THE INTERNATIONAL SMART CARD INDUSTRY GUIDE

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1 SMART CARD NEWS THE INTERNATIONAL SMART CARD INDUSTRY GUIDE 1997 / 98 A PUBLICATION

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3 Cotets 3 THE INTERNATIONAL SMART CARD INDUSTRY GUIDE 1997 / 98 Electroic Moey ad the Law - The Implicatios Trevor Crotch-Harvey Multos or Java Card... That is the Questio? Robi Towed The Java Electroic Commerce Framework (JECF) ad Moder Protocol Desigs Rialdo Di Giorgio ad Efrem Lipki Smart Card Applicatios Aroud the World Access Cotrol/Security Educatio Etertaimet ad Leisure Fiace Electroic Purse Govermet Healthcare Retail Telecommuicatios Trasport Automatic Fare Collectio Electric Cars Ticketless Air Travel Parkig Road Tollig A-Z Directory of Maufacturers, Suppliers ad Service Providers Classified Directory of Products ad Services Glossary Idex Published by Smart Card News Ltd PO BOX 1383 Rottigdea Brighto East Sussex BN2 8WX Eglad ISBN: Telephoe: + 44 (0) / Facsimile: + 44 (0) / Maagig Director Patsy Everett Editor Jack Smith Techical Advisor Dr David B Everett Jouralist Aa Roay BA (Hos) Graphic Desiger David Lavelle BA (Hos) Prited by Desig ad Prit (Sussex) Ltd. Telephoe: +44 (0) No part of this publicatio may be reproduced, stored i a retrieval system, or trasmitted i ay form or by ay meas - electroic, mechaical, optical, recordig or otherwise, without the prior permissio of the Publishers. The iformatio give i the Products ad Services Sectio is provided by the maufacturers ad suppliers ad does ot, therefore costitute a edorsemet by the Publisher. Whilst every care has bee take to esure that the data i this Guide is accurate, the Publisher caot accept, ad hereby disclaims, ay liability to ay party for loss or damage caused by errors or omissios resultig from egligece, accidet or ay other cause / 98 The Iteratioal Smart Card Idustry Guide

4 4 Idex of Advertisers Amazig Cotrols! Ic. IBC Ampheol-Tuchel Electroics GmbH 23 AMTEC Cosultig Ltd. 9 Baksys SA/NV 2 Bowe Systec AG 53 Card World 19 CCTA (Cetral Computer & Telecommuicatios Agecy) 13 CSI (Card Services Iteratioal) 61 Gemplus 27 GPT Card Techology 33 Hitachi 41 Itellect 11 Iterlik Fuds Switchig Techologies Ltd 17 Japa Aviatio Electroics Idustry Ltd (JAE) 42 Joh Wiley & Sos Ltd 28 Meie Ziegel & Co GmbH 49 Microexpert Ltd 278 Motorola Smart Card Systems 35 Mühlbauer GmbH 20 Nagase & Co Ltd 44 Oki Advaced Products (USA) 57 Ordacard Hi Tec Idustries Ltd 15 ORGA Kartesysteme GmbH 37 Philips Semicoductors 25 SCR Techology Ic. 39 SGS-Thomso Microelectroics 31 Siemes Semicoductors 47 Smart Card News Ltd BC, 53, 64 Smartex 6 Thyro Ltd IFC The Iteratioal Smart Card Idustry Guide 1997 / 98

5 Articles 5 Articles The opiios reported i the followig articles are purely the authors ad do ot i ay sese represet the views of Smart Card News Ltd. Metio of ay particular ivetio or iovatio should ot be take as idicatig a legally supportable priority date. That is for the experts i such matters / 98 The Iteratioal Smart Card Idustry Guide

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7 Articles Electroic Moey ad the Law - The Implicatios 7 by Trevor Crotch-Harvey Cosultat Sema Group - Tel: +44 (0) Itroductio This paper summarises some of the latest thikig from legal experts o the evolutio of electroic moey. It is primarily writte from the poit of view of those whose resposibility it will be to desig systems which coform to the emergig requiremets. What is moey ad why does it eed to be regulated? What do we mea whe we use the word moey? Moey is somethig people accept i paymet for goods or services. I older societies this would have cosisted of stoes or beads, or perhaps tobacco or camels. The some four thousad years ago we moved o to precious metals - silver, copper ad gold. Now we use pieces of metal or paper - legal teder issued by a Govermet or Cetral Bak: dollars backed by the Federal Reserve Bak, or pouds by the Bak of Eglad. These otes ad cois are more or less worthless i themselves, except that they cotai words which lead us to believe we will be able to redeem them for somethig we wat. The key thig is that we trust the perso who prited the words o the paper or stamped them i the metal. This trust has bee hard wo over the years. As Professor J K Galbraith put it i his book Moey - Whece it Came, Where it Wet, It is ot i doubt that the pursuit of moey is capable of iducig ot oly bizarre but ripely perverse behaviour. It is agaist this backgroud that it falls to Cetral Baks to safeguard the perceived value we attribute to moey. This is far from beig a academic exercise. History is littered with examples of moey, previously cosidered soud, becomig worthless: I the US i the 19th cetury, may small rural baks were remarkably free to issue otes, or greebacks, usupported by what we would cosider to be hard reserves. I a coutry where free availability of loas to stimulate expasio was importat, this was perhaps appropriate to some extet. The issuig of paper currecy was accelerated dramatically by both sides to pay for the America Civil War. But holders of these greebacks could, ad ofte did, lose all their moey whe the baks they had selected wet uder, or worse whe the wrog side wo the war / 98 The Iteratioal Smart Card Idustry Guide

8 8 Articles The great iflatio of 1923 i Germay has clearly left a collective scar i the memory of the coutry, resultig i the striget but uquestioably successful fiscal stace of the Deutsche Budesbak. Cetral Baks everywhere have take these lessos to heart ad ow carefully moitor the supply of moey i their coutries. I the UK, the heated argumets i the first 30 years of this cetury were about whether Sterlig should be tied to the gold stadard. Wisto Churchill, the Chacellor of the Exchequer, aouced a retur to the gold stadard i After this was suspeded i 1931, it fell to the Bak of Eglad to esure the soudess of the currecy. Experiece shows cosumers take readily to the coveiece of ot havig to carry ad fid chage; they feel SVCs are more secure ad hygieic tha carryig cash, ad iteratioal travellers like the idea of beig able to chage currecies easily. Baks like it because it usually gives them a float value relatig to the uused balace o the card, o which they ca ear iterest. For retailers, there is evidece people sped 15/20% more with SVCs because of the higher propesity to make impulse purchases ad ever ruig out of chage. Because electroic cash does ot have to be maufactured, trasported aroud or couted, it is cheaper for baks ad retailers to admiister. It was evets like these which led to the establishmet of the bakig regulators we ow take for grated i most idustrialised coutries. Their actios determie whether, ad to what degree, the currecies they protect are regarded as hard or soft. They esure the soudess of the moey i circulatio i their coutries, regulate istitutios which issue moey, fight fraud, ad moitor moey supply. Ad it is these istitutios which ow fid themselves cofroted with ew challeges as they wrestle with the trasformatios brought about by rapid techological chage. Electroic moey Techology is o loger a back office operatio for baks; it is ow a itegral part of most bakig products. How will electroic moey be hadled by the regulators, to esure the soudess of moey we ow ejoy wo t be compromised? What makes electroic moey special? Let s examie the areas where it is emergig. Stored Value Cards (SVCs) Firstly, there is cash o a Smart Card. This is iteded by the issuers to be primarily a replacemet for otes ad cois. Cards ca be bought with a preloaded value, or they ca be loaded from a bak accout, the used at retail outlets with suitable termial equipmet, or at vedig machies, payphoes ad car parks. Electroic Commerce The secod flavour of electroic moey ivolves the Iteret. Forecasts of the size of the Electroic Commerce (as it is kow) market vary, but they are all eormous. The Iteret opes up a global market to retailers because of the low cost of marketig products by this method. Iteret search egies ca fid specialist retailers wherever i the world they are. For istace oe eterprisig small furiture retailer i the remote orth of Eglad has a attractive web site; his reward is sellig to customers who would ever have previously heard of him. So he is ow sellig shelvig to customers i Hoolulu for their beach codos. Of course the problem is paymet. How does the customer pay his supplier o the other side of the world whe either has previously heard of each other. The aswer is to use the electroic authorisatio methods beig developed by the Paymet Schemes. Europay, MasterCard ad Visa have collaborated to develop the SET (Secure Electroic Trasactios) protocol. The iitial implemetatios of this use software istalled o specific PCs, but this will ot be adequate log term because customers do ot wat to be tied to the physical locatio of a PC. They will wat to coduct Electroic Commerce at home, at work, while travellig, wherever they happe to be. The Iteratioal Smart Card Idustry Guide 1997 / 98

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10 10 Articles As PCs are otoriously isecure devices to the determied resourceful attacker, the clear pla of the Paymet Schemes is that the security should be accomplished by Smart Cards. It is otable that at all recet Smart Card shows, several maufacturers demostrated devices which embed Smart Card readers i PCs, whether i floppy disk drives, keyboards, or mice. Iteret Micropaymets Ad here is the third flavour of electroic moey, because these could be the same Smart Cards which also cotai a electroic purse. This is ecessary because ot all trasactios over the Iteret will be for the value of a item of furiture. Ofte it will be the price of a photograph, or a item of ews - let us say 50. It would be far too expesive to use the SET methodology for such small amouts - SET is desiged for credit ad debit paymets. So some way of makig micropaymets across the et must be devised - ad SVCs are the obvious solutio. As we see, most electroic moey systems make use of a Smart Card; but oe of the major worries for regulators will be the tamper proof ature of these cards. There have bee a couple of well publicised claims that Smart Cards have bee cracked - but couter claims suggest these successes are oly possible uder exceptioal circumstaces, ad with oly limited beefit to the perpetrator. Security experts talk about systems which ca be cracked at a variety of levels - the garage, the skilled techicia, ad the research lab. Arguably, existig magetic stripe cards ca be defrauded i the garage; the goal of Smart Card issuers is to put the effort required firmly i the research lab category. Govermet Cocers for Electroic Commerce The atioal ad iteratioal fiacial regulatory bodies have ot bee idle as electroic moey emerges. Who are the mai players? As we have already see, the Cetral Baks of the leadig coutries have all doe cosiderable work o the subject. I Europe, the Europea Moetary Istitute (EMI), the foreruer of the Europea Cetral Bak, has bee very active, i coordiatio with DG XV of the Europea Commissio (which has the added complicatio of maagig the trasitio to a sigle currecy). I the US, the relevat body is the Office of the Comptroller of the Currecy (OCC), although there are may others with figers i the pie, such as the Fed, the FBI, FINCEN (Fiacial Crimes Eforcemet Network), Office of Maagemet ad Budget, Natioal Security Agecy, US Mit, ad the Secret Service. Groups of Cetral Baks also work closely together, otably G-7 ad G-10. Developmet of supervisory policy has to be faster tha it has bee i the past, because the market is chagig so rapidly. As James Kamihachi, US Seior Deputy Comptroller for Ecoomics ad Policy Aalysis put it i Jue 1997: The bakig agecies are acutely aware of the effects our supervisory actios - ad our iactio - ca have o market developmets. Rigid, prescriptive supervisory guidace or regulatio ca choke off iovatio. Poorly timed supervisory actios ca also slow iovatio, just as ucertaity over govermet actios ca ihibit markets. Let us look at the specific issues ad questios these bodies have collectively idetified, bearig i mid the ovelty, fragility ad rapidly chagig ature of the subject. (We are some way from havig all the aswers yet.) Fraud Credit card etworks have bee the subject of substatial fraud attacks over the years, ragig from iterceptig delivery to stealig or couterfeitig cards. Electroic moey systems must be desiged i such a way as to miimise similar opportuities for the crimial fraterity. Techical security measures should be assessed comprehesively with the aim of protectig agaist fraud or couterfeitig attacks that could threate the overall itegrity of the scheme. Moey lauderig SVC systems potetially offer a useful coduit for crimials to chael moey eared by dubious meas, such that it the appears idetical to legitimate moey. The Iteratioal Smart Card Idustry Guide 1997 / 98

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12 12 Articles This dager is particularly apparet for oaccouted SVC schemes where o cetral record is kept of a trasactio ad the parties to the trasactio are aoymous (Modex beig the prime example). Regulators are examiig these issues carefully ad i some cases have imposed limits o the amout of moey allowed to be stored o a card, or a maximum trasactio value. Stability of issuig istitutios Key questio: should the bakig system have sole competece for offerig paymet services? Should a bakig licece be required from compaies offerig such services? There are massive vested iterests at stake here, as the spectre of Bill Gates ad others hags over the bakig idustry. This is a political questio of course, o which the EMI at least has take a clear positio. The argumet goes that credit istitutios are required to be regulated by their Cetral Baks ad to satisfy these regulators o the capital stability of the istitutio. Thus, a cosumer depositig moey with such a istitutio ca have a degree of cofidece his moey is safe ad there is a leder of last resort if the bak should fail. If uregulated istitutios are allowed to issue electroic moey, it might be like turig the clock back to mid-19th cetury America, ad the issuig of usupported greebacks. The vast majority of Cetral Baks take the view that electroic purses should be issued by licesed credit istitutios oly, but ot, sigificatly, the Fed i the US. Eve so, there are uaswered questios, such as: What is the ature of baks liabilities arisig out of the issuig of electroic purses? Shall bakig ratios (solvecy, liquidity) apply to this activity, ad how? Should the clearig of electroic cash (the settig up ad operatio of virtual baks ad currecy servers or Iteret clearig bodies) also be brought uder bakig supervisio, ad i what way? - Are there other supervisory tools for electroic purses ad cash schemes which should be prepared for the case i which a issuer of electroic purses or a orgaiser of a electroic cash scheme becomes isolvet (e.g. loss sharig agreemets - survivors pay ; guaratee schemes for electroic cash - defaulter pays.) Cotrol of Moey Supply Cosider the probable situatio where multiple electroic purse schemes operate i a coutry: what, if aythig, will the Cetral Bak wat to do to supervise flows withi/betwee these schemes? Jurisdictio Is it possible to locate electroic paymet systems geographically? How shall applicable legislatios ad territorial competeces of the relevat authorities be determied? (I particular, how will this questio be hadled uder EMU?) Practical Matters How ad whe are debts extiguished whe paymets are made by electroic purse or over the Iteret? This is ot a questio of these devices beig legal teder ; geerally this oly applies to otes ad cois. This questio eeds to be cosidered iteratioally. The amout of value recorded o a SVC is a measure of the obligatio (or debt) owed by the issuer of that value to the ower of that value to redeem the electroic value for the equivalet amout i real value, e.g. otes ad cois or a credit to a fiacial istitutio accout. The value is trasferable so the obligatio of the issuer is trasferable. The precise legal characterisatio of this obligatio is debatable ad may deped o the terms of the cotracts supportig the SVC. Although promoters of SVCs describe them as electroic cash, it is clear SVCs ad SVC value are legally differet from physical cash i that: they carry the credit risk of the private issuer (like a privately issued bak ote); The Iteratioal Smart Card Idustry Guide 1997 / 98

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14 14 Articles they are ot uiversal meas of exchage - their trasferability ad acceptability deped o a web of cotracts betwee issuers, distributors, cardholders ad merchats whereas the trasferability of otes ad coi is commaded by law. Iter-govermetal agecies are cosiderig these prickly questios. Oe issue they all have is that the legal framework is owhere ear as developed as that for physical cash. I particular, the US OCC regards it as very importat that seior bak maagemet be fully ivolved i decisios regardig ew products ad services. There eeds to be cotrol systems to measure ad moitor risk, ad idepedet risk maagemet withi the baks to limit risk takig. Baks eed to thik about ed to ed security. Cocers of the idividual As well as govermet ad issuig istitutios havig cocers about electroic moey, idividual cosumers do too. Iteroperability Clearly, electroic purse schemes will be more popular, the more ubiquitous they are. If several versios of electroic moey are circulatig i a coutry, users face the prospect of carryig several cards ad retailers of caterig for several schemes at the poit of sale. Trasactio reportig: Big Brother A major cocer for idividuals is the idea that all their trasactios, large ad small, are beig recorded somewhere ad a profile beig built up of their activities. Uder most schemes, the issuer ca kow who has how much electroic moey, ad ca eve track trasactios. But this is ot usually the objective: it ca ru up agaist limitatios of Data Protectio or idividual privacy, ad i ay case trackig ad recordig trasactios makes the system more expesive to ru, which defeats oe of its mai purposes. But the other dilemma is that this cocer eeds to be balaced agaist the protectio from fraud ad moey lauderig which a fully audited system offers. Visa Cash, havig DANMØNT techology as oe of its igrediets, allows both disposable ad reloadable cards. Trasactios made from disposable cards caot be tracked back to the cardholder; but or ca the value be recostituted if the card is lost or damaged. Security A advatage of electroic moey should be that it ca be made very secure. With today s techology it is possible to make a system as secure as required, withi ecoomic limits. The largest example of security clearly beig a paramout cosideratio is the Germa GeldKarte scheme. Withi this, all trasactios are recorded. Evidece Cetres which process the trasactios maitai shadow accouts of cardholder balaces ad issuer float levels. Obviously, there is a cost associated with this. The ideal system is completely secure for both the cardholder ad the merchat: both parties kow the trasactio has bee carried out exactly as specified, ad the amouts caot be altered. Lost Cards If a card is lost, most cosumers would prefer the balace ot to be available to ayoe else, but would like to be able to recover the balace themselves. The baks also wat to be able to audit the system ad prove trasactios are valid whe the cardholder queries them. These requiremets are all to some extet icompatible: it is ot possible to have perfect secrecy ad the ability to recostitute a balace or a trasactio. So some compromises have to be made i this area. Trasparecy Potetial users ca best make iformed choices about the relative merits of electroic moey products if their features, costs, ad risks are sufficietly trasparet. Useful disclosures for cosumers could iclude iformatio about sigificat user rights, relevat iformatio o the issuer ad its obligatios towards cosumers, ad itetios regardig ay use of persoal data. The Iteratioal Smart Card Idustry Guide 1997 / 98

15 Smart Card News Market Itelligece Kowledge is Power With over 20 years techical Smart Card experiece ad six years i publishig iformatio o the idustry, Smart Card News is the orgaisatio to talk to about commissioig your ow Market Itelligece. Smart Card News has a reputatio for reportig the facts, i a ubiased ad iformative maer. I usig our services you ca be assured of a cofidetial, tailormade report o time. For further iformatio please cotact Albert Adoh at Smart Card News Ltd: Tel: +44 (0) Fax: +44 (0) For more iformatio about Smart Card News please see our profile o page 261, or see our subscriptio form o page 298.

16 16 Articles Legal Teder? Oly otes ad coi curretly have the status of legal teder - SVC value does ot. That meas a debtor caot isist a creditor accept SVC value i paymet ad a creditor who is owed moey by a debtor caot compel the debtor to pay by SVC value istead of otes ad coi. Cosumer Protectio May cosumer protectio features will be drive by the eed to esure customer acceptace of the product. Issuers will eed to cosider their commercial policies ad legal requiremets cocerig: the provisio of trasactio receipts; - allocatio of loss i the evet of: - uauthorised use of the card followig loss or theft; - card or system malfuctio; the receiver ca be sure it came from the seder (autheticity) - the seder ca be sure the receiver is geuie (o-fabricatio) the seder caot dey he set it (orepudiatio) He calls this the frotier problem or, Nobody has ever doe this before. There are several sigificat factors which make commercial trasactios o the Iteret a whole ew ball game: the global factor - the eed to coduct trasactios across iteratioal borders, ecompassig a wide rage of attitudes to commerce ad ecryptio the scale factor - the realisatio that the Iteret is a bigger etwork tha aythig else we have ecoutered, by quatum factors refuds of uused balace o the card: - where the card is damaged, or - where the customer simply wats to redeem the balace. A Australia legal firm, Clayto Utz, has cosidered may of these issues i some detail ad developed some of the thikig. Implicatios for System Desigers the big brai factor - the uprecedeted amout of brai power the Iteret ca focus o ay proposed solutio, virtually elimiatig the prospect of proprietary solutios, ad esurig ay solutio will have to evolve over time the isecurity factor - the fact that the Iteret is iheretly isecure, ot havig bee desiged with secure trasactios i mid ad havig bee, for may years, the playgroud of hackers. Iteret Commerce Three years ago Iteret commerce did ot exist; today it is attractig eormous fiacial iterest. But securig Iteret commerce is probably the biggest challege iformatio security professioals have yet faced. As Stephe Cobb, Director of Special Projects at the NCSA puts it, The challege is to trasmit ad receive iformatio over the Iteret while esurig: it is iaccessible to ayoe but seder ad receiver (privacy) it has ot bee chaged durig trasmissio (itegrity) Curret techologies ad stadards for ecryptig web trasactios do ot ecessarily protect data o the web server, which is ofte relatively easy to attack. The assessmet of each threat must be weighed agaist what is at stake, the exposure faced by proceedig with the kowledge that some attacks are possible. This takes system maagers ito the area of due diligece ad liability. If someoe steals credit card iformatio from your site, you had better be able to documet your defeces ad the basis for decidig they were adequate. Eve with the widespread implemetatio of SET ad other Iteret trasactio stadards, security will ot automatically result. There are a wealth of security issues requirig attetio: The Iteratioal Smart Card Idustry Guide 1997 / 98

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18 18 Articles iteral security - a majority of trasgressios are committed by isiders cotiued hackig - defeces will eed to evolve cotiuously social egieerig - security awareess withi orgaisatios malicious code - this will cotiue to impose overhead o ope systems reliability ad performace - problems with backboes ad servers skills shortages - there are ot eough people who kow how this techology works, a problem oly made worse by the 24x7 up-time requiremets of the Iteret deial of service attacks - usig brute force, with malice or extortio as the motive. Frech Experiece I Frace, two separate fiace cosortia are vyig to set the stadards for Smart Cards (as reported by Eurotrade Computer). The alliace of Groupemet des Cartes Bacaires ad the Belgia bak owed Baksys (developer of the successful Proto electroic purse) are hopig to develop the first iteroperable C-SET (Chip Secured Electroic Trasactio) stadard. Whereas the SET protocol will rely o storig the keys used to secure the trasactio withi the PC, C-SET architecture may be more secure as the keys used to store the trasactio are o the Smart Card istead. E-Comm, the cosortium of BNP, Société Géérale, Credit Lyoais, Frace Télécom, Gemplus ad Visa Iteratioal, is preparig to pilot its ow stadard for Iteret paymets secured by Smart Card over Frace Télécom s Waadoo o-lie service ad Microsoft O-Lie. The e-comm solutio is secured by the user s Smart Card ad is also compatible with SET. While C-SET ad e-comm differ i the way the digital certificate is processed, the two cosortia are co-operatig to esure the two approaches will work together. Data Protectio There eeds to be a clear defiitio of the type of data recorded i SVC trasactios, how log it is stored ad who has access to it. EU Directive 95/46/EC requires the iterests of idividuals to be protected at all stages of processig, from the collectio to destructio of data. This requires data protectio cosideratios to be take ito accout i the desig of systems ad etworks, which must esure secure ad trasparet processig of data, as well as the possibility for idividuals to withdraw their coset to the use of their data for ay o-essetial purposes. Coexistece of old ad ew systems For paymets iitiated electroically, where a credit or curret accout is to be debited, a customer eeds to give authorisatio to his bak. However, the request to credit aother accout, perhaps i aother coutry, may still be carried out by existig, o-electroic, meas. Ideed, most of the Iteret pilots beig plaed curretly require paymet messages to mimic those already i place i order to miimise system chages (ad perhaps preserve the roles of curret players, such as acquirig baks). Gettig Started A umber of Visa Members are dippig their toes i the water, so to speak, by ruig i-house cafeteria pilots of Visa Cash. This is, after all, what Modex did, ad is still ruig, with its Byte project i Lodo. The great advatage of this approach is the ability to test the techology ad processes o a tame audiece - the bak s ow staff. The challege for systems itegrators is the migratio from a simple, closed, sigle issuer system, to a public, ope, iteroperable, fully itegrated implemetatio. Moitorig Very little work has so far bee doe o the systems implicatios of supervisig flows of electroic moey i ad out of a coutry ad betwee differet schemes withi the coutry. The Iteratioal Smart Card Idustry Guide 1997 / 98

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20 Articles COMPANY Page 227 Coclusio So - whe it comes to people s attitudes to moey, we ca recall Professor Galbraith s descriptio of bizarre ad ripely perverse behaviour. Stemmig from this is goig to be a whole rage of products which seek to offer competitive advatage ad a web of regulatios which seek to keep everyoe o the straight ad arrow. Systems desigers ad itegrators are goig to have a iterestig ad challegig 5-10 years ahead as they brig this all ito beig. Ackowledgemets Mühlbauer High Tech Iteratioal, whose headquarters are i Rodig, Bavaria, presets five ew machies desiged to esure maximum cotiuous productio flow ad flexibility. The Card Ispectio System CI 2200 ispects card surfaces for scratches ad other damage, as well as holograms, magetic strips, chips, etc. This equipmet is a MUST for high quality Smart Card maufacturers, sice the CI2200 detects ad aalyses most types of error, ad makes the total productio process trasparet. Our ew Lie 3000, which cosists of a dual-head Smart Card Millig Machie SCM 5030 (also suitable for Combi- Card) ad a Module Implater Machie SCI 8300, is a stateof-the-art piece of equipmet offerig maximum performace, reliability, availability ad flexibility. It has a optimum throughout of up to 3000 cph. The brad ew Ecapsulatio Machie CME 3010 for IC modules represets a ew era of high-speed ecapsulatio machies. The CME 3010 ca ecapsulate up to 12 modules i parallel, with a throughput of up to 10,000 mph. The glob top ca be moitored usig a optical ad mechaical system. For the boomig cotactless Smart Card market, we have desiged the ew stadards settig, IAL (Ilet Assembly Lie), which esures highest throughput ad yield, fully automatically, cotrolled ad supervised by a host computer. Our egieers will solve your idividual problems. Although our high quality machies satisfy most requiremets, if ecessary we will develop ad desig solutios for your special eeds. Our o-goig ivestmet i R&D meas that we ca permaetly offer the best solutios to meet the demads of the future. 1 Questios o Electroic Moey - Revised Editio. Europea Commissio Directorate Geeral XV. April Report to the Europea Commissio (DG XV) o the Legal ad Regulatory Aspects of the Issue ad Use of Pre-paid Cards. Nicholso Graham & Joes Moey - Whece It Came, Where It Wet. Joh Keeth Galbraith. 2d Editio Net Commerce. Nerada Clemas, Eurotrade Computer, May Stored Value Smart Cards. Clayto Utz. 6 Web sites: Sema Group: Office of the Comptroller of the Currecy: Natioal Computer Security Associatio: v

21 Multos or Java Card That is the Questio? Articles 21 by Robi Towed, SVP World-wide Smart Card Strategy Itellect Electroics, Ic., Sa Jose, CA This questio is ot iteded to be a pu o Shakespeare although he might have bee amused by the topic, or is it a geography questio o Multos is ot a Greek Islad ad Java (i this cotext) is ot a Idoesia Islad, rather they are the two most talked about techical Smart Card terms i the Fiace Sector today. What are they, why are they so importat ad what challeges result from the issue? Also the questio - Why should there be a choice? These ad other associated elemets are the topic of this article. My purpose i raisig this issue is to try ad put forward a view o how the Fiace Sector might resolve some techical issues to help accelerate the roll-out of Smart Card techology ad at the same time miimise commercial risk ad costs. I doig so I am ot itedig to go ito techical details but rather help explai the techology. I am doig this because this questio has bee the most frequetly asked questio I have had i my discussios with seior bakers from aroud the world durig the last few moths. It is clear like so may techical matters that differet iterpretatios exist ad this oly succeeds i cofusig the market place. So I hope to take some mystery out of the debate ad focus o a way forward. After all o oe wats to make a major commitmet to the wrog techology! This last poit just eeds a brief explaatio as we all kow that popular techology i the market place is ot always the most techically elegat good examples exist i both the video recordig world, where VHS was the popular choice ad Betamax was cosidered techically the better system. Aother more tellig ad relevat example here would be that of operatig systems for PCs Widows the most widely used is ot cosidered by some to be the most user friedly or techically efficiet. This is somethig we ca keep i mid with the issues here of Multos ad Java Card ad illustrates the power of marketig over techical excellece. Multos ad JavaCard - What are they? Very simply Multos is a card operatig system ad Java is a computer laguage. So we are ot really talkig about the same thig. Before I explore the relevat merits of these techical approaches I thik it is importat to explai the eviromet ad address the issue from a bakers perspective. Today a baker wishig to issue microprocessor based Smart Cards is obliged to source them from a card maufacturer. Several compaies provide this service Gemplus, Schlumberger, Giesecke & Devriet, ORGA, De La Rue, Bull amogst others. Each card maufacturer i tur sources their silico from the silico fabricators such as Motorola, Hitachi, SGS-Thomso, Siemes, Philips, Texas 1997 / 98 The Iteratioal Smart Card Idustry Guide

22 22 Articles Istrumets ad others. Each card maufacturer desigs ad builds proprietary card operatig systems for the may differet microprocessor models ad cofiguratios offered by the silico fabricators, resultig i umerous implemetatio differeces. I fact, today there are over 70 differet Smart Card operatig systems offered by the vedors ad this excludes all the bespoke implemetatios. This gives rise to the cocer at the heart of the issue we all hear about withi the idustry iteroperability the ability for a card applicatio issued by oe authority to be accepted for the same level of service i a termial deployed by ay Acquirer. This would equally apply across cotiets ad is somethig we have grow used to with magetic stripe cards. Basically the chips ad proprietary o-board operatig systems do ot talk to oe aother today. So what does this mea to the baker? It meas that today he/she is obliged to make choices which card maufacturer, which piece of silico ad which card operatig system? This is ot a trivial decisio, as with all proprietary solutios you become locked ito a particular implemetatio ad are therefore restricted o your choice of vedor ad the limitatios of their platform. The problem does ot stop there however, as the Issuer s back office systems, especially those istalled i the card bureaus for card persoalisatio, will also be proprietary. Hece the eed to move to ope systems ad it is i everyoe s best iterest to do so. Choosig which Smart Card system to implemet therefore has sigificat implicatios ad relates to the buildig of a whole ew ifrastructure it is ot like developig ad deployig a ew paymet product ad lauchig it o a magetic stripe which ca piggy back a existig ifrastructure. A alterative route, ad oe that is becomig popular, is to develop oe s ow operatig system. This ca be expesive (typically over $500,000) ad could take up to two years to desig, build, test ad lauch - ot always a practical optio i today s competitive fast movig market place. The card operatig system platform has become a issue as the eed to have multi-fuctioal cards has become a requiremet. Bakers have always bee iterested i Stored Value as a applicatio; after all it completes the paymet product set of pay before, pay ow ad pay later. The issue has always bee how to make moey from Stored Value, a challege that has exercised much grey matter. Recet pilots ad experimets have produced argumets that the returs from Stored Value are mior, i fact, the busiess case is fragile at best. I have always said there is oly so much profit i a 20 cet trasactio yet the cost of the techology is sigificat especially sice a sigle applicatio sceario requires the etire ifrastructure costs to be absorbed. I short micro-paymets equals microprocessor (you eed the power ad security of a microprocessor card to support Stored Value) equals micro-profits! So it is widely accepted that multi-fuctioal or multi-applicatio cards will be the way forward where the ifrastructure costs ca be spread over a umber of fuctios or services offered by the card. It is therefore a give fact that the market requires a multi-fuctioal card operatig system. What are the Fiace Sector issues ad requiremets for a Smart Card operatig system? Basically the Top 10 key oes are: 1 To ow the customer relatioship irrespective of what third party applicatios co-exist o the same card. 2 To have a broad bakig relatioship that offers multiple fee based value added services, thereby lockig i the customer ad providig reoccurrig reveue streams. 3 The ability for the card to support paymet istrumets coupled with security applicatios, especially i relatio to electroic commerce, ad o-fiacial applicatios i.e. ot just multiaccout but multi-fuctioal. 4 Cotrols to help provide the ability to certify ad type approve ay applicatio added to or modified o the card. This has ot just the obvious commercial implicatios but also protects the bakig system agaist the itroductio of bugs ad viruses, malicious or otherwise. 5 The same Operatig System platform to reside o all plastics irrespective of scheme brad i.e. the same Operatig System would sit o both MasterCard ad Visa cards issued by the same Issuer. The clear advatage here would be that back ed ad support systems would be commo thereby reducig the ifrastructure costs of supportig multiple systems. This is what the baks ejoy today i the magetic stripe card eviromet. The Iteratioal Smart Card Idustry Guide 1997 / 98

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24 24 Articles 6 The ability for the card to have applicatios logically speakig to oe aother. E.g. a credit applicatio liked to a loyalty scheme where the poits could be icremeted every time a certai $ sped had occurred. I appreciate this type of system maagemet could be hadled by the termial but to maitai full Issuer cotrol it eeds to be maaged at card level. 7 The ability for the card to have full applicatio separatio ad have the applicatios fuctio totally idepedet of oe aother. Imagie the sceario where the cardholder is a high et worth customer ad this iformatio is carried o the card. Imagie too this same cardholder is termially ill ad this iformatio is stored i a file o the same chip cotaiig the cardholder s full cliical history. Now imagie what would happe if the cardholder wet to a bak or leder ad applied for a high value log term loa such as a mortgage. Now ask yourself the questio would the leder s decisio to advace the loa be biased if they had access to the healthcare data? Coversely, ask yourself the questio i reverse: would the medical practitioer s decisio or recommedatios for treatmet be iflueced by access to the cardholder s fiacial data? 8 The ability to add, modify or delete ew applicatios to the card whe the card is out i circulatio. I the case of addig a ew applicatio this ideally would mea securely activatig a uused uassiged area of memory. This is importat as ot all applicatios are the same file size. Naturally there are areas of memory that must ot have the ability to be altered such areas as PIN maagemet. 9 That the Itellectual Property Rights to the Operatig System reside withi the Fiace Sector. 10 The ability for the core security to be ehaced should a breach i security occur. Failure to produce, i my opiio, a commo card operatig system ideally owed maaged ad cotrolled by a Fiace Sector etity will result i substatial overheads to the ifrastructure costs. Agreemet o the platform goes a log way to achievig iteroperability ad does ot limit competitio. I fact competitio would be ehaced through applicatio developmet ad speed to market all based o the commo techical solutio. The figure below is a pictorial represetatio of the type of architecture that might exist to support the bakig sector Operatig System requiremets: EMV 96 = Europay MasterCard Visa Debit ad Credit Specificatios 6/96 CR = Credit DR = Debit SVC = Stored Value Card #1 = Cliical Healthcare Data #2 = Loyalty Program Figure 1 Outlie of the Multi-fuctioal Card Operatig System This is like a birds eye view of iside the chip - I have used just five applicatios to illustrate the cocept of multi-fuctioality but the card could support may more applicatios if required. I have draw the applicatio files as differet sizes to illustrate you are ot limited i this way. Also I have draw them idepedet of oe aother but i some cases such as the Cr ad #2 applicatios there would eed to be iteractio betwee these files. The Cliical Healthcare Data could be set so that oly the authorised Healthcare Practitioer could have access to this data. The basic uderstadig of these requiremets helps us put a better perspective o the issue of Multos or Java Card so some explaatio of these cocepts take us oe step further to fid the heart of the cocers. So, what are Multos ad Java? The Iteratioal Smart Card Idustry Guide 1997 / 98

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26 26 Articles Multos Multos is a proposed ope, secure, multiapplicatio card operatig system for Smart Cards. It is uder developmet by MAOSCO Ltd a cosortium of techology parters from withi the Smart Card idustry - Dai Nippo Pritig, Gemplus, Hitachi, Keycorp, Motorola ad Siemes plus MasterCard Iteratioal ad Modex Iteratioal. MAOSCO Ltd s charter is : to drive the adoptio of Multos as a idustry Stadard to maage the o-goig developmet ad maiteace of the Specificatios ad to provide licesig ad certificatio services MEL (Multos Executable Laguage) which is a Smart Card optimised assembler programmig laguage has bee developed to eable applicatios to be writte either i MEL or i other popular EFT evirometal laguages such as C, the compiled ito MEL prior to loadig oto the card (or device) for executio. The obvious advatages mea that applicatios could be developed o a PC ad the added to the card, either at the persoalisatio stage or at ay time through to the expiratio date of the plastic (or more techically correct - the chip). This provides sigificat advatages for bakers or card issuers over the magetic stripe card eviromet we have today. With magetic stripe cards bakers are obliged to issue ew plastic cards for ay ew trasactio based service. With Smart Cards, applicatios ca be developed durig the life of the card ad dyamically added i the field thereby providig opportuities to be quick to market at a reduced cost. Similarly, applicatios ca be dyamically updated (as is the case of a later versio of software) or ideed they may be deleted, freeig up the memory for other applicatios. This provides sigificat flexibility over the magetic stripe card. MEL is still a ew laguage but clearly the first to be brought to market as a specific ope Smart Card OS techology. Java Card Java is a ew, simplified versio of the object orietated programmig laguage C++, it is very likely that Java will become the uiversal laguage of the Iteret. It has bee developed by Su Microsystems ad offers may advatages over other proprietary approaches. Kow i Java-ese as a Applet, a programmer ca write a Java based applicatio that ca ru o all platforms, so the applicatio eeds to be writte oly oce. Cotrast this with other established proprietary platforms for the PC or Mac. Java ca therefore ru o existig proprietary Smart Card operatig systems. Ay Java eabled system ca dowload the applet ad traslate it ito the local machie s laguage by usig a iterpreter the Java iterpreter hadles the traslatio of the byte code to correspod to the local machie. So just like HTML (Hypertext Markup Laguage) o the Iteret, Java will eable users of differet platforms to commuicate ad work together. Java programs are desiged for low badwidth eviromets which meas that it is ideally suited to cosumer iterface devices o the Iteret ad also Electroic Fuds Trasfer devices. Usig Java, a cardholder ca dowload programs remotely over public etworks like the Iteret. The Smart Card termial or device acts as a Java Virtual Machie ad this fits comfortably with the curret philosophy of Visa Iteratioal. It is ot all good ews for Java - the key prerequisite of ay paymet system is soud security. Without advaced security bakig systems it will be compromised the cosequeces are obvious. However, skilled Java programmers ca develop hostile applets that i tur ca ifiltrate other systems, peetratig firewalls ad udertakig malicious activity. It oly goes to show that there is ot a piece of software out there today that caot be hacked. Ehaced security i paymet system terms will come from a combiatio of software ad hardware ad this is destied to be the Smart Card. Those wishig to have more iformatio o the Java Card API (Applicatio Program Iterface) should visit their web site So where to ow? Back to the questio Multos or Java Card which do we choose? Well as you see it is ot a simple questio or is it oe questio ad the aswer is ot The Iteratioal Smart Card Idustry Guide 1997 / 98

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28 either/or, but rather a restatemet ad uderstadig of the card operatig system requiremets. Persoally I feel the Fiace Sector owed, maaged ad cotrolled Commo Card Operatig System will happe, but we will see several versios first. What is eeded today i the retail paymets market is a bridge betwee Multos ad Java Card likig the MasterCard/Modex approach to the Visa Iteratioal approach. I see the Java laguage itself as beig that bridge although it may be a later versio to accout for the security cocers. This approach is both politically acceptable ad would correctly ope the door to other importat paymet system players such as America Express. Competitio ca evolve o a commercial basis as it always has doe but safe i the kowledge that the idustry has made a major step forward to achievig iteroperability. Java is uquestioably goig to have a key role i makig Smart Cards maistream. My oly persoal doubt has bee the cocept of the card carryig executable code. It potetially chages the dyamics of the trasactio process ad could have major implicatios o the bak card acquirig busiess. Noetheless a ope multi-fuctioal card operatig system usig Java will help trasform the traditioal plastic bak card ito a persoal electroic wallet, orgaiser ad secure idetity device all i oe. The age old problem of establishig the clear idetity of the cardholder, whether they have fuds available to meet the trasactio ad that the card ad the holder are a matched pair will be resolved the ext issue will be to guaratee the merchats their fuds. The developmet of a commo Fiace Idustry Smart Card Operatig System is ot likely to be available for a umber of years by which time Electroic Commerce will be commo place ad that will preset additioal migratio issues. I summary, the market place for Smart Card operatig systems is ot stable ad several iteratios may take place before there is widespread use of a Commo Card Operatig System. So make your choice wisely. v

29 Articles The Java Electroic Commerce Framework (JECF) ad Moder Protocol Desigs 29 Rialdo Di Giorgio (left) Staff Egieer Su Labs Efrem Lipki (right) JECF Object Architect This article discusses the protocol techology used by Su Microsystems iovative Java Electroic Commerce Framework (JECF) ad used to implemet a digital wallet/purse/ checkbook that we have implemeted based o the JECF. We desiged our protocols usig uiformly represeted objects ad Remote Method Ivocatio (RMI) istead of the tedious ad iflexible methods of had codig a wire protocol, developig a ASN.1 specificatio, or creatig special case ecodig rules. We call our methods OPD Object Protocol Desig. We will illustrate OPD with a actual protocol implemetatio employig RMI. Itroductio The fuctio of the Java Electroic Commerce Framework 1 is to support the creatio of applicatios that implemet electroic trade. It provides compoets for user iterfaces, security, data storage ad commuicatio. It provides a uiform iterface to commerce iformatio ad paymet services. Sice its earliest days as barter, commerce has required commuicatio. The coversatio of trade is a highly stylized form of commuicatio. Ordiary (aalog?) commerce has evolved elaborate rituals ad protocols. Digitally mediated commerce is trasacted via may layers of protocols, which must be fully specified for every step. Traditioal protocols are hard to desig, hard to specify, ad very hard to implemet correctly. They are also hard to get accepted. Early attempts at protocols of electroic commerce, such as EDI, CyberCash, ad DigiCash, have had limited success. The Java Electroic Commerce Framework must support a large variety of protocols. Every type of paymet istrumet the credit card, the cash card, e-cash ad ew exotic forms has its ow protocol. Some istrumets work with several alterative protocols. Protocols are required for all kids of commercial or fiacial trasactios. To carry out a purchase or to trasfer fuds betwee bak accouts requires a protocol. Ad protocols are required to commuicate betwee differet commerce applicatios ad betwee some parts of the JECF. Of course protocols are required to commuicate with a Smart Card, whether the purpose is autheticatig the holder, doig a fiacial trasactio, or some more imagiative fuctio. The JECF ad services built upo it must slavishly implemet some of these protocols because they are defied by stadards groups or other orgaizatios, but may ca be created from 1997 / 98 The Iteratioal Smart Card Idustry Guide

30 30 Articles scratch iveted by the Java Commerce Team ad implemeted as commerce compoets. I that case the JECF cuts through much of the difficulty by usig two forms of object-orieted protocol: Object-Based Protocols ad Nested Property-List Protocols. Object-Based Protocols use object-orieted distributed processig systems like RMI ad CORBA to make developig a protocol much like developig a ordiary objectorieted API. Nested Property-List Protocols abado some efficiecy ad some automatio for the ease of exchagig all iformatio i a easily exteded, free-form ASCII or Uicode object. The Old Way to Defie a Protocol Lay out some message types as C structures or eve facy variable legth, bitwise compressed codes: e.g., if the leftmost bit is 1, iclude the ext byte oops, I meat octet i the value, or if you wat to keep your arithmetic uit ruig really hot, pack each value ito a variable umber of bits based o its frequecy of appearace. (Wow, I bet if we coded value pairs by frequecy we could save a byte or two a packet!). Do the sematics of the protocol as a Fiite State Automato, possibly passig a few hard operatios like maitaiig a slidig widow to a coveietly hidde Turig Machie. If you really eed to make that wire work, or wat to milk that spectrum for the last half hertz, the old ways are still the best, ad will satisfy that obsessive-compulsive trait buried deep i may a programmer s soul. For the sophisticated Euromoder programmer of the last decade there is ASN.1 ad Basic Ecodig Rules (BER), which at the cost of some message desity will allow more complex data structures to be defied for protocols, usig the simple sytax rules of ASN.1 with a ASN.1 compiler, or by geeratig the BER form of ested structures directly i code. The logic of the protocol must still be coded as above. The basic trouble with ASN.1 is the use of too much machiery for too little gai. What is Object Orieted Programmig? Object-Orieted Desig ad Programmig (OOD/OOP) allow desigers ad programmers to specify problems i laguage that models the real world. The ous of this laguage correspod to the etities of the problem domai ad the verbs correspod to the behaviors of these etities. The ous are called objects ad every object is a realizatio of some class, which defies the object s type ad specifies the data i a object ad the verbs (procedures or methods) that implemet the core behavior of the object. Each method applies oly to objects belogig to a particular class ad act o the object potetially chagig the object s state. A method may also retur a value (other objects) derived from the state of the object it is applied to ad the states of ay parameters passed the method. Classes give the uiverse of objects structure. Further order is created by defiig some classes i terms of other classes. The paret class provides defiitio that is commo to all the classes which exted it. Methods for differet classes of objects ca have the same ame. The appropriate implemetatio of the method will be used based o the type of the object to which it is beig applied. Ideally, all the methods with the same ame have aalogous purposes for their respective types of etities. Thus the OO represetatio of a program is eatly divided up ito real-world categories of etities, the etities themselves, the categories of iteractio betwee etities, ad the methods which actually specify the iteractios of the etities. The abstractios by which we orgaize our uderstadig of the world ca be reflected i the orgaizatio of a OO program. A Object- Orieted implemetatio ca mimic ot just the problem beig solved, but the way we uderstad the problem. This makes the implemetatio both more comprehesible ad more efficiet. The caoical example of Object-Orieted Programmig is a graphics package with specific geometric forms defied as extedig a more abstract Figure class. But our iterest is commerce so let us cosider a most abstract class ValuedStuff which icludes everythig from dollars to that comfortable, but tattered sweatshirt you ca t bear to part with. Moey exteds ValuedStuff, but it must have attributes which The Iteratioal Smart Card Idustry Guide 1997 / 98

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32 32 Articles specify both amout ad currecy. There also eeds to be a arithmetic of Moey. This might drive a programmer to defie Dollars ad Marks as extesios of Moey to make represetig their particular quirks simpler. Currecy is a kid of Measure ad has attributes like atioality, ame, ad a value i terms of exchage rates with all other currecies. class Currecy exteds Measure {Strig ame, atioality, code; } class Moey exteds ValuedStuff {it quatity; Currecy type; } Dollars = ew Currecy( Dollar, USA, USD,,,); tebucks = ew Moey(1000,Dollars); // currecy is dollars twobucks = ew Moey(200,Dollars); // but the value is i peies twelvebucks = tebucks.add(twobucks); Accordig to Bertrad Meyer, oe of the fathers of OO programmig ad author of oe of the best books o the subject 2, the beefits of OO programmig are: 1 Correctess 2 Robustess 3 Extedibility 4 Reusability 5 Compatibility 6 Portability 7 Ease of use 8 Efficiecy 9 Programmer productivity To gai some of these beefits we have applied OO cocepts to protocols. By usig Objects i protocol desig we ca provide extesible protocols that are strogly typed ad more secure, as well as more easily uderstood. The Iteratioal Smart Card Idustry Guide 1997 / 98

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34 34 Articles Java Electroic Commerce Framework The basic requiremets for a Digital Wallet software product are these: that it should 1 Eable customers to purchase goods, services, ad iformatio from commercial Web sites. 2 Guaratee the privacy ad security of the trasactio. 3 Protect the user s persoal data. It must be private ad tamper proof. 4 Support ay of a umber of protocols while providig a uiform iterface to the user. 5 Dowload ad update from the Net without requirig explicit software istallatio. 6 Support ew paymet protocols o demad. 7 Allow a user s wallet to be accessible as log as the user has some kid of coectio to the Net, be it telephoe, wireless, or ifrared. The JECF provides a framework for a developer to create secure commerce applicatios such as a Java Digital Wallet. Just as your wallet/purse cotais may differet cards ad bits of paper the Java Wallet cotais may bits of aalogous digital iformatio. It goes further however i that it ca also take your home filig cabiet ad all those fiacial programs you have ad put them i oe place. The JECF supports addig additioal commerce compoets to a JECF applicatio, so it is easy to exted the Java Wallet with compoets, like tax programs, that ca make use of the data stored i the Wallet. The Java Commerce Message: Usig the JECF to buy somethig How does a user o the Web purchase a Item with the Wallet? Due to the lack of stadards for commerce messagig the JECF team has iveted a scheme Java Commerce Protocol that uses simple ASCII messages Java Commerce Messages set betwee the server ad the cliet. The basic Java Commerce Message is a request from oe system to aother requestig some operatio be performed. A JCM causes a operatio to be lauched. The operatio is the resposible for iterpretig the other parameters i the JCM ad performig the requested actio. JCMs 3 have the advatages of beig huma readable ad supportable by ay Web server. While browsig the Web a user selects a item to buy. The merchat s server seds a JCM whose operatio is Purchase to the users system. Receivig this message causes the browser to lauch the Wallet if it is ot already activated. The message would describe the item to be purchased, provide a list of acceptable paymet istrumets, ad give terms, coditios ad price. The Web user the selects which istrumet to use to make paymet. This activates a correspodig Istrumet object that begis the paymet protocol with the merchat s server ad whatever other parties are required to realize the purchase. A protocol appropriate to the istrumet is used. For example credit card istrumets will typically use the SET protocol. If there is more tha oe protocol that will work with the istrumet ad is uderstood by the merchat, the customer may idicate which to use. The protocol orchestrates the trasfer of fuds, may deliver a digital receipt, or the actual goods if they are digital. We used a Nested Property-List represetatio for the Java Commerce Message ad the Java Commerce Protocol. A well-kow example of the Property-List style of protocol is Uix s Simple Mail Trasport Protocol. A less well kow oe is XML a possible replacemet for HTML. Property-List protocols trasport iformatio as readable text made up of clumps of ame/value pairs. They get their stregth from the ease with which both people ad programs ca maipulate their elemets. They are trivial to ecode. Just sed ASCII or Uicode. They are easily traslated ito objects ad it is eve easier to add ew fields ad iformatio - just do it. They also make it simple to igore ukow ad usupported fields. So a Property-List protocol may expad fluidly as each ew site upgrades. The Iteratioal Smart Card Idustry Guide 1997 / 98

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36 36 Articles A massive switchover from oe protocol geeratio to aother is rarely required. The Uix mail protocol is probably the most familiar form of Property-List Protocol. From: Subject: Widow Cleaig Schedule The Java Commerce Message (JCM) is a much more complex example of this techique offer.lieitem.1.descriptio=java Laguage Specificatio 12 The property lists used by i JCMs are ested. Each property may have subproperties with either ames or umbers idetifyig them. Thus a offer ca cotai a lieitem sectio i which each idividual lie item is idetified by umbers ad may have a variety of properties describig it. A uusual feature of a JCM value is that it may be optioally proceeded by a uit or type that is idicated by a A site that wishes to support the Wallet for commerce simply eeds to: Ecode some JCM files for each item they wish to make available for sale usig the currecy of their choice (eve frequet flyer miles) ad the paymet istrumets accepted. Write a small compoet that rus i the Wallet ad processes this message. Decide o the protocol to be used for paymet. Havig accomplished the above steps. The site is ow ready to serve items for purchase ad or redemptio. This same approach ca also be used for implemetig a Software ATM ad has bee easily achieved with the JECF usig Modex Cards 4. So we ed up with the user gettig a very simple iterface with the macro steps outlied below: Cliet lauches Wallet ad selects item to buy Server seds the JCM for the item Wallet framework lauches service User selects paymet istrumet Wallet Service begis paymet protocol Server seds a receipt These protocols are easily exteded. If we eed a ew field to record a discout rate we simply code somethig like: offer.discout=0.1 ad ew code which kows about the field ca use the iformatio while other code igores it. Example Java Commerce Message(JCM) JCM files are very simple. The followig JCM file describes a item for Purchase i dollars ad ca be paid for usig Modex, Visa Cash or frequet flyer miles. Operatio=purchase ValidIstrumets=CreditCard, Modex, FFMILES ValidProtocols=Post, Modex, FFProtocol lieitems=1 lieitem.1.sku=sku54321 lieitem.1.descriptio=widgets ivoice.taxrate=0.085 seller.name=suexpress seller.acquirer= seller.fileimage=../graphics/suexpress.gif seller.url= s.html This JCM files describes a product that is available for purchase that ca be paid for with a traditioal credit card, Modex or frequet flyer miles. The JCM also icludes the price, weight, umber of uits, etc. The JECF provides a mechaism for parsig the properties ito tree-like objects ad usig them i the wallet. The JECF supports tearig of subtrees of a JCM ad passig them as parameters to the services which implemet the larger operatios. We have experimeted with addig paymet via the Wallet usig JCMs by buildig small merchat sites ad covertig parts of existig sites. We have foud it geerally easy to do ad at least oe system geerated JCMs from a existig site after the simple specificatio of a template. Defiig our ow Iteret protocol for Modex we exteded the JCM ito the Java Commerce Protocol which supports merchat specified value acquires, siged receipts, ad error messages. The Iteratioal Smart Card Idustry Guide 1997 / 98

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38 38 Articles Object-Based Protocols By requirig both eds of a coectio to speak ad uderstad Java the work of defiig ad implemetig a protocol ca be reduced to the creatio of a covetioal API istead of requirig the orgaizig of aother committee to discuss BER (Borig Ecodig Rules). Cosider a process betwee two or more machies that requires steps to be performed to complete a trasactio. These steps ca each require complex data types like certificates, item descriptios, receipts, currecies etc. Usig JavaSoft s Remote Method Ivocatio (RMI) 5 6 to implemet this process (assumig the chaels are tamper proof) each message exchage becomes a method call which a programmer writes i the usual maer. The protocol used to commuicate betwee the remote objects is structured ad used like ay API. RMI will magically execute the methods across the etwork passig the requisite objects back ad forth as eeded. I Object-Based Protocols local proxy objects stad i for remote objects. Two of more objects residet o two or more machies ca iteract with the style of codig used i sigle process programmig ad igore may of the mechaical difficulties of distributed programmig. For example: offer = catalog.wattobuy(shoppig_list); receipt = bak.pay(offer); cofirmatio = merchat.purchase(offer, receipt); This code appears simple, but catalog, merchat, ad bak may each be a object residet o some machie other tha the oe appearig to execute the code. So as may as four machies may be ivolved i executig these lies of code. Of course i writig this code the programmer must take ito accout the extra expese ad delay of remote executio, but geerality eed ot impose sigificatly higher commuicatios cost the implemetatio via ay other form of protocol automatio, such as ASN.1. Why RMI to Implemet Protocols? Object-Based Protocols use services built ito Remote Method Ivocatio system ad CORBA 7 OMG s stadard for commuicatig betwee distributed objects to exchage active objects betwee processes. The objects ca be executed locally ad remotely. RMI 8 is curretly supported by the JECF due to its ease of use ad implemetatio ad CORBA will be supported i the future. RMI is icluded with JDK1.1 ad above ad is a core compoet meaig you ca always rely o it beig there. The code that implemets the behavior of a object participatig i a commuicatio does ot have to exist o the executig machie with RMI. RMI truly trasports objects without beig ecumbered by legacy systems. This meas it will move code as well as data to the machie actually executig a method. This is a key feature for extesibility, with this type of power you ca deploy a protocol today ad later update it without chagig the applicatio. A major step forward from sedig out updates to everyoe. Object-Based Protocols ca support much greater complexity ad faster chage tha traditioal protocols because the ecodig ad trasport mechaism are built ito systems which support them. Their OO orgaizatio removes the eed for dispatchig tables ad case-by-case itegratio with the code usig the protocol. It should be oted that a alterative to RMI is to use Object Serializatio to toss the objects aroud the etwork ad write programs that read ad write serialized streams. This approach does ot support method calls ad requires more work o the part of programmers, but it would be possible to iterface to systems that do ot support Java. Implemetig a Modex Cliet ad Server with RMI Modex is oe of the more iterestig Smart Card cash card schemes. Modex requires that value be trasferred form oe card to aother card. This approach is fudametally differet ad iheretly more secure tha other schemes that allow the servers to simply be software etities. Modex is oe of the paymet optios i the JECF. A simple implemetatio of a Modex compoet that speaks to a server is provided. The JECF also implemets a sample paymet server for Modex trasactios. The Iteratioal Smart Card Idustry Guide 1997 / 98

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40 40 Articles To iitiate a Modex paymet, a purchase JCM allowig the use of a Modex Istrumet is set to the Wallet. The customer selects Modex by placig their card i the reader. The Modex Istrumet object is lauched, asks the user for a PIN ad proceeds to commuicate with the server usig the RMI based protocol. We have developed a class ModexPurse which has all the methods required to use the electroic purse o a Modex Smart Card. Usig RMI a istace of a ModexPurse ca be located aywhere o the etwork. RMI is used to locate the remote object ad create a local proxy for it. The proxy is used to ivoke the methods of the remote object. These methods are called to perform trasactios such as trasferrig value to or from the remote Modex card. They are executed o the remote machie ad their security is maitaied by the eviromet o the remote machie, ot the oe requestig the services.the trasfer of fuds betwee Modex Purses is simply coded like: remotemodexpurse.upload(localpurse, amout); The complex structure of a Modex ifrastructure with varieties of Modex Servers ad cliets ca be built with this relatively simple class at its core. We have implemeted a sample paymet server for Modex trasactios. This is show i the figure below. Cliets usig the Java Wallet select items for purchase from a Web Site or cotact their Moder Bak to make withdrawals or deposits from their simulated bak accouts. I the case of the merchat server oce the user has selected a item for purchase the Merchat server directs the cliet to a paymet server located aywhere o the Iteret ad waits for cofirmatio of paymet. Oce the Merchat Server has received cofirmatio of paymet the customer is give a receipt ad the goods ad or services are delivered. Summary The old way - usig o object fuctioality - would have required that we specify a cliet ad server coectio ad start a server process to liste for the coectio. The cliet software would the package up the data ad sed it to theserver. The server would the upack this data ad try to uderstad ad fulfill the user s request. The cliet must be iformed of the server s decisio. Good luck if you wat to chage some aspect of the protocol, sice every cliet will eed to be updated with the ew code. The Iteratioal Smart Card Idustry Guide 1997 / 98

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42 42 Articles We have discussed a approach to desigig protocols that should allow faster developmet ad deploymet of a product that is ot obsolete the day it goes out the door because it ca be exteded i real time, dyamically, trasparetly to both developers ad users. We hope that this ecourages you to look for commerce solutios based o OO techology that support dyamic extesibility. 1 Java Electroic Commerce Framework commerce/idex.html/ 2 Bertrad Meyer: Object-Orieted Software Costructio, secod editio, Pretice Hall, Usig JCMS Cassette Writers Cook Book /cookbooks/cassette_writers/cookbook.html 4 Modex: 5 RMI Specificatiohttp://java.su.com/ products/rmi/idex.html 6 Examples Usig RMI jw /jw-05-javadev.html jw /jw-05-persistece.html 7 CORBA specificatio dex.html 8 There have bee some statemets i the press that RMI is usafe because a peer ca drive tra sactio without your kowledge. This is due to the improper use of autheticatio. RMI is the trasport mechaism. It is ot RMI s resposibility to ope ad close the vault. However there are facilities to replace the serializatio methods with additioal security mechaisms, if you wat to secure the chael without requirig exteral chael security. v

43 Smart Card Applicatios 43 Smart Card Applicatios Aroud the World 1997 / 98 The Iteratioal Smart Card Idustry Guide

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45 Smart Card Applicatios 45 Access Cotrol / Security Project ame: VIGIK Access Cotrol System for Buildigs Locatio: Frace Service Provider(s): Applicatio: La Poste (the Frech Post Office) La Poste, the Frech Post Office, is to use cotactless Smart Card techology for VIGIK, its access cotrol system for residetial buildigs which will give postal delivery employees easy access to a large umber of buildigs durig their rouds, while maitaiig security of the premises. Cotactless Smart Cards will be issued to Frech postal carriers to eable them to access every buildig where VIGIK compatible read/write devices are istalled. Postme have to recharge their card key every day at a reloadig termial i their Post Office with the predefied schedule for that day. I cotrast to mechaical ad other types of keys, the VIGIK key caot be used before ad after the specified period of time. The flexibility of the system eables other service providers to joi the system, such as cleaig ad maiteace services, ewspaper carriers. Similar keys - either card-sized or itegrated ito wristwatches, key fobs etc. - ca be issued to residets. Buildig maagers ca grat specific access rights to system users. La Poste plas to market the VIGIK access cotrol cocept worldwide. VIGIK ca be employed by ay operator who requires secured access to a large umber of residetial ad office buildigs as well as easy key maagemet. I additio to access cotrol to buildigs, the system ca also be used for maiteace ad repair of ATMs, payphoes ad vedig machies, room maagemet or time sharig. The electroic lock cosists of two compoets - a cotactless card (The MIFARE techology is used for the Frech buildigs operators applicatio) which fuctios as the key for the perso authorised to eter the buildig, ad a square-shaped lock, the atea, located ear the etrace door. Whe the card is held a few cetimetres away from the atea, a cotrol box checks access authorisatio ad activates the door opeig system (trasactio time approximately 150 ms)). Start date: Ed 1997 To further ehace the security of the system, the cards are also electroically siged with a asymmetric public key algorithm. A programmig uit computes the authorisatio for each cotactless card every day usig the followig data: serial umber of the card, operator idetifier, startig ad edig times of authorised period of use. Sigatures are computed by a cryptographic Smart Card. This card cotais the secret key of the operator. The calculatio s results are the trasmitted to the differet card loadig termials. Suppliers: Card details: La Poste - system desig. Europea compaies for the equipmet. Card fabricator: Mikro of Austria; umber issued: estimated at five millio cards withi five years. Cotacts: Jea-Paul Huo, VIGIK Programme Director at La Poste - Tel: +33 (0) Fax: +33 (0) Elisabeth Döerer, Philips Semicoductors / Mikro - Tel: Fax: / 98 The Iteratioal Smart Card Idustry Guide

46 46 Smart Card Applicatios Access Cotrol / Security Project ame: SmartCity Locatio: Russia Service Provider(s): Applicatio: LukOIL A electroic purse Smart Card to provide a large workforce with greater coveiece ad security as employees ofte work i remote places ad the system allows salaries to be paid ad cashless paymets to be made i eve the most isolated areas. Workers were vulerable to muggig ad the itroductio of the Smart Cards is said to have dramatically reduced the umber of attacks. The Cards ca be used i 25 stores ad four catees i three cities - Volograd, Urai ad Chelyabisk - ad ca also be used for votig at shareholder meetigs. LukOIL ad the Imperial Bak pla to build a atiowide ifrastructure to support card projects. I the first stage 10,000 cards will be issued i Volograd ad Perm. I the secod phase cards will be issued i a further five regios, the the scheme will be rolled-out atiowide with a target issue of oe millio cards by the ed of Start date: Third quarter 1996 Suppliers: Card details: ICL (SmartCityEMS - Electroic Moey System), VeriFoe (card readers) Chip maufacturer: various; card fabricator: Gemplus; umber to be issued: 10,000 iitially. Plas to issue oe millio cards by the ed of Cotact: Siobha Murphy, Marketig, ICL IT Cetre Fax: Educatio Project ame: CROUS Card Locatio: Frace Service Provider(s): Applicatio: Lille Uiversity The first electroic purse card i a Frech Uiversity, the CROUS card is beig used iitially to pay for meals i the five restaurats o the campus ad ca be reloaded with value usig bakig cards at reloadig termials or by cash at cash desks (miimum FF50). The CROUS Card has a secod electroic purse. This oe is a private EP to pay for ciema seats. Thus, the same microprocessor card maages two electroic purses; oe private ad oe public. I the future, the CROUS Card will iclude access cotrol to the uiversity library, paymet for photocopyig ad use as a studet portable file card. The system is supported by Baque Populaire, UGC Ciemas, Coca Cola, OTU (the studet tourism agecy) ad Cartes Jeaes. Start date: Jauary 1997 Suppliers: Igeico Data Systems (IDS) - system desig. IDS ad its local parter IBOS - system istallatio The Iteratioal Smart Card Idustry Guide 1997 / 98

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48 48 Smart Card Applicatios Card details: Cotact: Chip maufacturer: Solaic/Schlumberger; chip referece: C3744; card fabricator: Solaic/Schlumberger; card memory: microprocessor; umber issued: 10,000. Expected that card will later be offered to all 140,000 studets i Lille. Geeviève Puig, Commuicatio Maager IDS Tel: +33 (0) Fax: +33 (0) Educatio Project ame: Lycéoduc Electroic Purse Locatio: Frace Service Provider(s): Applicatio: Lycée Charles-de-Gaulle What bega as a campus card for studets at the college Lycée Charles-de-Gaulle i Muret i 1992 to allow studets to pay for services i the college (such as the cafeteria, driks vedig machies ad photocopiers) has bee developed for use i the city as well. Sice 1996, studets have bee able to use their cards outside the college at merchats selected by the city coucil - a ciema ad a statioers - ad at the ticket office i Muret of SNF, the Frech atioal railway compay. Start date: 1992 Suppliers: Card details: Cotact: Igeico Data Systems (IDS) - system developmet. Igeico - card readers. Chip maufacturer: Solaic/Schlumberger; chip referece: C3744; card fabricator: Solaic Schlumberger; card memory: microprocessor; umber issued: 1,200. Geeviève Puig, Commuicatio Maager, IDS - Tel: +33 (0) Fax: +33 (0) Educatio Project ame: CitySmart Locatio: Hog Kog Service Provider(s): Applicatio: Hog Kog City Uiversity ad Hag Seg Bak The first applicatio of a combied cotact ad cotactless card as a idetity ad stored value Smart Card i Asia implemeted for studets ad staff at Hog Kog City Uiversity. I the idetity fuctio, the cardholder s data is held i the cotactless chip which facilitates access to ad use of campus facilities. The stored value fuctio is provided via the cotact chip eablig cardholders to make purchases of small value goods at service outlets o the campus without the eed to carry cois ad otes. To use the stored value fuctio, cardholders are required to ope a accout with the Hag Seg Bak ad request the bak to activate the cotact chip ad lik the accout with the card. Beefits of the scheme are see as simplifyig cash hadlig ad speedig trasactios i the catee durig busy periods, ad icreased security, particularly by limited access to potetially dagerous areas such as the laboratories. The Iteratioal Smart Card Idustry Guide 1997 / 98

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50 50 Smart Card Applicatios Start date: February 1997 Suppliers: Card details: Cotact: City Uiversity MIS - system developers. VeriFoe - card reader termials Card fabricator: Gemplus (MPCOS 8K ad GCL8K; card memory: 8K; umber issued: 20,000 over two years. Ms Tarvider Dhillo, Marketig Commuicatios Maager, Gemplus Techologies Asia Fax: Educatio Project ame: UiChip Iformatio ad Admiistratio System Locatio: Hugary for Uiversity of Pécs Service Provider(s): Applicatio: CompuWorx Ltd (Hugary), a Gemplus Value Added Reseller Uiversity card system usig a multi-applicatio Smart Card for electroic ad visual idetificatio, data storage ad paymet (electroic purse). Studets use the card for area access (computer room, libraries, dormitories etc); to access the databases, uiversity fee paymet, look up their data (for example, marks, courses, fiacial iformatio, persoal data), sig up for courses ad examiatios. Uiversity maagemet, officers ad teachers receive queries ad reports. Off campus, studets ca use the card to purchase books ad as a seaso ticket for buses. The uiversity reports reduced admiistratio costs ad time. Driks vedor Pepsi Cola reports icreased o-site sales ad the bus compay says ticket fraud is decreasig. Start date: 1995 Suppliers: Card details: CompuWorx - system developmet ad itegratio, TouchScree termials. Gemplus - Smart Cards ad readers. Igeico - poit of sale termials. Card fabricator: Gemplus (PCOS); card memory 8K bytes EEPROM; umber issued: 11,000 Cotact: Flavie Gill, Gemplus +33 (0) Fax: +33 (0) Educatio Project ame: Kesefcard Locatio: Israel Service Provider(s): Applicatio: Bezeq, the Israel Telecom Corporatio A all-purpose, reloadable electroic wallet called the Kesefcard is beig tested with studets at the Uiversity of Bar-Ila i Ramat Ga, ear Tel Aviv. Holders of the chip card ca use it at aroud 130 facilities icludig public telephoes, fax ad photocopyig machies, beverage vedig machies, parkig lots, cafes, The Iteratioal Smart Card Idustry Guide 1997 / 98

51 Smart Card Applicatios 51 Start date: April 1996 automatic ewspaper vedig machies ad lauderettes. The card ca be reloaded up to value of 100 shekel (approximately US $30). Further applicatios plaed iclude the use of the card as a studet ID card o the campus, a library card ad to access educatio grades. The scheme is a joit veture betwee Bezeq ad Racom (Schlumberger s exclusive represetative i Israel) i co-operatio with the uiversity, Lipma, IBM, Comtek, Az-Be ad Getter. The experimet is otable as oe of the few to be operated by a telecommuicatios compay without the participatio of a bakig system. Coditios imposed by the Bak of Israel meas that the cards caot be loaded through a credit card from bak accouts ad have to be reloaded agaist cash oly. Bezeq admits that this impairs the quality of service to customers ad talks are cotiuig with the Bak of Israel to relax their rules. Suppliers: Comtec - system desig. Card details: Card fabricator: Schlumberger (Me-2000); umber issued: over 17,000 Cotact: Eyta B. Levy, Vice Presidet, Marketig ad Customer Services, Bezeq Tel: Fax: Educatio Project ame: UNICARD Locatio: Israel Service Provider(s): Applicatio: The Hebrew Uiversity The UNICARD project at The Hebrew Uiversity i Jerusalem is said to be the biggest Smart Card project implemeted to date i Israel with aroud 30,000 cards beig issued to studets, faculty members ad admiistrative staff. The card combies idetificatio, data storage ad a reloadable electroic purse fuctio. As a idetity card it carries the holder s photograph, ame, ID umber ad cotais iformatio o studet eligibility for examiatios, services, access to restricted laboratories, health club, swimmig pool, library ad book checkig. It also serves as a access key to computer services, databases ad Iteret surfig. Its data storage file applicatio icludes a portable file i which grades, academic status, tuitio fees ad persoal data are stored ad ported. The additio of a reloadable electroic purse eables the card to be used to purchase goods ad services such as faxig, photocopyig, vedig, parkig permissio ad, evetually, for participatio i loyalty schemes i Campus shops. The card ca be loaded with Campus Moey at may locatios i the uiversity. Faculty members ad admiistratio staff use the same techology for all these services ad, i additio, for time ad attedace recordig, computer log-i, parkig privileges ad special employee beefits. Later, it is evisaged that other parties will joi the project ad UNICARD will be co-ordiated with a atioal electroic purse, trasportatio, public telephoy ad health isurace schemes. The UNICARD project has a Iteret home page givig status reports ad regular updates o / 98 The Iteratioal Smart Card Idustry Guide

52 52 Smart Card Applicatios Start date: October 1996 Suppliers: Card details: The Hebrew Uiversity, Caspit Ltd ad Be eri Priters (system developmet), Gemplus (Smart Cards ad iformatio stads where cardholders ca verify the card s cotets ad status), VeriFoe (SC552 termials). Card fabricator: Gemplus MPCOS Triple DES cards (via Caspit); card memory: 2-8K bytes EEPROM; umber issued: 30,000. Total expected to icrease by 7,000 aually. Cotacts: Haim Bassa, Project Maager, The Hebrew Uiversity Tel: E- mail: Eyal Ro, Director, Projects Departmet, Caspit Ltd Tel: Boris Capitaov, Be eri Priters Tel: Flavie Gil, Gemplus, Frace Tel:+33 (0) Iteret: Mark McMurtrie, VeriFoe, UK Tel: +44 (0) Educatio Project ame: Studetchipcard Locatio: Netherlads Service Provider(s): Studetchipcard Foudatio formed by Iformatie Beheer Groep, PTT Telecom ad IBM Netherlads Applicatio: Multi-fuctio cotact ad cotactless studet card curretly ivolvig 14 uiversities ad schools of high ad middle level educatio, but expected to be exteded to all 700,000 uiversity studets i The Netherlads. The card acts as a uiversity ID card, a access card, library card, telephoe card (with a optio for programmable telephoe umbers) ad a electroic purse for paymet i catees, at photocopiers ad i vedig machies o the campus ad to obtai access to the Iteret. The purse ca be reloaded with value at special o-site termials ad at 18,000 public payphoes. Studets ca use the card to cotact the Iformatie Beheer Groep (the orgaisatio resposible for fiacial flow maagemet betwee the govermet ad studets) to obtai iformatio about their studet grats ad go o-lie to chage their persoal data. A PIN code is used to protect the privacy of the cardholder. New pilot studies cotiue, for example, studets are usig the card to obtai authorised access to the school or uiversity s cetral computer from their homes. Start date: October 1995 Suppliers: Card details: System developers - Studetchipcard Foudatio Chip maufacturer - SGS-Thomso (cotact chip) ad Siemes (MIFARE cotactless); card fabricator - card supplied through IBM; card memory - 8K bytes; umber issued - 140,000. Plaed to icrease umber of cards issued to 275,000 by August 1998 ad to 500,000 i the academic year 1998/99. Cotact: Peter Ritsema, Studetchipcard Foudatio Fax: The Iteratioal Smart Card Idustry Guide 1997 / 98

53 Smart Card News Market Itelligece Kowledge is Power With over 20 years techical Smart Card experiece ad six years i publishig iformatio o the idustry, Smart Card News is the orgaisatio to talk to about commissioig your ow Market Itelligece. Smart Card News has a reputatio for reportig the facts, i a ubiased ad iformative maer. I usig our services you ca be assured of a cofidetial, tailormade report o time. For further iformatio please cotact Albert Adoh at Smart Card News Ltd: Tel: +44 (0) Fax: +44 (0) For more iformatio about Smart Card News please see our profile o page 261, or see our subscriptio form o page 298.

