TransLink Expands

Less than six weeks after the start of a six-month pilot program for the TransLink regional fare payment system in the San Francisco Bay Area, the size of the test program may nearly double. The Metropolitan Transportation Commission and a half-dozen Bay Area transit operators agreed yesterday to issue as many as 2,000 to 3,000 additional TransLink smart cards to new pilot program volunteers over the next few weeks. The first batch of TransLink smart cards were mailed to some 4,300 program volunteers in late January, and the pilot program began Feb. 1 on selected routes and at certain stations of six of the region’s largest transit agencies. Each TransLink smart card distributed to pilot program volunteers is pre-loaded with $3 in TransLink e-cash. Participants in the demonstration can load additional value onto their smart cards at self-serve Add Value Machines in transit stations and some 40 retail locations throughout the Bay Area, or by calling the TransLink Customer Service Center. The group also announced yesterday that TransLink is scheduled to go into operation next month throughout San Francisco’s Muni Metro light-rail system. (CF Library 1/31/02)



Consumers are placing themselves at serious
of becoming fraud victims in the wake of a new crime that has arrived from the
US and is spreading across Britain, according to two surveys commissioned by
Experian, the information solutions company and leading provider of fraud
prevention solutions.

Bin raiding – the process of searching through bins to obtain personal
financial information to commit fraud – is growing at a phenomenal rate in the
UK but consumers remain unaware and, as yet, uninformed of its dangers. Bin
raiding is already widely recognized in the US, where it is known as dumpster
diving, with Americans being far more aware of the issue and taking much
greater care over how they discard their financial information.

To find out the extent to which people leave themselves vulnerable to identity
theft, Experian, in conjunction with Nottingham City Council and with the
support of Nottinghamshire Police, commissioned an independent, data
registered research company to analyze the contents of hundreds of domestic
refuse bins under controlled, secure conditions, to see what people were
throwing away which could be useful to fraudsters. All data was anonymized to
ensure that nobody’s privacy was infringed.

The most worrying aspect of this new type of crime is that consumers continue
to discard significant quantities of personal financial information which can
and are being used by fraudsters to commit transaction fraud and identity
theft. The results of this research showed that:

· On average one in every five bins contains a whole credit or debit card
linked to an individual name and 80 percent of these have an associated
date. In more affluent areas, up to two in five bins (40 per cent) contains a
whole credit or debit card number linked to an individual name and 80 percent
of these have an associated expiration date.

· Only 14 percent of household rubbish bins contain absolutely no information
of interest to fraudsters.

· Almost three quarters (72 per cent) of bins contain the full name and full
address of at least one household member.

· Bank account details are regularly found in bins and, on average, one in
five bins contains a bank account number and sort code that could be
related to
the full name and address of a household member. In more affluent areas, 27
percent of bins contains bank account numbers and sort code details.

· Only rarely were attempts made to destroy information. Just eight per
cent of
households throwing away full card numbers had made attempts to destroy the
documents, and only one percent of households had been successful.
In a second survey commissioned by Experian to find out how widespread the
problem of bin raiding is, it was revealed that 75 percent of local
authorities admit that bin raiding is regularly taking place in their area
of these, 80 percent agree that the problem is getting worse.

“It is staggering what people throw away,” commented Gareth Jones, Head of
Fraud at Experian. “One bin contained a signed blank cheque and another an
unused cheque book. From one bin, there was an individual’s full name,
date of birth, bank account number, sort code, employment details, and medical
information. This person had also thrown away a whole benefit book, utility
bill, and other official letters that might be used to corroborate identity.
There was also significant information about this person contained in a
completed passport application.

“Just as worrying is how widespread bin-raiding has already become. While
it is
predominantly an urban phenomenon at this stage, it is already spreading into
rural areas. Not one local authority surveyed denied that bin-raiding
occurs in
their area.”



Cubic Transportation Systems Ltd., in England, a subsidiary of San Diego-based Cubic Corp., has received a Euro2.2 million ($2 million U.S.) contract from the Rotterdam Electronic Tram to install the Netherlands’ first “gated” public transit fare collection system.

Under the contract, Cubic will provide and maintain an innovative access control system for six new stations of the Benelux Line in Rotterdam, the most recent extension of the Rotterdam metro network, which begins operation this year. The system consists of gates and a central computing sub-system.

