GemSAFE Extended

Gemplus Software, the recently announced group from Gemplus, the world’s leading provider of smart card solutions, Thursday announced a major extension to its GemSAFE family of smart card-based network security products. The new products, GemSAFE 2.0 and the GemSAFE Software Development Kit (SDK), are fully Windows and Netscape interoperable and provide an easy to use network security solution designed to meet the burgeoning needs for secure access and exchange of electronic information in the enterprise.

Designed for corporations seeking to secure Internet-based services, intranets, extranets, and companies looking to build on and deliver scaleable network security solutions, the new GemSAFE 2.0 version incorporates features such as external loading of keys and certificates, new tools for simplified installation, and an option for on-board key generation. GemSAFE has already gained significant marketplace momentum as reflected by the support and GemSAFE-based solutions offered by companies such as IBM, Hewlett-Packard, Baltimore and many others.

The GemSAFE SDK provides ease of integration and adaptability to organizations wanting to integrate a smart card solution into their network security platform. GemSAFE SDK can be used for creating access control, network authentication and data confidentiality — all applications which allow developers to implement the most secure framework for their organizations.

“With GemSAFE 2.0 and the GemSAFE SDK, Gemplus is continuing to drive the development of next-generation smart card-based applications,” said Donna Jeker, vice president of Gemplus Software, Information Technology Solutions. “These product releases reinforce our commitment to providing partners and customers with the best solutions for securing network platforms that integrate seamlessly with existing enterprise infrastructures. Because it is compatible with Microsoft and Netscape Internet suites, GemSAFE is the ideal complement to a company’s existing network security implementation.”

About GemSAFE

Because a user’s digital identity can be stored on the card and combined with password protection, GemSAFE smart card-based security solutions provide stronger security for access to corporate networks than traditional software-only solutions. GemSAFE is the first and only smart card solution available internationally that is compatible with both Microsoft and Netscape Internet suites, as well as Windows 2000 logon. GemSAFE is a computer security product that augments the software capabilities of these popular web and email products by securely storing private encryption keys with industry-standard digital certificates.

GemSAFE 2.0

To provide businesses with greater flexibility and management capabilities over security-sensitive applications such as network access, extranets, and e-commerce, GemSAFE 2.0 provides a broader range of digital key management options and improved Card Details Tools for simplified installation, easier diagnostics, and un-installs.

GemSAFE 2.0 comes in both a US-only and an international version and includes GemSAFE cards with an option for on-board key generation and with keys already on-board, GCR410 Serial Port and GPR400 PC Card smart card readers, and software — including the latest version of Microsoft Corporation (Nasdaq:MSFT) and Netscape Communications (Nasdaq:NSCP) browser software suites.

GemSAFE Software Development Kit (SDK)

The GemSAFE SDK delivers a software platform that enables developers to seamlessly integrate the latest standards for Web access and email and provides compatibility with future releases of the PKCS and CryptoAPI standards and future Gemplus smart card enhancements.

GemSAFE SDK integrates seamlessly with popular PKI. Gemplus has incorporated the PKSC No. 11 and CryptoAPI standards, and is offering three versions of the SDK, including a North American-only version and two international versions, to ensure compliance with international encryption regulations. The GemSAFE SDK will contain GemSAFE cards with the option of on-board key generation or with keys externally loaded, a serial port, and a PC Card smart card reader and software. Each SDK includes e-mail and web-based technical support. Additionally, Gemplus can provide the tools and services necessary to deploy the smart card application from card management and personalization tools to consulting, training, on-site technical support, and custom software development.

What Companies are Saying About GemSAFE 2.0


“Partnering with Gemplus is an excellent opportunity for us,” commented Matthew Bowcock, Executive Director of Marketing. “The future of smart cards and Public Key Infrastructures (PKI) are inextricably linked and we expect smart cards to be an integral enabler of e-commerce. We are delighted to be working closely with Gemplus to integrate our UniCERT Certificate Authority system with their smartcards, to deliver the best security solutions available today.”

France Telecom

“Authentication is a necessary component to hasten the adoption of Internet business opportunities. Based on Public Key Infrastructure and on smart card technology, Gemplus’ GemSAFE provides Internet and corporate network users with an easy-to-use, portable solution for secure access to online services and therefore provides the confidence to participate in secure online communications,” said David Arditti, Development Group of France Telecom.


