Safewww & CardinalCommerce Team

Uniondale, New York-based Safewww, Inc., which provides strong two-factor authentication for secure online access, payments and transactions and Cleveland, Ohio-based CardinalCommerce, a leading electronic transaction security company, have jointly developed an end-to-end authentication solution to support the new Visa 3-D Secure and MasterCard SPA secure payment initiatives.

The solution is based on a proprietary and modular architecture to allow seamless support for these and new initiatives expected from other payment networks, including Concord EFS/Star.

“Combining Safewww’s easy to deploy, strong IDshield authentication technology with Cardinal’s proprietary Payment Authentication Platform, provides financial institutions with a powerful solution to support the current secure payment initiatives as well as those to come,” commented Tim Sherwin, Co-founder and Executive Vice President of CardinalCommerce. “Our integrated system, through one common platform and one implementation, addresses the challenges facing our financial institution customers.”

“With financial institutions soon to be facing liability for fraudulent online transactions, they need to ensure that they and their customers are protected from fraud,” added Kenneth Bob, CEO of Safewww. “The joint CardinalCommerce-Safewww solution allows them do so without inconveniencing their customers or adding complexity to the process.”

The joint solution will enable issuing banks to rapidly deploy a software platform for the Verified by Visa and MasterCard SPA programs with no legacy system integration. This will provide an easy-to-use, strong two-factor authentication system to increase security and comfort to cardholders to conduct online transactions. Visa and MasterCard research has shown that consumers are likely to purchase more online with the added security provided by these new initiatives. Furthermore, these initiatives will effectively shift the liability for fraudulent transactions from the merchant to the financial institution. To address the expected $15 billion of credit card fraud predicted by 2004 (Meridien Research), financial institutions need to implement an authentication scheme strong enough to protect the bank from this liability shift, yet that is transparent to their consumers. The CardinalCommerce-Safewww solution satisfies this requirement while allowing the financial institution to leverage the investment for numerous other revenue generating authentication opportunities in the future.

About Safewww Incorporated

Founded in 1999 by Israeli Internet security entrepreneurs, Safewww, Inc. provides identity protection products and services for business and personal Internet transactions. With corporate headquarters in the U.S. and a research and development center in Israel, Safewww has established strategic alliances and received investment capital in the U.S., Israel, Spain, China, Japan and Argentina. Its target online markets include banking, B2B exchanges, digital music and video, auctions, store cards, and gaming. Utilizing patent pending third-party user authentication and content encryption technology, Safewww’s impenetrable and simple-to-use solution allows Internet transactions to achieve the utmost in security without the need to transmit confidential information over the Internet. For information, visit .

About CardinalCommerce Corporation

CardinalCommerce Corporation is a leading provider of a technology-neutral authentication platform for securing electronic and wireless commerce, thus ensuring that individuals, businesses and government agencies can process electronic transactions and access confidential information safely, securely and privately. The first application of Cardinal’s proprietary technology, the Cardinal Payment Authentication Platform, provides consumers, merchants, credit/debit card issuers, and processors the ability to conduct fully authenticated Internet-based e-commerce, while protecting the transactions from fraud. For more information, visit [][1].



CIBC AmEx Cards

** Earlier today, January 9, 2002, the new CIBC entourage American Express credit card was launched in Toronto. The card shown here is the first smart chip credit card available nationally. It works hand in hand with a card reader connected to the customer’s P.C. in order to provide greater security for online shopping. Demonstrating the card and reader are CIBC’s Christine Croucher, Executive Vice President of Card Products, and Jon Linen, Vice Chairman of American Express. **

