Java Card System Protection Profile

Sun Microsystems, Inc. announced the release of the first Java Card System Protection Profile. This Protection Profile reduces the time and cost for Java Card licensees to complete security evaluations under Common Criteria. Sun will provide a reusable set of security requirements specifically for the Java Card platform. Java Card products evaluated using Common Criteria provide licensees with the ability to meet the increasing demand by banks, governments and other card issuers for security evaluations.

Common Criteria was developed in 1996 as the combination of the Canadian Criteria, Federal Criteria and Information Technology Security Evaluation Criteria (ITSEC) to provide standards for security evaluation of IT products that would be accepted in the international community. For examples, Common Criteria evaluation is required for digital signature cards in Europe and as national identity cards in various countries. As the process evolves, and more products become available with Common Criteria certification, its adoption continues to expand. The Common Criteria process was designed to support the specification and procurement of products with security attributes which enables secure international commerce and communication.

“Java Card technology is the most cost-effective, capable and secure technology available in the market today,” said Peter Cattaneo, director of Java Card Business, Sun Microsystems. “By delivering the Java Card System Protection Profile, Sun is making it easier for licensees to meet the increasingly higher levels of security evaluation that are being demanded by major cards issuers worldwide. This is another example of Sun ensuring that the Java Card licensee community has the tools required to address market needs.”

The release of the Java Card Protection Profile is the result of two years of collaboration with the smart card community and security experts to provide Java Card vendors with a tool to help them address the growing demand for Common Criteria certified products. The Protection Profile streamlines the process and lowers the cost for Java Card licensees to introduce products that meet the security evaluation standards required by governments, banks and commercial enterprises.

Many Java Card products deployed today include card loading and management functionality based on the GlobalPlatform () specifications. Smart Cards containing both Java and GlobalPlatform are widely deployed by banks and governments including the Visa member banks and the US Department of Defense.

“We believe that the demand for security certified products will grow rapidly and are pleased that Sun Microsystems has released the Java Card System Protection Profile to address Common Criteria certification,” said Marc Kekicheff, Technical Director of GlobalPlatform. “We have been working closely with Sun to insure that the Protection Profile is aligned with the needs of GlobalPlatform members and the recently released GlobalPlatform Card Security Requirements Specification.”

Java Card technology is the industry’s leading open and secure standard for multi-application smart cards. With more than 50 licensees in 15 countries around the world, Sun’s Java Card technology is the most widely adopted smart card platform. Together, licensees have shipped more than 300 million units.

For more information on Java Card technology, please visit .

About Sun Microsystems, Inc.

Since its inception in 1982, a singular vision — “The Network Is The Computer” — has propelled Sun Microsystems, Inc. to its position as a leading provider of industrial-strength hardware, software and services that make the Net work. Sun can be found in more than 100 countries and on the World Wide Web at



SVPCo announced that M&T Bank has taken an ownership stake in SVPCo, the private-sector payments company providing ACH services through its ACH Operator, the Electronic Payments Network (EPN), and check “electronification” services through the Electronic Clearing Service (ECS) to more than 1,000 financial institutions nationwide.

With the addition of M&T, SVPCo participating banks represent more than 59% of the volume of checks cleared in the U.S and 34% of the ACH origination volume. This provides SVPCo with the critical mass essential to continue its enhancement of the ACH process and aggressively advance electronic payments, including images as a replacement for paper in the check clearing process.

“This very well-respected regional bank has joined the other 20 SVPCo owner banks in our mission to convert checks to electronic payments as early in the clearing process as possible,” said Hank Farrar, President of SVPCo. “We look forward to adding M&T to our expanding network, and their intellectual capital to our endeavors to create robust private sector payment systems.”

SVPCo offers a variety of products and services including Electronic Clearing Services (ECS), which is the nation’s largest provider of Electronic Check Presentment services, operating 368 exchanges per day, representing $3.4 billion and 4.4 million transactions per day. ECS is rapidly developing an image exchange network to add value to its ECP services. It also includes the Electronic Payments Network (EPN) for ACH, and SafeCHECK for check conversion.

Today, U.S. payments are shifting from paper to electronic, but checks will still be written for the foreseeable future. “As long as customers choose to write checks, we will work as an industry utility to reduce costs and improve the efficiency of the clearing process,” said Mr. Farrar.

“We already use the Electronic Payments Network for ACH services,” said Lin Szenina, Senior Vice President of M&T Bank, “and we’re enthusiastic about electronic check exchange, which serves as a foundation for check truncation by exchanging check images with other banks in the marketplace.”

The Image Exchange utility is an open system where all banks, all sizes, in all locations, can exchange images directly or through others. It will be operational for image forward presentment and electronic returns in first quarter 2004.