The new system has a series of gates that allow the traveller access to the station with tram, bus card, or season ticket. Data is loaded to and collected from the gates by the computer sub-system. With the new system, RET can easily obtain information regarding travel patterns which will help in planning for the transportation needs of the future. The system will provide RET several benefits including increased revenue by reducing fare evasion, the mentioned travel data, and most importantly, provide added security by restricting access to legitimate passengers. This last aspect is in concert with Cubic’s expansion into security access control. The design of the access system also allows RET to connect to a national electronic ticketing system. The Netherlands has plans for such a system and this contract with RET places Cubic in a good position for the future.

Cubic, the world leader in automated fare collection, is teamed with EDS, a leader in IT operation and management, on this project as well as other joint pursuits in Europe. Cubic is providing the entire system while EDS is providing operational services.

According to RET commercial director, Trix van Bennekom, “When deciding on Cubic and EDS, we chose a combination of international expertise and practical experience in order to guarantee the best possible solution for our passengers.”

Ray deKozan, chairman, Cubic Transportation Systems, said, “We are pleased to be working on this, our first transit project in the Netherlands and proud that our proven expertise and reputation in the international community, especially in London, positioned us to be selected for this project. Our hope is that this is to be the first of several transit projects in the Netherlands.”

Cubic is the world’s largest supplier of integrated ticketing and automated fare collection systems for mass transit, including magnetic and smart card ticket media.

Every year, at least 10 billion passengers on five continents in more than 40 major markets pay for their mass transit rides using Cubic-designed payment systems. Cubic’s installations include London, Washington DC, Hong Kong, Chicago, New York, Guangzhou, Shanghai, Atlanta, San Francisco, Sydney, Singapore, and Miami, among others.

Cubic’s other major segment, the Cubic Defense Group, provides instrumented air and ground combat training systems, battle command training simulations, and simulation support for United States and allied military forces. The Group also produces high technology avionics, data links and communications products for government and commercial customers and provides a wide range of technical and logistics services. For more information about Cubic, see the company’s Web site at


Careless Americans

A new survey shows Americans are very concerned about someone obtaining their credit, debit, or check card numbers, but at the same time a surprising number of Americans are careless when it comes to disposing of receipts. According to a recent Paymentech survey, almost half the population is more concerned about someone obtaining their credit, check, or debit numbers than about losing their car keys, checkbook, appointment book, cell phone, or even having someone hack into their computer files. Yet 35% of those polled said they are “just a little” or “not at all” concerned that many receipts expose entire account numbers and expiration dates. On those occasions where consumers do not keep the receipt from a credit card purchase, 33% throw the receipt away after tearing or shredding it, 13% throw the receipt away without tearing or shredding it, 13% leave it in the bag they got with the purchase, 2% leave it with the clerk, store, or restaurant, and 24% never throw away any receipts. When informed that some receipts expose the entire series of sixteen card numbers and expiration dates used to make the purchase, more than half of the respondents expressed concern. Thirty-six percent said that they are very concerned, 21% said that they are somewhat concerned, 14% said they are just a little concerned and 21% said that they are not concerned at all.



QI Systems Inc. announced the successful completion of the University of Northern British Columbia’s campus-wide smart card automation system, marking British Columbia’s first university to convert from a magnetic stripe-based card system to a smart card system.

The contract contributes $170,000 to QI’s 2002 revenue.

The campus-wide automation system involved installing QI’s smart card payment terminals for the Unattended Point Of Sales (UPOS) machines, including name brand vending, laundry, copier, and parking equipment. In addition, QI developed, designed, and installed direct cash-to-card value reload stations, which are PC based, capable of cash-to-card, accounts-to-card and credit-to-card with on-line communication capability. Moreover, the stations are designed to accept bills and coins, print receipts on demand, dispense cards, have a built in alarm, and can reload values to a variety of proprietary and open card schemes. Touch Technology International, Inc., a leading turnkey smart card solutions system integrator providing back office operations and management software for campuses, the military and corporations, provided the operating system for the project with the installation of its transaction processing, settlement and reporting software.