American Express has finally landed a big fish in the backyard of the USA. CIBC, the largest issuer of VISA cards in Canada, announced it will issue a suite of American Express credit cards that will include the country’s first nationally available smart card. CIBC will issue the line of AmEx card products under the name ‘entourage’. The three new ‘CIBC entourage’ credit cards include the ‘American Express Smart Card’, ‘Platinum American Express Card’, and the ‘Business American Express Card’. Under terms of the deal, CIBC will issue the cards, own the accounts and handle the customer service support for the AmEx cards, including authorizations, billing and credit management. The CIBC/AmEx smart card offers up to one per cent cash back with ‘entourage earnings’, no annual fee and a 19.5% annual interest rate. Smart card readers are available to cardholders for $50 each. The ‘CIBC entourage Platinum AmEx’ card offers up to two per cent cash back. The card carries a $299 annual fee with up to three additional cards available for $99 each, annually. The ‘CIBC entourage Business American Express Card’ features no annual fee credit card with an interest rate of prime plus four per cent. The business card also offers two billing and statement options including corporate billing and payment, while option two is billed and paid by the individual. The CIBC ‘entourage’ brand will be supported with an extensive national marketing campaign, including television advertisements, direct mail, online media and various outdoor media. CIBC currently has 3.9 million VISA cardholders according to RAM Research ( Over the past five years, American Express has formed 72 card-issuing partnerships with banks and other institutions around the world.



TSYS has signed a historic five-year processing agreement with Canadian Imperial Bank of Commerce, of Toronto, Ontario. Using TS2, the card industry’s most advanced processing system from TSYS, CIBC will become the first bank in Canada to offer both American Express and VISA credit cards.

TSYS will support CIBC as it issues a line of card products under the name “entourage,” leveraging American Express’ powerful brand name and product development capabilities.

The “entourage” line is being launched with three new credit cards:

·CIBC entourage American Express Card, Canada’s first nationwide smart card, which provides greater security for online shopping;

·CIBC entourage Platinum American Express Card with exclusive features and benefits; and

·CIBC entourage Business American Express Card, which offers special benefits for small and medium-sized businesses.

“TSYS is the only third-party processor in the United States or Canada that currently serves institutions that issue cards with the American Express, Visa and MasterCard labels,” says Richard W. Ussery, chairman of the board and CEO of TSYS. “By providing the industry’s leading brand-neutral processing system, TSYS offers banks and their customers the freedom to choose the products that best meet their unique and changing needs.”

In addition to the CIBC entourage American Express products described here, TSYS has serviced several CIBC products since the companies initiated their relationship in 1994: the CIBC U.S. Dollar Card, a consumer card that tracks transactions in U.S. dollars for cardholders who travel often in the United States; the CIBC Commercial Card, a credit card for Canadian businesses to manage corporate expenses like travel, entertainment or purchasing; and consumer credit cards issued by Amicus FSB, a CIBC institution in Florida that issued the company’s early credit cards in the United States.

About CIBC

CIBC is a leading North American financial institution offering more than eight million personal banking and business customers a full range of products and services through its comprehensive electronic banking network, branches and offices across Canada, in the United States and around the world. CIBC is a leader in electronic banking, with more than three million e-banking customers accessing telephone and Internet banking. CIBC is also Canada’s leading credit card issuer and offers a broad range of choice and value. To find other news releases and information about CIBC, visit the bank’s Media Center at [][1].

About American Express Global Network Services

Since 1996, American Express has been aggressively pursuing a strategy of opening its merchant network and card product portfolio to third-party issuers around the world. By leveraging its global infrastructure and the powerful appeal of the American Express brand, the company aims to gain even broader reach for its network worldwide. American Express has established more than 70 card-issuing partnership arrangements in close to 80 countries. For more information about the American Express Global Network Services, please visit [][2].

About TSYS

TSYS ( brings integrity and innovation to the world of electronic payments. TSYS serves as the integral link between buyers and sellers in the rapidly evolving universe of electronic payments. With more than 215 million accounts on file, TSYS makes it possible for millions of consumers to use their credit, debit, stored value, commercial, smart and retail cards any time, anywhere through any medium or portal. TSYS and its family of companies offer a full range of acquiring and issuing services, from accepting and settling electronic payments for goods and services, to credit applications, bankruptcy and collections. Based in Columbus, Ga., TSYS processes for 23 countries, in 14 currencies, in four languages and maintains operations in Canada, Mexico, Japan, and the United Kingdom. TSYS is an 81.1-percent-owned subsidiary of Synovus Financial Corp. (NYSE: “SNV”) ( ), No. 8 on FORTUNE magazine’s list of “The 100 Best Companies To Work For” in 2001. For more information, contact