SVPCo is owned by 21 of the largest banks in the United Sates, representing over 59% of U.S. commercial bank deposits. SVPCo owner banks are: [ABN AMRO][1], [Bank of America][2], [The Bank of New York][3], [Bank One][4], [BB&T][5], [Citibank][6], [Comerica, Deutsche Bank Trust Company Americas][7], [Fleet National Bank][8], [HSBC Bank USA][9], [JPMorgan Chase Bank][10], [KeyBank][11], [Mellon Bank Corporation][12], [M&T Bank][13], [National City Bank][14], [PNC Bank][15], [SunTrust][16], [U.S. Bancorp][17], [Union Bank of California][18], [Wachovia Bank][19], and [Wells Fargo Bank][20]

M&T Bank

M&T Bank is considered one of the country’s strongest and most highly regarded regional banks. It was founded over 140 years ago in Western New York, where it is still headquartered. M&T Bank Corporation is the nation’s 25th largest bank holding company, with assets of over $33 billion as of December 31, 2002. It has over 470 branches throughout New York, Pennsylvania, Maryland and West Virginia and a sizable ATM network of more than 1,000 locations as well as state-of-the-art telephone and Web Banking. M&T Bank is recognized for its financial strength and sound management.



Delta Miles for AmEx Financial Advisor

American Express Financial Advisors and Delta Air Lines announced a marketing relationship to allow members of Delta’s frequent flyer program to earn miles through a consultation with an American Express financial advisor.

SkyMiles members now can earn 3,000 miles and Medallion members can earn 5,000 miles for an initial face-to-face consultation with an American Express financial advisor. Additionally, SkyMiles members can earn 10,000 miles and Medallion members can earn 15,000 miles by completing a financial plan.

“Delta and American Express have one of the most successful partnerships in the travel industry,” said Christine Pierce, Delta’s Director of Partnership Marketing. “We are pleased to broaden this relationship and offer SkyMiles members the opportunity to earn miles with American Express Financial Advisors.”

This agreement furthers the existing relationship between Delta and American Express, which includes the co-branded Delta SkyMiles(R) Credit Card from American Express, Delta’s participation as a partner in the Membership Rewards program, the ability for American Express to sell comprehensive travel insurance through Delta channels and the acceptance of American Express Cards for all Delta purchases.

“This agreement brings our relationship with one of our key partners, Delta Air Lines, to a new level and allows us to bring a benefit to SkyMiles members that is in high demand today,” said Jim Cracchiolo, Chairman and Chief Executive Officer of American Express Financial Advisors and President of American Express Global Financial Services. “Now, SkyMiles members can meet with a financial advisor and do planning to help meet financial goals, while collecting miles toward future travel in the process.”

To find a local American Express financial advisor, visit [][1].

All SkyMiles program rules and conditions apply. To join Delta’s SkyMiles program, visit [][2].

American Express Financial Advisors is one of the nation’s leading financial planning companies. More than 10,100 American Express financial advisors help manage the personal economy of more than 2.6 million clients in the United States through comprehensive, long-term financial planning and high-quality financial products. For more information, visit the company’s Web site at [][3].

Travel services and charge cards are made available through American Express Travel Related Services Company, Inc. Credit and deposit services are made available through American Express Centurion Bank, a federally insured financial institution.

Delta SkyMiles members earn mileage by flying Delta, Song, Delta Express, Delta Shuttle, Delta Connection and Delta’s worldwide partners, including Delta’s SkyTeam partners. The Delta SkyMiles program offers many other mileage-building opportunities, including the Delta SkyMiles(R) Credit Card from American Express, AT&T telecommunication services, EarthLink(TM) Internet services, participating hotels, car rental companies, restaurants, home buying and selling, cruise line and flower purchases.

Delta Air Lines, the world’s second largest airline in terms of passengers carried and the leading U.S. carrier across the Atlantic, offers 5,386 flights each day to 435 destinations in 78 countries on Delta, Song, Delta Express, Delta Shuttle, Delta Connection and Delta’s worldwide partners. Delta is a founding member of SkyTeam, a global airline alliance that provides customers with extensive worldwide destinations, flights and services. For more information, please go to [][4].

American Express Financial Advisors Inc. Member NASD. American Express Company is separate from American Express Financial Advisors Inc. and is not a broker-dealer.




The second largest pharmacy in Canada and eighth largest pharmacy in North America has signed a multi-year agreement to become a sponsor in Canada’s “AIR MILES Reward Program,” operated by Alliance Data Systems. The Jean Coutu Group will offer “AIR MILES” in its 248 stores throughout the province of Quebec. Jean Coutu’s Canadian network comprises 269 PJC outlets, 39 PJC Clinics and 2 PJC Sante Beaute, all franchised, in Quebec, New Brunswick and Ontario. The American
Brooks Pharmacy network has 330 corporate pharmacies in seven states in the northeastern USA. More than 12.5 million Canadians actively collect “AIR MILES” reward miles at more than 100 brand-name sponsors representing over 12,000 retail and service locations across Canada.


