Cubic Transportation Systems announced a new system this week to enable mass transit users to order and register new smart cards on line, reload their cards, verify purchases and access account history. ‘Nextfare Web Services’ also allows transit agencies to sell and add value to tickets, provide customer service, reconcile payment when multiple transit authorities use the same smart card system and offer internet links to other products and services. The foundation of Nextfare Web Services is Cubic’s ‘Tri-Reader’ architecture, which accommodates multiple smart card platforms. As contactless card-based ticketing gains more popularity among people who use public transportation, Cubic’s new online service will offer incentives for transit agencies to move toward payment systems that offer both magnetic ticketing and smart cards.Details
OMNIKEY, an innovative supplier of cross-technology smart card readers for
business use, has introduced a read/write-device including a fingerprint
sensor. By combining biometric identification processes with market-proven
CardMan smart card technology, CardMan Desktop fingerprint does not only
improve security conditions – it also allows a much easier handling of smart
cards in the many areas where they have come to be used.
Developed by OMNIKEY, the biometric smart card reader stands out against
ordinary read/write devices based upon smart cards through various innovative
product features. From now on, for example, tools like PIN numbers identifying
a particular user will not be necessary any more – a fact which minimizes
security risks and improves handling processes. As biometric technology works
differently, users can dispense with time-consuming administrative procedures
every time access has been denied. Moreover, biometric identification, based
upon the unique character of unchangeable fingerprints, profits from full
Biometric identification processes will especially be used for applications
which require a high security level, for instance home banking, internet and
computer access as well as digital signatures. The target groups for CardMan
Desktop fingerprint include manufacturers of personal computers, financial and
insurance companies as well as health care organizations and public
Says Uwe Schnabel, Head of the Biometry Department at OMNIKEY “The open
CardMan Desktop fingerprint architecture provides OEMs and suppliers of
biometric systems with an easy support of their own identification algorithms.
It also enables integration with applications via standard interfaces such as
Bio-API and PC/SC.”
OMNIKEY will launch CardMan Desktop fingerprint 7120 first in a series of
biometric products, with distribution via OEMs, system integrators and
CardMan Desktop fingerprint 7120, at the attractive price of Euro 100, will be
available from the third quarter of 2001.
OMNIKEY AG is the first cross-technology supplier of smart identification and
payment devices. The company unifies and leverages leading technologies
smart card, radio frequency identification (contactless) and biometrics. These
technologies are used in the development of secure devices with standard
interfaces. The certified products can be integrated into any application and
includes smart card readers, smart card terminals and contactless modules. The
company is headquartered in Wiesbaden in Germany, with offices and R&D
facilities at five other locations.
Fujitsu-ICL Systems Inc. announced a new agreement with Business Machines Company, a Midwest reseller specializing in point-of-sale solutions for the food and drug, general merchandise and hospitality industries. BMC, a leading reseller for more than 40 years, will resell Fujitsu’s TeamPoS 2000 POS system and ISS45 software specifically tailored to these retail markets.
Effective immediately, BMC and its affiliate, CRS, is offering Fujitsu’s TeamPoS 2000 systems and Fujitsu’s ISS45 software directly to supermarket wholesalers, major supermarket chains and independent grocery retailers, from eight different locations throughout Michigan, northern Indiana and northwestern Illinois.
“Fujitsu-ICL has a long-term track record of providing highly reliable, high-performance systems tailored specifically to the needs of retailers,” said Robert Bauer, president of BMC, based in Lansing, Mich. “This relationship expands our capabilities to give our customers hardware, software and services specifically designed for the rigors of retail. Fujitsu designs its POS terminals, scanners, mobile devices and overall solutions to be user friendly, cost-effective, adaptable and high performance. That’s a must for retailers today.”
Bruce Minale, Fujitsu-ICL’s vice president for channel sales, says the agreement with the Michigan-based reseller will help further Fujitsu’s efforts to expand its base of indirect channel partners specializing in retail technologies.
“BMC is highly regarded throughout the grocery and general merchandise sectors,” said Minale. “We pursued BMC because of its strong regional presence and long-term reputation as a leading provider of solutions for the grocery sector. This agreement is further indication that we continue to expand the indirect channel as a cornerstone of our corporate sales and marketing efforts.”