Solicitations Record

In the face of anthrax fears, credit card mail solicitations hit an all-time monthly record in October. The volume of credit card offers sent to U.S. households during October was 477 million, up sharply from September’s total of 394 million solicitations and August’s 405 million level, and far surpassing the 359 million pieces of mail sent out in October one year ago. According to BAIGlobal’s ‘Mail Monitor’ direct mail tracking service, 82% of American households received card offers in October, compared to 78% in September. ‘Mail Monitor’ also measured the U.S. average response rate at 0.6% percent for October, the same rate as September, and slightly up from the 0.5% measured during October 2000. BAIGlobal says it expects the number of solicitations for the full year of 2001 to top four billion, setting an all-time high. The proliferation of low-ball interest rates and the introductory marketing of smart cards appears to be a major driver of the increased mailings, despite the weak economy.

3Q/01 1174.0m 0.6%
2Q/01 1265.4m 0.4%
1Q/01 1208.3m 0.7%
4Q/00 1033.8m 0.8%
3Q/00 888.0m 0.6%
2Q/00 991.8m 0.4%
1Q/00 629.4m 0.7%
4Q/99 510.2m 0.7%
3Q/99 710.3m 0.9%
m-millions Source: BAIGlobal, Inc.


New TRIAD Clients

Fair, Isaac and Company, Inc., the leading provider of customer analytics and decision technology, announced the addition of a wide range of companies to its roster of existing blue-chip clients utilizing two of the company’s most prominent Strategy Machine solutions: Fair, Isaac Decision System software and TRIAD adaptive control system.

IBM, State Auto Insurance and Mutual of Enumclaw have all selected Decision System, a solution that has quickly emerged as the predominant decision engine technology since its introduction in January 2001. Decision System lets companies deploy, manage and improve their unique customer relationship strategies across a wide array of customer touchpoints. Decision engines created using Decision System can be deployed across the enterprise, on mainframe, AS/400, Unix and Windows NT platforms. In this way, an enterprise can house their business strategies in a common architecture regardless of target applications or execution environments. With the addition of IBM, State Auto and Enumclaw, Fair, Isaac now counts a total of 21 Decision System clients in the financial services, insurance and retail industries.

In addition, Fair, Isaac has added four new global TRIAD clients–Hyundai Card, HSBC Bank Middle East, Banco Santander Chile, and Littlewoods Retail Limited. TRIAD helps the world’s leading lenders maximize the profitability of their customer portfolios. The integrated system allows clients to apply Fair, Isaac’s analytics and decision technology as well as business expertise to automate key decision areas within account management, including credit line management, performance-based pricing, authorizations management and delinquent collections.

TRIAD has an 80 percent market share among the top 10 domestic credit card issuers and manages 65 percent of credit cards worldwide.

Fair, Isaac’s CEO Tom Grudnowski said, “It’s a privilege to be working with each of these organizations. In the broad sense, I think these types of multi-million dollar contracts are further evidence of leading companies, across a spectrum of industries, seeking the power of our creative analytics in helping them solve challenging problems in challenging times. Each of these new clients will be utilizing our software to deploy and improve automated customer decisions across their enterprises, and we couldn’t be happier to add them to our client roster.”

About Fair, Isaac

Fair, Isaac and Company is the preeminent provider of creative analytics that unlock value for people, businesses and industries. The company’s predictive modeling, decision analysis, intelligence management and decision engine systems power more than 14 billion decisions a year. Founded in 1956, Fair, Isaac helps thousands of companies in over 60 countries acquire customers more efficiently, increase customer value, reduce risk and credit losses, lower operating expenses and enter new markets more profitably. Most leading banks and credit card issuers rely on Fair, Isaac’s analytic solutions, as do insurers, retailers, telecommunications providers and other customer-oriented companies. Through the Web site, consumers use the company’s FICO(R) scores, the standard measure of credit risk, to manage their financial health. For more information, visit [][1].



