Bull Pushes Into North America

Bull announced today at CardTech/SecurTech that it has established two new third-party programs in North America to accelerate end user and market demand for smart card-based solutions in the region, and to provide the strong business model and strategic direction that such initiatives require.

The two new programs are the Smart Card Authorized System Application Supplier (SAS) program and Cooperative Marketing program. Bull also announced that three companies have already joined the Cooperative Marketing program.

“The third-party programs are designed to meet the needs of end users by providing Bull’s superior technology in smart cards, readers and terminals together with application expertise provided by leading smart card system integrators,” said Jack MacKeen, vice president, Smart Cards & Terminals, Bull North/South America.

“The SAS program provides for a close working relationship with the premier smart card system integrators in selected application fields,” he said. “The program allows selected participants to partner with Bull and use the Bull logo in their marketing and sales activities. The Cooperative Marketing program provides a framework for Bull and selected third parties to work together and/or independently to deliver smart card solutions to end users.”

Bull also announced that three companies already have joined the Cooperative Marketing program: Computerized Security Systems, Keyware Technologies and Smart Card Solutions. Computerized Security Systems and Keyware Technologies are represented at Bull’s CardTech booth (#2415).

Under the Authorized System Application Supplier program, Bull provides products (e.g., smart cards, readers, printers and software) and training, plus smart card personalization and systems integration services. SAS partners provide the application(s) compatible with Bull’s products and technology, application expertise support (including customization) plus sales resources. In addition, the program provides for joint sales calls when appropriate as well as coordinated technical support.

Under the Cooperative Marketing program, Bull and third-parties share activities to generate demand through advertising, trade shows, direct mail, etc. Participants in the Cooperative Marketing program need not be SAS partners, but they can work with Bull to join that program if they meet the requirements.

Cooperative Marketing program members demonstrating their capabilities at Bull’s CardTech booth are Computerized Security Systems, showing its smart card-based Saflok physical access control system for the lodging industry; and Keyware Technologies, featuring smart card biometric verification using voice recognition technology.

About Bull Smart Cards and Terminals

Bull designs and markets a wide range of contact and contactless microprocessor smart cards, electronic payment terminals and automatic points of contact, including cash dispensers and multimedia kiosk POS terminals. In 1997, these activities generated revenue of $237 million, an increase of 32 percent over 1996.

The history of smart cards at Bull goes back to 1979 when Bull’s Michel Ugon, in collaboration with Motorola, invented the world’s first microprocessor card (CP8 technology). Today, all microprocessor cards worldwide still use Bull CP8 technology for the micro-electronic part (SPOM – Self-Programmable One chip Memory) patent. More than 420 million microprocessor cards use CP8 technology, either as patents, applications or operating systems.

Bull is the world leader in the electronic purse segment with more than 27 million cards in use in ten countries. Approximately 60 percent of the world’s smart cards used in banking today have been designed by Bull. Bull also is a leader in electronic payment terminals, with 650,000 machines installed worldwide. More information on Bull Smart Cards & Terminals can be found on the World Wide Web at: www.cp8.bull.net, on Groupe Bull Web site: [www.bull.com][1], and in the U.S. at [www.us.bull.com][2]. Those interested in the new third-party programs can call Bull Smart Cards & Terminals at 978/294-3670.

[1]: http://www.bull.com
[2]: http://www.us.bull.com

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IVI Markets Oasis

International Verifact Inc. (TSE: IVI; NASDAQ: IVIAF) announced today that its Latin American joint venture, IVI Ingenico Inc., has entered into a strategic alliance with Datagrams S.A. to market Datagrams products in Latin America through IVI Ingenico’s distribution network.

Under the terms of the agreement, IVI Ingenico will become Master Distributor of Datagrams products – Dataloyalty and Datacash – in Latin America, while providing marketing, support and maintenance services on a local basis.

Dataloyalty is a smart card based turnkey system that allows a retailer or financial institution to implement a loyalty program. The Dataloyalty system includes all the logical components of a system, including host software, terminals, communications and cards.

Similarly, the Datacash system was designed to be a closed electronic purse scheme with targeted markets such as stadiums, parking garages, home delivery and tourist resorts. Like Dataloyalty, the Datacash system includes all the necessary components for operation. Both products run on Microsoft Windows 95/NT platforms.

