CS Gold Upgraded

Diebold, Incorporated unveiled its latest version of CS Gold, the “next generation” in campus card systems, at the CardTech/SecurTech ’99 conference. CS Gold is the first campus card system able to process both online and offline applications.

In educational or corporate campuses, online access control systems allow instant modification or cancellation of access privileges. This provides a higher level of security than offline systems where changes to access privileges may not be implemented for several hours. Having access control systems online greatly reduces any window of opportunity for unauthorized use of lost or stolen cards, limiting the deployer’s risk of loss and liability. For applications other than access control, such as stored value and vending, offline systems may be a more economical and suitable solution.

“Online and offline technologies have their own unique strengths and characteristics,” according to Gary Lorenz, general manager of Diebold Card Systems. “With CS Gold, campus system deployers finally have the ability to combine these technologies to capitalize on the strengths and economies of both. This will allow campus administrators to create even more flexible system designs, and allow them to implement and operate their systems more economically. We are the only campus system solution provider that offers this capability.”

CS Gold, like most Diebold solutions, is modular and scaleable, enabling users to select only the features and functions required to meet current needs while ensuring the ability to grow the system in the future. Diebold currently offers four separate host applications as part of CS Gold: CS Meal Plans, CS Stored Value & Credit, CS Access and CS Entitlements.

System users can implement these modules individually or in combination. This building block approach combined with operational consistency and core level integration provides a seamless migration path for system expansion. Each of the individual modules compares very well with the best standalone transaction processing applications available from other suppliers. When the various CS modules are combined to create a true multi-application system, CS Gold becomes a tightly integrated, uniform product that stands out as the most robust campus system available.

System administrators will experience a familiar look and feel when using CS Gold. It relies on industry standard products including Oracle(R) databases, Crystal Reports(TM) and a Windows NT(R) operating system that conforms to Windows(R) user interface guidelines. Combined with the widely used TCP/IP communications protocols, administrators will quickly feel comfortable with CS Gold.

CS Gold is backward compatible with a wide variety of products and also supports most common network topologies, enabling it to be readily installed in various campus or corporate environments. All Diebold smart card products and modules are compatible with CS Gold. The product was just announced in January 1999, with the recently added smart card capability being shown for the first time at CardTech/SecurTech in booth #822.

Diebold, Incorporated is the global leader in providing integrated delivery systems and services. Founded in 1859, the company employs more than 6,000 associates in some 120 locations worldwide with headquarters in Canton, Ohio, USA. Diebold reported revenue of US $1.2 billion in 1998 and is publicly traded on the New York Stock Exchange under the symbol ‘DBD.’ For more information, visit the company’s Web site at [www.diebold.com][1].

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


MoneyGram Suit

MoneyGram Payment Systems reached a settlement Wednesday of a class action lawsuit pertaining to MoneyGram’s disclosures to consumers of currency exchange rates on wire transfers from the U.S. to Mexico. As part of the settlement, MoneyGram will include disclosures regarding currency exchange rates on transfers to Mexico in its price-related advertising and on its customer receipts. MoneyGram will also issue discount coupons on future transactions to MoneyGram customers who wired funds to Mexico after Dec. 16, 1996. MoneyGram will also donate over $300,000 to a fund to be administered by charitable organizations serving the Mexican-American community.


VISA & VeriSign

VISA and VeriSign announced an agreement Wednesday to deliver Internet payment solutions to serve the e-commerce business needs of VISA acquirers and merchants. The two organizations will deliver a value added e-commerce solution that can be customized and branded to enable acquirers to issue VeriSign SSL digital certificates directly to merchants wishing to accept payments securely over the Internet. Plans call for this service to be launched this summer.



MasterCard International released four new ‘MULTOS’-based smart card applications Wednesday designed for the corporate and government market. MasterCard’s members will, for a limited time, be granted exclusive access to the new ‘MULTOS’-based applications, which provide network security, biometric authentication and physical access. Since all the applications may reside on single card it marks the world’s first installation of four unique applications on a single ‘MULTOS’ smart card. VA-based Logicon, Inc. developed three of the ‘MULTOS’ smart card applications to allow corporations and government agencies to strengthen computer, network, and web site security using a smart card. Logicon has also developed an asset tracking application to help large companies track and manage corporate property used by employees. Separately MAOSCO announced Wednesday there are currently 30 implementations of ‘MULTOS’ cards worldwide and there are commitments to-date of 14 million ‘MULTOS’ smart cards.