Mesbah Taherzadeh, president and CEO, stated, “Our latest successful conversion with UNBC clearly demonstrates QI’s capability of providing UPOS smart card payment solutions for the most complex and extensive closed- and open-systems. Furthermore, our complex and versatile reload stations significantly facilitate the user’s experience, a key component for a seamless conversion and quick adaptation. We are confident that as users increasingly recognize the significant benefits provided by smart cards, such as dramatically improved security and convenience, more institutions will evolve to our smart card solutions, especially universities, one of our major target markets.”

This latest contract follows QI’s recent contract for its UPOS payment terminals for two large college campuses in Northern California, where QI is installing its UPOS payment terminals for soda and snack vending machines, copiers, network printing, pay and display parking and value reload stations. QI is optimistic that its terminals will be installed into six additional colleges in California by the end of 2002, executing on its strategy of aggressively pursuing the high-growth campus target market.

Also, through its partnership with JAYD LLC, QI was recently awarded a substantial contract to provide its smart card hybrid payment terminals and other related equipment for installation by one of the largest metropolitan transit authorities in the United States. The first phase of this project is valued at $150,000 with the second and third phase considerations estimated to be valued up to $2 million.

Mr. Taherzadeh added, “We look forward to building on this strong momentum as we pursue the UPOS market, which has an estimated growth rate of 35%.”

QI smart card solutions’ robust capabilities include, but are not limited to, smart card payment terminals for use in a variety of vending machines, pay and display parking, newspaper boxes, washing/drying machines, printers, copiers, secure delivery systems, door access systems, provision of variety of value reload stations and hybrid payment terminals. QI’s diverse smart card schemes include Visa Cash and Mondex, where QI is one of only two companies in the world certified for both card schemes, Card Touch, QI, CANTV, EFM, POM and TELUS.

About QI Systems Inc.

QI Systems Inc. ( designs hardware and software for the rapidly expanding cash card industry. It is a leader in supplying solutions for smart card vending with products in use in Canada, the U.S., Venezuela, Hong Kong, the UK, and Norway. QI’s SmartVend technology enables debit card purchases by consumers from a wide range of vending machines types. The SmartVend system is currently being used in conjunction with many card schemes, including VisaCash, Mondex (Multos), CANTV (Venezuelan phone card), Telus SmartONE card and others. Due to the modular structure of SmartVend, multiple card schemes can be run in parallel in the same unit with new schemes added at a later date. QI’s SmartVend systems have been installed in Coca-Cola and Pepsi vending machines, coffee, snack and sandwich machines, laundromat machines, copiers, newspaper vending boxes for such publications as USAToday and in parking machines.


Discover 2GO

Discover launched a revolutionary new credit card yesterday that brings the card out of the wallet onto a key chain–much to the dismay of its card issuing rivals. The Discover 2GO Card is shaped differently and smaller than a traditional credit card but has a mag stripe containing the same account information as the cardholder’s existing Discover Card. The unique and patent-pending design is housed in a protective case that attaches to a key chain, belt, or money clip. Users simply rotate the card out of its case and swipe. After a year-long pilot, the Discover 2GO Card is now launching in select Midwest markets, with national availability this summer. The card may also offer Discover the option of upgrading to a contact and/or contactless chip, giving it a potentially huge competitive advantage as the overall U.S. market migrates to a smart card infrastructure and wireless transactions. To-date, clear or translucent smart cards, have not rung consumer’s “bell” in the USA, other than to provide some limited design or sex appeal. A card with a different shape and a chip may best communicate to consumers the technological advantages of a smart card. Discover did not reveal the manufacturer of the new card but indicated it may provide that information at alater time.


ID Congress

The CardTech/SecurTech Conference announced yesterday that this year’s event will include the first Worldwide ID Congress. The annual CTST Conference will be held in New Orleans, from April 22-25. The first Worldwide ID Congress will discuss the future of large-scale ID programs, anti-counterfeiting procedures, and biometric technologies. This new program will raise the subject of identification and its overarching influence in these uncertain times. Tate Preston, VP/Government Solutions, DataCard Group will lead the “ID Challenges in the 21st Century” discussion. David Snodgrass, Solutions Director, Digital Imaging, Unisys Corporation will review “Large Scale ID Systems.” Clive Reedman, Management Board Member of the Association for Biometrics, UK Police IT Organization will handle “ID Systems, Processes and Enforcement.” John Woodward, Senior Policy Analyst, The Rand Corporation, will lead “Practical Biometric Application Development.”