About the TeamPoS and ISS45
Fujitsu’s TeamPoS 2000 is a versatile point-of-sale system that reduces total cost of ownership by adapting to multiple uses, supporting standard retail applications and POS peripherals and lowering long-term maintenance cost. Retailers can use a single hardware platform for workstations, POS terminals, kiosks and multimedia displays to eliminate unnecessary system purchases, multiple maintenance schemes and upgrade paths. With multiple displays and the power to support multimedia marketing applications, TeamPoS 2000 improves customer service and supports advanced Customer Relationship Management programs. Support for easy self-maintenance and remote management makes it fast and cost-effective to maintain while improving productivity and reducing downtime.
ISS45 is the industry-leading POS software for grocery retailers, large and small. Its seamless “Never Down, Never Obsolete” architecture provides flawless operations at the checkstand, in the back office and in the aisles, and support virtually every major POS terminal and peripheral available.
About Fujitsu-ICL Systems Inc.
Fujitsu-ICL Systems Inc. is a wholly owned subsidiary of Fujitsu Limited (TSE: 6702), a leading provider of Internet-focused information technology solutions for the global marketplace. The company specializes in IT lifecycle solutions for the retail and financial systems markets. The company has almost 30 years experience in providing hardware/software solutions and services for retail point-of-sale (POS), specialized mobile computing and automated-teller-machine (ATM) applications. Its customer relationship management (CRM) solutions enable Fujitsu customers to build high-value, personalized relationships with consumers.
Web sites: [www.fjicl.com], [www.fujitsu.com]
Business Machines Co. (BMC) is a reseller providing sales, service and support to the food and drug, general merchandise and hospitality industries. BMC was founded in 1958 by two former NCR employees and now operates five offices throughout Michigan (Lansing, Bridgeport, Livonia, Traverse City, and Grand Rapids). The product lines represented at BMC include Fujitsu, IBM, NCR, Panasonic, Squirrel, BASS, S4, Unify and InfoCorp.
Web site: [www.bmc-pos.com]
Schlumberger Test & Transactions, a
business segment of Schlumberger Limited unveiled its
e-gate smart card technology at CardTech/SecurTech conference in Las
Vegas, providing a major boost to the fast-growing market for securing
network access via portable tokens.
Schlumberger e-gate enables a smart card to simply plug into the standard
USB (Universal Serial Bus) port supplied on today’s PCs, without the
previous requirement of a card reader. The technology addresses the key
concerns of organizations looking to put a smart PKI security infrastructure
into place, rollout complexity and return on investment. The demonstration
of this technology shows how quickly and simply the benefits of smart
card-based solutions can be delivered in the field.
Capable of working with any smart card operating system, including Java,
Cryptoflex and Windows, the e-gate technology card uses a special chip,
which integrates the USB interface electronics. This enables it to connect
directly with the serial bus using a standard connector, eliminating the
need for a card reader and a separate power supply, as well as driver
software installation and set-up.
In addition to being fully compatible with conventional ISO (International
Standards Organization) readers, Schlumberger e-gate additionally takes full
advantage of the fast communication speeds offered by USB, an increasingly
important feature for applications such as secure one-to-one Internet
services where a card needs to hold or encrypt extensive amounts of data.
“Network security is one of the fastest growing applications for smart cards
this year,” says Jean Claude Perrin, vice president IT & Networks,
Schlumberger Smart Cards. “With e-gate, we’re providing the opportunity to
dramatically reduce the cost and time involved in putting a smart card
infrastructure into place.”
Schlumberger further extends the benefits of e-gate technology by providing
it in two formats. The first is a standard ISO format card, which can
additionally be used as a conventional card in the full range of smart card
terminals – supporting other applications around an enterprise such as
physical ID, door entry and cafeteria payment. This card simply requires a
low cost connector to connect to the PC. The second is a cut-down SIM-style
card format which can be inserted in a token such as a dongle – providing an
ideal portable format for the vast and growing number of users for whom
mobile computing is now the norm.
Each version takes the convenience and ease of use associated with smart
cards to new levels. Both formats are hot-pluggable, so users can connect
the e-gate card while the computer is running, without the need to re-boot.
Both also take their power directly from the USB, eliminating the need for
additional cabling or power connections.