PVS Net v.2

ProCard, Inc. Wednesday announced the release of the most advanced Interned based commercial card management application in the market, PVS Net version 2. ProCard pioneered the first Internet based purchasing card management application when it launched PVS Net in 1997. PVS Net offers private and public sector clients a complete array of features necessary to support their credit card purchasing programs. PVS Net now provides hundreds of clients this online tool to monitor, manage and report on credit card purchasing activity.

Today’s announcement clearly positions ProCard as the commercial card industry’s leading technology provider. By focusing on both procurement and travel, ProCard is demonstrating its commitment to the Internet as a key strategic direction. Two features available immediately highlight this commitment. One allows immediate compatibility with Quicken ExpensAble, the world’s leading travel expense management software. The second expands client purchasing card capabilities to include automated cost allocation, a feature that promises to revolutionize the way organizations utilize Internet business applications.

Travelers can gain immediate benefits from today’s announcement by using PVS Net v.2 in conjunction with Quicken ExpensAble from On The Go Software to pre-populate their expense envelopes quickly and easily using PVS Net v.2’s unique offline data delivery option. Now, for the first time, organizations can support both their purchasing and travel technology needs through a single Internet portal.

ProCard clients will also get immediate benefit from PVS Net v.2’s new ability to automatically categorize transactions by expense type. Each expense type can then be associated with a unique client account code that enables the transaction to be merged electronically into the client’s general ledger system. Clients will have the ability to maintain their own general ledger values within PVS Net v.2.

“We believe that Internet based commercial card systems will be the ultimate technical solution for commercial card programs,” said D. Dale Browning, CEO of ProCard. “With the rollout of PVS Net v.2, we are beginning an evolutionary strategy to close the gap between our Internet offerings and the broad functionality available on our client server platform. However, we believe that there will continue to be a demand for various technical solutions which include client server and Intranet offerings in addition to Internet.”

ProCard also announced that within 60 days it will offer several new and exciting features for the first time ever on an Internet application. Custom Mappers can completely automate general ledger updating, saving organizations thousands of dollars per month in manual key entry tasks. Other new features coming to PVS Net include standardized statements, general ledger reports, and a new Query Library that allows users to store commonly used queries into a user library. PVS Net v.2 is also expanding its data archiving capabilities from 6 months to 13 months making annual reporting a realistic Internet feature for the first time.

“These new features will increase the value of PVS Net immensely,” said Cindy Meyer of Bank One. “We think more of our customers will seriously consider making PVS Net v.2 their technology choice for commercial card reporting.”

Currently, ProCard offers PVS Net to private and public sector clients through most of the largest commercial banks in the United States and Canada. These banks offer their customer a package consisting of ProCard’s commercial card management technology and services with a bank issued purchasing, travel or fleet card. ProCard supports Visa or MasterCard branded products or other proprietary card types.

ProCard, based in Golden, Colorado, provides commercial card management technology and services to financial institutions offering Visa or MasterCard branded products. These institutions then sub-license the technology to their clients. Nearly three quarters of North American banks actively participating in this market have installed ProCard technology at hundreds of their client sites.


Smart Cards & Fraud

Smart cards have dramatically reduced bank card fraud in France according to figures released Wednesday by the French bank card group, Groupement Cartes Bancaires. GCB says card fraud has been reduced ten-fold during the 10 years since the introduction of the smart cards as a replacement to the mag stripe cards in France. In 1988 the fraud rate stood at 18 basis points of volume. Last year bank card fraud stood at 1.8 basis points of volume. GCB also pointed out that during this same period, the number of transactions nearly tripled, from 1.2 billion in 1988 to 3.1 billion last year.


MBNA Roberto Clemente Card

MBNA America Bank, N.A., announced that it has received the endorsement of the legendary Pittsburgh Pirate Roberto Clemente’s 21 IN RIGHT organization to issue credit cards to its members.

MBNA now has the endorsement of 17 Major League Baseball teams and is the Official Credit Card Issuer of Major League Baseball. Nearly 900,000 MBNA Customers carry a credit card endorsed by Major League Baseball or one of its teams.