ORCC Update

Online Resources Corp., a leading outsourcer of e-financial services, announced that it has extended and restructured its Internet financial services contract with California Federal Bank for another four years. The Company reaffirmed its existing earnings guidance for 2002, and in an unrelated matter, also announced the resignation of its chief financial officer.

Cal Fed, the Company s largest client, signed a new agreement with Online Resources through 2005. Under the new four-year outsourcing agreement, the Company will continue to provide its full set of services through mid to late 2002, and will provide only its electronic bill presentment and payment (EBPP) services through 2005. The approximate effect of Cal Fed bringing the Company s banking and related customer support services under its control would be to reduce the Company s revenue by 7% and its gross profit by 3%, based on reported 2001 year-to-date results adjusted for the new agreement.

Matthew P. Lawlor, chairman and CEO of Online Resources stated, We are pleased to continue this important relationship. The new Cal Fed agreement, however, has no impact on our financial outlook for 2002, as the agreement with Cal Fed was fully anticipated. We expect to reach operating profitability in mid to early 2002, with an operating profit for the full year and revenue increasing between 28 and 32 percent.

Lawlor added, Our EBPP users earn us more than two times the revenue and gross profit of Internet banking only users. The challenge for us is to work closely with Cal Fed using our new integrated marketing and CRM capabilities to expand their EBPP user base. I am confident that we can achieve this if we work closely with Cal Fed and continue our recent successes in improving our conversions of users into EBPP services.

In an unrelated matter, the Company also announced that Chief Financial Officer Carl Blandino has resigned to work with a private firm. The date of transition is expected in mid January. A search is being conducted for a replacement.

About Online Resources

Founded in 1989, Online Resources (Nasdaq:ORCC – is a leading outsourcer of e-financial services, with over 500 bank and credit union clients. The company’s comprehensive QuotienSM suite of services provides Internet banking, electronic bill payment-presentment, and other consumer and small business e-finance applications. The company performs 24×7 customer care and consumer marketing services, giving clients the benefit of a single, integrated solution, backed by a unique end-to-end service guarantee and real-time transaction capabilities. Online Resources processes over 60 million transactions annually, including $3 billion in consumer bill payments.


November Rebound

The sharp October contraction in revolving debt was short-lived as consumers returned to more normal credit patterns, piling on more than $5 billion in revolving credit, mostly credit cards, during November. The events of September 11th appear to have been the most significant factor in the dramatic drop in October, while record low interest rates and holiday spending may have been responsible for the rebound in November. According to the monthly figures released by the Federal Reserve yesterday, Americans added $5.4 billion to revolving credit during November, following a $3.7 billion pay down in October. While the rebound reversed a trend that began in July, total revolving credit remains about $6 billion below the record level set in June of this year, when total revolving credit topped $700 billion. According to the Federal Reserve, revolving debt stood at $694.6 billion during November. At the end of November, American consumers were $1.653 trillion in debt, exclusive of home mortgages.

Nov 01 Oct01 Sep01 Aug01 Jul01 Jun01 May01
GRWTH: 9.4% -6.1 0.6 -2.2 -3.7 2.1 4.5
$OWED: $694.6 689.2 692.7 693.5 698.1 700.3 699.0

Apr01 Mar01 Feb01 Jan01 Dec00 Nov00 Oct00
GRWTH: 14.2% 11.9 20.8 11.6 5.0 10.9 4.7
$OWED: $697.6 688.2 681.4 670.3 663.4 660.6 654.8

Source: Federal Reserve; revised figures as of 01/08/02; For complete historical data visit



SchlumbergerSema, a business unit of Schlumberger Limited, announced that it
has signed a contract to supply contactless smart cards to Electronic Data
Systems, a member of the TranSys consortium. The contract is part of the
Transport for London project for a new smart card-based ticketing and revenue
collection system for London Underground and Buses. This is one of the largest
projects of this type in the world, and will improve the overall travel
experience for London’s commuters. The contactless cards will give fast access
to the Underground and buses, while helping Transport for London improve the
efficiency of its network.