Schlumberger Test & Transactions provides consulting, integration and
products for smart card-based transactions, IP (Internet Protocol) network
security and wireless services, testing and measurement of semiconductor
devices. With 2000 revenue of $1.4 billion and over 8,000 employees in more
than 40 countries, it is a business segment of Schlumberger Limited (NYSE
SLB), a global technology services company with 2000 revenue of $9.6
billion. More information is available at www.slb.com
Following the Federal Trade Commission and Canadian law enforcement authorities recent announcement of the broadest sweeps ever targeting international credit card “protection” fraud, the Commission has obtained a court order banning a defendant in an earlier case from ever engaging in such activity. Under the terms of the stipulated final order, Courtney Ann Wiggs — who marketed the fraudulent protection through a company called Source One Publications, Inc. (Source One) — will also be required to post a $200,000 bond before engaging in any other telemarketing activities. In addition, based on the final outcome of a bankruptcy court ruling, the Commission may receive several hundred thousand dollars that could be used for consumer redress.
According to the Commission’s complaint, from December 1997 through August 1999 Courtney Ann Wiggs used Source One to deceptively market useless credit card protection to consumers in violation of Section 5 of the FTC Act. The complaint, filed in September 1999, alleges that the company’s telemarketers falsely represented that consumers would be obligated to pay for all unauthorized credit charges made against their accounts, when in reality U.S. consumers are only liable for $50 of such charges. In addition, the Commission contends that Wiggs’s telemarketers falsely represented that they were calling from the consumers’ credit card company, and that they failed to promptly disclose that the purpose of their calls was to sell a product or service. Source One also obtained consumers’ credit card numbers under false pretenses, the complaint states, and used them without authorization.
Under the terms of the final order, Wiggs will be banned from selling credit card loss protection services and will be required to post a $200,000 bond before she, or any business she owns or controls, conducts or engages in telemarketing activities. In addition, she will be enjoined from making any misrepresentations related to credit card protection or any other debit account product or service and will be prohibited from selling any credit-related product or service where the purchase is completed over the telephone. Also, pending the resolution of Wiggs’s bankruptcy proceeding, the Commission may receive significant funds that could be used to provide consumer redress in this matter.
Finally, in accordance with the Telemarketing Sales Rule, Wiggs will be prevented from submitting unauthorized charges against consumer accounts or misrepresenting any material facts to consumers. She will be specifically prevented from telling consumers that they have been pre-approved for, or are likely to obtain, an extension of credit. The order also contains standard monitoring and record-keeping provisions to ensure that Wiggs abides by its terms. The Commission vote to authorize staff to file the complaint and stipulated final judgment was 5-0. The complaint and stipulated final judgment were filed in the United States District Court in Arizona. The civil action number is: CV 99-1636-PHX-MHM.Details
Further to the recent unveiling of its new tiers of membership, the MULTOS
Consortium announced the intention of Schlumberger to become an
“Schlumberger is an important addition to our already impressive list of
member companies. The company is known for innovation in the smart card
industry and will bring a number of initiatives as well as focus to aspects
of our technical and business development,” said John Wood, Chairman of the
Drawing on 20 years experience in pioneering smart card innovations,
Schlumberger is continuing to evolve the new generation of smart cards,
parking terminals, ticketing machines, payphones, banking terminals,
servers, software, applications and systems integration that will play a key
role in the 21st century’s digital age.
” Schlumberger is delighted to join the MULTOS Consortium and help
contribute to the ongoing development of MULTOS operating system
specifications,” said Martin Djunte-Ghomsi, Product Manager Banking Smart
Cards. “Our involvement enables us to position the company as a global
supplier of MULTOS-based solutions, encompassing card manufacturing,
consulting, personalisation and MIP services. Our aim is to deliver high
standard value added services based on smart card technology.”
Notes to Editors
How the Membership Works
Founder membership is most appropriate for companies wishing to develop
their own implementation of the MULTOS specification or who want to
contribute to the governance of the Consortium. Key founder members are
operating systems implementers, silicon vendors, card vendors, major
infrastructure suppliers, etc.
Discover Financial Services
Dai Nippon Printing
Fujitsu Group (includes ICL and Amdahl)
Giesecke & Devrient
Alliance membership is for companies that don’t initially intend to
implement the MULTOS specifications but wish to contribute to their
technical development through technical expertise in specific areas or
markets. Principal participation is through the Technical Advisory Group
and associated working groups. Examples of potential alliance members
include technology systems integrators, application developers, technical
card issuers, card vendors, key management systems companies, etc.