The endorsement of Roberto Clemente’s 21 IN RIGHT represents an important addition to MBNA’s growing list of sports organizations. Among the endorsements received by MBNA are Major League Baseball, the National Football League, the National Hockey League, and the National Association of Stock Car Racing (NASCAR).

MBNA Corporation (NYSE: KRB), a bank holding company and parent of MBNA America, N.A., a national bank, has $62.1 billion in managed loans. MBNA, the largest independent credit card lender in the world, also provides retail deposit, consumer loan, and insurance products.


Super Smart Card

Polaroid and Atmel Corporation announced Tuesday, at the CardTech/SecureTech Conference, that they will be demonstrating a revolutionary secure identity card application that merges the fields of ultra secure smart cards, fingerprint verification, card printing, biometric identification and digital imaging.

The demonstration shows how digital imaging and secure smart card technology are being used to create ultra secure ID cards that include biometric identification (a fingerprint), as well as photo ID and other information. Anyone who wants to participate in the demonstration may enroll at Polaroid’s Booth 466. There they will receive a photo printed ID card that includes a digitized version of his/her fingerprint stored in the smart card’s memory. The card holder may then proceed to Atmel Booth 546 where he/she will be asked to insert the smart ID card and have their actual fingerprint read using Polaroid’s PFS-100 fingerprint imaging system jointly developed by Polaroid and Atmel. The PFS-100 system compares the card holder’s actual fingerprint against the fingerprint stored in the smart card to verify the holder’s identify. Cardholders whose identities are verified against their cards will receive a gift. Show attendees are encouraged to test the system by using other people’s cards, as well as their own.

Biometric identification, such as that provided by finger images or facial recognition software, is virtually infallible because the cardholder’s ID is tied to his/her unique physical characteristics. The information stored on the card is protected by circuits inside the cards themselves that perform encryption/decryption of the data on the card. The tiny smart card circuits in Polaroid’s ID cards are actually integrated circuits, called smart card ICs, supplied by Atmel Corporation.

Atmel’s smart card ICs are acknowledged to be some of the most secure designs available in today’s market with the ability to perform critical encryption/decryption tasks within the card and able to securely identify the system or person reading the card, thereby virtually guaranteeing that sensitive personal information will never be written to or leave the card undetected or without authorization. This system is ideal for driver’s licenses and other forms of identification.

Philip J. Scarfo, Vice President of Polaroid’s Biometrics Systems said, “We all use cards for identification. The drivers’ license has been the core of most identification systems worldwide for decades. The security requirements of the future require a much higher level of physical verification and attention to increasingly sophisticated fraud and electronic ‘hacking’. Smart ID cards provide this ultra high level of security in the familiar ID card format everyone is used to.

“Polaroid leads the secure identification market, currently producing digital driver’s licenses in California, Texas, Georgia and West Virginia in the U.S., and internationally providing identification documents for governments in more than 60 countries including Brazil, the United Kingdom, the Philippines, Russia and China. Collectively, our systems worldwide currently hold more than 250 million image and fingerprint records –arguably more than the FBI.

“The newest biometric smart ID cards from Polaroid and Atmel provide significantly greater ID security at a very low cost. We expect the biometric IDs to become a world wide ID standard in the next few years. “Scarfo concluded.

Alex Giakoumis, Senior Adviser to Atmel commented, “Frost and Sullivan estimates that the market potential for smart ID cards alone is estimated by analysts to easily exceed $1 billion by 2003.

“We’ve all heard stories about underage kids getting fake IDs,” Giakoumis noted. “Smart ID cards can absolutely prevent this problem. However, the real issue relating to personal identification in today’s society are identity theft, check fraud, and internet e-commerce fraud. To solve these problems, the public and authorities need to be able to spot counterfeit identities quickly and cheaply. Individuals equally need to be able to protect their privacy and identity. The secure ID solutions we are demonstrating today that use secure data in conjunction with digital imaging and biometrics provide the absolute security required in today’s environment.”

The CardTech/SecureTech conference is being held in Chicago, Illinois, at the Chicago Convention Center, in McCormick Place South. Atmel is located in Booth 546 and Polaroid is located in Booth 466.

