1998 [EBS105-3 V2]
15
Automated Cross Border Transfers Related Publications
General
European Banking Standard and Implementation Guide for Credit Transfers, August 1999 [EBS200 V3]
European Cross Border Credit Transfer Basic Level Standard, March 1998 [EBS207 V1]
Financial Sector Cross Border Automated Direct Debits, September 2001 [TR205 V2.2]
Use of EDIFACT by the Banking Industry in Europe, March 2000 [TR209 V1.1]
International Payment Instruction (IPI)
Country Specific Requirements and Specifications for the International Payment Instruction (IPI),
January 2001 [TR202 V1.1]
International Payment Instruction (IPI) Standard, May 2001 [EBS206 V2]
International Payment Instruction (IPI) Leaflet, April 1999 [LFL9206 V1]
Standard Implementation Guidelines for the International Payment Instruction (IPI),
August 1999 [SIG208 V1.1]
International Bank Account Number (IBAN)
IBAN: Standard Implementation Guidelines, December 2000 [SIG203 V3]
IBAN: International Bank Account Number Standard, February 2001 [EBS204 V3]
IBAN: International Bank Account Number Leaflet, March 2001 [LFL9204 V3]
Register of European Account Numbers, March 2002 [TR201 V2.2.14]
Security Related Publications
General
Secure Banking over the Internet, March 1997 [TR401 V1]
Certification Authorities, October 1999 [TR402 V2.1]
Key Recovery in Financial Systems, June 1998 [TR405 V1]
Guidelines on Algorithm Usage and Key Management, September 2001 [TR406 V2]
Risk of Fraudulent PIN Capture (restricted distribution), October 1999 [TR407 V1]
The Use of Audit Trails in Security Systems: Guidelines for European Banks, November 2001 [TR409 V1]
Secure E-mail for the Financial Sector
Part 1: Secure E-mail for Banks as Users of E-Mail, February 2001 [TR408-1 V1]
Part 2: Banks and Certification Authorities for Secure E-mail, November 2001 [TR408-2 V1]
Electronic Services Related Publications
General
Electronic Banking, October 1999 [TR600 V1]
European Electronic Banking Standards Framework, July 2001 [TR601 V1]
16
Directors
Representatives of Commercial Banks
Representatives of Savings Banks
Representatives of Cooperative Banks
Observers
Executive Committee Members
Mr U Einhoff Bundesverband deutscher Banken Germany
Mr Ph Giraud-Sauveur Fdration Bancaire Franaise France
Mr A Kuijpers Interpay Nederland BV The Netherlands
Mr R A Mabbott Association for Payment Clearing Services (APACS) UK
Mr J Petersen Nordea Denmark
Mr D Santececca Associazione Bancaria Italiana Italy
Mr J van den Nieuwenhof Belgian Bankers' Association Belgium
Mr A Marquez Dorsch (President) Confederaion Espaola de Cajas de Ahorros Spain
Mr A Nascimento Ribeiro Caixa Geral de Depsitos Portugal
Mr O Sander Deutscher Sparkassen- und Giroverband Germany
Mr X to be appointed
Mr R-C Arnoldt Bundesverband der Deutschen Volksbanken und Raiffeisenbanken Germany
Mr R Boursault Crdit Agricole S.A. France
Mr B Christiaanse Rabobank Nederland The Netherlands
Mr N Bmcke Banking Federation of the European Union
Mr G Pasquali European Savings Banks Group
Mr H Guider European Association of Co-operative Banks
Central Secretariat
Mr L Peeters Secretary General
Ms S Kuchmetzki Technical Assistant
Mr H Laidlow-Petersen Technical Assistant
Ms D Verreck Secretary
17
Chairman
Technical Steering Committee Members
UK Mr R A Mabbott APACS
Vice Chairman
National Representatives
Observers
Austria Mr J Votava Studiengesellschaft fr Zusammenarbeit im
Zahlungsverkehr GmbH (STUZZA)
Belgium Mrs A Demelenne Belgian Bankers' Association
Denmark Mr D Meng Danske Bank
Finland Mr K Nihtil Finnish Bankers' Association
