SCM Cards for Streamaster

SCM Microsystems, Inc., a leading provider of solutions that open the Digital World, has announced that Motorola, a global leader in providing integrated communications and embedded electronic solutions, has selected SCM as its smart card interface supplier of choice, for Motorola’s Streamaster 5000 advanced set-top box. Streamaster is a multimedia broadband information, entertainment and communications center that derives its content from xDSL service providers.

![][1] SCM will provide Motorola with its Smart Transporter Chip(TM), a universal smart card reader interface, based on SCM’s widely adopted SmartOS(TM).

“SCM has an excellent reputation for its smart card-based solutions and the Smart Transporter Chip is a great solution for our set-top boxes,” said Jackie Beauchamp, general manager, Multimedia Systems Division at Motorola. “SCM demonstrated the ability to control both design and manufacture of its chips. Also, it was important that SCM could supply us with the large quantities of product needed, as we predict high demand for Streamaster 5000.”

Streamaster 5000 supports a rich variety of basic and enhanced services. These include premium digital TV, Web browsing, e-mail, online 3-D games, personal video recording and video/music-on-demand. By incorporating SCM’s Smart Transporter Chip, Motorola’s newest set-top box will also support smart card-based payment transactions for items such as pay-per-view movies, music downloads and T-commerce purchases.

“Being chosen as a supplier of choice for one of the world’s leading names in broadband communications is the highest endorsement — not just for the quality of our products, but for our ability to manufacture and produce units in very high volume,” said Jason Schouw, vice president of U.S. sales for SCM’s PC Security division. “Our smart card chips are extremely versatile and can be used in a variety of platforms and applications. Combined with our manufacturing capability, OEMs have a powerful argument to buy from SCM.”

SCM’s Smart Transporter Chip enables easy integration of support for all smart cards, including ISO 7816 compliant smart cards. The Smart Transporter Chip’s architecture is based on open standards and is upgradeable to support new smart card protocols and functions.

About SCM Microsystems

SCM Microsystems is a leading supplier of solutions that open the Digital World by enabling people to conveniently access digital content and services. SCM’s advanced silicon solutions, hardware and software enable secure exchange of electronic information for digital applications from e-commerce to broadband content delivery by providing controlled access points to platforms such as PCs, digital cameras and digital television set-top boxes. Known as a premier supplier to OEM companies around the world, SCM also serves the retail market through its Dazzle, Microtech and FAST product brands. Global headquarters are in Fremont, Calif., with European headquarters in Pfaffenhofen, Germany. For additional information, visit the SCM Microsystems Website at [http://www.scmmicro.com][2].

About Motorola

Motorola, Inc. is a global leader in providing integrated communications and embedded electronic solutions. Sales in 2000 were $37.6 billion. For more information, please visit the Motorola Web site at [http://www.motorola.com][3] or [http://www.motorola.com/streamaster/][4]

[1]: /graphic/motorola/motorola.jpg
[2]: http://www.scmmicro.com/
[3]: http://www.motorola.com/
[4]: http://www.motorola.com/streamaster

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MC Asia-Pacific

[][1] MasterCard reported that the Asia Pacific region (excluding China) recorded particularly strong results for 2000, as gross dollar volume rose 53.9% for the full year, and 51.2% for the fourth quarter. In 1999, the Asia Pacific region (excluding China) had reported a 16.5% year-to-year increase, as the region began to recover from an economic crisis. Contributing to the 2000 volume growth was particularly strong performance in the following market clusters: Korea (up 114.6%), Greater China (excluding China) (up 39.1%), South East/South Asia (up 27.1%), Australia/New Zealand (up 22%), and Japan (up 18.3%). Asia Pacific (excluding China) also reported strong growth in cards issued (up 17.9%), and transactions (up 34.6%). The number of locations where cardholders can use their MasterCard cards rose 18.9% in the Asia Pacific region. For VISA and MasterCard international data visit RAM Research Group ([www.ramresearch.com][2])

[1]: http://www.ramresearch.com/
[2]: http://www.ramresearch.com/

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PC Pay Agent Test

MerchantOnline, a provider of secure transaction networks and devices for credit cards and debit cards, announced Wednesday that it has successfully verified that the newest version of PC Pay Agent Software works on the 250 most widely used Internet websites. The verification process was done without the knowledge or assistance of any of the listed sites in order to prove that no involvement by the merchant was required to use MerchantOnline’s one-time use card number.