PayPass Progress

MasterCard’s “PayPass” pilot in Orlando, now in its fourth month, has reached 16,000 cardholders and nearly 60 merchant locations. MasterCard also reported yesterday that it is working with Nokia to incorporate “PayPass” into mobile phones. A Nokia market trial is currently underway in Dallas using a system provided by JPMorgan Chase. Using MasterCard “PayPass” consumers simply tap or wave their payment card on a specially equipped merchant terminal that then transmits payment details wirelessly. Chase, Citibank and MBNA are involved in the Orlando pilot. Customized solutions for gas pumps, theatre box office windows and drive-thrus are being used in the Orlando trial. Besides promoting “PayPass” in the Orlando area through print, billboard and radio advertisements, MasterCard has developed a promotion which rewards cardholders with two movie passes when they use their “PayPass” card five or more times at participating retailers before June 15th. In Dallas, the Nokia phone “SmartCover” is embedded with a contactless chip and a radio frequency circuit. The chip has been specially programmed with pre-registered MasterCard payment account information.



OTI announced the commercial launch of its “SMART Antenna” which provides
plug and play optimal performance to support contactless payment solutions,
in terms of legacy systems, throughput, and reliability. The “SMART
Antenna” is built on the “Saturn” reader product line and is fully
compliant with the ISO14443 standard. The “Saturn” reader and “SMART
Antenna” merchant solution is currently being used in the MasterCard
“PayPass” trial in Orlando, Florida, where Loews Cineplex, several
drive-thru fast food locations and a variety of other businesses are



Samsung Electronics has selected Teradyne’s “Integra J750” with RFID for a contactless smart card test. Teradyne’s “J750 with RFID Option” is the only solution available to support customers from characterization through design verification to high volume contactless smart card production. The Samsung smart card is designed with a dual interface where a contactless interface coexists with a contacted interface. Synchronization between digital channels and the RFID test instruments is critical.
The “J750’s” high-throughput test capability provides as high as 95% parallel test efficiency for up to 32 devices.


KeyMiles Debit MC

Cleveland-based KeyBank officially launched its new “KeyMiles” debit MasterCard which offers Continental Airlines “OnePass” miles for signature debit transactions. Cardholders accrue one mile for each $2 in debit card purchases. The card carries a $30 annual fee. Up to five debit cards can be issued per account. Existing KeyBank customers, including small business owners, are being given the opportunity to upgrade to the new card. KeyBank has two million “MasterMoney” debit cardholders. KeyCorp announced the program in February, becoming the second U.S. issuer to offer Continental “OnePass” miles for signature debit POS transactions. In February 1999, Chase Manhattan launched the first co-branded debit card program in the USA. Teaming with Continental Airlines, Chase offers one “OnePass” mile for every two dollars spent on both PIN and signature purchases. Chase has since launched a business debit card version of the program. (CF Library 3/20/98; 5/4/98; 2/23/99; 8/3/99; 2/7/03)



ActivCard has qualified Giesecke & Devrient’s “Sm@rtCafe Expert Java Card” as compliant with its “Identity Management System,” “Gold” smart card middleware, “ID Applet Framework,” and the “AAA Authentication Server.” The combined technology from ActivCard and G&D enables system integrators and value added resellers to deliver consolidated identity solutions that merge their customers’ traditional facility and physical ID badge security with the growing number of network security credentials assigned to each employee and partner. Together, the products meet the rigorous demands of enterprise-class ID card initiatives that increasingly require the capabilities and assurances of secure applet loading, post-issuance card updates, and PKI capability.


Settlement Complaint

MN-based TCF Financial, the 16th largest issuer of VISA debit cards with more than one million cardholders, has filed a “motion to intervene” with Federal district court Judge John Gleeson over the proposed debit card settlement between retailers and the card associations. In the complaint TCF says its interests are not currently represented before the Court and that fees for debit cards should not be set by lawyers negotiating in a room, but rather by the marketplace. TCF says the proposed settlement places the entire burden for price changes on VISA’s debit-card issuers, not its credit-card issuers. In the settlement, VISA and MasterCard agreed to pay $3 billion over ten years to retailers, give up their “Honor All Cards” policy, and agree to cut debit card fees by at least a third. The new debit card interchange rates will go into effect by August 1, 2003. TCF says the lost revenue due to the lower interchange may force the bank to levy an annual fee for its debit card. (CF Library 5/1/03)



Virgin has entered the Australian credit card market with a new, aggressively priced co-branded MasterCard. The entry “down under” follows Virgin’s launch in January 2002 of the “Virgin Credit Card” in the UK, which has attracted more than 300,000 cardholders to-date. The new “Virgin MasterCard” for Australia is being issued by
Westpac Banking in association with Virgin Money Group, a joint venture between Virgin and AMP. The new card features the “Mates Rates” rewards which offers cardholders automatic, instant discounts when using the card at participating merchants. “Mates Rates” partners include Holiday Inn, Chemworld Chemists, Bob Jane T-Marts,, AOL, Sea World, Australia Zoo, and dozens more. The “Virgin MasterCard” offers a six-month 4.9% intro rate followed by ongoing interest rate of 11.9%. There is no annual fee and a 55 day grace period. Virgin says a recent study showed that 84% of Australian consumers said they would consider swapping to a card with no annual fees, good rewards and a significantly lower interest rate.