Jorge Fernandez, Executive Vice President and General Manager, IVI Ingenico commented that the agreement with Datagrams is consistent with the company’s vision of providing turnkey systems and solutions, rather than just being a terminal vendor to its customers. “Our company is a world leader in providing smart card based systems, and we believe that this alliance establishes further our leadership in the fast growing market of smart card based applications,” added Mr. Fernandez. “We already have a very successful working relationship with Datagrams in Europe. We know their products well and believe this partnership to be a great opportunity for IVI Ingenico to penetrate new markets and expand our growth in the region, while providing loyalty solutions that are not available from any other vendor.”

Bruno Zysman, President of Datagrams, commented that his alliance with Groupe Ingenico has been very successful in Europe, and that he looks forward to extending this relationship to IVI Ingenico in Latin America. “IVI Ingenico brings to us a great deal of value, including their extensive network of distributors and their years of experience in the Latin America marketplace,” added Mr. Zysman.

Datagrams S.A., based in France, is an integrator and designer of software for smart card solutions. Setting standards for the electronic purse and loyalty field, Datagrams’ expertise also includes the design of database systems, communications protocol transferring data on products and developing interactive touch screen kiosks using smart card readers. Additional information can be found at .

IVI Ingenico Inc., based in Miami, Florida, is a joint venture between IVI and its strategic alliance partner, Groupe Ingenico, of Paris, France.

Groupe Ingenico is engaged in the design, development and sales of secured terminals and complete systems dedicated to electronic payments, loyalty and electronic benefits transfer and is the recognized leader in smart card technology in Europe, Africa and the Asia-Pacific areas. Further information is available at .

IVI is engaged in the design, development and sale of electronic payment solutions for retailers, financial institutions, governments and other businesses. The company’s hardware and software products include solutions for point-of-sale debit/credit/EFT/EBT terminals, check readers, smart card readers, POS printers and secure PIN entry devices. Additional company information is available on IVI’s website at .

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Omnius CardPress

Indigo N.V. said Tuesday it is shipping its new digital solution for color printing on plastic cards, the Omnius CardPress. The Omnius CardPress made its first commercial appearance this week following successful testing and purchase by two industry leaders, Gemplus Ltd. and Novo. The Omnius CardPress creates the highest quality, vibrant color cards in small quantities for proofing, or production quantities of tens of thousands of plastic cards on demand.  It is the only digital press in the plastic card industry.  It can produce individually personalized cards from electronic databases, all in real time, at full production speeds of up to 21,000 card faces an hour.

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Da La Rue Joins VISA Smart

De La Rue Card Systems, one of the world’s leading suppliers of smart cards, electronic transaction solutions and identity systems, has today announced that it has signed a letter of intent with Visa International to join the Visa Smart program.

The program is designed to transform the way people pay worldwide by introducing a range of products and services to help financial institutions evolve to smarter, safer chip-based bank cards.

As part of the program De La Rue will provide cards, application development and support enabling Visa members to access De La Rue’s full range of smartcard products, technologies and services. This will include GalactIC, De La Rue’s new range of smart card products based on Java(TM) technology that have been optimized to support applications such as debit, credit, electronic purse, loyalty and electronic commerce.

Kevin Loosemore, managing director of De La Rue Card Systems comments: “As the uptake of smartcard solutions as a global payment method increases pace, the need for a framework that will enable Visa members to migrate their bank cards to chip is essential. With the Visa Smart Program, Visa is delivering a more secure and cost-effective means of processing chip-based payment products.

De La Rue is currently the number one supplier of Visa cards worldwide and we believe that the Visa Smart program will help us achieve our vision that by 2005 10% of the world’s population will possess a De La Rue smart card.”

Patrice Peyret, director of consumer transactions at Sun Microsystems, Inc., comments: “De La Rue is among the world’s leading players in the smart card market and their membership of the Visa Smart program reinforces the role they are playing, along with Visa, to promote the Java Card platform as the standard for smart card development.”

The De La Rue card solution, to be offered in the Visa Smart program, utilizes open platform technologies compliant with Java standards and meets security and application loading requirements defined by Visa for the banking community.

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B of A Smart Cards

Bank of America launched Tuesday a new security and encryption process for corporate clients who use ‘WANDA’ electronic services to transfer funds, initiate payments and manage their global accounts. WANDA is Bank of America’s integrated cash management services platform, currently used by more than 600 large BofA corporate clients, in 1,000 sites worldwide, to access their cash management accounts. The new smart cards offer encryption and authentication capabilities, while also providing BofA corporate clients with customization options and security monitoring to track user access to the system.