France Mrs M Brachet Socit Gnrale
Germany Mr A Goralczyk Bundesverband deutscher Banken
Greece Mr K Tavlaridis Hellenic Bank Association
Iceland Mr H Steingrimsson Icelandic Banks' Data Center
Ireland Mr J Kelly Ireland Payments Systems Organisation
Italy Mr P Gaggi Associazione Bancaria Italiana
Luxembourg Mr P Felten Kredietbank S.A. Luxembourgeoise
The Netherlands Mr M A A Sonnemans The Netherlands Bankers' Association
Norway Mr K Kvalheim Bankenes Standardiseringskontor
Portugal Mr J L Baptista Sociedade Interbancria de Servios
Spain Mr D Sanz Banco Popular Espaola Bancaria
Sweden Mr H Bergman Swedish Bankers' Association
Switzerland Mr M Klin Schweizerische Kommission fr Standardisierungen im
Finanzbereich (SKSF), UBS AG
Hungarian Banking Association Mr T Foldi
Polish Bank Association Mr J Zarajczyk
Euro Banking Association (EBA) Mr F Boels
Europay International Mr M Kamers
SWIFT Mr C Palmers
Visa International Mr C Hursell
European Central Bank Mr C Reynders
European Banking Federation Mr W Wilms
European Savings Banks Group Mrs F Joyce
European Association of Co-operative Banks Mrs M Van Berkel
18
Members
Plastic Cards & Related Devices Committee Members
Mr G Granger (Chairman) Royal Bank of Scotland plc UK
Mrs F Bennett (Secretary) APACS UK
Mr R Beltrando Groupement des Cartes Bancaires France
Mr H Bergman Swedish Bankers Association Sweden
Mr P G Cattaneo Consorzio Interbancario Lombardo per la Monetta Elettronica Italy
Mr A De Andres Confederaion Espaola de Cajas de Ahorros Spain
Mr D De Geest Austrian Payment Systems Services GmbH Austria
Mrs E Erice Servicios para Medios de Pago Spain
Mr F Fabiani Associazione Bancaria Italiana Italy
Mr E R Fekkes Rabobank Nederland The Netherlands
Mr J Fontaine Bundesverband deutscher Banken Germany
Mr E Galvo Sociedade Interbancria de Servios Portugal
Mr C Gomez Sistema 4B Spain
Mr M Hirvonen Finnish Bankers Association Finland
Mr C Hursell Visa International
Mr M Kamers Europay International
Mr J Kelly Mondex International
Mr S Kilyon Nationwide UK
Mr L Kjller Danish Payment Systems Ltd (PBS) Denmark
Mr I Koehler Deutscher Sparkassen- und Giroverband Germany
Mr D Lescribaa Groupement des Cartes Bancaires France
Mr Y Moulart Proton World Belgium
Mr K Vu CETREL Luxembourg
Mr M Oate Spanish Bankers Association Spain
Mr J C Prez Banco Bilbao Vizcaya Argentaria (BBVA) Spain
Mr D Remondini Consorzio Interbancario Lombardo per la Monetta Elettronica Italy
Mr H R Thomann Payserv AG Switzerland
Mr E A Versluis Interpay Nederland BV The Netherlands
Mr E Versluis (Convenor) Interpay Nederland BV The Netherlands
Mr W H Stokes (Secretary) European Committee for Banking Standards (Consultant)
Mr E Andre Austrian Payment Systems Services GmbH Austria
Mr C Champiot Groupement des Cartes Bancaires France
Mr J Fontaine Bundesverband deutscher Banken Germany
Mr J A Gallego Servicios para Medios de Pago Spain
Mr T Juncker Danish Payment Systems Ltd (PBS) Denmark
Mr G Netenjacob Bank Verlag GmbH Germany
Mr M Perea Servicios para Medios de Pago Spain
Mr J P Rans Europay International
Secretariat
ISO 8583: 1993 Implementation Guidelines (TC1/WG6)
19
Secure IC Card Reader Finread (TC1/WG9)
Protection Profiles (TC1/WG10)
Mr H Laidlow-Petersen (Coordinator) European Committee for Banking Standards
Monitoring function, input provided to Finread projects by TC1 members
Mr L Kjller (Convenor) Danish Payment Systems Ltd (PBS) Denmark
Mr R Beltrando Groupement des Cartes Bancaires France
Mr K Brincat Visa International
Mr D De Geest Austrian Payment Systems Services GmbH Austria
Mr J Fontaine Bundesverband deutscher Banken Germany