The PC Pay Agent supports the use of the patented PC Pay(R) device for making secure card present Internet transactions with credit, debit, and smart cards on both existing and new sites with no modification required to the merchant’s web site. PC Pay Agent is activated on the consumer’s computer when the user installs a PC Pay device. PC Pay Agent populates the merchant’s payment screen with a one-time use card number that routes the encrypted card data to the appropriate processing center. MerchantOnline’s system then decodes the data and sends an approval code to the merchant. The number is then discarded and may not be used again. The PC Pay Agent’s design allows it to work with virtually all merchant websites on any payment processing platform including VISA, MasterCard, AMEX, Diner’s Club, and STAR.

The following list includes some of the sites that have actually been verified by MerchantOnline: 1800Flowers, Amazon (Nasdaq:AMZN), Ann Taylor, Gap, Barnes and Noble, Bloomingdale’s, Borders, Brook Stone, Circuit City, CVS/Pharmacy, Disney Store, Egghead, Home Depot, IBM ThinkPad (NYSE:IBM), J.C. Penney, J Crew, Kmart, Lands End, Macy’s, Martha Stewart, Microsoft Press (Nasdaq:MFST), Nordstrom, Office Depot (NYSE:ODP), Playboy, Polo (Ralph Lauren), QVC, Radio Shack, Starbucks, Target, The Sports Authority, Tiffany, Ticket Master, Toys R Us, United States Postal Service Online Store, Victoria’s Secret, Walgreen’s, Wal-Mart.

“We are very pleased with the functionality and flexibility shown by our latest secure eCommerce infrastructure system development,” said Tarek Kirschen, MerchantOnline CEO. “We believe our PC Pay Agent certification tests proves our eCommerce transaction solution offers the most secure online transaction model with no impact to eMerchants as well as the security comfort consumers require.” The PC Pay agent solution requires no expensive modifications to merchant web-servers and interfaces to virtually all electronic shopping carts used in eCommerce transactions today. This is a major differentiator in our secure eCommerce solution.”

About MerchantOnline.com

Founded in December 1997, MerchantOnline provides a secure transaction network that enables business and consumers to use one payment system for both their real world and virtual world needs utilizing credit card, ATM/debit cards and other payment programs.

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VAST ATTMs

Paciolan and Value Automated Systems Ticketing Inc., signed an agreement to place VAST’s attendant-free ticketing kiosks at Paciolan’s customer sites, which include some of the highest attended sports and entertainment venues in the country.

The machines, which will be located in high-traffic areas at these live entertainment venues, will give ticket buyers another purchase point and help alleviate long lines at box offices.

Paciolan’s e.Venue software will serve as the digital link between the VAST automated ticket and teller machines (ATTM) and Paciolan’s back office ticketing platform. This digital link allows real-time, 24/7 access to best available tickets at the ATTMs, so patrons are assured the same ticket availability whether they purchase their tickets at the box office or through the ATTMs.

Patrons will also be able to withdraw cash from the ATTMs. In a few months, functionality allowing reserved tickets to be picked up at the machines rather than at a will call window will be added, further enhancing attendees’ entertainment experience at the event.

“VAST will play an important role in all of our market segments, particularly in professional sports and attractions,” said Jane Kleinberger, Paciolan’s chief executive officer. “With this partnership, we demonstrate our commitment to an open market strategy that emphasizes best-of-breed technology. This is another step in Paciolan’s plan to bring greater value to our customers through strategic alliances.”

“Paciolan is a leader in the industry,” said Ed Mitchell, VAST’s chairman of the board. “It’s quite an honor to be aligned with a company with their reputation and stellar client base.”

National Aquarium in Baltimore will be Paciolan’s first customer to begin using VAST’s attendant-free ticketing machines. The Aquarium plans to have two machines in place at the main entrance in time for the busy summer season. Eventually, the Aquarium expects to have six ATTM machines.

Paciolan’s ticketing solutions include a back office ticketing platform and e.Venue software, which enables venues to sell their own tickets through various channels, including the Internet and now through ATTM machines. Paciolan gives live sports and entertainment venues the tools to manage their customer relationships without relying on traditional ticket distributors, brokers and other intermediaries.