“A powerful complement to GTE CyberTrust Certification Authority products and services for enterprises, GemSAFE supports rapid deployment of PKI for secure Internet-based communications and transactions,” said Ron Langill, vice president of global channels and strategic alliances at GTE. “GemSAFE offers a secure solution that is easy to implement and requires almost no network administration.”


“With GemSAFE, we are able to provide additional security to our existing Netscape and Microsoft programs by storing user keys and certificates on smart cards, rather than on the computer network which could be compromised,” said Sorin Bonde, Technical Manager for Smart Cards at Hewlett-Packard Denmark.


“We are preventing misuse and fraud by incorporating GemSAFE technology into our SmartCard Security Kit to store an employee’s confidential information and digital identity on a smart card. Employees can now simply insert their smart card into our PCs, type their personal identification number to ensure identification, and securely access confidential data,” said Joe Preisser, worldwide marketing manager, IBM SmartCard Security Kit.

Indigo Cards

“GemPlus and Indigo have read the market signals and acted on the rising demand for secure internet applications, including email. GemSafe is a good example of how security products can be easy to install and end-user friendly. Customers finally see their security concerns addressed in an elegant way, which is flexible because it can be seamlessly integrated with any web-application,” said Niek Hoogenhout, marketing director of Indigo Cards.


“We require complete security for all our online transactions. With the GemSAFE solution we are assured of the highest level of security because it offers stronger user authentication than traditional software-based solutions,” said Tibor Hajdu, technology consultant Information Security of Intesa.


“Security is still the number one concern for companies doing business over the Internet which is why every company should investigate implementing a smartcard strong authentication solution based on GemSafe to secure access to corporate Intranets, Web sites and popular e-mail systems,” said Fabrice Bourdeix, CEO of MATRAnet, a leading European security vendor that developed M-WallCard, a GemSafe-based smartcard authentication solution.

Security Dynamics

“By integrating Gemplus products into our network security infrastructure, we are guaranteed to satisfy our enterprise customers with their security requirements,” said Bill McQuaide, Director of Product Marketing. “The Gemplus GemSAFE solution is ideal for corporations seeking to secure their Internet-based applications or corporate Intranets/extranets.”


“We require complete security for all financial transactions and with GemSAFE, we are assured of the highest level of online transaction security because GemSAFE smart cards offer stronger user authentication than traditional pure software-based solutions,” said Rudolf Klos, senior consultant Internet at Telecash.


“Electronic Business using public and private networks is projected to grow exponentially, however ‘trust’ is a requirement for commercial growth. Security is the key ingredient for ‘trust’ using networks, especially public networks. By developing Unisys Single Point Security solutions in conjunction with Gemplus, based on GemSAFE, Unisys is confident that we are providing the best solution available for securing eBusiness,” said Barry Keyes, Unisys Marketing Director for the Single Point Security program.


“By combining fingerprint biometrics technology with smart cards, Gemplus and Veridicom provide OEM’s and end-users with the highest level of security in an easy and convenient way,” said Michael D’Amour, President and CEO of Veridicom, Inc. “Gemplus and Veridicom have the same goal: driving innovation in order to deliver the next generation of easy-to-use and secure smart card-based solutions required by today’s organizations.”

Pricing and Availability

On a price per unit basis, GemSAFE 2.0 is priced at US$99, with volume discounts available. For enterprise customers, deployment packages are available upon request.

GemSAFE 2.0 and the GemSAFE SDK will begin shipping in late April, and will be available through the Gemplus direct sales force, and from the Gemplus Web store at

About Gemplus

Gemplus ( is the world’s leading provider of plastic and smart card-based solutions. Gemplus sells magnetic stripe cards, memory and microprocessor-based smart cards, smart contactless cards, electronic tags, and smart objects. The company designs and markets software, development tools and readers. Gemplus also provides consulting, training, and personalization services to deliver the industry’s most comprehensive and flexible card-based solutions to its developers, distributors, partners, and customers.

With sales of over US$590 million in 1997, Gemplus employs more than 4,100 people in ten manufacturing facilities, five R&D centers and 41 sales and marketing offices located in 27 countries around the world. Founded in 1988, Gemplus has successfully implemented portable and secure smart card-based solutions to simplify applications such as public and wireless communications, financial transactions, loyalty, transportation, education, healthcare, identity, physical access control, pay TV, electronic commerce, Internet security, logical access control, and information technology.