54 54 Smart Card Applicatios Educatio Project ame: NatWest Uiversity Card Locatio: Uited Kigdom Service Provider(s): Applicatio: Uiversity of Exeter Multi-purpose studet card icorporatig the Modex cashless paymet system. Studets ad staff at the uiversity are issued with the cards at registratio together with balace readers to eable them to moitor the amout of value stored o their cards. Supported by the Natioal Uio of Studets, the Smart Card combies Guild/NUS membership, library facilities, access cotrol to certai buildigs, allows studets to register their vote i local studet electios, provides a rage of discouts o goods ad services iside ad outside the uiversity ad act as a phoecard. The Modex electroic purse is used for cashless purchases i restaurats, bars, shops, vedig machies, photocopiers ad at payphoes. Special loadig poits have bee established throughout the campus allowig o- NatWest customers to trasfer cash from their debit cards ito Modex value. Start date: October 1996 Suppliers: Natioal Westmister Bak (system developmet ad NatWest cash machies), BT (telephoes adapted to accept Modex ad eable NatWest customers to load the card directly from their accouts), Card details: Not supplied; umber issued: 12,000 Cotact: Stuart Frakli, Uiversity of Exeter +44 (0) Educatio Project ame: Smart School Locatio: Uited Kigdom Service Provider(s): Applicatio: Schools ad colleges A cashless solutio for schoolchildre removig social stigma of free school meals, helpig to reduce bullyig ad providig a healthy eatig poits reward scheme. Additioal fuctioality o the card will iclude library, access cotrol, registratio, photo ID, Iteret access, phoe card, vedig, photocopyig / priter cotrol. Start date: September 1997 Suppliers: Card details: Smart Card Iteratioal - system desig. Sharp Electroics - poit of sale termials (cash registers with Smart Card readers). SCI is workig with SIMS, the largest supplier of systems to schools i the UK with over 20,000 users, to provide ad support the system. Chip maufacturer - Siemes; chip type-sle4442; card fabricator - Gemplus; card memory - 2K bits. Cotact: Bob Cuthbertso, Maagig Director, Smart Card Iteratioal - Tel: +44 (0) Fax: +44 (0) The Iteratioal Smart Card Idustry Guide 1997 / 98

55 Smart Card Applicatios 55 Educatio Project ame: The Smart Campus Locatio: Uited Kigdom Service Provider(s): Applicatio: Asto Uiversity, Birmigham, Eglad Developmet of a multi-fuctioal campus card applicatio providig a electroic purse, educatioal details, medical record ad access to premises ad services such as computers ad liks to the Iteret. The three year project is beig fuded with a 200,000 grat from the Departmet of Educatio ad Employmet s Joit Iformatio Systems Committee s Techology Applicatios Programme. The scheme will use Smart Card techology ad evaluate biometric autheticatio usig figerprits or had geometry. Start date: September 1997 Suppliers: Cofidetial util lauch Card details: Cofidetial util lauch. Number of cards to be issued: 10,000 Cotacts: Toy Bell, Project Maager, Maagemet Iformatio Systems, Asto Uiversity - Tel: +44 (0) , ext Liz Amos, Project Maager - Educatio Project ame: MCARD Locatio: USA Service Provider(s): Applicatio: Uiversity of Michiga A multi-fuctioal studet card which is used as a meas of visual idetificatio, access cotrol, a library card ad a electroic purse which ca be liked to a bak accout. It is plaed to add other fuctios ad the uiversity is evaluatig the use of the card for computer access ad possible storage of basic studet demographic data. Off campus, the card is accepted i the City Bus system as a meas of paymet. Start date: July 1995 Suppliers: Card details: Cotact: Uiversity of Michiga, First of America Bak ad Schlumberger - project specificatios. Schlumberger - card reader termials Chip maufacturer: Motorola; card fabricator: Schlumberger (Payflex card); card memory: 1K bytes EEPROM; umber issued: 52,000 cards i use at ed Target of 100,000 i1998. Robert E Russell, Assistat Director, Fiacial Operatios, Uiversity of Michiga Tel: Fax: / 98 The Iteratioal Smart Card Idustry Guide

56 56 Smart Card Applicatios Etertaimet & Leisure Project ame: Salzburg Card-Plus Locatio: Austria Service Provider(s): Applicatio: Salzburg City Tourist Office A prepaid Smart Card for tourists to the City of Salzburg which ca be used to pay for early all of their holiday requiremets without the eed to carry cash. Tourists pay for the card accordig to the class of accommodatio chose ad the seaso ad the the card becomes the key to accommodatio with breakfast at a rage of 3-5 star hotels, two three-course meals a day at a choice of restaurats, driks at a umber of cafes, bars, pubs ad the hotel, free etry to various tourist attractios, admissio to a classical cocert, free trasport o city buses, a welcome chip at the Casio, a copy of the Salzburg Guide, a daily coffee break or a ightcap at the hotel bar ad two glasses of sparklig wie at the Casio bar. A alterative to the Smart card is the Swatch Access watch which features a itegrated electroic data carrier. The watch is accepted as a ticket i over 300 ski resorts throughout Europe ad North America sice its itroductio at the start of the 1995 witer seaso. Now tourists visitig Salzburg with Swatch Access watches ca have the data trasferred from the Salzburg Card-Plus oto the watch whe they check i at the hotel. If they do ot have this type of watch they may buy a special Salzburg desig at the check-i desk. Start date: September 1996 Suppliers: Card details: Salzburg Iformatio ad parters, SkiData Computer GmbH of Austria ad Swatch AG, of Biel, Switzerlad - system desig Not provided Cotact: Salzburg City Tourist Office, Austria - Tel: Fax: Etertaimet & Leisure Project ame: Club Med Card Locatio: Frace Service Provider(s): Applicatio: Club Med Holiday makers at Club Med resorts - where at oe time customers used to pay for purchases ad services with beads - are ow beig issued with a persoal Smart Card which ca be credited with a agreed amout to pay for purchases. Two types of cards are curretly available - a reloadable card for people stayig i the village ad a disposable card for visitors. The reloadable card is give to customers whe they arrive i the village ad is loaded with a agreed amout. The card is protected by a PIN code. Disposable cards are give to visitors oly stayig for the day i Club Med villages. The customer chooses to buy a card credited with differet amouts. The balace at the ed of the stay is ot refuded. Beefits are see as providig a more efficiet service to cliets. Hadlig a card is easier tha tyig ad utyig the bead ecklace ad rememberig the value of The Iteratioal Smart Card Idustry Guide 1997 / 98

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58 58 Smart Card Applicatios bead colours. The balace o the card is available at ay reader ad the card reduces check out time. The PIN code protects agaist fraud ad the system maages a black list of lost or stole cards. I additio to reducig operatioal costs as the system elimiates cash hadlig, iformatio is available o time ad locatios of trasactios which assists i staff plaig (more sales people i shops depedig o the time of day, for example). Start date: Suppliers: Card details: December Three villages equipped: Pompadour, L Alpe-d Huez ad Sait Moritz. Sprig 1996: Club Aquarius, a subsidiary of Club Med, equipped 12 villages with this solutio - Le Lavadou, Rodez, Alpe d Huez, Djerba, Motpezat, les 2 Alpes, Arc 2000, La Plage, Tiges, Flaie, Valmeiier, Val Thores. Datagrams (system developer), Gemplus (Smart Cards, GMX data collectors ad GCR00 card readers). Chip maufacturer: /a: card fabricator: Gemplus (GPM896 memory card/multipurpose); umber issued: about 40,000 for the three Club Med villages. Cotact: Catherie Ducry, Loyalty ad Private Cards, Gemplus - Tel: +33 (0) Fax: +33 (0) Etertaimet & Leisure Project ame: Ski Slope Maagemet Card Locatio: Frace Service Provider(s): Applicatio: Tow Coucil of Nœux-les-Mîes A Smart Card maagemet system for a artificial ski slope i orther Frace. Skiers usig the 320-metre slope ca use their Smart Card for etry to the chagig rooms ad to ret ski equipmet. They pay for the time actually spet o the ski slope by isertig their card i a termial at the etrace ad agai whe they exit, the charge beig automatically debited from their card. This electroic purse ca be reloaded at self-service termials with a bakig card. The card is also used for employee access cotrol. Start date: May 1966 Suppliers: Igeico Data Systems (IDS) - system desig. IDS ad its local parter IBOS - system istallatio. Card details: Cotacts: Chip maufacturer: Solaic/Schlumberger; chip referece: C256; card fabricator: Solaic/Schlumberger; umber issued: 46,000 Geeviève Puig, Commuicatio Maager, IDS - Tel: +33 (0) Fax: +33 (0) Alai Reuy, Mayor Cabiet, Nœux-les-Mîes - Tel: +33 (0) The Iteratioal Smart Card Idustry Guide 1997 / 98

59 Smart Card Applicatios 59 Etertaimet & Leisure Project ame: Leisure Card Locatio: Uited Kigdom Service Provider(s): Applicatio: Start date: Suppliers: Card details: Local Authorities Smart Card system for the maagemet of local authority leisure cetres which ca iclude all leisure facilities, both public ad private. Iitially it is beig used as a idetity/membership card but other applicatios ca be added such as a electroic purse for vedig, paymet of coucil tax, ret ad for bus passes. First implemetatio was i the Lodo Borough of Barkig & Dageham i Jauary 1997, followed by Efield Borough Coucil, Cogelto Borough Coucil ad private sector hotel chai Village Leisure. ORGA Card Systems (UK) ad Microcashe (system developers), ORGA (Smart Cards ad card readers), Microcache (software). Chip maufacturer: Siemes; chip referece: SLE 4442; card fabricator: ORGA (OMC 240 SP); card memory: 256 bytes EEPROM; umber issued - iitially, aroud 50,000 cards i the first four schemes. Cotacts: Simo Reed, ORGA Card Systems (UK) Tel: +44 (0) Fax: +44 (0) Keith Emery, Microcache Tel: +44 (0) Fax: +44 (0) Etertaimet & Leisure Project ame: Smart Golf Locatio: Uited Kigdom Service Provider(s): Applicatio: Golf Clubs A multi-fuctioal Smart Card system which ca be used for proof of membership, as a electroic purse ad a loyalty card. Beefits iclude improvig club cash flow, icreased efficiecy at poit of sale ad greater cash security both i the club ad o the golf course. Start date: Phase Phase 2 - March 1996 Suppliers: Card details: Smart Card Iteratioal (system developer), Gemplus (Smart Cards ad GCR400 card readers), Sharp (poit of sale termials) Chip maufacturers: Gemplus ad Siemes; Chip type/referece umbers: GPM 2K ad SLE 4442; card fabricators: Gemplus ad McCorquadale, card memory: 2K bits; umber issued: 15,000 cards i circulatio i 20 golf clubs throughout the UK. Cotact: Bob Cuthbertso, Smart Card Iteratioal - Tel: +44 (0) Fax: +44 (0) / 98 The Iteratioal Smart Card Idustry Guide

60 60 Smart Card Applicatios Fiace Project ame: Postcheque Card Locatio: Belgium Service Provider(s): Applicatio: La Poste (the Belgia Post Office) A Smart Card for La Poste accout holders which is accepted at Post Offices ad participatig stores i the pilot cities of Liege ad Ghet. Retailers takig part iclude the major retail chais i Belgium: GB, Delhaize, Makro, Supercofex, CORA ad Colruyt. Postcheque is a (debit or credit) card ad ot a electroic purse. La Post is oe of the few Europea post authorities providig, apart from the atioal baks associatio, paymet services related to curret accouts with the freedom to apply its ow tariffs. The Post Office already has a magetic stripe card ad the ew Postcheque Smart Card is see as a future replacemet. Start date: May 1996 Suppliers: Not provided Card details: Not provided; umber issued: 20,000 Cotact: Lauret Va De Eyde, Project Maager, Postcheque - Tel: Fax: Fiace Project ame: Adésio Locatio: Frace Service Provider(s): Applicatio: La Poste (the Frech Post Office) A customer loyalty card to attract ew customers ad ecourage those who have a La Poste accout but also have a card with aother bak, to use more Post Office products ad services. Adésio cardholders are rewarded with poits each time they use their card for paymet or to withdraw moey at a La Poste ATM. The card carries the CB logo (Groupemet des Cartes Bacaires) ad is backed by Eurocard ad MasterCard eablig it to be used throughout Europe ad a similar charge is made for the Adésio card fracs whe purchases are deducted at bak debit, ad 250 fracs to obtai 30 days credit. Frequet users should be able to collect poits to recover the fee for the card ad take advatage of various Post Office products ad services which ca be paid for with poits makig them free or available at reduced prices. Oe poit is added to the card for over 100 fracs of busiess trasacted at La Poste, for example, withdrawig moey at a La Poste ATM. The card is available at all of the 17,000 Post Offices i Frace. Start date: 6 May 1996 Suppliers: Card details: All POS termials agreed by the GIE CB Chip maufacturers: SGS-Thomso, Motorola, Texas Istrumets; chip type/referece umber: as agreed by the GIE CB ; card fabricators: CP8 Oberthur, Gemplus ad Solaic/Schlumberger; card memory: 1K bytes; umber The Iteratioal Smart Card Idustry Guide 1997 / 98

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62 62 Smart Card Applicatios issued: 400,000 with target of oe millio cards by 1998 Cotact: Jea-Pierre Evrard, La Poste - Tel: +33 (0) Fax: +33 (0) Fiace Project ame: ec-karte with CombiCard-Chip Locatio: Germay Service Provider(s): Address: Applicatio: Volksbak Stormar eg (VBS) Sachsetor 55, Hamburg-Bergedorf, Germay The first phase of the project aims to demostrate CombiCard applicatios to special customers for access cotrol, time attedace, parkig, cafeteria, public trasit ad electroic purse fuctios. These differet applicatios will be activated i a bakig service termial usig the stadard cotact card iterface while the applicatios will maily operate through the cotactless iterface at a distace of up to 10cms from the reader. I the secod phase the project is beig exteded to issue about 30,000 ec-karte with CombiCard chip bak cards. Start date: First phase - November/December Secod phase /98. Suppliers: Card details: Agewadte Digital Elektroik GmbH (ADE) - system developer Chip maufacturer/type - Siemes / SLE 44R42. The memory size is 4+4K bits. Card fabricator - PAV / Gemplus umber issued - 30,000. Cotact: Has Diedrich Kreft, Maagig Director, ADE - Tel: Fax: Fiace Project ame: UK Chip Card Public Pilot Locatio: Uited Kigdom. Service Provider(s): Applicatio: APACS via all the major UK baks Pilot test of bak paymet cards with a chip as a replacemet for magetic stripe cards. A project team set up by APACS, the Associatio for Paymet Clearig Services, is developig the ifrastructure to allow chip-based credit, debit ad ATM cards to be itroduced i the UK ad will pilot the system i two tows - Dufermlie i Scotlad, ad Northampto i Eglad with the co-operatio of the major baks. Start date: 1 October 1997 Card details: Card fabricators - Gemplus, Schlumberger, Bull CP8, Philips, IBM; card memory - 1K EEPROM / 1.3K EEPROM ad 2K bytes EEPROM; umber to be issued - 100,000. Natioal roll-out expected i Cotact: Richard Tyso-Davies, APACS - Tel: +44 (0) Fax: +44 (0) The Iteratioal Smart Card Idustry Guide 1997 / 98

63 Smart Card Applicatios 63 Fiace Project ame: Smart Ship Locatio: USA Service Provider(s): Applicatio: Uited States Navy A Uited States avy project o board the cruiser USS Yorktow to elimiate cash hadlig. The cards are used to replace cois i vedig machies, the ship s store, disbursig office, post office ad three mess halls. The cards also elimiates the eed for a Cash Audit Board for the ship. Start date: November 1996 Suppliers: Card details: ICL ad PTI (system developers), Gemplus (Smart Cards) ad VeriFoe (card reader termials) Card fabricator: Gemplus; umber issued: 650 to members of the ship s compay ad to visitors. Cotact: Siobha Murphy, Marketig, ICL IT Cetre Tel: Fax: / 98 The Iteratioal Smart Card Idustry Guide

64 Smart Card News } visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website visit our website TELEPHONE +44 (0) FAX +44 (0) ~

65 Smart Card Applicatios 65 FINANCE: Electroic Purse Australia: QuickLik SVC Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax Australia $5-10 millio QuickLik Card Systems Ltd Baksys - PROTON System Pilot scheme late 1995 Australia $ oly i pilot Up to Australia $500 Fast food, trasport, geeral retail, etertaimet, payphoes, petrol, vedig machies Parkig, taxis, tolls Bakig system CP8 Trasac, Philips, Schlumberger Yes 1K bytes EEPROM Yes SGS-Thomso Triple DES, passive RSA No 20,000 25,000 (i pilot) Baksys 500 plus Available Specific termial for Australia, EFTPOS release immiet Peter Flower, Geeral Maager Tel: Fax: / 98 The Iteratioal Smart Card Idustry Guide

66 66 Smart Card Applicatios FINANCE: Electroic Purse Australia: Trascard Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax US $ 8 millio Card Techologies Australia Limited Trascard (Australia) Pty Ltd. ad Card Techologies Australia Limited March 1995 start of six-moth trial usig cotactless Smart Cards. Roll-out i Sydey s Great Wester trasport corridor early 1996 ad the to other major cities Yes Varies Electroic purse, tickets, icetives, memberships. Charge accout - Bak direct etry Gemplus, CHD, Mikro No EEPROM No Mikro Proprietary ad DES Optioal 2,000 plus N/A CTA Reader 150 Uder developmet (wallet available) Optioal David Mac.Smith Tel: Fax: The Iteratioal Smart Card Idustry Guide 1997 / 98

67 Smart Card Applicatios 67 FINANCE: Electroic Purse Australia: Visa Cash Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax Iformatio ot supplied ANZ Bakig Group, Commowealth Bak of Australia, CUSCAL (Credit Uios), Natioal Australia Bak ad Westpac Bakig Corp. Visa Iteratioal Started July 1995 with i-house trials. First public pilot scheme lauched o Australia s Gold Coast (North of Brisbae) i November 1995 Sigle currecy (multiple currecies expected 1997/98) $1,000 SVC aimed at low-value paymets. Disposable cards for the beefit of cosumers who travel or do ot have a established bak accout Reloadable Visa Cash cards - February 1996 Via VisaNet ad members Gemplus Techologies - disposable $5, $20, $50. Giesecke & Devriet - reloadable Yes 1K to 8K applicatio depedet No Siemes/Motorola/future provider ot yet chose DES No, purchase; yes, reload 120,000 1,000,000 Fortroic Techologies, Itellect, Igeico, Hypercom, Keycorp, Schlumberger Over 1,000 (plaed) Oki balace reader 200 EFTPOS locatios Bruce Masfield, Head of Chip Cards Australia & NZ Tel: Fax: Note: I additio to the Visa Cash pilots detailed i this sectio, Visa is also coductig trials of Visa Cash i Argetia, Brazil, Caada, Colombia, Hog Kog, Japa, Taiwa ad the UK. I additio, a joit pilot betwee Visa Cash ad Modex is plaed for New York, USA / 98 The Iteratioal Smart Card Idustry Guide

68 68 Smart Card Applicatios FINANCE: Electroic Purse Austria: Quick Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax approx. US $25 millio Europay Austria Austria Card, Europay Austria ad CZS 1994: pilot project; coutry-wide sice November 1995 Sigle Up to 1,999 Austria Schilligs (US $186) Parkig meters, vedig machies, public trasport, taxis, restaurats, shops, Iteret paymets Special bakig applicatios, teleshoppig, etc. Settlemet direct from termial over telecommuicatio lies (phoe lies) or via settlemet card or settlemet portable termial uloaded at bak brach Austria Card, a compay of the Austria cetral bak Yes 4K bytes EEPROM I all termials oly (for asymmetric autheticatio) Siemes / SL 44C42S ad Philips P83C864 Triple DES, RSA No 4 millio cards i 1996 (rechargeable, multi-fuctioal) Evetually 6-8 millio cards. More tha 20 suppliers (Siemes, Bull, Thyro, Kroe, ICL, IBM, Ascom, PDTS, Austria Card etc.) 10,000 i Target: more tha 40,000 i 1997 Yes, five differet products ATMs ad bak brach devices Erst Piller, Austria Card / CZS Tel: Fax: The Iteratioal Smart Card Idustry Guide 1997 / 98

69 Smart Card Applicatios 69 FINANCE: Electroic Purse Belgium: Proto Capital ivestmet Operator System developer Status Currecies Loadable amout 600 millio Belgia fracs (US $192 millio) Baksys, operator of Belgia etwork for electroic paymet - Bacotact/Mister Cash Baksys Trial February Start of atioal roll-out May 1996 Belgia fracs - may be exteded to Euro currecies 5,000 Belgia fracs (US $160) Curret applicatios Paymet for low value amouts, for example, car parkig, ticketig ad vedig machies, public trasport, telephoe calls ad at ewsagets, grocery shops ad fast food restaurats Plaed applicatios Baksys is rollig out the loadig of cards over home or public payphoes ad secured Iteret paymets Method of settlemet Merchats deposit trasactios directly from termial over phoe lies or via velo collectio Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax CP8 Trasac CC 60, CC 80, CC 200, CC 400, CC 1000, ad others if compliat with Proto card requiremets Yes 1 to 8K bytes EEPROM Yes SGS-Thomso / ST Triple DES No at purchase; yes at load 32,000 i trial. 839,500 by ed Jauary millio cards Baksys desiged ad maufactured 1,270 i trial. 8,900 by ed Jauary 1997 Yes (value checker or key rig) ATMs, uatteded load devices ad bak brach devices Daiel Skala, Baksys Tel: Fax: / 98 The Iteratioal Smart Card Idustry Guide

70 70 Smart Card Applicatios FINANCE: Electroic Purse Brazil: PROTON Capital ivestmet Operator Iformatio ot supplied Baco do Brasil with other fiacial istitutios ivited to participate i developmet of a atioal Electroic Purses; BESC, Bak of Sata Cataria, takig part. System developer Status Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax Baco do Brasil ad MITEL of Brazil implemetig Proto with Baksys, the Belgia developer ad operator. October 1995 pilot lauched i city of Blumeau Sigle Up to the equivalet of US $200 Paymet of small amouts at retail outlets, vedig machies, public trasport ad as a electroic meal ticket. A particular applicatio will be the characteristic paymet of salaries oto the cards Merchats deposit trasactios directly from termial over phoe lies or via settlemet card uloaded at ATM or bak brach CP8 Trasac, a divisio of Groupe Bull Yes 1K bytes EEPROM Yes SGS-Thomso / ST16601 Triple DES No 7,500 i trial N/A Baksys desiged ad maufactured Not available Yes N/A Akira Esiki, Baco do Brasil, Belgium Tel: Fax: The Iteratioal Smart Card Idustry Guide 1997 / 98

71 Smart Card Applicatios 71 FINANCE: Electroic Purse Caada: Exact Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax Iformatio ot provided Bak of Motreal ad Toroto-Domiio Bak Baksys, Belgium Pilot scheme lauched December 1996 i Kigsto, Otario Caadia $ Up to Caadia $200 Paymets at 500 merchat locatios - Bak settlemet CP8 Trasac SGS-Thomso / ST Triple DES No at purchase; yes at load 25,000 - Baksys 600 Yes Reload devices at bak braches Ole Pederse, Busiess Maager, Exact Tel: Fax: / 98 The Iteratioal Smart Card Idustry Guide

72 72 Smart Card Applicatios FINANCE: Electroic Purse Caada: Modex Capital ivestmet Operator System developer Not available Royal Bak of Caada, Caadia Imperial Bak of Commerce, Credit Uio Cetral of Caada ad Hogkog Bak of Caada, later joied by the Bak of Motreal, Caada Trust, Le Mouvemet des caisses Desjardis ad Natioal Bak of Caada, Toroto-Domiio Bak ad Scotiabak Natioal Westmister developmet team Status Trial started 13 February 1997 i Guelph ivolvig Royal Bak of Caada, CIBC to be joied by Bak of Motreal ad Caada Trust. Natioal roll-out plaed to start mid Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) Sigle i first phase; five currecies possible i later stages Decided by the currecy maagers. Maximum value said to be up to,10,000 Electroic cash - Not available Dai Nippo Pritig Co. (Cards supplied through SPOM Japa) No 8K bytes EEPROM Yes Hitachi / H8/3102 Secure value trasfer protocol via digital sigature scheme PIN (Yes/No) Yes, but oly to access cardholder accout at the bak via a ATM or telephoe. Kow as a persoal four-digit code it ca also be used as a protectio device to lock the card so that it has o value if lost or stole Cards issued Card Target 5,000 10,000 withi a year Reader/termial suppliers Paasoic (Matsushita Electric Idustrial/Matsushita Battery) ad Oki Electric Idustry Co. - pocket-sized electroic wallets (these show cash available ad provide a record of the last 10 trasactios o the card ad ca be used for trasferrig moey from oe card to aother or for trasferrig cash ito the wallet for safer-keepig at home. Paasoic ad Texas Istrumets - key rig card readers. Bell Caada - Modex telephoes Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax - - ATMs ad telephoes Joe Clark, Modex Tel: The Iteratioal Smart Card Idustry Guide 1997 / 98

73 Smart Card Applicatios 73 FINANCE: Electroic Purse CIS (The Former Soviet Uio): Tamerlao Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax Iformatio ot provided Narodi Bak Vero - Olivetti Pilot phase Natioal Kazakista - Electroic purse (cirillic laguage support) Opeig to iteratioal debit/credit card circuits - Vero No 1K bytes EEPROM No Siemes SLE4428 No Security code 50, ,000 Vero 70 No - Alessadra Vedettuoli, Vero SpA Tel: Fax: / 98 The Iteratioal Smart Card Idustry Guide

74 74 Smart Card Applicatios FINANCE: Electroic Purse CIS (former Soviet Uio) - Zolotaya Koroa Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax Iformatio ot supplied Network of 106 CIS baks Ceter of Fiacial Techologies Lauch 1994 Multiple Ulimited deposit Bak credit, debit cards; reloadable electroic purse, POS, ATM, special card associated products (gas statio, social security, electroic loyalty, medical isurace cards) Phoe cards, driver s licese, fare paymet, uiversity card, EMV compatibility Clearig bak services Solaic Yes 1K bytes EEPROM No Motorola / MC 68HC05SC24 DES, RSA, IDEA Yes 98,000 1,500,000 by year 2000 Iovatro, VeriFoe, DataCard 3,500 Fuctio is implemeted i all POS termials ATMs, self-service termials Nesterova Tatyaa Tel: Fax: The Iteratioal Smart Card Idustry Guide 1997 / 98

75 Smart Card Applicatios 75 FINANCE: Electroic Purse Czech Republic: CLIP Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax Iformatio ot provided Komerci baka, Ivestici a Postovi baka ad Agrobaka with Europay Iteratioal Clip card Muzo Trial i Prague i May Natioal roll-out by the ed of This will be followed by the additio of iteratioal fuctioality ad itegratio oto existig debit cards Czech Kroe 1,000 Czech Kroe (35 ECU) Newspaper kiosks, florists, sack bars, bakers ad office bars The CLIP purse will be itroduced o to Maestro ad Cirrus debit cards which will be coverted to chip techology. Purse will evetually become multi-currecy Settled through traditioal etwork curret accout Gemplus Yes 4K Yes SGS-Thomso RSA dyamic Yes for loadig - No for purchases 1,000 "purse oly" cards i first phase. 10,000 cards by ed of 1997 Mass market - debit purse Igeico ad VeriFoe 25 i first phase. 150 by ed of 1997 No Poit of sale termials, view statios ad bak brach termials Craig Browe, Busiess Maager, Easter Europe, Europay Iteratioal Tel: Fax: / 98 The Iteratioal Smart Card Idustry Guide

76 76 Smart Card Applicatios FINANCE: Electroic Purse Demark: DANMØNT Capital ivestmet $8 millio (US $12.5 millio) Operator DANMØNT A/S established 1991 by TeleDemark ad PBS (Daish telephoe compaies ad baks/savigs baks). I Jauary 1997 PBS acquired TeleDemarks 50% holdig i DANMØNT A/S System developer Status Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax DANMØNT disposable cards. Sice also rechargeable cards. 110 cities i Demark Sigle Up to DKK 500 (US $83); reloadable up to DKK 1000 (US $170) POS, parkig, laudry, recharger for electrical cars, photocopiers, vedig, fax, udergroud ticketig, telephoes, cafeterias, post stamps, Iteret access Multi-fuctio microprocessor card, limited progressig to full fuctioality Sigle clearig ceter dz damark, S-card, Philips (all disposable); Giesecke & Devriet (rechargeable) Disposable - No; rechargeable - Yes. Disposable bits. Rechargeable - 4K bytes EEPROM No Siemes / SLE 4404 (disposable) ad SLE 40C40S (rechargeable) Secure Applicatio Module (SAM) autheticates card No - trasactios off-lie Over 1 millio Never published Hamag, Peek Traffic, Miele, Nyyborg, Logos Desig. Stamps: Frama / Daastar. Vedig: Witteborg Møtsystem, Scaomat. Rak Xerox Total umber ever published. (Telephoes aloe more tha 5,000) Yes for collectors Special termials ad ATMs. Idividual baks will decide to modify or ot Heig N Jese, Maagig Director, DANMØNT, PBS Tel: Fax: The Iteratioal Smart Card Idustry Guide 1997 / 98

77 Smart Card Applicatios 77 FINANCE: Electroic Purse Filad: AVANT Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax 30 millio FIM (US $6.6 millio) Automatia Rahakortit Oy (owed by Merita Bak, Okobak & Postipakki) Automatia Rahakortit Oy (earlier Avat Filad Ltd Disposable cards sice Jauary 1993; rechargeable cards sice Jauary New chip family December 1996 FIM, Euro Maximum 2,000 FIM (US $440) Parkig, payphoes, public trasport, fast food, catees, kiosks, coveiece stores, postal machies, muicipal services, vedig machies All paymets Bak Setec Oy ad others Yes 4K bytes EEPROM No Siemes SLE 44C40S DES ad Triple DES No except for loadig at ATMs 20,000 rechargeable; 1.2 millio disposable 3 millio i three years All certified suppliers ifo here 5,500 Yes 2,100 ATMs i Filad Tapai Pettila, Automatia Rahakortit Oy Tel: Fax: / 98 The Iteratioal Smart Card Idustry Guide

78 78 Smart Card Applicatios FINANCE: Electroic Purse Frace: Name of Electroic Purse: To be decided Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax Iformatio ot provided To be decided To be decided Pilot plaed for mid Place to be decided Frech Frac + Euro < 1,000 Frech Fracs Plaed multi-usage paymet icludig vedig machies, trasport Implemetatio o differet kids of card, with or without other applicatios: multiapplicatio architecture Progressive aggregatio of trasactios To be decided To be decided To be decided Not i the first versio, yes i secod geeratio To be decided Secret keys i the first versio: public key i secod geeratio No PIN for paymet. PIN for loadig - Cofidetial To be decided - Yes ATMs, dedicated devices, home bakig Hervé de Lacotte, Cartes Bacaires Tel: +33 (0) Fax: +33 (0) The Iteratioal Smart Card Idustry Guide 1997 / 98

79 Smart Card Applicatios 79 FINANCE: Electroic Purse Germay: Geld Karte Capital ivestmet Operator System developer Status Currecies Loadable amout Iformatio ot provided ZKA (Zetraler Kredit Ausschuss) represetig the savigs, public, co-operative ad commercial baks ZKA i co-operatio with debis Systemhas March six moth pilot i tows of Ravesburg ad Weigarte. Natioal roll-out started October 1996 Sigle 400 DM (US $262) Curret applicatios Purchases off-lie at POS ad as a electroic purse at retail outlets, o buses ad trais ad at public payphoes. 3,000 baks offer three types of EP - a Eurocheque card with a chip, a proprietary card issued by idividual baks ad a o-accouted card for tourists Plaed applicatios Regioal/local/bak-specific applicatios like - electroic ticket (public trasport), eter/exit fuctio for parkig, discout systems for merchats (customer fidelity systems) Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax System of curretly four data moitorig ceters Giesecke & Devriet ad ODS R Oldebourg Datesysteme GmbH for pilot. G&D, ODS ad ORGA Kartesysteme GmbH for roll-out Yes Yes No Various DES Oly to reload card, ot for paymet (if PC-card or bak proprietary card) 25 millio at ed Giesecke & Devriet, VeriFoe, Gemplus etc. i total 25 suppliers 20,000 at February 1997 Yes 50 Dr Adreas Marti, ZKA Tel: Fax: / 98 The Iteratioal Smart Card Idustry Guide

80 80 Smart Card Applicatios FINANCE: Electroic Purse Germay: PayCard Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax Commercial i cofidece Deutsche Telekom AG Deutsche Telekom AG Regular service started April 1997 Deutsche Mark 400 DM Public trasportatio, telephoe services ad electroic cash Electroic ticket ad other services Ow clearig system ORGA Kartesysteme (yearly teder) Yes EEPROM No Siemes SLE 44 (80/S) Triple DES Oly for reloadig N/A 50,000 i 1997 Deutsche Telekom payphoes ad special termials istalled at rail statios About 90,000 I ear future About 90,000 (card phoes) Werer Sommer. Tel: Fax: The Iteratioal Smart Card Idustry Guide 1997 / 98

81 Smart Card Applicatios 81 FINANCE: Electroic Purse Germay: P-CARD Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios Iformatio ot provided The parters of the P-CARD-System's co-operatio alliace: ORGA Kartesysteme GmbH (cards), KRONE Kommuikatiostechik (termials), GDS G`ppiger Dateservice GmbH (processig) uder the leadership of EBS Elektroic Bakig Systems GmbH (domestic)/pci (iteratioal) EBS GmbH Pilot operatio started October 1996; atioal expasio i EBS is the ower of the rights ad system provider. EBS grats liceces for issuig, acquirig, processig, service-providig ad iterfaces as well as domestic sales cotracts. Card ad termial maufacturers ad processig service providers eed approval / certificatio by the parters of the alliace. Oly baks are beig licesed for Clearig ad Electroic Purse stock trustee accouts. Licesees must submit to the rules ad regulatios of the P-CARD-System's co-operatio alliace parters uder the leadership of EBS; worldwide sales liceces will be grated by PCI i lie with the rules ad regulatios. DM at start-up. All (covertible) currecies worldwide feasible. Maximum DM 400 twice a day Paymet from aoymous or persoalised E-Purse-stock ad pre-paid bous after loadig (eg pocket moey for miors), but also (persoalised) credit / debit; trade bous systems. Parkig, vouchers (cafeteria), access (workig hours) cotrol fuctio, public trasportatio, telephoe feasible (depedig o local periphery coditio). Plaed applicatios There are o practical limitatios to further applicatios similar to - or beyod the above - depedig o desig parameters to be agreed. Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax Clearig of sales paymets ad trasactio fees (distributio) as well as holdig the E-Purse-trusteead "float" accouts remais exclusively with the (licesed)bak (which the licesed) issuer or service provider may select); clearig is iitiated by the (licesed) processig ceter. May be selected by issuer - subject to approval / certificatio Yes Yes No Siemes 44SLC80, Philips, Hitachi H83102 DES, Triple DES, AUT Yes Below 5,000 (i pilot) 500,000 plaed for 1997 KRONE ad ay approved / certified supplier Below 100 (i pilot). Plaig for 2,500 to 5,000 i 1997 Ca be provided Depedig upo desig (selected by the merchat); each POS termial acceptig P- CARD paymets ca load Agelika Weger, Geeral Maager, EBS Elektroik Bakig Systems Tel: Fax: / 98 The Iteratioal Smart Card Idustry Guide

82 82 Smart Card Applicatios FINANCE: Electroic Purse Germay: Visa Cash Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) Iformatio ot provided Bakgesellschaft Berli Visa Iteratioal I-bak trial lauched 24 February 1997 Deutsche Mark 400 DM Purchase of food ad drik i the bak cafeterias - Through Visa Base II System Gemplus - 1K bytes EEPROM No SGS-Thomso ST16601 DES PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact No PIN required at poit of sale. 3,000 3,000 VeriFoe 2 Yes Adapted ATMs withi the bak Coli Baptie, Visa Iteratioal PIN required for reloadig Tel/Fax Tel: +44 (0) Fax: +44 (0) The Iteratioal Smart Card Idustry Guide 1997 / 98

83 Smart Card Applicatios 83 FINANCE: Electroic Purse Hog Kog: Modex Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax N/a Hogkog ad Shaghai Bakig Corporatio Limited (HogkogBak) ad Hag Seg Bak - Lauched October 1996 i Taikoo Shig o Hog Kog Islad ad Sha Ti i the New Territories Hog Kog dollars Up to 3,000 HK dollars Retail outlets Multi-currecy purse Card to card Dai Nippo Pritig Compay Yes 8K bytes EEPROM Yes, available from 1997 Hitachi Cofidetial Yes - to lock card oly 41,000 - Hitachi, Paasoic ad others - readers. VeriFoe - termials Over 700 poit of sale termials Yes Over 125 ATMs / 200 scree phoes Garry Irelad, Modex Asia-Pacific Tel: Fax: / 98 The Iteratioal Smart Card Idustry Guide

84 84 Smart Card Applicatios FINANCE: Electroic Purse Idoesia - SMARTBRI EP ad Passbook Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax Iformatio ot provided Bak Rakyat Idoesia - Start date September 1993 No - Multi-fuctio card to provide off-lie bakig for BRI customers o may islads. Passbook ca hold three PINs for family to share card - Trasfer from Passbook to EP through ATM or bak termials Gemplus Card Techologies, Asia Yes 3K bytes EEPROM - N/A DES Oe to three (o shared family card) 20,000 for lauch; a further 100,000 to be issued Travellig customers or those livig o islads without good telecommuicatios ifrastructure - - No ATMs ad bak termials Remy de Toac/Chou Fag Soog, Gemplus Techologies Asia, Sigapore Tel: Fax: The Iteratioal Smart Card Idustry Guide 1997 / 98

85 Smart Card Applicatios 85 FINANCE: Electroic Purse Italy: Cassamat Capital ivestmet Operator System developer US $4 millio Raiffeiseverbad Südtirol (Federazioe delle Casse Rurali Altoatesie) a fed. of 52 rural baks VERON SpA Status Field trial 1992/93. Pilot July Product lauch October Exteded to accout holders i Selva di Val Gardea ad Merao ad the other locatios. Now exteded to Bofzaa (Boze), regioal admiistratio cetre Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) Sigle Up to $700. Average $150 Electroic purse for bak accout holders ad tourists Bus tickets ad subscriptios; parkig Direct from termial uloaded at bak brach VERON SpA (NEWCASH system usig C-Less cards) Yes 3K bytes EEPROM No SGS-Thomso / ST O.S. features: DES, mutual autheticatio, secure icrease/decrease balace, secure access method (3 level with separate pwd for read/write also o files) PIN (Yes/No) Yes. Five digit PIN decided by cardholder durig card activatio. PIN is always requested durig loadig trasactios. POS verificatio depeds o radom criteria - trasactio amout, cumulative amout. Cards issued Card Target Reader/termial suppliers 46,000 80,000 by ed 1997 VERON SpA - Moeybox portable, battery powered, off-lie termials; EFTPOS multifuctioal o-lie termials; ad motorised Smart Card reader for uatteded termials Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax 2,500 hadheld portable termials, 1,500 EFTPOS desktop multi-fuctioal termials (2,000 by ed 1997) No ATMs (180) Claudio Carli Tel: Fax: / 98 The Iteratioal Smart Card Idustry Guide

86 86 Smart Card Applicatios FINANCE: Electroic Purse Italy: MiiPay Capital ivestmet Operator System developer Status Currecies Loadable amout 50 ma years 66 baks as acquirer / issuers, SSB Spa (SocietB per i Servizi Bacari), merchats SSB for Italia bakig system Pilot started 24 Jue, 1996 (Torio); ed pilot 31 March 1997; already started Siea / Carugate / Fireze / Padova / Brescia / Lodi / Friuli Veezia Giulia Sigle Up to Italia Lira 500,000 Curret applicatios Loadig via Bacomat (domestic debit card) via debit/credit iteratioal cards; paymet, idetificatio, free space for city card, trasport ad refuel applicatio, specific loyalty commads built i the ROM code of the card Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax Remote fuctios of paymet for electroic commerce ad loadig from telephoe equipmet; health services ad caterig applicatios Clearig house Bull CP8. New providers are workig to provide MINIpay cards before ed of 1997 Yes 8K bytes EEPROM No SGS Thomso 16SF48 DES Yes, for direct loadig from accout 800, to 1.4 millio by ed 1997 Olsy (Olivetti), Vero, Bull, NCR, Da-Sisteri, SPE. Other providers are workig to produce ew termials before ed ,000 Yes, plus TSP for remote loadig / paymets usig phoe or Iteret 700 Giorgio Porazzi, Techology ad Systems Departmet Maager Tel: Fax: The Iteratioal Smart Card Idustry Guide 1997 / 98

87 Smart Card Applicatios 87 FINANCE: Electroic Purse Italy: Visa Cash Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax Iformatio ot provided Cariplo Visa Iteratioal Lauched i Bormio 20 December 1996 Italia Lira Cards are disposable (differet amouts) Cards usable i ews stads, shops, bars, taxis, car parks ad ski lifts. - Via Visa Base II system Schlumberger ad Gemplus - 1K bytes ad 8K bytes EEPROM No Motorola SC26 or 28 DES No 20,000 60,000 Sistemi Termials 100 Yes No Coli Baptie, Visa Iteratioal Tel: +44 (0) Fax: +44 (0) / 98 The Iteratioal Smart Card Idustry Guide

88 88 Smart Card Applicatios FINANCE: Electroic Purse Japa: Smart Commerce Japa Capital ivestmet Not available Operator Toshiba Corporatio ad Visa Iteratioal (Other members of cosortium iclude the Daiei Group, Japa=s largest retailer ad the Hakyo Toho Group, a diversified etertaimet, retail ad trasportatio group.) System developer Status Currecies Loadable amout Curret applicatios Toshiba Corporatio ad Visa Iteratioal Pilot first quarter 1997 No - - Plaed applicatios Visa credit or debit Smart Card (for major purchases) with a electroic purse (for small trasactios) to pay for goods o the Iteret. A umber of virtual-mall kiosks will be built to deliver shoppig to those without a home PC. Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers - Toshiba. Card will be developed accordig to EMV specificatios Yes - - Toshiba Distributio of 300,000 cards to curret Visa cardholders who have experiece usig the Iteret Toshiba subsidiary TEC Corporatio Number istalled Plaed to istall 1,000 retail termials. The 300,000 card holders will also be issued with card readers. Plaed to istal EMV chip card reloadig termials to eable cardholders to load value oto the card. Several major retailers will take part i the pilot. Portable balace reader Card rechargig poits Cotact Tel/Fax - Plaed to istal EMV chip card reloadig termials to eable cardholders to load value oto the card Coli Baptie, Visa Iteratioal, UK Tel: +44 (0) Fax: +44 (0) The Iteratioal Smart Card Idustry Guide 1997 / 98

89 Smart Card Applicatios 89 FINANCE: Electroic Purse Lebao: LINC EP Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Not available 23 Lebaese baks LINC, Lebaese Iterbak Card Start 1993 Dual currecy card for paymets i US dollars/lebaese pouds - Moo or dual currecy card offerig both electroic purse ad credit facilities Mixig Visa/MC applicatio Up loadig of the trasactios o-lie or via a merchat Smart Card. Settlemet performed by LINC Gemplus - EEPROM - Gemplus Protected Memory Card GPM 896 Security be meas of a iteral fuse ad secret codes. Blowig the fuse freezes the idetificatio area cotets. Idetificatio area 64 bits (access cotrolled by fuse); applicatio area 2 x 256 bits (access cotrolled by secret code), couter ad secret codes 304 bits. ISO /2 compliat, sigle 5V supply voltage Yes 14,000 40,000 ed of 1996 Dassault Automatismes et Telecommuicatios, Frace Number istalled 1,000 Dassault TPC 232 EFTPOS (The had held module commuicates with the servers of fiacial orgaisatios via the commuicatio module which also serves at the termial support base. TPC 232 A is stadaloe; TPC 232 G is cluster versio). Portable balace reader LCM Card rechargig poits Card reloadig is made i bak braches through Dassault AT LCM 102 Smart Card reader coected to a PC. Card rechargig fuctios o ATMs will be implemeted i Cotact Tel/Fax Valerie Lorci, Dassault Tel: Fax: / 98 The Iteratioal Smart Card Idustry Guide

90 90 Smart Card Applicatios FINANCE: Electroic Purse Netherlads: ChipKip Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax Iformatio ot provided All Dutch baks, except Postbak Iterpay BV(Bak Giro Cetre, BeaNet, Eurocard Netherlads) Phase I started i Arhem October Phase II - atioal roll-out i Phase III - multi-fuctioality 1997 Sigle 1,000 guilders Electroic Purse for small paymets - retail, parkig ad vedig - based o the Belgia PROTON system. Itetio to migrate to Europay specificatios Fully accouted system with Iterpay as the clearig cetre CP8 Trasac i Phase I, CP8 Oberthur ad Philips i Phase II, CP8 Oberthur ad De La Rue Card Techology from Phase III owards Yes 1K bytes EEPROM i Phases I ad II, 8K bytes EEPROM i Phase III No SGS-Thomso / ST CMOS (Phase I ad II), ST16F48 (Phase III) DES ad Triple DES No, except for loadig 5 millio by Jue millio by ed 1998 CCV, Certec, Datelet, Getroics, ICL, NCR, QE, Taxameter 60,000 (at July 1997) Yes Specific cash loadig machies i baks, bak lobbies Ro Kauffma, Arie Klootwijk, Iterpay Nederlad BV Tel: Fax: The Iteratioal Smart Card Idustry Guide 1997 / 98

91 Smart Card Applicatios 91 FINANCE: Electroic Purse Netherlads: Chipper Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax Iformatio ot provided PTT Telecom ad Postbak, a subsidiary of ING Group Chipper Netherlads with KPN Research, IBM ad others Lauch May 1997 Dutch guilders 500 Dfl Electroic purse ad telephoe card Public trasport, loyalty, ticketig, Iteret paymets, idetificatio, healthcare - IBM (multifuctio card) Yes 8K bytes EEPROM Yes SGS-Thomso ST 16SF48 Triple DES Yes for loadig ad idetificatio Not yet lauched 10 millio by ed 1998 Various 20,000 - Phoe boxes (20,000), Telechipper device, domestic Chipper phoe, at phoes i post offices Paul Tesselaar Tel: / Fax: / 98 The Iteratioal Smart Card Idustry Guide

92 92 Smart Card Applicatios FINANCE: Electroic Purse Netherlads: Postbak - Giropas Capital ivestmet Operator System developer Status Currecies Loadable amout Iformatio ot provided Postbak, a subsidiary of ING group Chipper Nederlad, joitly owed by PTT Telecom ad Postbak Natioal roll-out Dutch guilders DF Curret applicatios A multi-fuctio card, Giropas ca be used for withdrawig large ad small sums from braches of the Postbak, payig for telephoe calls (the card ca store up to 20 umbers i memory), ad purchases at retail outlets. Plaed applicatios Electroic purse fuctio will be exted to paymet for parkig, travel o buses ad trais, home bakig ad makig small paymets for iformatio ad services o the Iteret. A ID fuctio will provide idetificatio o the Iteret ad pay-tv ad it will be possible to book ad pay for tickets for the ciema via the telephoe ad to collect loyalty poits. Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card usage poits Card rechargig poits Cotact Tel/Fax Not available IBM multifuctio card Yes 8K bytes EEPROM Not available Thomso ST 16SF48 Not available Not available Not available 5 millio by ed 1997; 10 millio by ed 1998 ot available 20,000 phoe boxes ot available ot available 20,000 phoe boxes, ad Chipperphoe (eablig cardholders to make trasactios at home, check their card balace ad reload the card with value) Too Woltma, Chipper Nederlad Tel: Fax: The Iteratioal Smart Card Idustry Guide 1997 / 98

93 Smart Card Applicatios 93 FINANCE: Electroic Purse Netherlads: SmartScope Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax Iformatio ot provided Netherlads PTT Telecom Chipper Nederlad, joitly owed by PTT Telecom ad Postbak. Natioal roll-out Dutch Guilders up to 500 Guilders A electroic wallet cotaiig cash, debit ad phoecard applicatios. It ca be used simply as a phoe card for all public payphoes i the Netherlads ad additioally to purchase goods ad services. Cardholder ca check the balace o their cards ad reload them at ay of the 20,000 public payphoes i the Netherlads or carry out the same fuctios at home usig a ew Chipperphoe. The Smartscope multi-fuctio card is based o Chipper Techology ad was developed by Chipper Nederlad K bytes EEPROM 100,000. Target of 1 millio by ed Too Woltma, Chipper Nederlad Tel: Fax: / 98 The Iteratioal Smart Card Idustry Guide

94 94 Smart Card Applicatios FINANCE: Electroic Purse Netherlads: Zeeladkaart (ZLK) Capital ivestmet Operator System developer Iformatio ot provided Netherlads PTT Telecom Netherlads PTT Telecom ad IBM Status Small pilot started i the summer of 1995 i the tow of Goes i the Provice of Zeelad ad the exteded throughout the Provice startig i May At the ed of 1997, the Zeeladkaart will be replaced with the more advaced Chipper cards. Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) Dfl Up to Dfl 100 Parkig (185 parkig machies), bus ticketig (210 buses), retail outlets ad libraries (85 outlets) ad public telephoes i Zeelad ad 19,000 i the Netherlads. (The multi-fuctio card ca also cotai 16 telephoe umbers ad list the last four umbers called) Possible use for loyalty programmes, telephoe idetificatio ad access cotrol - IBM - 8K bytes EEPROM PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Yes for reloadig the card. 25, No for purchases Card rechargig poits Cotact Tel/Fax At all public telephoe booths i the Netherlads (more tha 19,000) Rob Regesburg, PTT Card & Payphoe Services Tel: Fax: The Iteratioal Smart Card Idustry Guide 1997 / 98

95 Smart Card Applicatios 95 FINANCE: Electroic Purse New Zealad: Modex Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios N/a Westpac ad Trust Bak Modex I-house trials started October 1996 New Zealad dollars No limit. Typical amout 8 dollars; average purchase 2 dollars Bak staff cafeterias i Christchurch ad Welligto; three merchat sites icludig MacDoalds Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax A public trial is expected to be lauched at the ed of 1997 by New Zealad s six major baks who purchased the New Zealad Modex frachise i July 1996 Card to card Dai Nippo Pritig Compay Yes 8K bytes EEPROM Yes, available from 1997 Hitachi Cofidetial Yes - to lock card oly 800 to employees No target. Limit reached i this trial Hitachi, Paasoic ad others - card readers; De La Rue Card Systems - termials Aroud 10 Yes Modex capable telephoes Terry Grat, Modex Asia-Pacific Tel: Fax: / 98 The Iteratioal Smart Card Idustry Guide

96 96 Smart Card Applicatios FINANCE: Electroic Purse Nigeria: Electroic Smart Card Accout (ESCA) Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax - Allstates Trust Bak Electroic Moey System (EMS) supplied ad implemeted by ICL Irelad Pilot scheme lauched. The first phase ivolves all 16 Allstates braches i Lagos, Newi ad Port Harcourt - Up to 16,000,000 Naira - more tha,100,000 Iitially the ESCA card eables Allstates most importat customers to carry large amouts of value without the risks associated with carryig cash. They ca dowload moey from their bak accouts to the card which ca be used for purchases at retail ad wholesale merchats or cashed at ay Allstates brach - - Gemplus. PCOS Smart Cards for customers ad COS 3K bytes EEPROM Smart Cards for key maiteace, trasactio collectio ad distributio of cacelled card lists DES Yes 2,000 - VeriFoe CM450 Smart Card readers, OMNI 395 poit of sale termials ad priters Noel Crowley, ICL Irelad Tel: Fax: The Iteratioal Smart Card Idustry Guide 1997 / 98

97 Smart Card Applicatios 97 FINANCE: Electroic Purse Pa-Europea: Clip Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax Cofidetial Europay Iteratioal Various Lauch of pilot pilots i Czech Republic, Italy ad Icelad Multiple, icludig euro Issuer defied parameters Low-value purchases of goods ad services at merchats. - Purchases o the Iteret, retrievig a article or iformatio, retig a video, orderig a pay-per-view programme whe Europay credit ad debit cards start beig coverted from magetic stripe to chip cards i Payig for fast food, public trasport, tolls, car parks ad makig purchases from vedig machies Presetmet of trucated totals by the acquirers Various Yes Implemetatio specific Yes Various RSA Yes, for loadig Pilots i Various Pilots i 1996 Ay compatible o-lie device Richard Tischler, Europay Iteratioal Tel: Fax: / 98 The Iteratioal Smart Card Idustry Guide

98 98 Smart Card Applicatios FINANCE: Electroic Purse Portugal: PMB (Multibaco EP) Capital ivestmet 20 millio Ecu (US $7.4 millio) for ATM upgrade, 1,500,000 PMB cards, 100,000 deposit cards, 11,000 EFTPOS, 33,000 PMB oly termials Operator System developer Status Currecies Loadable amout Sociedad Iterbacaria de Servicos SA (SIBS) - a private compay owed by 30 Portuguese baks ad the atioal clearig house for POS ad ATM etworks SIBS April 1995 atioal roll-out (Trials October March 1995) Sigle Up to 200 ECU (US $247) Curret applicatios Low value amouts to replace cash. Private cards (cards combiig PMB with oe extra applicatio such as access cotrol), Uiversity card ad Shell Club Smart card icludig PMB Plaed applicatios Private cards, loyalty, trasport Method of settlemet SIBS is cetral repository ad clearig cetre. Retailers with portable termials use special deposit card to trasfer paymets via ATMs. Termials with commuicatio capabilities trasfer paymets by modem Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Gemplus PMB card (PCOS ad MPCOS), Solaic deposit card (SX) Yes Gemplus PMB 1K bytes ad Solaic SX 3K bytes EEPROM No Chip maufacturer/type Motorola ad SGS-Thomso PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax No, except for loadig 1,700,000 PMB; 70,000 deposit cards Iformatio ot provided Paymet module to be itegrated ito all termials supplied by SIBS; 50 types of termials ad maufacturers already certified ad others uder certificatio. 40,000 Uder preparatio by card issuers 4,500 ATMs, maed bak brach termials ad self-service PMB dispesig machies. Developig home loadig devices based o PCS Rui Ferro Meeses, SIBS Tel: Fax: The Iteratioal Smart Card Idustry Guide 1997 / 98

99 Smart Card Applicatios 99 FINANCE: Electroic Purse Sigapore: CashCard EP Capital ivestmet Operator System developer Status Currecies Loadable amout Iformatio ot provided Network for Electroic Trasfers Pte Ltd (NETS) comprisig seve shareholder baks Sigapore Computer Systems Ltd/Tadem Computers Iteratioal Ic. Six-moth pilot bega Natiowide lauch 1995 Sigle Iitially $10 for studets; $20 for public Curret applicatios First, commo bearer CashCard as basic CashCard, pre-loaded; the bak specific composite CashCard also fuctioig as ATM, NETS (EFTPOS) ad credit card, with magetic stripe as well as chip Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax 1997: electroic road pricig system ad mass rapid trasit (trais ad buses) Iformatio ot supplied Gemplus Techologies Asia Ltd Yes 1K bytes EEPROM No Iformatio ot supplied DES No PIN at POS 40,000 plus i pilot 9 millio by year 2000 Igeico Iteratioal Pte Ltd Curret POS termials to be modified Yes - two suppliers ATMs, self-service termials, payphoes Sag Chu Yog, NETS Tel: Fax: / 98 The Iteratioal Smart Card Idustry Guide

100 100 Smart Card Applicatios FINANCE: Electroic Purse South Africa: Visa Relatioship Card Developmet Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios Iformatio ot provided First Natioal Bak (FNB), Nedcor, Bolad Bak, NBS Bak (with Visa) Baks, Net 1, Gemplus, Schlumberger Lauch July / August 1997 Sigle Depedet o each bak First multi-fuctio Smart Card combiig stored value with credit ad debit facilities ad off-lie pre-authorisatio with the Visa brad. Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax The multi-fuctioal chip card system will be coverted to the EMV (Europay/MasterCard/Visa) specificatios uder the Visa brad for lauch. Stadard bak settlemet Gemplus Yes 8K bytes EEPROM No SGS-Thomso STS16601 DES Yes for loadig ad purchases 350,000 at preset. Oe millio by ed millio credit cards. 5 to 10 millio i mass market Moetel, Natech, Schlumberger, VeriFoe 40,000 by 1 July ,200 ATMs Bak depedet ATMs Rob Clark, Visa Iteratioal Tel: Fax: Note: This project is based o the South Africa Iterbak stadards ad is replacig the Iterbak Electroic Purse at the lauch i July / August The Iteratioal Smart Card Idustry Guide 1997 / 98

101 Smart Card Applicatios 101 FINANCE: Electroic Purse Spai: Euro 6000 Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax Iformatio ot provided Associatio of Spaish Savigs Baks (CECA) Associatio of Spaish Savigs Baks (CECA) Lauch May 1997 Spaish Pesetas Iformatio ot provided Iformatio ot provided Iformatio ot provided Iformatio ot provided Gemplus Yes 2K bytes EEPROM Yes SGS Thompso Triple DES Yes for loadig card, No for purchases Iformatio ot provided Oe millio cards carryig Europay Clip brad by ed 1997 Iformatio ot provided Iformatio ot provided - Iformatio ot provided Gilliae Palmer, Europay Iteratioal Tel: Fax / 98 The Iteratioal Smart Card Idustry Guide

102 102 Smart Card Applicatios FINANCE: Electroic Purse Spai: Visa Cash (formerly called SEMP) Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Iformatio ot provided Visa España (usig the ifrastructure of SEMP - Sociedad Espãola de Medios de Pago - Spaish bakig cosortium) SEMP ad Visa España First trials i October 1994 followed by several closed trials by members of Visa España (Caixa de Pesios, Caixa de Cataloya, Bacaja, Argetaria, etc) uder differet product ames (braded SEMP EP). From July 1996 the Visa Cash brad was adopted for the atiowide EP system Pesetas, but multi-applicatios card maage several currecies up to 25,000 Pesetas Multi-purpose reloadable Smart Card for small paymet trasactios (uder 1,500 Pesetas) - Clearig ad settlemet through SEMP. Solaic, FNMT, others Yes 3K bytes, 4K bytes ad 8K bytes EEPROM No Motorola, Siemes, SGS-Thomso ad Texas Istrumets DES Loadigs: madatory. Purchases: o Cards issued 1.8 millio issued i more tha 20 locatios i Spai (icludig Graollers, Tarragoa, Geroa, Lérida, Logroña, Barceloa, Pamploma, Madrid) ad abroad (Miami, Argetia, Colombia ad Brazil) Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax 5 millio for 1997 Bull Telesicro, Schlumberger, ICS, VeriFoe, ENQ ad SCS, etc 55,000 poit of sale termials (icludig devices for four trasport projects ad for vedig machies), 40,000 public payphoes ad 5,000 ATMs Several types beig used from Bull Telesicro, Toshiba, OKI 700 ATMs, POS ad Self-service machies José-Maria Pérez Soria, Techology Maager, SEMP / Visa España Tel: Fax: The Iteratioal Smart Card Idustry Guide 1997 / 98

103 Smart Card Applicatios 103 FINANCE: Electroic Purse Swede: CASH Capital ivestmet Operator System developer About 10 millio BF Sparbake, Nordbake, SE Bake (90% of Swedish retail bakig) Baksys, Belgium Status Pilot schemes lauched i November 1996 i Uppsala, the oldest uiversity tow i Scadiavia ad Swede=s fourth largest tow (pop. 130,000) ad seaport ad tourist tow of Halmstad (pop. 50,000) Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax SEK (Swedish crow) Up to 1,500 SEK Itersector electroic purse, called CASH for use i small shops ad later at vedig machies, parkig meters, telephoes etc Electroic commerce, for example, paymet via the Iteret Daily debit of bak floats ad credit of merchat accouts CP8 Trasac - 1K bytes EEPROM No CC 60 Passive RSA ad dyamic Triple DES Yes for reloadig, No for paymet trasactios 20,000 35,000 for two pilot cities: atioal extesio foresee secod half of 1997 Baksys 2,000 paymet ad 150 load termials OKI value checker ad key rigs, Bull key rigs Bak braches, shops, malls ad outdoor load devices Youri Tolmatchov, Commuicatio Maager, Baksys Tel: Fax: / 98 The Iteratioal Smart Card Idustry Guide

104 104 Smart Card Applicatios FINANCE: Electroic Purse Switzerlad: CASH Capital ivestmet Operator System developer Status Currecies Loadable amout Iformatio ot provided Europay Switzerlad (acquirig, licecig ad marketig); Telekurs Payserv AG (processig) Baksys, Belgium ad Telekurs Payserv AG, Switzerlad Lauched ed February 1997 Sigle Up to SFr 300 (US $240) Curret applicatios Electroic Purse is implemeted o the curret Eurocheque card providig double fuctioality - as a debit card with a magetic track, ad as a electroic purse usig the chip Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax Noe Global pool CP8 Trasac, Trüb, Orell Füssli, Switzerlad Yes 1K bytes EEPROM No SGS-Thomso Iformatio ot provided No 2.2 millio 2.6 millio December 1997 Baksys 9,500 (Jue 1997) Yes 3,600 ATMs Jacques Bischoff, CEO Europay Switzerlad Tel: Fax: The Iteratioal Smart Card Idustry Guide 1997 / 98

105 Smart Card Applicatios 105 FINANCE: Electroic Purse Switzerlad: POSTCARD - Biee Capital ivestmet Operator System developer Iformatio ot provided Swiss PTT, Paymet Services Iformatio ot provided Status Currecies Loadable amout Trial i tow of Biee from Nov 1991 to Oct Now collaboratig with Europay Switzerlad to become part of a sigle, atioal Electroic Purse called CASH. (See previous etry) Sigle Up to SFr 100 (US $80) - debited from postal accout Curret applicatios Cashless paymet of goods/services ad withdrawig cash from Postomat dispesers. The card cotais a reloadable electroic purse which ca be used i shops, ciemas, payphoes etc. Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers - Debit to Post accout CP8 Trasac - 8K bytes EPROM - Motorola - Yes - to reload the EP. No PIN protectio for usig the EP 9,000 (July 1995) - Iformatio ot provided Number istalled 150 sales poits for debit trasactio o-lie, 70 EP termials i shops, restaurats, petrol statios, payphoes etc. i Biee. The card ca be used like a ormal POSTCARD without EP everywhere else i Switzerlad Portable balace reader No Card rechargig poits Thirty public payphoes i Biee, ad at equipped Post Offices i Biee. Security system: MID (Mobile Itelliget Data-carrier) based o a Bull CP8/M9 - TB100 chip with 3K bytes EEPROM Cotact Tel/Fax Pascal Rabe, Swiss PTT Tel: Fax: / 98 The Iteratioal Smart Card Idustry Guide

106 106 Smart Card Applicatios FINANCE: Electroic Purse Taiwa (Rep. of Chia): Taiwa ROC Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax NT$ 800,000,000 FISC (Fiacial Iformatio System Ceter) FISC Started Jauary 1987 Sigle NT$ 200,000 Natioal paymet system, small/large trasactios, ope system EP Ultimately multi-applicatio Iterbak trasactios are settled by a o-lie real-time process. Participats are required to deposit a AIterbak Settlemet Fud to their settlig baks which are Cetral Bak, Bak of Taiwa ad The Co-operative Bak of Taiwa. For participats likig directly to the FISC, the settlemet is processed accordig to respective participats. For those joiig the FIS through joit ceters, the accouts are collectively settled i agreemet with joit ceters. Gemplus, Schlumberger Yes 3K bytes EEPROM No SGS-Thomso ST 16623; Motorola SC21 DES Yes digits 400, ,000 ed 1995 Systex 4,000 No ATM, self-service bak termials Silvia S F Lee, Executive Vice Presidet, FISC Tel: Fax: The Iteratioal Smart Card Idustry Guide 1997 / 98

107 Smart Card Applicatios 107 FINANCE: Electroic Purse Thailad: Micro Cash Capital ivestmet Iformatio ot provided Operator Bagkok Paymet Techology Co (set up by PCC, theatm operator for the major baks; Micro Bus Co - partly owed by Bagkok s Mass Trasport Authorities - Thai Day Bak, ad the Pro-lie Group, a Bagkok system itegrator) System developer Status Currecies Loadable amout Setec Oy, Filad Lauched November 1996 Thai Baht Up to 2,000 Baht Curret applicatios Iitially te service providers icludig Micro Bus with its fleet of thousads of buses. The card ca be used for purchases at retail outlets, payphoes, vedig machies, ciemas ad as a travel card o buses Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax - - Setec Oy Yes 3K bytes EEPROM No Motorola DES No 70, ,000 by ed 1997 Setec Oy, Ascom Moétel ad others 2,000 No Nearly 200 at bak braches, bus compay offices ad ciemas Fred Graberg, Setec Oy Tel: Fax: / 98 The Iteratioal Smart Card Idustry Guide

108 108 Smart Card Applicatios FINANCE: Electroic Purse Thailad: Thai Farmers Bak (TFB) EP Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax US $1.5 millio Thai Farmers Bak (TFB) Loxley Busiess Iformatio Techology (LOXBIT) Lauched November 1993; SmartCash lauched April, 1995 Sigle 5000 baht (US $20) SmartCash small trasactio prototype of Thai EP, Smart ID (large accout withdrawals), bous poits ad medical records - via EDC Gemplus Yes 1K bytes EEPROM No Gemplus PCOS DES Yes 20,000 i first phase 100,000 i 1996 VeriFoe CM450 Smart Card reader/writer ad PIN pad 200 Beig developed VeriFoe POS - ow, ATM - 4th quarter 1996, self-service - 2d quarter 1996 Natalie Leerapu, LOXBIT, Thailad Tel: Fax: The Iteratioal Smart Card Idustry Guide 1997 / 98

109 Smart Card Applicatios 109 FINANCE: Electroic Purse Ukraie: Ukrcoi Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax Iformatio ot provided Ukrkart AG, a joit stock compay owed by the Natioal Bak ad pricipal commercial baks i the Ukraie, ad Giesecke & Devriet of Germay Ukrkart AG ad Giesecke & Devriet, Germay Trial startig April 1997 Griva Equivalet of 300 DM Electroic purse card with electroic cheque ad debit card fuctio Loyalty schemes, payphoe Credit ad debit advices to settlemet bak Giesecke & Devriet Yes, 8051 cotroller EEPROM No Siemes, Philips (44C42S, P83C864) Triple DES, DES, RSA statric autheticatio Yes, for loadig card ad electroic cheque paymet 30, millio Giesecke & Devriet ICT 800, ICT 810, ICT 800M, KCT 800, balace reader 400 Chipchecker 880 Load termials (BST) Dr Michael Alff, Giesecke & Devriet Tel: Fax: / 98 The Iteratioal Smart Card Idustry Guide

110 110 Smart Card Applicatios FINANCE: Electroic Purse Uited Kigdom: Modex Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios Iformatio ot provided Natioal Westmister Bak/Midlad Bak ad BT Natioal Westmister developmet team Lauched July 1995 i Swido, Eglad. Lauched October 1996 i Exeter ad York Uiversities. To be lauched September 1997 i Nottigham ad Sheffield Hallam Uiversities ad September 1998 i Ediburgh Uiversity Sigle i first phase; five currecies possible i later stages 500 o Swido cosumer card. 100 o uiversity cards Swido: Electroic cash. Exeter ad York Uiversities: Electroic cash, library card, vedig card, access cotrol, computer access, studet ID ad votig registratio. Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Nottigham, Sheffield Hallam ad Ediburgh Uiversity cards - similar fuctioality to Exeter ad York cards Not required Dai Nippo Pritig Co. (Cards supplied through SPOM Japa) Yes 8K bytes EEPROM Yes Hitachi / H8/3102 Secure value trasfer protocol via digital sigature scheme Oly to access cardholder accout via bak ATM or telephoe. This persoal four-digit code it ca also be used to lock the card so that it has o value if lost or stole Cards issued Swido: about 14,000. Exeter Uiversity: over 10,000 studets ad staff. York Uiversity: about 6,500 studets Card Target To be issued to studets ad staff - Nottigham Uiversity: over 15,000. Sheffield Hallam Uiversity: about 26,000. Ediburgh Uiversity: about 25,000. Reader/termial suppliers Number istalled Portable balace reader Card rechargig poits Cotact Tel/Fax Paasoic (Matsushita Electric Idustrial/Matsushita Battery) ad Oki Electric Idustry Co. - pocket-sized electroic wallets (these show cash available ad provide a record of the last 10 trasactios o the card ad ca be used for trasferrig moey from oe card to aother or for trasferrig cash ito the wallet for safer-keepig at home). Paasoic (Matsushita Electric Idustrial/Matsushita Battery) ad Texas Istrumets - key rig card readers. BT - Modex telephoes - adaptig public payphoes with Modex card readers ad providig residetial telephoes with Modex card readers for home use. NCR - ATMs. Various POS termial suppliers. Swido: about 700 retailer outlets Issued with all cosumer cards ATMs ad telephoes Da Brockbak, Modex UK Tel: +44 (0) Fax:+44 (0) The Iteratioal Smart Card Idustry Guide 1997 / 98

111 Smart Card Applicatios 111 FINANCE: Electroic Purse USA: VISA Cash Capital ivestmet Operator System developer Status Currecies Loadable amout Curret applicatios Plaed applicatios Method of settlemet Card fabricators CPU (Yes/No) EPROM/EEPROM Co-processor (Yes/No) Chip maufacturer/type Security algorithm(s) PIN (Yes/No) Cards issued Card Target Reader/termial suppliers Number istalled Portable balace reader Not available Visa Iteratioal, First Uio NatiosBak ad Wachovia Bak Visa Iteratioal April pilot scheme at Visa Iteratioal Headquarters i Califoria (20,000 cards). October Atlata, Georgia Sigle Variable (depeds o bak) SVC aimed at low-value paymets. Disposable cards for the beefit of cosumers who travel or do ot have a established bak accout VISA Cash & Easy Etry Stadard Visa Base II as spet Schlumberger - disposable i values of US$ 25, US$50 ad US$ 100; ad reloadable cards Yes, reloadable; o, disposable 1K to 8K applicatio depedet No Siemes/Motorola/future provider ot yet chose DES No, purchases / yes, reload 10,000 4 millio i 1996 Diebold, Schlumberger-Dayl, De La Rue Fortroic 5,000 i 1996 Yes Card rechargig poits First Uio Bak ATMs. Also, 5,000 scree phoes are beig distributed i cojuctio with BellSouth Telecommuicatios Ic. For use i a home bakig system which will eable customers to load value oto the SVC over the telephoe Cotact Tel/Fax Coli Baptie, Visa Iteratioal, UK Tel: +44 (0) Fax: +44 (0) / 98 The Iteratioal Smart Card Idustry Guide

112 112 Smart Card Applicatios Govermet Project ame: Licecia de Coducir (Drivig Licece) Locatio: Argetia Service Provider(s): Applicatio: Provicial Govermet i Medoza Provice Argetia is the first coutry to itroduce a Smart Card drivig licece. The scheme was itroduced i the Medoza Provice labelled as havig a high accidet rate i the coutry. The provicial govermet decided to itroduce the Smart Card licece to eable the authorities to keep a closer track of drivig habits ad repeat offeders ad to cotrol o-the-spot fies ad offeces. It is aticipated that they will recover more tha $10 millio of upaid fies per year. To obtai or reew a licece, the driver has to complete a applicatio form at the provicial Drivig Licece Service. The iformatio is etered o a database ad a Smart Card is issued cotaiig the licece umber ad type, persoal details ad photograph. Start date: 1995 I additio to the traditioal fixed data, livig iformatio cocerig the driver ad drivig record is iitialised before card delivery ad ca be chaged ad updated at ay time durig the card s life, for example, with drivig offeces ad fies. This makes it easier to esure that fies are paid ad meas frequet offeders or o-payers ca be pealised. The Medoza police are equipped with had-held readers to access the data stored i the card ad ca either read iformatio from the chip ad/or update it if ecessary. Depedig o the severity of the offece ad/or upaid previous fies, immediate paymet may be demaded, the drivig licece cofiscated or the car may be impouded. Police also hope to prevet accidets by keepig a closer track of potetially dagerous drivers ad makig them more aware of the risks to themselves ad other road users. Suppliers: Card details: Talsud - system implemetatio Chip maufacturer: /a; card fabricator: Gemplus; card memory: /a; umber issued: 700,000 at ed of project. Cotact: Delphoe Smithso, Gemplus Marketig Commuicatio - Tel: +33 (0) Fax: +33 (0) Govermet Project ame: Lottokarte Locatio: Germay Service Provider(s): Applicatio: Federal States Orgaisers of the Germa atioal lottery are switchig from paper tickets to a o-lie system with players usig a Smart Card, the Lottokarte, cotaiig their ame, address ad bak details makig it faster ad easier to play ad to pick up their wiigs. The atioal lottery is maaged autoomously by the 16 federal states. Several suppliers of o-lie systems are deliverig termials for a The Iteratioal Smart Card Idustry Guide 1997 / 98

113 Smart Card Applicatios 113 Start date: 1996 atiowide etwork of poits of sale. The most importat advatage for the player is the fact that he/she will be otified of ay wis ad the moey trasferred to his/her bak accout eve if the lotto ticket is lost. Suppliers: Card details: IDJ, EssNet, CGK, G-Tech - o-lie systems Chip maufacturers: Siemes ad SGS-Thomso; chip referece: SLE4432, SLE442, ST14C02 (Hesse is usig magetic stripe cards); card fabricators: Gemplus (9 states), ODS (2), NovaCard/Systemform (2), Hess Card (2) (Hamburg is ot usig Lotto Cards); card memory: 256 bytes EEPROM; umber issued: 500,000. Provisioal estimate of four millio cards by the ed of Cotact: Sabie Bellig, Gemplus GmbH - Tel: Fax: Govermet Project ame: Votig Card Locatio: Italy Service Provider(s): Applicatio: Italia Seate Politicias i the Italia Seate ca record their presece ad availability to vote by isertig a Smart Card ito a reader i frot of their seat. To vote yes, o or abstai, a butto is pressed o the reader. The votes are automatically recorded ad the result displayed o a large scree. The system has bee istalled at local ad regioal govermet level i several major cities such as Rome ad Mila. Start date: April 1996 Suppliers: Eurel Iformatica ad Gemplus Italia - system developmet. Card details: Chip maufacturer: Siemes; card fabricator: Gemplus; umber issued: 2,000 Cotact: Giovai Ladi, Director, Gemplus Italia - Tel: Fax: Govermet Project ame: Sigapore Armed Forces Card Locatio: Sigapore Service Provider(s): Applicatio: Miistry of Defece Smart Card idetity cards to replace paper-based military ID cards for all members of the Sigapore Armed Forces ad Miistry of Defece persoel. The SAF card stores persoal details i a microprocessor chip ad carries a photograph of the holder, a magetic stripe ad a barcode. The card is PIN protected for secure applicatios which require autheticatio. It ca be used for drawig SAF stores 1997 / 98 The Iteratioal Smart Card Idustry Guide

114 114 Smart Card Applicatios Start date: Jauary 1997 ad cotrollig physical access to facilities ad offices. It also serves as a CashCard - Sigapore s electroic purse operated by NETS, the Network for Electroic Trasfers (Sigapore) - so the card ca be used to credit moetary awards which ca be withdraw at ay CashCard termial or CashCard-eabled ATM. Card details: Card fabricator: Gemplus Techologies Asia; umber issued: 300,000 Cotact: Chou Fag Soog, Gemplus Techologies Asia Tel: Fax: Govermet Project ame: Tarjeta de la Seguridad Social Espaola (TASS) Locatio: Spai Service Provider(s): Applicatio: Start date: Card details: Cotact: Tesorería Geeral de la Seguridad Social (Geeral Treasury of Social Security) Curretly, the largest multi-applicatio Smart Card iitiative i the world, combiig several govermet programmes o the same card icludig pesios, uemploymet isurace ad health isurace. The system also uses figerprit techology to esure that idividuals are ot issued with more tha oe card. The project wo the Outstadig Smart Card Applicatio Award for 1996 sposored by the US Smart Card Idustry Associatio ad preseted at the aual CardTech/SecurTech Coferece i the Uited States. Pilot project Jue 1994 i the Córdoba Provice of Adalusia Card fabricator: Spaish State Mit, FNMT (Fabrica Nacioal de Modeda y Timbre); card memory: 3K bytes EEPROM; umber issued: 800,000 i two provices of Spai. Plas call for a further 37 millio cards to be issued at a rate of 5 to 7 millio per year. Jesús Merio Salmeró, Tesorería Geeral de la Seguridad Social, Madrid, Spai - Tel: Fax: Healthcare Project ame: Belgia Social Service Card Locatio: Belgium Service Provider(s): Applicatio: Mutualites Belges I a joit project with the govermet, Mutualites Belges, represetig the seve big Belgia isurers who maage state ad persoal healthcare programmes, is lauchig a Smart Card-based social service card. The GPM (Gemplus Protected Memory) cards will cotai the isured persos ame, address, social ID umber The Iteratioal Smart Card Idustry Guide 1997 / 98

115 Smart Card Applicatios 115 Start date: December 1997 ad the ame of the healthcare isurer. Iitially the card will be used simply for idetificatio, but later may be used to eable doctors to issue electroic prescriptios. Suppliers: Card details: Gemplus Card fabricator: Gemplus; card memory: GPM 1K ad 8K bytes EEPROM; umber issued: 10.5 millio by mid Cotact: Hyde de Koeig, Gemplus Belgium - Tel: Fax: Healthcare Project ame: Sésam / Vitale Programme Locatio: Frace Service Provider(s): Applicatio: The Sesam / Vitale Groupemet d Itéret Ecoomique (GIE) represetig the Natioal Salaried Employees Health Isurace Fud (CNAMTS), the Natioal Idepedet Professios Health Isurace Fud (CANAM), the Social Agricultural Mutual Isurace Cetral Fud (CCMSA), the Natioal Uio of Special Regimes (UNRS), the Farmers Health Isurace Groupig (GAMEX), the Health Isurace Fud for Miisters of Religio (CAMAC), the Civil Servats Mutual Isurace Fud (MFP). The health professioals are represeted by the Natioal Cetre of the Medical Professios (CNPS). Frace is startig to roll-out its Sésam / Vitale programme i which the etire populatio will receive a family healthcare card before the ed of 1998 ad the a idividual card before the ed of Based o the secure exchage of electroic data betwee healthcare professioals ad the compulsory ad complemetig social isurace orgaisatios, the Vitale card cotais the ame of the perso isured, social security umber, idetity of beeficiaries, type of social security cover, social security fud, basic cover ad complemetary cover if applicable, rate of reimbursemet. This iformatio eables immediate registratio of the patiet s etitlemets ad electroic trasmissio of the treatmet form. The card for idividuals will be a techically ehaced secod geeratio card with icreased memory which will iclude a medical sectio carryig data cocerig the patiet s medical history, emergecy data (blood group, ame of GP etc) ad iformatio o recet treatmets. Start date: Suppliers: Card details: Followig several trials which started as far back as 1986, atioal roll-out will be i two stages. The etire populatio of Frace will receive - a family card before 31 December 1998 ad the a idividual card before the ed of Ascom Moétel - Twi 10 itelliget card readers for healthcare professioals ad 5,000 cosultatio statios for use by the public. Dassault Automatismes et Telecommuicatios - Smart Card readers for healthcare professioals. Cards beig supplied by Schlumberger, Bull SA-ORGA, CP8 Oberthür ad Solaic; 1997 / 98 The Iteratioal Smart Card Idustry Guide

