Card Service Life - How Long is Enough?

When I was a boy around 10 years old, I overheard my mother discussing a recent death, and my mom said "He was a young man, just 45!" I thought to myself, heck that is an old man, what is she talking about? Now when I hear of someone passing away like the actor Dudley Moore, I say "He was a young man, just 65!" It's all relative like Einstein used to say.

Well it's the same with cards. A bank card issuer would be pleased as punch to have a card last three-plus years, while a drivers license issuer would say, "That's a young card to
fail so soon."

The US ANSI NCITS B10 Standards Committee (B10) has been working on card service life issues since 1995. The first phase was to establish accelerated testing methods for evaluating the durability of various card features. The first B10 Card Durability Test Method Standard, NCITS 322 was released in 1998 and a new edition is ready for publication. B10 now has four card service life projects in place:

1. Capturing field failure data from a college student ID card (now nearly halfway through a 4-year program).
2. Cooperative program with a major card issuer to capture field failure data for credit cards.
3. Developing methods for classifying card service life parameters.
4. Application of statistical methods
to evaluate card service life test results.

This year, the International Card Standards Committee, ISO/IEC JTC1 SC17 WG1 (lets call it WG1 for short) has also begun work on establishing accelerated methods to quantify card service life. At the last meeting of WG1, Germany presented a sequence of card tests to evaluate the relative durability of cards. The test sequence is intended to simulate accelerated aging of cards. The philosophy of the German method is to do an overall accelerated aging of the card, then evaluate the quality of the card.

The U.S. philosophy has been to develop accelerated aging test methods of individual card features to simulate accelerated aging, then evaluate the quality of the feature after the accelerated aging. I think there is a need for both types of testing.

Most of the German accelerated aging tests use test methods already available either from the ISO/IEC 10373 card test methods series developed by WG1 or existing ISO tests. However, one of the promising new tests uses a standard "dirt" which was developed as means of testing banknotes. Cards are placed in a laboratory style vibrating machine along with glass balls and the standard dirt.

France and Japan also had contributions for the first meeting. So now the International WG1 committee is also moving forward, along with ANSI's B10 to develop card service life standards.

Several ICMA members from around the world are participating in these efforts. The results will not be standards in the usual card standard context, but they will provide a platform for specifying, developing and evaluating of card service life parameters.

In Appreciation!

John Rodakis has announced his retirement from card standards activities. Formerly of Polaroid and now of Rodakis & Associates, John was a key leader in starting work on card service life, serving as the first chair of ANSI B10's card durability committee in 1995. John, a pioneer in card industry standards, had many other firsts, including serving as the first convenor of the ISO/IEC JTC1 SC17 WG10 Committee for International Drivers Licenses. John will still be active in card development consulting. Thanks John!

Please note that the opinions expressed here are the author's own and have no sanctions, positive or negative, from U.S. or international standards committees of which he is an officer and ICMA whom he represents on the committees.


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