Mr H Laidlow-Petersen European Committee for Banking Standards
Mr D Lescribaa Groupement des Cartes Bancaires France
Mr F Loureno Europay International
Mr A Mushing Mondex International UK
Mr R Steenbeeke Interpay Nederland BV The Netherlands (TC4 Liaison)
Mr B Van Gaalen Lloyds Bank UK
20
Automated Cross Border Payments Committee Members
Secretariat
Mr R Boursault (Chairman) Crdit Agricole S.A. France
Mr J P Dupeyroux (Secretary) Comit Franais dOrganisation et de Normalisation Bancaires France
Members
Mr M Adcock APACS UK
Mr J Barr Den Norske Bank Norway
Mr I Beyritz Bundesverband deutscher Banken Germany
Mr F Boels Euro Banking Assocation
Mr J Burgos Burgos Confederaion Espaola de Cajas de Ahorros Spain
Mr J Casati Banca Nazionale del Lavoro Italy
Mr S De Beaumont European Central Bank
Mr R de Keijzer ABN AMRO Bank The Netherlands
Mr S de la Fouchardire BNP Paribas France
Ms A Demelenne Belgian Bankers Association Belgium
Mr L Frnberg Skandinaviska Enskilda Banken Sweden
Mrs E Garcia Garcia Asoiaion Espaola Bancaria Spain
Mr W Haselbach Crdit Suisse First Boston Switzerland
Mr R Hauke Deutscher Sparkassen- und Giroverband Germany
Mr J Jonkheer The Netherlands Bankers Association The Netherlands
Mr Ph Leblanc Banque de France (as representative of the European Central Bank)
Mr M Lopes da Cunha Sociedade Interbancria de Servios Portugal
Mr K Vu CETREL S C Luxembourg
Mr C Palmers SWIFT
Mrs V Pitknen Finnish Bankers Association Finland
Mr M Pomes Bordedebat SWIFT
Mr L Sica Associazione Bancaria Italiana Italy
Mr F Vind Danske Bank Denmark
Mr J Votava STUZZA Austria
Mr C Walraeve European Savings Banks Financial Services Company (EUFISERV)
Mrs A Weber CIB (Central-European International Bank Ltd.) Hungary
21
MT 103 Issues (TC2/WG2) (ON HOLD)
Mr S de la Fouchardire (Convenor) BNP Paribas France
Mr J Jonkheer (Convenor) The Netherlands Bankers Association The Netherlands
Mr B Brunner UBS AG Switzerland
Mr J Burgos Burgos Confederaion Espaola de Cajas de Ahorros Spain
Mr P Daumain Comit Franais dOrganisation et de Normalisation Bancaires France
Mr T Egner Commerzbank AG Germany
Mr B M Felder Deutscher Sparkassenverlag GmbH Germany
Mr A Goralczyk Bundesverband deutscher Banken Germany
Mr OH Hansen Danske Bank Denmark
Mr R Hauke Deutscher Sparkassen- und Giroverband Germany
Mr P Hittinger ABN AMRO Bank The Netherlands
Mr W Hums Bank fr Arbeit und Wirtschaft (BAWAG) Austria
Mr R Jones BACS Ltd UK
Mr M Krogenes Bankenes Standardiseringskontor Norway
Mr P Lacroix Crdit Agricole S.A. France
Mr M Mauriio Sociedade Interbancaria de Servios Portugal
Mrs V Pitknen Finnish Bankers Association Finland
Mr L Sica Associazione Bancaria Italiana Italy
Mr R Widmark SWIFT
Mr P Wynant Belgian Bankers Association Belgium
Bank and Account Identifiers (TC2/WG1)
Mr J Votava (Convenor) STUZZA Austria
Mr M Adcock APACS UK
Mr J M Cruz Sociedade Interbancria de Servios Portugal
Mr P Daumain Comit Franais dOrganisation et de Normalisation Bancaires France
Mr R Hauke Deutscher Sparkassen- und Giroverband Germany
Mr C Palmers SWIFT
Mr A Salomon Bundesverband deutscher Banken Germany
Regulatory Reporting (TC2/WG4) (ON HOLD)
Mr J P Dupeyroux (Convenor) Comit Franais dOrganisation et de Normalisation Bancaires France
Technical Access to Domestic ACHs (TC2/WG3)
22
Cross Border Direct Debit (TC2/WG5)
Mr I Beyritz (Convenor) Bundesverband deutscher Banken Germany
Mr J Barrosso Sociedade Interbancria de Servios Portugal
Mr S de Brouwer Belgian Bankers Association Belgium
Mr J P Dupeyroux Comit Franais dOrganisation et de Normalisation Bancaires France