116 116 Smart Card Applicatios umber beig issued - 12 millio family cards i These cards will be replaced with 55 millio idividual cards by the year Cotact: Philippe Bedere, GIE - Tel: +33 (0) Fax: +33 (0) Healthcare Project ame: DENTcard Locatio: Germay Service Provider(s): Applicatio: A joit project betwee ACG/DENTcard GmbH, IZB (a group of detists i the Brühl area) ad ORGA Kartesysteme GmbH. The trial of a patiet iformatio system based o Smart Cards is iteded to assess the opportuities, effects ad risk of a patiet card system. The objective is to improve the exchage of iformatio betwee patiets, detists, detal laboratories ad suppliers of detal material. The card stores the patiet s detal iformatio, risk factors, therapy, treatmet ad materials used for a better quality of maagemet. Security of the data is provided by a detist/patiet card system with DES authorisatio, or alteratively by a PIN, so that oly the detist or patiet ca access the iformatio usig a MCT (Multifuktioal Card Termial) i the detal practice. Operatig software is Widows-compatible. Start date: September 1996 Suppliers: Card details: DENTcard GmbH ad ORGA Kartesysteme GmbH Chip maufacturers: various; chip referece: ICC 6.1; card fabricator: ORGA Kartesysteme; card memory: 8K bytes; umber issued: 500. Cotacts: Has-Joachim Scholz, DENTcard - Tel: Fax: ad Dr Heier Gröewald, ORGA Kartesysteme - Tel: Fax: Healthcare Project ame: Koblez Patiet Data Card Locatio: Germay Service Provider(s): Applicatio: Kasseärztliche Vereiigug Koblez für die kasseärztliche Versorgug i Germay ad the Budesvereiigug Deutscher Apothekerverbade A patiet data card is beig piloted i two Germa cities - first i Neuwied, a couty seat ear Koblez with some 50,000 ihabitats, 100 private practice physicias ad 25 pharmacies; ad the i Aderach, a city roughly the same size as Neuwied. Described as a model project, it will test the techical, orgaisatioal as well as the cotractual, logistic ad data protectio problems related to patiet cards i Germay. (Germay already has a statutory Health Isurace Card with a memory chip cotaiig oly basic, statutorily prescribed iformatio such as ame, address of the isured, health isurace umber, birth date ad the expiry date of the card.) I cotrast, the patiet data card should The Iteratioal Smart Card Idustry Guide 1997 / 98

117 Smart Card Applicatios 117 Start date: Ed of 1995 evetually cotai all of a isured idividual s relevat medical iformatio such as chroic diseases, completed operatios, cotiuous medicatios ad allergies. I additio to givig health care professioals access to basic health status iformatio ad o-goig medicatio, the card ca eable a quick respose to a patiet s eeds i a emergecy situatio. It will also carry iformatio o the patiet s primary care physicia ad who to otify i a emergecy. The card is oly available o a volutary basis ad the isured perso has to formally give writte coset to the capture of iformatio o the patiet card. Suppliers: Card details: Cotact: Gemplus ad Kroe - card reader termials Chip maufacturers: Siemes ad SGS-Thomso; chip referece: SLE 44C80 ad ST16F48; card fabricator: Gemplus; card memory: 8K bytes EEPROM; umber issued: 2,000 Dr Gerhard Breer, Zetralistitut für die Kasseärzliche Versorgug i der Budersrepublik Deutschlad - Tel: Fax: Healthcare Project ame: Germa Health Isurace Card Locatio: Germay Service Provider(s): Applicatio: Head associatios of the statutory health isurace scheme All people covered by the statutory health isurace scheme i Germay have bee issued with a Health Isurace Card which is primarily a paymet card ad cotais basic details to facilitate paymet for health services provided to the isured perso. The card cotais the ame of the isurace compay, the ame, status, address, health isurace umber ad date of birth of the isured perso, ad a validity time. Start date: 1 April 1993 Card details: Chip maufacturers: various; card fabricators: various; umber issued: more tha 78 millio Cotact: Peter Alpma, Gemplus Germay - Tel: Fax: / 98 The Iteratioal Smart Card Idustry Guide

118 118 Smart Card Applicatios Retail Project ame: Cliique I Touch Locatio: Caada ad Demark Service Provider(s): Applicatio: Estee Lauder Customer loyalty programme for the cosmetics compay Estee Lauder which they are pilotig i 12 stores i Toroto, Caada, ad six stores i Demark. Iformatio stored o the chip icludes the customer s ame, accout umber, profile iformatio ad beauty cocers such as wrikles ad ski type. Customer beefits are a more persoal ad efficiet service. The compay ca target specific groups, for example those who listed dry ski as a cocer were mailed details of a product which may improve their coditio. Start date: 1996 Suppliers: Card details: Smart Card Solutios - system desig. De La Rue Smart Cards - card reader termials Chip maufacturer: SGS-Thomso; chip referece: ST16601; card fabricator: Solaic; card memory: 1K bytes; umber issued: 15,000 Cotact: William Biwer, Smart Card Solutios - Tel: Fax: Retail Project ame: Post Office 2000 Locatio: Demark Service Provider(s): Applicatio: Post Demark Opeed i the Daish capital of Copehage, the first Post Office 2000 features a self-service commuicatio wall makig the followig services available - payphoe, facsimile, stamp postage machie, persoal computer (to access the Iteret) ad photocopyig machie. Paymet is made usig the DANMØNT electroic purse card. Durig 1997 the system is beig istalled i up to 20 major Post Offices throughout the coutry. Start date: August 1996 Suppliers: Card details: Cotact: All equipmet supplied by Logos Desig, Copehage See DANMØNT etry uder Electroic Purses Heig N. Jese, Maagig Director, DANMØNT - Tel: Fax: The Iteratioal Smart Card Idustry Guide 1997 / 98

119 Smart Card Applicatios 119 Retail Project ame: Loyalty Card of Muret Locatio: Frace Service Provider(s): Applicatio: Muret tow Igeico Data Systems (IDS) has desiged a system to revitalise city cetres ad iject ew life ito local shops with a card which ca support customer loyalty poits ad also a electroic purse which ca be reloaded by bak card at selfservice termials or i shops.. Start date: November Suppliers: Igeico Data Systems (IDS) - system developmet, termials (ELITE 500), customer activated kiosks (Elite 840, software, microprocessor cards ad system security through the Totally Secure Chai). Card details: Cotact: Chip maufacturer: Solaic/Schlumberger; chip type: pocket book; card fabricator: Solaic/Schlumberger; card memory; microprocessor; umber issued: 8,000 Geeviève Puig, Commuicatio Maager IDS - Tel: +33 (0) Fax: +33 (0) Retail Project ame: Area Card Locatio: Netherlads Service Provider(s): Applicatio: Amsterdam Area A prepaid, disposable Smart Card used at the Amsterdam Area, a multifuctioal stadium o the outskirts of the city capable of hostig football matches (seatig capacity early 45,000), pop cocerts (audieces of 70,000) ad eve weddigs. The Area Card was itroduced to esure better security ad to icrease the speed of trasactios i shops, bars, restaurats ad parkig areas. It ca be purchased from ay oe of 50 dispeser machies i values of 10, 25 ad 50 guilders. The cards have become collectors items ad desigs have featured football players ad sigers Michael Jackso ad Tia Turer. The Smart Card reader is battery operated ad ca be programmed with the time ad date of ay evet, makig it impossible for the reader to accept trasactios outside this set time. The readers ca also read the other two mai chip cards i the coutry - ChipKip, the atioal electroic purse issued by the baks, ad Chipper issued by ING Bak ad Postbak. Start date: September 1996 Suppliers: SCas - system developer Card details: Chip maufacturers: various; chip type/referece umber: various, for example Philips T104 ad Siemes SLE4433; card fabricator: Philips; umber issued: 400,000; future total expected i the millios / 98 The Iteratioal Smart Card Idustry Guide

120 120 Smart Card Applicatios Cotact: Gerga Apeldoor, Marketig Maager, SCas Fax: Retail Project ame: Edah ChipCard Locatio: Netherlads Service Provider(s): Applicatio: 315 Edah supermarkets throughout The Netherlads Customer loyalty scheme i which cardholders receive each week large reductios o a variety of a-brads ad private label goods. Through usage of the multifuctioal touch scree system, the CardBox, customers ca chage address, check their loyalty poits, play games ad beefit from five offers which, based o their historical buyig patter, will have persoalised loyalty poits collected o the card which ca be redeemed to buy a wide variety of i-store goods or redeemed for cash at 50 per cet of omial value. Start date: Natioal roll-out from 9 August 1997 Suppliers: Card details: RIVA ad Certec - system desig ad cash registers. Commotio - CardBox. Omro - card reader termials Chip maufacturer: Siemes; card fabricator: Schlumberger; card memory: 1K bytes EEPROM; umber issued: up to 4,000 i pilot. Evetually the Edah ChipCard will replace all the 1.4 millio barcode cards distributed atioally. Cotact: Jaap Rieter, Marketig Maager, Edah - Tel: Fax: Retail Project ame: ChiaTrust Hag Te Visa Chip Locatio: Taiwa Loyalty Specificatios Pilot Service Provider(s): Applicatio: Visa Iteratioal i partership with ChiaTrust Commercial Bak ad Hag Te Eterprises Ltd Pilot of the specificatios which will assist Visa Members i itroducig chip card loyalty programmes compatible with the EMV (Europay, MasterCard ad Visa) stadard for global iteroperability of chip cards. The ChiaTrust Hag Te Visa pilot will itroduce several of the capabilities of the Visa Chip Loyalty Specificatio, icludig istat rewards accumulatio equal to five per cet of ay purchase amouts at a Hag Te store, automatic redemptio of up to 10 per cet o ay purchases made at a Hag Te store, poit accumulatio based o both trasactio amouts ad frequecy of purchases, detailed cardholder statemets ad a uique customisatio providig cardholders with a extra discout o their birthdays. I additio to a record of trasactios, cardholders mothly statemets will The Iteratioal Smart Card Idustry Guide 1997 / 98

121 Smart Card Applicatios 121 Start date: 29 July 1997 iclude a balace of poits awarded ad redeemed i the curret moth. The card s aual fee is o differet from that of a ordiary card ad, as a special icetive, cardholders who were bor o 10 October (Taiwa Natioal Day) have the aual fee waived for life while cardholders bor o the 10th of ay other moth will ejoy the waiver of the first year s aual fee. Oce the card is issued, all cardholders are awarded with bous poits equal to the aual fee ad a NT$500 cash voucher (US $18.50). Suppliers: Card details: Cotact: Hypercom Asia - system developmet ad card reader termials. Chip supplier: Gemplus; chip type: proprietary; card fabricator: Gemplus; card memory: 2K; umber issued: 50,000 Jeff Perlma, Regioal Marketig Commuicatios Maager, Emergig Products, Visa Iteratioal Asia-Pacific - Tel: Fax: Retail Project ame: Boots Advatage Card Locatio: Uited Kigdom Service Provider(s): Applicatio: Start Date: Card Details: Boots The first High Street chai to choose Smart Cards for a loyalty card i the UK. Cardholders will be able to collect oe poit with every 25 pece spet i Boots chemist stores. These poits will the be redeemable agaist items listed i a special Advatage Card Guide. Pilot i Plymouth ad Norwich - September Natiowide rollout - August 1997 Chip maufacturer: Siemes; chip referece: SLE 4443; card fabricator: GPT Card Techology (80% of cards) ad Gemplus (20%); card memory: 2K bits of secure memory; umber to be issued: over six millio. Cotacts: GPT Press Office - Tel: +44 (0) David Close, Marketig Commuicatios, Siemes plc - Tel: +44 (0) Fax: +44 (0) ; Tamsy Creek, Gemplus - Tel: +44 (0) Fax: +44 (0) / 98 The Iteratioal Smart Card Idustry Guide

122 122 Smart Card Applicatios Retail Project ame: SMART Locatio: Uited Kigdom Service Provider(s): Applicatio: Start date: Suppliers: Card details: Shell UK ad a cosortium of retailers The biggest Smart Card customer loyalty scheme i the UK with over four millio cards issued at the ed of Aimed iitially at Shell customers to ear SMART poits or collect Air Miles whe buyig approved products at Shell service statios, the scheme was greatly expaded i early 1997 whe a umber of major retailers joied the scheme. They iclude Dixos, Currys, Victoria Wie, Visio Express, Joh Mezies ad The Lik as well as Commercial Uio, the RAC, Hilto Hotels ad Shell itself. Customers usig the card i ay of the member outlets are awarded poits which ca be redeemed as discouts o goods ad services at ay participatig retailer. Shell expects other parters to joi the scheme. By brigig the earig ad spedig of poits together i a large group of compaies, the cosortium has made the card highly attractive ad take the oe card for everythig cocept a major step forward. The cosortium aims to hadle 70 per cet of the average cosumer s regular purchases by givig the customers a sigle card that ca be used to shop, bak, make phoe calls ad collect loyalty poits ad Air Miles, with other potetial uses still available. Lauched i Scotlad i July 1994 ad atioally i October Joh Mezies joied the scheme ad lauched the scheme i over 200 of its stores i Major expasio early 1997 with the formatio of a cosortium of retailers ad other orgaisatios joiig. De La Rue Smart Cards: termials Chip maufacturer: /a; card fabricator: Gemplus (GPM896 card); umber issued: over four millio. Cotact: Dil Patel, Marketig Maager, Shell UK - Tel: +44 (0) Fax: +44 (0) Telecommuicatios Project ame: GSM (Global System for Mobile Commuicatios) Locatio: Worldwide Service Provider(s): Applicatio: Some 240 members of the GSM MoU Associatio i 109 coutries Smart Cards are used as SIM (Subscriber Idetity Module) cards i cellular phoes. They are supplied i full ID-1 size or as plug-i SIMs ad provide the authority to use the etwork ad be billed for the calls. A large market is also developig for prepaid cards which provide a cellular phoe service with o subscriptio ad o mothly bill while elimiatig subscriptio fraud. It also brigs wireless commuicatios to customers who might otherwise be barred as a credit risk. Start date: First etwork wet live i The Iteratioal Smart Card Idustry Guide 1997 / 98

123 Smart Card Applicatios 123 Card details: Chip maufacturers: Hitachi, Motorola, Philips, SGS-Thomso, Siemes ad Texas Istrumets; card fabricators: CP8 Trasac, Giesecke & Devriet, Gemplus, ODS R. Oldebourg Datesystems, ORGA Kartesysteme, Philips, Schlumberger Electroic Trasactios, Solaic; card memory: ormally up to 8K bytes EEPROM but 16K bytes EEPROM ow available; umber of (SIM) cards issued: aroud 50 millio. Number of subscribers predicted to icrease to 150 millio i year Cotact: Mary Kig, GSM MoU Associatio - Tel: Fax: Trasport: Automatic Fare Collectio Project ame: Travel Card Locatio: Filad Service Provider(s): Applicatio: Helsiki Metropolita Area Coucil Major Smart Card-based travel card project i Helsiki for buses, trams, udergroud ad local trais of the Fiish State Railways ad ferries. Whe completed the system will comprise of approximately 2,500 card readers, 1,500 ticket issuig machies, 100 ispector termials, 35 depot systems ad about 320 card chargig ad ticket sales systems. I additio, the systems will be supplemeted with automatic equipmet for the sale ad rechargig of cards. The scheme will be itroduced ito the public trasport system of the greater Helsiki area i two phases. First, the equipmet will be istalled i the vehicles so that the sales of sigle tickets ca be started i the summer of The travel cards will be itroduced a year later. Start date: October 1998 Suppliers: Card details: Olivetti SpA ad a cosortium headed by Olivetti s Fiish subsidiary, Olivetti Oy - system supply, icludig vedig machies, computers, project maagemet ad maiteace. Buscom Oy - ticket issuig machies, proximity readers ad Smart Cards. Wester Systems Oy ad TT-Ticto Oy - system software. Chip maufacturer: Pocak (Filad); chip referece: ID 9050B; card fabricator: Gemplus; card memory: 1K bit; plaed card issue: 300,000 rechargeable proximity (cotactless) cards ad 500,000 prepaid cotact Smart Cards (ordered for lauch) Cotact: Veli Heikkie, Maagig Director, Buscom Oy - Tel: Fax: Mobile: Trasport Project ame: FAHRSMART Locatio: Germay Service Provider(s): Applicatio: Tows of Lueeburg ad Oldeburg Ulike other ticketless travel schemes, the FAHRSMART Smart Card bus travel card is used oly for idetificatio ad passegers pay for their joureys mothly / 98 The Iteratioal Smart Card Idustry Guide

124 124 Smart Card Applicatios I other schemes the paymet is deducted immediately from the card, but i the FAHRSMART system, cardholders make a cotract with the bus operator, allowig the operator to charge the customer s bak accout oce a moth. Cardholders pay DM10 for the card - reimbursed if the card is retured. If the passeger wishes to remai aoymous he/she ca obtai a prepaid card but oly 1.5 per cet of passegers are usig this optio. I October 1995, the bus operators itroduced cotactless Smart Cards to speed boardig times. O eterig the bus, the passeger iserts his card ito the reader or holds it close to the reader i the case of a cotactless card. The card umber is checked ad the the card umber ad bus locatio (buses are equipped with a positioig system), time, bus route ad bus umber are stored o the o-board computer as well as o the card i order to eable ticket ispectors usig had held readers to cofirm that the user has checked i. Before leavig the bus, the cardholder agai iserts his card at the reader ad the procedure is repeated as the system does ot differetiate betwee checkig-i ad checkig-out. Data stored i the o-board computer is trasmitted to the cetral computer via ifra-red trasmissio while the bus is beig refuelled i the bus depot. New data is later trasferred to the bus for example, bus routes for the ext day ad white ad black lists. At the ed of the moth, the fare to be paid is calculated via best price i.e. the cost of a mothly pass is the highest amout to be paid ad charged to the cardholder s bak accout. I the case of prepaid cards, calculatios are doe each day i order to advise users whe aother card is required. Sice October 1995, the secod developmet lie (cotactless MIFARE cards) have bee implemeted i Oldeburg. At the momet both systems ru parallel. It is plaed to substitute the first geeratio (cotact) cards with secod geeratio cotactless cards i 1998 Start date: Suppliers: Card details: September 1990 i Lueeburg ad September 1991 i Oldeburg N/a Chip maufacturer: Siemes (for cotactless MIFARE cards); card fabricator: Giesecke & Devriet; card memory: 1K bytes EEPROM; umber of cards issued: 7,000 i Lueeburg ad 14,000 i Oldeburg Cotact: Dr Heio Nuppau - Tel: Fax: Trasport: Automatic Fare Collectio Project ame: Moscow Metro AFC Project Locatio: Russia Service Provider(s): Applicatio: Moscow Metro A automated fare collectio system capable of hadlig both cotactless Smart Cards ad magetic stripe cards to improve fare collectio, reduce fraud ad hadle the icreasig volume of passeger joureys, curretly at three millio per day. I the first phase, 153 Metro statios will be equipped with two modified gates i each hall (240 etrace halls). The umber of gates fitted for the ew automated system will evetually icrease to eight per hall. The V3000 uits will The Iteratioal Smart Card Idustry Guide 1997 / 98

125 Smart Card Applicatios 125 be istalled o the existig turstiles, with magetic stripe tickets beig used for sigle, multiple-ride tickets ad mothly passes. Metro staff will be the first to use the cotactless Smart Cards. It is plaed to itroduce poit of sale equipmet at Metro statios to dispese magetic tickets ad add value to Smart Cards. Start date: Suppliers: Card details: Cotact: Ed Phase I AES Prodata (Belgium) SA (a subsidiary of ERG Ltd., Australia) V3000 combied magetic ad cotactless Smart Card readers, barriers, o-statio computers, a data collectio ifrastructure maagemet system ad card persoalisatio ad issuig system. N/a; umber of cards to be issued; /a. Torbe Nielse, AES Prodata - Tel: Fax: Mobile: Trasport: Automatic Fare Collectio Project ame: Seoul Bus Card Project Locatio: South Korea Service Provider(s): Applicatio: Seoul Bus Uio Curretly the largest cotactless Smart Card electroic ticketig system i the world it ivolves all 8,725 buses i Seoul beig equipped with cotactless card readers to replace the traditioal paymet o buses by tokes purchased from booths located ear most bus stops. Fares, which deped o the card type (adults, studet, etc.) are deducted automatically ad the cards ca be purchased ad reloaded with value either at bus toke distributors or i uiversity campus stores. The cards are available i three deomiatios - Wo 5,000, Wo 10,000 ad Wo 20,000. Plas call for the sales etwork to be expaded through subway statios, baks ad post offices ad to istall card vedig machies. To ecourage the rechargig ad re-use of the cards, customers rechargig their cards receive a five per cet bous credit. The system eables maagemet to track, record ad aalyse treds i reveue per bus or per route, ad speed boardig times as customers o loger have to fumble for cois as the card ca be kept i a wallet ad ca be read at a operatig distace of up to 10 cms from the card validator o the bus. The scheme has bee exteded to Kyug Ki Provice where a additioal 4,300 buses have bee equipped with cotactless card termials. There are plas to exted the system to iclude Seoul Subways to achieve a ticketig system compatible with the Seoul Bus Uio ad operatioal tests are curretly takig place. It is plaed to iclude additioal fuctios o the card, for example, as a ID card by Ah Yag city officers, a electroic purse i co-operatio with Lucky Goldstar Credit Card Corporatio s LG Credit Card, ad as a customer loyalty card. Accumulated 500 millio trasactios March July Average 2.6 millio trasactios per day. Start date: Field trial i October Roll-out started Jue / 98 The Iteratioal Smart Card Idustry Guide

126 126 Smart Card Applicatios Suppliers: Card details: INTEC Ltd - system itegrator. Mikro/INTEC - card reader termials Chip maufacturer: Mikro; card fabricator: Gemplus; umber issued: Four millio cards at July 1997 Cotact: Mr Ah, INTEC Ltd - Tel: /4112. Fax: Trasport: Automatic Fare Collectio Project ame: Lodo Trasport Prestige Project Locatio: Uited Kigdom Service Provider(s):. Applicatio: Lodo Trasport Prestige is a ew automatic ticketig system for Lodo Udergroud ad Lodo buses which is likely to use cotactless Smart Cards. Curretly, egotiatios are takig place with TraSys - a cosortium of EDS (Electroic Data Systems) Ltd., ICL Eterprises, Cubic Corporatio ad W S Atkis Cosultats Ltd - to assess if a cotract ca be awarded. Iitially, Lodo Trasport (LT) expected bids from four private sector cosortia but oly the TraSys bid reached the table. As this Guide was goig to the priters, LT emphasised that it had ot yet awarded a cotract for Prestige ad that a decisio was ot expected before October Prestige aims to give LT s customers a ticketig system that is quick, coveiet ad easy to uderstad while providig improved iformatio about customers ad their travel patters ad reducig ticket fraud. By usig Smart Cards, there will also be a opportuity to itegrate the ticketig system with products from other orgaisatios. TraSys plas to ivest 180 millio i a private fiace partership with LT. All of Lodo Udergroud s 273 statios will be fitted with the latest gatig techology, ew passeger operated ticket sellig devices with touch scree, multiligual iterfaces ad, i the ticket offices, ew tills to allow a wider rage of paymet methods. All 6,000 Lodo buses, operated by over 40 idepedet compaies, will be equipped with ew ticketig machies, ad there will be a iterface with British Rail. Start date: Not yet decided. Cotact: Grizelda Hafter, LT Prestige Project - Tel: +44 (0) Fax: +44 (0) Trasport: Electric Cars Project ame: Praxitele Locatio: Frace Service Provider(s): Applicatio: Cosortium of CGEA, EDF, Reault, Dassault Electroique, GTIE, SOBEA ad two Frech atioal research istitutes (INRIA ad INRETS) A ew type of trasport service usig mass-produced electric cars. Users subscribe to the service ad use a cotactless Smart Card, the Praxicarte, to gai etry to the The Iteratioal Smart Card Idustry Guide 1997 / 98

127 Smart Card Applicatios 127 car by holdig the card ear a exteral reader; eablig the car by isertig the card ito a secod reader ad keyig i a PIN; ad payig for usage. Drivers pay accordig to how log they keep the car with rates varyig depedig o the time of day. These charges are billed every moth. Drivers must retur the cars to a Praxiparc. Removig the card immobilises the car. Start date: Suppliers: October 1997 i Sait Queti e Yvelies, ear Paris Dassault Electroique - card readers, o-board electroics. GTIE: cetral maagemet. Card details: To be aouced. Number to be issued i October - 2,000 Cotact: Marc Guasch, Dassault Electroique - Tel: +33 (0) Fax: +33 (0) Trasport: Ticketless Air Travel Project ame: America Express Corporate Card Locatio: USA Service Provider(s): Applicatio: America Airlies ad America Express Test of Smart Card ticketig to speed passeger boardig of America Airlie s aircraft. Whe a passeger makes a flight reservatio the iformatio is dowloaded from a computer to the Smart Card. Travellers the check i usig the Smart Card at the airlie desk ad ca proceed directly to the gate for boardig. The passeger iserts the Smart Card ito a reader, receives cofirmatio of seat assigmet ad is ready to board the aircraft. The pilot scheme is the first commercial Smart Card applicatio by America Express. I the test, cards have bee issued to selected employees of both compaies ad Smart Card readers have bee istalled i 21 US airports. Start date: December 1996 Suppliers: Card details: Cotact: Iformatio ot provided Chip maufacturers: Motorola ad SGS-Thomso; card fabricator: IBM (Multi- Fuctio Smart Card) subcotracted out. Christie Levite, America Express, USA Tel: Deborah Siegel, IBM, USA Tel: Trasport: Parkig Project ame: Smart Park Locatio: Israel Service Provider(s): Applicatio: Developmet, maufacturers ad service providers A I-Vehicle Parkig Meter (IVPM) system ow eterig the commercial phase 1997 / 98 The Iteratioal Smart Card Idustry Guide

128 128 Smart Card Applicatios Start date: 1991 after pilot testig i Tel Aviv, Haifa, Netaya ad Beer Sheba as well as i Volos (Greece), Hamilto (Caada) ad Padova (Italy). Smart Park cosists of a portable parkig meter device which looks like a pocket calculator, a Smart Card ad proprietary software to ru the system. The parkig uit attaches to the iside of the car ad displays the park time ad specific parkig zoe data. The meter is activated by a prepaid Smart Card with a preset umber of parkig hours. The driver simply activates the meter which automatically deducts the amout of parkig time used. The iformatio stored o the card is fed ito a computer which divides the reveue betwee the appropriate parkig authorities. The meter uit is protected by the user s persoal password ad the card is kept i the driver s wallet while parkig. Suppliers: Card details: Gais Smart Park System - system developmet Chip maufacturers: Motorola, Philips ad SGS-Thomso; card fabricators: Gemplus ad Philips; umber issued: 20,000. Cotact: Zvi Gaot, Gais Smart Park Systems Tel: Fax: Trasport: Road Tollig Project ame: UK Motorway Tollig Locatio: Uited Kigdom Service Provider(s):. Applicatio: UK Departmet of Trasport Trial Private techical trials of two road toll systems took place i early 1997 at the UK Govermet s Trasport Research Laboratory, at Crowthore, Berkshire, Eglad. Iitially eight cosortia were ivited to take part, but oly two - headed by Bosch ad GEC-Marcoi - decided to proceed to the first trial stage. Both systems tested are microwave systems usig cotactless Smart Cards for the automatic collectio of toll charges from vehicles o the move. The Bosch cosortia comprises ANT Bosch (Germay), Brow ad Root Civil (UK), Cetre-File (UK), EDS (US/UK), Post Office (UK), Modex (UK) ad Sytegra (UK). The other cosortia brigs together GEC-Marcoi (UK), Lockheed IMS (USA/UK) ad Sytegra. At the time of goig to the priters, the Departmet of Trasport was assessig the results of the trials ad said a aoucemet would ot be made before the Autum o whether or ot to proceed with a secod stage trial o a UK motorway. Start date: Early Suppliers: Cosortia as above. Cotact: Departmet of Trasport Press Office - Tel: +44 (0) The Iteratioal Smart Card Idustry Guide 1997 / 98

129 Directory of Compaies 129 A-Z of Maufacturers Suppliers ad Service Providers 1997 / 98 The Iteratioal Smart Card Idustry Guide

130 130 Directory of Compaies A ABB Meterig Systems Limited Stoefield Works, Oulto Road, Stoe, Staffordshire, ST15 0RS, UK Tel: +44 (0) Fax: +44 (0) Maagig Director: H Amari Smart Card cotact: David White, Product Maager ABB Meterig Systems Limited desigs ad maufactures a rage of electromechaical ad electroic electricity meters for domestic ad idustrial applicatios. Products iclude Smart Card pre-paymet systems for electricity, water ad other utility supplies such as gas ad heat. WATERCARD Budget Paymet System ABB Meterig Systems provide a complete prepaymet solutio for water utilities. This uses a Smart Card to trasfer credit, meter readigs ad other iformatio betwee a paymet termial ad uit located i the customer s home. Sice the Smart Cards are uiquely idetified to each customer, the system provides a secure method of reveue collectio ad eables full traceability of paymets. I additio, the system allows the home uit to be cofigured, ad provides for automatic updates of tariffs. A cliet server software package is available which collects records from paymet termials, admiisters the system, produces maagemet iformatio ad iterfaces ito accoutig systems. The system is also suitable to provide pre-paymet fuctioality for other utility supplies such as electricity, gas ad heat. ACC Log Distace UK Ltd St Adrew s House, 59 St Adrew s Street, Cambridge, CB2 3BZ, UK Tel: +44(0) Fax: +44(0) Smart Card cotact: Dave Toombs, Equipmet Services Maager ACC Log Distace UK is part of ACC Corporatio, a publicly owed telecommuicatios busiess based i Rochester, New York, USA. ACC compaies i the UK, US, Caada ad Australia provide log distace telephoe services to may thousads of customers i busiess, educatio, health ad the home. Sice ACC was formed i 1982, the Corporatio s aual reveues have grow to over $300 millio per year, makig it the largest idepedet log distace carrier i the orth easter Uited States ad secod i the Caadia market. The compay hadles aroud oe billio billable miutes of call traffic every year. As a progressive extesio to the core busiess ACC has become ivolved i the private supply of payphoes which add value to its existig services. It has a agreemet with Ascom Nordic to supply, istall ad maitai the chip card phoe type GNT 809 i the UK ad Eire. GNT 809 Payphoe Offers the use of both prepaid chip cards usig ISO stadard 7810 ad 7813, ad ISO read-oly magetic cards. The GNT 809 is lie powered for coectio to Direct Exchage Lies ad ca also be coected to extesio ports of most PABXs. It utilises the Siemes SLE4406 EEPROM 104 bit device to secure closed user group applicatios which requires oly a 5V DC supply to all operatios. With the additio of the Payphoe Maagemet System, ACC ca offer cotrol of a etwork of payphoes. The Iteratioal Smart Card Idustry Guide 1997 / 98

131 Directory of Compaies 131 Advaced Cards Iteratioal Corporatio Suite 201, 5311 Lae Street, Buraby, British Columbia V5H 2H4, Caada Tel: Fax: Web site: Maagig Director: Elmer K Sum Marketig Director: Ms. Susaa Lo Smart Card cotact: Ms. Susaa Lo Advaced Cards Iteratioal Corporatio (ACI) specializes i Smart Card systems ad products. A software developmet ad systems itegratio compay, it provides turkey Smart Card solutios to meet customer-specific eeds ad objectives. Applicatio developmet areas iclude: access cotrol, educatio facilities, etertaimet, healthcare, idetificatio (ID), loyalty programs, paymet, telecommuicatios ad trasportatio. ACI cotiues to establish strategic busiess relatioships with major Smart Card maufacturers i North America ad the Pacific Rim regio, providig cost-effective, complete turkey system solutios i cotact, cotactless ad combi card projects. ACI is actively establishig a firm presece i the North America ad Asia Pacific markets. SERVICES Complete Smart Card turkey solutios with focus i trasactio processig applicatios, such as paymet, healthcare, toll collectio, campus utilizatio ad loyalty program systems. Advaced Electroics Ltd Uit 910, 9/F, Block B, Po Lug Cetre, 11 Wag Chiu Road, Kowloo Bay, Kowloo, Hog Kog Tel: Fax: Maager Techical Marketig: Chadwick Wog Advaced Electroics Ltd. (AEL) was icorporated i 1985 ad is active i three busiess lies: 1) authorized distributor of Motorola Semicoductors i Chia; 2) hardware ad software desig ad developmet services with focus o microcotroller applicatios; ad 3) desig of hardware ad software for Smart Card products ad as a distributor of Smart Card related equipmet. AEL also acts as a Smart Card systems itegrator. REFERENCES Motorola awarded AEL the title Distributor of the year 1994 i Asia-Pacific for its busiess performace based o the high quality of its customer service ad techical competece. As a distributor of well kow brads of Smart Card products ad as a techical parter, AEL is maitaiig cotacts to a large umber of promiet istitutios ad busiesses i Hog Kog ad Chia, icludig large maufacturers, major baks ad govermet orgaisatios. AND SERVICES AEL desigs ad markets hardware ad software for Smart Card applicatios. Its rage of products ad services iclude: Smart Cards ad card operatig systems Card readers ad card iterface modules Card persoalisatio systems Card acceptig termials icludig applicatio specific software Smart Card coectors Desig of specialized Smart Card equipmet e.g Smart Card operated utility meters Cosultacy ad feasibility studies o Smart Card systems 1997 / 98 The Iteratioal Smart Card Idustry Guide

132 132 Directory of Compaies AES Prodata 151 Bruel Road, Uit 18, Mississauga, Otario, L4Z 2H6, Caada Tel: Fax: Presidet: Paul Gooderham Smart Card cotact: Floyd Diaz A member of the ERG Group of compaies, AES Prodata is a hardware ad software supplier of advaced electroic ticketig, fare collectio systems ad ticket vedig machies. Supported fare media iclude cotact ad cotactless proximity Smart Cards. DF-1000 Operator Cosole Rager Portable Ticket Issuer/Smart Card Reader Presidet:Yaki Margalit Smart Card cotact: Dov Sharo Vice-Presidet of Smart Card Products Tel: Fax: Aladdi Kowledge Systems is a global leader i iformatio security ad distributio, as well as advaced solutios for software developers. Aladdi develops, maufactures ad markets proprietary iformatio security, developmet ad distributio systems. These iclude HASP ad Hardlock which combie hardware ad software to prevet uauthorized use of computer programs, ad ASE (The Aladdi Smartcard Eviromet), a itegrated toolkit for developig PC-based Smart Card applicatios. Aladdi, a public compay, curretly has five iteratioal offices complemeted by a etwork of distributors i over 40 coutries. DF-3000 Passeger Smart Card Processor DF-4000 Smart Card Ticket Issuer. AFC Systems AES Prodata supplies AFC systems worldwide with Smart Cards as the re-usable fare media. REFERENCES Go Trasit ad Pacific Wester located i Toroto, Caada GMPTE Machester, UK ADO i Mexico City, Mexico Egyptia Natioal Railway, Cairo, Egypt Aladdi Kowledge Systems Ltd 15 Beit Oved Street, PO Box 11141, Tel Aviv, 61110, Israel Tel: Fax: Web site: www: ASEDrive Pro Smart Card drive Well coected - PC iteral ad exteral, serial ad parallel ports Secure - Secod card slot or SIM socket for autheticatio ad security Fast - PC-drive commuicatio speed up to 115 Kbps O time - Real Time Clock for e-commerce or digital sigature Kow its cards - multi-protocol support (T=1; T=14) Ready for the future - PC/SC ready ASESoft software library for Smart Cards Versatile - support most Smart Card types Powerful - both high level API ad ISO support Cofigurable - scripts to cofigure ASEDrive for particular applicatios O/S savvy - support Widows NT, 95.DOS The Iteratioal Smart Card Idustry Guide 1997 / 98

133 Directory of Compaies 133 ASECards Memory, CPU ad cryptographic cards support ASECrypto optioal cryptographic library RSA (1024), DES, Triple DES ad more compatible with Microsoft PC/SC cryptographic tools REFERENCES 20,000 customers ASESoft provides a itegrated programmig eviromet for all your Smart Card applicatios. With its library of software iterfaces ad utilities, ASESoft secures the vital commuicatios lik betwee the Smart Card ad the software. Ad ASESoft s commo API makes it easy to itegrate differet types of Smart Cards ito the applicatio. ASESoft, support DOS, Widows, ad Widows 95 ad most popular programmig laguages ad compilers, such as compilers. PC/SC support will be released shortly. ASEDrive is a versatile Smart Card drive. By supportig virtually every stadard CPU ad memory Smart Card, ASEDrive provides a sigle solutio for all Smart Card drive eeds. ASEDrive features a advaced high-security architecture, as well as special persoalizatio features that safeguard data itegrity. Ad ASEDrive s multiple power- source ad PC coectio optios make life easier for cliets. The ASE system offers a wide selectio of Smart Cards for various eeds ad fuctios. The ASECard rage icludes CPU, memory, ad protected-memory cards, with 8K bytes of iteral read/write EEPROM memory. Cryptography capable microprocessor Smart Cards are also available. Samples of these cards are icluded i the ASE Developer s Kit. Algorithmic Research Ltd 15 Gush Etzio Str, Givat Shmuel, Israel Tel: Fax: Maagig Director: Gil Corbora Smart Card cotact: Yossi Coge A itelliget Smart Card reader for PCs ad workstatios which performs DES ad RSA iterally away from the user s computer. A optioal add-o to ay software applicatio. Smart Card based pay-tv security. Smart Card projects: Electroic Road Pricig (ERP), electroic purses etc. RSA Smart Card. Alps Electric (Irelad) Ltd Clara Road, Millstreet Tow, Co. Cork, Irelad Cotact: Richard O Reilly Tel (Irelad): Tel (UK): +44 (0) Mobile: Alps Electric (Irelad) Ltd is a divisio of the Alps Corporatio of Japa - a leadig maufacturer of electroic compoets with aual sales of excess of $4b. Sice the establishmet of Alps i Irelad i 1988, sales of the compay s computer peripheral products have made it a major player i the computer peripherals market i Europe. Alps have lauched a rage of computer keyboards which have itegrated Smart Card read / write, magetic card reader, touchpad poitig device, cheque reader, plus barcode reader ports ad programmable key optios. If your comapy is ivolved i a iterestig Smart Card applicatio tell us about it ad we will report it i Smart Card News ad may iclude details i the ext editio of the Iteratioal Smart Card Idustry Guide. Cotact the publishers Smart Card News Ltd. Tel: +44 (0) Fax: +44 (0) / 98 The Iteratioal Smart Card Idustry Guide

134 134 Directory of Compaies Amazig Cotrols! Ic Wyatt Drive, Sata Clara, CA 95054, USA. Tel: Fax: Presidet: B K Marya Vice Presidet Worldwide Sales: Thoms Dola US³ Ic. Europe Divisio, Litto House, Buckigham Street, Aylesbury HP20 2LL, UK Tel: +44 (0) Fax: +44 (0) Europea Sales Maager: Terece Warmbier Smart Cards microprocessor secure memory memory Smart Card readers Module Maufacturig Custom silico Software Card persoalisatio Card mailig Microprocessor ACOS01-XXL ACOS42-XXL ACOS48-XXL ACPIC8-XXL ACPIC16-XXL ACLON1-XXL ACDVK1-XXL ACDVK8-XXL ACDVK16-XXL Product Descriptio 1K byte multi-file card with DES ecryptio 2K byte, Operatig System - SCOS, DES ecryptio 8K byte, Operatig System - SCOS, DES ecryptio Field Programmable, RISC Processor with Secure Harvard Architecture Field Programmable, RISC Processor with additioal 16K bit EEPROM Neural Networkig, Field Programmability, LoTalk commuicatio portocol 3K byte multi-file Smart Card 10K byte multi-file, multichip Smart Card 18K byte multi-file, multichip Smart Card Readers ACR200 ACR300 ACR ACR300 ACR300 ACR300 Memory ACM202-XXL ACM204-XXL ACM216-XXL ACM264-XXL ACM2256-XXL ACM301-XXL ACM302-XXL ACM304-XXL ACM401-XXL Product Descriptio 2K bit, 12C Bus, Serial Memory 4K bit, 12C Bus, Serial Memory 16K bit, 12C Bus, Serial Memory 64K bit, 12C Bus, Serial Memory 256K bit, 12C Bus, Serial Memory 1K bit, 3 wire Bus, Serial Memory 2K bit, 3 wire Bus, Serial Memory 4K bit, 3 wire Bus, Serial Memory 1K bit, 4 wire Bus, Serial Memory Readers ACR100 ACR100 ACR100 ACR100 ACR100 ACR100 ACR100 ACR100 - The Iteratioal Smart Card Idustry Guide 1997 / 98

135 Directory of Compaies 135 Memory ACD032-XXL ACD033-XXL ACD204-XXL ACD301-XXL ACD302-XXL ACD304-XXL ACF015-XXL ACF016-XXL ACL102-XXL ACL256-XXL ACL404-XXL Product Descriptio 256 x 8bit EEPROM with programmable write/erase protectio for first 32 bytes Access cotrolled 256 x 8bit write/erase protectio for first 32 bytes Password Access Cotrolled documet comprised of four 128 x 8bit files 1K bit secure documet with 3 wire Bus 2K bit secure documet with 3 wire Bus 4K bit secure documet with 3 wire Bus uit 1st geeratio EEPROM with 96 bit fuse protected memory area 256 bit 1st geeratio EEPROM with 96 bit fuse protected memory area 1024 bit EEPROM cofigured as two 512 x 1 bit memory areas - trasport, lock up 256 bit EEPROM with sequetial read register ad permaet or temp. write protectio 416 bit EEPROM - fuse protected 192 bit security uit ad 208 bit cofigurable memory Readers ACR100 ACR100 ACR100 ACR100 ACR100 ACR100 ACR100 - ACR100 ACR100 ACR100 America Cash Card Corporatio 211 East 51st Street, New York, NY 10022, USA Tel: Fax: Presidet: Victor Alves Systems itegrator ad developer of Smart Card applicatios i mass trasportatio, parkig, fast food ad telecommuicatios. America Magetics Corporatio 740 Watsoceter Road, Carso, CA , USA Tel: Fax: Web site: Geeral Maager: Bill Rorick Smart Card cotact: Marti Guille Europea Address: Uit 7B, Beta Close, Tewkesbury, Glos, GL20 8HB, UK Tel: +44 (0) Fax: +44 (0) Smart Card cotact: Steve Poulsto Leadig maufacturer of card readers ad termials. Specialisig i vadal resistat OEM isert readers for public termial applicatios ad desktop peripherals for bakig ad POS applicatios. A divisio of DH Techology Ic., Sa Diego. OEM Isert Readers A comprehesive rage of vadal resistat readers, from low cost Smart Card coectors to readers with o-board itelliget paymet systems. Providig Smart Card, magstripe ad hybrid versios, multiple optios are available to meet all teder requiremets. Heads, ASIC s ad Swipe Readers A rage of high specificatio heads, ASICs ad swipe readers for multiple applicatios / 98 The Iteratioal Smart Card Idustry Guide

136 136 Directory of Compaies Desktop Peripherals A comprehesive rage of desktop Smart Card/magstripe reader/writers to meet the requiremets of the POS ad bakig markets. AMMI - America Microdevice Maufacturig, Ic A, Berig Drive, Sa Jose, Califoria 95112, USA Tel: Fax: Smart Cards, develops Smart Card operatig systems, markets Smart Cards ad related products worldwide, offers a lie of reader/writers (had held or fixed formats) ad offers artwork ad pritig services. REFERENCES With Smart Cards as its core busiess, AMMI has already established itself as a global supplier, servig customers i the Americas, Asia, Europe, Africa ad Australia, supplyig the telecommuicatios, bakig, travel, trasportatio, health ad etertaimet idustries. Web site: Presidet: Alex Giakoumis Director of Marketig ad Sales: Joh Sprigett Smart Card cotact: Mario Neves-Price America Microdevice Maufacturig, Ic is i the busiess of maufacturig ad marketig Smart Cards with systems itegratio developmet. AMMI is a major US Smart Card compay with their global headquarters i the Silico Valley Cards AMMI maufactures ABS (Acryloitrate Butadiee Styree) cards. Smart Card Devices Serial EEPROM, secure memory ad prepaymet, secure telephoe ad vedig prepaymet, microcotrollers, cotact / cotactless ad cotactless Smart Cards. SERVICES AMMI helps selectig the IC (the egie) that will best fit the customer s applicatio, maufactures Ampheol-Tuchel Electroics GmbH Europe: August-Häusser-Strasse 10, Heilbro, Germay Maagig Director: Udo Naujoks Smart Card cotact: Ulrich Lieb Tel: Fax: A world leader i itercoects, Ampheol icludes Smart Card Coectors i its product rage. C702-1 Stadard Smart Card Coectors Suitable Smart Cards to ISO , ISO ad/or CP8 positio; card hadlig: push-push, push-pull, push-matic, push-lift, push-press, push-oly; cotact type: ladig cotacts; applicatios: vedig, POS, access cotrol, meterig. C702-2 Smart Card Coectors, Small Style Suitable Smart Cards to ISO , ISO ad/or CP8 positio; card hadlig: push-pull; cotact type: ladig cotacts; applicatios: had-held istrumets, phoes. C702-3 Smart Card Coectors, Superflat Style Suitable cards: Smart Cards to ISO , ISO ad/or CP8 positio; card hadlig: push-pull; The Iteratioal Smart Card Idustry Guide 1997 / 98

137 Directory of Compaies 137 cotact type: ladig cotacts; applicatios: hadheld equipmet, mobile phoes, POS Smart Card Coectors for PCB moutig - Slidig Cotacts Suitable cards: Smart Cards to ISO , ISO ad/or CP8 positio; card hadlig: push-pull; cotact type: slidig cotacts; applicatios: TV decoders, cosumer products, parkig meters. C702-5 Smart Card Coectors for PCB moutig - Ladig Cotacts Suitable cards: Smart Cards to ISO , ISO ad/or CP8 positio; card hadlig: push-pull; cotact type: ladig cotacts; applicatios: hadheld termials, parkig meters. C702-6 ROBUSTO Suitable cards: depedig o Smart Card Coectors used; card hadlig: depedig o Smart Card Coectors used; cotact type: depedig o Smart Card Coector used; applicatios: idustrial, autical, access cotrol. C703 Hybrid Reader Suitable cards: Smart Cards to ISO , magetic stripe cards acc. to ISO 7810; card hadlig: push-pull; cotact type: ladig cotacts; applicatios: POS, vedig, payphoe. C705-1 Smart Card Iterface Set Suitable cards: Smart Cards to ISO ; card hadlig: push-pull; cotact type: ladig cotacts; applicatios: developmet of chip card systems. C705-2 Smart Card Termial Suitable cards: Smart Cards to ISO ; card hadlig: push-pull; cotact type: ladig cotacts; applicatio: for coectio to a PC. C705-3 Assemblies for 3.5 ad 5.25 disk drive slots Eable spare disk drive slots to use a Smart Card Coector so that Smart Card applicatios ca be directly itegrated ito a PC. C707-1 Miiature SIMLOCK Suitable card: SIM-card; card hadlig: push pull; cotact type: ladig cotacts; applicatios: mobile phoes, pagers, PDAs, palmtops, otebooks. C707-2 Miiature SIMBLOCK Suitable cards: Smart Cards to ISO , SIMcard; card hadlig: push pull; cotact type: slidig cotacts; applicatios: mobile phoes, pagers, PDAs, palmtops, otebooks. C708 Motorised Card Readers Suitable cards: Smart Cards to ISO ; card hadlig: automatic card hadlig; cotact type: ladig cotacts; applicatios: bakig, vedig, access cotrol. AMTEC Cosultig Ltd Log Garde Walk, Farham, Surrey, GU9 7HX, UK Tel: +44 (0) Fax: +44(0) Web site: Maagig Director: Mike Wilso Marketig Director: Russell Wolak Smart Card cotact: Charles Holliday, Busiess Developmet Maager AMTEC Cosultig Ltd is a comprehesive source of busiess cosultacy ad iformatio systems expertise coverig all project phases from strategic plaig to post-implemetatio review. Its cliets iclude blue chip orgaisatios i bakig ad fiace, cetral govermet ad defece, maufacturig, media ad leisure. SERVICES Systems Developmet: desig, programmig, testig ad implemetatio of Smart Card software. Techical authority: focal poit for techical expertise o may aspects of Smart Card systems icludig systems architecture, desig methodology, device desig, commuicatios, host iterfaces ad ICC techologies / 98 The Iteratioal Smart Card Idustry Guide

138 138 Directory of Compaies Type approval: evaluatio ad type approval of Smart Card devices such as electroic purses, readers, wallets, retail termials, telephoes ad other devices. Supplier liaiso: assessmet ad selectio of the may suppliers of Smart Cards ad associated Smart Card products. Security: defiitio of strategy, project structure ad operatioal measures for the overall security package; risk assessmet of the UK ad iteratioal operatioal schemes; developmet ad documetatio of the overall security policies, practices ad procedures; specificatio of iterbak fraud idetificatio ad cotaimet measures. AMTEC Cosultig offers maagemet ad IS / IT cosultacy ad hads-o support services i both the public ad private sectors, ad combies extesive use of idepedet cosultats with a purpose built i-house maagemet ad techical ifrastructure. REFERENCES AMTEC has provided developmet ad techical skills ad expertise to Modex Iteratioal, the worldwide marketig orgaisatio for the Modex Smart Card solutio. Agewadte Digital Elektroik GmbH (ADE) Ecksweg 4, D Dassedorf, Germay Tel: Fax: Maagig Director: Has Diedrich Kreft Marketig Maager: Uwe Wittig Fouded i 1978, ADE holds more tha 40 patets i the field of Smart Cards, especially CombiCards. ADE looks for parters, to promote ad licese the patets, for example, CLM CombiCard Licese Marketig GmbH, the ADE- Gemplus joit veture to promote ad licese the CombiCard patets. Applied Commuicatios Ic, Ltd 59 Claredo Road, Watford, Herts WD1 1LA, UK Tel: +44 (0) Fax: +44 (0) Web site: Maagig Director: Tom Boje Marketig Director: Michael Carter Smart Card cotact: Richard Crooksto Software solutios for Smart Cards, electroic purse schemes, credit/debit, authorisatio, switchig, data collectio ad distributio. Applied Commuicatios Ic (ACI) is a subsidiary of Trasactio Systems Architects, Ic. Trasactio Systems software facilitates electroic paymets by providig cosumers ad compaies access to their moey. Its solutios are used o more tha 2,500 product systems i 68 coutries. ACI has provided solutios for may chip card systems, usig its BASE24-pos ad BASE24- IfoBase products, eg Visa Cash, Modex ad the atioal Germa GeldKarte scheme. ACI sells ad supports its products ad services through three chaels: the Americas, Europe/Middle East/Africa ad Asia/Pacific. Headquartered i Omaha, Nebraska, the Americas divisio is resposible for sales ad support throughout North ad South America ad has The Iteratioal Smart Card Idustry Guide 1997 / 98

139 Directory of Compaies 139 brach offices i Brazil, Caada ad Mexico. The Europe/Middle East/Africa divisio, which is headquartered ear Lodo, Eglad, has brach offices i Norway, Germay, Bahrai, South Africa ad Italy. The Asia/Pacific divisio is headquartered i Sigapore ad has brach offices i Japa, Malaysia, Hog Kog ad Australia. BASE24 BASE24, a itegrated set of software solutios for missio-critical paymets systems, provides a comprehesive set of features ad fuctios desiged for reliability, scalability, flexibility ad availability. BASE24, which rus o Tadem fault-tolerat computers, acquires, routes, authorizes, clears ad settles trasactios iitiated at ATMs, poit of sale etworks, maed teller systems ad home or remote bakig systems (e.g., at telephoes ad PCs). Trasactios may ivolve credit cards, debit cards, Smart Cards, cheques or wire trasfers. NET24 NET24 is a set of message-orieted middleware products for missio-critical systems. NET24 solutios provide prove message itegrity, highperformace message delivery ad system tools for operatios ruig multi-vedor computig eviromets. BASE24-pos BASE24-pos provides fiacial istitutios with completely automated ad cetralized EFT paymet services for authorizig, capturig ad processig debit ad credit trasactios at the poit of sale, icludig bak credit, proprietary credit, travel ad etertaimet credit ad direct debit cards, ad ACH debit (where applicable). It also supports additioal paymet systems such as cheque authorisatio ad cheque guaratee. BASE24 Visa Cash BASE24 Visa Cash is a set of BASE24-atm addo modules that support stored-value iitiatives by allowig cosumers to add or load value o reloadable chip cards. BASE24 autheticates ad authorizes the trasactios. BASE24-IfoBase BASE24-IfoBase collects, distributes ad processes a variety of data i fiacial ad retail orgaizatios. IfoBase icludes the followig modules: IfoBase File Trasfer is a system desiged to service the demad for cotrolled collectio of trasactios, icludig EFT paymets ad distributio of operatioal data, such as software dowloads to paymet termials, ATMs ad brach cotrollers. IfoBase EFT is a data maipulatio ad maagemet applicatio for credit, debit ad electroic purse paymet trasactios. It provides validatio of trasactios, error correctio, data extracts by scheme or acquirer, ad maagemet reportig. Additioal systems maipulate merchadise ad product iformatio. IfoBase HLMS permits users to cosolidate ad maage multiple hot lists from a variety of sources ad produce prioritized edited lists i differet formats for distributio to EFTPOS termials, ATMs ad other paymet systems. IfoBase Software Maager releases ad cotrols the distributio of files to a wide variety of remote devices. It removes the eed to have multiple, or eve maual, distributio methods for graphics, software ad price files to EFTPOS termials, ATMs or PCs i retail ad bakig etworks. BASE24-debit/credit BASE24-debit/credit provides fiacial istitutios with completely automated ad cetralized EFT paymet services for authorizig, capturig ad processig debit ad credit trasactios at the poit of sale, icludig bak credit, proprietary credit, travel ad etertaimet credit ad direct debit cards, ad ACH debit. It also offers support for additioal systems such as cheque authorisatio ad cheque guaratee. BASE24-GENcard BASE24-GENcard is a modular set of applicatios that meets the card processig requiremets of fiacial istitutios i emergig card markets. It is marketed to baks eterig the card busiess or brigig small card portfolios i-house from a bureau / 98 The Iteratioal Smart Card Idustry Guide

140 140 Directory of Compaies GENcard icludes the followig modules: GENcard Plastic provides the fuctios required to maage the process of issuig cards, allowig the user to quickly defie, develop, lauch ad maage ew card products. GENcard Merchat provides the fuctios that help establish ad maage the bak s relatioship with its merchats. Users ca defie a variety of commercial terms, cotract with acceptors, acquire trasactios from ad settle with merchats of a variety of card ad scheme types. GENcard Private Label allows ew card products to be developed quickly. Product types ca be defied by selectig debit or credit optios with a appropriate level of iterest rates, trasactio charges ad service fees. GENcard Iteratioal provides the additioal fuctios eeded to process iteratioal paymet cards, icludig the iterfaces to allow iterchage of trasactios via Europay ad Visa. Applied Systems Istitute, Ic K Street NW, Suite 400, Washigto DC 20005, USA Tel: Fax: Marketig Maager: Thomas Rupert A leadig US systems itegrator providig Smart Card based systems - otably the peaut marketig Smart Card oe of the earliest US Smart Card projects with some 200,000 cards issued to date. Other systems implemeted have bee i healthcare, social beefits, trasportatio, fiace, loyalty, military mobilisatio, security access ad persoal ID areas. Cliets iclude the US Federal govermet, state govermets ad fiacial istitutios. Ascom Autelca AG Worbstrasse 201, CH-3073 Gumlige-Bere, Switzerlad Tel: Fax: Maagig Director: Dr Fritz Gatert Tel: Fax: Kurt Leueberger: Head of Divisio Tel: Fax: Rolad Greuter (Ticket Vedig Systems) Tel: Fax: Ascom Service Automatio comprises the Paysys, Publicom, Vedomatio ad Mailsys operatioal divisios. Ascom develops, maufactures ad sells high-tech automated service termials ad service automatio systems. Publicom s field icludes payphoes ad associated maagemet systems; Vedomatio covers ticket vedig, iformatio ad parkig systems; Paysys deals with EFT ad cash hadlig for baks ad the retail trade ad Mailsys is cocered with frakig machies. Ascom s Frech subsidiary Ascom Moétel SA has take over Great Nordic Commuicatios (GNC) which specialises i payphoes ad EFTPOS systems ad was part of the Daish GN Great Nordic Group. Ticket Vedig Machies B8040/B8050/B8060 Self-service TVMs for short or log distace traffic applicatios. Areas of applicatio: Far East, North America, Europe, Australia. Features: card reader for magetic, chip or watermark magetic cards. Cotact: Vedomatio. B8070/B8080 Self-service TVMs with PC based scree. Areas of applicatio: Far East, North America, Europe, Australia. Features: accepts debit, credit or stored value cards, validator, card dispeser. Cotact: Vedomatio. The Iteratioal Smart Card Idustry Guide 1997 / 98

141 Directory of Compaies 141 FDP Ticket Priter Had-held ticket priter with touch scree keyboard. For use by trasport compaies, police, traffic wardes. Areas of applicatio: Switzerlad, Austria, Belgium, Hollad. Features: chip card plug for 64K bit ad for a bar-code reader, recordig all sales o chip card. Cotact: Vedomatio. Ascom CML reader Used i retail machies operatig with differet cashless paymet systems, public payphoes, ticket vedig machies, cash poits, EPOS termials, fillig statios, gamblig machies, access cotrol ad security systems. The CML reader ca process all chip cards made to ISO ad AFNOR stadards. TelcaStar Duet/TelcaStar Card Public telephoes. The Duet accepts cois ad cards ad offers differet readers for processig Smart Cards, magetic stripe or watermark magetic cards, or a combied reader to deal with all three. TelcaStar Card accepts cards oly. Ca be coected to a maagemet system (MEMO) for idepedet trasmissio of evet messages or to receive operatig parameters. Remote programmig. Cotact: Publicom. See Ascom Moétel SA for other products, fiacial trasactios, fuds trasfer, etc. Ascom Elsydel SA 63 Boulevard Bessières, BP 13107, Paris Cedex 17, Frace. Tel: +33 (0) Fax: +33 (0) Maagig Director: Yves Peurière Ascom Elsydel is a Ascom subsidiary ad closely liked with Ascom Moètel as its activities are complimetary (parkig, toll collectio etc.). See followig etry. Ascom Moétel SA Rue Claude Chappe, BP344, 07503, Guilherad- Grages, Frace Tel: +33 (0) Fax: +33 (0) Maagig Director: Jea-Michel Segui Executive Director: Jea-Claude Lasserre (payphoe activity) Executive Director: Yves Peurière (Electroic paymet ad reveue collectio activities) Ascom Moétel is a subsidiary of Ascom, Switzerlad, ad is active i the payphoe market sector with payphoes ad associated operatig systems. It has itself take over Great Nordic Commuicatios (GNC) which specialises i payphoes ad EFTPOS systems. Ascom Moétel is a leadig maufacturer of Smart Card payphoes. The compay also maufactures Reveue Collectio Systems such as public trasport, parkig ad toll collectio systems based o magetic, radio frequecy ad microwave techologies. REFERENCES Payphoe activities: Telmex (Mexico), Deutsche Budespost, Frace Telecom, Hugaria Telecommuicatio, Tuisia Telecommuicatios, Algeria Miistry of PTT, Morocco PTT, Ivory Coast PTT, Moaco Office des Téléphoes, Telecom Argetia, Telecom Eirea, Televerket Norway. Cashless Trasactios Systems ad Termials (Electroic Paymet): several Frech baks, icludig Crédit Lyoais, Crédit Agricole, Société Géérale, Shell Frace, Nokia Data, Siemes-Nixdorf. Reveue Collectio: Public trasport systems - Adelaide, Paris, Lyo, Marseille, Toulouse, Barceloa, Porto, Lille, Mexico, Nacy, RATP, SNCF, Vevey-Motreux / 98 The Iteratioal Smart Card Idustry Guide

142 142 Directory of Compaies Parkig Systems: the majority of US airport car parks, Lodo Heathrow ad Gatwick, Frakfurt airports, urba car parks worldwide. Toll collectio systems: Bagkok Expressway (Thailad), Ohio Turpike (USA), Turkey s motorways, Tacarville ad Normady bridges, all Frech motorway etworks. IPT 400/IPT 700 Smart Card Payphoes IPTi 400 Smart Card idoor Payphoes EFT 10 4th Geeratio EFT Termial Features optioal Smart Card reader ISO 7816 to hadle 100,000 isertios; secod Smart Card reader ISO ,000 isertios. Ascom Nordic AS Park Allé 295, DK-2605, Brødby, Demark Tel: Fax: Maagig Director: Prebe Klemp Smart Card cotact: Prebe Klemp Daish subsidiary of Ascom Moétel (part of Ascom of Switzerlad). REFERENCES DANMØNT Project, Scadiavia Telecoms. GNT 807 Chip Card Public Payphoe Desiged to use stadard chip cards accordig to ISO EPROM ad EEPROM. Features a card reader tested for more tha 300,000 operatios. Compatible with PMS 200. PMS 200 Card ad Trasactio Maagemet System Offers a comprehesive list of features that eables the PTT to efficietly cotrol idividual cards, card series, card areas, blacklists ad trasactios i a payphoe system operatig with cards. Asgard Parc doctivites Pu Corvette, 142 á176 Aveue de Staligrad, Colobes, Frace Tel: +33 (0) Fax: +33 (0) Smart Card cotact: Patrick Schiltz, Maagig Director Asgard was fouded i 1990 to develop Smart Card applicatios i the Frech ad Europea security market. It offers solutios for the access cotrol market ad three priciple lies of Smart Card readers, each of which accepts sychroous or asychroous cards without programmig voltage. Memory Cards GPM bits EEPROM; GPM bits EEPROM. Applicatios: Access.Gard 1, Lock.Gard, Tras.Gard, OEM.Gard. Microprocessor Cards COS16K - 8 bit Micro, 16,384 bits EEPROM. Chip operatig system. DES optio. Applicatios: Access.Gard 2, Tras.Gard, OEM.Gard. Card readers Access.Gard 1 off-lie readers work with memory cards ad are programmed with a pass card. Suitable for small or medium sites, the system ca be expaded by addig ew readers, each of which recogises a maximum of 1,000 cards. Access.Gard 2 off-lie readers work with microprocessor cards ad are associated with Gosoft software which is istalled o a PC with two card readers. A master card programmed with Gosoft is iserted to program authorised categories ad subcategories, dates ad hours, public holidays ad a list of lost or stole cards. User cards are programmed with Gosoft with persoal iformatio. Iteded for small or medium sites or compaies, the reader fuctios ca be expaded to iclude time maagemet of employees, paymet for meals, use i vedig machies ad photocopiers. The Iteratioal Smart Card Idustry Guide 1997 / 98

143 Directory of Compaies 143 Tras.Gard trasparet readers are iteded for large structures which eed a cetralised security system maagig several applicatios at the same time. These might iclude telesurveillace/remote moitorig, fire detectig ad access cotrol. Tras.Gard readers are trasparet i that they read ad sed Smart Card data without chagig it ad ca be coected to all cetralised systems, replacig ay sort of readers without particular modificatios to the software of the mai security system. They ca work with memory cards or microcotroller cards ad are desiged for wholesalers, itegrators ad distributors i order to eable them to use a Smart Card solutio. Electroic lock SECURI.GARD - desiged for both maufacturers ad systems itegrators who are developig security, moey trasactio ad validatio applicatios, or where cotrol over portable data is required. It allows the itegratio of a Smart Card iterface by implatig a microcotroller overlay ad a umber of peripheral electroic compoets. The overlay is desiged for 8051 microcotrollers ad cotais iterface software for microprocessor cards, memory cards ad for a rage of security software. OS.GARD - real-time portable multi-taskig operatig system which itegrates complex Smart Card applicatios o to equipmet usig 8051 microcotrollers. Modular i desig, it cotais idepedet drivers to adapt to the simplest or most complex system requiremets. All programmig ca be carried out i assembler or C, ad developmet time for Smart Card or other applicatios ca be accelerated usig the DS GARD developmet tool. OS.Gard/DS GARD developmet package allows OS.GARD to be used uder DOS to test those parts of the applicatios writte i C ad ca also be used to coect a Smart Card scaer to a PC by simulatig the target system iterfaces. Eco-Gard is a Smart Card-based system to optimise garbage collectios ad recyclig of materials. It eables idetificatio, emptyig ad weighig of the cotaiers ad the processig of data. Aspects Software Ltd 39 Haover Street, Bearlord House, Ediburgh EH2 2PJ, Scotlad Tel: +44 (0) Fax: +44 (0) Web site: Maagig Director: Neil Stewart Marketig Maager: Hele Lodge Smart Card cotact: Hele Lodge, Marketig Maager Aspects are based i Ediburgh, Scotlad, sellig their product SmarTest worldwide. They are experts regardig the card termial iterface. Their expertise origiates from ivolvemet with GSM mobile telephoy ad sittig o ETSI stadards bodies. With the emergece of the use of Smart Cards across other idustry sectors, Aspects are gaiig expertise of Smart Cards i other idustry sectors particularly fiace. SmarTest SmarTest allows the user to itercept iformatio at the iterface betwee a real card ad real termial, ad also offers simulatio of both card ad termial for modellig, testig ad developmet purposes. SmarTest gives users a sigificat cofidece boost that the products ad services they are providig are of the utmost quality ad thus givig them a competitive advatage over o-smartest users. SmarTest is a vital tool for ay compay ivolved i the developmet of ISO cards, termials or applicatios. It is beig used i the fiace sector by the likes of Visa Iteratioal, APACS ad Modex, as well as by the majority of GSM operators ad maufacturers / 98 The Iteratioal Smart Card Idustry Guide

144 144 Directory of Compaies REFERENCES Aspects customer list icludes: Fiacial Istitutios: Barclays Bak, UK Citicorp TTI, USA Lloyds-TSB, UK. NatWest Developmet Team (Modex), UK Visa Iteratioal, UK Visa Iteratioal, UK ad USA GSM/PCS1900/DCS1800 Mobile ad Satellite Network Operators: America Persoal Commuicatios, USA Belgacom, Belgium Cellet, UK Comsat Satellite Comms, USA E-Plus, Germay Eircell, Irelad Frace Telecom, Frace Guadog Mobile Commuicatios, Chia Maesma Mobilfuk, Germay Mercury Oe2Oe, UK Omipoit Corporatio, USA Orage PCN, UK PacBell, USA PTT Telecom, Netherlads SFR, Frace T-Mobil, Germay Telecom Filad, Filad TeleDamark, Demark Telia Mobitel, Swede Vodacom, South Africa Vodafoe, UK Vodafoe, Australia Card Maufacturers G&D America, USA Gemplus, Frace Giesecke & Devriet, Germay GPT Card Techology, UK Icard, Italy Schlumberger, Frace Vero, Italy Termial Maufacturers Dacall, Demark Ericsso, USA Ericsso, Swede Keycorp, Australia Mars Electroics Idustries, UK NEC Satellite Comms, Japa NEC GSM, UK NEC Satellite Comms, USA Orbitel Mobile Commuicatios Ltd, UK Phillips TCMC, Germay Rockwell, USA Siemes Wireless, USA Siemes, Germay Associatio for Paymet Clearig Services (APACS) Mercury House, Trito Court, 14 Fisbury Square, Lodo EC2A 1BR, UK Tel: +44 (0) Fax: +44 (0) Cotact: Richard Tyso-Davies Tel: +44 (0) Fax: +44 (0) APACS was set up by the major UK baks i 1985 to oversee the operatio ad developmet of the UK paymet clearigs. It curretly has a project team developig the ifrastructure to allow chipbased credit, debit ad ATM cards to be itroduced i the UK. Public trials of chip cards, termials, host systems ad etworks will commece o 1 October 1997 i two tows. Followig these trials, it is expected that a decisio o atioal roll-out will be made i the summer of The progressive itroductio of ew techology will the commece at the decisio of idividual card issuers ad acquirers. Microexpert Ltd ca custom desig ad maitai websites for your compay. Please see their advert o page 278. The Iteratioal Smart Card Idustry Guide 1997 / 98

145 Directory of Compaies 145 Atmel Corporatio 1150 E. Cheyee Moutai Boulevard, Colorado Sprigs CO 80906, USA Tel: Fax: Smart Card cotacts: Jea Pierre Behammou (Secure Memory) Kerry Maletsky (RFID) Tel: Chistia Fleutelot (Secure Processors) Tel: +33 (0) Atmel Corporatio is a maufacturer of IC card chips with operatig compaies i the UK, Germay, Frace, Hog Kog, Japa, Sigapore ad Korea. Its products are desiged ad maufactured i the US ad Frace. RF ID ASICs combie aalogue circuitry digital logic ad o-volatile memory o a sigle chip ad are targeted at applicatios such as road pricig, parkig, mass trasit ad access cotrol. Number Orgaisatio Voltage Descriptio AT88SC x 1 3-6V 1K bit Serial EEPROM with security, oe 1024-bit memory zoe AT88SC102 2(512 x 1) 3-6V 1K bit Serial EEPROM with security, two 512-bit memory zoes AT88SC103 2(512 x 1) 3-6V 1.5K bit Serial EEPROM with security, three 512-bit memory zoes AT88SC x 1 3-6V 16K bit Serial EEPROM with 1,000 gates of logic available for persoalisatio AT88SC x 1 3-6V 16K bit Serial EEPROM with security i oe zoe AT88SC x 4 3-6V 16K bit Serial EEPROM with security i four 4096 bit zoes Serial EEPROMs Number Orgaisatio Voltage Descriptio AT24C x V 2-wire, 1K bit Serial EEPROM AT24C x V 2-wire, 2K bit Serial EEPROM AT24C x V 2-wire, 4K bit Serial EEPROM AT24C x V 2-wire, 8K bit Serial EEPROM AT24C x V 2-wire, 16K bit Serial EEPROM AT24C32 64 x V 2-wire, 256K bit Serial EEPROM AT24C x V 2-wire, 64K bit Serial EEPROM AT93C46 64 x 16/128 x V 3-wire, 1K bit Serial EEPROM AT93C x 16/256 x V 3-wire, 2K bit Serial EEPROM AT93C x 16/512 x V 3-wire, 4K bit Serial EEPROM 1997 / 98 The Iteratioal Smart Card Idustry Guide

146 146 Directory of Compaies Cotact Card ICs - Stadard Products Part Number Orgaisatio Voltage Descriptio Availability AT24C01A 128 x V 2-wire, 1K bit Serial EEPROM NOW AT24C x V 2-wire, 2K bit Serial EEPROM NOW Serial E 2 PROMS AT24C x V 2-wire, 4K bit Serial EEPROM AT24C x V 2-wire, 8K bit Serial EEPROM AT24C x V 2-wire, 16K bit Serial EEPROM AT24C x V 2-wire, 32K bit Serial EEPROM AT24C x V 2-wire, 64K bit Serial EEPROM AT93C46 64 x 16/128 x V 3-wire, 1K bit Serial EEPROM AT93C56/ x 16/256 x V 3-wire, 2K bit Serial EEPROM AT93C x 16/512 x V 3-wire, 4K bit Serial EEPROM NOW NOW NOW NOW NOW NOW NOW NOW AT88SC x 1 3-6V 1K EEPROM with security, oe 1024-bit zoe NOW Secure Memory ICs AT88SC102 2 (512 x 1) 3-6V AT88SC103 3 (512 x 1) 3-6V AT88SC (16K x 1) 3-6V 1K EEPROM with security, two 512-bit zoes 1.5K EEPROM with security, three 512-bit zoes 16K EEPROM with security, oe 16K bit zoe NOW NOW NOW AT88SC (4K x 1) 3-6V 16K EEPROM with security 4K bit zoe NOW Microprocessor ICs Part Number Flash E 2 PROM RAM Availability AT89SC202 2K bytes 256 bytes 128 bytes NOW AT89SC402 4K bytes 256 bytes 128 bytes NOW AT89SC81 8K bytes 1K bytes 256 bytes NOW AT89SC164 16K bytes 4K bytes 256 bytes NOW AT89SC168 16K bytes 8K bytes 256 bytes NOW Christia Fleutelot (33) Cotactless (RFID) Card ICs - Custom ASICs Atmel will combie cells for specific ad/or proprietary applicatios Memory Desities Digital Logic Aalog Elemets Desig Methodology Availability 256 bits to 16K bits 0 to 20K Gates Microcotrollers Cryto processor AVR RISC processors RAM/ROM Logic Stadard Cells Badgap Referece Voltage Regulator Full Wave Bridge Phase Locked Loop Turkey COT NOW Kerry Maletsky (719) The Iteratioal Smart Card Idustry Guide 1997 / 98

147 Directory of Compaies 147 AU-System Box 47612, S Stockholm, Swede Tel: Fax: Maagig Director: Ulf Jostrõmer Smart Card cotact: Lea Eskilsso Tel: Fax: AU-System is a cosultacy compay specialisig i data ad telecommuicatios ad is the leadig Smart Card system itegrator i Swede. It sells Smart Cards from most suppliers ad is workig particularly i PC-LAN security ad GSM-SIM persoalisatio software. Avi-BoKS A security system desiged for stadaloe Persoal Computers ad PCs i Local Area Networks (LANs), termial emulatio to host computers ad cliet/server eviromets. The solutio is also suitable for desktop ad portable computers. Authorised users are give a Smart Card ad a persoal password ad all log-i procedures are hadled by the card i iteractio with the local access cotrol system. A card reader is coected to each PC, either built-i or exteral. Autheticatio of users is carried out by the target computer sedig a radom umber which the Smart Card ecrypts with its uique secret RSA key. The result of the ecryptio process is set back to the target computer for checkig. There is automatic shut-dow if the card is withdraw from the reader while work is i progress ad after a set period of iactivity by the user. Boot protectio prevets access to iformatio o the hard disk if booted from a floppy. A optioal module is available to provide protectio agaist uauthorised moitorig of a local area etwork or a remote coectio by ecryptig all commuicatio with the target computer. There is also a optioal module for digital sigature to check that a documet has ot bee chaged ad also the idetity of the perso who siged the documet. The system uses the Philips DX, 2K bytes EEPROM Smart Card i cojuctio with ay of the followig card readers - Philips PE112, Gemplus GCR200 ad Schlumberger SCR60. Product released Jue The volume for 1995 was approximately 20,000 uits while the volume for 1996 is forecast at up to 40,000 uits. AviSIM A state-of-the art SIM persoalisatio system for GSM/PCS operators eablig operators to scale productio of SIM cards to chagig market requiremets. For the operator, AviSIM is a way to achieve differetiatio i a competitive market. It lowers costs of SIM card productio ad secures SIM card availability. A graphical user iterface, cosistig of separate modules with well-defied ad ope iterfaces, makes it straightforward to use. Supports SIM cards from all major suppliers ad other mobile telephoe systems such as DCS1800 ad PCS1900. AviSIMPOS A POS applicatio that eable GSM dealers to offer a rage of ew beefits. Features iclude ulockig of cards, defiitio of short dialig umbers ad Advice of Charge. It allows subscriptio maagemet ad provides a platform for iformatio services. Supports card readers ad SIM cards from differet suppliers. Cards of differet sizes as well as Phase 1 ad Phase 2 SIM cards are also compatible. Also supports DSC1800 ad PCS1900. AviSIM Toolbox A SIM egieerig tool desiged for assistig egieers durig testig, implemetatio ad operatio. A importat fuctio is that all data files o the SIM card ca be displayed ad edited. The process ivolves the use of Widows software ad a Smart Card reader. AviSEC for Iteret Uses Smart Cards to guaratee secure tradig via the Iteret. It allows buyers ad sellers to idetify each other while esurig that paymets are made securely. Bak trasactios, electroic mail ad other sesitive iformatio is ecrypted / 98 The Iteratioal Smart Card Idustry Guide

148 148 Directory of Compaies B Baksys SA/NV Chaussée de Haecht 1442 Haachtsesteeweg, B Brussels, Belgium Tel: Fax: Web-site: (all uder costructio at the momet) Maagig Director: Guy Allio Director Marketig & Sales: Armad Likes Smart Card cotact: Daiel Skala, Iteratioal Sales Maager Tel: Fax: Subsidiary: Kuala Lumpur / Malaysia / M.Day Vahoutte Tel: Fax: Shop purchase devices: C-ZAM (fixed), C- ZAM/111 (portable) Vedig Machies (icludig pay-phoes): C- ZAM/V (box or parts) Load devices (atteded or uatteded), C- ZAM /BBD (bak couter), C-ZAM/BLD (bak lobby), C-ZAM/OLD (outdoor) Home devices (paymet ad loadig): C- ZAM/Phoe (PSTN), C-ZAM/PC (Iteret) Smart Cards : Supply of CC60 chip cards, 1K bytes EEPROM (a CP8 Trasac Smart Card) SERVICES Full rage of services related to EFTPOS termials: developmet, security, productio, marketig ad sales, istallatio, supervisio ad maiteace. Export activities iclude systems itegratio, authorisatios system (STEPS) sold to 11 Europea coutries, termials, security ad the Itersector Electroic Purse Proto, secure paymet services via the Iteret. Multiapplicatios ad ew busiess developmet of loyalty cards, public trasport cards (cotactless), access cotrol, termials for social security cards. REFERENCES Natioal lauch of electroic purse to the cout of 30 Belgia Baks Netherlads (Iterpay, ABN AMRO Bak, RABO Bak): ChipKip logo Australia (QuickLik): QuickLik logo Brazil (Mitel): Proto - Cartão Iteligete logo Caada (Bak of Motreal, Toroto Domiio Bak, Caada Trust): Exact logo Chile (CTC Equipos, Baco Satader, Baco de Credito e Iversioes, Baco de Chile, Baco de A. Edwards, B y Q Asesorias Itegrates Limitada): Supercard logo Swede (Nordbake AB, Skadiaviska Eskildaq Bake AB, Sparbake Sverige AB): Cash Switzerlad (PAYSERV): Cash logo USA Worldwide (America Express). Situatio at August ,000 termials i field ad 15,000,000 cards Baslad Digital Systems Head Office: Briarhill Ave, Lodo, Otario, Caada N5Y 4V8 Tel: Fax: Maagig Director: Brad Bas Marketig Director: Jerry Dolata The Iteratioal Smart Card Idustry Guide 1997 / 98

