Prime Factors Blog

Dave Tushie

Dave has been involved with EMV payment solutions for more than 20 years, and pioneered development of EMV issuance software. He co-founded UbiQ Inc., a smart card issuance software provider, and Magellan Consulting, Inc., which specializes in smart card payment and ID systems. He has worked for Datacard and NBS Technologies and currently provides consulting to the International Card Manufacturing Association (ICMA). As product manager for Prime Factors’ Bank Card Security System, Dave is responsible for product strategy, development and marketing. His EMV expertise is highly sought after, and Prime Factors is delighted to share his knowledge with you.
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Recent Posts

Estimates of 2015 EMV Penetration Out-of-line with Experience

Posted by Dave Tushie on May 12, 2015 6:00:00 AM

There seems to be a pre-occupation in the media with forecasts of the percentage of EMV-compatible cards issued and merchants ready for EMV transactions when the liability shift date occurs in the USA on October 1, 2015. The underlying assumptions seem to suggest that if we don't have near 100% cards issued and merchant participation that the whole EMV migration is somehow pointless. This is so misguided that it is hard to know where to start.

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Topics: Payment Card Personalization

The HSM Master File Key Guidance PCI Neglected to Give...

Posted by Dave Tushie on Dec 16, 2014 5:27:00 PM

PCI provides guidance on interpretation of its requirements for secure card production and personalization for magnetic strip and EMV integrated chip cards via its FAQs, published periodically. Recently (July, 2014), a question was asked as follows:

Can vendor and issuer keys exist at another site, such as for subcontracted card production activities, or for disaster recovery purposes?

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Topics: Payment Card Personalization

Key Drivers for PCI Tokenization and Calls for New Standards

Posted by Dave Tushie on Aug 12, 2014 9:37:57 AM

The scale and consequences of the recent high profile data breaches are key drivers for pci tokenization proposals. In the last week we have seen a couple of announcements calling for the creation of standards for card data tokenization, to enhance protection of payment card transactions. First, we heard this appeal from a coalition of retail industry trade groups including the National Retail Federation, Retail Industry Leaders Association, National Restaurant Association, Merchant Advisory Group and several others in an open letter to the industry. Then the SRPc, a national association of EFT networks, made the call for development of open standards around tokenization.

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