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Company MasterCard / American Express / APACS / / Continent Europe / / Country Germany / France / United States / Netherlands / Italy / Canada / Australia / United Kingdom / Sweden / Finland / Ireland / / Currency GBP / EUR / / IndustryTerm token-based remote card authentication infrastructure / 3D secure payment technologies / contactless card payment infrastructure / comparable banking markets / bank-owned cash machines / payment systems / banking / credit card products / institutions delivering payment services / stand-alone product / personal account banking / project management / interoperable communication protocols / retail banking costs / secretariat services / banking systems / / Organization office of Fair Trading / Irish Financial Services Regulatory Authority / European Payments Council / JCB / Diners Club / European Union / Irish Government / / Person Maestro / / Technology interoperable communication protocols / 3D secure payment technologies / ATM / / SocialTag 
APACS RESPONSE TO THE EUROPEAN COMMISSION INTERIM REPORT ON PAYMENT CARDS 1. Introduction