Mr R Hauke Deutscher Sparkassen- und Giroverband Germany
Mrs F El Moukthafi Crdit Agricole S.A. France
Mr R Jones BACS Ltd UK
Mr J Jonkheer The Netherlands Bankers Association The Netherlands
Mr C Thaarup Nordea Denmark
Mr C Van Es SWIFT
Mr A Vink Euro Banking Association
23
Security Committee Members
Secretariat
Mr R Macho (Chairman) Bank Austria Austria
Mr H Biely (Secretary) STUZZA Austria
Members
Mr J-L Barbut Groupement pour un Systme Interbancaire de Tlcompensation France
Mr C Bedo Citibank Hungary
Mrs A Brestam Swedish Banker's Association Sweden
Mr J-P Boly Europay International
Mr V V de Oliveira Sociedade Interbancria de Servios Portugal
Mr F Fabiani Associazione Bancaria Italiana Italy
Mr P Fjelbye Danish Payment Systems Ltd (PBS) Denmark
Mr R Hagen Bankenes Standardiseringskontor Norway
Mr C Harpes CETREL SC Luxembourg
Mrs U Linde Bundesverband deutscher Banken Germany
Mr A Lozano SERMEPA Spain
Mr D Main Visa International
Mr T Palmer APACS UK
Mr C Ritz BNP Paribas France
Mr M A A Sonnemans The Netherlands Bankers Association The Netherlands
Mr R Steenbeeke Interpay Nederland BV The Netherlands
Mr H Stokes European Committee for Banking Standards (Consultant)
Mr C Thiel Informatikzentrum der Sparkassenorganisation GmbH Germany
Mr W Widmer UBS AG Switzerland
Mr P Wynant Belgian Bankers Association Belgium
Mr T Ylitalo Finnish Bankers Association Finland
Certification Authorities (TC4/WG2)
Mr H Stokes (Convenor/Secretary) European Committee for Banking Standards (Consultant)
Mr J Antunes Sociedade Interbancria de Servios Portugal
Mr J L Barbut Groupement pour un Systme Interbancaire de Tlcompensation France
Mr R Hagen Bankenes Standardiseringskontor Norway
Mr F Huygens ISAServer S.A. Belgium
Mr P Fjelbye Danish Payment Systems Ltd (PBS) Denmark
Mrs U Linde Bundesverband deutscher Banken Germany
Mr T Palmer APACS UK
Mr M A A Sonnemans The Netherlands Bankers Association The Netherlands
Mr B van de Velde Interpay Nederland BV The Netherlands
Mr M Ward Europay International
24
Secure Banking over the Internet (TC4/WG6)
Mr C Harpes (Convenor) CETREL SC Luxembourg
Mr H Stokes (Secretary - Project Editor) European Committee for Banking Standards (Consultant)
Mr J L Barbut Groupement pour un Systme Interbancaire de Tlcompensation France
Mr P Fjelbye Danish Payment Systems Ltd (PBS) Denmark
Mr J Grossar Europay International
Mr C Lopez Sociedade Interbncaria de Servios Portugal
Mr A Lozano Rodriguez SERMEPA Spain
Mr D Main Visa International
Mr S Melkuhn Lloyds TSB UK
Mr T Palmer APACS UK
Mr R Zitzelberger Informatikzentrum der Sparkassenorganisation GmbH Germany
Generic Guidelines on Algorithm Usage and Key Management (TC4/WG9)
Mr J L Barbut (Convenor) Groupement pour un Systme Interbancaire de Tlcompensation France
Mr V V de Oliveira Sociedade Interbancria de Servios Portugal
Mr P Fjelbye Danish Payment Systems Ltd (PBS) Denmark
Mr R E Goudriaan ING Bank The Netherlands
Mr C Harpes CETREL SC Luxembourg
Mr A P Hiltgen UBS AG Switzerland
Mr F Huygens ISAServer SA Belgium
Mrs U Linde Bundesverband deutscher Banken Germany
Mr D Main Visa International
Mr M Ward Europay International
25
Secretariat
Mr I Beyritz (Chairman) Bundesverband deutscher Banken Germany
Electronic Services Committee Members
Members
Mr H Biely STUZZA Austria
Ms E Binier Socit Gnrale France
Mr W Binkowski PKO Savings Bank Poland
Mr P Braun OTP Bank Hungary
Mr J Corts Prez Banco Bilbao Vizcaya Argentaria Spain
Mr T Dirienzo Barclays Bank United Kingdom
Mr G Fodor Bankszovetseg Hungary
Mr H Forster UBS Switzerland