Since capital city ticketing projects set the trends and provide a valuable
reference for similar programs in other locations, transport operators
throughout Europe are closely watching London as the TranSys consortium
implements the new paradigm for capital city travel. Starting in 2002,
SchlumbergerSema will supply over two million Easyflow contactless smart cards
over the next two years.

Contactless cards speed the movement of ticket holders, since travel details
can be validated as the holder passes the card over the reader with no
requirement to stop and insert the ticket. The cards have already shown their
capabilities in many smaller scale projects, proving easy to use and extremely
cost-effective. Once issued, cards may also be reloaded for further periods of
travel, cutting down the number of tickets required. Intrinsic smart card
security ensures they are virtually impossible to forge or clone.

“We need a partner who can deliver robust, commuter-friendly contactless
technology today, and also demonstrate a real, practical understanding of the
needs of complex city projects,” said Nicole Carroll, marketing director for
TranSys. “SchlumbergerSema has the products, the proven track record of huge
projects like Paris, and the international presence that we were seeking.”

“Technology is important, but it’s still only part of the story,” stated
Rasmussen, president, Cards, SchlumbergerSema. “Real progress demands
organizations with vision and drive to take key projects forward, and cities
all over Europe are watching as Transys creates a new model for urban
travel in
the 21st century.”

The security and flexibility of the smart card enables electronic ticketing to
serve as a foundation application for more complex programs – such as projects
which combine transport with parking and e-purse or multi-application city
cards — while the nature of travel requires strong interoperability between
different programs. SchlumbergerSema is involved in major, operational
that leverage the full capabilities of today’s smart cards in Asia, South and
North America, and Europe.

About SchlumbergerSemaSchlumbergerSema is a leading information technology
services company providing consulting, systems integration, managed services
and products to the telecommunications, energy and utilities, finance,
transport and public sector markets. With more than 30,000 employees serving
customers in 65 countries, SchlumbergerSema is one of two business segments of
Schlumberger Limited, a global technology services company. For more
information about SchlumbergerSema, visit

About Transys

The TranSys consortium was awarded the 17-year ‘Prestige’ contract in 1998 to
build, implement and maintain a state of the art new ticketing and revenue
collection system for Transport for London (TfL) across London’s underground
and bus networks. TranSys comprises some of the world’s leading companies in
ticketing technology and innovation: EDS, Cubic Corporation, ICL and WS
At its heart is the introduction of contactless, electronic smartcards and
stored value ticketing (SVT) as well as new ticket machines, new gates and new
validating equipment which together will revolutionise the way people pay for
and access public transport in London.

About EDS

EDS, the leading global services company, provides strategy, implementation
hosting for clients managing the business and technology complexities of the
digital economy. EDS brings together the world’s best technologies to address
critical client business imperatives. It helps clients eliminate boundaries,
collaborate in new ways, establish their customers’ trust and continuously
improvement. EDS, with its management consulting subsidiary, A.T. Kearney,
serves the world’s leading companies and governments in 58 countries. EDS
reported revenues of $19.2 billion in 2000. The company’s stock is traded on
the New York Stock Exchange (NYSE: EDS) and the London Stock Exchange. Learn
more at


US Bank P-Card Deal

FinishMaster, Inc., a leading distributor of industrial and automotive paints and coatings, has contracted with U.S. Bank Corporate Payment Systems for purchasing card services. U.S. Bank will provide 150 cards for the company that will be used for approximately $5 million in annual volume.

FinishMaster is the leading national independent distributor of automotive paints, coatings, and related accessories to the automotive collision repair industry. FinishMaster is headquartered in Indianapolis, Indiana, and operates 158 sales outlets and three major distribution centers in 22 states. The company of 1,600 employees reported $340 million in sales in 2000. For more information on FinishMaster via the Internet, visit [][1].