Observer membership companies wish to track the development of the
specifications and the workings of the council but their contribution may be
sporadic or non-technical. Typical observer companies could be governmental
bodies, advisory groups, trade associations, non-technical consultancies,
card issuers and systems integrators. Observer membership is not intended
for companies whose smart card product related revenues exceed $1,000,000
per annum, although the Full Consortium members may vote to waive this
Founder membership includes an implementation license and is currently set
at approx. USD 500,000; Alliance membership is USD50,000 for the first year
and USD35,000 renewal; Observer membership is set at USD7,500.
STIP Consortium Releases STIP v2.0
A Java API bringing interoperability to payment terminal market as well as
e- and m-commerce market
Allows PDA, mobile phone, set-top box- designers to use the expertise of
payment terminals manufacturers to tap into secure transaction expertise
San Francisco, May 15, 2001.
The STIP Consortium announces the release of STIP v2.0, enhancing the
ground-breaking Java API specification released last year.
STIP v2.0 provides for the practical deployment of STIP Technologies on a
wide range of devices that have limited memory and processing power but are
required to support applications that meet the strict security, performance
and cost requirements of traditional electronic payment and emerging
“STIP v2.0 solves one of the main practical problems of application
inter-operability” announces Jean-Paul Billon, Chairman of the STIP
Consortium.” The new XML-based User Interface specification allows
applications to easily adapt to a range of device configurations and
accommodate regional variants; multi-application support enables resources
to be shared securely; and the new cryptographic API simplifies support for
secure payment and application management.”
Devices such as payment terminals, payphones, vending and ticketing machines
and PC connected intelligent smart card readers benefit from the flexibility
of STIP since the hardware independent layer it provides allows applications
to be written for one device and then easily ported to another. This
drastically reduces development and certification costs, speeding deployment
and increasing profitability of new applications .
Secure transaction expertise is a hot topic in the e-commerce and m-commerce
markets. Using STIP technology, providers of PDAs, 2.5G and 3G mobile phones
and set top boxes can benefit from the experience of the consortium members
who’s expertise is in providing secure payment solutions.
“Texas Instruments sees the publication of the STIP API 2.0 as a positive
step toward providing secure wireless applications for 2.5 and 3G devices,
said Loic Hamon, European Strategic Marketing Manager Texas Instrument. “The
security features built in STIP 2.0 not only provide an enhanced framework
for secure transaction, but also control features for future STIP-based
” We strongly support the STIP technology as it creates the huge advantage
of complete interoperability of POS platforms worldwide”, says Benoit
Perrin, product-marketing manager Schlumberger. ” By joining forces with the
STIP-members we succeeded in developing a practical and easy-to-implement
API which generates the main advantages of fast roll-out of new applications
and easy maintenance of the installed POS-base for our customers”.
“Ingenico welcomes the publication of STIP 2.0. This is an important
milestone toward interoperability between secure transaction devices. Such
interoperability is needed to accelerate the deployment of secure payment
solutions, especially those based on smart cards. The technology proposed by
STIP 2.0 will help the industry of traditional payment devices to adapt to
the new exigences of the market. It will help also this industry in
exporting its know how in matter of payment and security to new emerging
markets like e- and m-commerce.” said Bernard Morvant, General Manager/
corporate business development & partnerships of Ingenico. “Ingenico is
deeply involved in specifying, experimenting and providing the new standard
that is emerging of the efforts of converging initiatives like STIP, FINREAD
and Global Platform.”
“As a founding member of STIP, VeriFone is enthusiastic about the prospect
of achieving cross-platform interoperability for our industry,” said Eric
Lecesne, general manager of VeriFone’s Technology and Product Operation.
“STIP has the potential to bring greater efficiencies to the development and
certification process, giving developers more incentive to create new
applications that can
run, virtually unaltered, on a range of devices with differing operating
systems. We expect this to further enhance the benefits of our
multi-application Verix platform and our multi-purpose Verix-based
“Cardsoft congratulates the STIP Consortium for the publication of STIP API
2.0. With this version 2.0, STIP has become a major and mature reference for
secure transaction and payment industries. Cardsoft is proud to participate
with some of the main players of the industry in the elaboration,
validation, and, now, deployment of STIP technology. Cardsoft is already
marketing several products related to STIP 2.0 technology. A portable STIP
2.0 platform, eASP, will be available in June of this year for beta-test, as
well as a variant of this platform, eAFINREAD, based on FINREAD
specifications themselves including STIP 2.0 technology. Cardsoft will also
offer a development environment for these platforms, including a PC
implementation of eASP/eAFINREAD, for testing and debugging purpose” said
Donald Sweet, CEO Cardsoft Inc.”STIP 2.0 is essential for bringing
interoperability and security on small devices running secure transactions
applications, and Cardsoft is positioning itself as a major expert and
provider of this technology.”