Mobile Banking Pilots

De La Rue Card Systems has extended its lead in the delivery of solutions for mobile banking convergence with the announcement of new ground-breaking trials with two of Europe’s leading financial organisations and cellular phone networks.

Pilot schemes with Barclaycard and Cellnet in the UK, and France Telecom and Cartes Bancaires in France, have consolidated De La Rue’s position as the leading SIM card provider and driving force behind secure mobile banking.

One of the world’s leading suppliers of smart cards, De La Rue brings its heritage in banking and expertise in providing innovative solutions to offer a host of new value added services to banks, GSM operators and their customers.

In the United Kingdom, Barclaycard and Cellnet have introduced the first consumer trial of ‘mobile electronic cash machines’ using De La Rue’s SIMphonIC SIM Toolkit solution, a customised Motorola mobile phone and m- Commerce server software from Logica. The trial will enable 1,000 customers to download e-cash over Cellnet’s GSM network on to their Barclaycard by inserting it into a Motorola StarTAC mobile phone. Customers can also use the card as part of the on- going Visa Cash UK trial in Leeds.

To use the new mobile electronic cash machine, a Barclaycard with the added Visa Cash functionality is inserted into a Motorola StarTAC mobile phone. The phone then asks the user to enter the ‘withdrawal’ required, up to a limit of GBP 50, and a bank PIN for security, as with any normal cash dispenser. The e- cash is then deposited onto the Barclaycard via the Cellnet GSM network, and debited from the user’s account, in under a minute. Customers can also check their credit card details, and download e-cash at anytime and in any place where they can use their Cellnet GSM mobile phone. The trial will be rolled out from April 1999.

The whole Mobile Cash service trial has been certified by Visa to ensure the maximum security for customers’ financial and account information.

John Eaton, managing director at Barclaycard said: “This is the third innovative mobile telephony product that has emerged from our partnership with Cellnet. This new service builds on the success of the mobile phone launched in 1997 that allowed customers access to their Barclays Bank and Barclaycard accounts. We are pleased to be working with Cellnet and three of the UK’s leading technology companies to bring mobile cash machines to the marketplace.”

Cellnet’s managing director Peter Erskine commented: “Withdrawing e-cash over your mobile may seem a futuristic idea – but within five years it will be commonplace. We’re delighted that our relationship with Barclaycard has yielded yet another world first.”

Commenting on Visa’s role, Jon Prideaux, Visa’s executive vice president for new products said: “Visa is committed to fulfilling the promise of chip technology, providing real flexibility and convenience to consumers. A cash machine in your pocket really does represent the ultimate in convenience. Downloading Visa Cash via a mobile phone means that you will always be able to obtain the right change for the car park or a bus fare. Today Barclaycard and Cellnet have brought us a step closer to achieving this goal.”

In France, France Telecom Mobiles has developed the first mobile commerce service using De La Rue’s SIMphonIC SIM Toolkit card and Motorola’s StarTAC D mobile phone.

Following an initial trial during the second quarter of 1999, France Telecom Mobiles customers will be able to make secure transactions for goods and services such as gifts and travel scheme tickets ‘over the air’ to merchants. By conforming to Cartes Bancaires security specifications, De La Rue’s SIMphonIC card will provide users with enhanced functionality, convenience and peace of mind.

Didier Quillot, Sales Director of France Telecom

Mobiles explains, “Thanks to this new service, our customers will be able to use their mobile phone for access to day to day goods and services. This mobile commerce service reflects the future of convergence between mobile and banking services.”

Yves Randoux, Administrator of the Cartes Bancaires Group adds, “With this mobile commerce solution, we are offering a new method of payment to our 33 million CB credit card holders. The credit card proves its capacity to adapt to all methods of commerce, including the most modern distribution channels, and by integrating De La Rue’s SIMphonIC card and using PIN codes we are able to provide the highest levels of security and integrity of transactions.”

Christophe Dolique, Business Director GSM, De La Rue

Card Systems, concludes, “By establishing a leadership position in SIM Toolkit applications based on Java card technology, we are able to make mobile commerce a reality today. The card is seen as the essential link between operator, subscriber and bank, ensuring a secure dialog throughout.”

Joachim Hoffmann, Director – Mobile Commerce

Business, Motorola Cellular Subscriber Group, EMEA,

“Motorola is one of the worldwide leaders in telecommunications and has created StarTAC D to bring together the world of mobile phones and smart cards to offer new mobile services to smart card holders.”