149 Directory of Compaies 149 Smart Card readers ad writer BÖWE SYSTEC AG Werer-vo-Siemes-Str.1, D Augsburg, Germay Tel : Fax: Web Site: systec.de Maagemet board - Dr Claus Gerckes, Michael Meyer. /Ralf-Schabel Smart Card cotact: Dr Kari-Heiz Weima Tel: Fax: BÖWE SYSTEC, a leadig provider of isertig ad cuttig systems, has bee active i the paper maagemet market sice 1953 ad is represeted worldwide i over 50 coutries through subsidiaries ad represetatives. This experiece has bee applied to its system for the hadlig ad despatch of large quatities of plastic cards together with appropriate documetatio. Plastic Card System (PCS) The Böwe Systec Plastic Card System ca hadle up to 6,000 isertios per hour with applied cards. Persoalised cards ca be fed ito the system i a usorted order. Data idetificatio is made possible through itegrated readig systems (chip, magetic stripe or image processig). British Telecommuicatios plc. 81 Newgate Street, Lodo, EC1A 7AJ, UK Smart Card Cotact: Steve Brow BT Cosumer Mobility, 19A Hatfields, Lodo, SE1 8DJ, UK Tel: +44 (0) Fax: +44 (0) AND SERVICES Phoecard (Eurochip 4438 memory card). 60,000+ Payphoes accept smart phoecards. 55,000 retail outlets for phoecards Payphoes accept Modex cards i Swido plus Exeter ad York Uiversities Bull CP8 68 Route de Versailles, BP 45, Louveciees, Frace Tel: +33 (0) Fax: +33 (0) Chief Executive Officer: Alai Couder/Eric Pradier Bull CP8 UK Computer House, Great West Road, Bretford, Middlesex TW8 9DH, UK Tel: +44 (0) Fax: +44 (0) Geeral Maager: Adria Cao Bull CP8 is the Bull subsidiary dedicated to secure trasactios systems. Its offer icludes Smart Cards, electroic fuds trasfer termials, viewers, Smart Card termials, automatic teller machies, frot ad back-ed servers ad etwork security software. Thaks to its strog ivolvemet i security, Bull is a worldwide leader i bakig Smart Cards. Sice 95, Bull remais the oly card provider for the largest electroic purses family ad supplies more tha 35% of the electroic purses delivered worldwide. Its large ivolvemet i the C-SET, Java Card Forum ad PC/SC workig groups gives Bull a major role i the electroic commerce field. Bull also targets sectors such as health, 1997 / 98 The Iteratioal Smart Card Idustry Guide

150 150 Directory of Compaies trasportatio, loyalty, idetificatio, TV ad telecommuicatios. Paymet Applicatios: Baksys - Belgium - 3,000,000 cash cards delivered i 1996 for electroic purse system. Frech Baks - Bull CP8 desiged the 22 millio cards issued by the Frech baks. Several tes of thousads of PiPadLINK termials are coected to various POS termials. Kwagju Bak - 100,000 TB100 cards for bakig applicatio i Korea. Frace Telecom - For several years, Bull CP8 has supplied Frace Telecom with 1.5 millio subscriber cards, couplers ad coectors for payphoes (over 65,000). Logical Security Applicatios: SWIFT - Cards ad readers/writers for the Society for Worldwide Iterbak Fiacial Telecommuicatios; TB type cards for RSA secured paymet trasfers i 150 coutries. BNP - 60,000 cards ad 30,000 termials are i use for logical access ad electroic sigature. GSIT Server - Security server for Frech Iterbak Clearig System usig several thousads of cards ad card readers. Pay-TV - i Scadiavia - More tha 800,000 CP8 cards have bee issued i Scadiavia for access to TV chaels icludig TV3, TV1000, FILMNET ad SCANSAT. Caal Plus - This Frech televisio chael has cofirmed its choice of the CP8 card (PC2) to cotrol access to its programmes ad has already take delivery of over 160,000 cards. Frace Telecom - CP8 cards cotrol access to the pay-tv system (Visiopass) for which Bull CP8 developed the operatig system. Portable File Applicatios: Rome Uiversity - Studet card with more tha 300,000 TB cards. Vitale Card - Replacig the Frech Social Security paper card by a Bull CP8 Smart Card to reduce paperwork. Bull together with ORGA ad Euro- Iformatio wo 40% of the Health Isurace market, with 6 millio cards sold for a total amout of 120 millio fracs. Bull is also supplier of the mask (operatig system) for the Vitale 1 Card. Bull CP8 Stored Value Cards: Belgium Name of electroic purse: PROTON Operator: Baksys Card issuers: All retail baks Lauch date: February 1995 Number of cards issued or ordered: 5 millio Type of card: Rechargeable cards. Ope system. CC 60 (8 Kbits EEPROM). Today CC 80 - Easy Etry stadard Netherlads Name of electroic purse: ChipKip Operator: Iterpay Card issuers: All baks (except Post Bak) Lauch date: November 1995 Number of cards issued or ordered: 13.5 millio Type of card: Rechargeable cards. Ope system. CC 60. CC 1000 (64K bits EEPROM). Multiapplicatio: SVC combied with loyalty schemes Switzerlad Name of electroic purse: CASH Operator: Telekurs/Payserv Card issuers: All baks (except Post Bak) Lauch date: September 1995 Number of cards issued or ordered: 5.5 millio Type of card: Rechargeable cards. Ope system. CC 60 (8K bits EEPROM) Italy Name of electroic purse:minipay Operator: SSB Card issuers: All retail baks (35 baks for pilot) Lauch date: Jue 1996 Number of cards issued or ordered: 1 millio Type of card: Rechargeable cards. Ope system. Specific card with CLIP label attached by Europay. Multi-applicatio: SVC combied with loyalty schemes. The Iteratioal Smart Card Idustry Guide 1997 / 98

151 Directory of Compaies 151 Swede Name of electroic purse: CASH Operator: Sparbake/Nortbake/S E Bake Card issuers: Sparbake/Nortbake/S E Bake Lauch date: October 1996 Number of cards issued or ordered: 375,000 Type of card: Rechargeable cards. Ope system. CC 60 (8K bits EEPROM) Turkey Name of electroic purse: PARAKART Operator: Akbak Card issuers: Akbak Lauch date: April 1996 Number of cards issued or ordered: 30,000 (6,000 pilot cards for Istabul Uiversity) Type of card: Rechargeable cards. Ope system. CC 60 (8K bits EEPROM) Russia Name of electroic purse: VICARD Operator: BashProm Bak Card issuers: BashProm Bak Lauch date: Jauary 1996 Number of cards issued or ordered: 50,000 Type of card: Rechargeable cards. Ope system. CC 60 (8K bits EEPROM) Caada Name of electroic purse: EXACT Operator: Bak of Motreal, Toroto Domiio Bak Card issuers: Bak of Motreal, Toroto Domiio Bak Lauch date: October 1996 Number of cards issued or ordered: 40,000 Type of card: Rechargeable cards. Ope system. CC 60 (8K bits EEPROM) Australia Name of electroic purse: QuickLik Operator: QuickLik (Trasportatio) Card issuers: Lauch date: November 1995 Number of cards issued or ordered: 700,000 Type of card: Rechargeable cards. Ope system. CC 60 (8K bits EEPROM) Nigeria Name of electroic purse: PAYTEC / PAYCARD Operator: Diamod Bak Card issuers: Diamod Bak Lauch date: December 1996 Number of cards issued or ordered: 20,000 (paymet i 100 outlets icludig retail ad gasolie i Lagos) Type of card: Rechargeable cards. Full off-lie system (for paymet, loadig ad collect). Memphis card family Memphis microprocessor cards are iteded for applicatios where there are oly oe or two issuers. They support all loyalty applicatios at a very low cost, the same as for memory cards. The security fuctios provide data protectio by key i read ad/or write, maagemet of a modifiable PIN code, calculatio of certificates, etc. The DES algorithm is used to obtai a stadard product, easy to develop. Memphis Microprocessor 8 bits CPU Memory Full rage from 256 bytes to 4K bytes Electroic purse Private Algorithm DES Stadards ISO SmartEMV cards family The SmartEMV microprocessor card rage allows several issuers to beefit from bak cards with EMV specificatios. I compliace with all ISO 7816 stadards, the SmartEMV cards fully respect the criteria of the Visa world described i the VIS ad UKIS specificatios. SmartEMV Microprocessor 8 bits CPU Memory 2 to 8K bytes Algorithm Triple DES Stadards ISO EMV 96 (3.0). VIS 1.2. UKIS 3.0 Applicatios Paymet, other applicatios i compliace with EMV. TB Cards family The Smart Cards i the TB family allow a ulimited umber of issuers to offer multiple services o a commo card with cryptographic security. TB Cards family Microprocessor 8 bits CPU Memory 1 to 8K bytes Algorithm DES Stadards ISO 7816 Applicatios Electroic commerce, security, idetity / 98 The Iteratioal Smart Card Idustry Guide

152 152 Directory of Compaies Iside the TB rage, two cards have special fuctios: TB98S+ CryptoCard supports public key algorithms such as RSA i additio to symmetrical DES. TBHF has a HF cotactless iterface i additio to the ISO 7816 cotact iterface. TB98S+ CryptoCard The TB98S+ CryptoCard has uique cryptographic fuctioalities. This multi-directory ad multi-file card offers high security flexibility ad capability of evolutio. It has umerous security ad cryptographic fuctios i symmetric ad asymmetric cryptography. The TB98S+ Card has specific cryptographic commads for its differet algorithm: DES, RSA ad Zero-Kowledge. Directories ad files may be added at ay time durig the active life of the card. They may also be ivalidated to ed their use. There is o limitatio to the umber of directories ad files. TB985+ CryptoCard Microprocessor 8 bits CPU Memory 4K bytes Algorithm DES, RSA 1024 bits. Zero-kowledge Stadards ISO 7816 Applicatios Electroic commerce, security, idetity. TB HF Cotact ad Cotactless Card Bull PTS offers a rage of cards that work with bidirectioal hertzia lik, eablig cotactless trasactios betwee card ad card reader. A atea built ito the card itself is used to esure both its power supply ad data receptio ad trasmissio, through a card reader also cotaiig a receptio/trasmissio device. TB HF Cotact ad Cotactless Card Microprocessor 8 bits CPU Memory 3K bytes Algorithm DES Commuicatio Bidirectioal13.56 MHz, 105 Kbps Stadards ISO 7816 Applicatios Electroic commerce, security, idetity. CC Cash Card Rage The Smart Cards i the CC family form the heart of the secured electroic paymet systems. I compliace with CEN ad ISO stadards, ad compatible with EMV specificatios due to the Easy Etry Visa program, they form the largest family of itersector electroic purses (IEPs) i service. Their high security level ad their operatig flexibility have already allowed over 20 millio CC cards to make their presece felt i the field (Proto, ChipKip, Cash, Quicklik, Cartao Itelligete etc). CC Cash Cards Microprocessor 8 bits CPU Memory 1 to 8K bytes Algorithm Triple DES Stadards ISO 7816, CEN 1546, EMV compatible Applicatios EMV-compatible itersector electroic purse, coexistig with other applicatios. Burall IfoCard Limited Cromwell Road, Wisbech, Cambs, PE14 OSH, UK Tel: +44 (0) Fax: +44 (0) Maagig Director: Rodey J Duddi Marketig Director: Michael G Moorey Smart Card cotact: R J Duddi Part of the Burall Commowealth of compaies, Burall IfoCard Limited was set up eight years ago to exploit opportuities i the Ifocard market. To date this has maily bee pre-ecoded magetic cards, both high ad low coercivity for use i mass trasit, public utilities ad geeral pre-paymet applicatios, such as copier cotrol. Burall IfoCard has bee moitorig the Smart Card market for a umber of years, idetifyig which products it should lauch ad whe. A ew divisio Burall IfoSystems was lauched to cocetrate o providig customers with complete solutios, allowig Burall IfoCard to cocetrate o Smart Card maufacture ad developig applicatios. The Iteratioal Smart Card Idustry Guide 1997 / 98

153 Directory of Compaies 153 Plaed: Cards Cotact ad cotactless Smart Card Devices Cotact/cotactless read write SERVICES Persoalisatio REFERENCES Pass, Maweb, Absec Buscom Oy Tekologiatie 7, Oulu, Filad Tel: Fax: Maagig Director: Veli Heikkie Marketig Maager: Kalevi Virta Buscom develop, produce ad market bus fare collectio systems based o cotactless proximity card techologies. Fare collectio system for public trasport; statioary ad portable ticket issuig uits, proximity card validators, proximity cards ad software systems. REFERENCES Cotactless Smart Card fare collectio systems istalled i some 20 cities i Filad, Swede, Norway, Demark ad Germay. Oulu, Filad: proximity card system operatioal Jauary System ecompasses three traffic compaies ad six muicipalities; 19,000 cards i use. Uppsala, Swede: operatioal 1994; 25,000 cards i use early Östersud, Swede: operatioal summer 1994; 15,000 cards i use early Luleå, Swede: 65 ticket issuig machies istalled i 1994; 25,000 cards i use Turku, Filad: operatioal December 1995; 240 buses to be equipped with proximity techology; 50,000 cards i use 1995/96. Kuopio, Filad: operatioal February 1993; 103 buses equipped ad 14,000 cards i use. Jyväskylä, Filad: operatioal March 1993; 90 buses equipped ad 12,000 cards i use. Varkaus, Filad: operatioal February 1993; 30 buses equipped ad 5,000 cards i use. Lahti, Filad: operatioal April 1993; 70 buses equipped ad 8,000 cards i use. Porvoo, Filad: operatioal April 1993; 70 buses equipped ad 5,000 cards i use. Mariaham, Filad: operatioal August 1992; 20 buses equipped ad 1,000 cards i use. Trodheim, Fose Norway: operatioal August 1992 i speedboats. Bus implemetatio August ,000 cards i use. Faroe Islads, Demark: system istalled ad operatioal April 1993; 34 buses with Buscom system, 26 ferries with portable Buscom ticket issuig machies ad two depot systems. Aerø, Demark: system istalled 1993 ad operatioal Jauary 1994; 10 portable ticket issuig machies o three ferries with itegrated Buscom system icludig a credit card reader for Dakort paymets; three depot systems ad 300 cards i use o the ferries. Demark (Oroe-Fys Amt) test ( ): four buses equipped ad 1,500 cards issued. Nyborg, Demark: system istalled ad operatioal July 1994; three buses equipped ad 1,000 cards i use / 98 The Iteratioal Smart Card Idustry Guide

154 154 Directory of Compaies Svedborg, Demark: system istalled ad operatioal May 1995; 15 buses equipped ad 500 cards i use. Dabus, Demark: system istalled ad operatioal May 1995; seve buses equipped with portable ticket issuig machies ad itegrated Buscom system icludig a credit card reader for Dakort paymets; oe depot system. Thiggaard, Demark: operatioal September 1995; seve buses equipped with Buscom system icludig a credit card reader for Dakort paymets; oe depot system. Marburg, Germay: proximity card system beig istalled featurig a bous fare calculatio eablig favourable pricig for the most frequet travellers. C C&M Publicatios Ltd PO Box 28, Corby, Northamptoshire, NN17 5LY, UK Subscriptios: Tel: +44 (0) Tel: +44 (0) Fax: +44 (0) A leadig publisher of iteratioal magazies: Card World provides a strategic view of the whole plastic card area. It has a strog techology focus, but also provides compay ad product profiles, coutry reviews ad aalysis of card implicatios. Global subscribers iclude people i bakig ad fiace, loyalty ad retail, card maufacturers ad suppliers, techology ad IT maagers ad the ew players icludig computer compaies ad telecom idustrialists. Fraud Watch is the oly iteratioal magazie coverig fraud i fiacial services, with a strog emphasis o cards. It keeps readers up to date o treds ad risks i the idustry ad also what steps are beig take to thwart the fraudsters. There are regular features o biometrics, the latest ecryptio ews ad other emergig techologies relevat to the subject. Loyalty magazie has take the idustry by storm sice its lauch i November Carryig advertisig, the magazie cotais special subject reviews i each issue. The User Guide is C&M Publicatios aual review of the year s card evets with specially commissioed articles from leadig commetators i importat sectors of the idustry, opiio ad aalysis of treds, product ad compay iformatio, advertisig from the leadig players ad a comprehesive glossary of terms. Cambridge Telephoes Ltd Sterlig House, Hardig Way, St. Ives, Cambridgeshire, PE17 4WR, UK Tel: +44 (0) Fax: +44 (0) Web site: Maagig Director: Bob Brittaie Smart Card cotact: Stepha Atkis A BABT approved British maufacturer ad desiger of payphoes ad related products, specialisig i secure payphoes, both card ad coi operated. Fully ower programmable payphoes ca accept various currecies ad chip cards. Cao Europa NV Bovekerkerweg 59-61, 1185 XB Amstelvee, The Netherlads Tel: Fax: The Iteratioal Smart Card Idustry Guide 1997 / 98

155 Directory of Compaies 155 Web site: Cotact: Raja Ray, Product Maager Tel: Cao is oe of the world s leadig maufacturers of image ad iformatio techology. Makig use of its substatial R&D resources ad expertise, Cao is at the forefrot of optical card techology. To date, Cao is the oly maufacturer to produce both optical card media ad reader / writer uits. Cao is the mai propoet of SIOC, the Society for Iterchage of Optical Cards. SIOC forms the basis for a widely accepted stadard for optical card techology. The SIOC format also complies with relevat ISO stadards. Optical Card Products: The Cao Optical Card is a credit card sized data storage medium with a storage capacity of up to 6 MB. The large capacity eables the optical card to store large amouts of text ad graphics; for example X-rays i medical applicatios or figerprit data i security applicatios. Optical Card Reader / Writers Cao maufactures advaced Optical Card reader / writers which represet the curret stateof-the-art i terms of performace ad compact size. SERVICES Cao Europa NV works closely with VARs ad system itegrators to provide Optical Card solutios for a wide rage of applicatios icludig healthcare, security ad maiteace. Card Dyamics Limited 32 Beechwood Aveue, Bottisham, Cambridge, CB5 9BG, UK Tel: +44 (0) Fax: +44 (0) Smart Card cotact: Ramauj Baerjee Card Dyamics is a specialist Itegrated Circuit card cosultacy set up by Ram Baerjee at the begiig of It is partly owed by Applied Systems Egieerig (UK) Ltd., a Iformatio Systems compay, also kow as ASE. Through this alliace Card Dyamics has access to a broad spectrum of skilled ad experieced IS specialists. REFERENCES Cliets iclude the departmet of Social Security, the CCTA (Govermet Cetre for Iformatio Systems), a major grocery retailer, a atioal telecommuicatios supplier, a major supplier of bakig systems ad oe of the major cosultig compaies. SERVICES Card Dyamics offers cosultacy services i a umber of differet areas icludig: all aspects of IC card schemes, maagemet tutorials/workshops, card related software desig ad developmet, techical tutorials/workshops, market iformatio ad treds, techology treds, hardware specificatio ad hardware sourcig. Card Services Iteratioal Limited (CSI) BIM House, Crofto Road, Du Laoghaire, Couty Dubli, Irelad Tel: Fax: Web site: Maagig Director: Aoghus Geraghty 1997 / 98 The Iteratioal Smart Card Idustry Guide

156 156 Directory of Compaies Smart Card cotact: Gerry Looby Card Services Iteratioal (CSI) develops, markets ad supports a stadard suite of electroic paymet systems based o Smart Cards. The CSI customer base exteds from Europe, to the Pacific Rim, Africa, the Middle East, ad South America. Both IBM ad Gemplus have forged alliaces with CSI. CardBASE2000 Icorporatig the latest security methods, CardBASE2000 gives card issuers complete cotrol over their multi-fuctio Smart Card schemes. CardBASE2000 is a fully itegrated iformatio maagemet framework, is EMV compliat, ad supports a wide rage of both private label ad iteratioal paymet products. Developed usig the latest object orieted tools ad desig methods, this framework coforms to Ope Systems Stadards, ad rus o a wide variety of hardware platforms. REFERENCES IBM, major world airlie, major bak, U.A.E; major bak, Easter Europe; major bak, South America, major card issuer, Asia Pacific Cardag Suhremattstrasse 23, CH-5035 Uteretfelde, Switzerlad Tel: Fax: Geeral Maager: Peter Hofma Cardag Frace Sarl, 1 Allée Jea Image, Torcy, Frace Tel: +33 (0) Fax: +33 (0) Maufacturer of credit, bak, idetity ad Smart Cards. SERVICES Research ad developmet, cosultacy ad techology trasfer. Cardial (UK) Ltd Queesway Court, Queesway, Hemel Hempstead, Herts, HP1 1LS, UK Tel: +44 (0) Fax: +44 (0) Maagig Director: Deise Lathom-Sharp Cardial specialises i developig systems ad products based o IC (Itegrated Circuit) card techology. As a idepedet systems itegrator, Cardial maitais a comprehesive kowledge of maufacturers throughout the world to source the products best suited to customer eeds. This capability is combied with techical expertise gaied from more tha 10 years practical experiece i the applicatio developmet of costeffective ad resiliet systems. SERVICES Software Developmet Cardial s techical team ca provide PC-based turkey solutios icorporatig specialist read/write uits for all maufacturers Smart Cards. To date, Cardial has produced systems for orgaisatios operatig i the fiace, telecommuicatios, leisure ad retail fields icludig closed user group electroic purse schemes. ICC operatig systems Cardial ca provide the particular skills required i developig Smart Card operatig systems as demostrated durig the Mercury Oe-2-Oe developmet. These iclude: i-depth kowledge of ETSI, ISO ad EMV stadards extesive experiece of specialist The Iteratioal Smart Card Idustry Guide 1997 / 98

157 Directory of Compaies 157 developmet eviromets ad test equipmet familiarity with Smart Card chips from all major chip suppliers strict adherece to quality stadards ad cotrol Cardial Cashless Caterig System I 1995, Cardial lauched its cashless caterig system. The system utilises Smart Card techology to provide a simple ad secure meas of elimiatig cash from the closed user group vedig eviromet. Users ca reload value oto their cards at special uits ad ca also sped moey at o-vedig poits usig a simple ad compact poit of sale device. The system has a PC based card issuig ad maagemet suite which icludes a user friedly diagostic facility. Card Isight Ltd Wichester House, 55 South Street, Epsom, Surrey, KT18 7PX, UK Tel: +44 (0) Fax: +44 (0) Joit Maagig Directors: David Cole ad Geoffrey Dow Smart Card cotact:david Cole telecommuicatios. The compaies busiess strategy cetre offers advice ad support i the followig areas: busiess/strategy plaig, solutios evaluatio, product implemetatio, busiess review, busiess updates ad traiig. SERVICES Cosultacy ad traiig. CardTech Ltd 21/30, Garmataya str., Kiev, , Ukraie Post Address: POB 816, Kiev, , Ukraie Tel/Fax: Geeral Director: Bogda Feyuk Marketig Director: Vladislav Deiseko Magetic strip cards, ID-cards, passes ad certificates with photo, badges, self-lamiated badges ad passes for express-issuig, advertisig cards, isurace cards. Chip cards Discout ad local paymet systems usig memory chip cards. Paret compay: Global Isight Group Card Isight offers professioal services to the card, paymet ad retail bakig busiess sectors. The foudatios for Card Isight s curret structure were laid i the provisio of strategic cosultacy to orgaisatios embarkig o card issuig or acquirig vetures. The compay is also applyig its expertise to other types of applicatio which are ow emergig such as loyalty, electroic purse, electroic commerce, petrol retailig ad CardTech Asia Pacific Limited 21 st Floor, Chiachem Johsto Plaza, Johsto Road, Wa Chai, Hog Kog Tel: Fax: Chia Office: 607, Metro Plaza, 183 Tia He Bei Road, Guagzhou, Chia. Post Code: / 98 The Iteratioal Smart Card Idustry Guide

158 158 Directory of Compaies Tel: Fax: Maagig Director: Dr Thomas J Cha Uder the maagemet of the fouder of CardTech Asia Pacific Limited, Asia s first cotactless Smart Card bus ticketig system was implemeted i Hog Kog i Sice the, CardTech has implemeted similar projects i Chia ad Hog Kog. Apart from implemetig bus ticketig projects, CardTech has supplied cotactless Smart Cards ad readers for differet projects. Examples are the residetial projects with applicatios i access cotrol, car parkig cotrol, poit of sales, club facility bookig ad shuttle bus ticketig. This is the first of such projects i Asia usig a microprocessor-based cotactless Smart Card. CardTech s busiess focus is cotactless Smart Cards, its products ad techology beig itegrated ito may applicatios i the Asia Pacific regio. CardTech provides full support for ay OEM maufacturer who wats to itegrate cotactless Smart Cards ito their products ad ay system itegrators desigig ad implemetig project-specific applicatios related to cotactless cards. The Casper Card The Casper card is a self-cotaied, passivelypowered, microprocessor-embedded Smart Card with a powerful itegrated operatig system. Casper coforms to the ISO stadard ad supports the ISO stadard with a read/write distace of over 10cms. Casper ca be ordered with differet microprocessors from maufacturers such as Itel, SGS-Thomso, Motorola ad Catalyst. Casper is available i a variety of differet EEPROM size (1, 2, 4 ad 8K bytes). The stadard card packagig is credit card size ad meets ISO stadard with a readig distace of over 6cms. This packagig is ideal for projects where ISO card stadard is first priority ad other factors are ot as importat. The followig packagig are also available: Key Fob The housig is ABS plastic with the shape ad size of a key rig. It has a readig distace of over 5 cms. The housig ca be customised to ay shape ad size accordig to customer requiremet. This packagig is ideal for applicatios ivolvig childre, rough hadlig of the card, or harsh eviromets where the card is used. Power Card This packagig uses ABS plastic or similar material with a dimesio similar to that of a credit card ad a thickess of about 2mm. The readig distace is over 10cms, ad it is desiged for durability ad low cost. This card is ideal for projects where log readig distace ad low cost are the top priorities. Multi-Card The Casper Multi-card is the oly sigle microprocessor based credit card size Smart Card curretly i the market which allows the card to be operated i either cotact or cotactless mode o the same card. This capability preserves data itegrity ad security i the same microprocessor chip. It is aimed at baks ad other orgaisatios that have already ivested i the cotact Smart Card techology. It allows the customer to operate the card usig ay existig cotact Smart Card reader ad at the same time the card ca be used for applicatios such as bus ticketig, subway ticketig, access cotrol ad other applicatios which require cotactless operatio. Smart Trasceiver The Smart Trasceiver is a iexpesive, compact RF commuicatio iterface with cotactless read/write capability. It is the size of a credit card ad provides bi-directioal, full duplex commuicatio betwee the host ad the Casper card. The Smart Trasceiver geerates ad modulates a 13.56MHz carrier sigal for the trasmissio of power, commads ad data to ay Casper card withi rage. This Smart Trasceiver has the optio of a Secured Applicatio Module (SAM), which allows secured purse to purse trasactios. DES or RSA ecryptio ca be used to provide mutual autheticatio betwee the card reader ad card. This meas a trasactio ca oly be performed betwee a authorised termial ad a valid Casper card, without the eed for expesive o-lie autheticatio of the card reader ad card. The Iteratioal Smart Card Idustry Guide 1997 / 98

159 Directory of Compaies 159 The Smart Trasceiver ca be easily itegrated ito ay termial ad equipmet such as poit of sales termial, photocopyig machies, vedig machies, turstile ad barriers, computer termials for authorisatio ad user autheticatio, car parkig systems, biometrics scaers etc. It is ideal for system itegrators ad OEM maufacturers who wat to expad the capability of their products to accept cotactless Smart Cards. Remote Atea The atea ca be located over 30 metres away from the electroics of the reader. Furthermore, this distace ca be varied ad the atea ca be replaced without the eed to re-tue the electroics. This pateted techology makes istallatio ad maiteace very easy ad flexible. As the electroics are ot exposed, vadalism is miimised. Multi Chael Iterface The Multi Chael Iterface (MCI) accessory allows several ateas to be itegrated ito oe reader. The card reader will distiguish betwee the differet ateas coected to it, resultig i each atea servig differet fuctios ad reducig the overall system cost. REFERENCES Gasolie Maagemet System (GMS) - South Africa, UK, Frace Electroic purse ad multi-applicatio system - Kibbutz, Israel Bus ticketig system - Chia, Hog Kog, Germay Hotel maagemet system - Idia Frequet flier program - Idia EasyPark electroic parkig system - Israel Residetial card ad electroic purse - Hog Kog Shop floor cotrol / idustrial productio lie applicatios - Israel, USA Waste maagemet system - Hollad Access cotrol system - Thailad, Hog Kog Cardware Ltd 19 Roudwood Lae, Harpede, Herts, UK Tel: +44 (0) Fax: +44 (0) Directors: R J Carter ad C J Staford Smart Card cotact: Chris Staford Card scheme desigers specialisig i trasportatio, loyalty ad paymet schemes. Cosultats i Smart Cards, biometrics ad paymet techologies. CLIENTS Major fiacial istitutios, the Europea Commissio, trasportatio, chemicals, telecommuicatios ad card compaies. SERVICES Desig, project maagemet ad cosultacy. CCTA - Govermet Cetre for Iformatio Systems Rosebery Court, St. Adrews Busiess Park, Norwich, Norfolk, NR7 0HS, UK Tel: +44 (0) Fax: +44 (0) Web site: The Smart Card team ca be cotacted via the CCTA Iformatio Desk. Tel: +44 (0) CCTA helps the public services i the UK to successfully acquire ad use iformatio systems to meet their busiess eeds. A iformatio pack o Smart Cards - Opportuities ad Uses. This pack icludes the 1997 / 98 The Iteratioal Smart Card Idustry Guide

160 160 Directory of Compaies CCTA publicatio Smart Cards Opportuities for Public Sector Applicatios, a Stadards briefig ad a set of Case Studies of Smart Card applicatios. Each case study outlies the reasos why Smart Cards were chose, problems experieced ad the lessos leared. Further details from CCTA Library. Tel: +44 (0) Get Smart - A Illustrated Guide to Smart Card Techology is a iteractive PC-based Smart Card demostrator available o 3.5 ich diskette or CD ROM. Further details from: or Tel: +44 (0) Cellograf-Simp SpA Via Mote Spluga 58, Barazate di Bollate, Milao, Italy SERVICES Service Bureau: a service at Europea level for card persoalisatio i all its forms, which ca maage, uder maximum security, both high volumes ad small quatities i a short time. Total mail completes Cellograf-Simp s package of products ad services. Cellograf-Simp quality ad maagemet system is certified ISO REFERENCES Mai customers: major Europea baks ad fiacial istitutios; atioal bodies (healthcare, Miistries, public istitutios) i Europe ad overseas, telecommuicatios, security ad access cotrol, retail ad automatic vedig, electroics idustry ad card issuers Tel: Fax: Maagig Director: P E Corsi Export Maager: G Tagliabue Busiess Developmet: C Cardellio Brach Office: Cellograf-Simp Belgium Av. Sylvai Dupuis 213, 1070 Bruxelles, Belguim Plastic card productio by Cellograf-Simp goes back to the very first appearace of cards o the market i the mid-60s ad eabled the compay to gai leadership o the Italia market ad a leadig positio i Europe as well, i particular i the credit card segmet (Visa, MasterCard, Europay). Chip Cards Cellograf-Simp produces chip cards with differet modules for diversified applicatios (memory ad micro) as well as cotactless techology. Productio of chip cards is complemeted by delivery of basic applicatio software ad assistace i the choice of hardware for turkey solutios. Ceteial Techologies Ic. 37 Maig Road, Billerica, MA 01821, USA Tel: Fax: Maagig Director: Uri Levy Smart Card cotact: Bob Silva Europea Address: Ceteial Techologies Ltd Cedarmout House, Owlsmoor Road, Owlsmoor, Sadhurst, Berkshire, GU47 0SS, UK Tel: +44 (0) Fax: +44 (0) Smart Card cotacts: Reg Ellis-Bolto / Joe Gold Subsidiary: Card Professioals Ltd Cedarmout House, Owlsmoor Road, Owlsmoor, Sadhurst, Berkshire, GU47 0SS, UK Tel: +44 (0) Fax: +44 (0) Smart Card cotact: Reg Ellis-Bolto The Iteratioal Smart Card Idustry Guide 1997 / 98

161 Directory of Compaies 161 Ceteial desigs, maufactures ad markets PCMCIA PC cards ad solutios for use i portable computers ad idustrial applicatios. Crypta Plus Card Crypta Plus is a PCMCIA Flash memory card icorporatig a Smart Card itegrated circuit which performs security, idetificatio ad autheticatio fuctios. Features: 2-16 Megabytes of Flash memory, word or byte trasfer, memory lock. Security support fuctios provided by Cryptographic Support Processor embedded i the card - secure key ad password storage, secure logo, digital sigature, Public Key ecryptio, RSA, PKCS #11 stadard. Applicatios: secure toke for computer users to protect data ad applicatios ad for commuicatig data securely over etworks, digital sigature applicatios such as fiacial trasactios. SERVICES Smart Card paymet system icludig card data structure, card issuig system, processig etwork, POS system, bak system, self-service termials etwork, security systems. Electroic loyalty systems ad frequet shoppig card programs. Home bakig system with Smart Card-based security architecture. Access cotrol systems. System egieerig, itegratio ad support. Project desig, applicatio developmet, istallatio ad upgrades. Cosultig services. PROJECTS IN DEVELOPMENT Worldwide etworks likig electroic bakig activities, Smart Card uiversity campus systems, pay phoes, fare collectio, traffic collectios; Electroic loyalty systems tied i with frequet buyer awards; programmig for optical ad cotactless cards ad ew security codig systems usig biometrics. Ceter of Fiacial Techologies Ic. 875 N.Michiga Ave., Suite 3416, Chicago, IL , USA Tel: Fax: Smart Card cotact: Michael Y Shtyrekoff, Busiess Developmet Maager Ceter of Fiacial Techologies is a recogised leader i Smart Card software programmig ad a cosultig orgaisatio servig busiess cliets. Sice its foudatio, CFT has dedicated itself to helpig its cliets icrease sales ad profits through improvemet of kowledge, skills ad techological developmet of Smart Card techology. CFT s primary busiess lies i the field of automatio of baks, fiacial ad stock compaies, electroic fuds trasfer ad Smart Card paymet systems developmet. It specialises i systems egieerig, systems itegratio, project desig, applicatio developmet ad implemetatio, systems support ad cosultig services. Oe of the mai directios of the compay s busiess is Smart Card systems. Checklie plc Checklie House, 186 Darkes Lae, Potters Bar, Hertfordshire, EN6 1AB, UK Tel: +44 (0) Fax: +44 (0) Marketig Maager: Christopher Ellis Smart Card cotact: Kalim Qureshi, Product Developmet Maager Checklie plc is a leadig Electroic Fuds Trasfer specialist with products cofigured to meet idividual market requiremets icludig provisio for Smart ad RAM cards. FASTtra 30 ad FASTtra 40 Stadaloe or etworked EFTPOS termials maufactured i-house with a provisio for Smart ad RAM cards. Software libraries to eable PC tills ad mail order 1997 / 98 The Iteratioal Smart Card Idustry Guide

162 162 Directory of Compaies systems to accept cards electroically. SERVICES Maufacturig, supplier, bespoke developmet, traiig ad full help desk ad egieer support. REFERENCES Checklie has developed solutios i retail, mail order, leisure, hotel, car retal ad ticketig marketplaces. Customers iclude Wickes, Do-It- All, Royal Isurace, Earls Court, Frech Coectio. CKD SA 183 Aveue George Clémeceau, Naterre Cedex, Frace Tel: +33 (0) Fax: +33 (0) Iteratioal Sales Maager: Jea-Michel Scheider Electroic paymet termials with Smart Card ad magetic stripe card readers. COGITO Techologies Techôpole de Château Gombert, Immeuble MICROMEGA, 58 Rue Paul Lagevi, Marseille, Frace Tel: +33 (0) Fax: +33 (0) Web site: Smart Card cotact: Yva Ecuer A computer egieerig firm specialisig i Smart Card applicatios (multi-purpose, security, electroic purse etc.), persoalisatio tools, systems itegrator ad Iteret applicatios. Drawcard Software to persoalise i a graphic ad electrical way, Smart Cards ad plastic cards with colour sublimatio priter or moochrome thermic machie. Viewcard Portable medical file o a Smart Card givig a complete dossier o patiet with photograph, admiistrative iformatio, allergies, previous medical prescriptios, results of blood aalysis, etc. Spyrou Software for secure ad paid applicatios ad Iteret accesss. La Veture Card & Cameleo Multi-service software package for firms ad schools. (Access cotrol, idetificatio, time maagig, prepaid applicatios etc.). SERVICES Egieerig, cosultig, study ad traiig. Iteret security, buildig servers/services. Combitech Traffic Systems AB Box 1063, S Jököpig, Swede Tel: Fax: Maagig Director: Begt Forsma Smart Card cotact: Ket Eriksso Combitech is a wholly-owed divisio of the Saab Group. It supplies systems for toll road ad fleet maagemet applicatios. The PREMID system Products for short-rage commuicatio betwee roadside ad vehicle usig microwave techology. The Iteratioal Smart Card Idustry Guide 1997 / 98

163 Directory of Compaies 163 REFERENCES PREMID No-Stop Toll Collectio systems i Frace, the UK, Norway, Swede, Spai, Hog Kog ad Chia. Delivered the world s first multilae free-flow traffic toll system, at Tauer Autobah ear Salzburg i Austria i Received the cotracts to deliver to the Melboure City Lik project ad Great Belt i Demark. Cubic Automatic Reveue Collectio Group (CARCG) 5650 Keary Mesa Road, Sa Diego, CA 92111, USA Tel: Fax: Cotact: Garry Reeva. Tel: Geeral Maager: Patrick Baraoa Smart Card cotact: Pierre Casteldaccia, Deputy Geeral Maager Cyberetix proposes a global cocept for the turkey developmet of Smart factories for the productio of Smart Cards. As log ago as 1986 Cyberetix developed ad istalled productio lies for the worlds largest producers, carried out umerous studies for the ew products ad marketed a stadard equipmet rage. Cyberetix specialises i egieerig state of the art automated ad robotics systems ad is experieced i leadig edge productio systems. It desigs Smart Card productio cetres i partership with its customers. Its mai customers are worldwide Smart Card maufacturers. CARCG is a leadig supplier, maufacturer ad systems itegrator of automatic fare collectio systems for mass trasit ad road tollig applicatios. I 1995 it acquired the automatic fare collectio systems compay Scapoit Techology A/S of Copehage, Demark, specialisig i bus systems, thus givig CARCG products for all sectors of the market. REFERENCES The Group pioeered cotactless Smart Card techology for trasit systems o the Lodo Udergroud. Other projects iclude the New York City Trasit Authority s fare collectio system ad the Washigto Metropolita Area Trasit Authority s fare collectio system usig the GO CARD, a Smart proximity card. Cyberetix Techopole de Chateau-Gombert, Albert Eistei, BP94, Marseille Cedex 13, Frace Tel: Fax: Presidet ad CEO: Charles Palumbo CZS Ltd. Lamezastrasse 8, A-1232 Viea, Austria Tel: Fax: Maagig Director: Dr Erst Piller Cotact: Christia Erasim, Marketig Director Lamezastrasse 8, A-1232 Wie, Austria Fax: Paret compay: Austria Cetral Bak Sister compay: Austria Card System itegrator for Smart Card solutios Cards All types of Smart Cards 1997 / 98 The Iteratioal Smart Card Idustry Guide

164 164 Directory of Compaies Smart Card devices Serial Card Reader for PC SERVICES Cosultig, specificatio, approval of systems, turkey solutios REFERENCES QUICK - atiowide Austria electroic purse system Kõrte Card - all iclusive tourist card system D Dai Nippo Pritig Co., Ltd Commuicatio Busiess Systems Ceter, Nishi-gotada, Shiagawa-ku, Tokyo 141, Japa Tel: /6810. Fax: Seior Geeral Maager: Wataru Kuramochi Geeral Maager: Yoji Ohkawa Smart Card cotacts: (Domestic) Masahito Sakai, Maager, Card Systems Plaig Tel: Fax: (Iteratioal):Yoji Ohkawa, Deputy Geeral Maager Tel: Fax: Akihiro Nakamura, Maager, IC Card Systems Tel: Dai Nippo Pritig Co., Ltd. supplies card products ad services from ordiary magetic stripe cards to advaced hybrid (IC + optical memory) cards. It maufactures IC/Smart Cards ad systems which are marketed by SPOM Japa Co., Ltd. IC cards CPU-based (4K/16K/64K/256K bits EEPROM) - Memory oly (1K bits EEPROM) Photo-ID Cards Full colour, direct pritig Devices Coectors, couplers, maual/semi-maual ad motor-drive reader/writers Card priter CP-510 REFERENCES DNP is the sales aget of SPOM Japa, a joitlyowed subsidiary with Bull CP8 of Frace, for its IC cards, related products ad systems. DANMØNT Lautrupbjerg 10, DK Ballerup, Demark Tel: Fax: Maagig Director: Heig N. Jese Sice DANMØNT started i September 1992 they have issued more that 850,000 disposable cards. Furthermore, DANMØNT have made specificatios for the reloadable card system, which is uder implemetatio i Demark. I 1995 there were more tha 2 millio trasactios i the DANMØNT system ad i 1996 the umber of trasactios had icreased to more tha 3.6 millio, a icrease of 71%. IN 1997 DANMØNT expects to be fully implemeted atiowide eve i the smaller tows. At this poit of time Tele Demark has istalled all their pay phoes with DANMØNT as a meas of paymet i all parts of Demark ad the Mass Trasit Authority i Copehage has coverted all the automatic ticket vedig machies. The Iteratioal Smart Card Idustry Guide 1997 / 98

165 Directory of Compaies 165 DANMØNT is a prepaid stored value card system operator. A Number of idepedet service providers are co-operatig with DANMØNT, to eable the card to be used i various vedig machies ad i other kids of self service areas. Amog the differet kids of services are: Automatic ticket vedig machies Stamp postage machies, Cold ad hot drik vedig machies Coke ad Pepsi vedig machies Sack vedig machies Parkig meters Fax machies Payphoes GSM payphoes i Iter-City trais Laudrettes Catees, cafeterias Rechargig stads for electric cars Paymet for access to Iteret Priters to PCs at uiversities POS termials Lightig at teis courts Photocopyig machies etc. Dassault Automatismes et Telecommuicatios 9 rue Elsa Triolet, ZI Les Gâties, BP 13, Plaisir Cedex, Frace Tel: +33 (0) Fax: +33 (0) Chairma ad CEO: Jea Paul Vaurrey Maagig Director ad VP: Gilbert Weill Smart Card cotact: Michel Makiela Frech termial maufacturer with a rage of portable ad o-portable EFTPOS termials, Smart Card readers ad cash dispesers. TPC 232 EFTPOS Portable Termial Operates from batteries. I additio to its use i stores ad restaurats, it makes electroic paymet available to sectors formerly uable to use electroic card readers, such as outdoor markets, taxis, itierat sales i trais ad aircraft. Accepts magetic stripe ad Smart Cards. FREESIA - EFTPOS Termial Compact stadaloe termial, Freesia reads magetic cards ad i optio Smart Cards. With its large memory capacity, it is able to process all paymet applicatios icludig credit, debit, prepaid ad private label cards. This had held termial ca be used as a PIN pad by itself ad provides a flexible paymet cofiguratio. LCM Smart Card Readers The LCM family is desiged for all card applicatios i the bakig, trade, trasport, healthcare, idustry ad leisure sectors. The readers are equipped with dowloadable memory ad used i coectio with host equipmet (PC, Electroic Fuds Trasfer termial, videotex, etc.). Readers accept all chip cards, plus magetic stripe cards. LCM 322 Part of the rage above, the LCM 322 is a double Smart Card reader iteded for applicatios where readig two cards is ecessary, such as i the healthcare sector. It features a dowloadable memory ad is used i coectio with a host termial (PC, Videotex, etc.). CP-TPC A C-laguage software tool for quicker ad easier developmet of applicatios usig magetic stripe or Smart Cards for TPC, Freesia ad LCM products. D 134 Cash Dispeser Compact through-the-wall cash dispeser desiged to be istalled outside bak premises or i a booth. The motorised ISO 2 card reader ca be equipped with a Smart Card reader. D 224 Cash Dispeser Compact cash dispeser iteded for istallatio iside bak premises or i a protected eviromet. The motorised ISO 2 reader ca be equipped with a Smart Card reader / 98 The Iteratioal Smart Card Idustry Guide

166 166 Directory of Compaies DataCard Corporatio Bre Road West, PO Box 9355, Mieapolis, MN 55440, USA Tel: Fax: Presidet ad CEO: Gle W Highlad Director of Marketig ad Commuicatios: Mark Iverso DataCard Corporatio is a private compay, whose pricipal stockholders are members of the Quadt family of Germay. The compay was fouded i 1969 to develop, maufacture, market ad support high-volume embossig ad ecodig systems for the emergig credit card market i the USA. DataCard has sice become a leadig supplier of high-quality plastic card equipmet products ad services with over 2,000 people employed worldwide ad reveues of $300 millio. DataCard has a comprehesive etwork of sales ad service offices i more tha 90 coutries. Serial Memory Cards SM x 1 bit orgaisatio, max. 20,480 cout uits, 3 memory areas (ROM, PROM, EEPROM), special security features. SM x 1 bit orgaisatio, 208 bit user memory, cofigurable (PROM/ROM), read protectio, user memory reloadable ad cofiguratio chageable up to 64 times, PIN security logic, special security features. SM x 8 bit orgaisatio, byte-wise write protectio for 32 bytes, byte-wise addressig, twowire lik protocol. SM 2000P - as SM 2000, 24 bit security code as write protectio. SM x 8 bit orgaisatio, byte-wise write protectio for 1024 bytes, byte-wise addressig, three-wire bus. SM 8000P - as SM 8000, 16 bit security code as write protectio for complete memory. Microprocessor Cards MIC bit CPU, 6K bytes ROM, 160 bytes RAM, 2K bytes EEPROM, SCOS operatig system, PIN, DES optio, T=0 protocol. MIC bit CPU, 8K bytes ROM, 256 bytes RAM, 4K bytes EEPROM, SAMOS operatig system, special security features, sleep mode, T=1 protocol. MIC - 16 bit CPU, 10K bytes ROM, 256 bytes RAM, 8K bytes EEPROM, proprietary operatig system, fast block trasfer, sleep mode. Card Persoalisatio Systems A full rage of products, from the smallest maually-fed embossers to high-speed machies capable of persoalisig up to 1,700 cards/hour ad spaig a spectrum from embossig ad ecodig to thermal pritig of bar codes, graphic images ad photographs. Card Isertig ad Card Coutig Systems DataCard card iserters complemet its family of card persoalisatio systems. Available as stadaloe devices or may be itegrated with a card persoalisatio system for totally automated card processig. A lie of electroic card couters provides card issuers, processors ad maufacturers with audit-cotrol facilities. DataCard 680-IC/485-IC Termials Both are equipped with two card slots - oe for magetic stripe ad oe for Smart Cards. Applicatios iclude user etitlemet verificatio, purchase authorisatio, medical iformatio, frequecy marketig ad sales processig. The 680-IC icludes a modem for o-lie or batch offlie authorisatio, settlemet or database access. The 485-IC is desiged for a Local Area Network (LAN) workstatio or a data etry device to a PC or electroic cash register. Istead of a modem the 485-IC has itegrated etwork iterface circuitry to operate o the DataCard LAN. Smart Card systems DataCard has developed Smart Cards ad system iterfaces for prepaid debit card applicatios with may other peripheral products, such as Smart Card acceptors for its lie of POS trasactio termials. The Iteratioal Smart Card Idustry Guide 1997 / 98

167 Directory of Compaies 167 DataCard Service This field orgaisatio of over 500 techicias is supported by a atioal dispatch cetre which logs all calls, dispatches a techicia ad closes the call. Datakey Ic 407 West Travelers Trail, Bursville, MN , USA Tel: Fax: Maagig Director: Carl P Boecher Vice Presidet, Marketig ad Sales: Larry Haistig Smart Card cotact: Barbara Hesley Datakey offers portable IC devices i a variety of coveiet forms icludig both ISO compliat cards, rugged electroic ad electro-mechaical keys ad other custom-shaped tokes. Together, these products support a wide rage of applicatios with devices that perform reliably eve i harsh idustrial, automotive ad military eviromets. The compay also offers a selectio of OEM ad ed-user iformatio security products, kow as its SigaSURE lie, which provide advaced ecryptio ad autheticatio capabilities. SigaSURE Toke-based Iformatio Security Products Datakey s SigaSURE products provide ehaced privacy protectio for data exchaged over usecured etworks, icludig popular public etworks such as the Iteret. These products support a variety of advaced autheticatio ad cryptographic fuctios, icludig a o-card digital sigature capability. The SigaSURE lie features tokes packaged i ISO Smart Card (Model 310), ad proprietary key (Model 360) forms as well as supportig reader/writers ad software. Each device cotais up to 8K bytes of ROM, 8K bytes of EEPROM ad 256 bytes of RAM, a 8 bit microcotroller ad a dedicated crypto-coprocessor that supports subsecod executio of various public key fuctios. All SigaSURE tokes provide secure storage for passwords, PINs, ecryptio keys ad other applicatio data. They also feature o-board implemetatios of the widely recogised DES, RSA ad DSA ecryptio algorithms, alog with a radom umber geerator that provides seed umbers for ecryptio keys. I additio, the SigaSURE lie icludes itegrated toke-based iformatio system solutios. Portable Data Carriers Data Keys A rage of key-shaped data carriers made to tolerate hard wear ad perform reliably eve i hazardous cosumer ad idustrial settigs. Offered with serial I/O EEPROM memories from 1K bits to 16K bits. Larger capacity parallel I/O keys are offered with EEPROM memories from 64K bits to 256K bits ad with EPROMs from 256K bits to 512K bits. Custom Data Carriers I additio to its stadard key ad card form products, Datakey offers custom desig ad packagig services for applicatios with specialised performace requiremets. The compay develops portable data products icorporatig a variety of ICs, icludig mixed memory ad smart devices which are packaged i forms to satisfy a wide rage of evirometal ad iterface eeds. Datamoitor 106 Baker Street, Lodo, W1M 1LA, UK Tel: +44 (0) Fax: +44 (0) Practice Area Director: Adrew Qui Cotact: Laura Firth, Marketig Coordiator 1997 / 98 The Iteratioal Smart Card Idustry Guide

168 168 Directory of Compaies Datamoitor is a market research ad strategic cosultacy firm providig busiess-to-busiess iformatio to the techology ad commuicatio markets. Market reports coverig the Smart Card idustry iclude; Global Smart Card Markets Price: 1,995 Publicatio Date: Aug 1996 Smart Cards i Europea Fiacial Services Price: 1,995 Publicatio Date: July 1997 Datastripe Ltd Doma Road, Camberley, Surrey, GU15 3DF, UK Tel: +44 (0) Fax: +44 (0) Smart Card cotacts: Chris Bale, Maagig Director, Mike Hedry, Cosultat Datastripe is a leadig supplier of OEM magetic card products i the UK, desigs ad maufactures customised products ad provides software where appropriate. Customers iclude baks, retailers, access cotrol compaies ad OEM maufacturers i the poit of sale ad security fields. The compay has extesive experiece of workig with IC memory cards ad icreasigly with microprocessor cards. Smart Card readers ca ow be icorporated ito ay of the compay s itelliget products. Smart Card Iterfaces A rage of iterface products to allow hardware ad software itegrators to icorporate Smart Cards i their products without kowledge of the card protocols. Virtually ay ISO 7816 compatible card ca be accommodated. DS0520 Motorised Magetic ad IC Card Reader Reads all stadard format ISO cards - tracks 1 & 2 or 1, 2 & 3 magetic stripe cards. Optioal IC card reader (ISO 7816). Suitable as a EPOS peripheral ad for a wide rage of applicatios i retail ad idustrial eviromets, icludig card paymet ad loyalty, self-service, time ad attedace ad access cotrol. Appropriate where a upgrade path from magetic card to a IC card applicatio is required. Card Systems for Schools Smart Card-based system typically for fuctios such as basic attedace (registratio oce/twice daily), lesso by lesso attedace, classroom access cotrol (with door release), library ledig cotrol, meals ad vedig. The cetral system rus o a PC. SERVICES Desig, maufacture, software. Compay speciality is card systems iterfacig. Dau Compoets Ltd Barham Road, Barham, West Sussex, PO22 0ES, UK Tel: +44 (0) Fax: +44 (0) Web-site: Maagig Director: Joh Harmer Smart Card cotact: Paul M Harmer, UK Sales Maager Dau Compoets is the sole ad exclusive UK aget for Hopt & Schuler card iterfacig techology. Card iterfacig product Smart Card coectors Magetic card readers The Iteratioal Smart Card Idustry Guide 1997 / 98

169 Directory of Compaies 169 Smart Card reader/writers Magetic card reader/writers Hybrid card reader/writers Smart Cards ad magetic cards SIM cards Cards clearig kits Card guides / bezels The smallest chip card coecter for the plug-i SIM. Shock ad vibratio proof Uiversal use for idetificatio systems, portable phoes or termials, lap-top computers or pay-tv decoders. DDM Hopt & Schuler Heerstrasse 44, Rottweil, Germay Tel: Fax: CEO: Rudolf Hopt Smart Card cotact: Jürge Hopt, Marketig Director DDM has bee developig ad producig peripheral devices for data processig for more tha 25 years. OEM devices for magetic cards, Smart Cards ad hybrid cards are available for all kids of applicatios. DDM offers switchcompoets; withi a wide rage of differet push butto, slide, rotary, codig ad keylock switches, i miimised outlie dimesios for applicatios i the whole rage of electroics. Chip Card Coectors / Sprig cotacts are arraged i a way so that they move oto the chip cotacts without scratchig the surface, eablig a higher umber of card isertio cycles. Coectio is made via FFC or FPC (flexible prit). Uiversal use for idetificatio systems, portable phoes or termials, lap-top computers or pay-tv decoders. Optio available for a loger card isertio ad for a lockig system with maual release O request this uit ca be supplied with protectio of the cotacts agaist vadalism. A sealed or stadard ed switch ca be istalled i the uit. Directly solderable ito PC-boards. Uiversally usable for idetificatio systems, debitig systems ad all automatio Strog costructio allows use i cars, trucks, for mobile commuicatio systems i rough eviromets. Hybrid Card Readers A motorised card reader for magetic stripe cards ad a card reader/writer for Smart Cards. Desiged for POS systems, mobile data processig, idetificatio o Persoal Computers Motorised read/write uit i miiature size for magetically ecoded credit cards ad Smart Cards. Desiged for portable termials ad mobile data statios. 859 ad 860 series - Had operated DIP-readers for magetic stripe cards ad cotacts for Smart Cards. Some desiged specially for use i payphoe systems. Debitek Ic Chapma Road, Suite 159, Chattaooga, Te 37421, USA Tel: Fax: Smart Card cotact: Richard Maig, Chief Scietist Fouded i 1984 i Chattaooga, Teessee, Debitek s core busiess is i the sale of prepaid cards, card readers ad systems software. The compay has a extesive US cliet base withi the corporate, academic, correctioal ad healthcare idustry sectors. Debitek systems are also desiged to lik ito the US bakig system, eablig cardholders to trasfer fuds directly oto their cards from local ATMs / 98 The Iteratioal Smart Card Idustry Guide

170 170 Directory of Compaies The Johsto Coca Cola Bottlig Group Ic. acquired majority iterest i the compay i 1985 which was subsequetly merged with Coca Cola Eterprises (CCE). I May 1994, Debitek merged with GiroVed Cashless Systems (UK) Ltd to create the world s largest cashless paymet group. The merger gave British-owed GiroVed a 59% cotrollig iterest, but both compaies cotiue to operate uder their trade ames i Europe ad North America. REFERENCES Key cliets iclude Coca Cola, Morga Staley, Chase Mahatta Bak, Northwester Columbia & Corell Uiversities ad over 70 federal correctioal cetres such as the Federal Correctioal Istitute i Phoeix. Debitek Smart Cotactless Card & Key System usig AT&T, GPT, Gemplus ad other leadig techologies. De La Rue Card Systems Cards: Alexadra Way, Ashchurch Busiess Cetre, Tewkesbury, Gloucestershire, GL20 8GA, UK Tel: +44 (0) Fax: +44 (0) Cotact: Aaro Davis Termials: Ridge Way, Doibristle Idustrial Estate, Dufermlie, Fife, KY11 5JU, UK Tel: +44 (0) Fax: +44 (0) ad system itegratio, De La Rue Card Systems provides market-ready card solutios to customers i a rage of idustries that require the autheticatio, idetificatio or security of trasactios of value. With offices, factories ad bureaux located throughout the world, De La Rue Card Systems delivers a mix of over 200 millio magetic stripe ad microprocessor based cards per year. Busiess Areas: Cards: The cards busiess offers a full rage of IC cards from microprocessor to memory ad toke cards, magetic stripe cards ad stadaloe reader / ecoders. Services iclude; mask developmet, cosultacy, traiig, techical support, project maagemet, full persoalisatio services ad systems itegratio. Markets iclude mobile telecommuicatios, pay-tv, paymets, retail, trasport, health ad idetificatio. Termials: De La Rue Card Systems develop, maufacture ad market a extesive rage of electroic paymet termials ad associated software applicatios. I additio to the traditioal EFTPOS markets, De La Rue Card Systems termial busiess is ivolved i other areas, icludig electroic purse systems, estate maagemet, electroic commerce ad help desk support. Systems Itegratio: Drawig upo the cards ad termials products ad expertise, the Systems Itegratio Busiess provides total busiess solutios, deliverig custom solutios aywhere i the world. (see tables opposite) Cotact: Gillia Brow Maagig Director: Kevi Loosemore De La Rue Card Systems, oe of the leadig iteratioal players i the Smart Card market, is part of De La Rue, the cash to cards group. Through its three busiess areas - cards, termials The Iteratioal Smart Card Idustry Guide 1997 / 98

171 Directory of Compaies 171 Product Rage - Dedicated Mask IC Cards VisaCash Disposable VisaCash (PKSVC) Reloadable VisaCash Semp Applicatios Electroic Purse Multi-Applicatio Multi-Applicatio Stadards compliace Visa Cash PK 1.0, EMV 30, ISO , CEN TC224 ISO Visa Cash CPU SLE 4404 SLE44C80S M68HC05 SC27 EEPROM 417 bytes 8K bytes 3K bytes Algorithm Triple DES / RSA Triple DES Other Features Fudig source ad optioal UKIS debit / credit POS Termials Yes Yes No Persoalisatio Yes Yes Yes UKIS UKIS Applicatios Stadards compliace CPU EEPROM Algorithm Other Features POS Termials Persoalisatio Debit / Credit UKIS 3.0, VIS 1.2, EMV 2.0, ISO M68HC05SC46 1, 3K bytes Triple DES Multi-applicatio architecture Yes Yes CC60 CC80 CC1000 Applicatios Electroic Purse Advaced Electroic Purse Optioal applicatios e.g. Loyalty, ID Multi-Electroic Purse Optioal applicatios e.g. Loyalty, ID CC Product Rage Stadards compliace CPU ISO ,2,3&4, CEN TC224, WG10 ISO ,2,3&4, CEN TC224, WG10 ISO ,2,3&4, CEN TC224, WG10 ST16601 SC46 ST16SF48 EEPROM 1K byte 1.3K bytes 8K bytes Algorithm Triple DES Triple DES Triple DES Other Features Optioal Easy Etry Optioal Easy Etry Optioal EMV Select Data Eciphermet Optio POS Termials Yes No Yes Persoalisatio Yes No Yes 1997 / 98 The Iteratioal Smart Card Idustry Guide

172 172 Directory of Compaies Modex Modex Applicatios Compoet Modex Mask Embeddig Service POS Termials Persoalisatio/ Eablemet/ Customisatio Electroic Cash Hitachi 3102 or 3109 MM4/5 Yes Yes Yes EMV Applicatios Stadards Compliace CPU EEPROM Algorithm Other Features Services EMV Platform Multi-Purpose EMV 3.0, ISO SLE44CR160S 16K bytes DES, RSA, Ehaced DES, SHA & MD5 Secure applicatio loadig Applicatio developmet o a project basis Applicatios Compoet Footprit DS Geeral Purpose SC mm 2 TB100 Geeral Purpose ad Security SC mm 2 EMV Data Memory 1K byte, CMOS (EEPROM) ISO Protocol T=0 3K bytes, HCMOS ISO T=0 Algorithm DES DES Availability Now Now The Iteratioal Smart Card Idustry Guide 1997 / 98

173 Directory of Compaies 173 SIM1 SIM2 SIM3 SIM4 GSM Phase 1 Phase 2 Phase 2 Phase 2 GSM SIM Cards Voltage EEPROM Optioal DDL* 5V 1K byte No 5V 8K byte Yes 3-5V 8K byte Yes 3-5V 16K byte Yes Algorithm COMP 128 or XOR COMP 128 or XOR COMP 128 or XOR COMP 128 or XOR Optioal New Services No No No Yes *DDL: Data DowLoad proprietary protocol from De La Rue MASK DX DX Plus Super DX Compoet Philips 83C852 Philips 83C858 Philips 83C858 Algorithm RSA RSA RSA, DES, SHA, MD5 Cryptographic Micro-Processor Cards Key Size Up to 512 bytes Up to 1024 bytes Up to 1024 bytes Computatio Time TBA 512 bits 500ms 150ms 768 bits - 315ms 1024 bits - 610ms Data Memory 2K bytes CMOS 8K bytes CMOS 8K bytes CMOS (EEPROM) ISO ISO ISO (Simplified Access Rights) (Simplified Access Rights) (Full Access Rights) Protocol T=0 T=0 T=0, T=1 Operatioal Codig Yes Yes Yes Availability Now Now Q / 98 The Iteratioal Smart Card Idustry Guide

174 174 Directory of Compaies Type D256 D416 D104 D192 Compoet ST1200 TMS3562 SLE416 Philips PCF 7960 ST1305 Multi-Purpose Memory Cards Toke Memory Cards Footprit Iterface Memory Capacity Protected Zoe Toke Number Couter Type Type Compoet Footprit EEPROM R/W Cycles Write Protect Access Code Protocol Power Supply 1.4mm 2 7 cotacts NMOS EPROM 256 bits D2000 PCB2032 SLE mm 2 2K bytes 100K 32 bytes No 2.18mm 2 7 cotacts CMOS EEPROM 416 bits 2.2mm 2 5 cotacts D32000 PCB2042 SLE mm 2 2K bytes 100K 32 bytes PIN S=10 S=10 NMOS EEPROM 104 bits 4.5V - 5.5V 4.5V - 5.5V 1.8mm 2 5 cotacts CMOS EEPROM 192 bits 96 bits 208 bits 24 (+40) bits bits Abacus Abacus Abacus Type D2000 D4000 D32000 D64000 Compoet ST14C02 24LC04/ ST14C04 24LC32/ ST15E32F 24C65 24LC65 Free-Access Memory Cards Footprit EEPROM R/W Cycles Write Protect Protocol 3.4mm 2 2K bytes 100K No 4.2mm 2 4K bytes 100K No 32K bytes 100K No 64K bytes 100K No I 2 C(S=8) I 2 C(S=8) I 2 C(S=8) I 2 C(S=8) ATR Power Supply No No No No 2.7V - 5.5V 2.7V - 5.5V 2.7V - 5.5V 2.7V - 5.5V The Iteratioal Smart Card Idustry Guide 1997 / 98

175 Directory of Compaies 175 MASK DX DX Plus Super DX Compoet Philips 83C852 Philips 83C858 Philips 83C858 Algorithm RSA RSA RSA, DES, SHA, MD5 Cryptographic Micro-Processor Cards Key Size Up to 512 bytes Up to 1024 bytes Up to 1024 bytes Computatio Time TBA 512 bits 500ms 150ms 768 bits - 315ms 1024 bits - 610ms Data Memory 2K bytes CMOS 8K bytes CMOS 8K bytes CMOS (EEPROM) ISO ISO ISO (Simplified Access Rights) (Simplified Access Rights) (Full Access Rights) Protocol T=0 T=0 T=0, T=1 Operatioal Codig Yes Yes Yes Availability Now Now Q2 98 Reader / Ecoder Product Rage Type PE 100 PE122 PE132 PE135 PE144 Housig PCMCIA Table Top Table Top Iteral 3½ Table Top Table Top Reliability (cycles mi) Display Keyboard Exteral Iterface Flow Cotrol Adjustable Speed (bps) Var. Clock Frequecy Asychroous Card Protocols 100, , , , ,000 No No No No 1 x 16 No No No No 1 x 16 Host Host Host Host Host / Stad Aloe No Yes Yes No Yes N/A No 4 & 8 MHz 4 & 8 MHz 2.5 & 5 MHz 4 & 8 MHz T=0, T=1 T=0, T=1 T=0, T=1 No T=0, T=1 Sychroous Card Protocols I 2 C I 2 C I 2 C Yes I 2 C S=8, 9, 10 S=10 Power Supply Security Card Iterface Remote Loadig Optioal Chaiig PCMCIA Mouse support Mouse support Mouse support AC/DC adapter No No No No Yes No No No No Yes (4Q97) No No Yes Yes No 1997 / 98 The Iteratioal Smart Card Idustry Guide

176 176 Directory of Compaies Trasactio Termials Termial Feature Eclipse TT41 The flagship termial i the De La Rue product rage is the revolutioary Eclipse TT41 which hadles debit card, credit card ad EMV (Europay, MasterCard ad Visa) stadard Smart Cards as well as multiple Smart Card applicatios icludig electroic purse, loyalty ad pre-paymet schemes Equiox EP41 The Equiox EP41 is the complete purse solutio, capable of hadlig a rage of electroic purse applicatios icludig Modex, Visa Cash, Geldkarte, Chipkip ad Proto. F105 Electroic Purse Termial Developed ad desiged specifically for the requiremets of Modex ad Visa Cash F95 Micropos Desiged maily for those retailers with o previous experiece of a electroic card paymet termial, the F95 Micropos is easy to use ad provides immediate befits for retailers across a rage of markets. The termial processes all major debit, credit store charge ad Smart Cards ad excels at automatig card trasactios at the poit of sale. F85 Trasactio Termial Providig a powerful processig capability i a compact ad versatile device, the F85 has a modular desig which makes it ideal for a extesive rage of applicatios such as o-lie ad o-lie EFTPOS systems, Loyalty schemes, Prepaymet systems, Electroic Purse Systems, Coectio to Cheque Readers ad Biometric Sigature Verificatio. Purse Upgrade Package As a low-cost ad low-risk route to Smart Card capability, De La Rue Card Systems provides its customers with a combiatio of a SAM Box ad PIN Pad or SAM Box ad Customer Iput Device to upgrade existig termials to accomodate Smart Cards. Sam Box This black box features 2 serial ports ad 4 SAM slots for the upgrade of existig POS termials to accomodate Smart Card fuctioality. F8000 Pi Pad Rage From the stadard model, through various optios to the combied magetic stripe/smart Card versio, together with the F8050 PIN Pad Cotroller, De La Rue Card Systems ca provide a effective solutio to all PIN hadlig requiremets EP32 Customer Iput Device TRIPOS Solutio To eable fast, customer friedly, ad efficiet processig of electroic purse paymets, the EP32 is a cost effective customer activated uit The rapidly growig iteret commerce market has created demad for a secure method of makig paymets for goods ad services sold over the iteret. TriPOS is a software package which cosists of a Paymet Server, Message Server ad Termial Despatch Trigger Mechaism which together with a We site gives retailers of all sizes a etry poit ito tradig over the Net. Usig the package, merchats will receive order details ad paymet via their i-store trasactio termials The Iteratioal Smart Card Idustry Guide 1997 / 98

177 Directory of Compaies 177 DelPhic Card Systems Ashchurch Busiess Cetre, Alexadra Way, Tewkesbury, Gloucestershire, GL20 8NB, UK Tel: +44 (0) Fax: +44 (0) Geeral Maager: Darrell Bares Techical Maager: Didier Serodo Joit veture aouced i May 1993 brought together the expertise i the maufacture ad persoalisatio of paymet cards of De La Rue Plc, ad the IC Card techology experiece of Philips, Smart Cards & Systems. Headquartered i Tewkesbury, Eglad, DelPhic targets the UK ad Republic of Irelad markets for sales of its Smart Card products ad services. Microprocessor, memory ad toke cards; IC card readers ad trasactio termials; software - itroductio kits, developmet tools, persoalisatio tools ad bespoke developmets. SERVICES Persoalisatio IC ecodig with thermal pritig, laser egravig or embossig. Systems ad support - strategic plaig, cosultacy, system desig, busiess case aalysis, project maagemet, traiig. Departmet of Trade ad Idustry (DTI) Galliford Buildig, Gayto Road, Milto Malsor, Northampto NN7 3AQ, UK Tel: +44 (0) Fax: +44 (0) Cotact: Athoy Luch, Export Promoter Athoy Luch, secoded to the DTI, has bee ivolved i a rage of export related activities as Export Promoter. He has bee ivolved i helpig compaies i the Smart Card sectors to make cotacts i Frace ad has bee part of the DTI team promotig iter-coutry cooperatio o stadards. SERVICES Smart Card Services: Export assistace, joit vetures, distributors/agets. DigiCash, Ic. Head Office: 100 South Ellsworth Aveue, 9th Floor, Sa Mateo, Califoria 94401, USA Tel: Fax: Web site: Chief Executive Officer: Michael C Nash Fouder & Chief Techology Officer: Dr David Chaum Smart Card cotact: Wouter Habrake, Maager, Busiess Developmet Address: DigiCash bv, Kruislaa 419, 1098 VA Amsterdam, The Netherlads Tel: Fax: Subsidiaries: DigiCash bv, Kruislaa 419, 1098 VA Amsterdam, The Netherlads Tel: Fax: DigiCash Pty Ltd., Level 29, Chifley Towers, 2 Chifley Square, Sydey, Australia NSW 2000 Tel: Fax: / 98 The Iteratioal Smart Card Idustry Guide

178 178 Directory of Compaies Fouded i 1990, DigiCash bv is a pioeer i the field of electroic paymet techology. DigiCash s primary activity has bee: to develop ad licese paymet techology products - chip card, software oly, ad hybrid that both show the true capability of techology to protect the iterests of all participats ad are competitive i the market. DigiCash offers complete solutios for all electroic paymet eeds. REFERENCES MEI - Mars Electroics Iteratioal, EPS Trasactie Systeme bv, Amtech Corporatio BLUE: Blue Smartcard Operatig System DigiCash provides advaced chip operatig system techology for low-cost Smart Cards. Developed i Europe, Blue is a family of Smart Cards that offers all the elemets ecessary to set up a Stored Value system. With Blue, multi-party security is ot just a optio. All card fuctios have a cosistet high level of security. Strog cryptography is used to protect card commuicatio agaist tamperig ad eavesdroppig. Commads issued to the card are combied i secure sessios which do ot allow ay of the parties to chage the order of commad executio. Durig a sessio, data is autheticated by the card, ad (after successful executio) a fial proof of executio (i.e. receipt) is give with either Secret-key or Public-key sigatures, or both. DigiCash Access Cotrol Uit: CICA RVS, (DigiCash Access Cotrol Uit) The DigiCash Access Cotrol Uit is a microprocessor based versatile card acceptor that ca be used with ay Smart Card. The circuit board is cotaied i a weather-resistat plastic ier-casig ad a stailess steel outer-casig. The uit is fully programmable i stadard C programmig laguage. It ca be securely reprogrammed while i the field through the Smart Card slot, without opeig the case. I off-lie operatio, the uit coects to a small access slave board to activate a electric doorlock. The ovolatile memory is sufficiet to store a list of allowed card umbers ad log iserted cards. Whe used o-lie, the uit ca commuicate with ay cetral access computer to validate ad moitor the card umbers. Facility Card: Marketed ad distributed by EPS Trasactie Systeme bv A advaced pre-paid Smart Card system for closed site cash replacemet; it securely automates vedig machie, poit of sale, phoe ad photocopier paymets, access cotrol, time/attedace systems ad other services based o DigiCash techology ad distributed by EPS Trasactie Systeme bv. It is ow operatioal i schools, hospitals, idustry, offices, ad recreatioal sites. Value Added Resellers Sellig, istallig ad maitaiig Facility Card is doe by value added resellers, EPS Trasactie Systeme bv of the Netherlads. I The Netherlads, Facility Card is marketed by EPS. There are ow over 150,000 cards i use at more tha 60 sites i The Netherlads. For more iformatio o the Facility Card cotact: EPS Trasactie Systeme bv Trasportweg 28Nieuwkoop 2421 LS Netherlads. Tel: Fax: MultiCard Smart MultiCard Smart is a facilities maagemet systems marketed ad distributed by Mars Electroic Iteratioal (MEI) ad based o licesed DigiCash techology. It features robust idustry stadard techology ad delivers complete facilities maagemet requiremets while providig flexibility for eeds of all sites, of varyig size ad complexity. Product lie icludes: Smart Card Card reader for vedig POS termial Revaluatio termial Guest termial System maager Card reader for access cotrol For further iformatio o MultiCard Smart cotact: MEI - Mars Electroics Iteatioal, Eskdale Road, Wiersh Triagle, Wokigham, Berkshire, RG41 5AQ UK. Tel: +44 (0) The Iteratioal Smart Card Idustry Guide 1997 / 98

179 Directory of Compaies Fax: +44 (0) Web site: Dioe Developmets Limited Dioe House, Clivede Office Village, Lacaster Road, High Wycombe, Bucks, HP12 3YZ, UK Tel: +44 (0) Fax: +44 (0) Smart Card cotacts: Bria Todd, Sales Maager Richard Parsos, Marketig Executive icludig Visa Cash ad Modex. Upgradable i the field, Xchequer ca be used to replace all existig EFTPOS termials because it has bee desiged with a low cost, magetic card, etry level model that ca easily be upgraded to Smart Card i the merchat s store. The Smart Card module simply plugs i ad software is dowloaded. REFERENCES The compay has a cliet base that icludes Natioal Westmister Bak, Midlad Bak, Royal Bak of Scotlad, Marks & Specer, Boots the Chemist, Ladbrokes, Stadard Bak ad may more. Dioe is based i High Wycombe, Eglad, ad is the UK s umber oe maufacturer of EFTPOS termials, umber ie i Europe ad umber three i Africa. The compay s oe stop rage of services icludes electroic ad mechaical desig ad developmet, large scale productio egieerig, project maagemet ad system desig. Dioe provides electoic termials to a umber of leadig baks ad also supports stadaloe EFTPOS, EPOS itegrated ad other Smart Card systems icludig customer loyalty. Through a etwork of agets ad distributirs, Dioe s termials are istalled i may coutries worldwide. The compay has recetly ivested i a modular rage of products to deliver the ewest stadards ad applicatios (eg EMV, Visa Cash, Modex, customer loyalty). Dioe s termials are the oly EFTPOS termials that use Exta-C, a virtual machie writte specifically for the electroic paymets idustry. Exta-C allows storage of up to 10 times more applicatios o a termial ad makes dowloadig of ew programs faster ad less expesive. Xchequer - Smart Card EFTPOS Termial Xchequer is a ext geeratio solutio for Smart Card stadards set by Europay, MasterCard ad Visa (EMV). It provides future proof Smart Card fuctioality for all electroic paymet schemes Dreifus Associates Ltd PO Box , Logwood, FL , USA Tel: Fax: Geeral iformatio equiries - Maagig Director: Hery Dreifus Dreifus Associates offers cosultig, systems developmet ad itegratio services to corporate ad govermet cliets o advaced card techologies. Its scope is iteratioal. SERVICES Idepedet cosultacy. DW ad DL Davies (Parters) 15 Hawkewood Road, Subury-o-Thames, Middlesex, TW16 6HL, UK Tel: +44 (0) Fax: +44 (0) / 98 The Iteratioal Smart Card Idustry Guide