“We at Thales e-Transactions strongly believe that this latest release of
STIP is a significant milestone on the road to true interoperability on
secure transaction devices. ” said Mike Kerrigan, director of Strategic
Marketing at Thales e-Transactions. “The benefits to our customers in
decreased time to market for new applications will ensure that they can
profitably meet the ever increasing expectations of cardholders and
About STIP Consortium
STIP Consortium (www.stip.org) is an independent
incorporated in March 2000 that defines and promotes the Small Terminal
Interoperability Platform specification. STIP is a complete, royalty free
platform for secure transaction devices such as EFT/POS terminals, mobile
phones, vending machines and payphones and PDAs when used for secure
transactions. STIP is defined to run on Sun’s CLDC configuration.
STIP Consortium’s members comprise the traditional powerhouse of embedded
secure transactions and e-commerce solution providers – manufacturers of
payment terminals, mobile device chipsets, payphones and smart cards.
Current principal members are Bull CP8, Cardsoft, Gemplus, Ingenico,
Keycorp, Landis & Gyr, Lipman Electronic Engineering, Schlumberger,
SmartMove, Texas Instruments, Thales e-Transactions (formerly
Racal-Transcom, Dassault A.T, Krone and ICS) and VeriFone.
The goal of STIP Consortium is to enable Java applications to run with
limited resources on a compact virtual machine and API platform and to make
these applications interoperable among a variety of devices utilizing
different operating systems and microprocessors.
Thales e-Security (formerly Zaxus), a leading worldwide provider of e-Business
security solutions, is set to further expand the capability of its
Personalization Preparation Process (P3) family of systems with the
P3-Server. Bringing new levels of performance and flexibility to the world of
application data generation for smart cards, the family of P3 products
a cost-effective solution whether personalizing 30 cards per day or 30,000
cards per day.
In future P3-Server users, such as card issuers (financial institutions) and
card personalization providers (independent bureaus), will be able to link
their expenditure to the performance they need. With the virtually unlimited
ability to expand the hardware and software capability as the need grows,
Thales e-Security’s new P3-Server system now offers the flexibility of
Ideal for in-line batch processing systems as well as post-issuance
applications, where data is required to be generated and loaded onto cards
dynamically after issuing to cardholders, P3-Server offers a choice of
interfacing methodologies to complement today’s sophisticated smart card
management systems (SCMS). Application independent, P3-Server(R) allows data
for new applications to be generated using the scripts supplied by the
application developers. Thus, no additional software development is necessary
to be able to issue cards containing the new applications.
The P3(R) family as a whole and including P3-Server supports a wide range of
single and multi-application chip cards with the flexibility to offer a range
of different products and solutions to suit a variety of customer needs. P3(R)
is designed to meet the requirements of existing card issuers moving to smart
cards, operators of card personalization systems and systems integrators
requiring smart card data generation capability within their products.
Supporting existing and developing International standards, P3-Server adheres
to the EMV standards for data generation, including EMV style certificates and
data authentication schemes.
Competitively priced, the P3 family of products start at US$ 59,000 and with
P3-Server(R) available in Q3 of this year, Thales e-Security is helping to
Smart Cards a reality.
For more information about P3-Server(R) or other security technologies from
Thales e-Security, visit Booth 2033 at the show or log on to
About Thales e-Security
Thales e-Security (formerly Zaxus, a Thomson Racal company) provides
security solutions to several thousand customers worldwide. Over half of the
world’s banks, together with the majority of the busiest exchanges, currently
use Thales e-Security technology. Operating in three main markets covering
e-security, card payment and network security, Thales e-Security addresses the
business security needs of corporations and governments alike. For more
years the company has been at the forefront of security and payment
co-operating and contributing to set the industry standards used for financial
transactions and e-commerce globally.
About the Thales Group
Thales e-Security is a member of the international Thales Group
(www.thalesgroup.com), formerly Thomson-CSF,
has substantial businesses in information technology & services, aerospace and
defense. Global revenues of the Thales Group are some $8 billion. The group
employs 62,000 people worldwide; 50 percent are based outside France,
2,400 in North America with a turnover of close to $1 billion.