De La Rue Card Systems, part of the De La Rue, the ‘cash to cards’ group whose 1998 revenues were GBP 790.2 million, is the number one supplier of VISA and MasterCard products worldwide. A leading provider of smart card solutions to customers in banking, telecoms, loyalty, transport and health, Pay TV and identification, De La Rue’s vision is “that by 2005, 10% of the world’s population will possess a De La Rue smart card.”

Coupling its heritage in banking and security with its expertise in technology innovation, De La Rue is delivering solutions today for electronic and mobile commerce applications. De La Rue is committed to open standards and supports Microsoft Windows card, Java card and MULTOS.


Today’s announcement heralds another world’s first for Motorola, a new mobile phone category – the smart card phone. The new StarTAC D is the first integrated dual card cellular phone. More than just a phone, it is a personal transaction terminal – the revolution the smart card industry has been waiting for, overcoming the hurdles of access, convenience and infrastructure.

Motorola is a global leader in advanced electronic systems and services. It liberates the power of technology by creating software-enhanced products that provide integrated customer solutions and Internet access via wireless and satellite communications, as well as computing, networking and automotive electronics. Motorola also provides essential digital building blocks in the form of embedded semiconductors, controls and systems. Sales in 1998 were $29.4 billion.


Logica is a key player in the development of the mobile commerce market. Together with Cellnet it founded the Global Mobile Commerce Forum (GMCF) in November 1997. By integrating enhanced messaging, customer relationship solutions, improved transaction processing and end-to-end security, Logica has created the market leading m-Commerce tm. v3.1 server. Based on Postillion from Mosaic the server supports a range of electronic functions. Logica has 8,000 staff in 23 countries worldwide. For the financial year ending 30 June 1998, Logica’s pre-tax profits were GBP 41.8 million on a turnover of GBP 473 million.


Cellnet and Barclaycard have worked together since 1995 to provide their customers with a unique range of mobile phone banking services and cheaper mobile calls.

At launch Barclaycard/Cellnet customers were able to get 24-hour access to statement enquiries, credit limit increases and payment of bills.

Since 1997, following major technological advances, customers have been able to view Barclaycard and Barclays Bank account details like mini- statements, credit card limits, balances and next payment dates on their mobile phone display. These services and benefits are available over customised handsets available from Barclaycard.


Over 1,400 outlets in Leeds currently accept Visa Cash including McDonalds, Kentucky Fried Chicken, Superdrug, WH Smith, and local NCP and Leeds City Council Car Parks. E-cash can be loaded at special loading machines situated in and around Leeds.

Visa Cash is a relatively new payment method that can either be added to re- issued credit and debit cards such as Barclaycard and Barclays Connect or can be issued as a separate card. It has been designed to pay for low value goods and services, typically those bought using loose change. This could be a newspaper, a chocolate bar or a car parking space.

Cardholders simply need to load the card before use by transferring money from either their current or credit card account via special load devices such as the new mobile telephone. They are then free to spend using their ‘cash’. There is no charge for using this facility, and for the first time Barclaycard is able to offer a Visa Certified secure transaction across a GSM network. The phone encrypts the information being sent across Cellnet’s network using a secret code (key) only Barclaycard will be able to decrypt the message.

The concept of stored value has been in existence for many years as a solution to the problems associated with cash handling. Even now, with automated payments, cheques, credit cards and debit cards being used in increasing numbers, the 1998 APACs Payments Market Report shows that cash still accounts for 46 per cent of transactions made in the UK. GBP 454 million of coin is used weekly in making low value purchases with retailers giving out over GBP 446 million of coin per week in change.


Dining Card Sold

Miami-based Transmedia Network Inc. and The Signature Group announced Thursday a definitive agreement whereby Transmedia will acquire the assets of ‘Dining a la Card’ from The Signature Group. The Transmedia purchase will create a dining savings program with more than 2.5 million cardmembers and 10,000 restaurant merchants across the USA. The combination of the two operations would more than double the revenue base of Transmedia Network. As part of yesterday’s transaction, The Signature Group, a major provider of fee-based membership services, would continue to acquire dining members from its airline frequent flyer partner programs as well as other client programs. Transmedia Network currently markets the ‘Transmedia Card’ and has 1.1 million members and more than 6,500 participating restaurants throughout the USA.