180 180 Directory of Compaies Cotact: Dr Doald W Davies, CBE, FRS Dr Doald Davies has worked i iformatio security ad cryptography for 20 years, followig pioeerig work o computer etworkig. Iitially cosultig for baks ad other fiacial istitutios (SWIFT, CHAPS, BACS, ad others i may coutries) he has more recetly advised satellite TV broadcasters cocerig Smart Card access cotrol systems, which preset uusual security problems. Other Smart Card applicatios o which Dr Davies has give advice ad helped improve the desig iclude cash cards, electroic purses ad utility pre-paymet meters. As expert witess, he has assisted i several crimial ad civil cases cocerig card fraud, Smart Card ad cryptographic patets, IPR disputes ad pirate Smart Cards. His log experiece i computers, commuicatios ad iformatio security eables him to idetify the essetials of a security problem quickly ad, i may cases, suggest efficiet ad ecoomic solutios. Paret compay: DyaSoft AB, Areavage 29, Box 10704, S , Stockholm, Swede DyaSoft was established i 1986 with a charter from the Swedish Govermet to develop UNIX security solutios. It bega with a firm focus o compay security, ad later expaded ito Smart Cards ad public key ecryptio. DyaSoft ow provides security solutios accross a broad spectre of systems ad platforms, icludig UNIX, Widows 3.x, 95 ad NT. The DyaSoft product rage is used by over 130 corporate customers worldwide, from govermet ad telecoms, to the fiacial sector ad the petrochemical idustry. SERVICES Secure Sigle Sig-O usig Smart Cards as a optio. SERVICES Cosultacy o security ad cryptography of ICC applicatios. DyaSoft (UK) Ltd 8 South Parade, Summertow, Oxford, OX2 7JL, UK Tel: +44 (0) Fax: +44 (0) Web site: Maagig Director: Has Tholader Marketig Director: Rupert Coles Smart Card cotact: Dee O Brie Fax: +44 (0) dz damark a-s Sadbaekvej 10, DK-2610 Roedovre, Demark Tel: Fax: Maagig Director: Flemmig Breiholt Smart Card cotact: Thomas Kudssoe, Sales Maager dz damark a-s is part of the Graphium group which also icludes dz-filad, ID Kort i Swede ad Norway ad is as such, the leadig plastic card maufacturer i the Nordic coutries with a market share of 75% i Demark. It has Smart Card productio facilities i Copehage with a capacity of some six millio Smart Cards a year. Sice the itroductio of the DANMØNT The Iteratioal Smart Card Idustry Guide 1997 / 98

181 Directory of Compaies 181 electroic purse, dz damark a-s has take a active part i the supply of cards ad durig the first 10 moths of 1995 supplied 185,000 to Daish customers which is a substatial part of the total umber of cards supplied. It has also developed ad supplied GSM cards ad has a curret productio of 1.millio GSM cards per year. The compay markets Smart Cards i its two geographic primary markets - the Nordic coutries, icludig the Baltic States, ad South East Asia. Semicoductors All Siemes ad Motorola Cards PVC, PET, ABS ad wood Smart Card Devices GSM cards, telecards, electroic purse cards, multi-applicatio cards ad all kid of custom made products. SERVICES Suppliers of the Playcard system for games, gamblig ad vedig machies. Active i Italy, Germay, Greece ad Israel. Playcard s key feature is its security. The chip has four differet codes relatig to the system s producer, the distributor, the operator ad the locatio. Playcard system for card-operated vedig poits i hotels, campig sites ad amusemet parks. Emilia Express Distribuidora Ltda Head Office: Av. Nacoes Uidas level Sao Paulo SP Brazil Tel: Fax: Maagig Director: Flavio Ferris Zai Marketig Director: Pietro Biselli E Card artwork desig ad pritig Electrical ad graphical persoalizatio Card packagig ad mailig Smart Card applicatios Cosultacy services Outsourcig service Cotact ame: Eduardo Faucchi Emmarc Ltd 5 Wymodley Close, Hitchi, Hertfordshire, SG4 9PW, UK Tel / Fax: +44 (0) Web site: homepages/emmarc ELMAC Via G Colombo 19, Rubao Padova, Italy Tel: Fax: Maagig Director: Tiziao Tredese Smart Card cotact: Atoio Storti Director - Clive H Jekis Emmarc Ltd ad its techical expertise withi the digital world of computers has brought its products ad services to the media of cards. This has geerated ew procedures ad products for the card idustry ad ed user alike. A umber of 1997 / 98 The Iteratioal Smart Card Idustry Guide

182 182 Directory of Compaies patets have bee applied for due to research ito this ew market area. The compay will maufacture its products where eeded, but also out-sources uder licece some of the maufacturig process. Kleekard A rage of cleaig cards. Suitable for cleaig card termials ad card devices icludig magetic, Smart Card, chip card ad laser techologies. Kardkeep A special card sleeve for cards. Suitable for the protectio ad itegrity of card data ad iformatio. Eschedé / Sdu bv Ja va Krimpeweg 19, PO Box 5300, 2000 GH Haarlem, The Netherlads Tel: Fax: Maagig Director: C A G d Agolo Marketig Maager: F J Zwarts Eschedé / Sdu is a leadig compay i the field of developmet, desig, productio ad persoalisatio of security (Smart) Cards ad documets i a secured eviromet. It is active i (Smart) Card systems for fiacial, govermetal, trasport, retail ad healthcare sectors. Eschedé / Sdu supplies Smart / memory cards for idetificatio (ID cards with photograph ad / or biometrics), paymet (electroic purse), telecommuicatio (telephoe cards) ad loyalty systems. Number of employees 260 with a et turover of 80 millio Dutch gilders. REFERENCES Eshedé / Sdu supplies the govermet, bakig, (public) trasport, idustry ad healthcare sectors. EPS Trasactie Systeme b.v Trasportweg 2, 2421 LS Nieuwkoop, The Netherlads Tel: Fax: Geeral Maager: ir R D H Dirkse Marketig Maager: D G C Zuydervliet EPS is a Dutch market leader i paymet systems. Sice 1994 EPS markets the multi-fuctioal chipcard system facility Card, which is a joitdevelopmet with DigiCash Ic ad which offers complete solutios with regard to paymet (vedig machies, cash registers, copiers, priters, etc.) idetificatio, access cotrol, time & attedace ad maagemet (budget registratio, price differetiatio, audit, etc,). Furthermore EPS ad Mars Electroics Iteratioal have developed electroic purse card readers for Modex ad for the Dutch ChipKip ad Chipper. Systems: Multi-fuctioal Smart Card system for paymet ad maagemet facilities, facility Card Cards: ISO 7816, Motorola SC21 chip Card readers: facility Card ad electroic purse ChipKip/Chipper ERG Limited Balcatta Road, Balcatta, Perth,Wester Australia 6021 Tel: Fax: Chairma: Alexader (Sady) Murdoch The Iteratioal Smart Card Idustry Guide 1997 / 98

183 Directory of Compaies 183 Chief Executive: Peter Fogarty ERG Group of Compaies AES Prodata Holdigs Limited ERG Telecommuicatios Pty Ltd Card Systems ad Services - Quicklik Card Systems Ltd ERG Limited (ERG) is a world leader i the developmet ad supply of techology advaced telecommuicatios products ad Automated Fare Collectio (AFC) products ad systems ad Stored Value Card (SVC) systems. Headquartered i Australia, ERG also has extesive offshore operatios with maufacturig ad/or sales ad marketig bases i seve coutries icludig Belgium, Caada, Hog Kog, Frace, Scadiavia ad the Uited Kigdom. The Compay has over 850 employees worldwide. Sice its establishmet i 1984, ERG has grow sigificatly ad is ow oe of Australia s fastest growig idustrial compaies. ERG s Maufacturig Divisio is accredited to ISO9001 stadards ad has maufacturig plats i Perth, Australia; ad Brussels, Belgium. Further maufacturig capacity is utilised i Caada ad the Uited Kigdom. ERG comprises of three core operatig divisios: telecommuicatios (ERG Telecommuicatios), Automated Fare Collectio (AES Prodata) ad Card Systems ad Services (QuickLik) ERG Telecommuicatios Busiess Areas: Pagig systems, GSM digital cellular etworks, rural telecommuicatios, broadbad pay-tv ad telephoy. Products & Services: Pagig trasmitters, GSM base trasceiver statios (i alliace with Nokia), home itegrated services uits (i alliace with ADC), sigle ad dual chael radio systems. Firmly established i the Asia-Pacific regio as a major developer ad supplier of radio frequecy equipmet, particularly pagig trasmitters. ERG Telecommuicatios (ERGT) is ow expadig its operatios ito broadbad systems ad rural telecommuicatios. It is also expadig its distributio ito the Europea ad US markets. As a maufacturer ad origial equipmet maufacturer (OEM) supplier, ERGT supplies products to major regioal carriers icludig Hog Kog Telecom, Cable & Wireless, Hutchiso, ad Telstra via parterships with Nokia, Philips, LG Iformatio & Commuicatios (formerly Goldstar) of Korea, Matrix ad Lik Telecommuicatios. Through LG Iformatio & Commuicatios, ERGT has gaied a remarkable 40 per cet share of the pagig base market i Korea. Global Systems for Mobiles (GSM) Base Trasceiver Statios maufactured by ERGT are a key compoet i digital cellular mobile telephoe etworks. ERG has a successful strategic alliace with Nokia Telecommuicatios of Filad to supply the base statio requiremets of Optus Commuicatios i Australia ad Bell South i New Zealad. Other cotacts have bee secured i the Asia-Pacific regio ad equipmet maufactured by ERG has bee exported aroud the world. I February 1996, ERG formed a major strategic alliace with ADC Telecommuicatios Ic, a leadig US telecommuicatios equipmet ad system supplier. Uder the alliace ADC has licesed ERG to maufacture for ADC, the Home Itegrated Services Uit (H-ISU) ad other broadbad coectivity products, for supply to Optus Visio ad other prospective customers i the regio. AES Prodata Holdigs Limited (See separate etry) Card Systems ad Services Busiess Areas: Stored Value Card (SVC) systems utilisig Smart card techology. Products & Services: Turkey SVC systems, ad associated peripherals (i alliace with Baksys). ERG s Card Systems ad Services Divisio implemeted the QuickLik Pilot i Newcastle, New South Wales, uder a agreemet with the 1997 / 98 The Iteratioal Smart Card Idustry Guide

184 184 Directory of Compaies New South Wales Govermet. The QuickLik Pilot has operated sice November 1995 ad grew to be oe of the largest SVC projects i the world. The cards ca be used at service providers for a rage of goods ad services, icludig makig telephoe calls at Telstra payphoes, purchases from Coca Cola vedig machies ad buyig tickets at CityRail statios. Major service providers which have participated i the Pilot iclude: Australia Post, BP, Credit Uio Services, Corporatio (Australia) Limited, McDoalds, Natioal Australia Bak, Newcastle Uiversity Uio ad the State Trasit Authority. Smaller service providers iclude ewsagets, chemists, cafes ad hotels. ERG s successful alliace with the Belgia compay Baksys, has resulted i the techology developed by Baksys beig adapted to meet Australia requiremets. Maufacturig The Group has maufacturig facilities, supplemeted by subcotract capacity, i four coutries ad is cotiuig to develop this capability. The mai productio cetre is i Perth, Wester Australia, with a additioal maufacturig plat i Ath. Research & Developmet ERG ivested $31.6 millio, equivalet to 19% of reveue, i research ad developmet i Euclid Ltd Uit 18, The Oakwood Cetre, Dowley Road, Havat, Hats P09 2NP, UK Tel: +44 (0) Fax: +44 (0) Smart Card cotact: Geoffrey Neal, Maagig Director Fouded i 1985, Euclid develops customised hardware ad software for systems usig plastic cards. The techologies spa magetic stripe through to large scale developmets with most types of Smart Card. Euclid 600 series Automated ecoders for magetic stripe cards with models for cotact ad cotactless Smart Cards. Euclid 90 series Ecoders / testers for Smart Cards - memory ad microprocessor types. SERVICES Card iitialisatio, persoalisatio, mail out ad cosultacy. Europay Iteratioal SA Head Office: chaussúe de Tervure 198A, B-1410 Waterloo, Belgium Tel: Fax: Web site: Chief Executive Officer: Louis-Noúl Joly Geeral Maager, Commercial Affairs: Fracis va de Bosch Smart Card cotact: Geoffroy de Schrevel, Seior Maager, Risk Services ad Chip Market Itroductio Fax: Cards Paymet products ad services icludig the brads eurocheque, edc/maestro, Cirrus + Eurocard - MasterCard The Iteratioal Smart Card Idustry Guide 1997 / 98

185 Directory of Compaies 185 Every Card Verlags GmbH Tel: Fax: Web site: Cotact: Has H Huber Card Forum Iteratioal is published bimothly ad focuses o the iformatio eed of decisiomakers i the rapidly growig idustry of cardbased applicatios ad techologies. Cofereces ad trade publicatios o all types of cards. F Fabrica Nacioal de Moeda y Timbre Jorge Jua 106, Madrid, Spai Tel: Fax: Sales Director, Cards: Javier Perez-Garcia FNMT, the Spaish atioal Mit, produces Smart Cards ad provides persoalisatio services ad systems itegratio. The Federatio of the Electroic Idustry (FEI) Russell Square House, Russell Square, Lodo, WC18 5EE, UK Tel: +44 (0) Fax: +44 (0) Web site: Maagig Director: Athoy Parish Smart Card cotact: Keith A Wood Tel: +44 (0) Fax:+44 (0) The Federatio of Electroics Idustry is a trade associatio for the UK IT, electroics, commuicatios, office equipmet ad furiture sectors. It is recogised by the Departmet of Trade ad Idustry (DTI) as a major trade associatio i electroics ad iflueces the Europea trade associatios, the Europea Commissio ad UK govermet policy makig ad regulatio. Amogst its activities it is supportig the settig up of the UK Smart Card Forum ad discussig the potetial beefits of formig a Europea Forum. It is also establishig relatioships with both the US Smart Card Forum ad Australia s Asia Pacific Smart Card Forum to build a global lik. FIME Testig Ceter 4 rue A.Kastler, Cae, Frace Tel: +33 (0) Fax: +33 (0) Web site: Maagig Director: C Deflesselles. Testig services Testig tools REFERENCES Afor, Europay, Gie-CB / 98 The Iteratioal Smart Card Idustry Guide

186 186 Directory of Compaies First Data Resources (FDR) Products, FDR House, Christopher Marti Road, Basildo, Essex SS14 9AA, UK Tel: +44 (0) Fax: +44 (0) Smart Card cotact: Virgiia Homewood, Maager, Products First Data Resources (FDR) is the largest operatig uit of First Data Corporatio, a world leader i third-party card trasactio processig ad related services. Established i 1971 ad headquartered i Omaha, Nebraska, FDR hadles data processig services for over 700 card issuig ad acquirig cliets worldwide. FDR bega processig i the Uited Kigdom i 1988 ad, i 1991, acquired Siget, the UK s largest third party processor. FDR Limited ow has a processig base of 12 millio cards ad over 150,000 merchat locatios i the UK ad Eire. SERVICES FDR is supportig its UK cliets with the migratio from magetic stripe to chip card techology. Developmet is based o UK atioal (APACS) ad iteratioal (EMV) specificatios. Existig rage of magstripe-oly services ad products will be exteded to support combied magstripe/chip ad chip oly products icludig card persoalisatio, authorisatio, security, fraud prevetio, merchat acquisitio, settlemet ad statemetig. New techology will be available to support traditioal applicatios such as credit ad debit ad ew applicatios such as Stored Value. Maagig Director: Ra Graot Techology developers of the Cryptochips, the micro-electroic circuits which are revolutioisig the applicatios of Smart Card techology i terms of speed, security ad reliability, Fortress also codesiged a advaced multi-applicatio, multivedor operatig system, SCOS++. This operatig system is compatible with idustry stadards ad requiremets, ad is both secure ad user-friedly. Desig activities iclude MAP ad PKC Library Crypto Smart Card IC solutios for the SGS Thomso CF54 ad the Motorola SC49 Desig of cryptographic co-processors ad emulators for public key ad symmetric algorithms ISO PKC Operatig System (OS), with the popular electroic purse optios for termial Smart Card trasactios Public key cryptographic (PKC) systems ad Smart Cards Cryptographic autheticators for ew geeratio protected memory cards Security applicatio desig ad developmet Applicatio Activities Iclude Off-lie re-loadable PKC Smart Card trasportatio ad commercial systems Global public key paymet schemes - offlie ad remote Fastest respose public key toll road ICs Health card systems with PKC protectio Public key trasportatio secure paymet systems Fortress U&T Head Office: 34 Yehoshua Hatzoref Street, POB 10072, Beer Sheva 8400, Israel Tel: Fax: Frace Telecom Délégatio aux services de l Image, Directio de Programme Visiopass, 103 rue de Greelle, Paris, Frace Tel: +33 (0) Fax: +33 (0) Maagig Director: Jea Pierre Coustel The Iteratioal Smart Card Idustry Guide 1997 / 98

187 Directory of Compaies 187 Marketig Director: Yves Cascalès Smart Card cotact: Alai Michelet, Iteratioal Busiess Maager, DP VISIOPASS Tel: +33 (0) Fax: +33 (0) Frace Telecom has bee deeply ivolved i the use of Smart Cards for telephoy with the Frace Telecom card. It has developed pay-tv applicatios with the Visiopass Programme usig the Viaccess access cotrol system also licesed to a umber of maufacturers. REFERENCES Viaccess is beig used by the three mai Frech cable operators (Lyoaise Commuicatio, CGV ad Frace Telecom Cable). Service offers iclude four movie chaels like Caal+, Caal+16/9, Cie-Ciemas ad Cie-Ciefil, Pay radio ad two Impulse Pay-per-view chaels. Customers also iclude Scadiavia pay-tv operators like Kievik ad FilmNet ad Dutch cable operators KTA ad Casema. More tha 1.4 millio Viaccess pay-tv Smart Cards are i operatio i Europe. Viaccess Access Cotrol System Viaccess ca be implemeted o a umber of differet TV sigals like PAL, SECAM, NTSC, D2MAC ad was demostrated o digital DVB/MPEG2 sigals eablig Frace Telecom ad its customers to itroduce digital TV services like Video O Demad (VOD). Subscriber access rights recorded o a Smart Card eable viewers to descramble programmes. The system is based o three priciples: (1) ecodig-scramblig of the programmes by the programme provider at the broadcastig cetre, uder the Viaccess access cotrol software; (2) descramblig of the programmes i the termial restorig the sigals correspodig to the access rights registered i the subscriber Smart Card; (3) trasactio maagemet which cosists of registerig, through the TV sigal, access rights o subscriber cards iserted i the termial. PC (Porte-Clé) Cards PC2 cards are used i the system ad each bears a idetificatio umber ad provides secure storage o Etitlemet Maagemet Messages set by the Subscriber Authorisatio System. The card icludes secret operatig ad maagemet keys eablig it to activate descramblig ad provide the termial with the required iformatio. Its microprocessor is divided ito several zoes allocated to the various service providers so that each ca maage its service autoomously, create ew programmes ad develop their ow commercial strategy. A cofidetial code ca be set to prevet childre from watchig usuitable programmes. PC2 Disposable Card is a low cost o-reusable card for purchasig evet-related programmes i payper-view. PC2.2 is a re-usable card (EEPROM techology) ad allows preview features i case of Impulse Pay-Per-View services. G Galaxy Registratio Ic North Market Street, PO Box 868, Frederick, Marylad 21701, USA Tel: Fax: Chief Operatig Officer: Robert N Lucke Europea Affiliate: Galaxy Expocard Europe, Bisospoor 343 (Tower 6), 3605 J W Maarsse, The Netherlads Tel: Fax: Cotact: Cees F Th de Busser, CEO For the past 14 years Galaxy has bee providig iformatio maagemet to trade shows ad covetios withi the Uited States. I December 1991 it lauched Expocard, a Smart Card-based system ow used at over 150 trade shows with a 1997 / 98 The Iteratioal Smart Card Idustry Guide

188 188 Directory of Compaies average of 10,000 visitors ad 300 exhibitig compaies. Galaxy Expocard Registratio & Data Maagemet System Expocards (2K ad 4K bytes EEPROM cards) are issued to all visitors ad ecoded with their persoal details ad product iterests obtaied from the registratio form. Exhibitors ret Expocard readers, desiged by Galaxy, for their stads. By isertig the card ito the reader, the visitor ca covey his product iterests ad persoal profile quickly to the exhibitors while the exhibitor receives a immediate prit-out of the cotets of the Smart Card. The visitor s data is stored i the reader for future use. Trasactios are logged so that show producers are able to track leads for each exhibitor as well as the traffic patters of visitors. The card ca also be used at a product locator which sorts ad prits out a special directory of exhibitors ad their stad locatios. At cofereces, the card is used to gai admittace to the various sessios. Door attedats use hadheld termials to read the delegate s card to esure that he or she is authorised to atted that particular sessio, ad to record access. This provides the coferece admiistratio with accurate iformatio o the umber of attedees from which to judge the iterest level of the subject for plaig future evets. Gemplus BP 100, Gemeos Cedex, Frace Tel: +33 (0) Fax: +33 (0) Maagig Director: Marc Lassus Sales ad Marketig Director: Pascal Didier Web-site: Gemplus Paris, 34 rue Guyemer, Issy-les- Moulieaux Cedex, Frace. Tel: +33 (0) Fax: +33 (0) Gemplus PSI, 1 place de la Méditerraée, Sarcelles, Frace. Tel: +33 (0) Fax: +33 (0) Gemplus NV, Brixtolaa 2E, 1930 Zavetem, Belgium. Tel: Fax: Gemplus BV, Riethaa 36, LP Capelle a/d IJSSEL, The Netherlads. Tel: Fax: Gemplus Card Iteratioal GmbH, Mercedesstrasse 13, Postfach 1246, Filderstadt, Germay. Tel: Fax: Gemplus MIDS GmbH, D Here, Germay. Tel: Fax: Gemplus Espaãa SA, Plaza de Coló 2, Torre 1 - Plata 10, Madrid, Spai. Tel: Fax: Gemplus Italia Srl, Via Cetro Colleoi, Palazzo Orioe, Igresso 3, Agrate Briaza (MI), Italy. Tel: Fax: Gemplus Ltd., New Lae, Havat, Hampshire, PO9 2NR, UK. Tel: +44 (0) Fax: +44 (0) Gemplus Corp, 5288 Valley Idustrial Blvd. South, Shakopee, MN 55379, USA. Tel: Fax: Gemplus Corp., 101 Park Drive, Motgomeryville, PA , USA. Tel: Fax: Gemplus Caada Icorporated, 1 place Ville Marie, Bureau 2822, Motreal H3B 4R4, Caada. Tel: Fax: Gemplus Card Iteratioal de Mexico SA, Codomiio Palmas, Av del paseo de las Palmas, 731, Piso 10, Col. Lomas de Barrilaco, Mexico City, Mexico. Tel: /42 83/ Fax: Gemplus Johaesburg, c/o NET 1 Products, 4th Floor, Presidet Place, Cr. Ja Smute Aveue & Bolto Road, Johaesburg, South Africa. Tel: Fax: Gemplus Dubaï, P O Box 61229, Jebel Ali Free Zoe, Uited Arab Emirates. Tel: Fax: Gemplus Techologies Asia Pte. Ltd., 89 Sciece Park Drive #04-01/05, The Rutherford Sigapore Sciece Park, Sigapore , Sigapore. Tel: Fax: Gemplus Techologies / Australasia, 12 Tryo Road, Lidfield NSW 2070, Australia. Tel: Fax; Gemplus Hog Kog, Uit 1085 Hog Kog Iteratioal Trade & Exhibitio Cetre, 1, Trademart Drive, Wag Chi Street, Kowloo Bay, Kowloo, Hog Kog. Tel: Fax: The Iteratioal Smart Card Idustry Guide 1997 / 98

189 Directory of Compaies 189 Gemplus Moscow, Malaya Pirogovskaya, d.14, Moscow, Russia. Tel: /51 Fax: Tiaji Gemplus Smart Cards Co. Ltd, 3, Fukag Road, Nakai District, Tiaji, Chia. Tel/Fax: Gemplus Taiwa, 11F-6, No 188, Nakig E. Rd, Sec.5 Tapei R.O.C. Tel: Fax: Gemplus Do Brazil Produtos, Eletroicos Ltda, Rua Badeira Palista 600, Cojuto 62, Sao Paulo, Brazil. Tel: Fax: Gemplus Chia, Blk A Room 902, Bejig Asia Plaza Commercial Buildig, No, 2, Azhe Xi Li Area 5, Chaoyag District, Bejig , Chia. Tel: /3/4 Fax: healthcare, trasportatio, vedig, meterig physical ad electroic access cotrol. Memory Cards Gemplus Free-access Memory Cards (GFM) These cards provide straight-forward, o-volatile, re-writable memory with o idetificatio or access cotrol mechaism. GFM cards are used for applicatios requirig a portable data carrier i which data security is ot a critical issue. GFM product rage Gemplus Japa Co. Ltd, 3 Floor, Gobacho Ceter Bldg, 10-2 Gobacho Chiyoda-ku, Tokoya 102, Japa. Tel: Fax: Product Memory Capacity Geeral Characteristics Applicatios Gemplus Dallas, 6600 LBJ Freeway, Suite 109, Dallas, Texas 75420, USA. Tel: Fax: Gemplus Corporatio, 6701 Democracy Boulevard, Suite 505, Bethesda, MD USA. Tel: GMF2K GMF4K 2048 bits 4096 bits No access restrictios, sigle 5V power supply, I 2 C commuicatio protocol Health, maiteace, portable file Gemplus Argetia SA, AV Alicia M de Justo 1150 Piso 3 of 306, CP 1107, Puerto Madeo, Bueos Aries, Argetia. Tel: Fax: Gemplus BV, Larsbjomsstraede-1454, Copehage 3, Demark. Tel: Fax: Gemplus Card de Veezuela, Av Romulo Gallegos, Edif.Poliprima, Piso 9, of 9-B, Sebuca, Veezuela. Tel: Fax: Gemplus Corporatio - Sa Fracisco,1650 South Amphlett Blvd, Suite 212, Sa Mateo, CA , USA. Tel: Fax: Created i May 1988, Gemplus is the world s leadig maufacturer of Smart Cards. I mid-1995 it acquired from DataCard its plastic PVC magetic cards activity ad persoalisatio service cetres makig it the world leader i both plastic ad Smart Card products with a yearly productio capacity of 750 millio cards ad a iteratioal presece i 26 coutries. Gemplus delivers its products to more tha 85 coutries i applicatios such as bakig, electroic purse, loyalty, telecommuicatios (payphoe ad GSM cards), pay TV, iformatio highway, gamig, Gemplus Protected Memory Cards (GPM) GPM cards offer a suitable level of security for a wide rage of applicatios. Withi the GPM family there are two types of products: toke memory cards desiged to be used as pre-paid payphoe cards or ay other pre-paid service; ad multi-purpose memory cards to provide a low-cost solutio for applicatios such as private electroic purse, compay card, club card or loyalty card. GPM Toke product rage Product Max. Toke Cout Power Supply GPM Multi-purpose product rage Additioal Characteristics Protocol Compatability GMP V 6 cotacts GMP271 32,768 5V Ati-tearig, extra user area GMP256 GMP103 23,679 5V 5 cotacts Product Idetificatio area (bits ROM) Applicatio area (bits) Erase Operatios GMP max. GMP Ulimited/128 max Geeral Characteristics Erase ad update cotrol via password 1997 / 98 The Iteratioal Smart Card Idustry Guide

190 190 Directory of Compaies Gemplus Autheticated Memory Cards (GAM) These cards provide a higher security level of memory protectio as well as additioal operatioal flexibility. GAM cards have the capability to actively autheticate themselves whe challeged, thus reachig security levels which were ot attaiable o previous geeratio memory cards. GAM Product Rage Product Max. Toke Cout Additioal Characteristics Compatability* Secret Key Radom Nb/ Aswer Legth GAM144 33,352 Active Autheticatio usig Security Module GPM bits 32/4 bits GAM226 32,768 Ati-pull-out protectio GPM bits 48/16 bits GAM273 32,768 Exteded user area for Fixed Diallig Number GPM256** 64 bits 32/4 bits GAM275 32,768 GPM bits 32/4 bits *After persoalisatio. **With mior software adaptatios i the applicatio termial. COS Product Rage MPCOS16K MCOS24K MPCOS24K MPCOS64K No-volatile memory 16 kbits 24 kbits 24 kbits 64 kbits Operatig system MPCOS COS/MCOS MPCOS MPCOS Microprocessor Cards Gemplus COS (Chip Operatig System) Products COS mai fuctios iclude physical memory access, memory maagemet ad secret key maagemet. Either idetifiers or file umbers may be used to address the memory cotets. The secret code set icludes 1 issuer code ad 7 dedicated codes per directory. Directory memory orgaisatio with up to 32 directories ad up to 255 files per directory. Security features - Read, Write ad Update - ca be protected by secret codes. Optios: cryptographic scheme based o DES algorithm, card customisatio (this feature eables additioal fuctioality to be icluded i the COS card for the specific eeds of a applicatio) ad MPCOS operatig system. PCOS ad MPCOS Product Rage PCOS MPCOS16K MPCOS24K MPCOS64K No-volatile memory 8 kbits 16 kbits 24 kbits 64 kbits Protocol T=0 Yes Yes Yes Yes Protocol T=1 No Optioal Optioal Optioal ISO 7816 compliace /2/ /2/3/4/ /2/3/4/ /2/3/4/5 Fast commuicatio (up to 115kb) No Yes Yes Yes Operatig system PCOS MPCOS MPCOS MPCOS The Iteratioal Smart Card Idustry Guide 1997 / 98

191 Directory of Compaies 191 SIM 1 Gem X3 Gem X8 No-volatile memory 1K bytes 3K bytes 8K bytes Optioal customisatio Yes Yes Yes GSM phase 1 1 ad 2 1 ad 2 GSM compliace 3-x ADM commad set Gemplus TE-9 profile 2 TE-9 profile 2 PCOS (Paymet Chip Operatig System) Products These cards are targeted at paymet applicatios whether it be a credit card, a debit card or a electroic purse. PCOS cotrols the secure maagemet of the accouts held i the card. There ca be totally idepedet accouts o the same card. The PCOS lie of Smart Cards ow icludes MPCOS which icorporates a larger memory capacity, coforms to the latest stadards, multiapplicatio support ad the capability to perform rapid trasactios for applicatios such as toll paymet. Gemplus Cotactless Cards The Gemplus cotactless product lie CL8K has the followig characteristics - rewriteable EEPROM memory, 30,000 read/write operatios (miimum), memory retetio 10 years miimum, hard-wired security cotrollig memory access. Cotactless Card Total Memory Applicatio memory GCL8K 8K bits 6K bits (16 sectors x 3 blocks x 128 bits) Uique service umber Locked i block 0 Smart Card News O-Lie Our iteractive website eables you to sed us iformatio o Smart Card idustry stories, ad also features a dowloadable template for the Smart Card Library, oe of the most popular sectios of the site. If you have a Smart Card scheme that you would like us to feature please dowload the template, ad fill i the relevat sectios, ad retur it to us via alog with a sca of the card. We will the update the Library with the ew iformatio. If you require help or geeral advice about the website, please cotact David Lavelle at the SCN Graphics Departmet who will be pleased to assist you. Visit our website today. Security Blocks Security Fuctios Specificity RF commuicatio frequecy Distace of commuicatio i optimum coditios Speed of commuicatio EEPROM write cycle (delete, write, check RF trasmissio) 2K bits ( block x 128 bits), access coditio ad 2 secret keys Bilateral active autheticatio ad ecrypted trasmissio (wire logic algorithm ad radom geeratio). Electroic purse fuctio with idepedet credit/debit cotrol keys Ati-collisio 1356 MHz up to 10 cms 100 Kbits/sec 11 ms/block of 128 bits icludig autheticatio 1997 / 98 The Iteratioal Smart Card Idustry Guide

192 192 Directory of Compaies Geeral Iformatio Systems Ltd 8/9 Bridge Street, Cambridge, CB2 1UA, UK Tel: +44 (0) Fax: +44 (0) Cotact: Christopher Curry GIS has a i-house team of hardware ad software egieers with particular experiece i Smart Card systems ad specialises i itegratig state of the art techology ito card applicatios such as image compressig ad biometrics. The compay has a joit veture with Hog Kogbased Surface Mout Techology, the automated assembly divisio of Willas Array Holdigs, oe of the largest electroic compoet distributers i the Far East, to eable ew product developmet ad volume maufacturig to be achieved speedily ad ecoomically. GIS works closely with OKI Electric of Japa ad has licesed the operatig system OSCAR to OKI who market Smart Cards worldwide usig OSCAR. It also has a collaboratio agreemet with US³ i the Uited States to provide techical ad applicatios support to US³ customers. OSCAR (Ope Smart Card Access Routie) A complete applicatios developmet system desiged aroud the OKI MSM Smart Card microcotroller. The system icludes a card reader that fits ito the 5.25 ich disc drive slot o a PC, a serial iterface card to the PC bus ad two OKI 8K byte Smart Cards. Software icludes a set of utility programs for user familiarisatio ad a library of card access routies for rapid applicatios developmet. Programmig mauals ad a itroductory guide for applicatio developers are also provided. The OSCAR structure eables a umber of virtual cards to be cotaied withi oe physical card so differet applicatios ca co-exist o a sigle card. Each applicatio is allowed its ow file structure ad its ow set of passwords if required. Applicatios iclude medical records, access cotrol ad electroic purse systems. Keylie Termial A low-cost laptop computer with itegral card reader/writer ad iteral modem for coectio to a telephoe lie. This uit is primarily specified as a trasactio termial for domestic use ad is approved for coectio to the PSTN. Challeger Low-cost had-held card read/write uit with display ad keyboard for applicatios such as iteractive televisio, market research, loyalty schemes, etc. The uit is equipped with ifra-red ad DTMF commuicatios ad ca be cofigured for modem use. Challeger has a PC-based DTMF receivig statio called the Respodet for automated receptio ad processig of data from the uit. Smart Mouse SM1 Smart Card reader/writer for coectio to a PC via RS232. It is self-powered from the RS232 port. Drive statio card readers CS525 ad CD350 perform idetically to the SM1 but fit ito the drive slots o the PC. Uiversal Smart Mouse SM3 This versio of the rage of Smart Mice provides RS232 coectio to a reader/writer to full ISO 7816 for commuicatig with all kow 5 volt Smart Cards ad capable, by virtue of its iteral processor, of reprogrammig for protocols as yet uspecified. Trasactor The GIS electroic purse uit with keyboard ad display sets up trasfer betwee two cards simultaeously iserted i the Trasactor. SERVICES GIS ca provide a complete service for Smart Card applicatios from idea to implemetatio. It has expertise i silico desig of custom processors ad ASICs, operatig system specificatio ad desig, hardware desig ad assembly, idustrial desig, compoet sourcig ad volume productio. Giesecke & Devriet GmbH Prizregetestrae 159, Muich, Germay The Iteratioal Smart Card Idustry Guide 1997 / 98

193 Directory of Compaies 193 Chip Descriptio Export Licece Memory Chips SLE 4406, SLE 4406 E, SLE 4407, ST 1304, ST 1305, PCF 7960, PCS 7960, security couter o rechargeable Prepaid Card (phoecard, toke card for medical equipmet, gamig machies, etc.) (module M1) No Memory Chips SLE 4412, ST 1200, TMS 3562, o rechargeable Prepaid card, less safe tha memory chips listed above, (module M2) No Memory Chips SLE 4433, SLE 4436, SLE 4436 E, SLE 5533, SLE 5536, PCB 2233, ST 1335, ST 1333, ST 1332, o rechargeable Prepaid card with autheticatio, phoecard (module M3) No Memory Chips SLE 4402, SLE 4404, ST 1301, ST 1031A with security logic ad PIN verificatio Phoecard (subscriber card), ID card, rechargeable up to 64 times, (module M1.2), Visa Cash disposable cards No Memory Chip 2 ST 14C02, EEPROM 2K bit, PC bus Portable file No Microcotroller Motorola SC 21, EEPROM 3K byte, ROM 6K byte Uiversal mask supportig up to 5 differet applicatios Yes SLE 4432, EEPROM, 2K bit, first 32 bytes irreversibly cofigurable as ROM Germa atioal health isurace card, ID card, portable file No SLE 4442, EEPROM, 2K bit, first 32 bytes irreversibly cofigurable as ROM, 24 bit programmable security memory (PIN) Germa private health isurace card No SLE 4418, EEPROM, 8K bit, bytewise irreversibly cofigurable as ROM ID card, portable file No SLE 4428, EEPROM, 8K bit, bytewise irreversibly cofigurable as ROM, PIN verificatio logic (write/erase) ID card with PIN logic No Microcotroller Siemes SLE 44C40 ROM mask: STARCOS S1.1 Smart Card with ISO 7816 ad EMV96 compliat multifuctioal operatig system, <4K byte EEPROM available for the user (discotiued model) Yes Microcotroller Siemes SLE 44C80 ROM mask: STARCOS S1.1 Smart Card with ISO 7816 ad EMV96 compliat multifuctioal operatig system, <8K byte EEPROM available for the user (discotiued model) Yes Microcotroller Siemes SLE 44C40S ROM mask: STARCOS S1.2 Smart Card with ISO 7816 ad EMV96 compliat multifuctioal operatig system, <4K byte EEPROM available for the user (discotiued model) Yes Microcotroller Siemes SLE 44C20S ROM mask: STARCOS S2.1 Smart Card with ISO 7816 ad EMV96 compliat multifuctioal operatig system, 1.5K byte EEPROM available for the user Microcotroller Siemes SLE 44C42S ROM mask: STARCOS S2.1 Smart Card with ISO 7816 ad EMV96 compliat multifuctioal operatig system, 3.5K byte EEPROM available for the user Yes Microcotroller Siemes SLE 44C80S ROM mask: STARCOS S2.1 Smart Card with ISO 7816 ad EMV96 compliat multifuctioal operatig system, 7.5K byte EEPROM available for the user Yes Microcotroller Siemes SLE 44C160S ROM mask: STARCOS S2.1 Smart Card with ISO 7816 ad EMV96 compliat multifuctioal operatig system, 15.5K byte EEPROM available for the user Yes Microcotroller Siemes SLE 44CR80S with itegrated crypto-processor for public key (PK) algorithms ROM mask: STARCOS SPK2.1 Smart Card with ISO 7816 ad EMV96 compliat multifuctioal operatig system, suitable for digital sigatures; ca 3K byte EEPROM available for the user Yes Microcotroller Siemes SLE 44C42S ROM mask: STARCOS SV1.0 Smart Card with VISA Cash V1.5+VEE+STARCOS S2.1 fuctioality ca. 2K byte EEPROM available for the user Yes Microcotroller Motorola MC 68HC05SC21 EEPROM 3K byte, applicatio specific mask Mobile Telecommuicatio GSM phases 1 ad 2 No Microcotroller Siemes SLE 44C80S EEPROM 8K byte, applicatio specific mask Mobile Telecommuicatio GSM phases 1 ad 2 No Microcotroller Siemes SLE 44C160S EEPROM 16K byte, applicatio specific mask Mobile Telecommuicatio GSM phases 1 ad 2 No Microcotroller Motorola MC 68HC05SC28 EEPROM 8K byte, applicatio specific mask Mobile Telecommuicatio GSM phases 1 ad 2 No Microcotroller SGS Thompso ST16SF48 EEPROM 8K byte, applicatio specific mask Mobile Telecommuicatio GSM phases 1 ad 2 No 1997 / 98 The Iteratioal Smart Card Idustry Guide

194 194 Directory of Compaies Tel: Fax: Web-site: Maagig Director: Jürge K. Nehls Marketig Director: Dr.Rolf Niemczyk Smart Card cotact: Dr. Rolf Niemczyk Fouded i Leipzig i 1852 as a firm of specialist priters, Giesecke & Devriet has evolved ito a importat iteratioal group of compaies supplyig paymet media securities, cards for a wide variety of applicatios, bakote processig equipmet ad complete idetificatio ad paymet trasactio systems. The Giesecke & Devriet Group, headquartered i Muich, has a strog iteratioal orietatio. Group compaies operate i Australia, Belgium, Caada, Greece, Hog Kog, Mexico, Sigapore, Spai ad the USA as well as Germay, ad joit vetures have bee set up both domestically ad i Russia. The group employs more tha 4,300 people worldwide, with well over 1,000 outside Germay. G&D gives high priority to research ad developmet, ivestig over 7 per cet of its turover i these activities. Over 500 employees are ivolved i developig ew products ad cocepts. The Compay played a major part i developig ad supplyig techology for the eurocheque system. I the years sice the cocept was successfully lauched, the compay has become a leadig supplier of cards ad compoets for cardbased paymet systems. G&D developed the MM code which - icorporated i all cash dispesig machies i Germay - protect trasactios made with the eurocheque (ec) card agaist fraud. I the field of electroic cash, Giesecke & Devriet s paymet termials are market leaders. Oe of the compay s most recet developmets is the electroic purse for cashless paymet of small sums. Austria has recetly successfully completed a atio-wide lauch of the world s first multifuctio ec card with electroic purse, based o Smart Card techology from Giesecke & Devriet. I 1996 a field trial was performed by the Germa bakig sector i souther Germay to test the ext-geeratio eurocheque card: the Geldkarte with icorporated microprocessor, Giesecke & Devriet supplied all the compoets eeded for the trial, i.e, card, Smart Card operatig system ad termials. Giesecke & Devriet has cosistetly used its techological lead i the field of cards ad Smart Card operatig systems - may of the fudametal patets i this area are Giesecke & Devriet s - to gai etry to ew markets outside classical paymet systems. The compay was istrumetal i desigig the global stadard for mobile commuicatios ad is ow oe of the leadig suppliers of GSM cards. The Compay also played a major part i developig the highly successful prepaid phoe card. (see table o previous page) Gilles Leroux SA 96 Aveue Eugee-Milo, Loury 45470, Frace Tel: +33 (0) Fax: +33 (0) Maagig Director: Gilles Leroux Tel: +33 (0) Smart Card cotact: Guillaume Gricourt A leadig Frech desig ad developmet compay specialisig i equipmet for the productio of Smart Cards. It offers a rage of stadard machies of modular desig which ca be adapted to existig systems to operate either as separate uits (off-lie) allowig flexibility of productio or as liked uits for cotiuous productio (i-lie). The compay also desigs ad maufactures to customer specificatios. The Iteratioal Smart Card Idustry Guide 1997 / 98

195 Directory of Compaies 195 Card Puch Machies Type DB / to puch cards oe at a time from guillotied bads (geerally six to 10 cards log). The card positio is determied by a optical sesor which idetifies a prited mark or the magetic stripe. Accuracy: 0.05mm width ways, 0.1mm legthways. Output: 9,000 to 10,000 cards/hour. Type DF/ to puch cards oe at a time from sheets (30 to 60 cards) guillotied from the sheet withi the machie. Accuracy: 0.05mm width ways, 0.1mm legthways. Output: 9,000 to 10,000 cards/hour. Pocket Millig Machies Type FR2/ to machie the pocket for the prepuched chip i two cards simultaeously. Accuracy: X,Y,Z axes ±0.01mm. Output: 1,000 to 1,500 cards/hour. Type FR2/1000 (Simplified FRT / 1200) - to machie the pocket for the pre-puched chip i two cards simultaeously i pairs of cards or card by card. Accuracy: X,Y,Z axes ±0.01mm. Output: 1,000 cards/hour. Type FR4/ to machie the pocket for the prepuched chip i four cards simultaeously. Accuracy: X,Y,Z axes ±0.01mm. Output: 3,000 to 3,500 cards/hour. Pre-persoalisatio of Chips o Film Type MTE hard ad soft testig of the chip, writig i the memory, ispectio, blowig the fuse, idetifyig defective chips. Output: 4,000 chips/hour. Chip Isertio Machies Type ENC to puch, positio ad bod the micro-chip ito the pocket of pre-machied cards. Output: 1,000 cards/hour. Type ENC to puch, positio ad bod the micro-chip ito the pocket of pre-machied cards. Output: 1,600 cards/hour. Type ENC to puch, positio ad bod the chips ito the pockets of pre-machied cards. Output: 3,000 cards/hour. Persoalisatio of Smart Cards Type MP ad Type MP to test the chips ad ecode the applicatio i groups of six cards i parallel after assembly ad before boxig ad/or wrappig. Output: 3,000 to 3,500 cards/hour (subject to test/ecodig programme applicatio). Card Coutig ad Boxig Machie Type EMB - optical coutig of cards ad automatic box fillig. Output: 9,000 cards/hour. I-lie Trasfer Coveyor Type DLM to lik machies for cotiuous card productio. Allows the likig of puchig machie to pocket millig machie, pocket millig to chip isertio, chip isertio to either a test machie or persoalisatio machie. GiroVed Cashless Systems (Europe, Far East) GiroVed Cashless Systems PLC 6, Progress Busiess Cetre, Whittle Parkway, Bath Road, Slough, SL1 6DQ, Berkshire, UK Tel: +44 (0) Fax: +44 (0) Chief Executive: Richard E Smart Owership: Public compay listed o the Lodo Stock Exchage Distributors: Cotact Charles Trace, Iteratioal Sales Director. Tel: +44 (0) Fax: +44 (0) GPT AXXICON BV PO Box 237, 5700 AE Helmod, The Netherlads Tel: Fax: Group Marketig Maager: Hugo Vuures Smart Card cotact: Eric de Bruij, Iteratioal Sales Egieer 1997 / 98 The Iteratioal Smart Card Idustry Guide

196 196 Directory of Compaies GPT AXXICON is a leadig maufacturer of high precisio moulds. It has developed a card body maufacturig system based o ijectio mouldig ad I Mould Labellig for costeffective small batch card productio. SMARTLINER Productio Uit This four cavity modular system uit offers flexible chip hole maufacturig to accommodate differet chip desigs, flexible card body decoratio for quick chage-overs i card appearace, exchageable mould islads to produce cards i differet plastics, elimiatio of secodary operatios e.g. degatig (cuttig of the sprues or waste material i the mould, ad pritig), ad optimum reuse of waste material. Output per system is 2,500 cards per hour. GPT Card Techology Card Techology House, New Cetury Park (off Allard Way), PO Box 53, Covetry, CV3 1HJ, UK Tel: +44 (0) Fax: +44 (0) Chief Executive: Paul Seward GPT Card Techology has bee formed to address the growig demad for high techology cards ad has become oe of the UK s largest supplier of Smart Cards. The compay is growig rapidly ad already supplies over 100 millio cards per year worldwide. The ew idepedet divisio of GPT Payphoe Systems beefits from the backig of GEC ad Siemes to supply: GIM (GPT Imprit Magetic) secure magetic cards GIS (GPT Itegrated Smart) cotact Smart Cards GIC (GPT Itegrated Cotactless) cotactless Smart Cards The ability to maufacture ad supply this rage of card products to more tha 50 coutries worldwide is uique. These cards are fidig icreasig applicatios i: phoecards, data storage (health cards), parkig ad traffic cotrol, vedig, fare collectio, secure access ad idetificatio. Card delivery services iclude a Premiere Service with seve day delivery. GIM Card The GIM Card provides a low cost ad secure prepaymet card. The high coercivity magetic strip is embedded beeath a plastic layer to resist abrasio. Desiged primarily for use as a prepaid card from which credits may be decremeted i paymet for goods ad services, it is also suitable as a customer loyalty card. Card use ca provide beefits from improved cash flow, elimiatio of coi collectio costs, ehaced brad loyalty, icreased security ad reduced vadalism. GIS Card The major applicatios of GIS is i telecommuicatios for payphoes ad GSM/PCS. GIS cards are also expadig ito areas icludig fiacial, medical, security, loyalty ad other cosumer markets. The rapidly expadig use of cotact cards has established a worldwide stadard for small memory cards. These stadards are extedig to more demadig applicatios ivolvig microprocessors. The GIS cards have full 4 colour photographic quality graphics o the cards, with ew desigs which ca be tured aroud i a few days. GIC Card GIC cards are importat for applicatios where speed of throughput is sigificat or where evirometal coditios are challegig. The card is operated by simply holdig it ear to the reader. As the card ad its reader are totally sealed, the system ca be made very reliable ad free from maiteace or vadalism. GPT Payphoe Systems Edge Lae, Liverpool, L7 9NW, UK Tel:+44(0) Fax:+44(0) The Iteratioal Smart Card Idustry Guide 1997 / 98

197 Directory of Compaies 197 Maagig Director: Toy Cobb Marketig Director: Albert Madall Smart Card cotact: Aliso Colquhou (Tel: +44 (0) ) GPT Payphoe Systems supplies itelliget payphoes to customers worldwide. Its Smart Card productio plat has the capability of two millio Smart Cards per moth ad GPT is the UK s largest maufacturer of prepay telephoe cards. GPT produces payphoe termials capable of acceptig most available memory cards ad is actively ivolved i a umber of electroic purse developmets. Its PC-based maagemet system provides flexible ad easy to use facilities for smaller PTTs or private operators, while its top of the rage miicomputer based systems ca cotrol a atioal etwork. Together these three product lies represet a family of payphoes offerig coi ad card services for all types of locatio. They ca be liked ito GPT maagemet systems to provide a fully-maaged payphoe service. Diamod ad Gem are also available as stad-aloe termials. Guar Klei AB Reustieruas Gata 14, S Stockholm, Swede Tel: Fax: Smart Card cotact: Guar Klei SERVICES Guar Klei offers cosultacy services for busiess developmet with Smart Cards ad techical advice, particularly o electroic sigature, healthcare ad stadardisatio Cards (See etry uder GPT Card Techology) Payphoes Sapphire rage The Sapphire payphoe rage is desiged for public locatios ad is available i all paymet optios. Features iclude the ability to remotely dowload coi chages, tariff iformatio ad other operatioal data to idividual payphoes from Payphoe Maagemet Systems. Dual card reader for Smart prepay cards, credit cards ad PTT charge cards. EPROM/EEPROM cards ca be used ad a upgrade to microprocessor cards is possible. Diamod rage Diamod semi-public Smart Card payphoes are desiged for semi-protected locatios such as hospitals, airports ad shoppig malls. The phoe s dual purpose card reader accepts ISO/ETSI stadard Smart ad credit cards. Gemcard rage Desiged for supervised locatios such as receptio desks, hotel rooms ad airport louges. They accept ISO stadard magetic ad Smart Cards. GyD Ibérica S.A. Idustria 3-5, E Sat Joa Despí (Barceloa), Spai Tel: Fax: Web site: Geeral Maagers: Víctor Campdelacreu ad Adreas Lewe Smart Card cotact: Adrés García Established i 1987, GyD Ibérica forms part of the Germa multi-atioal corporatio Giesecke & Devriet. The firm offers global solutios for card systems. Its mai activities are the desig, maufacturig ad marketig of plastic, Smart ad cotactless cards ad termials. The firm is a official maufacturer ad service bureau of Visa, MasterCard ad Europay, ad is a mai supplier of payphoe cards for the Spaish Telephoe Compay, Telefóica / 98 The Iteratioal Smart Card Idustry Guide

198 198 Directory of Compaies The product rage also icludes memory chip cards for idetificatio ad data file applicatios ad microprocessor chip cards for mobile commuicatios, credit, electroic purse, etc. I this respect, GyD Ibérica is a importat supplier of the GSM operators i Spai ad Portugal, ad provides electroic purse cards to the major Spaish baks. Beig part of a corporatio specialized i security pritig, GyD Ibérica pays substatial attetio to card pritig quality ad is recogized as a leadig supplier i Europe. I 1995, the compay obtaied the ISO 9001 certificate. The firm exports 40% of its productio to other coutries, maily i Europe, Lati America ad the Middle East. GyD Ibérica has a wide rage of Smart Card termials, from portable or PC-coectable readers to POS termials for electroic purse. The persoalizatio ceters of Barceloa, Madrid ad Lisbo, equipped with advaced electroic systems, offer a complete card persoalizatio ad lettershop service. The auditig ad cotrol systems implemeted at these ceters guaratee the highest level of security ad cofidetiality whe hadlig the customer s data. Created i 1982, The Harpur Group operates i six coutries ad is split ito two divisios: Harpur Card Services, which is dedicated to providig fuel card processig services to oil compaies aroud the world that have their ow private label cards; ad Harpur Iteratioal, which covers the Group s ow label card activity such as Overdrive ad Dialcard i the UK ad MotorPass i Australia. Harpur processes more tha 880,000 cards worldwide ad has about 33,000 corporate customers which accout for over 100,000 trasactios per day ad has a turover of 600 millio per aum i fuel sales. AND SERVICES Harpur proposes a stored value card for the purchase of fuel ad other products such as carwash ad auto-related services. The Harpur systems also have the ability to process loyalty cards. I additio to this, Harpur offers a list of services i order to perform ad expad a corporate fleet card such as: H The Harpur Group Immeuble Petra A, rue Albert Caquot, Parc de Sophia Atipolis, Biot, Frace Tel: +33 (0) Fax: +33 (0) Web site: Smart Card cotacts: Samuel de Sait-Lauret, Product Maager Smart Cards Carlo Giglio Tos, Busiess Developmet Director card productio ad distributio (magetic stripe ad Smart Card) data collectio of both maual ad electroic trasactios, verificatio ad clearig of data stop list maagemet direct iterfaces with baks for paymet ad collectios ivoicig i the customer s currecy, with detailed VAT aalysis by product ad VAT category local currecy paymets made to retailers retailers documetatio i their preferred laguage iteratioal trasactio processig maagemet reports ivoicig at pump price or price list, both of which may be rebated retailer ad customer helpdesks processig of third party trasactios arrears maagemet The Iteratioal Smart Card Idustry Guide 1997 / 98

199 Directory of Compaies 199 Harpur ca also act as a cosultat for customers wishig to set up their ow fleet or loyalty card operatios, i.e. through the evaluatio of busiess requiremets, project scopig, feasibility studies ad establishmet of fuctioal specificatio. HID Corporatio Chambers Road, Tusti, CA 92780, USA Tel: PROX (7769) Fax: Web site: Presidet: Do Nelso Vice Presidet Marketig: Do Small Smart Card cotact: Dore Hibbard Tel: Fax: HID Corporatio, a subsidiary of Palomar Techologies Corporatio, is globally recogized as the leader i the developmet ad productio of Radio Frequecy idetificatio devices SmartProx Semicoductors RFID + Memory, ad/ or cotact microprocessor Cards ISO stadard, cotactless memory. plus: coresidet cotact memory or co-residet cotact microprocessor REFERENCES Norther Computers, Cardkey, Westighouse/ Schlage High Co. Techologies Parc club du Golf Bat2, 350 Av. De la Lauzière, Aix E Provece Cedex 3, Frace Tel:+33 (0) Fax:+33 (0) High Co supplies software systems that allow Smart Cards to carry loyalty poits, electroic coupos, gift certificates, tickets, ad other iformatio that is ormally foud i a wallet. High Co s XLS is the idustry s first full fuctio, platform idepedet, multi-applicatio Smart Card system. Multi-applicatio software, loyalty systems Hitachi Europe Ltd Europea Headquarters: Whitebrook Park, Lower Cookham Road, Maidehead, Berks SL6 8YA, UK Tel: +44(0) Fax: +44(0) Smart Card cotact: Ia May, SmartCard Microcomputer Cetre Mager Microcotroller Chips (see tables overleaf) 1997 / 98 The Iteratioal Smart Card Idustry Guide

200 200 Directory of Compaies Type H8/3101 H8/3102 H8/3111 H8/3103 Core H8/300 H8/300 H8/300 H8/300 Architecture 8 bit 8 bit 8 bit CPU ad co-processor 8 bit ROM 10K bytes 16K bytes 12K bytes 20K bytes EEPROM 8K bytes 8K bytes 8K bytes 16K bytes Techology MNOS MNOS CMOS CMOS RAM 256 byte 512 byte 800 byte 512 byte Voltage 5V 3V, 5V 3V, 5V 3V, 5V Power dow Sleep Mode Sleep Mode Sleep Mode Sleep Mode Clock frequecy 10MHz (max.) 10MHz (max.) 10MHz (max.) 10MHz (max.) Operatig curret 20mA/10MHz (ext.) 10mA/5MHz (ext.) 10mA/5MHz (ext.) (5V) 20mA/5MHz (ext.) (5V) 20mA/10MHz (ext.) 10mA/5MHz (ext.) Sleep 100mA (max.) 100mA (max.) 100mA (max.) 100mA (max.) Availability Now Now Now Now Type H8/3151 H8/3152 H8/3153 H8/3154 H8/3112 Core H8/300 H8/300 H8/300 H8/300 H8/300 Architecture 8 bit 8 bit 8 bit 8 bit 8 bit with co-processor ROM 20K bytes 24K bytes 32K bytes 32K bytes 20K bytes EEPROM 4K bytes 8K bytes 16K bytes 32K bytes 8K bytes Techology CMOS 0.5mA CMOS 0.5mA CMOS 0.5mA CMOS 0.5mA CMOS 0.8mA RAM 512 byte 512 byte 512 byte 512 byte 1056 byte Voltage 5V / 3V 5V / 3V 5V / 3V 5V / 3V 5V / 3V Power dow Sleep Mode Sleep Mode Sleep Mode Sleep Mode Sleep Mode Clock frequecy 5MHz ( 1 clock) 5MHz ( 1 clock) 5MHz ( 1 clock) 5MHz ( 1 clock) 10MHz Operatig curret 10mA 10mA 10mA 10mA N/A Sleep 100mA 100mA 100mA 100mA N/A Availability The Iteratioal Smart Card Idustry Guide 1997 / 98

201 Directory of Compaies 201 HTEC Ltd Portswood Road, Southampto, SO17 2LD, UK Tel: +44 (0) Fax: +44 (0) Web site: Maagig Director: Barrie Brikma Marketig Director: David Willmore Smart Card cotact: Mike Moody Maufacturer of magetic stripe ad Smart Cardbased termials. Smart Card termials Hypercom UK Ltd 81 High Street, Esher, Surrey, KT10 9QA, UK Tel: +44 (0) Fax: +44 (0) Cotacts: Richard Lauder for POS iformatio; Terry Jeyes for Network Systems iformatio Hypercom is a leadig supplier of POS equipmet, as well as beig a leadig vedor of legacy applicatios, ATM, LAN, WAN, FR ad voice coectivity ad coferecig. Iclude POS termials with Smart Card readers, as well as its IE rage of products supportig eterprise etworks. I IBM South Bak, 76 Upper Groud, Lodo SE1 9PZ, UK Geeral Maager, IBM Smart Card Solutios: Peter Say Smart Card cotact: Jeremy Davis, Smart Card Solutios Marketig Tel: +44 (0) Fax: +44 (0) Web site: The IBM Smart Card Solutios busiess operatio, headquartered i Lodo, has global resposibility for the research, developmet, sales, marketig ad implemetatio of IBM s Smart Card solutios, products ad services. Icluded i the busiess is the IBM developmet operatio based at the Böeblige Laboratory i Germay, with techical competece cetres at Böeblige ad i Charlotte, NC, USA. Idustry sectors addressed o a global basis iclude bakig ad fiace, retail, travel ad trasportatio, corporate, campus/educatio, govermet, health ad telecommuicatios. Multi-Fuctio Card (MFC) The IBM Multi-Fuctio Card (MFC) is a microprocessor-based cotact card with it s ow card operatig system. The MFC Operatig System is able to support several applicatios o the same card, storig the data ad commads required by each applicatio i differet files. The files are protected from uauthorised access usig the Data Ecryptio Stadard security method. The card is created usig a powerful developmet tool which icreases productivity ad eables files 1997 / 98 The Iteratioal Smart Card Idustry Guide

202 202 Directory of Compaies to be added/deleted after the card has bee issued. As a result, the IBM MFC ca be chaged i lie with busiess eeds throughout it s useful life, support multiple ad complex applicatios such as electroic purse ad idetificatio whilst remaiig secure i the cosumer eviromet. The card uses a Motorola SC28 chip. Chip card Persoalisatio Statio (CPS) CPS was developed as a o-lie, real time system for use at the poit where the cards are distributed ad is directly liked to the Card Maagemet System (CMS). I the case of the multi-fuctio studet card pilot i The Netherlads, the CMS cotais persoal studet iformatio ad iformatio o the course of study, right to fiacial aid, etc. The persoalisatio process ca be completed o-site i about four miutes while the studet waits. A importat advatage is that the iformatio ca be checked, corrected ad added i the presece of the studet. The CPS icludes a priter mutually developed by DataCard ad IBM, a itegrated IBM Multi-Fuctio Card Reader, a IBM persoal computer, a bar code reader, a camera with a PC card, a commuicatios adapter for commuicatios with the CMS ad a cryptographic card from IBM Smart Card Acceptig Device IBM 5948-B02 Iterfaces to ay kid of itelliget Smart Card complyig to ISO Termial attaches to PC type computers which host the Smart Card applicatios. Supports chip card protocols: T=l ad, T=0. It has a reloadable program for customer specific termials. This is a upgrade of the B01 which is removed from marketig. Smart Card Acceptig Device IBM 5948-B03 This device icludes all the fuctioality of the 5948-B02 ad exteds it with stad aloe capability, priter iterface, battery powered data memory ad a real time clock. Both the 5948-B02 ad 5948-B03 are available for itegratio ito system solutios. IBM 4779 Hybrid Smart Card Device This device supports both smart cards complyig to ISO (T=0, T=1) ad magetic stripe cards accordig to ISO ,4,5 ad is compatible to IBM 4777 Magetic Stripe Reader/Ecoders. It provides a maual (model 1) or motorized (model 2) card isertio, 16 key PINpad ad a 80-character LCD display. It maages ecrytio keys usig DES ad RSA algorithms, supports RSA ad DES security fuctios, geerates ad verifies Message Autheticatio Codes compliat with existig stadards. The programmable architecture allows customizatio ad etwork maaged dowload capability. For more iformatio please surf our Smart Card Soluios techical page: SERVICES IBM presets a wide rage of cosultacy ad service offerigs tailored to cliets eeds icludig: aalysis of Smart Card opportuities i cliets busiess areas, busiess re-egieerig through use of Smart Cards, system itegratio - desig ad implemetatio of multi-vedor solutios, bespoke applicatio program developmet, project maagemet services. A micro-module productio facility is available for ecapsulatig chips for supply to card maufacturers. REFERENCES More tha 60,000 Health Isurace Card readers used withi the Germa Health Isurace project. Twety thousad multi-fuctio Smart Cards supplied to three uiversities i The Netherlads for a studet chip card pilot scheme. Supply of 7,000 patiet cards ad 200 healthcare provider cards for the RAMQ (Regie de l assurace-malidie du Quebec) Smart Card pilot i the healthcare system i Quebec. ICL Fiacial Termials AB PO Box 1938, Tekikrige 8, S Liköpig, Swede Tel: Fax: Geeral Maager: Arold Norma Smart Card cotact: Nils-Gora Albisso Tel: Fax: The Iteratioal Smart Card Idustry Guide 1997 / 98

203 Directory of Compaies 203 ICL Fiacial Termials AB is a idepedet compay ad a part of the ICL Fiacial Services Systems i the UK. It is based i Liköpig, Swede, where a exclusive rage of products are desiged, maufactured ad marketed. The compay is committed to Electroic Fuds Trasfer ad has developed a product rage specialisig i card paymet termials (EFTPOS) ad PIN pads. Systems Itegrated or stadaloe EFTPOS systems i sigle or multi-termial eviromet PIN-pads for customer idetificatio, coected to bak brach termials Electroic purse systems PIN-pads ad Termials PaySec 101 PIN-pad family PaySec 103 Out-door PIN-pad PaySec 201 both PIN-pad ad termial fuctioality PaySec 304 termial family All products like PIN-pads ad termials ca be equipped o a optio basis with a Smart Card reader followig the EMV specificatios. SERVICES Security expertise, applicatio program developmet ad project maagemet. REFERENCES Electroic purse systems like: the AVANT system i Filad The ChipKip ad Chipper i Hollad The Cash system i Swede ICL itcetre South Couty Busiess Park, Leopardstow, Dubli 18, Irelad Tel: Fax: Web site: Maagig Director: Aida Daly Busiess Developmet Maager: Darragh Stokes Smart Card cotact: Deise McDoald The ICL itcetre is a wholly owed subsidiary of ICL ad is based i Dubli, Irelad. The itcetre offers leadig edge software developmet capability to ICL ad customers worldwide i specific techical areas. The itcetre has particular expertise i: Object orietatio Graphical user iterface Multi-media tools ad applicatios Smart Card techology PC bakig SmartCity EMS (electroic moey system) SmartCity EMS is a multi-applicatio Smart Card based electroic purse system. The system has bee successfully istalled i over 30 sites worldwide. It is available i two versios. SmartCity EMS 1 is a etry level system which provides a complete electroic purse solutio suitable for pilot schemes or smaller closed user groups. Versio 1 supports up to 5,000 users ad is a ideal lightweight method of eterig the Smart Card eviromet. SmartCity EMS 2 is a full scale electroic purse system suitable for multi-applicatio schemes or those which require a extremely secure Smart 1997 / 98 The Iteratioal Smart Card Idustry Guide

204 204 Directory of Compaies Card eviromet. This system icludes the hardware ad software compoets to support multiple card issuers, purses, currecies ad applicatios. SmartCity EMS is a multi-applicatio card, the cetral focus for which is the electroic purse fuctioality. SmartCity supports up to 8 separate purses ad currecies allowig full flexibility for customers i terms of moey that ca be spet ad i what currecy. Vedig machies, priters, photocopiers, telephoes ad laudry facilities ca all be icorporated ad paymets made for these services usig the Smart Card. I additio to this, the SmartCity card ca be used for door access, computer, etwork or Iteret access, loyalty schemes, access to persoal iformatio or medical iformatio, car parkig or ay other applicatio where access eeds to be cotrolled. All of these applicatios ca be accessed usig the same SmartCity card. The cliet server architecture of its Cetral Maagemet System (CMS) based o relatioal database techology, affords EMS 2 the flexibility, scaleability ad performace to cater for large umbers of cards ad high trasactio values. SmartCity EMS is a fully audited system, esurig greater security ad a fully auditable trasactio trail. As SmartCity ca support stadaloe termials ad devices, full etwork itegratio is ot required but may be supported. This allows SmartCity to ru i eviromets where there is o fully developed telecommuicatios ifrastructure or where stad aloe fuctioality is required, such as o a boat or airplae. Features of EMS Full itegrated ad scaleable system Supports multiple applicatio fuctioality Secure key geeratio ad distributio Cryptographic protectio of data Fully audited trasactios Multiple purse ad multiple currecy Sigle or multiple issuers/acquirers Cliet/server architecture Flexible ad customisable Supports idustry stadards Stadards The SmartCity EMS customer cards are fully compliat with the ISO7816 stadard ad i mid will be complait with the EMV specificatio. Compliace with these stadards esures that a SmartCity EMS system will fully itegrate with other maistream electroic purse systems. ICL Retail Systems Natioal House, Vawall Road, Maidehead, Berkshire, SL6 4UB, UK Tel: +44 (0) Fax: +44 (0) Director ICL Retail, Europe: Warwick Morga Geeral Maager: Mike Keith Smart Card cotact: Ia Chadler ICL is a leadig iformatio techology compay specialisig i systems itegratio i selected markets. Operatig i over 80 coutries with 24,000 employees, it geerated reveues of 2.6 billio i Through its service ad product busiesses, ICL also provides its customers with log-term support ad access to the widest rage of techology. ICL Retail Systems is a autoomous tradig uit withi ICL, employig some 2,000 people ad dedicated to servig the retail idustry through the creatio of effective IT solutios, from poit-ofsale to head office, for retailers i every sector. It is the UK s market leader ad oe of the world s three largest suppliers. ICL is actively ivolved i icorporatig Smart Card techology ito its Retail Systems icludig coformacy with the emergig EMV stadards. REFERENCES 15,000 sites - Frech EFTPOS. Ref: ICL Retail Frace. UK Smart Card projects ot yet i public domai. The Iteratioal Smart Card Idustry Guide 1997 / 98

205 Directory of Compaies 205 A umber of idustry solutios implemeted o a project basis ot yet i public domai. Idetificatio - a rage of cards for idetificatio ad security usig password protectio ad DES, RSA, DSS algorithms allowig customers to select the level of security required. SERVICES Cosultacy ad project-led implemetatios. Icard S.p.A Z.I Marciaise Sud, Marciaise (CE), Italy Tel: Fax: Presidet: Amedeo D Agelo Vice Presidet Sales ad Marketig: Paolo Pepori Customer Service: Sophie Escad Icard, a Europea Smart Card supplier, has bee created to meet the challeges facig the implemetatio of Smart Card applicatios i the years to come. With productio facilities i Caserta, Italy ad Sata Clara, Califoria, Icard employs 320 people worldwide ad has a productio capacity of 120 millio cards aually. Icard combies leadig edge Smart Card desig ad maufacturig techology with applicatios developmet. It is dedicated to meetig the eeds of its customers from coceptio to persoalisatio whether requiremets are for public telephoes, GSM, bakig, paymet, loyalty, idetificatio or upgradig existig applicatios. Paymet - ipurse card, ipay card ad ivalue card, cover the spectrum of paymet requiremets from debit cards through to multi-mode paymet cards that are EMV ad WG10 compatible. Commuicatios - iphoe card, icell card ad iscribe card provide a full rage of pre-paid telephoe cards, GSM ad subscriber cards. Loyalty - the ilik rage of cards cover the requiremets for loyalty schemes. INGENICO SA 9 Quai de Bouto, Puteaux Cedex, Frace Tel: +33 (0) Fax: +33 (0) ,3505 compuserve.com Web site: Presidet ad CEO: Jea-Jacques Poutrel Geeral Maager: Gerard Compai Techical Director: Michel Malhouitre Fiace ad Admiistratio Director: Deis Masseet Commercial Director: Pierre Girardo Subsidiaries INGENICO America Corp 1285 Aveue of the Americas, Suite 3525, New York NY USA Tel: Fax: compuserve.com INGENICO Electroic equipmets Co Ltd Chao Yag District, 7A Hua jia Di, Beijig 10015, The People s Republic of Chia Tel: / Fax: INGENICO Iteratioal Pacific Pty Ltd 9 apollo Street, Warriedwood, NSW 2102 Australia Tel: Fax: INGENICO Hasea GmbH Barkhauseweg 11, Hamburg, Germay Tel: Fax: / 98 The Iteratioal Smart Card Idustry Guide

206 206 Directory of Compaies INGENICO Iteratioal (s) PTE Ltd 96 Somerset Road 16-08, Uol Buildig, Sigapore 0923 Tel: Fax: IDS (INGENICO Data Systems) 9 quai de Dio Bouto, Puteaux Cedex Frace Tel: +33 (0) Fax: +33 (0) IVI INGENICO INC 2655 Le Jeue Road, Suite 201, Coral Gables, Florida 33134, USA Tel: Fax: INTERNATIONAL VERIFACT INC 5621 Arapahoe Aveue, Boulder, Colorado 80303, USA Tel: Fax: INGENICO are leaders i Smart Card based EFTPOS with the largest umber of istalled Smart Card based termials (above 650,000 as of the ed of December 1996). Today, INGENICO has three R&D ceters i Paris, Hamburg ad Sydey ad eight subsidiaries i Australia, Chia, Frace, Germay, Hog Kog, Russia, Sigapore ad the Uited States. ELITE 100 priters complemet termials without itegrated priters but also for ay kid of paymet device or applicatio (PC, ECR.) ELITE 200 cheque writig ad readig uit which optimizes the cheque cashig process by automatig it. ELITE 200 ca be coected as a complemet to PCs, ECRs, EFPOS termials. ELITE 300 wide rage of exteral PINpads for couter top ad had help equipped Smart Card ad magetic stripe readers. ELITE 500 Compact Lie, most successful termial rage which meets all requiremets of o mobile, vehicle based PoS (taxis, delivery vas). The cordless ELITE 630 is ideal where portability is a plus. ELITE 700 mobile termials is INGENICO s sophisticated most up-to-date all-i-oe EFT solutio: both the PINpad ad the priter are itegrated i the termial s case. There are three differet versios: ifrared, local radio ad cellular radios such as GSM, Mobitex, RD-LAP. ELITE 800 a complete rage for emergig electroic purse ad stored value card applicatios such as card to card trasactios, double display electroic purses ad electroic purse reloadig self-service termials. ELITE 2000 a low cost LAN maagemet system (itegratio of up to 99 slave termials usig oe telephoe lie), suited for stores with a large umber of check-out laes. Iovatro Group 1, Rue Dato, Paris, Frace Tel: +33 (0) Fax: +33 (0) Presidet: Rolad Moreo Smart Card cotact: Philippe Le Clech, Director of Iteratioal Operatios SERVICES Licesig of Smart Card pioeer patets. Iside Techologies 11a Parc Club du Golf, Aix e Provece, Frace Tel: +33 (0) Fax: +33 (0) Web site: Maagig Director: Jacek Kowalski Marketig Director: Waqar Qureshi The Iteratioal Smart Card Idustry Guide 1997 / 98

207 Directory of Compaies 207 Smart Card cotact: Waqar Qureshi Iside Techologies was established i December 1994 by Jacek Kowalski, Presidet ad CEO, alog with a team of experieced egieers from the Smart Card idustry. Iside s missio is to be the leadig edge volume chip supplier, differetiated from traditioal Smart Card semicoductor compaies through the use of secure exteral foudry services, ad through iovative techiques i the desig ad implemetatio of secure Smart Card solutios. With more tha 50 ma-years of experiece i the Smart Card idustry, the team possesses skills i the areas of chip security, cotactless commuicatio ad silico maufacturig. Jacek Kowalski, Iside s Presidet ad CEO, was previously the IC desig maager of Gemplus Card Iteratioal for six years, ad before that as IC desiger for SGS-Thomso for four years. He is the holder of 35 iteratioal patets, ad received the Best Ivetor Award by Gemplus i Waqar Qureshi, Iside s Vice Presidet of Marketig ad Sales, was formerly the worldwide Marketig Director of Motorola s Smart Card Divisio, ad helped to expad the busiess to a record $120M durig two years. He has more tha 17 years of semicoductor experiece i LSI Logic, SGS-Thomso, ad Texas Istrumets. Waqar is a Chartered Egieer of the IEE. Semicoductors ICrypt 100L ICrypt 100CL ICrypt 100H ICrypt 100CH MicroCrypt 500A MicroCrypt 500B MicroCrypt 500C MicroCrypt 500R Chip; 125Khz cotactless, 1024 bits EEPROM Chip; 125Khz cotact &cotactless, 1024 bits EEPROM Chip; 13.56Mhz cotactless, 1024 bits EEPROM Chip; 13.56Mhz cotact & cotactless, 1024 bits EEPROM Chip; 13.56Mhz cotact & cotactless, 512 bytes EEPROM Chip; 13.56Mhz cotact & cotactless, 4K bytes EEPROM Chip; 13.56Mhz cotact & cotactless, 8K bytes EEPROM with RSA Chip; 13.56Mhz cotactless Reader 8K bytes EEPROM Smart Cards ICrypt C100L ISO Card; 125Khz cotactless, 1024 bits EEPROM ICrypt C100CL ISO Card; 125Khz cotact &cotactless, 1024 bits EEPROM ICrypt C100H ISO Card; 13.56Mhz cotactless, 1024 bits EEPROM ICrypt C100CH ISO Card; 13.56Mhz cotact & cotactless, 1024 bits EEPROM MicroCrypt C500A Chip; 13.56Mhz cotact & cotactless, 512 bytes EEPROM MicroCrypt C500B Chip; 13.56Mhz cotact & cotactless, 4K bytes EEPROM MicroCrypt C500C Chip; 13.56Mhz cotact & cotactless, 8K bytes EEPROM with RSA Smart Card Devices ReadCrypt 200L 125Khz Micromodule Coupler, with ISO7816 cotrol bus ReadCrypt 200H 13.56Mhz Micromodule Coupler, with ISO7816 & micro bus Thyro T200L 125Khz Cotactless Fiace termial Thyro T200H 13.56Khz Cotactless Fiace termial Stella R200L 125Khz Cotactless Stadaloe Reader System Stella R200H 13.56Mhz Cotactless Stadaloe Reader System MRS A200L 125Khz Cotactless Access Cotrol System MRS A200H 13.56Mhz Cotactless Access Cotrol System Smart Card Services ASIC Smart Card customer specific chips for very high volume systems JAVA Smart Card systems usig JAVACARD products ad applicatios Itellect 1 Brodie-Hall Drive, Betley, WA 6102, Australia Tel: Fax: Web site: Executive Chairma: Ross Leighto Smart Card cotact: Robi Towed Itellect Europe Leuvesesteeweg 540 Bus 5, 1930 Zavetem, Belgium 1997 / 98 The Iteratioal Smart Card Idustry Guide