GPN VIP Gaming Services

Global Payments continues to build a strong presence in the gaming industry with eight gaming establishments signing agreements for check processing services from Global’s VIP Preferred suite of products.

Under the agreements, Global Payments will provide one or a combination of VIP Preferred products to each of the following casino properties: Black Hawk Casino By Hyatt in Black Hawk, Colorado; Binion’s Horseshoe Hotel & Casino in Las Vegas, Nevada; Downs At Albuquerque in Albuquerque, New Mexico; Hurricane Harry’s in Las Vegas, Nevada; Jacksonville Kennel Club in Jacksonville, Florida; Orange Park Kennel Club in Orange Park, Florida; Southern Cruz Casino in Little River, South Carolina; and St. Johns Greyhound Park in Jacksonville, Florida.

Global Payments, a gaming industry leader in check-cashing transactions, has added significant enhancements to the VIP Preferred product line, which is designed to specifically meet the needs of the gaming industry. The latest release of VIP Preferred’s proprietary software provides the gaming industry with the tools to establish up to $10,000 revolving check cashing limits for their customers in as little as 45 seconds.

Offering the highest limits in the industry combined with speed and efficiency, VIP Preferred cardholders gain fast, hassle free access to cash, while gaming establishments maximize every opportunity to increase money to their floor and eliminate associated risk by having the payment of their transactions 100 percent guaranteed.

“The simplicity and speed with which we can process paper and electronic check transactions, significantly increases the level of service, while building customer loyalty for our gaming establishment customers,” said Global Payments Check Services Group President, Scott W. Haskins. “Momentum is building rapidly for our innovative suite of products as we consistently enhance the content,” he said.

Global Payments Inc. is a leading provider of electronic transaction processing services to merchants, Independent Sales Organizations (ISOs), financial institutions, government agencies and multi-national corporations located throughout the United States, Canada, the United Kingdom, and Europe. Global Payments offers a comprehensive line of payment solutions including credit and debit cards, business-to-business purchasing cards, gift cards, Electronic Benefits Transfer (EBT) cards, check guarantee, check verification and recovery, terminal management and funds transfer services.


Online Biometric Authentication Service

ITI Services, Inc., a leading payment processor, announced that it has teamed with DigitalPersona to introduce the first mass-market, real-time, biometric authentication process for authenticating users and protecting their personal banking information while they shop online at more than 6500 sites. The new authentication process is seamlessly integrated with “PayByCheck” () which has been in wide use for more than 5 years and works with all bank accounts.

“We are pleased to lead the way in further protecting online shoppers’ personal finances with finger scanning,” said Ron Ehli, CEO of ITI Services. “Our new service is capable of drastically reducing identity theft and we believe biometrics should be used to protect all online transactions.” Payments made using the non-obtrusive “finger-scan” process is based on DigitalPersona’s award-winning U.are.U Online Service.

This process uses the icasi (Internet Commerce Account Status Information) network, developed to protect consumer and business bank accounts and credit cards from unauthorized use.

To make a payment using the finger scanner, users install the U.are.U software and small finger scanner, which plugs into a USB port on the computer or is built into the keyboard. They then register to protect their accounts with icasi ( When they make an online purchase from a participating merchant, a window pops up asking for authentication using the finger scanner. If the scan is successful the transaction is completed, usually within a six-second time frame. The icasi network protects users’ financial information without tracking them personally by ensuring that the authentication process is kept separate from the payment process. As an added benefit, once the simple plug-and-play DigitalPersona solution is installed, it can also be used to replace computer passwords that can be lost, forgotten, or stolen with a more reliable level of security based on the user’s finger-scan.