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UbiQlink in FARGO

UbiQ Inc. () announced today that its UbiQlink smart card personalization software is being integrated with FARGO Electronics’ new Professional Series ID card printers, including the Pro and Pro-L models. This new compatibility allows card issuers to easily personalize and print smart cards with one system. FARGO is demonstrating the new printers at the CardTech/SecurTech trade show beginning today in Washington DC.

“This is an enhancement of our year-long relationship with FARGO, a recognized leader in the printer business,” said David Tushie, president and co-founder of UbiQ. “It’s a further indication that our software is a key component in helping their customers meet needs for smart card issuance around the world.”

“We are extremely pleased to provide our customers with the flexibility to print and personalize their smart cards with the FARGO Professional Series ID card printers,” said FARGO’s general manager, Gary Holland. “The Professional Series’ unparalleled reliability and performance, combined with UbiQ’s easy and feature-rich personalization software, creates an efficient and effective system for high-volume smart card issuance,” said Holland.

Available in different configurations to meet individual customer needs, UbiQ’s software simplifies the process of personalizing smart cards. The software integrates what until now has been a complex, time-intensive process for card issuers. It allows card issuers to personalize large quantities of smart cards at significantly higher through-puts and with even greater security using the FARGO Pro and Pro-L ID card printers.

Developed to support all smart card operating and application systems, UbiQ software provides a universal front-end to the Direct Smart Card Interface, which performs the smart card initialization and personalization process in the FARGO printers. The software is compatible with all types and models of smart cards, from manufacturers worldwide.

Designed for users who require heightened reliability and durability, the FARGO Pro and Pro-L ID card printers produce professional-quality, dual-sided ID cards with any combination of full-color photos, text, graphics, and bar codes. In addition, the Pro-L features a built-in lamination station capable of printing highly secure, tamper-resistant overlaminates. The Pro is available for $5,495 (MSRP), the Pro-L for $7,495 (MSRP).

The FARGO Pro and Pro-L ID card printers are available through FARGO’s worldwide dealer network. For more information on FARGO’s Professional Series ID card printers and the UbiQ software solution, customers may call FARGO at 800-459-5636, or UbiQ Inc. at 612-912-9400. Outside the USA and Canada, call FARGO at 612-941-9470 or fax 612-941-7836.

CardTech/SecurTech () is the world’s leading card and security technology conference and exposition, with more than 8500 professionals from 70 nations attending. It is being held at the Washington DC Convention Center, April 27-30, 1998.

About FARGO:

Headquartered in Eden Prairie, Minn., FARGO Electronics () is the leading developer and manufacturer of ID card printers. Its popular ID card printers are the best-selling card printers in the world today. FARGO does business in more than 90 countries worldwide and maintains the largest sales and service network in the color printer business today. For further information, call FARGO at 612-941-9470.

About UbiQ:

UbiQ Inc. () is a privately held software firm that has developed proprietary, patent-pending technology for high-volume smart card personalization. It was founded in 1994 and is based in suburban Minneapolis, Minnesota. (The company’s name is short for “ubiquitous,” a reference to the rapid proliferation of smart cards worldwide.) 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’s worldwide customers include smart card issuers such as American Express and member institutions of the Visa, Mastercard, and Mondex networks. It has relationships with card service bureaus, smart card manufacturers, and card personalization & printing equipment manufacturers. Markets or applications targeted by UbiQ include electronic commerce, Internet, travel and entertainment, stored-value cards, pay phone, digital wireless and GSM, national ID cards, and healthcare.

A U.S. Patent is pending for the UbiQlink software solution. UbiQ is a registered trademark of UbiQ Incorporated and UbiQlink, UbiQware, UbiQard, UbiQlite, UbIQuickStart, and UbiQsuite are trademarks.

FARGO is a registered trademark of FARGO Electronics, Incorporated. Prices quoted in this news release are Manufacturer’s Suggested Retail Prices in the USA. Actual dealer price may vary.

All other trademarks and registered trademarks are the property of their respective owners.