208 208 Directory of Compaies Tel: Fax: Paret: Itellect Holdigs Limited Itellect provides a comprehesive rage of electroic commerce solutios. Itellect desigs ad develops products which combie to simplify the way cosumers shop, bak ad live. Itellect s termials ad systems use a modular desig that accommodates both magetic stripe ad Smart Card techologies at poit of sale, for EFT trasactios ad across all fuctios from debit to credit to stored value or electroic cash. Itellect products rage from Smart Card readers, electroic wallets, persoal ATMs ad termials for stored value cards ad outdoor ad mobile paymet termials, to Iteret bakig ad cryptographic processors that secure facilities such as bakig etworks. MicroBak Persoal ATM. Programmable security device with a itegrated Smart Card reader/writer, LCD, keypad, serial port ad DTMF (telephoe toe) trasmit ad receive capability. Applicatios: checkig the balace ad previous trasactios o a electroic purse; performig a remote ID over the telephoe; diallig a rage of stored telephoe umbers at the touch of a butto; performig pay trasactios over the phoe or via a PC or modem; or readig, writig ad updatig data stored o a Smart Card. Smart Card Upload Uit This uit is like a cashless ATM: it loads moey from a bak accout to a Smart Card. This termial was desiged i a modular way, with uits ragig from a simple Smart Card loadig device, to a full multi-fuctio termial for use i baks. It is cheaper for a bak to buy a Smart Card Upload Uit tha for them to upgrade existig ATMs. The uit s rugged desig meas it ca be istalled aywhere, icludig outdoors, for example, at a petrol statio. Smart Card Retailer Uit Ideal for iexpesive items. Shops ad small busiesses ca process Smart Cards with the Retailer Uit, which the forwards the iformatio to their bak. It does ot access the customer s bak accout but relies o the Smart Card aloe. This uit ca be used as a couter uit by itself, or itegrated with a cash register or as a portable uit usig batteries. The uit is able to process six differet stored value card schemes ad ca be programmed to accept other Smart Card applicatios such as loyalty schemes. Mobile Paymet Termial The mobile paymet termial is a portable uit that uses cellular techology to allow electroic paymet away from the traditioal shop eviromet. This product is ideal for compaies ad idividuals who deliver products or services direct to the cosumer, such as pizza chais, tradespeople ad taxi drivers. This termial will process up to six differet stored value card schemes, debit, credit, private label cards ad customer loyalty cards. INTERCAI (Iteratioal Commuicatio ad Iformatio) PO Box 9256, 3506 GG Utrecht, Netherlads Tel: Fax: Maagig Director: H Waalboer Smart Card cotact: W Va Gils Tel: Fax: Cosultacy for Smart Card applicatios. Cliets rage from small orgaisatios to large multiatioal corporatios i fiace, trade ad idustry, trasport, airports, maritime, healthcare, PTTs ad telecom operators ad the Europea commuity. REFERENCES INTERCAI hosts iteratioal telecommuicatios cofereces. The Iteratioal Smart Card Idustry Guide 1997 / 98

209 Directory of Compaies 209 IterCard GmbH Kartesysteme Auf der Steig 6, D VS-Villige, Germay Tel: Fax: Maagig Directors: Mafred Weise/Eberhard Adolph Smart Card cotacts: Mr Getso Riesle, Maagig Director, Marketig ad Sales Tel: Ehaced card storage capacity, pateted security techology. Flexible, customer specific card layout ad pritig. KAB 7710 UiCard Revaluator Bakote revaluator for the chip card to be used i self-service. All trasactios are stored ad available via serial iterface. TPC 232 Portable uit to revaluate or devaluate the chip card. Ca be used as simple cash register. Storage of all trasactios ad totals. IterCard GmbH Kartesysteme is active i cardbased cash-surrogate paymet systems, pioeerig the developmet of maipulatio-proof systems. It is a market leader for cashless paymet systems for copiers. IterCard has over 40,000 termials istalled worldwide. Sice the begiig of 1994, IterCard has exteded its product rage with a ew rechargeable card system based o chip card techology (Gemplus GPM 896 card). I 1997 IterCard also itoduced the system based o a Microprocessor Card. The UiCard AS6200 chip card accoutig system offers a multi-fuctioal card for studets ad staff i uiversities ad similar facilities. The UiCard provides cashless paymet for all goods, services ad fees, icludig restaurats, cafeterias, vedig machies, photocopier paymets, laser prit-outs, library fees ad so o. It ca also be used for idetificatio purposes, door access ad parkig areas, etc. AS 6200 UiCard Termial Easy to use, display drive user iterface. Laguages available: Germa, Eglish, Frech. Tariff accoutig for differet user groups. Settig of customer specific data such as tariffs via a exteral keyboard. Retrieval of termial data via a stadardised RS 232 iterface. Either horizotal or vertical istallatio. Tested accordig to DIN 0805, EN Rechargeable chip card has exteded life through ulimited revaluatios. Iterlik Fuds Switchig Techologies Limited, Harella House, Goswell Road, Lodo, EC1V 7DB, UK Tel: +44 (0) Fax: +44 (0) Web site: Maagig Director: Malcolm Harriso Marketig Director: Toy Wood Smart Card cotact: Jim Li Fouded i 1983, Iterlik is a self-service solutio provider i over 60 coutries aroud the world with 200 sites ad 85 differet istitutios. Specialists i paymet systems ad Smart Card software for ATMs ad POS devices, accessig both iteratioal ad atioal public plastic card etworks. Smart-Bak Smart Bak comprises: Sparrow - service switchig system Hawk - ATM etworks ad stadaloe fuctioality POS - EFTPOS etworks 1997 / 98 The Iteratioal Smart Card Idustry Guide

210 210 Directory of Compaies REFERENCES Cardmaster - card persoalisatio ad distributio. Barclays Bak, Stadard Chartered Bak, ANZ Gridlays Iteratioal Baselie Security Oy PO Box 24, Kauaie, Filad Tel: or Fax: Maagig Director: Juhai Saari IBase is a cosultig compay cocetratig o iformatio security ad Smart Cards. It provides cosultacy ad traiig i co-operatio with its parters, who represet the tradig experts i these areas. REFERENCES Its cliets are major Fiish orgaisatios i both the private ad public sectors (icludig baks, govermet ad a wide variety of commercial orgaisatios). SERVICES Orgaises the aual ESCAT (Europea Smart Card Applicatios ad Techology) coferece i co-operatio with Cogrex ad the iteratioal executive board. Iter Marketig Ltd Iter Marketig Ltd is a member of LANCRO Ltd. Group which hadles export activities. Tietäjätie 12, FIN-02130, Espoo, Filad Tel: Fax: Maagig Director: Gustaf Jösas Smart Card cotact: Sebastia Jösas Iter Marketig Ltd is a Fiish compay which has desiged ad maufactured products for baks, retail busiesses ad the service sector sice The product rage icludes access cotrol ad security systems, EFTPOS ad POS systems, automatic self-service machies, fare collectio ad ticketig systems. REFERENCES City of Tampere: fare collectio system for Tampere City Trasport ad six private bus operators i the area; 370 ticketig machies with itegrated cotact Smart Card readers ad magetic card readers; 364 cotactless Smart Card readers; over 100,000 cotactless Mifare cards i use; 10,000 cotact memory Smart Cards for tourists; data trasfer by radio modems (248 uits); four depot systems; 10 ispector uits ad 50 kiosk uits. City of Kotka: fare collectio system for two private bus operators; 50 cotact Smart Card validators; 35 ticketig machies with itegrated cotact Smart Card readers; two depot systems. City of Pori: fare collectio system for Pori Lijat ad three private bus operators; 43 ticketig machies with itegrated cotact Smart Card readers; 40 cotactless Smart Card validators; radio modem commuicatio system; 5,000 cotactless Smart Cards (Mikro MIFARE), oe depot system ad 15 kiosk uits. City of Seiäjoki: a multifuctioal city card applicatio which eables paymet of most muicipal services from public trasport ad taxi fares to leisure activities. Also coected to atiowide Avat electroic purse. Equipmet: 1 cetral/clearig system, 12 ticketig machies with itegrated cotact Smart Card readers ad magetic card readers, 72 portable readers/validators for several types of applicatios; 17 sales poit uits, oe depot system ad data trasfer by cable. Savolija bus compay: equipmet: over 300 ticketig machies with itegrated Smart Card The Iteratioal Smart Card Idustry Guide 1997 / 98

211 Directory of Compaies 211 readers ad magetic card readers, oe depot system ad data trasfer by cable. Viltrasa bus compay (Vigo, Spai): 116 ticketig machies with itegrated cotact Smart Card readers ad magetic card readers; 116 cotact Smart Card readers; 25,000 cotact Smart Cards (Schlumberger ME 2000); oe depot system, data trasfer by cable, 10 ispectors uits. Trasportes Sagales bus compay (Graollers, Spai): Pilot scheme ivolvig 20 ticketig machies with itegrated cotact Smart Card readers ad magetic card readers; data trasfer by cable. Public Roads Admiistratio (Trodheim, Norway): Pilot scheme with 18 cotact Smart Card readers, data trasfer by cable ad oe ispectors uit. Flygbussara (Stockholm, Swede): fare collectio system ivolvig 50 ticketig machies with itegrated cotact Smart Card readers ad magetic card readers, 50 magetic stripe card readers, data trasfer by radio modems (50 uits), three accoutig statios ad oe depot system. MTS Automatic Fare Collectio (AFC) system for public trasport compaies icludes electroic ticketig machies, card readers, sales poit uits, portable uits, depot uits, commuicatio cotrollers ad iterfaces to exteral clearig systems. Basis for public trasportatio ad city card systems. Mai compoets as follows: MTS ETM electroic ticketig machie is a fare collectio device with itegrated Smart Card reader/validator ad magetic swipe card reader. Fare data collected durig the day is later trasferred directly to a depot PC by radio modem. MTS SCV Smart Card Validator is a itelliget reader ad validator for cotact or cotactless Smart Cards. It reads ad validates Smart Cards, records ad stores trasactios, registers ito memory the last 1,000-10,000 trasactios, depedig o the amout of data. Commuicates directly with the depot PC, processes sealed files, checks validatio of card, charges the card ad registers card operatios, maitais list of deied cards, trasfers data to the ETM electroic ticketig machies. MTS PTV portable Smart Card validator/ispector s uit is lightweight ad ca be used for cotact or cotactless Smart Cards. IRIS Techologies (M) Sd Bhd. Lot 8 & 9, Jala D Techology Park Malaysia, Lebuhraya Puchog-Sg Besi, Bukit Jalil Kuala Lumpur, Malaysia Tel: Fax: /449 Cotact: S Ali Peerbhai IRIS Techologies (UK) Ltd. Pembroke House, 7 Bruswick Square, Bristol, BS2 8PE, UK Tel: +44 (0) Fax: +44 (0) Cotact: Coli Timso IRIS Techologies are becomig the premier card maufacturer i South East Asia. With their ivestmet i both cotact ad cotactless card productio lies they are able to offer to home ad iteratioal markets a complete rage of card productio services ad smart techology solutios. Solutios address atioal idetity ad security, airlie ad airport security, geeral security ad access cotrol systems plus RFID based systems. Other specialist areas iclude bakig, trasportatio, telephoy, vedig, gamig ad loyalty. Isis Wigate Road, Log Sutto, Hats RG29 1SZ, UK Tel: +44 (0) Fax: +44 (0) / 98 The Iteratioal Smart Card Idustry Guide

212 212 Directory of Compaies Maagig Director: Dr Peter Harrop SERVICES Cosultacy i the marketig ad techology of paymet media ad associated electroics. Dr Harrop is the Chairma of Flyig Null Ltd (remote magetic data taggig), PINACL plc, Sciece Systems plc ad Itelliget Eviromets plc. He is co-author of the i-depth study o the Future of Prepaymet Cards: Markets, Techologies ad Opportuities ad New Itelliget Pritig Techiques: A Revolutio i Data Hadlig, Diagostics ad Display - both published by Retail Bakig Research Lodo (Tel: +44 (0) Fax: +44 (0) ). Also Smart Cards i Trasport published by Footote Publicatios, Oxford (Tel: +44 (0) , Fax: +44 (0) ). ITC Systems 5230 Fich Aveue East, Uit 5, Scarborough, Otario, Caada, M1S, 4Z9 Tel: Fax: Maagig Director: D Bodolai / C Richardso Smart Card cotact: Mike Browe Tel: Fax: Brach: Box , Norcross, GA30092, USA Tel: Fax: ITC Systems has bee supplyig itegrated trasactio cotrol systems sice The majority have bee developed usig the Cash Card cocept which promotes prepaid services i a closed eviromet. Typical closed societies iclude uiversity ad college campuses ad food service eviromets withi a large corporatio or govermet departmet. Its Cash Card system has bee expaded to iclude Smart Cards, magetic stripe cards, photo ID cards or a combiatio. It is commo for ITC to itegrate a sigle card (which ca carry a picture) to cotrol ad charge for use at photocopiers, microfilm R/P, laser priters, computers, vedig machies, ewspaper boxes, laudry machies, parkig spaces, arcade games, food service areas ad book stores. The card ca carry a picture ad other idividual iformatio. Multi-Cotroller operates ad charges for the use of up to 32 machies, washers, dryers, computer time etc. Ca also be used to charge for parkig sice a receipt is issued. Cash Card Maager desiged to dispese ad add value to Cash Cards. Accepts Caadia or US fuds i deomiatios up to ad icludig $20 bills. No operator required. Cash Card Vedig Reader fits ito the bill acceptor cut out o all ewer models of vedig machies. Operates both sigle ad multi-price machies. Poit of Sale Termial all the features of a stadard cash register with the ability to use the Cash Card for all trasactios icludig the addig of cash value to the card. Also o-lie debit trasactio for meal plas, book store, payroll deductios, etc. Cash Card Readers 1010, 1011 ad three models to meet system specificatios for cotrollig copiers, microfilm, reader/priters, computers, CD-ROMs, laser priters or aywhere a charge for use is desired. J Japa Aviatio Electroics Idustry, Limited 1-19,Aobadai 3-Chome, Meguro-Ku,Tokyo 153, Japa Tel: Fax: The Iteratioal Smart Card Idustry Guide 1997 / 98

213 Directory of Compaies 213 Web site: Presidet: Tatsumi Nagatoshi Marketig Director: Masayuki Yabuki, Maager Product Marketig Smart Card cotact: Mr Koishi / W H Au Hog Kog Aviatio Electroics Ltd. Uit 1511, 15/F., Silvercord Tower 2, 30 Cato Road, Tsimshatsui, Kowloo, Hog Kog Tel: Fax: JAE was established i Headquarters of the Group is i Tokyo, Japa. The compay is divided ito Coectors Divisio, Aerospace Divisio, System Equipmet Divisio ad Optoelectroics Divisio ad Aerospace Divisio. JAE has productio plats i Japa, Taiwa, USA ad the Philippies. As a iteratioal group, JAE has subsidiaries i Japa, USA, Taiwa, Hog Kog, Sigapore, Korea ad UK. I 1996 the umber of employees is over 2,500. JAE is a iteratioal group with major product lies i coectors, switches ad relays, system equipmet ad pael uits, optoelectroic products, aerospace applicatios. JAE has a complete rage of Smart Card coectors (SF series) curretly used i electroic commerce, telecommuicatio, etwork computer ad Smart Card readers. The SF series iclude coectors of frictio type ad ZIF type, with 6, 8 or 16 cotacts. All models of the SF series coform to ISO7816 specificatios. Cotacts of these coectors are plated with palladium- ickel or gold to esure durability. Durability is from 100K-500K cycles. Sice the itroductio of the SF series i 1996, these coectors have bee used i major Smart Card projects i Europe, Japa, Hog Kog ad other coutries. Smart card coectors by series: SF1 series: Features: 8 or 16 cotacts with switch, available i three heights (1.4mm, 2.5mm, 3.5mm). Applicatios: balace readers, electroic wallets, card readers. SF2 series Features: 6 or 8 cotacts without switch, available i three heights (2.0mm, 2.6mm, 4.3mm). Applicatios: balace readers, electroic wallet, GSM phoes. SF3 series Features: 8 cotact with switch, with cover of PPS or LCP, slim versio has profile of 3.3mm, low cost versio also available ad specially desiged for Chia market. Applicatios: etwork computer, POS, IC card phoe, keyboard. SF4 series Features: ZIF type with durability 500K cycles, with sythetic resi cover. This series is particularly suitable for heavy duty usage. Applicatios: public payphoe, ATM, trasport. K Kapsch AG Wageseilgasse 1 A-1121 Viea Austria Tel.: Fax: Web site: Smart Card cotact: Alex Zeppelzauer, Product Maager Kapsch AG Smart Card Systems Soergasse 6 A Viea Austria Tel.: Fax: / 98 The Iteratioal Smart Card Idustry Guide

214 214 Directory of Compaies The KapschCard system operates with a cotactless close couplig Smart Card ad various readers, termials ad software tool kits behid. It is desiged to serve high security, high speed ad multi-applicatio purposes. The KapschCard System cosists of the KapschCard itself, various readers for surface or slot operatio icludig housig, the iterfaces for RS232 ad RS485, the HMI Huma Machie Iterface for iteractio with the system ad the Kapsch Reader 212 as termial. Latest developmet is a PCMCIA card as a KapschCard reader. All compoets ca be combied, the system ca be easily itegrated i existig applicatios usig powerful APIs of various KapschCard Developer ad Itegrator Kits. Keycorp (Europe) Limited Sait James Court, Wilderspool Causeway, Warrigto, WA4 6PS, UK Tel: +44 (0) Fax: +44 (0) Cotact ame: Mark Williams, Maager Sales Keycorp Europe is a wholly owed subsidiary of Keycorp Limited Australia ad is the provider of flat scree, key statios ad electroic paymet termial equipmet to the retail bakig idustry. I additio it is the provider of Smart Cards, Smart Card operatig systems ad specialist Smart Card software solutios ad applicatios to the fiacial sector. SERVICES Kapsch offers a broad rage of support for system itegrators from software traiig with the developmet tools to marketig support. Kestroics Ltd Uit 26, North Orbital Tradig Estate, Napsbury Lae, St Albas, Hertfordshire AL1 1XB, UK Tel: +44 (0) Fax: +44 (0) Maagig Director: A Nowell Magicard persoalisatio system A plastic card persoalisatio system comprisig a colour or moochrome priter, camera ad image capturig software. Optios iclude magetic stripe ad IC card ecodig. L Ladis & Gyr Commuicatios Grad-Pre 70 CH-1211 Geeva, Switzerlad Tel: Fax : Web site: Maagig Director: Joel Bourez Marketig Director: Deis O Kelly Sales Director: Frak Kessaratos Smart Card cotact: ODS R. Oldeburg Datesysteme GmbH Ludwig-Erhard-Strasse 16, D Neufahr, Germay Tel: Fax : ODS : August Lammersdorf Ladis & Gyr Commuicatios : Frak Kessaratos The Iteratioal Smart Card Idustry Guide 1997 / 98

215 Directory of Compaies 215 Ladis & Gyr Commuicatios offers a comprehesive rage of payphoes, cards, ad systems, combied with extesive kow-how i electroic purse schemes. L&G also supply the full rage of chip, magetic ad optical paymet cards, as well as card-acceptig devices ad security modules. All payphoe solutios ca itegrate with L&G s operatioal ad paymet solutio maagemet systems. Semicoductors Cards - see ODS etry Smart Card devices CADiX ad Mobix REFERENCES Major telecom operators i over 60 coutries Ladis & Gyr SMART Techoparc des Hautes-Faveties, 12 rue Jea- Berti, Valece Cedex 09, Frace Tel: +33 (0) Fax: +33 (0) Maagig Director: Joël Doucet Smart Card cotact: Etiee Dureau A high techology compay formerly kow as Smart Igéierie ad ow owed by Ladis & Gyr Commuicatios SA, it specialises i telecommuicatios, computer systems ad etworks ad Smart Cards. It supplies solutios ad develops termials for a broad rage of applicatios such as telephoes, access cotrol ad paymet. Telephoy Pulsar 50 - outdoor chip card payphoe Meteor - idoor chip card payphoe Pay & Phoe - card-operated call meter. Card & Phoe - idoor card-operated telephoe. Physical Access Cotrol Card & Pass - a full rage of Smart Card-operated access cotrol products, ragig from stad-aloe electroic doorkeepers to termials coected to a cetral cotrol statio. Paymet ad Automatic Distributio TPR - termial for the paymet of goods ad services ad for rechargig proprietary cards. Multi-purpose Termial Omipuce - multi-purpose Smart Card termial desiged for Smart Card services i a public commuity or compay eviromet. Applicatios: school catees, muicipal services, paymet, ticket purchasig, remote reservatios, attedace, Smart Card rechargig, gate ad turstile cotrol. OEM applicatios Ladis & Gyr SMART Smart Card techology is ope to all developers with a rage of: Termial kits - stad aloe Smart Card readers, coected Smart Card readers (asychroous lik, telephoe etwork liks). Optios - idoor or outdoor housig, imput/output iterfaces, modems, reiforced keyboards, displays etc. Software Eviromet - eablig rapid creatio of Smart Card applicatios i the fields of telecommuicatios, etworks ad other related areas, such as portable files (studet cards, compay cards), paymet, access cotrol, Smart Card-operated payphoes. Fuctioal test tools Smart Card Simulators - SIM 4 - M 4 Smart Card simulator (eg. bak cards; SIM bit Smart Card simulator (eg, phoecards). SERVICES Realisatio of turkey projects, secodig persoel qualified i telecommuicatios, Smart Cards, software developmet, methods, itervetio by qualified cosultats / 98 The Iteratioal Smart Card Idustry Guide

216 216 Directory of Compaies Ladis ad Gyr Utilities (UK) Ltd Horto Wood 30, Telford, Shropshire, TF1 4ET, UK Tel: +44 (0) Fax: +44 (0) Maagig Director: P Murray-Robertso Marketig Director: Marti Pollock Smart Card Cotact: Mrs J. Graum Ladis ad Gyr s Smart Card systems are desiged to offer gas ad electricity utilities a complete customer accout maagemet system solutio icorporatig meters, cards, poit of sale equipmet ad the software to operate the system. Focusig o the full capabilities of Smart Card techology, the systems operate robust ad efficiet bi-directioal commuicatio liks betwee ed-users ad the utility s database. Trasactio processig services allow the utility to outsource the maagemet of their Smart Card system to Ladis ad Gyr, who take resposibility for pollig all data ad esurig all receipts are baked. Aual volumes: to date 10 systems comprisig oe ad a half millio meterig poits have bee sold. Smart Card devices Pre-paymet systems for gas ad electricity utilities SERVICES Trasactio processig services for gas ad electricity utilities Logica plc Great Marlborough Street, Lodo W1V 1HL, UK Tel: +44 (0) Fax: +44 (0) Web site: Cards Techology Divisioal Director: Ady Tobi Smart Card cotact: Lu Zurawski Logica is a leadig computer cosultacy ad systems itegratio compay with aroud 5,000 staff i offices i 19 coutries aroud the world. Logica provides itegrated Smart Card solutios ad products aimed at card maagemet ad trasactio processig across all idustry sectors. SERVICES Logica s orgaisatio ad staff are orieted towards creatig busiess solutios across a wide rage of market sectors ad provide cosultacy, solutios, security evaluatio, specificatio ad implemetatio of applicatio software, product evaluatio systems itegratio ad maagemet support. Logica has bee ivolved i formal security evaluatio sice I 1990 the Logica evaluatio facility became the first to be fully licesed uder the UK Govermet sposored, IT Security Evaluatio ad Certificatio Scheme (ITSEC) as a Commercial Licesed Evaluatio Facility (CLEF). Logica s Secure Practice divisio ad CLEF has already udertake may tailored security assessmets, icludig UK Miistry of Defece orgaisatios, hardware ad software vedors such as IBM, Su, Fujitsu-ICL, Bull, Sequet ad Oracle, ad Smart Card issuers such as Natioal Westmister Bak. Logica ca provide specialist threat evaluatio cosultacy or full formal ITSEC evaluatios. The Iteratioal Smart Card Idustry Guide 1997 / 98

217 Directory of Compaies 217 MCX Card Maagemet System Logica has developed MCX, a cliet-server software package for card maagemet. The package has a modular desig that may be cofigured to meet a variety of requiremets ragig from simple applicatio hadlig ad admiistratio through to full fiacial accoutig ad billig. It may be delivered based o stadard product defiitios or it may be used as part of a MCX Framework approach to iteract with other legacy systems. MCX offers: card ad PIN admiistratio iterfaces to persoalisatio equipmet applicatio form processig ad approvals cardholder/customer database maiteace multiple ad complex card/accout relatioships trasactio postig multi-currecy operatio settlemet/recociliatio with card schemes customer billig geeral admiistratio stadard letters to customers plus idividualised letters idividual operator access levels / audit trails multiple card products ad classes per orgaisatio MCX delivers fuctios that are tailored to card busiess processes. MCX delivers these fuctios based o a distributed, cliet-server platform ad a ituitive Widows 95 Graphical User Iterface. ON/X Trasactio Processig System ON/X provides services for the maagemet of devices such as ATMs, poit of sale equipmet ad miscellaeous card loadig devices. It has stadard iterfaces to o-lie etworks such as those maaged by Visa, MasterCard ad Europay ad supplies core o-lie trasactios processig services. ON/X is used to provide electroic bakig services such as MasterCard or Visa card processig, Iteret access, telephoe bakig, poit of sale etwork maagemet, PC corporate access devices ad overseas remittace paymets. ON/X was lauched i 1993 as a cotiuatio of the ON/ family of products which have ow bee istalled at over 350 sites worldwide. It is typically implemeted o high availability cofiguratios of UNIX servers. ON/2 Trasactio Processig System Logica has supplied fault-tolerat systems to support ATM ad poit of sale termial maagemet, trasactio authorisatios, routig ad switchig sice ON/2 is available o the Stratus Fault Tolerat platform ad delivers the same services as ON/X. REFERENCES Natioal Westmister Bak, Barclays Bak, The Bak of Eglad, Visa, British Telecom, GPT Payphoes. Louda Systems Liiestrasse 9-13, Oberhachig, Germay Tel: Fax: Maagig Director: Matthias Pillardy Marketig Director: Dr Sikestedt Maufacturers ad suppliers of card maufacturig equipmet, icludig machies for millig, chip ecodig, chip isertio ad for laser persoalisatio. Pocket Formig Machie MM250 A fully automatic workig system for the millig of pockets i fiished die cut cards. Pockets are machied i pairs with a speed of up to 1,800 cards/hour. Pocket Formig Machie HM25 Built for smaller productio figures. Cards have to be fed i/out maually. Millig of pockets is fully automatic. Throughput cards/hour. Hot Melt Chip Assemblig Machie C1 360 HM For automatic puchig, positioig ad 1997 / 98 The Iteratioal Smart Card Idustry Guide

218 218 Directory of Compaies lamiatig of hot melt adhesive strip, die cuttig ad isertig of chip module ito fiished machied plastic cards. 1,400 cards/hour. Liquid Stickig Chip Assemblig Machie C1 370 LS Built i exactly the same way as C1 360 HM but uses liquid glue istead of hot melt glue for adhesio of chip modules. Hot Liquid Stickig Chip Assemblig Machie C1 380 LM Uses hot liquid glue for adhesio of chip modules. Hot Melt Chip Assemblig Had Place C1 26 HM Cotais the same hot stamp uit as C1 360 HM. The operator has to isert cards maually. Pressure, heat ad pressure time has to be tued accordig to the materials used. Dyamic Bedig Stress Machie BT 110 Dyamic torsioal stress machie TT 100 The mai aspect i checkig chip cards is the compositio betwee chip ad card. Both machies check torsioal ad bedig bearig of chip cards. Card Bodig Lie CBL 400 Lamiatig system for cotiuous bodig of the card layers at room temperature usig miimum pressure ad a rapid curig adhesive. Sigle Card Pritig Machie OC 200 Developed as a easy way to prit four colours o a molte or lamiated plastic card. ID-card ad Passport Machiery Developed accordig to customer s specificatios. REFERENCES Die cuttig machiery Mag tape layig machies Gatherig machies for foil Ispectio machies for fiished cards Lamiatig. Germa ad Spaish ID cards are produced with Louda Systems machies. M M2M Residece Zahra Bd., Ouled Ziae, Casablaca Morocco Tel: / Fax: Maagig Director: Redoua Bayed Marketig Director: Mouir Essayegh Smart Card software. SERVICES Support ad cosultig. Marchat Associates 28/29 Woodside Close, Amersham, Buckighamshire HP6 5EF, UK Tel: +44 (0) Fax:+44 (0) Cotact: Nick Marchat Marchat Associates is a desig cosultacy specialisig i the user iterface for electroic cash ad other Smart Card applicatios. Expertise i ergoomics, idustrial desig ad graphics is backed by seve years experiece i Smart Card applicatios. The cosultacy provides services for applicatio developmet, scheme implemetatio ad the desig ad developmet of idividual devices. SERVICES Desig strategy ad maagemet, origiatio ad The Iteratioal Smart Card Idustry Guide 1997 / 98

219 Directory of Compaies 219 documetatio of bespoke desig stadards ad specificatios, idustrial (product) desig, huma iterface ad iteractio desig, user requiremets defiitio; task aalysis, logic flow ad dialogue; scree desig ad graphics, desig of symbols ad icos, origiatio ad desig of user istructios. REFERENCES Modex Iteratioal, Member baks, ad device developers iteratioally; Natioal Westmister Bak. Mars Electroics Iteratioal Eskdale Road, Wiersh Triagle, Wokigham, Berkshire, RG41 5AQ, UK Tel: +44 (0) Fax: +44 (0) Web site: Cotact: Ady Matko, Marketig Maager Mars Electroics Iteratioal (MEI) specialises i paymet systems (card, coi ad bakote) for uatteded poit of sale i the key markets of vedig, gamig ad amusemet, payphoe, trasport ad parkig. Today MEI provide cashless paymet systems for vedig ad caterig applicatios. MultiCard Smart is a Smart Card based cashless paymet system for both closed ad public site applicatios. Markets are corporate ad educatioal vedig ad caterig ad public uatteded poit of sale usig electroic cash cards. MultiCard Smart MultiCard Smart is a ew Smart Card-based system, targeted at corporate ad educatioal closed sites, as well as public site vedig. Applicatio areas: electroic cash paymet - vedig ad caterig As well as supportig the Mars card, MultiCard Smart readers also support the Modex card. McCorquodale Card Techology Ltd 27 Cliffe Idustrial Estate, Lewes, East Sussex, BN8 6JL, UK Tel: +44 (0) Fax: +44(0) Geeral Maager: Michael Stewart Smart Card cotact: Tim Ies McCorquodale offers a complete rage of Smart Card products coverig decremet oly ad reusable memory cards. It is oe of Europe s leadig maufacturers of plastic cards for telecommuicatios ad a variety of other commercial applicatios. With compay experiece i pritig which goes back to 1846, McCorquodale itroduced fourcolour off-set pritig o plastic cards durig the early 1980s. This pritig expertise, combied with a wide rage of techology skills ecompassig plastics, magetics ad electroics, was applied to the productio of magetic stripe cards. I recet years, McCorquodale has exteded these skills ito the Smart Card market. McCorquodale s paret compay, Rexam Plc, is a major ad expadig British orgaisatio with activities worldwide i the pritig, packagig ad coatigs idustries. Prepaid oe time programmable decremet oly cards Type EPROM Features MCT bits Itelliget couter ad security logic with maximum cout of uits. MCT bits Oce programmable with lock out givig maximum cout of 160 uits MCT bits Security logic with maximum cout of uits Reusable I²C EEPROM memory cards Type EEPROM. Features MCT bits user memory protectio with PIN code MCT 2KP 2048 bits Write protectio ad programmable security code MCT 14C bits I²C free memory MCT 8KP 8196 bits write ad PIN code protectio 1997 / 98 The Iteratioal Smart Card Idustry Guide

220 220 Directory of Compaies Meiller ComCard GmbH Hammerbrücker Str. 3, Falkestei, Germay Tel: Fax: Maagig Director/Sales Director: Roger Maass Techical Maager: Dr Achim Jaasch Smart Card cotact: Mrs. Gabriele Hetschel Tel: Fax: comcard.de Chip card maufacturig, card ad chip persoalisatio, complete card hadlig services ad recyclig Bak ad credit cards, health isurace cards, persoal ID cards, customer cards, telephoe cards Meie, Ziegel & Co. Friedrich-Bergius-Strasse 12, Höhekirche, Germay Tel: Fax: Meie, Ziegel & Co is a Germa based, worldwide compay ad was fouded i The ew corporate headquarters are located i Hohekirche, East of Muich. A leadig supplier of itegrated productio equipmet for the Smart Card idustry, the compay offers a complete rage of scaleable automatic machies for virtually ay shape ad size of order; from a few doze cards to a few hudred millio, for either cotact, cotactless or hybrid cards. Meie, Ziegel & Co. was a pioeer i the developmet of itegrated maufacturig systems, which formed today s idustry stadard for Smart Card productio worldwide. With the COOL CARD techology for cotactless Smart Card maufacturig Meie, Ziegel & Co. agai took a lead i developig a ew, highly successful techology which has sice become a ew idustry stadard. I additio Meie, Ziegel & Co. provides stateof-the-art solutios for govermet priters ad security authorities who produce ID cards, passports, driver s liceces, bak otes, cheques ad other sesitive items. I 1996 a strategic alliace was formed betwee Meie, Ziegel & Co. ad DataCard, specialists i itegrated card persoalisatio ad issuig systems, i order to lik two complemetary markets, provide customers with fully itegrated turkey solutios ad a comprehesive etwork of sales ad service offices i more tha 90 coutries. Smart Card productio systems Cotactless Smart Card productio systems Hybrid card productio systems Laser egravig ad chip codig systems Testig ad codig systems for Smart Cards Testig ad codig for module strips Customer-specific machies (SELECTED) Model 380 is a itegrated productio system for high quality Smart Cards i lower quatities. The etire process cosistig of millig the cavity, applicatio of adhesive ad implatig the chip module is carried out i oe completely automatic workig cycle. All productio parameters ca be freely defied permittig flexible adaptatio of Model 380 to each ew requiremet. It is therefore possible to process all card materials such as PVC, ABS, PC, PET etc. Due to its ulimited flexibility Model 380 is the ideal tool for the cotiuous ad The Iteratioal Smart Card Idustry Guide 1997 / 98

221 Directory of Compaies 221 ratioal productio of Smart Cards i the lower rage of order quatities, for maufacturig of cards for special security ad heavy duty applicatios or for developmet purposes where greatest flexibility is required. Model 385 is a itegrated high volume productio system for Smart Cards. The etire productio process is fully automatic, from the mechaical processig of the raw card to the fial testig of the fiished card, icludig all ecessary quality tests. Model 385 s ulimited system flexibility ad maximum user comfort due to auto-cofiguratio routies provide depedable ad rapid adaptability, eve i complicated productio requiremets. With Model 385 all ecessary chages to the productio parameters ad adjustmets for a job chage are made automatically with the highest accuracy. All card materials such as PVC, ABS, PC, PET etc. ca be processed. Model 385 Hybrid is a itegrated high volume productio system for hybrid cards (combiatio of cotact ad cotactless techologies i oe card). It is based o the prove Model 385 for stadard Smart Card maufacturig. Model 385 Hybrid also automatically carries out all process steps such as millig cavity, drillig the holes to the cotact areas of the atea coil or ilet withi the card body, applyig coductive adhesive for the later electrical coectio betwee the chip module ad the electroic compoets withi the card, applyig adhesive bodig the chip module ito the cavity, puchig ad implatig the chip module, as well as testig the fiished card. Model 1800 is a itelliget testig system for chip module strips. I Smart Card productio Model 1800 fufills all requiremets of quality assurace for acceptace tests. Tasks such as coutig the uits, testig the module s fuctios, codig, markig ad creatig test certificates are carried out automatically. All test sequeces ca be cofigured to user specificatios. Prepersoalisatio ad idividual codig of the uits are also possible. Model 600 is a fully automatic puch system for GSM cards ad is equipped with a iput ad output magazie system, a highest precisio, hydraulically drive puch tool ad a separate cuttig system to pre-cut the coectios betwee the card ad the SIM module. Model 480 is built for the productio of cotactless Smart Cards i smaller volumes usig the COOL CARD maufacturig process developed by Meie, Ziegel & Co. The COOL CARD process overcomes the limitatios of traditioal techologies such as hot lamiatio ad mouldig. For istace, itegratio of thi film batteries is easily possible. The fiished cards greatly exceed all ISO stadards requiremets. They ca be produced with high glossy surfaces ad prited with thermo trasfer, dye sublimatio or dye diffusio priters. The machie cocept is modular, so coil widig, wire weldig or ilet maufacturig systems ca be added optioally. Model 485 is built for the fully automatic productio of cotacless Smart Cards i high volumes usig the COOL CARD maufacturig process. Model 485 ca be modularly exteded by coil widig, bodig or ilet maufacturig systems. COOL CARD maufacturig techology Meie, Ziegel & Coo describes COOL CARD as offerig: SERVICES limitless choice of electroic compoets (high / low frequecy types, wided atea coils, etched or prited ilets, flexible dimesios) perfect card surface quality (suited for thermo trasfer / dye sublimiatio / dye diffusio pritig) very high yield (o thermal or mechaical stress to the electroic compoets) o card warpage highest card durability greater flexibility (eg thi film battery powered cards) reduced costs icreased profitablity Cosultig, egieerig ad project maagemet services / 98 The Iteratioal Smart Card Idustry Guide

222 222 Directory of Compaies MELZER maschiebau GmbH Ruhrstrasse 51-55, D Schweim, Germay Tel: Fax: Chief Executives: Maagig Directors - Raier Melzer, Rolad Melzer, Frak Melzer Distributors: cotact - Adreas Sasiski, Geeral Marketig ad Sales Maager Mai Customers: Card Producers Electroic compaies Prit / mit houses Fiacial security priters The compay was fouded i 1956 ad has developed a modular productio system comprisig 75 modules which ca be combied to create specific machies suitable for a variety of applicatios. These rage from productio of tickets, tags ad labels up to all types of plastic cards. It is the character of Melzer s techology that machies are workig from the cotiuous web ad all processes are beig performed i oe lie, givig highest accuracy, reliability, output ad ecoomy. Two operators for a complete lie producig up to 5,000 ISO-Chip cards /h. All models ad machies are produced i the highly NC-operated factory. All spares are i stock ad techical support is provided i all Melzer represeted coutries. REFERENCES Thirty productio lies istalled i Brazil, P.R. Chia, Germay, Italy, Japa, Korea, The Netherlads, Portugal, Sigapore, UK, USA. The Melzer-modular system is extremely flexible so all types of plastic cards ca be maufactured: moolayer cards with ad without chip lamiated cards with ad without chip cotact or cotactless RF-ID cards active battery RF-ID cards all types of add-os with magetic type, sigature pael, hologram, umberig, image persoalisatio etc. The i-lie puchig machie provides superior quality cut of cards with burr-less soft edges o both sides, surpassig ISO stadards. The Metric Group Limited Metric House, Love Lae, Cirecester, Gloucestershire, GL7 1YG, UK Tel: +44 (0) Fax: +44 (0) Maagig Director: Simo Armstrog Commercial ad Special Project Director: David Millett Metric Group offers both parkig ad fare collectio solutios. They desig ad maufacture ticket machies for reveue cotrol i both the public ad private sectors. Their prime market areas are pay ad display car parkig cotrol systems ad fare collectio systems for bus, trai ad light rail operatios. Micro Sziece Ltd 25 Fell Mead, East Peckham, Tobridge, Ket TN12 5EQ, UK Tel/Fax: +44 (0) Smart Card cotact: Joh Lagma Micro Sziece Ltd is a idepedet microelectroics ad Smart Card techical developmet cosultacy. It is experieced i the desig, developmet ad security aspects of The Iteratioal Smart Card Idustry Guide 1997 / 98

223 Directory of Compaies 223 microelectroics ad cotact or cotactless Smart Card based products. It has cotributed to major iteratioal electroic purse iitiatives. Exclusive Europea agecy for Semicoductor Isights providig idepedet microelectroics security aalysis services. SERVICES Cosultacy services iclude aalysig the costs ad capability of Smart Card chips, micromodules, card plastics ad systems. Techology ivestigatios have icluded feasibility studies, security evaluatios, card persoalisatio ad chip comparisos. Capability studies have idetified ad aalysed vedor product capability ad quality. Project maagemet i hardware istallatio, budget cotrol ad type approval compliace have bee completed. Market research is coducted ito supplier idetificatio ad liaiso. Microcache Ltd Mill Brook House, Caps Lae, Cholsey, Oxfordshire OX10 9HF, UK Tel: +44 (0) Fax: +44 (0) Web site: Maagig Director: Beryl Guiver Smart Card cotact: Keith Emery, Marketig Maager Microcache was established i 1981 for the prime purpose of supplyig computer systems to the leisure idustry. I the last 15 years it has become the leadig supplier of computerised Leisure Maagemet Systems i the UK with a curret user base of over 500 sites. Microcache s customer base icludes private clubs, multiple site local authority istallatios, uiversity sports facilities, hotels ad YMCAs. I additio to these, the same core database system is used to admiister street markets, prisos, museums ad diig clubs. The compay employs over 30 staff, half of whom are directly employed i hardware ad software support, traiig ad istallatio. Microcache is located i Oxfordshire ad has distributors i Scotlad, Irelad, Italy ad Sigapore with istallatios i each of these coutries as well as Hollad, Luxembourg ad the USA. Leisure Maagemet software icludig Smart Swipe which uses chip card techology to maage leisure card systems for local authorities SERVICES The rage of services available from Microcache covers the supply, istallatio, commissioig, support ad maiteace of both hardware ad software ad iclude traiig ad project maagemet. Mitsubishi Electric UK Ltd Semicoductors Divisio, Travellers Lae, Harfield, Harts AL10 8XB, UK Tel: +44 (0) Fax: +44 (0) IC Card cotact: Roald Sigh, Product Marketig Egieer Tel: +44 (0) MELCARD Cotactless IC Card Series MELCARD cotactless IC Cards, 8 bit microprocessor, o-board user memory of up to 1997 / 98 The Iteratioal Smart Card Idustry Guide

224 224 Directory of Compaies 32K SRAM, data rate of up to 26.5 Kbps, read ad write distace variable to customer requiremets from 2mm to 1m. Credit card size outlie with thickesses of 2.5mm. Also available i half-size Eurolag format with modular rage of system support products Applicatios: mass user systems icludig trasport ticketig, automatic warehousig, productio cotrol, leisure, ID ad access cotrol, cashless vedig. Available ow is the Melstar 100 Cotactless Card Developmet Kit, icorporatig RS 232 based trasceiver, three cotactless cards, demostratio software, istructio maual ad all cables. PCMCIA Card rage Mitsubishi operates the world s oly fully automated IC card factory where as well as cotactless cards, a full rage of PCMCIA memory (Flash, SRAM,DRAM,SSD,OTP) cards are maufactured to stadards far higher tha these recommeded by PCMCIA. Modex USA LLC 111 Pie Street, 6th Floor Sa Fracisco, CA 94111, USA Tel: MNDX (6639) Fax: Web site: ModexUSA.com Presidet ad CEO: Jaet Crae Smart Card cotact: Cythia Begier, Marketig Director: Cards Modex Electroic Cash Card Motorola Ltd 3102 North 56th Street, Phoeix, Arizoa 85018, USA Tel: Fax: UK subsidiary: Colvilles Road, Kelvi Estate, East Kilbride, Glasgow, G75 0TG, UK Tel: +44 (0) Fax: +44 (0) Worldwide Operatios Maager: Mike Iglis Marketig Maager: Joh Letham Smart Card cotact: Kathlee Reid Tel: +44 (0) SMART CARD TUTORIALS The complete set of Smart Card Tutorials, as writte by Dr David Everett ad featured i Smart Card News, is ow available o PC-formatted CD-Rom. The Tutorials are fully illustrated ad are available i either Word 6 or HTML format. If you would like a copy please cotact our Marketig Maager Albert Adoh who will be pleased to help. Please let us kow which format you require. Each CD costs 150 sterlig plus postage. Tel: +44 (0) Fax: +44 (0) The Iteratioal Smart Card Idustry Guide 1997 / 98

225 Directory of Compaies 225 M68C05SC Device-specific Features SC21 SC24 SC26 SC27 SC28 SC29 ROM 6K 3K 6K 16K 13K 13K RAM EEPROM 3K 1K 1K 3K 8K 4K O board charge pump for EEPROM programmig O board charge pump oscillator Time base ad watchdog circuitry Phase Lock Loop Radom Number Geerator (RNG) Modular Arithmetic Processor (MAP) Maximum exteral clock/bus frequecy (with +2 optio) (MHz) Maximum exteral clock/bus frequecy (with +1 optio) (MHz) Operatig voltage rage (volts) Maximum supply curret i RUN mode (ma) Maximum supply curret i WAIT mode (ot programmig) (ma) TBD Maximum supply curret i STOP mode (ext clock=5 MHz) (ma) TBD Maximum supply curret i STOP mode (o ext clock) (ma) TBD EEPROM programmig time (ms) EEPROM lifetime (write/erase cycles) 2 10,000 10,000 10,000 10,000 10,000 10,000 Available as saw wafers Available i modules (M68HC05SCXXMS) 16-pi PDIP package 20-pi SOIC package 44-pi PLCC package 1997 / 98 The Iteratioal Smart Card Idustry Guide

226 226 Directory of Compaies Applicatio Areas SC21 SC24 SC26 SC27 SC28 SC29 Pay TV Applicatio areas Fiacial applicatios Prepaid GSM Multifuctio cards Cryptography ad sigature verificatio Health cards ¹ If the exteral clock is limited to 1 MHz ad the bus frequecy to 500 khz, the maximum supply curret i STOP mode will ot exceed 200 A ² Results of recet EEPROM characterisatio tests o Motorola s Smart Card microcotroller products show typical values of 400,000 write/erase cycles; cell programmig time of 2 ms; ad data retetio of 10 years. M68HC05 Family Features SC21 SC24 SC26 SC27 SC28 SC29 HCMOS techology - fully static operatio 8-bit architecture, based o the M68HC05 core 8-bit x 8 bit uassiged multiply istructio Memory-mapped I/O True bit-maipulatio Power-up detectio Power-savig STOP ad WAIT modes M68HC05 Family Stadard Features SC21 SC24 SC26 SC27 SC28 SC29 Security Features ISO stadard bidirectioal I/O port Additioal bidirectioal I/O ports Exteral maskable iterrupt o ISO stadard I/O port Bod-pad layout coformig to ISO 7816/2 +1/+2 clock divider The Iteratioal Smart Card Idustry Guide 1997 / 98

227 Directory of Compaies 227 MSC0207 MSC0401 MSC0402 MSC0405 MSC0406 MSC0501 Product 8-bit Smartchip 8-bit Smartchip 8-bit Smartchip 8-bit Smartchip 8-bit Smartchip 8-bit Smartchip ROM 16K bytes 6K bytes 23K bytes 6K bytes 9K bytes 20K bytes RAM 240 bytes 128 bytes 384 bytes 128 bytes 240 bytes 896 bytes EEPROM 3K bytes 3K bytes 8K bytes 512 bytes 1K bytes 4K bytes Security Features Advaced physical security, "Out of bouds" detectors, Watchdog, cotrol bytes Advaced physical security, "Out of bouds" detectors, cotrol bytes Advaced physical security, "Out of bouds" detectors, Watchdog, RNG, cotrol bytes, accumulator ad idex register clearig Advaced physical security, "Out of bouds" detectors, Watchdog, cotrol bytes, accumulator ad idex register clearig Advaced physical security, "Out of bouds" detectors, Watchdog, RNG, cotrol bytes Advaced physical security, "Out of bouds" detectors, Watchdog, RNG, cotrol bytes, accumulator ad idex register clearig Applicatio areas Fiace, prepaid GSM, social security Fiace, health, prepaid GSM Multiapplicatio, fiace, GSM Phase 2+ Electroic purse, payphoe, loyalty electroic purse, loyalty Multiapplicatio, electroic commerce Availabiltiy Now Now Now Now Now Now Motorola Semicoductor Products Sector has bee ivolved i the Smart Card idustry sice its begiig i the early 1970s. Ideed, Motorola SPS developed the very first Smart Card chip i Sice that time, the compay has cotiued to ivest sigificat amouts i research ad developmet. Withi Motorola SPS, the Smart Iformatio Trasfer Divisio, headquartered i Scotlad, works with parters aroud the world to desig ad maufacture chips for a variety of Smart Card systems, icludig those for cards, readers ad termials. The Divisio also targets markets for ew applicatios that would beefit from the protectio semicoductor techologies ca offer durig the trasfer of iformatio, for example, fax machies ad priters. Chips are maufactured at plats i the Uited Kigdom ad the Uited States. As well as developig ad supplyig chips, Motorola Ic recetly aouced its itetio to provide total solutios via its Smartcard Systems Busiess. Motorola SSB resides withi the compay s Lad Mobile Products Sector ad is treated as a customer of Motorola SPS. It remais totally separate from Motorola SPS. Motorola SPS is workig with compaies ad orgaisatios throughout the world to develop ad implemet Smart Card-based systems. I Spai, for example, the govermet is issuig aroud 35 millio Smart Cards cotaiig Motorola chips to people who claim social security. Motorola claims to be the world s leadig maufacturer of 8-bit microcotroller chips with a 26.8% share of the market worldwide i Motorola has produced over 300 millio Smart Card microcotroller chips sice it etered the busiess i I 1995, Motorola ivested $2.5b i geeral chip maufacturig facilities worldwide ad aticipates shippig 10 millio Smart Card chips per week by Mühlbauer GmbH High Tech Iteratioal Werer-vo-Siemes-Straße 3, D Rodig, Germay Tel: Fax: / 98 The Iteratioal Smart Card Idustry Guide

228 228 Directory of Compaies Web site: Maagig Director: Josef Mühlbauer Smart Card cotact: Ludwig Huber Tel: Fax: Mühlbauer is a leadig maufacturer of automated systems for the Smart Card ad semicoductor idustries. It supplies machies for producig ICmodules ad for assemblig Smart Cards. It produces fully automatic series productio or semi-automatic machies for processig ad small productio rus. Module Productio Die boder, wire boder, chip ecapsulatio, curig systems, module ispectio system, ad testhadler. Card Productio Card pucher, GSM pucher, card ispectio systems. Card assemblig Card millig machies, chip module implater, ad testhadler Persoalisatio ad packig Codig ad umberig systems, persoalisatio systems (laser, thermotrasfer, ik-jet, magetic stripe) ad packig systems. Card testig systems Flexio ad torsio test systems. Cotactless cards Assemblig cotactless ilets, pucher, ad persoalisatio systems. Combi-card equipmet Assemblig combi cards, persoalisatio Semicoductor assemblig machies Automated equipmet by special request. Offices: Mühlbauer Americas Newport News / VA, USA Tel: Fax: Mühlbauer Asia / Pacific Melaka / Malaysia Tel: Fax: Mühlbauer Souther Europe Seyssis / Frace Tel: +33 (0) Fax: +33 (0) SERVICES Developmet ad productio of automated systems for Smart Card ad semicoductor idustries. Equipmet cosultat, productio setup, after-sales service etc. REFERENCES Iteratioal cliets i baks, fiacial istitutios ad telecommuicatios, card maufacturers ad suppliers (ORGA, ODS, Siemes, G&D, Hyudai, Gemplus, ad cliets i USA, Asia, ad Africa). N Nagase & Co Ltd Germay: Nagase (Europa) GmbH Berlier Allee 59, D Düsseldorf, Germay Tel: Fax: Smart Card cotact: Sophie Rayaud, Product Maager Web site: ~ derick/ UK: Nagase & Co., Ltd. Smart Card Divisio, Crow House, 143 Reget Street, Lodo W1R 7LB, UK Tel: +44 (0) Fax: +44 (0) The Iteratioal Smart Card Idustry Guide 1997 / 98

229 Directory of Compaies 229 Smart Card cotact: Charles Nishikawa, Sales Maager Web site: ~derick/sidex. htm Nagase is a iteratioal tradig coglomerate with more tha 20 sales ad productio bases i Europe, North America ad Asia. Usig a dyamic, uiversally applicable multiapplicatio platform, Nagase positios cotact ad cotactless microprocessor cards i eviromets ragig from fiace to trasportatio, from leisure to idetificatio. Nagase also develops ad markets products icludig POS termials, self-service termials, PCMCIA reader/writers, serial port readers, USB readers, floppy disk format readers, multifuctioal balace readers, card to card trasactors, readers for vedig machies, desktop termials, access cotrol ad biometric systems, Smart Cards, IC-chip modules as well as a rage of card maufacturig materials. PCMCIA reader/writer Drivers for all Widows eviromets. Persoal readers Value checkers for multi-applicatio or multi-data cards. Serial, parallel, floppy disk ad USB readers Automatic recogitio of most chip types. High performace iterface to cards. Easily istalled drivers, easy API. Portable data termial Versatile termial for Smart Card iteractio with built i modem. EFTPOS termial Mobile, compact Smart Card POS with ifra-red ad serial iterfaces, multiple SAMs ad cryptocoprocessor. Self-service termial Low-cost, multi-fuctioal, multi-media selfservice termial with Smart Card iterface. Access cotrol systems: High-ed o-lie or off-lie system icorporatig video, figerprit recogitio, PIN. Low-ed system with cheap off-lie or o-lie readers. Cotactless systems Readers ad secure microprocessor based cotactless cards. Card issuig systems Magetic stripe ad chip-ecodig at approximately 500 cards per hour with optioal colour pritig, idet or embossig, holograms ad sigature paels. Uiversal electroic paymet system Highly secure, fully off-lie system with full back office clearace, providig a fully itegrated, widely implemeted Smart Card-based electroic cash solutio. SERVICES Device developmet. Device maufacturig. System desig, developmet ad implemetatio cosultacy. Natioal CacheCard Co 1034 S. Bretwood Boulevard, Suite 1900, St Louis, MO 63117, USA Tel: Fax: Maagig Director: William H Corrigto Complete multi-purse, multi-applicatio Smart Card system provided as a turkey data ceter service for various vertical markets. NCC liceses to marketig parter: GTE, for college campuses, BDM for EBT, ad produces its uiversal card acceptor icludig Smart Card API for uatteded vedig devices / 98 The Iteratioal Smart Card Idustry Guide

230 230 Directory of Compaies Campus CacheCard system Provide, istall ad operate (or tur over) complete sigle card system for studets, faculty ad staff. Card platform is a hybrid itegrated circuit 3K to 8K byte chip card plus oe or two separate magetic stripes (HiCo or LoCo) plus bar code, plus Telco code, plus digital image. Card s multiple stored value accouts system operates o a store ad forward scheme with all trasactios captured for full audit ability. First US istallatio at Washigto Uiversity i St. Louis, Missouri i Card s multiple stored value accouts may be used at all campus vedig sites, all POS merchats ad at participatig off-campus merchats (o bak accout is required). Welfare Electroic Beefit Trasfer (EBT) System Provides Smart Card delivery/support techology for eligibility ad welfare paymets for a pilot i the State of Motaa i Commercial Systems NCC liceses its stored value techology to those wishig to private label a istalled stored value system. NBS Limited Head Office: Byfleet Techical Cetre, 7 Caada Road, West Byfleet, Surrey KT14 7NB, UK Tel: +44 (0) Fax: +44 (0) Web site: Maagig Director: Bob Emerso Marketig Directors: Peter Ma, Chris Murray, Julia Cole Smart Card cotact: Chris Murray NBS Limited Card Services, 105 Oyster Lae,West Byfleet, Surrey, KT14 7HG Tel: +44 (0) Fax: 44 (0) NBS is a fully itegrated supplier of plastic cards ad card persoalisatio solutios. Established i 1974, NBS has grow ito a multiatioal, multi-millio dollar public corporatio with headquarters i Toroto, Caada. NBS maufactures plastic cards, icludig magetic stripe ad Smart Cards, as well as card persoalisatio ad poit of use equipmet: Embossers, magetic stripe ad Smart Card ecoders, moochrome ad colour thermal priters, impriters ad POS termials. NBS also provides electroic photo imagig ad ID card solutios. I additio, NBS persoalises plastic cards for fiacial, healthcare, loyalty ad ID card markets through its full service bureaux i North America ad the UK. Plastic cards Specialist maufacturer of a full rage of Smart Cards ad other applicatios. Card persoalisatio equipmet; Embossers, magetic ad IC card ecoders, thermal priters, POS termials. Electroic photo imagig ad ID card solutios. Outlie specificatio o each product: Smart Cards NBS are expadig their role i the developig Smart Card market. A corporate wide MoU with Bull CP8 i respect to Smart Card techology ad the provisio of microprocessor operatig systems, together with other Smart Card idustry alliaces, provides NBS with the capabilities to support the developig Smart Card markets. Smart Card maufacturig ad test equipmet have bee istalled, ad Smart Card persoalisatio systems have bee added to the compay s existig ihouse persoalisatio bureau. NBS Javeli Direct Card Priters The Javeli rage of priters, with its ew, compact desig, offers a wealth of stadard features ad optios, ad is available oly from NBS: Colour dye sublimatio or moochrome thermal trasfer, 300dpi. NBS Mosaic for Widows Digital ID Software NBS is the premier supplier of turkey digital imagig ID systems. These iclude the provisio The Iteratioal Smart Card Idustry Guide 1997 / 98

231 Directory of Compaies 231 of data capture, ID card ad secure documet productio, image file maagemet ad other bespoke solutios. Mosaic for Widows is the NBS iteractive, modular ad user friedly software desiged to cater for all aspects of ID card productio. NBS Horizo I-lie Card Persoalisatio System The NBS Horizo Series is a high speed productio system capable of providig for every evetuality i the persoalisatio of plastic cards. Each card persoalisatio elemet provides a specific fuctio, which eables systems to be idividually customised: embossig, IC card iitialisig, magetic stripe ecodig, tippig, idet pritig ad the iitialisatio of IC cards. NBS Advatage 2000 Series Desktop Card Persoalisatio System The NBS Advatage 2000 Series is a fully upgradable plastic card embosser. Optios iclude thermal pritig, ecodig, tippig, idet pritig ad the iitialisatio of IC cards. NBS Advatage Imagemaster The NBS Advatage Imagemaster is a thermal trasfer priter with the fastest throughput of ay priter i its class. Capable of pritig graphics, barcodes ad text oto plastic cards, it ca also ecode magetic stripes ad iitialise IC Cards. NCR Corporatio Kigsway West, Dudee, DD2 3XX, Scotlad Tel: +44 (0) Fax: +44 (0) Vice Presidet ad Geeral Maager Self Service Systems Divisio: Day O Brie Smart Card cotact: Alex R Keeth Tel: +44 (0) Fax:+44 (0) I the self-service marketplace NCR is the marketleader. It holds 24% of the world market ad exports to 106 coutries worldwide at the rate of oe ATM every five miutes. Self-service is itegral to NCR s overall IT solutios for the fiacial ad retail idustries. Termials are o loger cofied to the dispesig of cash, but spa retail bak trasactios from cheque ad bill imagig to multimedia ad remote persoal video ad also offers solutios for retailers, such as istore loyalty kiosks. The Compay is ivolved i a series of Smart Card ad biometric self-service applicatios with major card issuers aroud the world. Accredited with ISO 9001 ad Tick IT Certificatio, NCR has also gaied recogitio as beig at the forefrot of egieerig ad maufacturig excellece commeded i 1995 by Maagemet Today s award as Britai s Best Factory ad i 1994 with the Scottish Egieerig Award. The compay s ivestmet i the selfservice busiess cotiues with a 9 millio expasio at Dalgety Bay. Three variats of Smart Card/magetic stripe card readers which ca be itegrated ito the full rage of self-service products, icludig ATMs, iteractive products. Card Reader Variats Motorised Card Reader/Writer (MCRW) - supports all variats - ISO compliat magetic stripe cards, ISO compliat Smart Cards. Variat 1 - MCRW Track 2 (magetic stripe) Smart Card Variat 2 - MCRW Track 1/2/3 (magetic stripe) ISO Smart Card Variat 3 - MCRW Track 1/2/3 read/write Smart Card NCR i Scotlad is a world leader i self-service techologies. The compay has developmet ad maufacturig facilities i Dudee ad Dalgety Bay with a total of 1,500 employees / 98 The Iteratioal Smart Card Idustry Guide

232 232 Directory of Compaies Nedap N.V PO Box 6, 7140 AA Groelo, The Netherlads Tel: Fax: Smart Card Cotact: Hoge Esch (direct fax: ) Nedap specialises i cotactless Smart Cards ad systems for access cotrol ad trasport ticketig. Its first access cotrol systems were istalled i I 1987, it shipped its first reprogrammable EEPROM cards ad recetly itroduced the first combied cotactless ad ISO 7816 cotact card. Nedap has bee certified to Quality Stadard ISO Nedap access cotrol ad ticketig systems meet iteratioal stadards ad reduce operatioal costs through flexible fare structures, reliability ad flexibility. Trasactios are executed by fast, secure, batteryless ad cotactless commuicatios. Nedap cotactless cards commuicate at a surface distace of 10cms. Combied cotact/cotactless cards add fuctios usig existig ifrastructures. Nedap cotactless card systems are adapted to coform to customer requiremets ad ca itegrate other card techologies. Bus termials with itegrated diode matrix displays ad had termials, facilitate trasactios usig itegrated cotactless receiver / trasmitters. Nedap microwave receiver / trasmitters obtai distaces of up to 25 meters usig a booster for remote commuicatio with stadard cotactless chip cards. REFERENCES Access cotrol systems to large bakig facilities, Schipol Airport, Govermet buildigs, EEC headquarters etc. Skicard istallatio i the Zermatt ad Aletsh areas of Switzerlad. Remote fare collectio system trial - Dutch rail. NedCard BV Lageladseweg 48, 6545 CE Nymege, The Netherlads Tel: Fax: Smart Card cotact: Be Slager, Director NedCard is a idepedet maufacturer of all types of chip card modules. Chip card modules. Capacity 40 millio per year. Nestor, Ic Oe Richmod Square, Providece, RI 02906, USA Tel: Fax: Web site: Vice Presidet, Nestor Fiacial Solutios: Sushmito Ghosh Cotact: Tom Spillae, Marketig Director Tel: ext. 733 Fax: Nestor Ic is a leadig provider of itelliget decisio-support solutios for the fiacial services idustry. Nestor s cliet/server products icorporate iovative patte-recogitio techologies ideally suited for data-itesive, missio-critical decisio applicatios i real-time eviromets. The compay s products for fiacial istitutios support fraud detectio ad case maagemet for credit, debit, retail ad corporate card fraud, as well as merchat fraud; database marketig; ad Iteret customer support applicatios. Nestor s pateted techology is also The Iteratioal Smart Card Idustry Guide 1997 / 98

233 Directory of Compaies 233 beig applied to itelliget decisio applicatios addressig a variety of other markets, icludig real-time traffic maagemet, healthcare paymets ad itelliget character recogitio. PRISM Neural etwork-based card fraud detectio systems Nestor s family of PRISM risk maagemet solutios provides a comprehesive fraud detectio ad case maagemet solutio for a wide rage of paymet systems ad fraud cotrol targets. Combiig the patte-recogitio power of Nestor s pateted eural etwork risk models with expert rules ad advaced cliet/server software, PRISM dramatically reduces fraud losses - ad ehaces profitability - through highly accurate ad early fraud detectio. PRISM ca detect ad alert fiacial isitutios to all types of fraud o all paymet card products at authorizatio or withi miutes of the trasactio. From bak ad retail card fraud, to merchat fraud, credit applicatio ad bakruptcies, PRISM ca be the differece betwee catchig fraud ad payig for it. NET 1 Products (Pty) Ltd PO Box 2424, Parklads 2121, Johaesburg, Republic of South Africa Tel: Fax: Maagig Directors: S C P Belamat / A P Masvelt Netstal-Maschie AG 8752 Nafels, Switzerlad Tel: Fax: Geeral Maager: Dieter Klug Head of Sales ad Marketig: Berhard Merki Smart Card cotacts: Markus Dal Pia, Divisioal Sales Maager; Wolfgag Zagerle, Plastics Egieer Netstal is amog the world s leadig maufacturers of top quality, fast cyclig plastic ijectio mouldig machies with clampig forces from 600 to 4200 kn ad productio systems for specific applicatios. Amog Netstal s key markets are ijectio mouldig systems for iformatio carriers of all kids such as Smart Card plastic substrates, optical discs etc. It has a etwork of ow distributio ad service compaies i Belgium, Frace, Germay, Great Britai, Italy, Spai, Sigapore ad the USA as well as idepedet agecies, Netstal is represeted i more tha 40 coutries o all five cotiets. Netstal s parters for complete Smart Card maufacturig lies are Sempac S.A, Switzerlad ad Seropa, Frace. Complete Smart Card maufacturig lies. All rages of microprocessor cards plus readers, termials, PIN-pads, persoalisatio equipmet, desig ad fabricatio of special purpose equipmet. SERVICES Paymet systems desig, developmet ad implemetatio; back-ed systems, card persoalisatio ad iitialisatio, security systems, switchig systems, termial ad card software, card mask developmet; ad system feasibility studies. News Digital Systems I Heathrow Boulevard, 286 Bath Road, West Drayto, Middlesex, UB7 0DQ, UK Tel: +44(0) Fax: +44(0) Chief Executive: Dr Abe Peled Vice Presidet Europe: Ady Mathieso Head of Corporate Affairs: Margot Field 1997 / 98 The Iteratioal Smart Card Idustry Guide

234 234 Directory of Compaies News Datacom provides system solutios which protect ad cotrol access to iformatio ad is a market leader i the provisio of pay-tv Coditioal Access. News Datacom is a whollyowed subsidiary of News Iteratioal, owers of UK ewspapers such as The Times, Suday Times, The Su. News Iteratioal is part of The News Corporatio, the multi-atioal media ad commuicatios group. REFERENCES Built o its research ad developmet expertise, News Datacom has a global customer base i key iteratioal pay-tv markets, icludig: BSkyB, a multi-atioal satellite service with over three millio viewers i the UK, usig VideoCrypt Coditioal Access. StarTV, Asia - Aalogue ad digital Coditioal Access for this Hog Kog-based satellite televisio service, see by 45 millio people across 38 coutries. Hughes DirecTV, USA - VideoGuard Coditioal Access ad Authorisatio Cotrol Systems for North America s first high-power direct broadcast satellite (DBS) service lauched i Up to 100 millio viewers will have access to approximately 50 chaels of subscriptio, payper-view etertaimet ad iformatio programmig usig digital trasmissio. Nethold - paret compay of MultiChoice ad Europea pay-tv operator Filmet licesed to use VideoCrypt II for distributio of chaels across Norther ad Easter Europe. Provisio of Coditioal Access to Australia digital cable operator, Foxtel. The cable costructio programme by Foxtel parter Telstra is likely to be oe of the fastest i the world, expected to pass four millio Australia homes by the year Provisio of Coditioal Access to Hughes Galaxy Lati America. Begiig i early 1996, GLA will deliver more tha 140 chaels of Spaish ad Portuguese laguage programmig throughout Lati America. Provisio of Coditioal Access to ewly formed joit veture by News Corp., TCI, Televisa ad TV Globo. These are plaig a digital DVB service i 1996 ad deliverig multi-chaels across Lati America. Pay-TV Coditioal Access ad Smart Card techology is the key to its products flexibility, providig a secure but easily replaceable device which has prove ideal for pay-tv. I pay-tv, the Smart Card serves as a active security device which maages the scramblig/uscramblig process ad cotrols overall system fuctioality. Smart Card-based Subscriber Access Cards ca be chaged o a regular basis to provide ew subscriptio services ad security ehacemets. NTT Data Commuicatios Systems Corporatio Toyosu, Koto-ku, Tokyo 135, Japa Tel: Fax: Chairma: Shirou Fujita Presidet: Tomeo Kambayashi Seior Vice Presidet: Masaori Satou Smart Card cotact: Ms Yoko Tomioka, Iteratioal Affairs Departmet NTT subcotracts maufacturig of its Smart Cards to a few vedors, icludig a Europea compay, ad has issued more tha eight millio cards ad delivered more tha 100 systems. Type Memory Capacity EEPROM Ecipherig / Decipherig mii S 0.5K bytes Ecipherig Oly S 8 8K bytes Ecipherig Oly SA 8K bytes Both applicable S-type IC Card Series S-type The Iteratioal Smart Card Idustry Guide 1997 / 98

235 Directory of Compaies 235 Hardware Characteristics ADM commad set Item Physical properties of card Cotacts LSI Memory: type ad capacity trasmissio protocol Stadard or fuctio Credit card size (ISO ) Six Oe chip, 8 bits microcomputer (CMOS-LSI) EEPROM, 8K bytes Block trasmissio protocol (ISO Japaese proposal: 9600bps) Commads Six basic types (ISO Japaese proposal), three optioal types Fuctios Programmed eciphermet fuctio Geeral FEAL Idetificatio, commucatio, data storage, ad data protectio Security Other Holder autheticatio, eciphermet ad deciphermet of data, trasactio certificatio, ad message autheticatio Multi-puropse usage, settig of various keys Model Adaptable Card Type Type No. of Slots PIN-pad Power Supply SRW-1 SX-type Desktop 1 Exteral Iteral SRW-3 SX-type Desktop 1 Built-i Exteral SRW-4 SX-type/SA type Desktop 2 Built-i Exteral O Oakwood Desig Jubilee Cetre, Letchworth, Herts, SG6 1NE, UK Tel: +44 (0) Fax: +44 (0) I 1997 Oakwood Desig are celebratig twety successful years of expertise withi the maufacturig of machiery for the card idustry. Oakwood has a product rage coverig all aspects of card maufacturig from small through to largescale productio. Chairma: Roy Simmos Marketig: Kathy Purdue Cotact for sales: Paul Holloway/Michelle Simmos Tapelayig Lamiatig Puches ad guilloties / guillopuches Hologram ad sigature pael Bech top IC card systems Chip card systems / itegrated ad stad aloe systems Ispectio / ecodig 1997 / 98 The Iteratioal Smart Card Idustry Guide

236 236 Directory of Compaies Card coutig / sortig / card wrappig / badig / cartoig systems ODS R. Oldebourg Datesysteme GmbH & Co. KG Ludwig-Erhard-Str. 16 D Neufahr, Germay Tel: Fax: Maagig Director: Dr Armi Pretzsch Director Sales & Marketig: August Lammersdorf Marketig/Commuicatios: Eva Keil Cotact ames for smart cards, products ad services: Telecommuicatios/Multimedia: Kempf Bakig/Fiace: Adré Laux Trasport/Traffic: Adreas Schmidt Christoph Healthcare/Public Authorities: Mafred Gebhardt ODS was fouded i 1987 ad is located i Neufahr ear Muich with a secod productio site i Seebach (Thurigia). Due to it extesive expertise the compay has become oe of the leadig maufacturers of Smart Cards for applicatios i telecommuicatios/multimedia, bakig/fiace, healthcare/public authorities ad trasport/traffic. ODS also offers its customers idividual system solutios accordig to their specificatios, icludig comprehesive services, software developmet ad hardware itegratio. I-house module productio allows flexibility i chip card supplies ad the optio of processig chips from all well-kow semicoductor maufacturers. ODS is a compay of Ladis & Gyr Commuicatios located i Geeva, the world s umber oe supplier of payphoes, associated fiacial trasactio maagemet systems ad visual security devices (Kiegram). Ladis & Gyr Commuicatios ad ODS employ about 1700 people worldwide ad belog to the Swiss Electrowatt Group. Chip cards Prepaid Telephoe Chipcards ODS was oe of the first suppliers of phoecards for Germa Telekom ad today provides customers i Europe ad abroad with millios of prepaid telephoe cards every year. I this field ODS ca make use of telephoe system expertise from Ladis & Gyr Commuicatios. GSM SIM-Cards ODS maufactures SIMs (Subscriber Idetity Modules) for mobile commuicatios. Stadard features are: GSM Phase 2 (GSM Versio 4.18), 3 Volt techology (GSM 11.12), Phase 2+ i preparatio. ODS has developed its ow GSM operatig system, icorporatig the latest features defied by the Europea Telecommuicatios Stadards Istitute (ETSI). SIMs from ODS provide ehaced security features ad additioal applicatios o the card itself. The flexible operatig system supports customer-specific eeds ad system features. As full member of ETSI, ODS participates i the ogoig developmet of GSM stadards ad related systems (DCS 1800, PCS 1900, ARIB). Chipcards for Multimedia Applicatios ODS develops multifuctioal microprocessor chip cards for applicatios i the field of data ecryptio/secure commuicatio, pay-tv (sigal decryptio ad maagemet of subscriber fees), secure access to olie services e.g. homeshoppig, homebakig as well as for electroic purse applicatios i telecommuicatios, trasport ad other sectors. Paymet Cards ODS is oe of the leadig suppliers of major electroic purse projects, e.g. of the GeldKarte/eccard with chip issued by the Germa baks. The compay also supplies electroic purse applicatios combiig telecommuicatios, trasport ad other sectors, like for example the T- The Iteratioal Smart Card Idustry Guide 1997 / 98

237 Directory of Compaies 237 Card by Germa Telekom. Certified by Europay, Eurocard/ MasterCard, Visa, ZKA ad ISO 9000, ODS provides highest quality throughout the complete productio process for all kids of bakig ad credit cards. Health Isurace Cards ODS produces the memory chip cards issued by the Germa health isuraces accordig to the relevat stadards ISO 7810, 7816-x, providig flexible chip supply, laser persoalizatio ad idividual lettershop. BODYCARE ODS has developed a medical smart card system which facilitates commuicatio betwee healthcare providers ad thus helps to save costs. It cosists of a patiet s card ad authorisatio cards for doctors ad pharmacists ad cotais elaborate security mechaisms (PIN/password, data ecryptio, photo) for protectio agaist abuse. BODYCARE is based o the chip operatig system ODS-COS ad is ope for additioal fuctios. ID Cards with or without chip; electroic ecryptio, colour photograph, persoalizatio ad visual security devices available Cotactless Cards based o mifare or hitag techology, for automated fare collectio, ticketig, access cotrol etc. Biometric Applicatios based o Smart Cards, e.g. access cotrol by figerprit recogitio Smart Card Devices MKT Series of multifuctioal card termials for various applicatios (e.g. access cotrol to computers) with ergoomic ad elegat desig. The microprocessor-based system accepts up to three differet cards at the same time (credit card size ad GSM module size) ad is able to process memory cards (e.g. Germa health isurace cards) as well as microprocessor cards (e.g. eccard with chip). The MKT is available as stadard model or upgraded model with display ad keyboard. It offers a RS232 iterface ad supports dowloadig of software without special tools. O request, applicatio developers receive a library for itegratig the termial to existig programs. Software ODS-COS - The Family of Powerful Chip Card Operatig Systems compliat to ISO to 5, supports stadard processors as well as crypto processors for RSA ecryptio, versio for combicards available, EEPROM size from 4K up to 16K bytes for applicatio data, semicoductors from Siemes, Philips ad Thomso are supported, strog security features, dyamic file maagemet, ulimited umber of hierarchical levels i the file structure, optimal support for multifuctioal applicatios. Applicatio Maager itelliget cocept for maagemet of free memory space o the chip (e.g. of electroic purses) to support multiple applicatios o oe card. SERVICES Software developmet, project cosultacy ad maagemet, card desig, techical realisatio, persoalisatio, lettershop. OF Orell Füssli Security Documets Ltd., Dietzigerstrasse 3, CH Zurich, Switzerlad. Tel: Fax: Marketig ad Sales: Astrid vo Redig Maagemet Cards: Modas vo Burg Maufacturers of plastic cards ad Smart Cards. Oki Electric Europe GmbH Hellersbergstrasse 2, Neuss, Germay Tel: Fax: / 98 The Iteratioal Smart Card Idustry Guide

238 238 Directory of Compaies CMOS 8 bit Microcotrollers Type ROM EEPROM RAM Max Clock Speed Voltage Availability MSM K bytes 0.5K bytes 64 bytes 5MHz 5V Now MSM K bytes 2K bytes 192 bytes 5MHz 5V Now MSM K bytes 8K bytes 192 bytes 5MHz 5V Now MSM K bytes 1K bytes 128 bytes 5MHz 5V Now MSM K bytes 4K bytes 192 bytes 5MHz 5V Now MSM K bytes 8K bytes 384 bytes 5MHz 3-5V Now MSM K bytes 4K bytes 320 bytes 5MHz 3-5V Now Maagig Director: T Wataabe Marketig Maager: H Nakagawa Oki Semicoductor (UK) Ltd Uit 5, Shaftesbury Court, 18 Chalvey Park, lough, Berkshire SL1 2HT, UK Tel: +44 (0) Fax: +44 (0) Smart Card cotact: Ala Reed Omega Digital Data Ic 8100 Keele Street, Cocord ON LAK 2A3, Caada Tel: Fax: Web site: Cotact: David Groves, Vice Presidet, Marketig Omega Digital Data Ic. desigs, maufactures ad markets iovative wireless EFTPOS solutios for credit, debit ad stored value (Smart Card) trasactios. Omega s wide rage of product lie eables ad ehaces o-lie authorisatios performed i Local Area Network (LAN) or Wide Area Network (WAN) eviromet as well as covetioal wired techology. Omega s corporate facilities are i Cocord (Otario) with offices worldwide i Atlata (Georgia), Aucklad (New Zealad), Seoul (Korea) ad Tai Pei (Taiwa). Omega Digital addresses mobile, fixed ad fixed permaet markets with the followig products: AERIAL - Wireless RF LAN trasactio termial SOLO - Wireless RF WAN mobile trasactio termial BEACON - RF LAN termial cotroller STRATO - RF WAN commuicatios coverter GLIDER - Wired trasactio termial ESCORT - Secure PIN etry device ESCORT#2 - Secure PIN etry device with IC reader ESCORT#3 - Secure PIN etry device with MSR ad computer coectivity UNIPAD - Uiversal secure PIN etry device with MSR, IC ad SAM GLIDER#2 - Wired desk-top trasactio termial with itegrated thermal priter GLIDER#3 - Wireless desk-top WAN trasactio termial with itegrated thermal priter. O Track Iovatios Ltd. Z.H.R. Idustrial Zoe, PO Box 32, Rosh-Pia 12000, Israel The Iteratioal Smart Card Idustry Guide 1997 / 98