Thales e-Security (formerly Zaxus), a leading worldwide provider of e-Business security solutions, is set to further expand the capability of its Personalization Preparation Process family of systems with the addition of P3-Server. Bringing new levels of performance and flexibility to the world of application data generation for smart cards, the family of P3 products provides a cost-effective solution whether personalizing 30 cards per day or 30,000 plus cards per day.
In future P3-Server(R) users, such as card issuers (financial institutions) and card personalization providers (independent bureaus), will be able to link their expenditure to the performance they need. With the virtually unlimited ability to expand the hardware and software capability as the need grows, Thales e-Security’s new P3-Server(R) system now offers the flexibility of scaleable performance.
Ideal for in-line batch processing systems as well as post-issuance applications, where data is required to be generated and loaded onto cards dynamically after issuing to cardholders, P3-Server(R) offers a choice of interfacing methodologies to complement today’s sophisticated smart card management systems (SCMS). Application independent, P3-Server(R) allows data for new applications to be generated using the scripts supplied by the application developers. Thus, no additional software development is necessary to be able to issue cards containing the new applications.
The P3(R) family as a whole and including P3-Server(R) supports a wide range of single and multi-application chip cards with the flexibility to offer a range of different products and solutions to suit a variety of customer needs. P3(R) is designed to meet the requirements of existing card issuers moving to smart cards, operators of card personalization systems and systems integrators requiring smart card data generation capability within their products. Supporting existing and developing International standards, P3-Server(R) adheres to the EMV standards for data generation, including EMV style certificates and data authentication schemes.
Competitively priced, the P3(R) family of products start at US$ 59,000 and with P3-Server(R) available in Q3 of this year, Thales e-Security is helping to make Smart Cards a reality.
For more information about P3-Server(R) or other security technologies from Thales e-Security, visit Booth 2033 at the show or log on to [www.thales-esecurity.com].
About Thales e-Security:
Thales e-Security (formerly Zaxus, a Thomson Racal company) provides e-business security solutions to several thousand customers worldwide. Over half of the world’s banks, together with the majority of the busiest exchanges, currently use Thales e-Security technology. Operating in three main markets covering e-security, card payment and network security, Thales e-Security addresses the business security needs of corporations and governments alike. For more than 20 years the company has been at the forefront of security and payment technology, co-operating and contributing to set the industry standards used for financial transactions and e-commerce globally.
About the Thales Group
Thales e-Security is a member of the international Thales Group ([www.thalesgroup.com]), formerly Thomson-CSF, which has substantial businesses in information technology & services, aerospace and defense. Global revenues of the Thales Group are some $8 billion. The group employs 62,000 people worldwide; 50 percent are based outside France, including 2,400 in North America with a turnover of close to $1 billion.
IVI Checkmate Corp. announced the addition of sophisticated multi-application and thin client functionality to its eN-Touch 3000, dial-up Internet capable point-of-sale payment terminal. The eN-Touch 3000 is a touch screen transaction terminal capable of handling secure credit, debit, EBT, smart card payments and value added Internet applications such as advertising, loyalty, coupon issuance, e-mail and merchant home pages.
The eN-Touch 3000 is a highly unique transaction terminal that will transcend the traditional transaction model to one that has vast potential to take advantage of the Internet’s “new economy” status. Its compact, all-in-one design that incorporates a thermal printer, stored value (smart card) capabilities and a large back-lit touch screen allows for a multitude of applications to be performed quickly and easily. The high-speed modem in the eN-Touch 3000 provides fast communications over the Internet. Additionally, the open software development environment and large memory that is easily upgradeable provide a platform for various unique applications never before seen on a store level transaction terminal. These applications can include web browser, marketing research, cash register functions, loyalty applications, bill payments, gift cards, on-line help functions and more.
“The eN-Touch 3000’s large touch screen allows the development of new and easier to use applications for the point-of-sale. This unrestricted design feature of the merchant/consumer interface, allows software developers to free up their imagination to create better and easier to use applications for the merchant and consumer alike. IVI Checkmate’s vision has always included the expansion and simplification of applications at the storefront. By adding both secure multi-application and thin client functionality to the terminal, we have increased programmers ability to add applications for gift card activation and redemption, loyalty points programs, image retrieval applications, telephone card activation and more,” says Geoff Bowen, Executive VP and General Manager, IVI Checkmate Ltd.