U.S. Bancorp (NYSE:USB), with assets in excess of $168 billion, is the 8th largest financial services holding company in the United States. The company operates 2,186 banking offices and 4,937 ATMs, and provides a comprehensive line of banking, brokerage, insurance, investment, mortgage, trust and payment services products to consumers, businesses and institutions. U.S. Bancorp is home of the Five Star Service Guarantee which assures customers of certain key banking benefits and services or customers will be paid for their inconvenience. U.S. Bancorp is the parent company of Firstar Bank and U.S. Bank. Visit U.S. Bancorp on the web at and Firstar Bank at [][2].



Fujitsu 8000 Certification

Fujitsu Transaction Solutions Inc. announced today that its Fujitsu Series 8000 family of automated-teller machines has been certified to operate with the Metavante Corp.’s ATM management platform. The certification ensures Metavante clients that Fujitsu Windows 2000-based ATMs seamlessly integrate into the Metavante platform. Milwaukee-based Metavante is the technology subsidiary of Marshall & Ilsley Corp. Fujitsu’s Series 8000 ATMs add a new dimension to self-service banking. ATM owners can realize many new revenue opportunities by offering a variety of services through the ATM, which are made possible by the Series 8000’s Web-enabled, advanced technology. Potential services can include coupon and stamp dispensing, event ticket purchases, phone cards, lottery tickets and more.

“For years, Fujitsu and Metavante have teamed together to offer ATM operators the most innovative ATM technologies. This certification continues our success,” said Neill Collins, Fujitsu vice president of financial systems sales. “Fujitsu is committed to achieving certification with every major ATM network, thereby enabling financial services providers — both traditional and non-traditional, such as retailers — to expand services and build revenue through new and creative channels.”

Rigorous testing proves successful for Series 8000 ATMs

In order to certify the Fujitsu Series 8000 ATMs, Metavante conducted rigorous testing on a Series 8000 ATM in its Milwaukee-based test lab. Test results showed the Series 8000 could successfully operate within the Metavante ATM platform. Because the ATMs possess the same standard architecture, one model’s certification ensures the entire product series can be installed with “plug and play” ease, using standard ATM emulations.

Achieving competitive advantage with Fujitsu Series 8000 ATMs

Every Series 8000 ATM offers the following benefits:

— World’s highest footprint-to-capacity ratio in an ATM

— Lower cost of ownership (TCO), with large capacity dispensers, fewer moving parts, universal components, low-maintenance thermal printers and color LCD displays

— Handles a wide range of media, including stamps, coupons, event tickets, credit card-sized media and other items of value

— Web-enabled capabilities will eventually allow customers to use ATMs for all the same banking transactions they currently conduct from their PCs, as well as new transaction types such as purchasing phone cards and event tickets

— Windows 2000 operating system supports both traditional financial transactions and future services; Windows XP will be available by mid-2002

— Americans with Disabilities Act (ADA) compliance

“We value our long-standing partnership with Fujitsu,” said Frank D’Angelo, senior vice president and general manager, Metavante EFT and Card solutions group. “The certification of Fujitsu’s newest ATM technology continues this partnership. Metavante is pleased to be able to offer Fujitsu Series 8000 support to our customers.” Metavante is a leading provider of electronic funds transfer (EFT) and card solutions, including account processing, merchant servicing and card personalization services for debit, credit, stored-value, prepaid, and ATM cards to approximately 1,400 clients. Metavante provides EFT services to approximately 1,000 financial services providers in the United States. It is linked with all major electronic funds transfer networks, gateways and processors to route and authorize ATM and debit card transactions for banks, credit unions, Internet banks and independent sales organizations. Metavante manages more than 8,300 ATMs in the United States.

About Metavante Corporation

With more than 3,500 clients, including the largest 20 banks in the United States, Metavante Corporation is a leading financial services enabler, providing virtually all of the technology that an organization needs to offer financial services. Metavante offers customer relationship management, electronic banking, electronic funds transfer and card solutions, electronic presentment and payment, financial technology services, private label banking, and wealth management solutions. Headquartered in Milwaukee, Wis., Metavante is wholly owned by Marshall & Ilsley Corporation (NYSE:MI). Web site: [][1].