239 Directory of Compaies 239 Tel: Fax: Web site: Maagig Director: Oded Basha Marketig Director: Ofer Tziperma Smart Card cotact: Ofer Tziperma Subsidiary: EasyPark Ltd., developer of electroic parkig solutios based o OTI s cotactless techology. O Track Iovatios Ltd. (OTI), was fouded i 1990 by a group of egieers specializig i Smart Card applicatios. The uique techology developed by OTI represets a worldwide breakthrough i cotactless Smart Card techology ad eabled OTI to make a iche for itself i the iteratioal market i a relatively short period of time. I 1993 OTI was grated a US patet for its System ad Method for the No Cotact Trasmissio of Data. I July 1996, OTI completed successfully a iteratioal istitutioal private placemet at a evaluatio of US $63 millio. Outlie specificatio o each product: The EYECON ad PORTRAC families of products are based o a self-cotaied, cotactless, passively powered radio frequecy traspoder i the form of a credit card size (ISO) or ay other desired shape. The EYECON traspoder cotais 1K to 8K bytes of EEPROM, while the PORTRAC ca icorporate K bytes. Alog with all the related aalogue ad digital traspoder fuctios of microprocessor based CMOS electroics, it also has a high-speed read/write capability. The cotactless card receives its power from a MHz icidet magetic field that is geerated ad amplitude-modulated to trasmit commads ad data by a i-rage atea. Whe a valid trasmissio from the atea is detected ad decoded by the card, the respose is immediately ecoded. The card respods istataeously whe withi rage of the Reader s Atea. It surpasses the capabilities of read-oly RFID applicatios by providig a write fuctio with performace equal to its read fuctio. Smart Card Specificatios Read/write rage: Up to 15cm (6 ) RF frequecy: MHz Data operatio: half duplex Data trasmissio rate: kbaud Data error checkig: legth, parity, frame, bits, CRC. Operatig temperature: -25 to +85C (ABS) Storage temperature: -40 to +125C (ABS) Humidity: moisture-resistat Microprocessor based operatig system ROM: 6-16K bytes RAM: bytes EEPROM: 1-8K byte (EYECON) 128 bytes - 256K bytes (PORTRAC) Ecryptio: DES, RSA Ati-collisio mechaism Cotact/cotactless operatio Smart Card Devices OTI s uique pateted cotactless reader provides the followig qualities: A B C D REFERENCES The possibility to use a remote atea coected to the reader via a legth of cable of up to 33 meters; The ability of coectig several passive ateas to oe physical reader; Easy itegratio with existig systems; Miimal maiteace. OTI implemeted its techology i various applicatios worldwide: GMS -gasolie maagemet system Automatic fare collectio Easy Park - electroic parkig card systems 1997 / 98 The Iteratioal Smart Card Idustry Guide

240 240 Directory of Compaies EYECON - electroic purse Waste maagemet system TPM - Total Persoel Maagemet TGM- Total Guest Maagemet Access cotrol ad time & attedace Shop floor cotrol Medical data card Fuctioal Card (MFC). The MFC allows automated bakig, electroic purse (credit ad debit), public telephoe, videotext access ad home bakig. ORGA makes this expertise available for other iteratioal multi-fuctioal applicatios specifically tailored to each eviromet. ORGA Kartesysteme GmbH A der Kapelle 2, Paderbor, Germay Tel: Fax: Web site: Maagig Director: Lutz Martiy Marketig Director: Jurge Kempe Smart Card cotact: Adreas Driesse Subsidiary: ORGA Card Systems (UK) Ltd., Braywick House, West Widsor Road, Maidehead, Berks SL6 1DN, UK Smart Card cotact: Simo Reed, Head of Strategic Marketig for the Orga Group Tel: +44 (0) Fax: +44 (0) ORGA is a leader ad specialist for microprocessor-based solutios ad systems for Smart Cards. I 1985, ORGA preseted the world s first Microprocessor based chip card with o-board Electrically Erasable Programmable Read Oly Memory (EEPROM). Followig this, the compay was restructured ito three groups to deal with Smart Card Productio, Smart Card Products ad Smart Card Software Developmet ad Applicatios. The group has four mai subsidiaries of which ORGA UK is the largest. The others are i the USA, Frace, Sigapore ad Russia. The group also icludes a large umber of specialist agets i areas such as Idia, Czech Republic, Belgium ad Australia. The compay is structured ito the mai departmets of Developmet, Marketig, Sales, Cosultig, Product Developmet ad Productio of Smart Cards (microprocessor cards, memory cards). The sales group is structured o a busiess uit basis. I 1992, two large orgaisatios, Preussag AG (37.45%) ad the Germa Budesdruckerei (37.45%) bought ito ORGA. I 1993, Deteco (25.1%) became the third parter. Preussag is a multi-atioal idustrial coglomerate with a backgroud i steel productio, ship buildig ad heavy idustry. Deteco is a cosultacy orgaisatio established by Germa Telekom, Deutsche Bak, Dresder Bak ad the Bau ud Hadelsbak. Its backgroud is i cosultig o fiace ad telecommuicatios projects o a global basis. ORGA offers various Smart Card solutios i additio to high-level software customisatio ad developmet usig Smart Card applicatios. The rage icludes Smart Cards, developmet services ad kits, persoalisatio systems, frot ed applicatios, cosultacy ad associated services. ORGA Card Systems is structured ito Busiess Uits (BUs). The curret uits are; Telecommuicatios, Fiace & Retail, Health & Access Cotrol, ad a fourth coverig Emergig Markets. The BUs are resposible for the followig ORGA products: I other areas, ORGA has developed the specificatio for the world s first large scale Multi The Iteratioal Smart Card Idustry Guide 1997 / 98

241 Directory of Compaies 241 Telecommuicatios SIM Cards The SIM Card is the persoal idetificatio device to the mobile phoe ad etwork. This provides autheticatio of user ad may other services icludig speed diallig, call scramblig ad messagig. Dr SIM ORGA s poit of sale termial eablig testig, repairig ad data maipulatio of SIM Cards. SIM Editor A egieerig tool eablig SIM coformity testig, hadset ad etwork testig, quality cotrol ad error aalysis. ORGA Pre-Paid Service Cetre (OPSC) OPSC is the world s first true pre-paid applicatio for GSM ad DCS mobile etworks. The etwork operator has the ability to provide immediate service without ay risk of bad debtor eed for credit cotrol. SIM Simulator A egieerig tool to allow fuctioal ad electrical testig of SIM cards ad mobile hadsets. OSDD Over-The-Air fuctioality allowig the etwork operator to remotely update the cotets of SIM data fields without havig physical access to the SIM. This is carried out usig a short message mechaism. Fiace ad Retail The P-Card The P-Card is a loyalty ad paymet system for retailers utilisig the multi-fuctioality that a Smart Card ca provide (e.g. electroic purse). EPT 5000 The multi-fuctioal Smart Card reader termial for bakig ad retail use. PAM 110 The itelliget Smart Card iterface module for electroic purse cards, which is desiged to be icorporated ito vedig machies. The ACE Approver The automised testig istrumet for Smart Card termials. The ACE simulates the fuctioal (protocol level) ad electrical behaviour of a chip card accordig to the EMV Itegrated Circuit Card Specificatio for Paymet Systems. Balace Reader The electroic purse reader i pocket format. Health & Access Cotrol MKT Card Reader A desktop Smart Card reader for the medical idustry. DEFICARD For patiets sufferig from serious cardiac arrhythmia ad poor left vetricular fuctio. Specific patiet details are stored o the card allowig after-care treatmet to take place close to patiet s homes as data trasfer from cliic to cliic is made easier. DetCard Storage of patiet case history icludig treatmet carried out ad iformatio required for billig such as X-rays ad materials used. CARE 820 Used i the home ursig field for mobile data etry of hours of work ad services performed. This could iclude duties carried out whe visitig a seior citize, such as preparig luch. ORGA Mobile Office This provides all the facilities required for fillig i pre-prited blak medical isurace forms, eve if you are situated i a remote area. The compact uit cosists of a small powerful priter ad a portable Smart Card reader (HML 825). ChipLock The access security system for PCS, allowig protectio agaist uauthorised access X-Secure Smart Card security for UNIX-Networks, allowig protectio of workstatios agaist uauthorised access. TIME 550 ad TIME 820 Moder employmet practices are showig a 1997 / 98 The Iteratioal Smart Card Idustry Guide

242 242 Directory of Compaies growig tred towards flexible workig hours. To deal efficietly with the associated problems, a automated flexible data etry system is required which ca be liked to a payroll system - this is the TIME 550 ad TIME 820. Emergig Markets System 3000/ 5000/ 8000 The multi-fuctioal Smart Card reader with 2 full size card slots ad 4 plug-i card slots. VoCard The Smart Card termial featurig voice recogitio. VoCard is used primarily for access cotrol ad for authorisig access to data ad equipmet. Toll Systems For road tollig usig either the GSM/ GPS or Beaco based systems. I additio ORGA offer a rage of products that are used withi all BUs. These are: Smart Cards Microprocessor The followig rage of processor cards are available. À ICC4.1/ 3K - This is available i two applicatio versios. Either with T=0 protocol, or with T=0 plus data ecryptio, based o the DES (Data Ecryptio Stadard) algorithm. À ICC4.1 /8K - Comes i three applicatio versios. T=0, or T=0 plus DES, ad the multi-fuctio card with T=0, T=l ad T=14 plus DES algorithm. À MICARDO - This offers multi-applicatio fuctioality with a optioal public key cryptography. It features RSA based digital sigature authorisatio, DES based ecryptio, variable EEPROM memory sizes (presetly 8K with 16K beig developed) ad a multi-applicatio operatig system eviromet. Memory Cards without Memory Protectio The memory cards OMC 256T ad the OMC 2048X are reusable with the possibility to store ad debit e.g. values, times, quatities, etc. Commuicatio is established via the I² Bus. Each storage positio ca be idividually erased ad writte i repetitio. The OMC 256T ad the OMC 2048X offer memory capacities of 256 ad 2048 bytes. Memory Cards with Memory Protectio These are the OMC 104P, OMC 240P, OMC 1024 SP, OMC 24O SP ad the OMC 208 S. These cards are maily used for storage of uits or amouts of moey, ad are widely used i loyalty schemes or vedig applicatios. The OMC l04p cotais a electroic couter with 104 bits, comparable to the pre-paid throw away telephoe cards, commoly kow throughout the world. The memory is loaded with uits oce, which ca the be debited afterwards. The OMC 208 S features a memory of 208 bits, which is protected by security logic ad ca be reloaded up to 64 times. A idividual, customer specific security code is also available for quatities above 10,000 pieces. The OMC 240 SP with a memory of 256 bytes has the added security feature of a associated PIN umber ad is capable of up to 10,000 read/ write cycles. The OMC 1024 SP offers access protectio for processig higher amouts of data. The card has 1024 byte memory ad is equipped with a error couter that disables the card after a icorrect PIN has bee etered three times. Smart Card Readers ICCR 6.1 A desktop Smart Card reader compatible with all card types ad applicatio areas, allowig protocol commuicatio with all curret stadards. Card Drive 310 A OEM Smart Card reader compatible with all card types ad applicatio areas. Card Reader Ehaced Adaptor Module 2.1 (CREAM) A OEM Smart Card reader compatible with all card types ad applicatio areas. Micro Chip Termial 2.1 (MCCT) A OEM card reader compatible with memory cards oly. The Iteratioal Smart Card Idustry Guide 1997 / 98

243 Directory of Compaies 243 HML 825 A mobile Smart Card reader for all card types ad applicatio areas. Persoalisatio Systems HPS 200 Persoalises Smart Cards for all applicatio areas. Photos, text ad bar codes ca be prited ad all commo types of memory ad processor chips coded i oe process. HPS 500 For programmig ad testig chip cards ad hybrid cards. It is ideal for series electrical oly persoalisatio of large quatities of cards. HPS 1000 A family of desktop systems for series persoalisatio of medium to large quatities of cards. Chips ad magetic stripes are coded, with a graphical optio usig thermal trasfer techology. HPS 1200 A PC system for Widows 3.11 ad 95 that persoalises smart cards electrically ad with full colour prit facilities. It supports all types of Smart Cards ad a camera ad scaer are available for recordig pictures ad artwork masters. HPS 2000 A compact fully automatic system for programmig, testig ad iscribig chip cards ad hybrid cards usig laser techology. HPS 4000 This offers all the features of the HPS 2000 plus more tha 110 hoppers for differet card layouts. The robotic system allows fully automatic hadlig of several card stacks, with differet persoalisatio requiremets. HPPS This offers ay combiatio of stadard persoalisatio procedures i oe system. The system cosists of several card processig statios arraged i parallel ad i series (chip ad magetic stripe codig, laser pritig etc), which are liked via a flexible card feed system ad which ca be combied to meet the requiremets placed by productio volumes ad special persoalisatio procedures. OPC The ORGA Persoalisatio Cetre is a system for maagig ad cotrollig a productio facility to optically ad electrically persoalise all types of Smart Cards (e.g. i the areas of telecommuicatios, health, ID, bakig ad access cotrol). Developmet Kits Programmig Set The Programmig Set is desiged for use by Smart Card applicatio programmers ad simplifies the task of developig ad testig applicatio software. It comes complete with all the ecessary PC iterface hardware ad sample cards. Software is icluded i the package, cotaiig DLL s ad chip cards to assist the applicatios programmer i desigig the system. Other Developmet Kits The Developmet kit is desiged for use by Smart Card applicatio programmers ad simplifies the task of developig ad testig applicatio software. It is desiged to be used with the ICCR 6.1, Card 310, CREAM ad MCCT Smart Card readers. REFERENCES Customers: Vodafoe, Cellet, Orage, Eircell, Syscom, Etisalat, TCI, Telstra, Irdeto, Microcache, Racal P PCSL (formerly PC Security Ltd) Widsor House, Spittal Street, Marlow, Bucks SL7 3HJ, UK Tel: +44 (0) Fax: +44 (0) Web site: / 98 The Iteratioal Smart Card Idustry Guide

244 244 Directory of Compaies Maagig Director: Alex McItosh Marketig Director: Kirsty MacFarlae Smart Card cotact: Jae Mulliga PCSL is a specialist i desig, implemetatio ad support of software to protect valued iformatio assets from accidetal ad deliberate breaches of security. PCSL s rage of Stoplock products offers comprehesive access cotrol ad security maagemet facilities for desktop PCs ad laptops with optioal additioal levels of protectio from Smart Cards ad other tokes. The first compay to attai level E3 of the Europea ITSEC stadard for products i its class, PCSL also offers a portfolio of cosultacy implemetatio, traiig ad support services to its customers from both commercial ad public sector. PCMCIA Smart Card reader The PCMCIA reader fits ito the PCMCIA slot o a laptop or otebook computer. The reader is compatible with all Type II ad Type III PCMCIA slots ad supports most ISO 7816 compliat Smart Cards. Stoplock V/SC Stoplock V/SC provides comprehesive access cotrol at the PC or laptop, itegratig with a Smart Card to provide a extra layer of security o top of Stoplock software. It stregthes user autheticatio requirig the user to preset a valid Smart Card i additio to providig a geuie user ID ad password. The Smart Card holds iformatio o the user, defiig access rights to the PC ad its resources such as disk drives ad devices. The Smart Card also cotais iformatio o the user s data ecryptio key which is itself ecrypted uder the user s password. Philips Semicoductors Mikro Weg 1; 8101 Gratkor, Austria Tel: Fax: Web site: idetificatio Head of Product Lie: Guter Schlatte Marketig Maager: Alexader Harrer Smart Card cotact: Peter Gasteier Tel: Fax: Philips Semicoductors has bee a pioeer i Smart Card ICs for applicatios demadig high security ad customer coveiece. With sales of US $ 4.2 billio the compay is the world s ith largest semicoductor maufacturer (Source: Dataquest March 1997). Crypto Cotrollers Back i 1985 the compay was the first to itroduce a DES implemetatio o a Smart Card cotroller. I 1991 the compay released the first ever microcotroller with crypto co-processor, the CORSAIR. Today Smart Card chips with FAME ad FAMEX crypto co-processors, fully scaleable up to 2048 bits, are produced for applicatios requirig high security stadards such as electroic commerce or pay-tv. A typical public key operatio (RSA bit) is calculated withi 305 ms. A crypto library - cotaiig a full set of modulo arithmetic commads - allows the implemetatio of differet crypto algorithms. Security Cotrollers Philips offers differet 8-bit microcotrollers with 8051 core for applicatios ragig from electroic purse to GSM. A set of security sesors supervises the iterfaces ad protects data from uauthorised access. MIFARE Architecture Platform More tha 20 millio MIFARE Smart Card ICs are i use worldwide. The multi-applicatio capability combied with the security cocept ad fast trasactio speed suits the demads of service providers i public trasport. The MIFARE LIGHT Card IC is the optimised small memory product for sigle applicatio cards. It is targeted The Iteratioal Smart Card Idustry Guide 1997 / 98

245 Directory of Compaies 245 Type ROM EEPROM RAM Voltage Clock Crypto Co-processor P83C852 6K bytes 2K bytes 256 bytes V 1-6 MHz CORSAIR P83C855 20K bytes 2K bytes 512 bytes V MHz CORSAIR P83C858 20K bytes 8K bytes 640 bytes V MHz FAME P83W858 20K bytes 8K bytes 800 bytes V 1-8 MHz FAMEX Type ROM EEPROM RAM Voltage Clock Timer P83W862 10K bytes 2K bytes 256 bytes V 1-8 MHz 2 x 8 bit P83W864 20K bytes 4K bytes 256 bytes V 1-8 MHz 2 x 8 bit P83W868 20K bytes 8K bytes 384 bytes V 1-8 MHz 2 x 8 bit P83W K bytes 16K bytes 384 bytes V 1-8 MHz 2 x 8 bit Type EEPROM Autheticatio PCF bits - PCF 2233/ bits Challege/Respose PCF 2032/ bits Password PCF bits Challege/Respose Type EEPROM Frequecy Aticollisio Baud Rate Idepedet Sectors MIFARE S 8K bit MHz Yes 106 kbd 16 MIFARE LIGHT 384 bit MHz Yes 106 kbd 1 Type ROM EEPROM RAM Clock (MHz) Frequecy Baud Rate Crypto Coprocessor MIFARE PLUS 17K bytes 8K bytes 256 bytes MHz 106 kbd MIFARE PRO 16 (20)K bytes 8K bytes 256 bytes MHz 106 kbd Triple DES Type ROM EEPROM RAM Firewall Crypto Coprocessor Available 83WSXA516 20K bytes 16K bytes 1,5K bytes Yes-Hardware FAMEX Mid / 98 The Iteratioal Smart Card Idustry Guide

246 246 Directory of Compaies at high volume, cost sesitive applicatios such as public trasport tickets or cotactless phoe cards. To complemet the MIFARE product rage, two Dual Iterface (cotact ad cotactless) Smart Card ICs are also available. Dual Iterface Smart Card ICs The MIFARE PRO, the first microcotroller based Smart Card IC allows full access to the CPU via the cotact ad the cotactless iterface, secured with a oboard Triple-DES crypto co processor. Hece chip card operatig systems ca be executed via the cotactless iterface. The access coditios to the EEPROM ca be cofigured depedig o the iterface. The MIFARE PLUS combies stadard MIFARE cotactless Smart Card techology ad cotact Smart Card techology o a sigle chip sharig a commo EEPROM. The access coditios to the memory ca be cofigured similar to the MIFARE PRO. SMART XA - 16-bit microcotroller The ext geeratio for Smart Card ICs - 16-bit CPU core, multi-taskig, hardware firewall for true separatio of applicatios ad the FAMEX crypto co-processor provide the secure coexistece of several applicatios o a sigle card. The system is optimized for high level laguages (HLL) such as Java. Cotact Memory ICs Telecom ad memory ICs with ad without secured access. The ew PCF2050 (Relatiochip) is desiged for credit card ad loyalty fuctios o a cost optimised Smart Card. A challege respose protocol secures the o-lie trasactio ad prevets fraud through couterfeit credit cards. Philips TRT Smart Cards & Systems (see etry for De La Rue Card Systems) Precis Smart Card Systems, Ic Quail Creek Road, Suite 108, Oklahoma City, OK 73120, USA Tel: Fax: Web site: Presidet: Jim Lout Smart Card cotact: Rady Bedar, Vice Presidet of Marketig Precis Smart Card Systems, Ic is a leadig developer of Smart Card applicatios i the Uited States. Precis was the first to offer major league baseball its Precis Cache software i a applicatio for the Chicago White Sox. The same applicatio was also the first used by a atioal hockey league team for the St. Louis Blues. Other applicatios iclude reloadable Smart Cards with Precis Reserve ad a loyalty applicatio uder developmet. Precis offers a complete healthcare Smart Card system, called MediCard. This system offers patiet data, isurace iformatio ad medical history to ambulaces, hospital emergecy departmets ad fire departmet vehicles. Precis develops products for a wide rage of compaies i the etertaimet, medical, fiacial, educatioal, security ad retail idustries. Protecho Card GmbH Kligederstrae 1-3, Paderbor, Germay Tel: Fax: Web site: Maagig Director: Jurge Hilkemeier Smart Card cotact: Ralf Goerge, Marketig Director Protecho Card is oe of the leadig maufacturers of hardware solutios for the persoalizatio of plastic cards. The rage of products icludes moochrome thermal trasfer priters ad colour dye-sublimatio priters. Priters ad ecodig ca be performed o magetic stripe cards ad Smart Cards. Furthermore, Protecho Card offers a complete The Iteratioal Smart Card Idustry Guide 1997 / 98

247 Directory of Compaies 247 solutio for the automatic mailig of plastic cards (Iserter). Protecho Card is specialized i idividual solutios ad customizatio. REFERENCES Schlumberger, ORGA, ODS, AU-Systems, G&D, Setec Maufacturer of persoalizatio systems for plastic cards. SERVICES Research & Developmet, hardware ad software Cosultacy ad project maagemet Marketig cocepts Card layout ad desig, pritig ad persoalisatio EFTPOS (Germay oly) R Q Quadriga GmbH Kartesysteme Eschbachstr.12, D Köigsfeld, Germay Tel: Fax: Maagig Director: Aro Fröba, Dipl.-Ig. (FH) Quadriga was formed i 1996 to service the growig card market. Its rage of products ad services cover from hardware ad software cosultig to cards of all kids ad makes. Cards (Smart, magetic, plastic, paper) Termials (etrace cotrol, time accoutig, parkig, telephoe etc.) OEM compoets (reader/writers, (o) motorised, card cutter for edless paper cards.) Cash register Card dispesers (coi / bak ote) Card revaluators (desk top/wall mouted for selfservice) Racal-Airtech Ltd Meadow View House, Log Credo, Aylesbury, Bucks, HP18 9EQ, UK Tel: +44 (0) Fax: +44 (0) Maagig Director: Ala Lamb Smart Card cotact: Terry Plume, Marketig Maager Racal-Guardata, Ic: 480 Sprig Park Place, Suite 900, Herdo, Virgiia 22070, USA Tel: Fax: Racal- Airtech is a idepedet supplier of data security products, systems ad services with a direct presece or represetatio i 80 coutries worldwide. Gateway Security System A Smart Card-based off-the-shelf etwork security package provides three key elemets of security - access cotrol, ecryptio ad autheticatio. Ca be applied to etworks based o aalogue ad digital, leased or dialled circuits, icludig high speed 2Mbit/s (T1/E1) liks ad public packet 1997 / 98 The Iteratioal Smart Card Idustry Guide

248 248 Directory of Compaies switched services. Protocol support embraces emergig stadards as well as established asychroous, X.25, SNA/SDLC ad Bisyc commuicatios. Autheticatio parameters idetifyig users to the security system ca either be fixed passwords, keys or passwords stored i Smart Cards or passwords geerated by Racal s WatchWord challege/respose device. Cryptographic Autheticatio Termial (CAT) RG2001H Smart Card based termial security devices offerig low-cost ed-to-ed data security ad user autheticatio for the termial ad PC user. The CAT requires direct PIN etry to gai access to the Smart Card. Added security for the CAT combies the security elemets of somethig kow (a PIN) ad somethig owed (a Smart Card) with cryptographic protectio. RG230 Smart Card Iterface Termial Desiged to be used i cojuctio with a host Persoal Computer i applicatios where it is preferable to store certai sesitive iformatio o the secure Smart Card. This allows a PC equipped with a SCIT to provide access cotrol features which esure that oly authorised idividuals (i.e. those holdig a valid Smart Card) are permitted to use a applicatio. RG210 PCSM Smart Card Termial Desiged to coect directly to the RG700 family of Persoal Computer Security Modules (PCSMs) via the built-i Smart Card iterface. It ca be used to read, write ad format Smart Cards for use with the RG700 rage, ad with other Racal products such as the RG2001H Cryptographic Autheticatio Termial. SERVICES Card persoalisatio, security, system desig ad developmet, card issuig systems. Racom Systems Ic 6080 Greewood Plaza Boulevard, Greewood Village, Colorado 80111, USA Tel: Fax: Web site: Presidet: Richard Horto Cotact: Susa Trater, Marketig Commuicatios Maager Racom Systems, Ic bega operatios i 1992, ad istalled the world s first cotactless Smart Card automatic fare collectio systems for bus trasportatio i Machester, Eglad oe year later. Sice the, Racom has grow ito a leadig iteratioal supplier of Smart Card systems for electroic commerce. Racom card systems are used i automatic fare collectio, electroic trasactio capture ad poit-of-sale systems, customer loyalty, electroic beefits trasfer ad idustrial automatio systems. Racom s products provide user coveiece, walkthrough trasactio speeds ad card durability. Cotactless card commuicatio, battery-free desig, ehaced security ad fast, durable Ferroelectric Radom Access Memory (FRAM) make a ew level of security, speed ad reliability possible. Users ca coduct complete, secure fiacial trasactios i less tha oe teth of oe secod with typical card lives of 5-10 years i ormal use. Racom card systems support curret ISO stadards for Smart Cards, icludig operatio i cotactbased card readers, ad are projected to comply with emergig cotactless card stadards. LF Cotactless Card System Racom LF Commuicatio Cotrollers provide cotactless read/write capabilities betwee host systems ad LFM Cotactless Smart Cards or LFM Idustrial Tags. Deployed worldwide, LF- Series cards ad readers are at work collectig bus fares i Macau, providig access cotrol i Hollad, ad automatig maufacturig i the USA. LF-Series cards ad tags excel i highly repetitive applicatios, offerig te billio or greater read/write cycles, far greater tha ay other battery-less read-write techology. LF Smart Cards ad idustrial tags are available i memory The Iteratioal Smart Card Idustry Guide 1997 / 98

249 Directory of Compaies 249 sizes of 128 bytes or 512 bytes of read/write memory with password protectio. RX Cotact/Cotactless Card System To meet the eeds of high-speed electroic commerce applicatios, Racom has developed the RX Series Cotact/Cotactless Smart Card Systems. The RX System delivers fast, reliable, secure cotactless trasactio capture, as well as compatibility with ISO-stadard cotact card readers used i existig systems. The RX Series is the first card system desiged specifically for cotact/cotactless applicatios requirig secure files ad electroic purses. The systems eable walk ad wave trasactio capture for automatic fare collectio, electroic beefits trasfer ad loyalty programs where speed ad security are essetial. REFERENCES Racom cotactless cards ad systems have bee i use i a umber of EPOS, AFC, access cotrol ad idustrial automatio applicatios sice Rapac Electroics Ltd. 31 Lechi Street, PO Box 1461, Bei-Brak 51114, Israel are fully supported. REFERENCES Egged Ltd, Israel - atiowide bus trasport compay. Orpak Idustries (1983) Ltd. (Subsidiary of Rapac Electroics Ltd) address as above Geeral Maager: Hayim Kohe Smart Card cotact: Roy Kimia Tel: Fax: Orpak Idustries (1983) Ltd. develops, maufactures ad markets fuel maagemet ad taxi meter systems with electroic paymet capability. Fuelomat Maagemet (Dalka 2000 / RNI 2000) Taxi Meters (Metrolik 2000) Tel: Fax: Cotact: Avivit Kochavi Tel: Fax: TrasWay Ltd. (Subsidiary of Rapac Electroics Ltd) address as above Geeral Maager ad Smart Card cotact: Morris Be-Zake Tel: Fax: Supplier of fare collectio maagemet ad cotrol systems for public trasport. Secured Smart Card, cotact ad cotactless trasactios Report o Smart Cards 1333 H Street, NW Washigto DC, USA Tel: Fax: Web site: Maagig Director: David Fracis Marketig Director: Corad Heibel Smart Card cotact: Rod Kuckro Fax: / 98 The Iteratioal Smart Card Idustry Guide

250 250 Directory of Compaies Paret / Subsidiary Compay: Telecommuicatios Reports Iteratioal, Ic. Report o Smart Cards is the premier ews service coverig the explosive card techology busiess. Each biweekly issue covers the latest developmets i market treds, security, cotactless cards, stored value cards, fiacial issues, regulatio ad more. SERVICES Iformatio services Robert Burkle GmbH & Co StuttgarterStrasse , D Freudestadt, Germay Tel: Fax: Maagig Director: Has-Joachim Beder Marketig Director: Frak Tiefeld The productio programme of the machie maufacturer Burkle comprises press lies which meet the requiremets of maufacturers of plastic cards with respect to their size of the lamiates ad their productio capacity. A ecoomic ad efficiet lamiatio of plastic cards ca be realised usig the hot trasfer press lie of the series CHK. Burkle is also maufacturig presses for small lot productio ad the complete rage of hadlig equipmet. Tel:+44 (0) Fax: +44 (0) Web site: Maagig Director: Le Sauders Smart Card Services Loyalty Systems Paymet Systems Utilities, Access Cotrol REFERENCES Chelmsford Co-op, Lloyds Bak, Ladis & Gyr, Verifoe Scapoit Techology A/S Vibeholms Allé 22, DK-2605 Brødby, Demark Tel: Fax: Maagig Director: Youris Nora Smart Card cotact: Fi Speierma Scapoit has bee workig with software system solutios for the public trasport idustry sice 1980 ad sice 1985, has bee focusig o the desig, maufacture, delivery, implemetatio ad support of Automatic Fare Collectio (AFC) systems ad ow has more tha 10,000 istallatios worldwide. These ivolve a large umber of idepedet operators, complex fare structures ad multi-modal ticketig. S Sauders Jefferies Ltd Systems House, Statio Approach, Emsworth, Hats PO10 7PW, UK Scapoit offers AFC systems based o magetic strip, cotact ad cotactless Smart Cards. REFERENCES I Oslo, Norway, Scapoit Techology is presetly implemetig oe of the most The Iteratioal Smart Card Idustry Guide 1997 / 98

251 Directory of Compaies 251 comprehesive cotactless Smart Card AFC systems to be udertake aywhere i the world. S-Card A/S Hobrovej 775, DK 9230 Svestrup, Demark Tel: Fax: Maagig Director: Stee Rasmusse S-Card s mai service is the specialised productio of chip cards i accordace to customer specificatios. They also provide hardware, termials ad systems ad developmet Cards DANMØNT cards, memory cards, processor card, SIM cards, telecards Card Reader/Writers (two models) Schlumberger Electroic Trasactios 50, Aveue Jea-Jaurs, BP , Motrouge Cedex, Frace Tel: 33 (0) Fax: 33 (0) Geeral Maager Electroic Trasactios: Claus Kampma Geeral Maager Cards: Jacques Cosefroy Geeral Maager Telecom: Adre Camillo Geeral Maager Termials & Systems: Xavier Fliois Geeral Maager Retail Petroleum Systems: Patrick Bertho Schlumberger Electroic Trasactios offers a flexible portfolio of Smart Card-based solutios for busiesses ad commuities of all sizes. The Compay offer provides cards, termials, developmet tools ad support i ope cofiguratios for operators, developers, itegrators ad distributors aroud the world. Schlumberger provides both turkey solutios ad a full rage of tools ad services for telecom, bakig, retail, mass trasit ad parkig, healthcare ad etworks. The Smart Village I 1996, Schlumberger lauched The Smart Village, a brad that represets, i part, a visio of its highly iter-related social-commercial eviromet - a true world village. This world village brigs limitless access to the goods ad services with which idividuals fulfill persoal ad professioal eeds. The Smart Village is a farreachig respose to idividuals ad commuities seekig coveiet, secure access to global resources. It also represets a real-world offer to Schlumberger cliets ad their customers who seek to develop ad implemet turkey Smart Card-based solutios. This offer brigs to the market Smart Cards, dispesers ad termials; payphoes ad GSM solutios; retail petroleum pumps, systems ad services; automated parkig meters ad ticket vedig machies; etwork access ad security solutios; ad healthcare cards ad termials to automate records ad forms processig. For VARs ad other developers iterested i providig added-value Smart Card solutios, The Smart Village is a set of developmet tools, ad a member Associates Program, that helps to target products ad reduce time to market. Schlumberger is active i more tha 100 coutries ad employs more tha 50,000 people of some 90 atioalities. The Electroic Trasactios group employs over 5,000 people ad operates 45 facilities. Amog dedicated facilities i 34 coutries, the group has ie research ad developmet ceters strategically located i Europe, Asia ad North ad Lati America. Its maufacturig capacity exceeds 800 millio cards aually / 98 The Iteratioal Smart Card Idustry Guide

252 252 Directory of Compaies Schlumberger Smart Cards: Iteratioal idustrial facilities, iovatios ad techical agreemets have marked Schlumberger s growth i Key figures 60% growth for Schlumberger Card Divisio i 1996 a sharp icrease i sales: 55% of cards sold have bee lauched i 1996 (40% i 1995) Schlumberger has recorded the almost lightig-fast growth i the Asia market: 235% growth i 1996 compared to 1995 Uder The Smart Village brad, the Schlumberger offer icludes the Cyberflex card, the idustry s first Java-based Smart Card. The ew Cryptoflex Smart Card, the first to perform strog cryptography, is targeted at Iteret security ad electroic commerce. Due to several acquisitios, Schlumberger provides a comprehesive Smart Card support service, with ie productio sites, icludig five i Europe, plus several techical ad desig support offices. Schlumberger is extedig its idustrial capabilities by opeig ew productio sites i Asia (Chia, Hog Kog), i South America (Mexico) ad Europe (UK). Schlumberger s productio site i Chia is a joit veture (created i 1996) by Schlumberger ad Hua Post & Telecom Admiistratio to produce equipmet for the upgrade ad expasio of the Chiese telecom etwork. The plat has already produced more tha four millio cards ad has a mothly output capacity of oe millio cards ad 1000 payphoes. Curretly, oly telephoe cards are produced o the site, but other cards (GSM, bak cards, etc) will be produced by HSTE soo. The acquisitio of Malco, Ic i 1995, the biggest credit/debit card maufacturer (over 200 millio cards produced), ad of Dayl Corp., US leader of prepaid magetic stripe ad Smart Card selfservice systems, are strategic to Schlumberger s developmet i America. Schlumberger also acquired Priter, Mexico s leadig magetic stripe card maufacturer. Priter produces some 30 millio cards per aum, makig it Mexico s largest maufacturer. Additioally the compay is a leader i pritig cheques ad similar secure forms of paper. The compay couts Mexico s top baks ad telcos, icludig Bacomer ad Telmex, amog its cliets. I 1997 Schlumberger expects a output capacity of 100 millio cards ad several thousads of payphoes i Mexico. I Europe, the acquisitios of Solaic (Frace) ad Cowells (UK), stregtheed Schlumberger s commercial ad maufacturig facilities o the Cotiet. The acquisitio of Solaic i 1996 gives Schlumberger offices ad plats i Germay, Spai ad Lati America. The take-over of Cowells i 1997 allows the group to take advatage of Smart ad magetic stripe cards maufacturig site i the UK. The ew compay is called Schlumberger Cards Ltd. Schmidt Electroic Laboratories Pty. Ltd 142 Chapel Street, St. Kilda, Victoria 3183, Australia Tel: Fax: Smart Card cotact: Gary Schmidt, Maagig Director Fouded i 1980, Schmidt Electroic Laboratories is a leadig maufacturer ad exporter of microcomputer based taximeters with sales throughout the Asia Pacific regio. The compay also maufactures data modems ad a rage of electroic products for the trasport idustry. I 1991 the compay started the developmet of a programmable battery operated Smart Card termial ad a automated trasactio collectio ad delivery system for the taxi idustry. This system has ow bee expaded to cater for the eeds of other idustries ad is curretly operatioal i Australia ad eighbourig The Iteratioal Smart Card Idustry Guide 1997 / 98

253 Directory of Compaies 253 coutries. With the assistace of joit veture parters i foreig markets the compay has begu to market the system worldwide. TX-1000 Portable, Battery Powered Smart Card Termial The TX-1000 is a had held, portable, battery powered, poit of sale termial desiged specifically to suit the eeds of mobile ad portable eviromets ad other applicatios where mais electricity is uavailable. Powered by rechargeable batteries or a exteral DC source, the TX-1000 is fully programmable ad ca be cofigured for a wide rage of applicatios icludig electroic purse schemes, trasportatio, mobile sales, customer loyalty programs, home bakig or ay other applicatio where electroic moey or other card-based data is collected ad stored for later aalysis. Stadard features iclude: cotact Smart Card acceptor, illumiated 31 key colour coded keypad, backlit 32 character alphaumeric display, battery backed real time clock ad caledar, up to 512K bytes of o-volatile memory for program ad data storage, basic calculator fuctios. Optios iclude: sigle or dual track magetic stripe card reader, acceptor device for miiature security applicatios module, acceptor device for full sized merchat/collector Smart Card, 2400 bps modem, 800 mahr rechargeable battery pack, cord for exteral DC iput ad three serial ports for commuicatios with remote devices. Electroic purse applicatios iclude: taxis, couriers (the existig voucher systems could be elimiated), market stall proprietors (e.g. street markets, specialty markets), kiosks (e.g. cofectioery, tobacco ad ewspaper/magazie outlets), mobile food vedors (e.g. ice cream, doughut, hot dog, ad other fast food vas), roadside vedors (e.g. flowers, fruit, other produce, souveirs), home deliveries (e.g. pizza ad other take away food delivery services), home service providers (e.g. law mowig, gardeig, widow washig), car parkig lots which do ot use automatic barrier equipmet (e.g. makeshift car parks at outdoor cocerts, fairs, sports grouds etc.), major evet veues (e.g. for ticket paymet, sack food sales etc.). Taxiet Trasactio Collectio ad Delivery System Taxiet is a system for collectig Smart Card or magetic stripe card trasactios from a variety of remote sites ad deliverig them to acquirer orgaisatios via the telephoe etwork. The system was origially developed for the taxi idustry, but has ow bee expaded to cater for all similar applicatios where captured trasactios must be uploaded to cetralised processig facilities. It has bee specifically desiged for collectig trasactios origiatig i Schmidt TX-1000 Smart Card termials. At ay coveiet time a merchat ca upload the trasactios stored i a TX-1000 termial by coectig it to a phoe lie ad uploadig the stored trasactios to a Taxiet ode. A ulimited umber of odes ca be coected i a tree topology. Each ode may do ay of the followig: collect trasactios via modem from termials which have dialled ito it, collect trasactios from a Smart Card which has bee iserted ito a termial coected to the ode s serial port, collect batched trasactios from other Taxiet odes, ad upload batches of trasactios to other Taxiet odes. The Base Node is at the top of the tree ad this ode is resposible for submissio of trasactios to trasactio acquirers. The system icorporates a high level of data security ad protectio agaist deliberate attack or accidetal system failure. The Taxiet system coupled with TX-1000 Smart Card termials provides a complete solutio for the geeratio of trasactios at remotely distributed sites ad uploadig them to cetralised processig facilities. Scietific ad Egieerig Research Systems (SERS) 38 Asquith Street, Box Hill 3128, Australia Tel: Fax: Maagig Director: Dr Michael Mallis Marketig Director: Ms Catherie Lepidas Smart Card cotact: Dr Michael Mallis 1997 / 98 The Iteratioal Smart Card Idustry Guide

254 254 Directory of Compaies Paret: Pa Scietific Australasia Pty Ltd SERS is a ewly formed compay dedicated to developig turkey solutios for its cliets i the areas of membership, stored value ad security applicatios. The compay is actively seekig applicatios ad cliets for its services. Cards Cotactless Cotact Microprocessor Memory Smart Card Services Membership cards Security access cards Stored value SCR Techology Ic Quail Ru Dr., Agoura Hills, Ca , USA Tel: Fax: SCR Techology, a Califoria based compay, is a leadig US maufacturer of Smart Card read/write devices. It specialises i the developmet of Smart Card iterface devices for the bakig, health, ad trasportatio, vedig ad udergroud ticketig idustries. SCR also specialises i pocket-sized wallet readers. Our specialisatio ad expertise i high techology Smart Card products has resulted i a orgaisatio capable of developig ad maufacturig card systems for ay type of customer applicatio. Our objective is to be a active participat i providig Smart Card techology i the USA. Portable, Battery Powered Smart Card Readers Pocket Readers Compact had held type Smart Card validatio Customer loyalty programs Smart Card Termial Applicatios Electroic purse Health card Access cotrol Automatic fare collectio Multi-purpose Card Readers Muiciple services Security Domai Pty Lt 1 James Place, North Sydey, NSW 2060, Australia Tel: Fax: (+61) Web site: Geeral Maager: Joh Palfreyma Smart Card cotacts: Mike Jeffries, Busiess Developmet Maager, David Scott, Busiess Developmet Maager ad Bhojaraja Majuath (Maju), Techical Product Security Domai is a established leader i the provisio of electroic commerce security solutios usig Smart Card techology ad public key cryptography techiques. Security Domai was established i 1989 ad has successfully implemeted solutios for a wide rage of orgasatios worldwide. Security Domai s electroic commerce security solutios iclude; advaced security systems for digital mobile phoe etworks, security for EDI ad Iteret trasactios, solutios for cashless closed commuities ad public key maagemet ad geeratio. The Iteratioal Smart Card Idustry Guide 1997 / 98

255 Directory of Compaies 255 Security Domai offers a full rage of electroic commerce security products icludig: SECURcommerce Strog security for structured messagig SECURattaché A easy to use ecryptio program Ope SECURkey A scalable public key certificate maagemet ifrastructure for applicatios that use public key cryptography. SECURattaché API Security Domai also offers SECURattaché APIa Applicatio Programmig Iterface for cofidetiality ad autheticatio that ca be imbedded ito other applicatios. Security Domai s products use idustry stadards such as; UNEDIFACT, RSA for digital sigatures, DES for ecryptio, X509 V3 for public key certificates. SEMPAC SA PO Box 5285, Hiterbergstrasse 9, CH-6330 Cham, Switzerlad Tel: Fax: Corporate Vice Presidet, Marketig ad Sales: Willi Truckebrod Geeral cotractor for chip card assembly lies. Electroic module assembly lies Complete chip card assembly lies by ijectio mouldig combied with IML (I-Mould- Labelig) techology. Product Lie The Sempac Compact Lie Setec Oy Head Office ad Factory: PO Box 31, FIN Vataa, Filad Tel: Fax: Web site: Maagig Director: Veli Tarvaie Marketig Director: Tom Ahlers Smart Card cotacts: Fred Graberg, Lauri Pesoe, Pekka Satae ad Tapio Vailahti Setec Oy is a Fiish compay specialisig i security techology. The shares of Setec belog to the Bak of Filad ad Setec s turover i 1996 was approx. US $35 millio. Smart Cards, persoalisatio services ad systems for: Fiacial trasactios (EMV) Electroic purse Data security Electroic ID GSM Others REFERENCES Smart Cards ad systems Security pritig, passports, bak otes, stamps Idetity cards, driver s liceses Bak ad credit cards (Visa, Europay) Holograms Setec s Smart Card refereces iclude baks, large compaies, authorities, muicipalities, uiversities, defece forces, tele-operators etc / 98 The Iteratioal Smart Card Idustry Guide

256 256 Directory of Compaies SGS-Thomso Microelectroics Head Office: 21 Aveue de Peyier Rousset, BP 12, 13790, Rousset, Frace Tel: +33 (0) Fax: +33 (0) Cotact: G Legrad Z.I. de Rousset, BP 2, Rousset Cedex, Frace Tel: +33 (0) Fax: +33 (0) Smart Card Divisio Geeral Maager: Maurizio Felici Smart Card Marketig cotact: Salli Cohe SGS-Thomso Microelectroics Ltd Plaar House, Globe Park, Marlow, Bucks., SL7 1YL, UK Tel: +44 (0) Fax: +44 (0) Smart Card cotact: Simo Gree Begiig i 1983, SGS-Thomso helped lauch the cashless revolutio. Sice the, ST has delivered more tha 1,000,000,000 chips. For data storage i complex MCU based ICs, used i applicatios such as GSM telephoes, electroic purses ad loyalty cards, ST has itegrated over 500,000,000,000 kilobytes of EEPROM ovolatile memory. The compay had sales of 171M$ i 1996 ad a growth over 1995 of more tha 120%. The product portfolio icludes simple memories for toke cards, secure memories for telephoe cards, memories with secure MCUs for pay-tv, bakig, GSM telephoes cards, ad sophisticated cryptocomputers for high security pay-tv, health ad data secuity ad exchage such as electroic paymets ad the Iteret. Rage icludes: Memories for tokes Secure memories for telephoe Secure MCUs for pay-tv, bakig, GSM Cryptocomputers for pay-tv, health, data security ad exchage, electroic paymets, Iteret commerce Rage covers up to 64KB EEPROM+MCU, dow to 2.7V op, 10 year data retetio ad 100K cycle edurace (100K guarateed, 1M cycles typical). Memory rage A rage of I2C serial access EEPROMs featurig very high erase/write cyclig edurace ad log term data retetio. Memories with security Noteable are the ew ST1333 & ST1335 telephoe card chips which are the 2d geeratio T2G system chips. These are supported by the matchig ST16ST2G MCU IC which cotais the Frace Telecom library of autheticatio fuctios for validatio of the phoe card. Secure MCU rage ad Cryptocomputers ST16XYZ family which has received ITSEC security certificatio for several specific applicatios: Cotact/less - featurig cotactless ad cotact operatio. Public Key Cryptography usig MAP coprocessor. Powerful ew ST19 with custom logic arrays, high speed commuicatios, exteded CPU istructio set for high level laguage support, larger memories, crypto MAP, higher level security certificatio targets. Java support o both ST16 ad ST19 rages, plaed certificatio to ITSEC or future CC (Commo Criteria). Future developmets Icreased memory desity, up to the megabit rage. The Iteratioal Smart Card Idustry Guide 1997 / 98

257 Directory of Compaies 257 Part Number EEPROM Supply Voltage Features ST14C02C 2Kb 3-5.5V Geeral purpose, toke storage ST14C04C 4Kb 3-5.5V Geeral purpose, toke storage M14C04 4Kb V Geeral purpose, toke storage, low voltage M14C16 16Kb V Geeral purpose, toke storage, low voltage M14C32 32Kb V Geeral purpose, toke storage, low voltage M14C64 64Kb V Geeral purpose, toke storage, low voltage Part Number EEPROM Supply Voltage Features ST b Geeral Purpose ST b Geeral Purpose, trasport code ST b Trasport code, ati-tearig, 6 cotact ST b Trasport code, ati-tearig, autheticatio, 6 cotact ST b Trasport code, ati-tearig, autheticatio, 5 cotact ST b Trasport code, ati-tearig, 5 cotact Part Number EEPROM User ROM RAM Supply Voltage Features ST B 6KB 128B V Low Cost Loyalty Cards ST16601 H8/300 6KB 128B V Bakig ST16SF41 H8/300 16KB 384B V Bakig ST16SF42 H8/300 16KB 384B V Bakig, pay-tv ST16RF42 H8/300 16KB 384B V Cotact/less, Trasportatio ST16SF44 H8/300 16KB 384B V Multi-service ST16SF48 H8/300 16KB 384B V GSM, Multi-service ST16ST2G H8/300 16KB 384B V Frace Telecom T2G Autheticatio ST16SF4F H8/300 16KB 384B V GSM, Multiserive ST16CF54A H8/300 16KB 480B 5V +/-10% PKC cards ST16CF54B H8/300 16KB 480B 5V +/-10% PKC cards Part Number EEPROM User ROM RAM Features ST19XYZ to 64KB to 24KB to 960B Custom Logic array, Exteded CPU, Larger Memories, Crypto MAP ST19CF68 8KB 24KB 960B Crypto-processor MAP, pay-tv 1997 / 98 The Iteratioal Smart Card Idustry Guide

258 258 Directory of Compaies 32 bit RISC processors Java ad multi-applicatio operatig systems Siemes AG Semicoductors Chip ICs ad Idet Systems ICs PO Box , Muich, Germay Tel: Fax: Web site: Maagig Director: Ulrich Hama Marketig Director: Dr Joerg M Borchert Siemes Semicoductors Siemes House, Oldbury, Brackell, Berkshire, RG12 8FZ, UK Paret/subsidiary compay:siemes AG Tel: +44 (0) Fax: +44 (0) Web site: Cotact: Hugh Kigdo With aual sales of more tha $60 billio i fiscal year 1995/96, Siemes is oe of the world s largest electroic ad electrical compaies. Employig 379,000 people, the compay cocetrates its activities i the major busiess segmets of eergy, idustry, commuicatios, trasportatio, healthcare, iformatio systems ad electroic compoets. I this area, Siemes Semicoductors is secod i the list of Europea semicoductor maufacturers ad, i terms of techology, is oe of the leadig microelectroic compaies worldwide. Siemes Chip Card ICs ad Idet System ICs have bee used i all aspects of the Smart Card market, icludig prepaid telephoe ad bakig cards, GSM mobile phoes, credit ad debit cards, reloadable ad public key electroic purses, trasport cards both cotactless ad cotact cards - pay-tv, Iteret access ad health cards, as well as a rage of cetral govermet ad local govermet applicatios. Siemes has set a worldwide stadard for prepaid phoe card ICs ad is a leadig supplier of the high-volume Germa bakig project, which ivolves more tha 50 millio cards. Its secure microcotrollers have achieved a leadig positio i the market ad its cryptocotrollers are claimed to be the most powerful worldwide. Oe of the compay s latest developmets is the ComiCard IC which combies the best of both worlds ad features cotact ad cotactless iterfaces. Semicoductors Secure EEPROMs Secure Microcotrollers Secure Cryptocotrollers Secure Cotactless ICs Aual Product Volumes: With a aual output of more tha half -a-billio chip card ICs Siemes Semicoductors is oe of the world s leadig maufacturers of compoets of this kid ad has capacity to meet all of the market s predicted future requiremets. Siemes highly efficiet DRAM fabricatio plats are used to maufacture the Smart Card ICs. With ew plats i North Tyeside, UK, West Virgiia, USA ad Hsichu, Taiwa, Siemes is welcomig the challeges posed by market growth. REFERENCE With more tha 16 years experiece i chip card market, Siemes has developed a reputatio ad experiece that uderlies its leadig positio, over this period. Siemes has developed a customer base which icludes every major Smart Card maufacturer ad is ivolved i almost every major Smart Card scheme aroud the world. Siemes is also a member of the Visa Parter Program ad has bee selected by MasterCard ad Modex as a foudig parter of MAOSCO. The Iteratioal Smart Card Idustry Guide 1997 / 98

259 Directory of Compaies 259 Microcotroller ICs Type ROM EEPROM RAM Voltage Cryptocoprocessor Applicatios SLE 44C10S 7K bytes 1K bytes 256 bytes V - Electroic purse, bakig card/pos, patiet card SLE 44C20S 15K bytes 16K bytes 256 bytes V - Electroic purse, pay-tv, access cotrol SLE 44C42S 15K bytes 4K bytes 256 bytes V - Bakig, pay-tv, GSM, patiet card SLE 44C80S 15K bytes 8K bytes 256 bytes V - Multi-fuctio card, GSM, bakig card SLE 44CR80S 14K bytes 8K bytes 256 bytes mai 350 bytes crypto V 540 bit Pay-TV, Multi-fuctioal card, bakig, professioal card SLE 44CR40S 14K bytes 4K bytes 256 bytes mai 350 bytes crypto V - Pay-TV, Multi-fuctioal card, bakig, professioal card SLE 44C160S 15K bytes 16K bytes 256 bytes V - Multi-fuctioal card, GSM SLE 66C160S 32K bytes 16K bytes 1280 bytes 3-5V - Bakig card, GSM, access cotrol, health card SLE 66CX160S 32K bytes 16K bytes 1280 bytes bytes crypto 3-5V 1100 bit Bakig card, GSM, access cotrol, health card Itelliget Memory ICs Category Secure Memories Data Carriers Couter ICs Device SLE4428 SLE4442 SLE4418 SLE4432 SLE4466 SLE4404 SLE5546 SLE4436 SLE4406 Overview Itelliget 1K byte EEPROM with write protect fuctio ad security logic Itelliget 256 byte EEPROM with write protect fuctio ad security logic Itelliget 1K byte EEPROM with write protect fuctio Itelliget 256 byte EEPROM with write protect fuctio Itelliget 515-bit EEPROM with hardwired security features for paymet applicatios Itelliget 416-bit EEPROM couter with security code ad security logic Itelliget 221-bit EEPROM couter with security logic ad high security autheticatio Itelliget 221-bit EEPROM couter with security logic ad high security autheticatio Itelliget 88-bit EEPROM couter with security code ad security logic Applicatios Loyalty, health card, access cotrol, electroic ticket Electroic purse Pre-paid phoe card Idetificatio System ICs Type EEPROM Carrier Frequecy Rage Applicatio SLE44R35/MIFARE 8K bytes 13.56MHz Read/write rage up to 100mm with ati-collisio mechaism Electroic tickets (road toll, public trasport), access authorisatio SLE44R425 8K bytes 13.56MHz Multi-fuctio card, Automatic fare collectio, bakig card, electroic purse 1997 / 98 The Iteratioal Smart Card Idustry Guide

260 260 Directory of Compaies The most visible Smart Card implemetatio to date took place durig the July 1996 Summer Olympic Games i Atlata, USA. Durig that program, early 1.5 millio Visa Cash Cards usig Siemes Smart Card chips were produced. Siemes Nixdorf Iformatiossysteme AG Otto-Hah-Rig 6, Müche, Germay Tel: Fax: Smart Card cotact: Gerhard Neuhierl, Dep. ASW BA SC Tel: Fax: The Applicatio Software House of Siemes Nixdorf provides software solutios for differet idustries. Oe of the focus poits is the bakig ad isurace market for which SNI is providig a wide rage of software solutios. As part of the divisio ASW, the Smart Card systems uit is specialised i chip card solutios ad security products which is becomig more importat i the market. Workig i close partership with Siemes AG, the uit supplies complete systems i areas such as office automatio, trasport, city card ad bakig. The compay offers a complete solutio with frot ad backgroud systems i oe of the biggest Smart Card bak projects i the world, the ec-card from the Germa bak associatio ZKA Zetraler Kreditausschuß. SICRYPT Computer Card A multifuctioal processor chip card with the highest security level. Versios are offered up to 8K byte EEPROM usig DES, Triple DES ad optioal RSA. SICRYPT SIDEX A MS Widows applicatio for data ecryptio ad digital sigature usig optioal chip cards. SICRYPT Referece Card A security module i the shape of a chip card. Mouted i a termial, PC, POS, ATM etc., it ca be used for off-lie autheticatio of chip cards. SICRYPT Payphoe Security Module A special referece card i the shape of a SIM plug-i module. Mouted i payphoes, it is suitable for all payphoe applicatios. It esures the safe usage of a electroic purse. SICRYPT Security Server MS Widows NT based system for persoalisatio, key maagemet ad distributio/admiistratio of high performace scaleable hardware cryptography to differet hosts over LANs. Server ca be used i medium to large systems for o-lie autheticatio of chip cards. Sillcocks Plastics Iteratioal 310 Syder Aveue, Berkeley Heights, New Jersey 07922, USA Tel: Fax: V P Sales ad Marketig: Michele Loga Sillcocks is workig i cocert with system itegrators to develop Smart Card applicatios iteratioally i fields such as healthcare, telecommuicatios, trasit, isurace ad fiace. Oce a system desig is chose, the compay utilises its card maufacturig techology to produce a specially-egieered card ad iserts IC chips utilisig Cyberetix robotics. Smart Card Iteratioal Ltd. Uit 8, East Ridigs Busiess Cetre, Aie Reed Road, Beverley, East Yorkshire, HU17 OLF, UK Tel: +44 (0) Fax: +44 (0) Cotacts: Bob Cuthbertso, Maagig Director ad Joh Gallagher, Techical Director. Smart Card Iteratioal Ltd (SCI) has established its positio as market leader i the supply of Smart Cards for cashless caterig i the UK. Sice the The Iteratioal Smart Card Idustry Guide 1997 / 98

261 Directory of Compaies 261 begiig of 1996 over 200 customers i the educatio ad hospitality idustry which icludes restaurats, pubs, ight clubs ad golf clubs have ow purchased the system. SCI has worked very closely with strategic parters Gemplus ad Sharp Electroics ad are ow providig solutios to the iteratioal market. This has icluded providig AT&T with POS Modex facility for its staff restaurats i the USA ad supplyig cashless caterig applicatios i Australia, South Africa ad Norway. Recetly SCI was appoited as a Gemplus VAR i the UK which will eable the compay to provide bespoke loyalty solutios to ew vertical markets usig Gemplus stad aloe termials such as the GCR 500. SCI supplies a rage of specialised Smart Card products ad services which icludes termials, Smart Cards, bespoke pritig, Smart Card ROM applicatios ad back office Smart Card software which icludes liks ito Microsoft office for mailshots ad marketig. Recetly SCI appoited SIMS the largest supplier of software to the educatio market i the UK as agets to supply a multifuctio Smart Card to schools. Phase 1 of the SCI / SIMS Smart Card will provide cashless caterig, registratio, access, photo ID ad library cotrol o oe card. This will be followed by two further phases providig photocopy / priter cotrol, vedig, phoecard ad Iteret access. I additio to the work i the educatio sector SCI has bee selected to supply its Smart Card system to the Crow Courts of Eglad (78 Courts) for use by jurors durig jury service for their out of pocket caterig expeses. The system operates usig Sharp poit of sale equipmet liked to Gemplus GCR 400 readers ad 2K memory card eablig the card to automatically refresh twice a day with a specific amout of cash to sped i the Court restaurat. Smart Card News Ltd Postal address: PO Box 1383, Rottigdea, Brighto, BN2 8WX, UK Office address: First Floor, 40 Arudel Place, Kemp Tow, Brighto, BN2 1GD, UK Tel: +44 (0) / Fax: +44 (0) / Maagig Director: Patsy Everett Editor: Jack Smith Techical Advisor: Dr David Everett First published i 1992, Smart Card News is widely regarded as the defiitive publicatio withi the idustry with a impressive worldwide circulatio. Published mothly o a subscriptio oly basis, this totally idepedet publicatio is reowed for its highly successful techical tutorials writte by Dr David Everett. REFERENCES Subscribers i over 50 coutries throughout the world. Readers iclude card/chip maufacturers ad suppliers, major baks ad fiacial istitutios, systems houses ad itegrators, cosultats ad retailers. Smart Card News Mothly ewsletter coverig all the latest developmets withi the idustry - ew cotracts, applicatios, projects, persoel chages, surveys, coferece details ad a o-goig tutorial o fast movig Smart Card techology (ow available o CD-ROM). Subscriptio costs: UK 375 for 12 issues (icludig p&p) Outside the UK 395 (airmail p&p) Iteratioal Smart Card Idustry Guide First editio published i December This 300-page referece book is a comprehesive Guide at a value for moey price. Features a complete A-Z directory of Smart Card related compaies; over 100 projects reviewed by applicatio from pay-tv to road tollig, electroic purse to access cotrol; articles by experts i the key areas of healthcare, fiace, telecommu / 98 The Iteratioal Smart Card Idustry Guide

262 262 Directory of Compaies icatios, trasport ad techology; ad a directory of products ad services for quick, easy referece. Price 70 to subscribers to SCN (iclusive of P&P) 125 to o-subscribers (plus P&P) Third editio available ow. SERVICES Market itelligece o Smart Card techology ad applicatios. Subscribers to SCN ca take advatage of our News Desk service ad iformatio help lie. Smart Card ad security cosultacy. Desig service for WWW pages o the Iteret. Smart Card Solutios Ltd 71 High Street, Earith, Hutigdo, Cambs, PE17 3PP, UK Tel: +44 (0) Fax: +44 (0) Directors: Owe McLaughli, Sea Kelly Smart Card Solutios mai area lies i desigig ad writig software. It has expertise i writig operatig systems for Smart Cards, i implemetig card iterfaces ad i desigig card-based applicatios. The compay also provides all ecessary hardware i the form of readers ad cards for ay card-related product. Cards Memory Card rage 4K bits - 8K bytes Smart Cards 8K bytes SERVICES DOS & Widows device drivers for Smart Card operatig systems. Smart Card applicatios. Smart Card Systems Ic Commerce Parkway, Mout Laurel, NJ 08054, USA Tel: Fax: Maagig Director: Thomas L Agelucci Marketig Director: Philip W Rima Smart Card Systems, Ic provides advaced egieerig developmet ad maufacturig of Smart Cards, Crypto Cards, PCMCIA cards ad card systems requirig performace ad chip assembly desity beyod that available i stadard ISO or PCMCIA cards. These usually ivolve multiple biometric idetificatio or wide bad cryptographic security fuctios, ad typically utilise more tha oe bare semicoductor chip. It is a subsidiary of Iteratioal Micro Idustries, a leader i Tape Automated Bodig (TAB) ad Flip Chip itercoectio egieerig, bodig ad electroplatig equipmet desig ad maufacturig for over 26 years. SmartMove (New Zealad) Limited First Floor, Dataset House, 143 Nelso Street, Aucklad, New Zealad Chairma: P D Boe Geeral Maager: Terry Wilso Smart Card cotact: Ala Zuppicich, Techical Director Tel: Fax: Web site: Formed i 1991, the compay specialises i Smart Card systems itegratio, desig ad maufacture of iterface equipmet, supply of cards ad card The Iteratioal Smart Card Idustry Guide 1997 / 98

263 Directory of Compaies 263 services ad supply ad support of proprietary hardware. The compay s Smart Card products ad systems rage from uatteded vedig ad parkig to office cotrol applicatios (copiers, facsimile machies ad time ad access) ad digitised images. The compay s most recet developmet (subject to worldwide patet applicatio) is a Uiversal Card Iterface. This device has the capability of processig a urestricted variety of Smart Cards at high level commad ad is of iterest as OEM specificatio to maufacturers of termials ad service provisio applicatios. The Uiversal Card Iterface is the first uatteded poit of sale applicatio board i the world to be accredited for Visa Cash, ad it is plaed to iclude Modex ad a umber of telco ad other card formats ad systems i the UCI repertoire durig Developmet work has bee completed by other maufacturers to icorporate the UCI board as a OEM compoet i their applicatios (parkig, ticketig, lockers, kiosks, trasport etc) maufactured i Australia, Hog Kog, South Africa ad New Zealad. The SmartMove Card Acceptig Device (CAD), which icorporates the UCI board is i productio with a rage of software for differet termial applicatios i soft drik ad sack vedig machies. It has bee accredited ad has bee deployed for Visa Cash i Australia ad Hog Kog, ad is uder cosideratio for other SVC trials i UK ad USA for Visa Cash ad other iteratioal card systems. CADs are beig developed to meet a rage of specific applicatios. Software & Systems Iteratioal Limited 3 Bristol Way, Slough, SL1 3QE, UK Tel: +44 (0) Fax: +44 (0) Web site: Maagig Director: Stuart Oldcor Chief Executive: Philip Bowe Marketig Maager: Mrs Patricia Oldcor Paret Compay: Xaadu plc, 64 Chacery Lae, Lodo WC1, UK Occupatioal Health Records o Smart Chip Cards Withi the NHS, registrars move hospital every six moths; i additio, there is a regular requiremet for locums particularly out of ormal office hours. These situatios ca lead to problems both of idetity ad, more importatly, the possibility of either iappropriatey qualified or iadequately health screeed staff beig accepted. By issuig all appropriate staff with Smart ID Cards this ot oly serves as a visual ID Card, but also holds specific details withi the card which idetify the idivdual ad display his/her qualificatios ad curret health screeig status to ay perso with the appropriate level of access. The Card The 4K memory card displays the ame of the idividual, a photograph, the Hospital Trust logo ad various messages o the reverse. I this way, the card will allow iitial idetificatio to be carried out without access to a smart card reader, which may be helpful i some circumstaces. Idetity Card Systems - EVisio Smart Chip Occupatioal Health Records Systems Access Cotrol icorporatig Face Recogitio Biometric products - Face Recogitio 1997 / 98 The Iteratioal Smart Card Idustry Guide

264 264 Directory of Compaies Software Persoel Charles House, 148 Great Charles Street, Birmigham, B3 3HT, UK Tel: +44 (0) Fax: +44 (0) Maagig Director: Mick Collis Smart Card cotact: Tim Brow Other offices: City of Lodo, Bath, Altricham, Chertsey, Covetry, Christchurch, Croydo, Fareham, Horsham (icludig iteratioal office), Leeds, Nottigham, Ediburgh, Dubli ad Zurich. Software Persoel is the recogized recruitmet cosultacy to the Smart Card idustry as well as the largest private cotracts agecy i the UK. Curretly Software Persoel has over 2,000 cotractors workig i all fields from testig to maagemet cosultacy throughout the world. Software Persoel supply may associated Smart Card compaies icludig British Telecom, Gemplus, IBM, NatWest ad Schlumberger to metio a few (a large umber of which are as maagig or preferred suppliers). The compay ca also hadle cotractig of IT projects coverig all fields from Help Desk Maagemet ad PC upgrades to back office redevelopmet across all platforms. Sokymat SA Head Office Address Zoe Idustrielle CH-1614 Grages (Veveyse) Switzerlad Tel: +41(21) Fax: +41(21) Web site: Maagig Director: Herbert Thysse Smart Card cotact: Lars Petersso Tel: +41(21) Fax: +41(21) Cotactless Cards ad Labels SOLAIC 53, rue Maurice Aroux, BP 366, Motrouge Cedex, Frace Tel : 33 (0) Fax : 33 (0) Presidet ad CEO : Jacques Brault As oe of the world s leadig smart card specialists, Solaic has maitaied its advace i fast evolvig card techology, from sigle service memory card to multi-service microchip cards. Its comprehesive rage of card-related services iclude coductig feasibility studies, developig applicatios that meet issuer ad user eeds, proposig a full lie of cards ad persoalisig them at highly secured facilities. Solaic is a subsidiary of Schlumberger. SPOM Japa Co Ltd Nadocho, Shijuku-ku, Tokyo 162, Japa Tel: Fax: Presidet: Kazuie Nakao Smart Card cotact & Vice Presidet: Gilles Beveiste SPOM Japa is a joitly owed subsidiary of CP8 Trasac ad Dai Nippo Pritig. The Iteratioal Smart Card Idustry Guide 1997 / 98

265 Directory of Compaies 265 Cards Full rage of cards from 1K bytes EEPROM wired logic to 8K bytes EEPROM microprocessor card. Smart Card Devices: Coectors, couplers, maual/semi-maual ad motorised card readers. SERVICES IC card desig, maufacture, persoalisatio ad software developmet. T Taiwa Telecommuicatio Idustry Co., Ltd 4 Mi Hsiag St., Chug Ho, Taipei Hsie 235 Taiwa, R.O.C. Tel: Fax: / Web site: Maagig Director: C Y LIN Marketig Director: Gary Q C Tseg Alexader R Chou Tel: #262 Fax: Paret Compay: Tatug Co. TTIC was established o 1 March, 1958 with capital of US $21,440,00 while NEC ows 44% of stocks. Total employees are 760 ad 20% are R&D egieers. Sales volume i 1996 is about US $100,000,000, i which payphoes accouted for 42% ad fax machies 38%. Major products are coi / card payphoes, fax machies, digital pair gai system, ISDN telephoes / adapter, EPABX etc. SMART CARD PAYPHONE TT-86 COIN & CARD PAYPHONE TT-88 Techology Developmet Associates Operatios Limited (UK) Uit E2, Wellad Idustrial Estate, Valley Way, Market Harborough, Leicestershire, LE16 7PS, UK Tel: +44 (0) Fax: +44 (0) Cotact: Paul A Lobel, Director of Sales US Operatios (East Coast), Sheadoah Court, Ashto, MD , USA Tel: Fax: Techology Developmet Associates Operatios Limited (TDAO) is evolvig a maufacturig process usig Additive Techology for Smart Cards as a outgrowth from its PC (PCMCIA) card productio system. The Compay was fouded o the basis of its pateted Optical Aligmet System with array resolutio over a metre square area of better tha 25 micros, ad ogoig developmet of highly coductive homogeeous ad loaded polymers. Implemetatio of these combied techologies proposes to revolutioise the ow burgeoig idustries of Smart Cards, radio frequecy idetificatio ad pritig all maer of electroic circuits by reducig maufacturig costs by a factor of as much as a magitude. Fudametally FDAO s Icremetal Techology is a progressive additive pritig method for 1997 / 98 The Iteratioal Smart Card Idustry Guide

266 266 Directory of Compaies costructig, amog other electroic circuits, ecoomic ad robust RF aerials (cotactless) ad chip coectios (cotact) directly o a rage of flexible or rigid surfaces made from a variety of materials. These iclude paper ad plastics such as ABS, PVC, polycarboate, polyester, etc. For the desig ad maufacture of Smart Cards, both cotact ad cotactless, TDAO s Icremetal Techology will eable, coservatively, a 50% reductio i the curret maufacturig cost of cotact cards ad up to a 80% reductio i the maufacturig cost of cotactless cards (depedig o chip) while producig a more robust ad secure product. TDAO s techiques are ot costraied by type, umber or locatio of silico. The basic maufacturig process is fudametally the same regardless of who produces a chip, its operatig parameters or frequecy. There is o reaso TDAO techology caot be utilized wherever there is eed for cotact, cotactless or combi, active or passive data trasmissio. The traditioal process of maufacturig cotactless Smart Cards via aerial coectio to module or wire bodig is altogether elimiated by the TDAO process. TDAO 1) Produces aerials i cotactless devices as a direct low cost replacemet to stadard costly copper woud coils 2) Accurately coects the aerial (or chip coectio) to the silico without the eed for ay kid of module or special iterface 3) Prits a aerial o early ay substrate 4) Locates the chip at ay poit or poits withi the Smart Card body thus eablig icreased security ad robustess 5) Maufactures Smart Cards i excess of 40 times faster tha the traditioal sigle card i lie systems, resultig i large volumes of iexpesive cards The applicatio of TDAO techology reduces the costructio of Smart Cards to its barest compoets of substrate, silico ad prited aerial or chip coectio directly to the die pads. I that the applicatio of all card compoets are directly to ay desired substrate there ca be o lower cost physical solutio. As the TDAO process promises to so sigificatly reduce the cost of Smart Card maufacture for all Smart Card producers, it is arguably the sigle most importat leap i the ecoomical productio of the medium i the past five years. Developmet Projects ad Joit Vetures I additio to its ogoig iteral R&D, TDAO is curretly ivolved i ad actively seeks further outside ivestmet i projects ad joit vetures i order to licece its breakthrough techology to all of idustry throughout both the private sector ad govermet agecies worldwide. Texas Istrumets Ic N. Cetral Expressway, Dallas, TX 75243, USA Tel: Fax: Smart Card Cotact: Dave Burkhart, Sales Director, Ceter 111, 8330 LBJ Freeway, Dallas, TX 75243, USA. Tel: Fax: Europe Texas Istrumets, Frace, 8-10 Aveue Morae Saulier, BP67, Velizy Villacoublay Cedex, Frace Smart Card Cotact: Alai Mutricy, Sales Maager, Frace Tel: Fax: The chip card busiess of Texas Istrumets bega i 1985 with the secod source for telecard applicatio i Frace (Frace Telecom). TI has sice developed seve specific devices for Smart Card applicatios ad shipped more tha 200 millio uits. The compay develops customised The Iteratioal Smart Card Idustry Guide 1997 / 98

267 Directory of Compaies 267 products for selected applicatios with system parters. Its 1994 volume forecast was over 80 millio uits over the whole portfolio. REFERENCES Bosch Telecom, Natioal Rejectors Ic. GmbH Semicoductor devices for Smart Card applicatios P/N TMC3562CS Outlie Specifiactio 256 bits of EPROM. NMOS techology Thyro Limited Head Office: Axis 2 Rhodes Way, Watford, Hertfordshire, WD2 4YW, UK Tel: +44 (0) Fax: +44 (0) TMC35623S 1280 bits of EPROM with autheticatio. CMOS Techology Maagig Director: Dr Chadra Pati Sales ad Marketig Director: Rohit Pati P/N ROM RAM TMS370C08E05 16K bytes 384 bytes TMS370C08E06 16K bytes + 4K bytes 384 bytes TMS373C012 4K bytes 128 bytes Data Novo Memory 8K bytes EEPROM 8K bytes EEPROM 1K bytes EEPROM Techical Director: Bob Maddock Overseas Office: Thyro Iformatics Ltd 25 Jaora Compoud, 2d Floor, M.Y.H Road, Idore , Idia Tel: +91 (0) Fax: +91 (0) *TMS370C08E07 16K bytes Flash 512 bytes 16K bytes Flash *TMS470C32F01 * Uder Developmet 16K bytes + 8K bytes 512 bytes 16K bytes Flash Thyro Limited is a leadig techology specialist ad systems itegrator focusig o the delivery of advaced trasactio automatio ad processig solutios which iclude: Th. Bergma GmbH & Co. Bergma Systems, Adlerstrasse 48-56, D Rollige, Germay Tel: Fax: Smart Card cotact: Klaus Bargste Established 1906, maufacturer of gamblig machies ad chage machies. PKA chip card cash loadig ad dispesig machie. Electroic commerce, public key ifrastructure ad custom data iterchage systems Secure remote electroic bakig systems for PCs palmtop orgaisers ad other special termials Frot-ed message switchig systems i EFTPOS, trasport, loyalty, securities ad bill paymets Natioal ad closed eviromet electroic purse systems Retail paymet ad customer loyalty card systems o POS termials Customer ad card maagemet systems Telecommuicatios ad phoe maagemet 1997 / 98 The Iteratioal Smart Card Idustry Guide

268 268 Directory of Compaies systems Thyro s itegratio expertise effectively combies ope system architectures with differet card techologies ragig from magetic cards to cotact ad cotactless Smart Cards. Thyro maufactures a wide rage of low-cost, programmable Smart ad magetic card termials to meet various customer applicatios. Thyro s product portfolio is based aroud modular hardware ad software products which are used to deliver either stadard or customerspecific solutios. These products are based aroud: Fiacer Termials The Fiacer is a secure, portable, had-held data trasfer device capable of geeratig ad processig trasactios from Smart Cards ad magetic stripe cards. Iterfaces iclude a alphaumeric keypad, graphics display, iteral modem, exteded memory, priter, multiple Smart Card SIM coectors, telephoe fuctioality ad battery operatio. Related products iclude Smart/magetic card vedig modules ad OEM iterfaces. Frot-ed Trasactio Processor (FTP) System The FTP system is based o the UNIX operatig system ad ca be hosted o either PCs or more powerful cliet/server platforms. It provides a cost effective solutio for orgaisatios with distributed trasactio capture ad message switchig requiremets plus full termial maagemet facilities. The FTP system utilises a Relatioal Database Maagemet System plus a Widows type colour graphical user iterface makig it quick to lear ad simple to use. Customer Maagemet System (CMS) The CMS is based o the UNIX operatig system with a Widows based cliet/server architecture. The system provides a effective mechaism for customers wishig to operate ad admiister their ow card schemes by providig all the ecessary facilities to successfully maage a customer base, icludig Customer registratio, cardholder trasactio processig, regular billig/statemet geeratio, card issue ad MIS reports. Thyro Applicatio Security Kerel (TASK) The TASK System, available i Widows ad UNIX provides fast ad flexible high-level cryptographic services for itegratio ito busiess applicatios requirig user access cotrol, data itegrity ad trasmissio security. TASK servers form the foudatio of itegrated ed-toed public key ad secret key based security ifrastructures that protect high-exposure trasactios/messages from compromise across a etwork. TASK server applicatios eable remote workstatios ad host system applicatios to be secured providig complex cryptographic fuctios such as user verificatio ad access cotrol, message autheticatio ad remote authorisatio, file/data ecryptio usig DES ad RSA stadards, cryptographic key maagemet ad key certificatio, message sequece ad cotet itegrity, message origi autheticatio ad o-repudiatio of origi. SERVICES The Thyro Group offers a total ed-to-ed solutio from the supply of hardware products to software systems. Services iclude: Cosultacy Project maagemet Product defiitio Systems itegratio Termial maufacture Todos Data System AB Beatrice Lesslies Gata 12, S Vastra Froluda, Swede Tel: Fax: Web site: Maagig Director: Maw-Tsog Lig Marketig Director: Maw-Tsog Li Smart Card cotact: Peter Gullberg The Iteratioal Smart Card Idustry Guide 1997 / 98