Mr Y Gailly BNP Paribas France
Mr D Jamet Socit Gnrale France
Mrs U Linde Bundesverband deutscher Banken Germany
Mr P Lysakowski Polish Bankers Association Poland
Mr M Magi Spinetti Associazione Bancaria Italiana Italy
Mr B Michaud Groupement des Cartes Bancaires France
Mr C Pedersen Danish Bankers Association Denmark
Mr M Pomes Bordedebat SWIFT
Mr C Reynders European Central Bank
Mr J Riddell Visa International
Mr F Rockenbrod Dexia Banque Internationale Luxembourg Luxembourg
Mr A Salomon Bundesverband deutscher Banken Germany
Mr M Stein Informatikzentrum der Sparkassenorganisation GmbH Germany
Mrs A Sundqvist Swedish Bankers Association Sweden
Mr W C Westerhof Rabobank Nederland The Netherlands
Mr P Wynant Belgian Bankers Association Belgium
Mr T Ylitalo Finnish Bankers Association Finland
Electronic Banking (TC6/WG1)
Mr A Salomon (Convenor) Bundesverband deutscher Banken Germany
Mr M Adcock APACS United Kingdom
Mr I Bal ING Bank The Netherlands
Mr H Biely STUZZA Austria
Mr J M Cruz Sociedade Interbancria de Servios Portugal
Mr J P Dupeyroux Comit Franais dOrganisation et de Normalisation Bancaires France
Mr H Forster UBS Switzerland
Mr M Pomes Bordedebat SWIFT
Mr M Stein Informatikzentrum der Sparkassenorganisation GmbH Germany
26
electronic Payment Initiator (TC6/WG2)
Mr J Geissler (Convenor) STUZZA Austria
Mr I Beyritz Bundesverband deutscher Banken Germany
Mr P Daumain Comit Franais dOrganisation et de Normalisation Bancaires France
Mr S Debeaumont European Central Bank
Mr O H Hansen Danske Bank Denmark
Mr M Hnisch Deutscher Sparkassen-und Giroverband Germany
Ms M Khouzam UBS AG Switzerland
Mr C Klauda sterreichische Volksbanken AG Austria
Mr P Kunz Credit Suisse Financial Services Switzerland
Mrs V Pitknen Finnish Bankers Association Finland
Mr M Pomes Bordedebat SWIFT
Bank Trust Services (TC6/WG3)
Mrs U Linde (Convenor) Bundesverband deutscher Banken Germany
Mr A Bertsch Informatikzentrum der Sparkassenorganisation GmbH Germany
Mr C Gregory Lloyds Bank UK
Mr M Hale Barclays Bank UK
Mr J Keogh SWIFT
Mr S Schumacher Bundesverband deutscher Banken Germany
Mr H Stokes European Committee for Banking Standards (Consultant) (Liaison TC4/WG2)
Mr T Valsemey Crdit Lyonnais France
Mr P Vermeulen SWIFT
Mr B von Rochow Swiss Commission for Financial Standardisation Switzerland
Mobile Payments (TC6/WG4)
Mr B Michaud (Convenor) Groupement des Cartes Bancaires France
Mr H Bengtsson Freningssparbanken Sweden
Mr A Bordel Sermepa Spain
Mr R Bye Union Bank of Norway Norway
Mr J C Diaz Sanchez Confederaion Espaola de Cajas de Ahorros Spain
Mr B Feiken ING/Postbank The Netherlands
Mr J Fontaine Bundesverband deutscher Banken Germany
Mr O Hommel Bundesverband der Deutschen Volksbanken und Raiffeisenbanken Germany
Mr M Kamers Europay International
Mrs L Kanniainen Nordea Finland
Ms S Kuchmetzki European Committee for Banking Standards
Mr H Kuokka Sampo Bank Finland
Mr J Leather Lloyds TSB UK
Mr M Le Conte Cedicam France
Mr J Pals Interpay Nederland BV The Netherlands
Mr P A Rahtgen Danish Payment Systems Ltd. (PBS) Denmark
Mrs C Schemkes Deutscher Sparkassen- und Giroverband Germany
Mr H Thomann Payserv Switzerland
Mr A Turner Abbey National UK
Mr B Van Der Lande Banksys Belgium
Mr B Von Rochow Swiss Commission for Financial Standardisation Switzerland
27
European Committee for Banking Standards
(ECBS)
Avenue de Tervueren, 12,
1040 Brussels, Belgium
Tel: + 32 2 733 3533
Fax: + 32 2 736 4988
E-mail: ecbs@ecbs.org
http://www.ecbs.org
Editeur responsable: L.Peeters, Secrtaire Gnral ECBS Av. de Tervueren,12 1040 BXL - AR9001 V9 - 04/2002