About Fujitsu Transaction Solutions Inc.

Fujitsu Transaction Solutions Inc., headquartered in Dallas, is a wholly owned subsidiary of Fujitsu Limited (TSE: 6702). The company is a total lifecycle solutions supplier for North American retailers and financial services providers. Fujitsu optimizes the customer’s technology lifecycle and reduces total cost of ownership with point-of-sale (POS) hardware and software, handheld devices and applications, Web-enabled automated-teller machines (ATMs) and infrastructure services, including asset management. Fujitsu offers world-class customer-service support, call centers, product staging/integration and rapid-response rollouts. It serves customers such as Allfirst Financial, Albertson’s, Recreational Equipment Inc., Safeway, Staples and U.S. Bank, among others. Web site: [][2] For sales and product information call 1-800-340-4425.



Card Bonds 2002

Credit card asset-backed securities issuance may top $75 billion this year, despite current economic conditions. Standard & Poor’s said yesterday it expects modest loan growth and a heavier reliance on securitization and refinancings to set the stage for a record year for card-backed securities. Issuance for 2001 hit $68 billion. Even though loan growth may slow down as card holders cut back usage and issuers tighten underwriting standards, S&P believes the close to $50 billion in outstanding ABS will mature and the revolving portfolios will need refinancing. Refinancing of receivable portfolios backing maturing securities should provide about $45 billion of the issuance, while portfolio growth and an increased reliance on securitization as a funding source could add another $30 billion.



Further discussions are moving to the possibility of one standard so that individual state databases would be in a position to validate the identification of the individual based on biometric features, such as a fingerprint or an iris scan during the enrollment process.

“If a person with a valid smart card driver’s license from one state travels to another,” stated Frank Barbalace, Senior Business Development Manager for ORGA USA, “and seeks to obtain a driver’s license in that state under a different name, the system will red flag them. This same system could work in the United States as well.”

Gujarat was the first state in India to implement a smart card-based driver’s license. The project, which began in early 1999, was coordinated by ORGA in association with Smart Chip Limited in New Delhi. The driver’s license, which contains an embedded chip, stores the cardholder’s fingerprint, digital signature, and personal information.

Smart Card Issuance stations provide a one-stop location that allows for the entire process to be completed in one trip. The issuance stations consist of smart card personalization equipment (including a PC, smart card printer, video camera, fingerprint capture device and a signature tablet), as well as customized software.

To date, nearly two million people have received smart card driver’s licenses, with nearly 1,500 cards issued daily. At the project’s end, more than 25 million smart cards will be issued.

Smart Card driver’s licenses are produced under high security standards that help prevent identity fraud. The information on the chip is stored safely in a forgery proof manner.

When smart cards are presented for identification purposes, the individual’s fingerprint is compared against the fingerprint in the card on a 1 to 1 basis. This alone improves the chances of increased positive identification. Other uses include storing voting registration, access control, and emergency medical and contact information.

ORGA Card Systems, Inc, part of the authentos group of companies, is one of the market leaders in the smart card industry. ORGA offers a full range of smart cards, hardware, software, systems, system integration and solutions for the telecommunications, banking, retail, healthcare and Internet sectors.

ORGA is headquartered in Paderborn, Germany, and operates its Smart Card Center in Flintbek, in one of the world’s most modern production facilities for smart cards. ORGA is jointly held by Bundesdruckerei GmbH (89.96%), which in turn is fully owned by APAX Fonds, and DETECON GmbH (10.04%).

With a workforce currently numbering over 1,600 employees worldwide, the ORGA Group posted record sales of EURO 282 million in fiscal 2000. Subsidiaries, sales offices and joint ventures give ORGA a strong presence in Great Britain, the U.S., France, Singapore, Russia, South Africa, the United Arab Emirates, Denmark, China, Brazil, Hong Kong, Italy, Portugal, Austria and Lithuania.