Founded in 1984, Atmel Corporation is headquartered in San Jose, California with principal manufacturing facilities in Colorado Springs, Colorado, Nantes and Rousset, France and Heilbronn, Germany. Atmel designs, manufactures and markets on a worldwide basis advanced logic, mixed-signal, nonvolatile memory, and RF semiconductors. Atmel is also a leading provider of system level integration semiconductor solutions using advanced CMOS, BiCMOS, BiPolar and SiGe process technologies.

The new AT88SC1608 smart card IC provides 17,408 bits of serial EEPROM memory organized into nine zones – eight user zones and one configuration zone. The device is optimized as a secure memory system for the smart card market. It provides secure identification without the need for a microprocessor. The chip includes 64-bit authentication, eight sets of passwords and both authentication and password attempts counters.

Polaroid Corporation, with annual sales of more than $1.8 billion in 1998, is the worldwide leader in instant imaging. Polaroid supplies instant photographic cameras and films; digital imaging hardware, software and media; secure identification systems; graphics imaging systems; sunglasses and polarizers to markets worldwide.


Dilbert VISA

NextCard and United Media announced a joint Internet marketing agreement this morning to offer co-branded products and card services for ‘DILBERT’, the icon of American corporate culture. NextCard and United Media will collaborate to create the ‘DILBERT VISA’. NextCard, the “First True Internet VISA” says it has generated 1.7 million online applications for its card products since December 1997. NextCard is in its second year of advertising on CardWeb’s online consumer channels.


UbiQ & VISA Open Platform

UbiQ Incorporated announced an integrated set of personalization applications for card issuers and service bureaus for the issuance of smart cards compliant with the Open Platform(TM) standard developed by Visa. The applications are based on a patented technology developed by UbiQ to provide card personalization solutions that provide maximum capability and flexibility at minimum cost.

The UbiQPersoMaster application suite allows Open Platform card issuers to plan new smart card programs and associated personalization processing, prepare personalization data (compliant with Visa’s recommended Personalization Preparation Process), manage security keys for multiple applications, and personalize smart cards. The set of applications supports numerous financial smart card programs, including Visa Cash DES, Visa Cash RSA, and Visa Smart Debit/Smart Credit, and can be quickly configured to support proprietary applications.

“UbiQ’s products greatly complement the Open Platform,” said David R. Tushie, president of UbiQ. “While the Open Platform provides the card issuer an open environment for selection of card manufacturers and applications, UbiQPersoMaster provides the issuer with an open environment for selection of personalization devices, applications, secure key management schemes, and data management options. When combined, Visa Open Platform and UbiQ’s industry leading software provide card issuers and service bureaus with superior solutions and the ability to move quickly in a rapidly changing market.”

About UbiQ Inc.

Founded in 1994, UbiQ Inc. (http://www.ubiqinc.com) is a rapidly growing, privately held software firm based in Minneapolis, Minnesota, that has developed proprietary, patented technology for high-volume smart card personalization. UbiQ’s mission is to be the highest value integrator in the smart card issuance process, reducing the time and cost necessary for secure, faultless “mass” card issuance. The company markets its products in 80 countries worldwide to smart card issuers including Visa and MasterCard member institutions. Other customers and partnerships include card service bureaus, smart card manufacturers, and card personalization and printing equipment manufacturers. Target markets for UbiQ’s software include Internet and electronic commerce, financial services, secure networks, travel and entertainment, stored-value cards, pay phone, digital wireless and GSM, national ID cards, and healthcare.

About Visa Open Platform

Open Platform is a comprehensive system architecture designed by Visa that enables fast and easy development of globally interoperable smart card applications. It offers card issuers secure, flexible control and management of dynamic, multifunction smart cards. This non-proprietary platform leverages best-of-breed technology, such as JavaCard from Sun Microsytems [Nasdaq: SUNW] and SmartCards for Windows from Microsoft [Nasdaq: MSFT]. Further information is available at http://www.visa.com/OpenPlatform/.

A U.S. Patent has been issued and others are pending for UbiQ’s software solutions. UbiQ(R) is a registered trademark of UbiQ Incorporated and UbiQPersoMaster(TM) is a trademark. Visa and Open Platform are trademarks of Visa. Other names or trademarks used herein are the property of their respective owners.


Web site: [http: //www.ubiqinc.com][1] [http://www.visa.com/OpenPlatfor][2]

[1]: http://www.ubiqinc.com
[2]: http://www.visa.com/OpenPlatform