The eN-Touch 3000 features an easy to upgrade flash memory card that offers a base 4 Mb of memory, right up to 64 Mb. In addition to its vast memory, the terminal features the fastest dial modem, widest printer and largest touch screen of all its competitors. Smart card capability is ensured by an optional SAM board and the Ingenico-manufactured, secure PIN entry device called eN-Crypt 1200. This PIN entry device allows the customer the ability to swipe their own credit or debit card, or insert their smart card to complete the transaction. Combine a host of flexible communication protocols such as TCP/IP, Datapac, LAN and 3201 dial and the eN-Touch 3000 is clearly positioned as the functional and technological leader of dial payment terminals in the world.
The eN-Touch 3000 is also seen as a product that will enable the companies that distribute payment terminals to reduce their support costs dramatically. This will be done through the use of visual help screens on the terminal, as well as through superior diagnostic capabilities enabled through the TCP/IP communications capability of the terminal. Processors could use simple browsers such as Internet Explorer or Netscape to virtually see what is happening at the terminal level at all times, making the communication with the customer at the other end much clearer and easier to understand. Resellers of the terminal can increase its functionality and easily speed the time to market of value-added solutions without the entire payment application being re-certified through the licensing and utilization of IVI Checkmate’s thin client library.
These enhancements to the eN-Touch 3000 through the thin client are enabled by IVI Checkmate’s Network Services group, and provide the infrastructure via local North American access numbers for secure downline loads, Ethernet and ADSL connectivity. Additionally, a thin browser will enable the merchant to access many new functions under development such as inventory control, time and attendance, newsletters, settlement reports etc.
“With this new device, our customers have the opportunity to move beyond simple card payment processing to true information processing, in a compact stand-alone point of sale terminal,” added Bowen. “This is the point-of-sale platform for the future.”
About IVI Checkmate
IVI Checkmate is a major electronic transaction solutions provider in North America. The Company designs, develops and markets innovative payment and value-added solutions that optimize transaction management while lowering our customer’s cost of payment at the point of service within the retail, financial, travel & entertainment, health care and transportation industries. Ingenico, its strategic partner, is a worldwide leader in the manufacture and distribution of smart card-based and secured transaction products and systems. Ingenico’s installed base, which exceeds 3 million point-of-service terminals, serves the needs of customers in over 70 countries and territories. See [www.ivicheckmate.com] for more information on IVI Checkmate. See [www.ingenico.com] for more information on Ingenico.
With two 50 bps rate cuts since April 1, U.S. credit card issuers will realize second quarter net interest margin benefits due to lower funding costs resulting from the easing in monetary policy. The migration to fixed credit card interest rates over the past two years and the lag time in passing reductions on to cardholders with variable rates will produce strong, overall portfolio yields through the end of this year. However slowly rising chargeoffs and intense competition may eat away at this windfall. For consumers, yesterday’s 50 bps cut in short term interest rates will directly affect approximately 55% of the $666 billion in total U.S. credit card outstandings, or about $366 billion. During much of the 1990s, more than 75% of total credit card outstandings were linked to variable rates. Some variable rate credit cards, such as the ‘Wachovia Prime For Life’ card and Chase ‘Prime Card’ are now hitting historical lows, according to CardTrak ([www.cardtrak.com])
Discover Financial Services, a business unit of Morgan Stanley Dean Witter & Co., announced the launch of Inside Biz, a new merchant newsletter designed to enhance communication between Discover Card and its merchants. The newsletter promotes the use and benefits of Discover Card products and services and offers merchants special savings and valuable resources.
Each monthly newsletter, produced by Discover Business Services, the Discover Card merchant network, features interviews with its merchants, industry trends and business and marketing tips. Inside Biz also provides exclusive merchant offers, news on e-commerce initiatives and research on business issues. The newsletter will be included in all monthly merchant statements and appears on the merchant Web site, www.discoverbiz.com.
“Inside Biz was designed with the merchant in mind. By establishing a direct point of contact with our merchant partners we are keeping them informed about our products and services, answering their questions and providing valuable business tips,” said Tom Dailey, senior vice president, Discover Business Services, Discover Financial Services, Inc. “This approach to communication with our merchants gives us the opportunity to provide them with informative resources for their business.”