About VAST

Value Automated Systems Ticketing Inc. (VAST) of San Diego, is the developer of the attendant-free Automated Ticket and Teller Machine. VAST is in partnership with Fujitsu, a top manufacturer of ATMs, to provide automated ticketing and cash machines that are custom-programmable for each venue’s needs. The machines are self-service, accept credit cards, accept cash and make change. VAST provides customers with hardware, software, financial services, technical support and maintenance. VAST markets its products to movie theaters, sports facilities, ski resorts, themed attractions, transportation, and multi-purpose venues.

About Paciolan

Paciolan is a privately held corporation based in Irvine that provides software products to facilitate automated ticketing. The company, founded in 1980, is the dominant technology provider for live entertainment ticketing. Paciolan currently has contracts with some 200 organizations that operate more than 500 professional sports, university athletics, performing arts, museums, and attraction venues throughout the United States, accounting for more than 85 million tickets a year.

Paciolan customers include: the St. Louis Rams, San Diego Padres, Arizona Diamondbacks, Colorado Rockies, Florida State University, University of Notre Dame, The Ohio State University, University of Nebraska, American Museum of Natural History, San Francisco Ballet, Boston Museum of Fine Arts, Dover Downs Entertainment Inc. and Graceland Mansion Tours. The company’s Web site address is [http://www.paciolan.com][1].

[1]: http://www.paciolan.com/

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Jazzy ATMs

More than 160 Firstar Bank ATMs in the Greater St. Louis area are now equipped to sell ticket vouchers for the Firstar St. Louis Jazz Festival. To kick-off this new service to the community, Firstar ATMs located at the Firstar Plaza in downtown St. Louis and at 10 North Hanley in Clayton will have jazz musicians belting out tunes for those visiting these ATMs. The musicians will be playing from 11:30 a.m. until 12:30 p.m. on Wednesday, April 4 at these two special locations.

The Firstar St. Louis Jazz Festival will be held this year at Shaw Park in Clayton on Friday, June 22, from 5 p.m. until 10 p.m. and on Saturday, June 23, from noon until 10 p.m. Ticket vouchers will be available through Firstar ATMs as single day passes good for either Friday or Saturday for $15, or a two-day pass for $25.

Cathy Myers, senior vice president of Firstar Bank, noted, “We are always looking for ways to make life more convenient for our customers, so making it easy for them to purchase tickets for the Jazz Festival at Firstar ATMs was a natural. Our ATMs currently offer cash, postage stamps, phone minutes and other services and products and now they can offer people a ticket to a great event. We are proud to be a part of the festival and at the same time give back to the community by sponsoring an event that is good for all of St. Louis.”

To purchase the vouchers all a cardholder has to do is insert his or her card, enter their Private Identification Number (PIN) and look for the “Jazz Festival” on-screen icon. The rest of the process is explained on the screen. Once the transaction is completed, the cardholder will receive a ticket voucher, which can be redeemed at the Jazz Festival in Shaw Park for a wristband good for admission into the event.

Cindy Prost, executive director of the Firstar St. Louis Jazz Festival, commented, “We are pleased to have Firstar as a partner for the Jazz Festival. Not only is Firstar a great sponsor of the festival, Firstar is making the process of buying a ticket for the event very easy. With Firstar’s commitment to the festival and public support, this will be a successful event even before the first musician plays a note.”

The ability to purchase Firstar St. Louis Jazz Festival ticket vouchers at Firstar ATMs is open to both Firstar customers and non-customers. Also, there is no ticket-handling fee connected with the purchase of the vouchers.

Firstar Bank is a subsidiary of U.S. Bancorp. With assets in excess of $160 billion, U.S. Bancorp is the 8th largest financial services holding company in the United States. The company operates 2,239 banking offices, 5,208 branded ATMs, and provides a comprehensive line of banking, brokerage, insurance, investment, mortgage, trust and payment services products to consumers, businesses and institutions. Visit U.S. Bancorp on the web at usbank.com and Firstar Bank at firstar.com.