Sanwa Sale

Sanwa Bank California sold its card portfolio to MBNA and entered into an agent relationship this week. Terms of the sale agreement were not disclosed but it is estimated the $25 million portfolio sold for an 18% premium. Terms of the agent agreement call for MBNA to market ‘Preferred’ and ‘Platinum Plus’ VISA and MasterCard, personal/business card products under the Sanwa Bank California name. According to CardData ( Sanwa had $26,273,283 in outstandings at year-end 1998 and 34,198 gross accounts; 22,780 active accounts and 36,963 cards-in-force.


Diebold Cebit Demos

An innovative system that allows automated teller machine deployers to cross-sell services through personalized, on-screen marketing messages on an ATM is being demonstrated by Diebold, Incorporated at the CeBIT world business fair in Hannover, Germany this week.

Diebold’s one-to-one ATM marketing capability will be on display in the Diebold Stand No. A07 in Hall 18, March 18-24. Show attendees are encouraged to register at the Diebold stand as a user of the system and conduct a hands- on demonstration of Diebold’s one-to-one ATM marketing features.

“We believe this system can help our customers leverage valuable consumer contact time into potential business opportunities,” said Thomas W. Swidarski, senior director, Worldwide Marketing for Diebold. “Our one-to-one marketing concept allows ATM deployers to use their existing customer database for information that can help them target a specific message to the consumer at the ATM.”

Diebold’s one-to-one ATM marketing concept uses the waiting time of a standard ATM authorization period to display interactive messages to consumers about products and services. Because it works in conjunction with an ATM deployer’s customer information database, the system allows institutions to custom-design the advertising messages depending upon demographics, existing account relationships or retail buying habits.

For example, a bank customer using an ATM during the holiday season might be shown a promotion for debt consolidation loans on one transaction, while the frequent ATM user next in line, who is not a bank customer, might read about a new checking account that waives ATM transaction fees.

In each case, the customer may be prompted to respond to on-screen questions — which might even ask for their phone number — and the answers are forwarded to marketing departments for proper follow-up.

Because it runs during the waiting phase of the ATM transaction, one-to- one marketing does not delay transaction times or create long waiting lines. Customers who want to turn down the service that is offered can do so by answering “no” to the on-screen prompts.

For ATM deployers, the system provides a tracking capability that allows them to monitor the success of the ATM marketing program. It can also be configured to dispense a coupon from the ATM receipt printer as a way to reinforce a message.

“While Diebold’s one-to-one marketing concept offers a glimpse into the future, we wanted to demonstrate that the technology exists today,” Swidarski said. “It not only helps ATM deployers build customer loyalty, but it provides them with a revenue generating advertising medium that could also be sold to local retailers.”

Diebold Demos Iris Recognition ATM

An automated teller machine that recognizes a customer’s identity by the iris of their eye — without the need of a card or personal identification number (PIN) — is being demonstrated by Diebold, Incorporated at the CeBIT world business fair in Hannover, Germany this week.

Diebold is displaying a unique “iris recognition” biometric system that uses a camera to read specific features of a customer’s iris (colored part of the eye) and compares it to a previously recorded image stored in a database. A match between the user’s “live” iris and a biometric iris template contained within a database initiates the ATM transaction.

The biometrics application featured on Diebold’s 1064ix ATM can also accept conventional card-based transactions. CeBIT visitors can sample the technology by recording their iris image at Diebold’s enrollment station, and then use the iris recognition technology to initiate an ATM transaction. The biometric ATM will be on display in the Diebold Stand No. A07 in Hall 18, March 18-24 at CeBIT.

“This ATM exemplifies Diebold’s technical capabilities,” said Alben W. Warf, senior vice president, development and manufacturing at Diebold. “Our biometric ATM lets consumers choose how they want to access their accounts — with leading-edge biometric technology or through standard card and PIN-based transaction systems.”

Biometrics is the use of distinct human biological features — such as fingerprints, voice patterns and eye characteristics — as identification methods in security systems. This futuristic technology, once limited to certain high-level security systems, is making its way into consumer applications such as ATMs.

Diebold’s research and development efforts in the area of biometrics have been ongoing for more than a decade. The company has tested many different biometric technologies including fingerprint verification, voice verification, hand geometry, and facial recognition. In 1996, Diebold introduced the world’s first live installation of biometrics on an ATM in South Africa utilizing fingerprint verification. In 1997, Diebold displayed the world’s first ATM featuring facial and voice recognition to identify customers.