“We believe in putting personal security into the hands of consumers,” said Fabio Righi, CEO of DigitalPersona. “We are excited to work with a mainstream payment provider. Online users can now protect their personal information with just one touch.” Payments made using PayByCheck benefit consumers and online businesses alike. Consumers benefit from the added protection while businesses benefit from a reduction in fraudulent purchases. “When you can add this level of protection for only pennies per transaction, why wouldn’t you?” said Ehli. An online demonstration is located at

About ITI Services

ITI Services is headquartered in Tacoma, Washington and is the provider of PayByCheck and other innovative payment systems. Since 1997 PayByCheck has been implemented by thousands of leading companies worldwide to verify, authenticate and process Internet payments using the existing bank infrastructure. This release was issued through – Your Source for Affordable PR. For more information, visit


VeriSign SkyCode

SkyGo, Inc., the authority on mobile marketing, and VeriSign, Inc. announced the integration of SkyGo’s new SkyCode service with VeriSign’s wireless resolution platform. The platform allows for global registration and resolution of numeric codes providing an easy way for anyone with a mobile device to instantly interact with advertisements of interest to them in any medium. This agreement will help marketers take advantage of mobile data services to reach the world’s 770 million mobile phone users.

Using VeriSign’s resolution technology, SkyGo has developed SkyCode, a new mobile marketing service that enables marketers to equip traditional cross-media campaigns with an instant response mechanism. With SkyCode, advertisements in traditional media — billboards, print, and broadcast — will contain a numeric code that interested consumers can dial on their mobile phones to instantly interact with the advertiser and receive additional information, special offers or prizes. When advertisers run campaigns using SkyCode, they register a short numeric code that remains active for the duration of the campaign.

“As a leading provider for both data and voice networks, we’re focused on bridging these technologies to make it easier for businesses and consumers to communicate what they want, where and whenever,” said Ken Hallman, vice president, VeriSign’s Convergent Services Group. “SkyCode is one of the first applications that leverages VeriSign’s resolution technology to provide real value for marketers, wireless carriers and consumers. Our global infrastructure will give SkyGo the ability to execute their business plan and serve the mobile consumer market.”

The new SkyCode service will be unveiled in the U.S. this week at CTIA WIRELESS 2002. It represents what SkyGo believes is the next step in the evolution of mobile marketing. SkyCode rounds out SkyGo’s technology platform, which already includes solutions used by wireless carriers and marketers across the globe for contextual mobile ad serving, rich mobile ad creation, and permission-based mobile marketing programs.

“SkyGo has developed a mobile marketing application that is scalable and can be easily integrated into a carrier’s service offerings. Our goal is to help wireless carriers empower marketers to regularly incorporate mobile data services into their offline media spending, which today represents more than $400 billion globally,” said Derek Proudian, CEO and chairman of SkyGo. “Together, VeriSign and SkyGo will help drive wireless data usage by combining improved navigation with the compelling consumer proposition provided by solid marketing campaigns.”

SkyGo has already implemented SkyCode in Hong Kong, where the company is working with major advertisers to run marketing campaigns that contain short codes that work across the networks of all the major wireless carriers in Hong Kong. SkyGo plans to roll out services that will help marketers incorporate mobile promotions, entertainment and product information into cross-media campaigns in other large markets in the second half of 2002.

SkyGo Solutions for Mobile Marketing

SkyCode is the latest offering in the SkyGo Mobile Advertising Platform(TM) (SkyGo MAP(TM)), a family of products designed to enable wireless carriers and marketers to cultivate rewarding relationships with mobile consumers by creating and managing effective mobile marketing programs. SkyGo MAP includes SkyServer(TM), a robust mobile ad serving technology; SkyStudio(TM) the industry’s only ad creation tool that allows advertisers to intuitively create rich, interactive mobile marketing content; and SkyGo’s Mobile Marketing Strategy Consulting Services.

About SkyGo

SkyGo develops the technology that makes marketing effective on mobile devices. Founded in 1999 to help companies cultivate rewarding relationships with the world’s nearly one billion mobile phone users, SkyGo gives marketers and wireless carriers the tools to make it easy for any consumer with a mobile device to interact with all types of media. The SkyGo Mobile Advertising Platform(TM) (SkyGo MAP(TM)) is a turnkey technology that creates and delivers the most effective models of mobile marketing, including contextual ad serving, SkyCode instant response campaigns, and permission-based alerts. SkyGo is a global company with headquarters in the U.S. and offices throughout Asia. More than 50 national brands and advertising agencies have looked to SkyGo for mobile marketing solutions, including Visa, Procter & Gamble, General Motors, Digital Impact, Kinkos, HP Online, Avenue A, Modem Media, CompUSA, KFC, Bolt, Inc., Subway and For more information, visit [][1].