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Transfer Fees

While some major issuers have imposed a 3% balance transfer fee, Chase is now charging some cardholders a $50 flat fee for balance transfers. However the fee does not apply to initial transfers connected with a specific offer. Chase also says it may waive the fee under certain circumstances. Meanwhile, First USA, the first issuer to levy balance transfer fees, continues to charge a 3% balance transfer subject to a $5 minimum and a $35 maximum. First USA’s latest offer for its ‘Titanium VISA’ offers a fixed 1.9% six-month intro rate on balance transfers, according to CardWatch ([www.cardwatch.com][1]). Citibank also charges a 3% balance transfer fee subject to a $10 minimum and a $29 maximum. Citibank is currently offering new customers a 0% intro rate on balance transfers exceeding $3,500, and a 1.9% intro rate on balances below $3,500, until the Jan 2002 billing period, according to CardWatch ([www.cardwatch.com][2]).

[1]: http://www.cardwatch.com/
[2]: http://www.cardwatch.com/

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ABM Trouble

Oceanside, CA-based Greenland Corp. said last night it is temporarily pulling the plug on its ‘MaxCash’ automated banking machine. The action was due to greater than acceptable check processing risk and operating losses caused by software problems. As a result, Greenland is temporarily suspending all of the check processing operations for its Check Central subsidiary. The problems center on software developed by Seren Systems. Greenland says a review of the latest version of the transaction processing code found it to be lacking much of the direct feature functionality required to provide immediate relief to its risk management and business processes. Greenland estimates it will take at least six-months to replace the system with new software. The ‘MaxCash’ ABM provides self service check cashing, ATM functionality, phone card and money order dispensing, as well as other products and services. The machines were first deployed in Reno and Las Vegas, Nevada. (CF Library 8/21/00)

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India Card Plant

Versatile Card Technology, Inc., one of the world’s largest plastic card manufacturers, is announcing the opening of a 60,000 square foot production facility in Chennai (Madras), India.

This new venture, Versatile Cards Ltd., is a wholly owned subsidiary of VCT and is scheduled to begin operations in May 2001.

VCT is opening this new facility in response to an increase in plastic card business in international markets over the past several years. The VCP production facility in India will primarily serve the European and Asian card markets.

VCP is expected to have an annual capacity of 80,000,000 cards, produced for a variety of applications, including credit cards, bank cards, ATM cards, loyalty programs, membership cards, identification cards, and direct marketing.

VCP will also have state-of-the-art milling, embedding, and encoding equipment to be able to produce chip cards and smart cards.

A minority business venture founded in 1986, Versatile Card Technology, Inc. is a MasterCard and Visa certified plastic card manufacturer that currently produces more than 600,000,000 cards per year.

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CashNet

Euronet Worldwide and National Telecommunications Company announced this morning the formation of ‘Cashnet’, a branded EFT network for Egypt. The new network is also being funded by the Quantum Fund. ‘Cashnet’ will launch 50 ATMs by June, and the company’s business plan calls for the operation of 500 ATMs by 2004. The services ‘Cashnet’ will provide to Egyptian financial institutions include: At this time, ‘Cashnet’ has entered into agreements to provide services to Citibank, Egyptian American Bank, VISA, MasterCard, American Express, and Diners Club International. As part of this agreement, Euronet Worldwide will provide ‘Cashnet’ with day-to-day management services, and processing of ‘Cashnet’ electronic transactions via the company’s Budapest, Hungary, processing center. Egypt has 65 million people.

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MicroCreditCard Solutions

microCreditCard, Inc., the Internet’s leading credit card-based micro-payment facilitator and alternative billing provider, Tuesday introduced a new suite of payment-processing services that offers unparalleled simplicity, security and ease-of-use to companies that sell digital content online. These innovative services enable producers of news, music, books and video to control and manage the roll-out and provisioning of their online payment process in real time, through a user friendly, cost effective, non-intrusive process. The full suite includes microCreditCard Managed, Managed Plus and Premium. “Content is still king, but in the dotcom aftermath dazed CEOs are wondering how to make a profit selling digital content online,” said Leslie Poole, CEO of microCreditCard. “We can’t guarantee customers will buy, but we can provide the tools to make credit card sales happen. Businesses can set up a microCreditCard account and begin realizing revenue the same day – saving them time and money. What usually takes weeks or months to accomplish through other industry payment solutions can now be done in minutes with microCreditCard.” microCreditCard created its new services suite in response to client feedback citing frustration with the difficulties and cost involved in developing a payment process. microCreditCard is not only one of the first companies to offer a micro-payment solution, but its new services suite is the only same-day solution enabling credit card transactions.