Iris recognition is a popular biometric application because the iris is one of the body’s most unique physical structures. It has 266 measurable characteristics that do not change with age and it cannot be copied or replicated.

The biometric ATM combines proprietary Diebold software with iris imaging equipment from Sensar, Inc. to record a customer’s iris image and compare it to existing images stored in a database. The Diebold application compares and recognizes the “live” iris image with images stored in a centralized database.

“As the financial world transitions toward the widespread use of biometric security systems, our software will make it easier for customers to adapt by providing them with standard alternatives,” added Warf.

Sensar, Inc. was founded as the first commercial spin-off of the Sarnoff Corporation in Princeton, N.J., USA — an internationally acclaimed research and development facility. IriScan of Marlton, N.J. holds the exclusive worldwide patents on the iris recognition concept originated by Drs. Leonard Flom and Aran Safir and the software and process technology invented by Dr. John Daugman, Cambridge University, England. Sensar uses, under license, the iris recognition process developed and owned exclusively by IriScan. IRISCAN is a trademark of IriScan, Inc., of Marlton, N.J., and is used by Sensar, Inc. under license from IriScan, Inc. For more information, please visit [][1].

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



Shift to E-Bill

High-volume billers could save $6 to $15 million annually by delivering bills to customers electronically. NFO’s PSI Global projects that by the year 2000, at least 36% of the nation’s highest volume billers will offer electronic bill presentment, up from six percent. The number of bills presented via the Internet are projected to double in the period. According to the PSI Global study, leading billers estimate that electronic bill presentment could yield savings of $.10 to $.40 per item over existing billing methods. Postage accounts for 56% of current costs, PSI Global determined. Still more savings will accrue to billers on the payment side. PSI says it found that billers would save an average of nearly $.094 cents per payment processed electronically.


Orga Net Card

CA-based NetPack, Inc. and Orga Card Systems International have signed a deal for Orga to produce and provide support for NetPack’s ‘First Internet Access Card’ and the NetPackage ‘Internet Retail System’.The Netpackage ‘Internet Retail System’ allows software producers to sell their software by using a NetPack card that can be as small as a credit card, and marketed through stores, even mini-markets or gasoline stations, as well as in mall kiosks or airport stores.



Novadigm, Inc.’s software that delivers advertising to the ATM is picking up speed. The company said Wednesday that Wells Fargo, which launched a variable advertisement program for ATMs earlier this month, will expand its program to 6,100 ATMs nationally. On March 1, Wells Fargo began ads on 340 San Francisco Bay Area ATMs that are part of the Wells Fargo Media Express ATM Network. Electronic Payment Services, Inc. is also using Novadigm products to automate the delivery and management of high-resolution advertising graphics and marketing messages to ATM screens.


ChequeMARK Goes TM

ChequeMARK Inc. announced Wednesday it has agreed to a test agreement to provide Electronic Checking services, including its Assured Payment service, to WorldWide Publishing Inc. of Los Angeles, California. This agreement marks the company’s product entry into the telemarketing industry, an industry traditionally thought to be too risky for traditional check authorization companies. WorldWide Publishing Inc. is a leader in marketing packages of monthly magazines to consumers on a national basis.


E-Bill Deal

CheckFree and Equifax E-Banking Solutions signed a three-year reseller agreement for electronic billing and payment Wednesday. Equifax E-Banking Solutions, formerly Goldleaf Technologies, is one of the largest providers of electronic banking software in the U.S., with approximately 7,000 licensed programs in more than 1,400 financial institutions worldwide. Under the terms of the agreement, Equifax E-Banking Solutions will resell CheckFree E-Bill services to their customers, which include banks, credit unions, and saving institutions worldwide. Equifax E-Banking Solutions has been selected by IBAA Bancard to provide internet banking to IBAA member-banks, thus allowing Equifax E-Banking Solutions to expand their outsourcing services to include EBP to more than 5,000 IBAA community banks in the United States.


FDMS Contract

First Data Merchant Services said Wednesday that Peoples Heritage Bank and M&T Bank have renewed their processing agreements with First Data. First Data says both institutions have made recent acquisitions that will generate incremental volume of one million transactions per year, representing $950 million in sales volume. Peoples recently acquired Glastonbury Bank and Trust Company and M&T recently acquired the merchant portfolio of OnBank and Trust Company.