Discover Financial Services, Inc. ([www.discovercard.com]), a business unit of Morgan Stanley Dean Witter & Co., operates the Discover Card brands with more than 50 million Cardmembers and the Discover Business Services network. Discover Business Services is the largest independent credit-card network in the United States, with approximately four million merchant and cash access locations.
Keyware, one of the world’s leading providers of biometric and centralized authentication solutions, announced the U.S. launch of Smart-Universe, a complete suite of smart card applications. Based on its successful experience in the thriving European smart card market, Keyware has developed a secure, platform-independent suite that addresses a variety of needs, is capable of combining multiple applications and is protected by biometrically enabled technologies.
Companies, consumers and government agencies are increasingly looking for convenient, secure ways to communicate and do business. Keyware’s smart card suite includes features for electronic payments, personal identification, event ticketing, customer loyalty and physical access. Additionally, Smart-Universe is protected by Keyware’s pioneering work in the field of biometrics, the technology of using an individual’s personal characteristics for authentication purposes.
“Biometric authentication can increase the comfort level for both users and information owners or sellers, since fingerprints, voice or facial characteristics are unique, hard to replicate, and very hard to loose,” said Amy Wohl, an analyst from Wohl Associates in Narberth, Pa. who specializes in emerging technologies. “In combination with stored information on a smart card, this technology could significantly increase the number of users who will be confident about storing and accessing private information.”
Keyware provides basic applications and tailor-made solutions for the following markets: electronic payments (Smart-Wallet), customer loyalty (Smart-Shopper), secure identity (Smart-Identity), ticketing (Smart-Show) and physical access control (Smart-Access). Also, because it is platform independent, Smart-Universe is capable of operating on a variety of devices (PC, mobile phone, PSA, ATM, card reader) and networks (PSTN, VPN, www, satellite, GSM). In addition to this broad range of application support, Keyware is able to offer state-of-the art security for smart cards. Keyware’s Central Authentication Server (CAS), with Layered Biometric Verification (LBV) technology, allows organizations to manage all their authentication methods from one server. These methods include PKI, biometrics, smart cards, PINs and passwords. Keyware’s CAS integrates into Internet and network security, physical access, telephony and smart card applications.
“Our Smart-Universe application suite has revolutionized security across Europe and Asia,” said Francis Declercq, president and CEO of Keyware. “By bringing our innovative smart card technology to the United States, we will make vast improvements toward protecting an individual’s safety and identity whether it is at a sporting event or while shopping online.”
Smart cards, already common in Europe and Asia, are being used more frequently now in the United States. They are the size of a credit card and contain a microprocessor (chip), which can be programmed to perform different functions. The chip holds electronic data and programs, such as an operating system.
Securing the cards
Keyware is a pioneer in the field of biometrics and firmly believes that adding biometric authentication – such as fingerprint, voice and face verification – to smart cards greatly improves the security of the card. Enhanced security significantly increases user confidence, which is vital to public acceptance and widespread usage.
An individual’s personal characteristics are unique and cannot be lost, forgotten, stolen or duplicated by an impostor. The cardholder simply enrolls his/her biodata (fingerprint, voice and/or face) and this information is run through an algorithm, which creates a number that is encrypted and stored on the card. Authentication is performed by comparing the biometric templates stored on the smart card chip with live biometric data captured at each transmission.
The user keeps the card with him, maintaining complete control of his personal biometric data. If the card is lost or stolen, it cannot be used by anyone else. Biometric technology allows organizations issuing the smart card to be confident that the individual they are allowing to access information or a location is who they say they are.
Founded in 1996 and quoted on the NASDAQ Europe (formerly EASDAQ) since June 2000, Keyware is one the world’s leading providers of a broad range of authentication solutions for real-world business applications, and a pioneer in the field of biometrics, the technology of verifying an individual by means of personal characteristics such as voice, face and fingerprints. Keyware’s Centralized Authentication Server (CAS) with LBV-technology allows companies to manage multiple authentication techniques, including biometrics, from one central server. CAS optimizes security and convenience for physical locations, e-commerce, network, smart cards and telecommunications applications.
Keyware’s award-winning technology is sold globally through an extended network of OEMs, system integrators and VARs. Co-headquartered in Brussels (Belgium) and Woburn (Mass., USA), you can find more information about Keyware at [www.keyware.com].