The new services comprise a broad range of robust business-class features such as digital content management, fraud protection, advanced reporting, download-free installation, enhanced transaction security and the ability to sell digital content either via subscription or in “unbundled” individual units (such as a single MP3 song).

About microCreditCard

Headquartered in Arlington, Va., microCreditCard, Inc., is the Internet’s leading credit card-based micro-payment facilitator and alternative billing provider. Founded in 1999, microCreditCard’s robust solution, which consists of a Content Gateway(TM), a Payment Gateway(TM), and an Aggregation Engine(TM), is easy to set up and allows transactions for 10(cent) and higher. microCreditCard offers three tiers of service – microCreditCard Managed, Managed Plus, and Premium – depending on the needs of the merchant. For more information about microCreditCard, please visit our web site at [www.microCreditCard.com][1].

[1]: http://www.microcreditcard.com/

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Incurrent Award

Incurrent Solutions, Inc., the premier provider of web-based cardmember relationship management solutions to credit card issuers and transaction processors, was awarded the most prestigious prize, ‘Company Most Likely To Succeed’, by the New Jersey Technology Council (NJTC) during a ceremony at Liberty Science Center in Jersey City, New Jersey today.

A select 61 companies from the Mid-Atlantic states made presentations to a blue ribbon panel of judges and an audience of close to a thousand people at the New Jersey Venture Fair. The judges – top venture capitalists, executives from financial and professional services firms, and academia – were particularly impressed with Incurrent’s CardSite ä solution.

The CardSite platform enables card issuers to provide time savings, a broad array of easy to use features, and more personalized service to their customers whether through web, wireless, or voice channels. Issuers using the technology immediately reduce costs, increase customer loyalty, and build brand equity. CardSite is in use by such institutions as Fleet Bank, NextCard, Equifax, and Fiserv, some for as long as three years.

‘It is an honor to have such a high caliber group of people involved in venture capital select us for this award,’ Incurrent Solutions CEO Loren Hulber said. ‘It further validates our belief that consumers and financial institutions can improve and strengthen their relationship through our service no matter how it is delivered.’

The CardSite platform currently services more than 100 million consumer accounts and has grown more than six-fold in the past 15 months, up from 15 million accounts in January, 2000.

Ty Williams, Senior Vice President & Manager, Technology Financial Services & Consulting Group of First Union National Bank, presenting the award on behalf of the NJTC added, ‘A key factor in the judges selecting Incurrent was how quickly the industry has embraced the technology and the high marks it has earned with consumers from studies conducted by such respected organizations as Gomez Advisors. Another factor was the proven leadership capabilities of Loren Hulber (nominee to the 1999 Ernst & Young Entrepreneur of the Year Program) who has led the Incurrent team to accelerated growth, acquisition of prestigious customers, and the completion of management staffing and processes.

About Incurrent Solutions

Founded in 1997, Incurrent Solutions, Inc. ([www.incurrent.com][1]) designs, implements, hosts, and maintains customer self-service Web sites for card-issuing banks and transaction processors. Incurrent’s clients include Fleet Credit Card Services, Providian Bancorp, NextCard, Equifax Card Services, Fiserv, and Alliance Data Systems. In the last year Incurrent has seen the volume of its clientele’s total cardmember base grow from 15 million to over 100 million, reflecting a rapidly growing industry need for its services. CardSite, Incurrent’s cutting-edge, Internet-based account acquisition and service ASP solution, enhances the cardholder relationship thereby cultivating increased account loyalty at a cost significantly lower than traditional customer interaction methods. Cardholders enjoy real-time access to account information, on-line statements, bill presentment, secure e-mail, reports, searches, interactive sessions, and other service-enhancing tools for web, wireless and voice channels.

About The NJTC

Founded in 1996, the New Jersey Technology Council provides recognition, networking, information and services for New Jersey’s technology businesses. By collectively representing technology-intensive industries and the institutions and service companies that support them, the NJTC has successfully provided a forum for technology companies within New Jersey to share ideas, exchange news and recognize notable accomplishments.

[1]: http://www.incurrent.com/

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