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Galactic Card

De La Rue Card Systems announced the ‘GalactIC Card’ yesterday — a new range of multi-purpose smart cards based on the Java card platform. The GalactIC range is optimized to allow multiple applications to be loaded onto one card – including debit, credit, loyalty, pay TV, electronic commerce, identification and healthcare — even after the card has been issued.  GalactIC is based on the Java Card API. The company has already delivered GalactIC cards to Visa International for testing as part of the Visa International Partner Program and will formally release the product in July.

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MCPA – Multos

MasterCard announced Monday the successful testing of the ‘MasterCard Chip Payment Application’  on the MULTOS operating system.  MCPA is a chip-based application that enables an issuer to support MasterCard-branded credit and debit transactions as well as Maestro and Cirrus-branded debit transactions on a chip card.   This first ever test of a debit/credit application on a truly global platform is an important milestone in the evolution of a smart card industry looking to embrace open industry standards. The MasterCard Chip Payment Application or MCPA was tested on the MULTOS platform in order to demonstrate the global interoperability of both the payment application and the operating system itself. U.K.-based Midland Bank announced yesterday it will be the first bank to commence a live trial of MCPA, planned for late summer 1998, in over 400 retail outlets in that country.  Meanwhile, MasterCard recently completed an upgrade of the BankNet authorization and clearing network to support chip-based debit and credit transactions.

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ICVERIFY For Windows

ICVERIFY and First Data Merchant Services Corporation announced yesterday their joint release of ICVERIFY for Windows, merchant software enabling acceptance of business-to-business purchasing cards. FDMS will make ICVERIFY Purchasing Card capable software immediately available through their alliance bank partners and other merchant processing clients. The ICVERIFY for Windows Purchasing Card Capable software, which runs on Windows 95 and Windows NT, enables merchants to accept Visa and MasterCard purchasing cards, as well as other credit cards, ATM/debit cards and check transactions. ICVERIFY for Windows Purchasing Card Capable is the only purchasing card product sold by FDMS, which will provide 24-hour help-desk support for merchants using the product.

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Padres Smart Cards

Fans at San Diego’s Qualcomm Stadium will spend less time waiting in concession lines and more time enjoying Padres games thanks to a new smart card system installed by Diebold and Glendale Federal Bank.  At the April 7 home opener, fans were able to purchase disposable, stored-value cards and use them instead of cash when making purchases, greatly reducing the time spent waiting in line.

“No one likes to stand in line, especially when they know they might miss a big play,” said David Bucci, group vice president, North American Sales and Service, Diebold, Incorporated.  “This card system gets fans back to the action more quickly since stored value cards can shorten transaction time to less than 5 seconds.  When you add that up for every person in line, that is a tremendous time savings.”

The decreased service time also increases concession sales since more people can be served in less time.

When making a purchase, the customer places the card in a reader at the concession stand.  Food service personnel ring up the purchase and the sale amount is displayed on a reader facing the customer.  The customer presses a button to indicate that the amount is correct, completing the sale and deducting the amount from the card.  Diebold’s iqStored Value Software drives the transaction processing network and collects the data on each purchase for settlement purposes.

For the initial installation, 20,000 smart cards were ordered and all concession areas on the field level were equipped to accept them.  The team store in the stadium and a second store in Encinitas, approximately 20 miles away, also accept the cards.  There are several terminals located throughout the stadium where patrons can check the value remaining on their card.  The Diebold installation was part of a complete renovation of the field level area which was made to enhance the fan experience.

The disposable cards can be purchased at locations on the field level in denominations of $25 and $50.  There are four different cards, three with individual photos of Padres team members and one with a team photo, making them collectors items.  All season ticket holders were issued a $5 team photo card to encourage them to try the new system.  To promote the system and their banking services, Glendale Federal offered a $25 card to bank patrons opening a new checking account.

In addition to sports stadiums, Diebold smart card technology and system integration expertise is also used in a variety of other settings including the 1996 Olympics, college and corporate campuses, community libraries and financial institutions to automate transactions and reduce cash handling.

Glendale Federal Bank is California’s leading community bank, serving the business and consumer banking needs of Californians through 191 banking offices and 26 loan offices.  Customers can reach the bank by calling 1-800-41FEDUP, or get information through its Internet site at .

Diebold, Incorporated, headquartered in Canton, Ohio, is a global leader in providing card-based transaction systems, security and service solutions to the financial, education and healthcare industries. Founded in 1859, the company develops, manufactures, sells and services automated teller machines, electronic and physical security equipment, automated medication dispensing systems, software, supplies and integrated systems solutions.

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