About VeriSign

VeriSign, Inc. (Nasdaq:VRSN) is the leading provider of digital trust services that enable everyone, everywhere to engage in commerce and communications with confidence. VeriSign’s digital trust services create a trusted environment through four core offerings — Web presence services, security services, payment services, and telecommunications services — powered by a global infrastructure that manages more than five billion network connections and transactions a day. Additional news and information about the company is available at [][2].

VeriSign, a global leader in shaping the way people work and use the Internet, recently expanded its business into telecommunications through the acquisitions of Illuminet and H.O. Systems. This combines VeriSign’s Internet infrastructure with Illuminet’s SS7 signaling network and H.O. Systems’ billing and customer care solutions, enabling VeriSign to deliver an end-to-end suite of network, data, mediation and billing services that meet telecommunications carriers’ needs for growth, customer retention and revenue generation. This infrastructure and expertise positions VeriSign in a leading role to develop the promise of convergence of voice and data networks.



NYCE Signs EBT Clients

NYCE Corporation announced that two prominent New York State financial institutions — Canandaigua National Bank and Trust and SBU Bank — have chosen NYCE as the processor for their electronic funds transfer programs.

A NYCE Network Participant since 1986, Canandaigua National Bank and Trust will now entrust the driving and monitoring of its automated teller machines (ATMs) to NYCE’s EFT Processing business unit. In addition, the bank will rely upon NYCE for online debit card authorization and signature-based card processing for its card base portfolio. “NYCE’s expertise has influenced our decision to migrate our entire processing program from our in-house operation to NYCE’s platform. And, I am confident that the reliability NYCE has exhibited as our network-of-choice will be mirrored in the support the company will provide as our EFT processor,” said David Morrow, Sr. VP Operations with Canandaigua National Bank and Trust.

NYCE will provide the same services for SBU Bank’s ATMs and portfolio of debit cards. “Relying on NYCE for both network switching and EFT processing ensures the ongoing success of our entire EFT program,” said Richard F. Callahan, Sr. Vice President, Sales and Marketing with SBU Bank. “In addition, thanks to NYCE’s economies of scale, we can realize material bottom line cost savings.” SBU Bank has been a NYCE Network Participant since 1993.

In addition to core EFT processing services, the institutions will be able to take advantage of NYCE’s advanced ATM monitoring/dispatching system. This automated solution monitors all ATMs in real time, and immediately notifies and dispatches appropriate personnel in the case of a service interruption. Furthermore, financial institution representatives can view the statuses of their ATMs from any Internet enabled PC through NYCE’s web-based InfoManager application.

“We work hard to gain our customers’ confidence by providing processing solutions and personal service that goes beyond their expectations,” said Michael A. Feliciano, Vice President, EFT Processing, with NYCE. “And when we see long-standing Network relationships extended into EFT processing relationships, we know we’ve earned that marketplace trust.”

About Canandaigua National Bank and Trust

As the region’s only locally owned, full-service Community Bank, Canandaigua National Bank & Trust is celebrating its 115-year anniversary of service to the community. Canandaigua National Bank has been, and continues to be the financial intermediary for businesses and individuals, wherever they may work, play or live.

About SBU Bank

Since 1839, SBU Bank has served the Central New York community with a wide range of personal and commercial banking products, including checking, savings, loans and investment services. Headquartered in Utica, N.Y., and formerly known as the Savings Bank of Utica, SBU Bank operates nine full-service branch offices in the New York counties of Oneida, Herkimer and Onondaga. SBU Bank, part of Partners Trust Financial Group, Inc., has assets of $983 million, deposits of $605 million and equity of $100 million as of December 31, 2001.

About NYCE

NYCE Corporation is one of the leading electronic payments companies in the United States, providing financial institutions and retailers with shared network services for automated teller machines (ATMs), on-line debit point-of-sale (POS) and emerging real-time payment solutions. In addition to innovative product development, the company also provides processing services that support ATM management and monitoring services, debit card issuance and authorization solutions. NYCE’s strategic alliance with First Data Corporation (FDC) is a unique model for the industry that combines the strengths of both organizations through product development, service delivery and complementary national/international reach. Comprising 2,200 financial institution and retail ATM Participants, the NYCE Network processes approximately 100 million transactions per month. NYCE Corporation is headquartered in Woodcliff Lake, NJ, and can be found online at [][1].