269 Directory of Compaies 269 Paret / Subsidiary Compay: Todos Uio Corp (Taipei Brach) Todos Data System have bee workig with commuicatio products sice 1987, maily i the areas of Smart Cards, modems, POS, ISDN ad X.25. Todos ca custom desig its products to cliet requiremets. Todos IDACT Smart Telephoe Multi-fuctio ISDN telephoe with itegrated Smart Card reader, termial adapter, ad a/b ports. Specificatio: Telephoe with softkeys ad 4x20 LCD. Smart Card reader itegrated, coforms to ISO7816, T=0,T=1,ad proietary T=14 Termial adapter (RS-232), PPP, X.75, T a/b ports (POTS iterface) Attractive desig. ISDN simultaeous voice ad data (ISVD). Applicatios: Cash-card home ATM. (Remote cashloadig termial) Smart card paymets. Iteret surfig termial. Replacmet for old aalogue telephoes PC to Smart Card iterface protocol. Todos Autograf+ Home bakig telephoe (aalogue) with itegrated Smart Card reader ad modem. For use with VRU (Voice Respose Uit) applicatios. Specificatio: Smart Card reader itegrated, coforms to ISO 7816, T=0,T=1,ad proprietary T=14 V.21/V.22/V.22bis, ad propietary fast switchig protocol (<500ms) which eables switchig betwee voice ad data. Home-bakig iterface protocol. Itgrated DTMF-receiver for 2x12 LCD Low-price ad high volume product RS-232 (miidi) coector for priter, or PC-commuicatio. Applicatios: Homebakig Cash-card home ATM. (Remote cashloadig termial) Todos Mii-Pay Low cost payphoe, for use i semi-public eviromet such as hospitals. Specificatio: Iteral tariff table Meterig pulses optioal, if ot preset uses push-to-talk Smart Card reader itegrated, coforms to ISO 7816 phoecards. Battery drive (4xAA) 5 years battery life Programmable zoes to differetiate cost. Applicatios: Payphoe i semi-public areas such as hospitals. Aual Product Volumes for each product Todos IDACT: +20k (expected) Todos Autograf+: 10k Todos Mii-Pay: >10k TOPCARD MONETIQUE Parc techologique de la Saite Victoire Bat 2, Le Caet, Meyreuil, Frace Tel: +33 (0) Fax: +33 (0) Presidet: Claude Bard Maagig Director: Jea-Marc Mathieu Smart Card cotact: Maximilie Nguye. Marketig Director TOPCARD is a leadig edge compay providig a wide rage of services: Research ad developmet / 98 The Iteratioal Smart Card Idustry Guide

270 270 Directory of Compaies Maufacturig ad sales of Smart Card products. Cosultig ad egieerig i Smart Card projects (electroic purse, ticketig, loyalty). TOPCARD is ivolved i major EUROPEAN projects (DRIVE, GAUDI, STRADIVARIUS) ad focuses o wide scale developmet of Smart Card applicatios. PCCR100 Pocket Cotactless Card Reader A pocket Smart Card reader/writer with a ifrared commuicatio eablig remote card trasactios up to 3 meters. Fully compatible with ISO 7816 (T=0) stadard. Applicatios: Access cotrol, toll roads paymet, public trasport ticketig, cotactless electroic purse paymets. PCR100 Smart Card reader OEM or desktop reader / writer for Smart Card or SIM module. Fully compatible with EMV ad ISO 7816 stadards. Applicatios: Electroic commerce, Iteret, loyalty programs. CM10 Iterface board The CM10 board is a uiversal iterface for the OMRON MKW motorized reader. It hadles the cotrol of the magetic trasactios (low/high coercivity), as well as Smart Card (T=0, T=1 protocol) trasactios, with card thickesss from 0.27 to 0.76mm. Cotact/Cotactless developmet kit A complete developmet eviromet is provided for easy use, ad itegratio of the TOPCARD products ito Smart Card systems ad applicatios. Toppa Pritig Co Ltd (Securities Divisio) Taito-ku, Tokyo, Japa Tel: Fax: Maagig Director: H Kouo Smart Card cotact: Y Yorimoto UK subsidiary: Toppa Pritig Co. (UK) Ltd., Gilligham Street, Lodo SW1V 1HU, UK Tel:+44 (0) Fax:+44 (0) Smart Card cotact: P Harty Toppa Pritig was a pioeer i the early developmet of IC cards i Japa ad produces about two millio cards aually. It has also developed a card reader/writer ad other devices. IC Card Reader/writer Type Card OS EEPROM Protocol Algorithm Note With CPU Ti-:ISO T=1 8K bytes T=1 DES 1K bytes uder developmet With CPU Ts-:Type S 512 bytes ad 8K bytes With CPU Tm-: Origial 512 bytes 8K bytes 32K bytes Hardwired 256 bytes Cotactless TS-M 8K bytes 32K bytes T=14, Jp T=14, Jp S origial FEAL DES DES DES Thickess is o stadard Memory devices with security logic The Iteratioal Smart Card Idustry Guide 1997 / 98

271 Directory of Compaies 271 Desk top type for T=14, T=1 ad origial protocol Stad-aloe type for T=1 ad origial protocol Hady type for T=1 ad origial protocol Hady type for serial memory card (uder developmet. IC Cards (see table opposite below) Toshiba Corporatio Shibaura 1-Chome, Miato-ku, Tokyo , Japa Europe: Toshiba Electroics Europe GmbH, Hasaallee 181, D Duesseldorf, Germay Tel: Fax: Type Number JT6N20 T6N20 JT6N22 T6N22 JT6N24 T6N24 JT6N29 T6N29 JT6N32 T6N32 Techology EEPROM ROM RAM CPU Crypto-coprocessor Vdd Supply Voltage Curret cosumptio (Vdd=5V, 5 MHz Clock) Sleep Mode Power detect circuit Power supply detector Watchdog timer Access cotrolled memory areas 0.8 mm 0.8 mm 0.6 mm 0.6 mm 0.6 mm 8K bytes 0.5K bytes 4K bytes 8K bytes 0.1K bytes 15K bytes 6K bytes 12K bytes 20K bytes 6K bytes 512 bytes 128 bytes 512 bytes 512 bytes 128 bytes No No No 1024 No 5V 5V 3V, 5V 3V, 5V 3V, 5V 10 ma 10 ma 10 ma 15 ma 15 ma Yes No Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes No Yes Yes Yes Yes No Yes Yes No EEPROM write cotrol with special fuctio register Protectio Bits Program executio from EEPROM mode Yes Yes Yes Yes Yes Yes No Yes Yes No Yes No No Yes No Access protectio durig EEPROM program executio mode Yes No No Yes No Applicatio Public, fiacial Members card Electroic moey Fiacial Loyalty card 1997 / 98 The Iteratioal Smart Card Idustry Guide

272 272 Directory of Compaies Europea Smart Card cotacts: Thomas Kuschel (Marketig); Michael Hasselberg (Techology) The products listed i the table (see previous page) were desiged to be used i sigle chip IC cards: product umbers JT6Nxx are bare chips, T6Nxx are chip o board (COB). Twety First Cetury Limited Ladford Maor Ladford Salisbury Wiltshire SP5 2EW, UK Tel: +44 (0) Fax: +44 (0) Maagig Director: Joh Camiueri Tel: Fax: Web site: Maagig Director: Hyu-Jug, Shi Cotact: Ms Hee-Wo, Park Fax: Wholesaler of mass storage solutio (Jukebox, Optical Driver ad so o) i Korda ad leadig compay i this area with may customers ad distributores i Korea. Smart Card Devices: Message Port The message port is a vehicle istalled scree ad keypad i a sigle uit that hadles two way text ad status messages betwee a operator, usig a PC, withi a orgaisatio ad the vehicle s driver. I its simple form, Message Port will display ay icomig messages set over air o its large backlit LCD scree ad allow the driver to respod with oe of a umber of pre-formatted messages which the driver ca select from a list of messages that ca be pre-defied. Message Port ca also work i cojuctio with the latest tachometers, Smart Cards, priters ad a full QWERTY keyboard for full text messagig. Message Port is simple to operate but flexible eough to take o ay messagig, job cotrol ad driver reportig applicatio which icludes Tachograph aalysis. V VeriFoe Salamader Quay West, Park Lae, Harefield, Middx, UB9 6NZ, UK Tel: +44 (0) Fax: +44 (0) Maagig Director: Malcolm Bushell UK Accout Maager: Simo Kig Europea Marketig Maager: Mark McMurtrie US Marketig Maager: Alistair Duca Tel: U uigate 659-6,3F, Sukyag-buildig, Yeoksam-Dog, Kagam-Ku, Seoul, Korea VeriFoe, the leadig provider of secure paymet solutios, a wholly owed subsidiary of Hewlett Packard, have bee supplyig Smart Card solutios sice 1991 ad last year geerated reveues of US $472 millio from busiess i over 100 coutries. VeriFoe has for a umber of years, The Iteratioal Smart Card Idustry Guide 1997 / 98

273 Directory of Compaies 273 bee at the forefrot of developig Smart Card applicatios, playig a importat role i the defiitio of iteratioal stadards. Applicatios for chip based credit, debit, electroic purse/stored value ad customer loyalty have bee developed to ru o VeriFoe s family of Smart Card devices, curretly well over 50 projects have bee successfully completed with over 250,000 Smart Card devices operatioal worldwide. Durig 1997 VeriFoe lauched its iovative VeriSmart Home Bakig system which allows cardholders to trasfer electroic moey oto their stored value cards i the coveiece of their ow homes by usig a VeriFoe Persoal ATM. REFERENCES VeriFoe has strategic relatioships, approvals ad systems i place with all the iteratioal paymet schemes ad its termials were used durig the 1996 Atlata Olympic Games. VeriFoe devices will also be used i the UK Visa Cash trial, represetig the first use of public key based security algorithms ad also i the UKIS EMV trial. I Asia, VeriFoe Omi 395 systems were selected by Hog Kog Shaghai Bakig Corporatio for their lauch of a Modex electroic cash system. Over 30,000 VeriFoe Smart Card systems have bee istalled by the Rabobak i The Netherlads as part of their ChipKip electroic purse system. To roll-out the AVANT electroic purse scheme i Filad, Automatia Rahakortit selected VeriFoe SC542 devices as it allowed existig credit/debit card merchats to upgrade to additioally support electroic purse trasactios. The Swedish savigs baks SparBake have selected VeriFoe Smart Card termials to lauch their CASH electroic purse system. I Germay, the savigs baks have lauched the GeldKarte system for electroic purse ad may of the idividual baks have chose VeriFoe devices, which have all the ecessary approvals, both for reloadig ad purchase trasactios. The major Russia scheme, Zolotaya Koroa, also uses VeriFoe devices. VERON SpA Edifico C - Via Caldera 21, Milao, Italy Tel: Fax: Maagig Director: Aacleto Parziale Tel: Fax: Techical Director: Luciao Cavazzaa Tel: Fax: VERON SpA was formed at the ed of 1993 i the Olivetti Telemedia group to icorporate i a sigle structure the kow how of the various Olivetti uits that had bee operatig i the fields of Electroic Fuds Trasfer ad Smart Cards sice VERON desigs, develops ad distributes Smart Cards ad related products ad applicatios: EFTPOS termials, logical security solutios, Smart Card systems for a broad rage of applicatios (public authorities, healthcare, trasport, telephoe services, bakig). VERON is also a systems itegrator offerig project egieerig expertise, cosultacy ad valueadded services. VERON is participatig i the Visa vedor partership programme ad to the MINIpay iitiative which is developig the Italia electroic purse. VERON is certified to produce Eurocard/MasterCard IC Cards. All products (IC cards, stad aloe ad portable EFTPOS termials, EFT servers for departmetal stores ad supermarkets, PINpads, electroic cash dispesers, readig/writig devices) are directly maufactured by VERON / 98 The Iteratioal Smart Card Idustry Guide

274 274 Directory of Compaies IC Cards VERON s Smart Cards are based o cotact ad o cotactless/proximity techologies. The first icludes disposable memory cards, reloadable memory cards (with or without built-i security logic), microprocessor cards. EFTPOS Termials I the termials ad paymet systems area, VERON s offer addresses a full rage of user requiremets, with portable ad desktop EFTPOS termials, self-service bak termials, ad vedig machie modules for developmet of electroic purse services. All termials are compliat with most iteratioal stadards ad ca easily be customised to meet customer s requiremets ad be compliat with the atioal stadards. A software developmet platform is available which easily allows customers to develop their ow applicatio. REFERENCES Projects ad Systems SSB (Societa Servizi Bacari) - MINIpay Italia electroic purse COMIT - Scala6 project Narodi Bak - electroic purse system Reggiaa Football Club - Reggiaa subscriber card Raiffeise Bak - NEWCASH electroic purse Italia Post Office - electroic wallet Termials Over 150,000 termials (Lyra, MobiPay, ECD,) istalled worldwide: All major Italia baks Argetia GeldKarte Project - portable termials (MOBIPAY) for Germa electroic purse CETREL (Luxembourg) Telekurs (Switzerlad) IC Cards Rom Telecom Albaia Telecom PLDT Philippies Millioaire Market AGIP Petroli Q8 Baca Commerciale Italiaa (COMIT) FINITALIA Raiffeise Bak Italia Post Office Quata Card (Hybrid optical & cotacts) LYRA termials A family of desk-top, electroic paymet istrumets capable of hadlig all card types (magetic - debit/credit - cards ad IC cards with cotacts); these termials ca be equipped with priter, modem exteral PiPad, security modules (SAM). Mobipay termials Card hadlig portable devices Card reader/writer termials Liked to Persoal Computers or ay kid of host machies, which ca hadle cards ad perform iterface fuctios (keyboard, display) ECD self-service termials For uatteded istallatio OEM modules For Smart Card maagemet i host equipmet such as ATM ad vedig machies. Aual Product Volumes LYRA: 40,000 uits Mobipay: 20,000 uits ECD: 1,000 uits VFJ Electroics Pty Limited 2 Picke Street, Silverwater, NSW 2128, Australia Tel: Fax: Maagig Director: Athoy Lee Marketig Director: Ia Perkes Paret / Subsidiary Compay: Omitech Holdigs Limited Semicoductors (Mifare) The Iteratioal Smart Card Idustry Guide 1997 / 98

275 Directory of Compaies 275 Cards Cotactless Smart Cards Card readers VFJ Cotactless Smart Card reader REFERENCES Supplier for Shaghai Metro Corporatio REFERENCES Wayfarer systems are used worldwide by bus, metro, ferry, rail trasportatio operators ad other reveue collectig operatios. Over 120,000 uits have bee istalled i the UK, Spai, Portugal, Italy, Germay, Irelad, Norway, Swede, Africa, Australia, New Zealad, Israel, Hog Kog, Argetia, Chile, Netherlads, Malaysia ad the USA. W Wayfarer Trasit Systems Ltd (a part of the Meggitt Electroic Systems group.) 10 Willis Way, Fleets Idustrial Estate, Poole, Dorset, BH15 3SS, UK Tel: +44 (0) Fax: +44 (0) Maagig Director: Dr Paul Middleto Sales ad Marketig Director: Peter Cheesema Wayfarer Trasit Systems Ltd desig ad maufacture electroic fare collectio systems used by public trasport orgaisatios, together with associated system ad applicatio software. Formerly Microsystem Desig Ltd., it was fouded i 1976 ad was acquired by Meggitt plc i ISO 9001 Approved. Wayfarer 3 Electroic Ticketig Systems Versatile electroic ticketig systems desiged for use o buses, trams, trais, udergroud ad metro systems. Hadles a variety of tickets ad prepaymet cards - sigle, retur, multi-jourey, passes, stored value ad multi-fuctio. Available with itegral cotact or cotactless Smart Card readers. WCL Westighouse Cubic Ltd 177 Nutfield Road, Merstham, Surrey RH1 3HH, UK Tel: +44 (0) Fax: +44 (0) Maagig Director: Joh Licol Commercial Director: Peter Ellwood Smart Card cotact: Terry Hill, Marketig Maager WCL has four market sectors: Reveue Collectio Systems; Commuicatio Security Systems; Electrical Works ad a Comprehesive Maiteace Service. It employs over 550 staff i the UK, at Merstham, Surrey; Park Royal, Lodo; ad Sutto Coldfield, ear Birmigham. REFERENCES Desig, supply, istallatio ad support of the automatic fare collectio system for Lodo Udergroud. Cotactless access cotrol system for the LUL Egieerig Headquarters. Cotactless ticket trials for Lodo Udergroud; productio of a city-wide, full itermodal cotactless ticketig specificatio for Lodo Udergroud; mai cotractor for the Lodo Trasport Buses cotactless ticketig Harrow Bus Trial, cotracted to supply equipmet for buses, LUL statios ad bus depots / 98 The Iteratioal Smart Card Idustry Guide

276 276 Directory of Compaies Through its work with its sister compaies i the Cubic Automatic Reveue Collectio Group (CARCG) WCL is assistig with other iteratioal cotactless ticketig system projects or trials such as Oslo ad Washigto. SERVICES WCL operates as a systems itegrator ad has expertise i system desig, project maagemet, egieerig ad maufacturig, istallatio, commissioig ad support. WCL s reveue collectio systems ivolve the itegratio of magetic ad cotactless Smart Card ticketig with computers ad commuicatios techology for applicatio to reveue collectio ad fraud prevetio primarily i rail ad mass trasit markets. WCL s systems expertise is applied to its other market sectors for the supply of comprehesive commuicatios systems which ca iclude cetral cotrol, CCTV, PA, Radio ad Passeger Help Poits. Electrical projects such as tuel lightig ad power supplies ca also be provided. These are all supported by WCL maiteace which provides extesive corrective, prevetative ad workshop maiteace. The 24 hour/day, 7 day/week fault reportig service cetre eables high availability performace based cotracts to be offered. wellcom secur computer systems GmbH paymet systems at the poit of sale for mobile ad statioary operatio. The complete rage icludes hardware ad software as well as extesive services for the operator. Wellcom also offers public telephoe ad fax services. These comprise the istallatio ad operatio of card-drive telephoe ad fax systems icludig all logistics, i.e. developmet of appliaces, istallatio, operatio, settlemet ad maiteace. The systems are ot limited to certai card compaies ad ca be operated with all credit, debit ad value cards. It is up to the parters to decide which cards to accept. Private cards ca be issued as well, because the possibilities are ulimited. Wellcom specializes i system techology for card paymets ad liked settlemet systems for mobile telephoes ad POS systems with database techology have bee developed ad itroduced. The compay already operates may thousads of POS termials ad its fully automated card-drive fax ad phoes are istalled at importat cooperatio parters such as Lufthasa ad other major airlies, at well-kow hotel chais ad major Germa fair compaies. Hofmastraße 54, Müche, Germay Tel.: Fax: Smart Card readig public multimedia termial Public Smart Card payphoe Smart Card readig POS termials Smart Card clearig service Maagig Director: Has Weller Cotact: Michael Nisse Tel: Ope atioal ad iteratioal commuicatio is the basis of wellcom s busiess with the emphasis o realizig complete solutios for electroic services ad paymets with credit ad value cards. Efforts focus o the fully automated hadlig of commuicatio appliaces by the cosumer. Wellcom develops ad maitais electroic Wessex Iterprit Ltd Graphic House, Telford Way, Severalls Park, Colchester, Essex CO4 4QP, UK Tel: +44 (0) Fax: +44 (0) Maagig Director: Ala Scott Wessex Iterprit is a member of the Droyhurst The Iteratioal Smart Card Idustry Guide 1997 / 98

277 Directory of Compaies 277 Pritig Group supplyig a total plastic card service to its cliets. Desig, artwork, full card productio to ISO specificatio, bureau service, card carriers, luggage tags ad related POS material are provided for fiacial trasactios, membership, promotioal, idetity or access cotrol cards. Wessex Iterprit offers a complete secure ihouse service aimed specifically at the low volume, fast track market, complemetig the volume card producers. The compay is a charter member of the Iteratioal Card Maufacturers Associatio. Y YourNet, Ic Merriam Drive, Merriam, KS 66203, USA Tel: Fax: E--mail: Web site: Maagig Director: Curtis Crawford Smart Card cotact: Fraz Ressel, Marketig Director or YourNet, Ic. creates commuity etworks that provide advaced cosumer ad busiess services through YourNet s proprietary Smart Card techologies. YourNet delivers direct marketig services through its commuity etworks, ad markets its secure, ope architecture Smart Card operatig system ad compoets to the Smart Card idustry. YourCard Ope architecture, high security Smart Card or module. Z Zergo Ltd The Square, Basig View, Basigstoke, Hampshire, RG21 4EG, UK Tel: +44 (0) Fax: +44 (0) Chief Executive: Professor Hery Beker Maagig Director: David Piell Marketig Maager: Duca Reid Smart Card cotact: Matthew Sacks, Busiess Maager Zergo is oe of Europe s leadig specialist providers of iformatio security solutios. It provides a rage of etwork ad applicatio security solutios, systems desig ad itegratio, ecryptio processors for LAN ad WAN commuicatios, customised systems, as well as iformatio security cosultacy. Zergo has pioeered may of the sophisticated techiques ow used worldwide ad accepted as idustry stadards. As a trusted parter to the sesitive fiacial, govermet, defece ad healthcare sectors, Zergo is ideally placed to assist i the implemetatio of secure solutios for Smart Card systems icludig user autheticatio, cryptographic key trasport ad maagemet as well as digital sigature processig. REFERENCES Some of Zergo s cliets iclude: ING Bak, The Bak of Scotlad, BACS Ltd., Bak of Eglad, DTI ad the Royal Air Force / 98 The Iteratioal Smart Card Idustry Guide

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279 Classified Directory of Products ad Services 279 Classified Directory of Products ad Services 1997 / 98 The Iteratioal Smart Card Idustry Guide

280 280 Classified Directory of Products ad Services Card Maufacturers ADE Agewadte Digital Elektroik GmbH Algorithmic Research Ltd Amazig Cotrols! Ic America Microdevice Maufacturig Ic. Bull CP8 Buscom Oy Cardag CardTech Ltd CardTech Asia Pacific Ltd Cellograf-Simp SpA Ceteial Techologies Ic Dai Nippo Pritig Co. Ltd De La Rue Card Systems dz damark a-s Fabrica Nacioal de Moeda y Timbre (FNMT) Gemplus Giesecke & Devriet GPT Card Techology GyD Ibérica SA HID Corporatio IBM IRIS Techologies Kapsch AG McCorquodale Card Techology Ltd Meiller ComCard GmbH Mitsubishi Electric UK Ltd Motorola Ic NBS Ltd Nedap NV ODS R. Oldebourg Datesysteme GmbH OF Orell Füssli O Track Iovatios Ltd. ORGA Kartesysteme GmbH Quadriga GmbH Kartesysteme Racom Systems Ic. S-Card A/S Schlumberger Electroic Trasactios Setec Oy Siemes Nixdorf Iformatiossysteme Sillcocks Plastics Iteratioal Smart Card Systems Ic. Solaic SPOM Japa Co. Ltd Toppa Pritig Co. (UK) Vero SpA Wessex Iterprit Ltd YourNet Ic Card Suppliers Advaced Electroics Ltd AES Prodata Asgard Baksys DataCard Corporatio Datakey Ic Debitek Ic. DelPhic Card Systems Eschedé / Sdu bv EPS Trasactie Systeme bv Icard SpA Keycorp (Europe) Ltd L&G Commuicatios L&G SMART Nagase & Co. Ltd Natioal Cachecard Co. NET 1 Products (Pty) Ltd NTT Data Commuicatios Corp. Quadriga GmbH Kartesysteme Smart Card Iteratioal Smart Card Solutios Ltd SmartMove (New Zealad) Sokymat SA VFJ Electroics Pty Ltd The Iteratioal Smart Card Idustry Guide 1997 / 98

281 Classified Directory of Products ad Services 281 Cosultats Advaced Electroics Ltd AMTEC Cosultig Ltd AU-System Card Dyamics Ltd Card Isight Ltd Card Services Iteratioal Cardag Cardial (UK) Ltd Cardware Ltd Ceter of Fiacial Techologies Ic. COGITO Techologies Datamoitor DelPhic Card Systems DigiCash Ic Dreifus Associates Ltd DW ad DL Davies (Parters) Euclid Ltd Guar Klei AB Harpur Group IBM ICL Retail Systems INTERCAI Iteratioal Baselie Security Oy Isis Logica M2M Marchat Associates Micro Sziece Ltd ODS R. Oldebourg Datesysteme GmbH ORGA Kartesysteme GmbH PCSL Quadriga GmbH Kartesysteme Security Domai Pty Ltd Smart Card News Ltd SmartMove (New Zealad) Topcard Moetique Vero SpA WCL Westighouse Cubic Zergo Ltd Module Maufacturers ad Suppliers Advaced Electroics Ltd Aladdi Kowledge Systems Algorithmic Research Ltd Alps Electric (Irelad) Ltd Amazig Cotrols! Ltd America Magetics Corporatio Ampheol-Tuchel Electroics GmbH Ascom Autelca AG Asgard Baksys SA/NV Baslad Digital Systems CardTech Asia Pacific Ltd Datastripe Dau Compoets Ltd Debitek Ic. DelPhic Card Systems GiroVed Cashless Systems DDM Hopt & Schuler Japa Aviatio Electroics Idustry Ltd Mars Electroics Iteratioal Nagase & Co. Ltd NCR Corporatio Nedap NV NET 1 Products (Pty) Ltd ORGA Kartesysteme GmbH Quadriga GmbH Kartesysteme SmartMove (New Zealad) SPOM Japa Co. Ltd Topcard Moetique Toppa Pritig Co. (UK) Th. Bergma GmbH & Co VeriFoe Ic / 98 The Iteratioal Smart Card Idustry Guide

282 282 Classified Directory of Products ad Services Vero SpA VFJ Electroics Pty Ltd Payphoes ACC Log Distace UK Ltd Ascom Autelca AG Ascom Moétel SA Ascom Nordic AS British Telecommuicatios plc Persoalisatio Services Amazig Cotrols! Ic Cellograf-Simp SpA DataCard Corporatio DelPhic Card Systems Euclid Ltd Fabrica Nacioal de Moeda y Timbre (FNMT) Cambridge Telephoes Ltd GPT Payphoe Systems Ladis & Gyr Commuicatios Ladis & Gyr SMART Schlumberger Electroic Trasactios SmartMove (New Zealad) Taiwa Telecommuicatio Idustry Co. Ltd Todos Data System AB wellcom Secur Computer Systems GmbH Persoalisatio Equipmet Advaced Electroics Ltd AU-System COGITO Techologies DataCard Corporatio DelPhic Card Systems Kestroics Ltd NBS Ltd NET 1 Products (Pty) Ltd ORGA Kartesysteme GmbH Protecho Card GmbH Gemplus GyD Ibérca SA Meiller ComCard GmbH NBC Ltd NET 1 Products (Pty) Ltd ODS R. Oldebourg Datesysteme GmbH Setec Oy SmartMove (New Zealad) Solaic SPOM Japa Co. Ltd Productio Machiery Cyberetix Gilles Leroux SA GPT AXXICON BV Louda Systems Meie, Ziegel & Co. MELZER maschiebau GmbH Mühlbauer GmbH High Tech Iteratioal Netstal-Maschie AG Oakwood Desig Robert Burkle GmbH & Co. SEMPAC SA Techology Developmet Associates Operatios The Iteratioal Smart Card Idustry Guide 1997 / 98

283 Classified Directory of Products ad Services 283 Ltd (UK) Publicatios C&M Publicatios Ltd Every Card Verlags GmbH Report o Smart Cards Smart Card News Ltd Semicoductor Maufacturers Atmel Corporatio Fortress U&T Hitachi Europe Ltd Iside Techologies Motorola Ltd NedCard BV ODS R. Oldebourg Oki Electric Europe GmbH Oki Semicoductor (UK) Philips Semicoductors Datesysteme SGS-Thomso Microelectroics Siemes AG Texas Istrumets Ic. Toshiba Corporatio System Itegrators Advaced Cards Iteratioal Corp. Advaced Electroics Ltd Amazig Cotrols! Ltd AES Prodata America Cash Card Corporatio America Microdevice Maufacturig Ic AMTEC Cosultig Ltd Applied Systems Istitute Ascom Autelca AG AU-System Baksys NV Bkull CP8 Buscom Oy Card Services Iteratioal Cardial (UK) Ltd CardTech Asia Pacific Ltd Cardware Ltd Ceter of Fiacial Techologies Ic. COGITO Techologies Combitech Traffic Systems Cubic Automatic Reveue Collectio Group (CARCG) CZS Ltd De La Rue Card Systems DelPhic Card Systems ERG Ltd Euclid Ltd Fabrica Nacioal de Moeda y Timbre Frace Telecom Gemplus Geeral Iformatio Systems Ltd IBM ICL itcetre ICL Retail Systems Iter Marketig Ltd Ladis & Gyr Utilities (UK) Logica Microcache Ltd Natioal CacheCard Co. Nedap NV NET 1 Products (Pty) Ltd News Digital Systems Precis Smart Card Systems Ic Sauders Jefferies Ltd Scapoit Techology A/S Schlumberger Electroic Trasactios Scietific ad Egieerig Research Systems SERS) Security Domai Pty Ltd Setec Oy 1997 / 98 The Iteratioal Smart Card Idustry Guide

284 284 Classified Directory of Products ad Services Siemes Nixdorf Iformatiossysteme Sillcocks Plastics Iteratioal Smart Card Iteratioal SmartMove (New Zealad) Thyro Ltd Vero SpA WCL Westighouse Cubic Zergo Ltd Termials Advaced Electroics Ltd America Magetics Corporatio AES Prodata Ascom Autelca AG Ascom Moétel SA Baksys NV Bull CP8 Buscom Oy Checklie Plc CKD SA Dassault Automatismes et Telecommuicatios De La Rue Card Systems DelPhic Card Systems Dioe Developmets Ltd Ladis & Gyr SMART Ladis & Gyr Utilities (UK) Metric Group Ltd Nagase & Co. Ltd NCR Corporatio Nedap NV NET 1 Products Pty Ltd ODS R. Oldebourg Datesysteme Omega Digital Data Ic O Track Iovatios Ltd ORGA Kartesysteme GmbH Orpak Idustries (1983) Ltd PCSL Quadriga GmbH Kartesysteme Racal-Airtech Ltd Racom Systems Ic S-Card A/S Scapoit Techology A/S Schlumberger Electroic Trasactios Schmidt Electroic Laboratories Pty Thyro Ltd VeriFoe Ic. Vero SpA Wayfarer Trasit Systems wellcom secur computer systems GmbH WCL Westighouse Cubic EPS Trasactie Systeme bv Giesecke & Devriet GmbH GyD Ibérca SA HTEC Ltd Hypercom UK Ltd IBM ICL Fiacial Termials AB INGENICO SA Itellect IterCard GmbH Kartesysteme Iter Marketig Ltd ITC Systems Keycorp (Europe) Ltd The Iteratioal Smart Card Idustry Guide 1997 / 98

285 Glossary of Terms 285 Glossary of Terms Reproduced by kid permissio of Card World 1997 / 98 The Iteratioal Smart Card Idustry Guide

286 286 Glossary of Terms A ABS: Acryloitrile Butadiee Styree. Plastic material used to make may itegrated circuit cards. Ulike PVC it is formed through ijectio mouldig, which allows the dimesios of the card ad the hole ito which the chip module is iserted to be precisely cotrolled. access card: a machie readable card used to achieve computer access, physical etry or passage. access cotrol: ay measure desiged to esure that access to a resource is obtaied oly by the authorised users. accout umber: see idetificatio umber. acquirer: a fiacial istitutio such as a bak which has a cotractrual agreemet with a merchat to process debit ad credit card trasactios. The acquirer reimburses the merchat for the amout of the sale ad charges a commissio for the service. activatio: a secure procedure uder cotrol of the card/secure applicatio module (SAM). address verificatio system: a additioal poit of referece to autheticate card use, for telemarketig purposes, by cofirmig the cardholder s address. ADE: see Agewadte Digital Elektroik. AFC: Automatic fare collectio, as i cotact or cotactless smart card public trasport schemes. affiity card: a form of loyalty card where the co-bradig parter is a charity or orgaisatio which beefits fiacially from card use. AFNOR: Associatio Fracaise pour la Normalisatio. The Frech stadards body resposible for the early smart card stadards. Chips i the AFNOR positio are i the top left had corer of the card rather tha i the ISO positio lower dow. AKU: asymmetric key uit. algorithm: a sequece of steps which ca be carried out mechaically ad which yield a defied result. alphamosaic: a Videotext display techique that divides the scree ito a ivisible grid ad accepts sigals istructig how each square is filled i, as if creatig a mosaic. alpha test: the iitial trial ru of a ew program, system or hardware withi the orgaisatio that developed it. See beta test. America Bakers Associatio (ABA): the trade associatio of America baks. It is also the body omiated by iteratioal agreemet as the registratio authority for issuer idetificatio umbers. America Express: a global travel orgaisatio ad oe of the oldest T&E card issuers. America Natioal Stadards Istitute: the US atioal member body of the Iteratioal Orgaisatio for Stadardisatio Agewadte Digital Elektroik: Europea cotactless card associatio (ADE). aual fee: a fee paid by a cardholder for the privilege of holdig a fiacial trasactio card. With some cards the cardholder pays iterest ad o fee. Some cards charge both fees ad iterest. ANSI: see America Natioal Stadards Istitute. atiope: a protocol developed by the Frech. It uses a alphamosaic cofiguratio. APACS: see Associatio for Paymet Clearig Services. area 1: part of the embossig area reserved for idetificatio of the card issuer ad cardholder (defied i ISO 7811). area 2: part of the embossig area provided for cardholder idetificatio data such as ame ad address (defied i ISO 7811). artificial itelligece: iformatio processig by mimickig or simulatio of the cerebral, ervous or cogitive processes. ASCII: America Stadard Code for Iformatio Iterchage. The protocol used by most small computers. It assigs a seve-bit code to 96 pritable characters ad 32 cotrol characters. Associatio for Paymet Clearig Services (APACS): umbrella body for the UK paymets idustry. asymmetric key cryptography: a security system where the algorithms used to ecode ad decode data are differet: the ecodig algorithm is usually a public key ad the decodig oe a private key. asychroous: ot sychroous. The most commo data trasmissio method for small computers. ATB: automated ticket ad boardig pass machie at a airport which accepts a fiacial trasactio card to pay for a airlie ticket ad issues ticket ad boardig pass. ATM: Asychroous Trasfer Mode. A ew commuicatios protocol for the trasfer of data (ay type) across a etwork. ATM: see automated teller machie. ATM reciprocity: a arragemet betwee ATM operators uder which they accept each other s cards i their ow ATM machies. ATZ: Access Trackig Zoe. Part of the card memory reserved for registerig secret keys or cardholder codes. audit/joural priter: the priter which records all trasactios as they occur ad provides a audit trail. autheticate: to provide idetity or origi. autheticatio routie: a process used to validate a user, card, termial or message cotets. Also kow as a hadshake, the autheticatio uses importat data to create a code that is verified i real time or by batch processig. authorisatio: a card issuer s udertakig to a card acceptor that he will hoour a trasactio. authorisatio code: a specific value issued ad stored with the trasactio data to allow cofirmatio that a valid authorisatio occurred. authorisatio message: withi a paymet system, ay message betwee a card acceptor ad a card issuer servig to establish whether the issuer approves for a trasactio to proceed. authorisatio termial: a termial permittig authorisatio of a trasactio but ot ecessarily capturig the trasactio data ito a paymet system. automated bakig machie (ABM): North America term correspodig to automated teller machie i the UK. Automated Clearig House: a facility that electroically processes paymets of fuds ad govermet securities amog fiacial istitutios ad busiesses. Visa is the oly private atioal ACH i the US, competitive with the Federal Reserve ACH. automated issuig machie: a machie which records iformatio o a blak idetificatio card before its issue to the cardholder. Some issuig machies oly write iformatio o magetic tracks, others carry out embossig too. automated teller machie: a computerised selfservice device permittig the holder of a appropriate card ad Persoal Idetificatio Number (PIN) to withdraw cash from their accout ad access other bakig services. Also kow as cash dispesers. Avat: Fiish EP (electroic purse) scheme. B BACS: see Bakers Automated Clearig Services. bad accouts: geeric descriptio of feature which holds a egative file of accout umbers i the system s storage. balace equiry: a trasactio offered by a ATM or ABM eablig a cardholder to determie the balace of oe or more of his fiacial accouts. The Iteratioal Smart Card Idustry Guide 1997 / 98

287 Glossary of Terms 287 Bakers Automated Clearig Services: a orgaisatio of UK clearig baks which bulkprocesses paymets betwee the bak s accout holders. BACS is heavily used for employees salary paymets. batch processig: a mode of data processig i which data is gathered over a period of time ad aggregated for subsequet sequetial processig. beta test: the first public test of a ew programme, system or hardware, uder cotrolled coditios with selected users. See alpha test. BIN: card issuer idetificatio umber. biary: a umberig system usig oly the values 0 ad 1. bio: colloquial term for a device performig biometric autheticatio. biochip: a chip of sythesised orgaic molecules for use i quatity i a extremely fast computer. They are expected to be a thousad times faster tha silico chips ad use 100,000 times less power. biometric autheticatio: ay method of verifyig the idetity of a perso by measurig a idividual biological characteristic (e.g. figerpritig, retial scaig) bit: a biary digit. The smallest possible uit of iformatio i a digital code. bit desity: the umber of bits per uit legth recorded o a magetic medium. O ISO stadard idetificatio cards track 1 ad track 3 are recorded at 8.3 bpmm ad track 2 at 3 bpmm. bit rate: the rate of trasfer of iformatio i bits per secod o a commuicatios chael. bpmm: bits per millimetre - a measure of bit desity. bps: bits per secod - a uit i which bit rates are expressed. bridge: a device used to match dissimilar commuicatio circuits to each other to facilitate sigal iterchage. BSI: British Stadards Istitutio. buffered data: decoded data from a magetic stripe read-held i temporary memory util eeded. bureau service: see card bureau. bus: the pathway, i the form of copper foil lies or traces, over which data travels o a circuit board. Switchig is directed either by dip switches o the equipmet or by software. byte: a sequece of eight bits usually operated o as a uit. C CAD: see computer-aided desig. CADs: card acceptace devices. CAFE: see Coditioal Access for Europe. callig card: a telephoe card providig authority to charge calls to a specific credit accout set up for the purpose. CAM: Card Autheticatio Method. cacellatio otice: a otificatio from a card issuer givig details of fiacial trasactio cards which have bee cacelled (see hot card). capacitive card: a card costructed by applyig thi lamiates of metalised polyester to stadard card stock which is the ecoded by micropositioig laser markers. This oiteractive stable data format ca be stored ad read cotactlessly through capacitive couplig. capture date: the date o which a trasactio is processed by a acquirer. card acceptor: a party acceptig a fiacial trasactio card ad presetig trasactio data to a acquirer. card acceptor idetificatio code: withi a paymet system, a code idetifyig the poit at which a trasactio takes place. card acceptor termial idetificatio: withi a paymet system, a code idetifyig a termial at a poit of service. card base: a populatio of cardholders, especially i the cotext of a sigle card family. card bureau: a cotract service to card issuers, whereby prited blak cards ca be embossed ad ecoded with cardholder ad other data ad, i some cases dispatched to cardholders. card duality: issuig ad acquirig activities coducted with more tha oe paymet system. card ecodig: the origial recordig of iformatio o a idetificatio card by the card issuer. cardholder: a idividual to whom a paymet or other card has bee issued. cardholder accouts trasfer: movemet of fuds betwee a cardholder s accouts held by the same fiacial istitutio. cardholder billig coversio rate: the coversio rate used to covert the value of a trasactio from the trasactio currecy to the cardholder billig currecy. cardholder billig currecy: the currecy i which a cardholder is billed, especially i cotexts where this differs from the currecy i which his trasactios have bee deomiated. card issuer: a idividual or orgaisatio that issues idetificatio cards to idividual or corporate cardholders. card jitter: poorly aliged recordig o the magetic tracks of the idetificatio card. card ot preset: trasactio where the merchat does ot have physical access to the card, for example, telephoe or mail order ad the Iteret. card paymet system: a paymet system supportig paymets made by fiacial trasactio cards. card reader-writer: equipmet that ca electroically read the iformatio o oe or may types of cards ad modify specific data fields. card registratio service: a service to cardholders which registers cardholders idetificatio cards ad otifies card issuers if the cardholder advises the service of card loss, theft or destructio. If the card holder loses all his cards, a sigle call to the service is all he eed make. Usually the service will the iitiate lost card replacemet procedures. Some card issuers offer card registratio as a ehacemet service. card scheme: orgaisatio or paymet system which maages ad cotrols the operatio ad clearig of trasactios through their rules. Baks ad buildig societies must be members of the appropriate schemes to issue cards ad acquire card trasactios. Examples of schemes are MasterCard, Europay, Visa, America Express, Diers Club, Switch. card sequece umber: a umber distiguishig betwee separate fiacial trasactio cards which have the same idetificatio umber. cash advace: the obtaiig of cash which is posted agaist the cardholder s accout. cash dispeser: the simplest form of ATM, which permits oly cash withdrawal. cash trasfer: see cardholder accouts trasfer. CAT: see credit authorisatio termial. CD ROM: Iformatio usig read oly memory (ROM) that is loaded oto computer usig a compact disc. CEN: Comite Europée de Normalisatio - Europea Stadards Associatio. certificatio authority: trusted third party that establishes a proof likig a public key ad other relevat iformatio to its ower. CHAPS: Clearig House Automated Paymet System. British etity. character height: the maximum permitted height of embossed characters o a idetificatio card. For ISO stadard card this is 4.32mm (defied i ISO 7811). character spacig: the omial spacig of 1997 / 98 The Iteratioal Smart Card Idustry Guide

288 288 Glossary of Terms embossed characters o a idetificatio card. For ISO stadard cards this is 3.63mm with a miimum spacig betwee two cosecutive characters of 3.48mm (defied i ISO 7811). chargeback: retur of a fiacial trasactio by a issuer to a acquirer because of a perceived violatio of rules or procedures. chargeback dispute: a disagreemet betwee parties to a trasactio over whether or whe the trasactio actually occurred or what amout was ivolved. charge card: a plastic paymet card, the terms of which iclude the obligatio to settle the accout i full at the ed of a specified period of time. Examples are America Express cards ad Diers Club cards. May gold paymet cards operate as charge cards. check digit: a digit calculated from the digits of a umber ad appeded to it as a form of itegrity. Check digits o ISO stadard idetificatio cards are calculated usig the Luh formula. checkig accout: US term correspodig to curret accout i the UK. cheque guaratee card: card issued by a bak or buildig society for the purpose of guarateeig settlemet of cheques to third parties or supportig the ecashmet of cheques at fiacial istitutios up to a specified value. Most debit ad some credit cards may also fuctio as cheque guaratee cards (multifuctio cards). cheque guaratee limit: the maximum amout for which a cheque may be made out uder the coditios of use for a cheque guaratee card. chip: a piece of silico etched with electroic circuit. chip card: also itegrated circuit card, microprocessor card ad smart card. A card which holds details o a computer chip embedded i the card ad ca process as well as store those details. CKS: Checksum - a cotrol procedure used by applicatios i verifyig the itegrity of a card. clearig: the processig of fiacial trasactios betwee the acquirer ad issuer for recociliatio, billig ad statemet use. CLK clock sigal: a electroic sigal preseted at cotact C3 (see cotact) of a itegrated circuit card for sychroisatio betwee the card ad its exteral iterface device. closed pre-paid system: a system where the issuer ad acquirer of the card are the same party. The card is issued by the party that provides those services that ca be accessed by the card. CMOS: see complemetary metal oxide o silico. COB: Chip o board. co-bradig: a card issuig agreemet betwee a bak ad a commercial orgaisatio, such as betwee HFC ad Geeral Motors. coercivity: a measure of the stregth of magetic field. collectig baker: a bak actig as a acquirer. collectio: the process of trasferrig data or trasactios either from load devices to the purse provider host or from purchase devices to purchase provider hosts via acquirers. collusive merchat: a merchat who kowigly compromises charge, credit or debit cards ad/or kowigly accepts lost, stole or couterfeit cards. coloured cards: completely couterfeit charge, credit or debit cards. complemetary metal oxide silico: a semicoductor material used to make itegrated circuits with very low power cosumptio. Without it IC cards would ot be possible. Coditioal Access for Europe (CAFE): A Europea project, carried out by a cosortium of compaies active i electroic paymets together with leadig research orgaisatios. coectivity: the ability or facilities of data processig systems to coect ad iterwork with each other. cotact: a poit of electrical coectio betwee a itegrated circuit card ad its exteral iterface device. ISO stadard itegrated circuit cards have eight cotacts desigated C1 to C8 (defied i ISO 7816). cotact card: a smart card with a visible module cover (usually gold coloured) which has five or six cotact poits which trasfer iformatio. Cotact cards may be memory oly or microprocessor. cotactless card: a smart card with o visible module which trasfers data usig radio frequecy techology. Such cards are geerally used for trasport applicatios ad are usually powered by a itegral battery. coversio date: the prevailig date of the coversio rate at which a trasactio amout is coverted to a settlemet currecy. corporate charge card: a charge card provided by a compay to its employees for busiess expeses. Usually the compay is the accout holder ad the employee is the cardholder. couterfeit card: a card which has bee prited, embossed or ecoded so as to appear to be a legitimate card, but which is ot geuie because the issuer did ot authorise the pritig, embossig or ecodig. Or: a card which has bee subsequetly embossed or ecoded without the authority of the issuer. Or: a card which has bee validly issued but which has bee altered, refabricated, or reecoded. couterfeit goods: goods (icludig packagig) which bear a registered trade mark without authorisatio. coutry code: a umeric code idetifyig the coutry of origi of a party i the paymet system. coupler: device betwee the electroic ad logical iterface of the card ad the host computer. credit authorisatio: authorisatio of a trasactio uder which credit is grated to a cardholder. credit authorisatio termial: see authorisatio termial. credit card: a plastic paymet card which eables the cardholder to pay for goods ad services ad to obtai cash advaces up to a prearraged credit limit. The holder may settle the outstadig balace i full or i part by the ed of a specified period, or roll it over to the ext period, whereupo a iterest paymet is due. credit life isurace: life isurace which discharges a cardholder s credit card debt i the evet of his death. credit loss: amout charged off as a result of failure by the cardholder to repay the amout owed o the accout. credit scorig: usig a poits system to assess a cardholders creditworthiess. CRIS: Cardholder Risk Idetificatio Service. A eural et based risk idetificatio service that provides participatig Visa members with early warig iformatio about uusual ad suspect card usage. cross border fraud: fraud perpetrated o a plastic card, or usig a card umber, i a coutry other tha the coutry of issue. cryptaalysis: decryptio by aalysig data without kowig the key used for its ecryptio. cryptography: the methods ad practice of trasformig cofidetial iformatio to make it uitelligible to parties ot authorised to kow it. cryptosystem: a system which ecrypts ad decrypts iformatio. customer-activated termial: see uatteded termial. CVC ad CVV: card verificatio code by MasterCard ad card verificatio code by Visa. Ecrypted umeric value cotaied i the data o the magetic stripe, which ca be checked to The Iteratioal Smart Card Idustry Guide 1997 / 98

289 Glossary of Terms 289 esure that the iformatio has ot bee altered i ay way. D Damøt card: Demark s EP (electroic purse) card. data capture termial: a electroic paymet termial which captures trasactios for later off-lie processig. Data Ecryptio Algorithm: the ecryptio algorithm specified i the Data Ecryptio Stadard. Data Ecryptio Stadard (DES): A US stadard defiig a cryptosystem for use by the US Federal Govermet. Popularly kow as DES, this cryptosystem is widely used i paymet systems. DES is a type of ecryptio algorithm usig a sigle key cipher. The ecryptio/decryptio method is called symmetrical because the same key must be used to lock ad ulock the data. data itegrity: data with itegrity has ot bee altered or destroyed i a uauthorised maer. DDP: see distributed data processig. data warehouse: a repository made up of databases of data extracted from a variety of sources, with a view to aalysis to reveal additioal iformatio. DEA: see Data Ecryptio Algorithm. deactivatio: a secure procedure uder cotrol of the card/secure applicatio module (SAM) issuer, switchig a card or a SAM from its active life state to a permaetly disabled state which oly allows uprotected data to be read. debit card: a plastic paymet card liked to a bak or buildig society accout, used to pay for goods ad services by automatically debitig the holder s accout; usually also combied with other fuctios such as ATM operatio ad cheque guaratee (multi-fuctio cards). debit trasactio: a trasactio resultig i a debit to a cardholder s accout. decrypt: to effect decryptio. decryptio: reversig the process of ecryptio to recover the origial text of cofidetial iformatio. To do this easily the recipiet must possess the key used for the origial trasformatio. dedicated etwork: a commuicatios facility established for a specific purpose, such as servicig POS facilities. deferred debit cards: somethig half way betwee a debit card ad a charge card. The cardholder settles his etire balace for every billig period, but there is a delay betwee the date whe a trasactio is charged to his accout ad the date by which the paymet must be made. degaussig: magetic stripe data erasure. DES: see Data Ecryptio Stadard. DES cryptosystem: a cryptosystem complyig with the Data Ecryptio Stadard. device card: a itegrated circuit card that carries iformatio (logic ad data). Used to cofigure, operate, ad supervise a work statio that accepts itegrated circuit cards or cotais itegrated circuit card fuctios. digital optical laser card: a portable card that passively stores iformatio i the form of highdesity marks or bars. digital sigature: a system used to autheticate a message or trasactio by the seder. The digital sigature is geerated usig a cryptographic algorithm ad iformatio that idetifies the user, icludig a cryptographic key. digitisig: coversio of o-textual data to digital form, especially i graphics ad image processig. discout merchadise: a ehacemet service available with some fiacial trasactio cards whe the card issuer has a arragemet with suppliers of goods to offer discouts to cardholders payig with their cards. discout rate: the fee a merchat pays the acquirer to process a purchase charged to a card paymet system. disitermediatio: a process whereby a thirdparty itermediary i a trasactio is removed, allowig the two primary participats to iteract directly. disposable card: a card discarded by the cardholder whe its value has bee used up. Not all exhausted cards are disposed of. At least oe prepaid scheme captures empty cards ad recycles them. distributed data processig: data processig carried out by a system of computers coected i a etwork ad sharig tasks amog themselves. DKV: Deutscher Kraftverker - the Germa service compay which issues the most widely accepted ad used pa-europea fuel card. double-copy voucher: a sales voucher or receipt prited i duplicate o a EFPOS or EFTPOS termial. The cardholder keeps oe copy ad the card acceptor keeps the other. dow-lie loadig: loadig of data from a acquirers computer system to a card acceptor s termial via a itermediate etwork facility (e.g.to trasmit hot card files). dow-loadig: see dow-lie loadig. DRAM: see dyamic radom access memory. DSA: Digital Sigature Algorithm - a US govermet stadard. DSS: Digital Sigature Systems - a type of asymmetric ecryptio/decryptio system used for remote autheticatio. dual-stadard termial: a termial supportig both DES ad RSA cryptosystems. dump: to copy data to a scree, priter or aother storage medium. dyamic radom access memory: radom access memory which eeds its cotets to be refreshed o each memory cycle (compare static radom access memory). E EASCIL: Easy Smart Card Iterpretive Laguage - a laguage iterpreter developed by Bull CP8. Ecash: Electroic cash. Autheticated value that is represeted by a electroically stored code. ECC: Error Correctig Code - a combiatio of bits resultig from a calculatio uder a set of give rules used to detect ad correct errors. ECR: see electroic cheque reader. edge burr: roughess o the edges of idetificatio cards. For ISO stadard cards they must be less tha 0.08mm i size (defied i ISO 7810). EDI: see electroic data iterchage. EDIFACT: EDI for Admiistratio, Commerce ad Trade - EDI stadard developed by the UN combiig UN/GTDI ad ANSI X12. EEPROM: see PROM. Electroically Erasable Programmable Read-Oly Memory which ca be re-used may times, as i the re-loadable EP (electroic purse) card. EFT: see electroic fuds trasfer. EFTPOS: see electroic fuds trasfer at poit of sale. electromagetic iterferece: iterferece to the operatio of electroic equipmet caused by currets iduced by exteral electromagetic fields. electroic beefits trasfer: paymet of social security beefits by electroic fuds trasfer. electroic commerce: trasactios which are coducted over a electroic etwork where the buyer ad merchat are ot at the same physical locatio. A example is plastic card trasactios via the Iteret. electroic data iterchage: structured electroic messagig that coverts data ito agreed formats for trasfer betwee parties. electroic draft capture: capture by a acquirer 1997 / 98 The Iteratioal Smart Card Idustry Guide

290 290 Glossary of Terms by electroic meas of data for trasactios ot origially processed electroically by a card acceptor. Usually this ivolves optical character recogitio of sales vouchers. electroic fuds trasfer: the techology ad practice of makig paymets by paymet istrumets embodied i the fuctios of computer systems. electroic fuds trasfer at poit of sale: (EFTPOS) the techology ad practice of makig paymets for goods ad services by meas of electroic fuds trasfer iitiated at the poit where the goods or services are purchased. electroic imagig: the productio of digitised images by opto-electroic meas ot ivolvig immediate photographic recordig. electroic mail: a service allowig a computer user to sed messages istataeously to aother user s directory or mailbox. electroic paymet termial: a termial acceptig a paymet istrumet which results i electroic fuds trasfer. electroic poit of sale: a poit of sale or poit of service equipped with electroic equipmet for pricig ad recordig trasactios but ot ecessarily icorporatig fuctios for electroic fuds trasfer. electroic purse: (EP) loadable smart card scheme for small value purchases. electroic wallet: a super smart card or some sort of pocket-sized reader/writer for a stadard smart card which allows complex fiacial trasactios to be etered, usually via a keyboard. Electroic wallet systems allow multiple purse applicatios to be iterrogated more effectively. embossed hologram: a holographic image is embossed o special foil that ca be affixed to a plastic card. embossig: characters raised i relief from the frot surface of a idetificatio card or the process of formig such characters. embossig area: the area o a idetificatio card withi which embossig is located (defied i ISO 7811). emergecy cash service: a ehacemet service pioeered with travel ad etertaimet cards uder which a cardholder ca obtai o demad from a card acceptor a cash advace up to a pre-determied limit. EMI: see electromagetic iterferece. EMV: Collaboratio betwee Europay, MasterCard ad Visa. ecoder: system or equipmet desiged for the ecodig of magetic-striped plastic cards used to activate a ATM. ecodig: recordig electroic iformatio o to a magetic stripe. ecrypt: to effect ecryptio ecryptio: a trasformatio of iformatio, based o a key, to make the iformatio itelligible to uauthorised parties. The authorised recipiet possesses the key ad recovers the origial text by the reverse process, decryptio. ehacemet services: services offered to cardholders of fiacial trasactio cards i additio to the basic service of providig a paymet istrumet. The most commo oes are card registratio, lost card replacemet, travel ad life isurace, ad reservatio guaratees. EP: see electroic purse. EPOS: see electroic poit of sale. EPROM: see PROM. Electroically Programmable Record Oly Memory used for disposable cards such as telephoe cards. error correctig code: a error-detectig code desiged so that certai classes of detected errors ca be corrected automatically. Note that ot all detectable errors are correctable. error-detectig code: a digital code i which redudat bits are icorporated to allow trasmissio errors to be detected. (see also parity). ETSI: Europea Telecommuicatios Stadard Istitute. ETSI card stadards are based o ISO stadards where published. F fallback: as used i stad-aloe off-lie fall back, this cocept calls for the itelligece to allow a ATM to ru idepedetly of its host computer ad commuicatios lik. This meas the ATM is totally operatioal except for the balace iquiry fuctios whe phoe lies, modem ad host computers are ot. Farrigto 7B: a type fot comprisig letters ad digits oly ad used for embossig text o idetificatio cards (defied i ISO 7811). FEP: see frot-ed processor. ferrous oxide: the metal rust particles that are used to make magetic stripes. The cotrolled rustig (oxidatio) determies the recordig characteristics of the magetic material. fibre optic cables: a trasmissio medium i the form of fibre made of optical glass which coveys coheret light o which digital sigals are trasmitted at close to the speed of light. fiacial trasactio card: a idetificatio card idetifyig both the card issuer ad cardholder ad used to facilitate, ad sometimes provide data for, trasactios. fie lie security patter: a prited patter of fiely spaced lies used to prevet couterfeitig of prited matter (see also ifill pritig). figerprit reader: a device which forms a digitised image of a huma figer prit for the purpose of biometric autheticatio. firewall: a method of defece agaist electroic itrusio ito the corporate computer etwork. flash: a type of memory based o a modified sigle trasistor EPROM cell techology which offers all the usual reliability attributes of EPROM, but is i-system, electrically erasable o a whole chip or block basis. fleet fuellig card: a special purpose charge card used most by trasport drivers to pay for fuel o the road. float: the value of fuds tied up i the paymet process reflectig the value of paymet processig time. Also fuds from pre-paid cards. floor limit: the maximum value for which a card acceptor accepts a trasactio without obtaiig authorisatio. flux trasitio: a reversal of magetic polarity o a magetic track (see two-frequecy recordig) FM: see frequecy modulatio. FRAM: Ferroelectric RAM (pateted by RACOM). A system usig memory cells cotaiig a layer of crystals of zircoium/titaium, oxyge ad lead which form a tiy trasistor. FRAM is said to be 20,000 times faster tha flash memory ad costs 25% less tha battery-backed SRAM. frequecy modulatio: ecodig of sigals by chagig the frequecy of a alterative curret. Ofte used, somewhat cofusigly, to refer to two-frequecy recordig. frot-ed processor: a computer which hadles commuicatios processig for aother usually larger computer. ftpmm: flux trasitios per millimetre - a measure of the desity of recordig o a magetic track, but ot the same as bpmm (see two frequecy recordig). full track readig: readig the full capacity of a magetic track. G GAUDI: see Geeralised Advaced Urba Debitig Iovatios project. gateway: a device which iterfaces two dissimilar computer etworks to each other ad performs iter-etwork protocol coversio. The Iteratioal Smart Card Idustry Guide 1997 / 98

291 Glossary of Terms 291 geeral purpose chip: a chip with electrical properties that are set for the hadlig of a commo set of requiremets, such as a microprocessor or storage uit. gigabyte: a billio bytes. GND: the ISO stadard desigatio for the groud circuit preseted o cotract C5 of a itegrated circuit card (defied i ISO 7816). Geeralised Advaced Urba Debitig Iovatios project (GAUDI): sposored by Europea Commuity, it ivolves smart card projects i five major Europea cities. Global System for Mobile commuicatios (origially Groupe Systeme Mobile): the digital mobile phoe etwork beig itroduced worldwide with more capacity ad better trasmissio quality tha aalogue etworks. gold card: a prestige issue of fiacial trasactio card with up-market ehacemet services. They are usually coloured gold ad aimed at well-off cardholders. America Express itroduced them first, but other card issuers have followed suit. GPS: Global positioig system. The satellite avigatio system set up by the US govermet. GSM: see Global System for Mobile commuicatios. guard data: check data icluded i itegrated circuit cards as a coutermeasure agaist loss of itegrity due to electromagetic iterferece. guard time: the miimum time betwee the trailig edge of the parity bit of a character ad the leadig edge of the start bit of the followig character set i the same directio. GUI: Graphical User Iterface. H hadshake: routie pulse exchage betwee the cetral processig uits of computers to esure sychroisatio or that etry to the host computer is authorised. hit: World Wide Web servers are capable of trackig the umber of accesses to the site. Each access deotes oe hit. holographic foil: the foil used to carry embossed holographic images. hologram: a flat optical image which looks three-dimesioal whe viewed with the aked eye. To produce it you eed sophisticated, expesive equipmet which takes pictures usig coheret light. (see hologram card). hologram card: a idetificatio card bearig a hologram as a security measure agaist couterfeitig. home bakig: retail bakig operatios coducted by customers usig electroic paymet termials i their ow homes. hoour-all-cards rule: a rule ofte imposed o a card acceptor that wheever he accepts oe card of a card family he must also accept all others. host: cetral computer with which a o-lie termial commuicates. host-to-host authorisatio: a method of seekig authorisatio usig a merchat s mai computer via the BMS host computer. hot card: a card which is o loger valid but has ot bee retured to the card issuer ad whose attempted use is likely to be fraudulet. hot-card file: a file listig hot cards which is distributed by a card issuer to other parties i a paymet system (see cacellatio otice). hot list: a compilatio of lost, stole, over limit, or couterfeit cards, which may be used to verify the legitimacy of the trasactio durig authorisatio. HTTP: hypertext trasfer protocol for trasferrig betwee Web servers ad subscribers. humidity: a measure of moisture i the air. ISO stadard idetificatio cards are supposed to stay useable i the humidity rage 5% to 95% with a maximum wet bulb temperature of 25 degrees Celsius (defied i ISO 7810). I ICAC: Idepedet Commissio Agaist Corruptio, based i Hog Kog. ICC: see itegrated circuit card. IC memory card: a itegrated circuit card cotaiig memory but o processig elemets. ID card: see idetificatio card. ID-1: the most popular of idetificatio card formats i which the legth ad width are i the ratio 3:2 (hece the term 60:40 format). ISO 7810 prescribes the actual dimesios as 85.60mm by 53.98mm. ID-2: a ISO stadard idetificatio card format havig a legth of 105mm ad width 74mm (defied i ISO 7810). ID-3: a ISO stadard idetificatio card format havig the legth of 125mm ad width 88mm (defied i ISO 7810). idetificatio card: a card idetifyig its bearer ad issuer. It may also carry other data to facilitate fiacial trasactios i which case it is also a fiacial trasactio card. idetificatio umber: o a idetificatio card the umber that idetifies the cardholder. IEP: Itersector Electroic Purse - a smart card applicatio to store ad maipulate electroic value accordig to the proposed CEN stadard. image processig: see electroic imagig. impriter: a device used to prit embossed details from fiacial trasactio cards o to sale vouchers. idividual accout idetificatio: a persoal or idividual umber assiged by a card issuer to idetify a idividual or accout. ifill pritig: fillig otherwise blak areas of prited material with fie detail pritig as a coutermeasure agaist couterfeitig (see also fie lie security patter). isult rate: umber of occasios a valid user is rejected for a service as i the erroeous rejectio of valid users by biometric methods. itaglio pritig: a pritig process i which the ik-bearig areas of the pritig surface are hollows below the surface. The thickess of the layer of ik trasferred to the prited surface varies accordig to the depth of the hollow givig a desig effect. itegrated circuit: a electroic circuit fabricated whole o a sigle piece of semicoductig material. itegrated circuit card: a ID 1 format card ito which oe or more itegrated circuits have bee icorporated. iteractive message: i a paymet system, a message set ad respoded to while a trasactio is takig place, especially messages to ad from electroic paymet termials i olie operatio. iterbak trasfer: a trasfer of fuds betwee baks. iterchage fee: i a paymet system, a fee charged by a party who receives trasactio data ad forwards it to a card issuer. Iteratioal Stadards Orgaisatio (ISO): cetral body, located i Switzerlad, for the formatio ad dissemiatio of idustry stadards for all atioal stadards bodies. Iteret: the global etwork of itercoected govermet, commercial ad academic computer systems, accessed via odes ru by Iteret service providers - operators who charge a fee for supplyig a coectio. iterface device: a device providig a electrical iterface to a itegrated circuit card to eable its fuctios to be activated. itermediate etwork facility: the system of computig ad telecommuicatios equipmet which supports the trasmissio of trasactios betwee the parties i a paymet system. ISDN: Itegrated Services Digital Network. The immediate alterative to the public service 1997 / 98 The Iteratioal Smart Card Idustry Guide

292 292 Glossary of Terms telephoe etwork. Eables high-speed trasmissio of digitised data. ISO: see Iteratioal Stadards Orgaisatio. ISO 10536: key stadard for cotactless smart cards. ISO 1073: Alphabetic character sets for optical character recogitio. The ISO stadard defiig the OCR-A ad OCR-B character sets for embossig o plastic cards. OCR-A is defied i Part 1 of the stadard, OCR-B i Part 2. ISO 1831: Pritig specificatios for optical character recogitio. The ISO stadard specifyig requiremets for ik-pritig o documets iteded for OCR. ISO 4909: Bak cards - magetic stripe data cotet for track 3. The ISO stadard defiig the cotet of track 3 o ISO stadard fiacial trasactio cards. ISO 7810: Idetificatio cards - physical characteristics. The iteratioal stadard defiig formats ad geeral physical characteristics for idetificatio cards. ISO 7811: Idetificatio cards - recordig techique. Part 1: Embossig Part 2: Magetic stripe Part 3: Locatio of embossed characters o ID-1 cards Part 4: Locatio of read-oly magetic stripes - tracks 1 ad 2 Part 5: Locatio of read - write magetic track - track 3 The ISO stadard defiig how iformatio is recorded o ISO stadard idetificatio cards. ISO 7812: Idetificatio cards umberig system ad registratio procedures for issuer idetifiers. The ISO stadard which lays dow the iteratioal umberig scheme for ISO stadard idetificatio cards. ISO 7813: Idetificatio cards/fiacial trasactio cards. The ISO stadard which lays dow specificatios for idetificatio cards which are also fiacial trasactio cards. Specificatios iclude structures for iformatio recorded i track 1 ad track 2. ISO 7816: Idetificatio cards; itegrated circuit cards with cotacts - Part 1: Physical characteristics Part 2: Dimesios ad locatio of the cotacts Part 3: Electroic sigals ad trasmissio protocols The ISO stadard defiig the characteristics of the most commoly used itegrated circuit cards. issuer: a member of a card paymet system which issues cards. Also kow as the issuig bak. issuers clearig house service (ICS): a system developed by MasterCard ad Visa desiged to alert issuers to possible fraudulet ad high-risk card applicatios. issuer idetificatio umber: a umber idetifyig the major idustry ad idetity of a card issuer ad which forms the first part of the idetificatio umber. issuer idetifier: a umber idetifyig a card issuer withi his idustry. IVU: I Vehicle Uit. Used i road tollig for the electroic car-based uit that commuicates with roadside beacos or gatries. J JEIDA: Japa Electroics Idustry Developmet Associatio. JEIPA: Japa Electroics Idustry Promotio Associatio. K KBS: kowledge-based system. key: a value used as part of a process of ecryptio or decryptio to trasform cofidetial iformatio. Decryptio is easy if you have the key, otherwise it is very difficult. Security depeds o keepig the key secret. key maagemet: the secure geeratio, allocatio, distributio ad replacemet of keys for a cryptosystem. kilobyte: Precisely 1,024 bytes. A measure of memory capacity i a computer or the size of a file. The abbreviatio is K, as i 254K. L LAN: see local area etwork. laguage: system of symbols ad rules for combiig i uderstadable forms, e.g. Basic, Fortra. LaserCard: see optical memory card. leticular patter: a visual patter resemblig fish scales created by the itersectio of fie lie security patters. light-sesitivity: ISO stadard idetificatio cards are supposed to resist deterioratio from exposure to light durig ormal use (criteria defied i ISO 7810). load: process of securely loadig a IEP with value. local area etwork: a distributed data processig etwork servig a sigle site or group of co-located users ad ot usig public telecommuicatios etworks. local trasactio date: the time of day at which a trasactio takes place betwee a cardholder ad a card acceptor. lockig: a system for securig a smart card so that uauthorised users caot gai access. Also kow as card blockig. loop: typically used to refer to the hardware iterface ad commuicatios protocol utilised to itercoect cotrollers. lost card replacemet: a ehacemet service to cardholders of fiacial trasactio cards uder which they ca quickly obtai a replacemet for a lost card by applyig to a local aget of the card issuer. lost trasactios: trasactios that would historically have occurred durig a dow. low-co: colloquial term for magetic recordig material of low coercivity. M MAC: see message autheticatio code. magetic shieldig: eclosure of electroic compoets to prevet electromagetic iterferece or emaatio. magetic stripe: the strip of magetic recordig material o which the magetic tracks of a idetificatio card are recorded. magetic stripe reader: a device which reads iformatio recorded o the magetic tracks of a idetificatio card. magetic stripe writer: a device which writes iformatio to magetic tracks o a idetificatio card. Note that track 1 ad track 2 are read-oly o ISO stadard cards. magetic track: a liear path o a magetic stripe alog with data recorded. Positios of magetic tracks are defied i ISO major currecy uit: the larger uit of currecy i a particular coutry, i.e. the poud as opposed to the pey, the dollar as opposed to the cet, etc. major idustry idetifier: a umber idetifyig the major idustry of a card issuer. maagemet iformatio system (MIS): database developed by APACS to record ad aalyse data from UK paymets idustry. maual reversal: reversal of a trasactio effected by maual etry of data ad ofte offlie processig. marks pael: a high security prit area used i card desig. masked ROM: ROM i which data is istalled at the time of maufacture ad which caot The Iteratioal Smart Card Idustry Guide 1997 / 98

293 Glossary of Terms 293 subsequetly be erased ad reprogrammed (compare PROM, EPROM, EEPROM). MasterCard: a iteratioal paymet systems orgaisatio cotrolled by its members. megabyte: precisely 1,048,576 bytes. member: a orgaisatio that is participat i a specific bak card pla. memory card: see IC memory card. merchat: popular term for card acceptor. merchat accoutig: accoutig for fuds owig betwee a card acceptor ad a acquirer. merchat acquirer: see acquirer. merchat agreemet: writte agreemet betwee merchat ad acquirer outliig rights, duties ad warraties. merchat authorisatio: meas of receivig sales validatio to guaratee paymet to the merchat. merchat fraud: fraud perpetrated agaist other parties i a paymet system by a card acceptor. merchat service charge: the charge made to a card acceptor by a acquirer for processig trasactios origiated by the card acceptor. message autheticatio code: i a paymet system, a code used to validate the source of itegrity of the message. microcomputer card: a itegrated circuit card cotaiig a microprocessor. microprocessor: a chip that serves as the cetral processig uit cotrollig a computer. A microprocessor is the result of a electroics miiaturisatio techique ad computer techology which provide programmable itelligece i a small package at relatively low cost. mior currecy uit: the smaller of the uits of currecy i a particular coutry, i.e. the pey as opposed to the poud, the cet as opposed to the dollar, etc. modem: acroym for modulator-demodulator, a device which coverts digital iformatio from a computer ito aalogue sigals for trasmissio over a telephoe lie ad the coverts back ito digital iformatio o receipt. moey lauderig: the wilful cocealmet of the existece, illegal source, or illegal use of proceeds, ad the disguise of them as legitimate. motorised card reader: a magetic stripe reader which passes a card past its magetic heads uder motor power compare read-oisertio, read-o withdrawal, swipe reader). Most ATMs ad ABMs have this kid of reader. MROM: permaet memory IC where data is writte (masked) at the time of maufacture. MSC: see merchat service charge. multi-applicatio card: a smart card capable of hadlig a umber of differet sorts of applicatio, such as electroic purse, ID ad health records. The applicatios may be provided by differet parties or be cotrolled by a sigle scheme developer. multi-currecy dealig: processig of trasactios deomiated i differet currecies withi a sigle paymet system. multimedia: techology that combies soud, graphics, image ad text, eg. CD-ROM. N Natioal Bureau of Stadards: the predecessor body to the US Natioal Istitute of Stadards ad Techology. Natioal Istitute of Stadards ad Techology: the US govermet body cocered, amog other thigs, with the developmet of stadards for use by the US federal govermet. NBS: see Natioal Bureau of Stadards. NCP: see etwork cotrol program. egative file: a record cotaiig all accouts o which all charge privileges have bee revoked. etwork: geerally a set of etities coected by liks. I the cotext of computers a set of computig systems coected by data commuicatio liks via which they commuicate ad co-operate. etwork architecture: the orgaisatio of computer ad commuicatios systems which supports commuicatio ad co-operatio betwee them. etwork cotrol programme: a program which cotrols data trasfer i a computer etwork. etwork maagemet message: i a paymet system, ay message used to moitor or cotrol the operatio of a itermediate etwork facility. etwork protocol: i a itermediate etwork facility, a set of rules ad procedures goverig commuicatio betwee etities coected by the etwork. eural etwork: itelliget fraud prevetio system where the software lears ad ameds patters of behaviour. ibble: the four most sigificat or least sigificat bits of a byte. iche membership: see affiity card. NIST: see Natioal Istitute of Stadards ad Techology. ode: geerally a etity coected to other etities by oe or more liks i a etwork. o-bak: i a paymet system, a fiacial istitutio ot offerig retail bakig services. o-cotact card: a itegrated circuit card i which the electrical couplig betwee the electroic elemets i the card ad the exteral iterface device does ot ivolve exteral physical cotacts. The couplig may be by iductive or capacitive meas. o-discrimiatio: a priciple uder which a card acceptor agrees to charge the same price to a customer regardless of the paymet istrumet the customer offers. o-iteractive message: a message trasmitted after a trasactio has take place ad to which respose is ot urget. o-repleishable card: a disposable, prepaymet card that caot have value reistated. o-toxicity: ISO stadard idetificatio cards are supposed ot to preset ay toxic hazards i ormal use (defied i ISO 7810). o-volatile memory: a computer memory which does ot lose its cotets whe exteral power is removed. umeric coutry code: see coutry code. O OCR: see optical character recogitio. OCR-A: a character set for optical character recogitio defied i ISO 1073 Part 1. OCR-B: A character set for optical character recogitio defied i ISO 1073 Part 2. oersted: the uit of magetic coercive force i the cetimetre, gram, secod, system of uits. Also used to defie relative difficulty of erasig magetic material. off-lie: takig a trasactio either o paper or o a electroic termial without coectig to a cetral system. OMR: see optical memory reader. oe-time PROM: PROM which, oce located with data, caot be erased ad rewritte (compare EPROM, EEPROM). o-lie: takig a trasactio o a termial permaetly coected to a etwork that is olie to the card accout. o-lie authorisatio: coectig to a authorisatio cetre to check the status of a card. ope to buy: the differece betwee the credit limit assiged to a cardholder accout ad the preset balace (icludig authorisatio outstadig) o that accout. Syoymous with available credit. ope system: a card system that ivolves multiple issuers of cards that ca be used to access services or purchase products at multiple service providers. A ope system requires the processig of iterchage trasactios, usually by a idepedet system operator / 98 The Iteratioal Smart Card Idustry Guide

294 294 Glossary of Terms optical card: see optical memory card. optical card reader: a device which reads optical memory cards. optical fibre: a trasmissio medium i the form of fibre made of optical glass which coveys coheret light o which digital sigals are modulated. optical image retrieval: retrieval of digitised images. optical image storage: electroic storage of digitised images. optical memory card: a idetificatio card o which iformatio is recorded usig optical recordig techiques (similar to those used for compact discs for domestic audio). optical memory reader: a device which reads iformatio stored usig optical recordig techiques (see optical memory card). OTPROM: Oe Time Programmable Read Oly Memory P packet-switchig etwork: a data commuicatio system i which data is coveyed i discrete uits called packets. PAN: see primary accout umber. parity bit: a bit appeded to the bit patter for a character so that the umber of bits i the patter ad parity bit combied is either eve or odd, said to be eve or odd parity respectively. ISO stadard idetificatio cards use odd parity o their magetic tracks (defied i ISO 7811). passive chip card: a itegrated circuit card cotaiig o programmed processig elemets. paymet istrumet: ay meas of rederig value from oe party to aother. paymet system: geerally ay system for processig paymet istrumets ad settlig cosequetial debts amog parties to the system. Examples are Europay Iteratioal, MasterCard Iteratioal ad Visa Iteratioal. The term is ow ofte used specifically to refer to the computer etworks ad software systems used by the fiacial istitutios ivolved. PCB: see prited circuit board. PCMCIA: Persoal Computer Memory Card Iteratioal Associatio - a US based associatio with members draw from leadig hardware ad software compaies worldwide workig to develop iteratioal stadards for storage ad computer applicatio memory cards which are fudametally differet from smart memory cards. persoal idetificatio umber (PIN): a umber allocated to a cardholder to idetify him uambiguously at poit of sale. Such umbers eed to be remembered by the cardholder ad are usually short (4 digits is commo). A umber this short caot idetify a cardholder uiquely withi a cardbase, but it is usually eough to distiguish him from other cardholders at the poit of use of his card. persoal positive idetificatio: see biometric autheticatio. photo ID card: a idetificatio card bearig a photographic image of the cardholder. The image ca be a actual photograph or oe captured wholly electroically (see electroic imagig). PIC: Persoal idetificatio code. Four or six digit code assiged which provides access to a electroic device i cojuctio with the debit/credit card ad also provides security i the evet of card loss. (see PIN). PIN: see persoal idetificatio umber. PIN geeratio: the geeratio of PINs for allocatio to cardholders. PIN pad: a small keyboard device attached to a electroic paymet termial o which a cardholder eters his PIN to autheticate his idetity. pirated goods: copies made without the coset of the holder of a copyright or eighbourig rights, or of a desig right. pixel: a small elemet of toe or light costitutig a idivisible elemet of graphic image. plastic card: geeric descriptio of all paymet cards icludig credit, debit ad cheque guaratee. plastic couterfeitig: alterig ad reembossig geuie charge, credit or debit cards; or re-ecodig details of a geuie accout umber o to the magetic stripe of aother geuie charge, credit or debit card; or producig white plastic; or producig completely couterfeit charge, credit or debit cards. plastic key: a toke i the form of a idetificatio card. poit of authorisatio: withi a paymet system, the poit at which a card issuer or his aget grats approval for a trasactio to proceed. poit of compromise: a locatio where details of geuie charge, credit or debit cards are compromised. Embossed features ad/or the ecoded iformatio o the magetic stripe are captured for fraudulet use by crimials. poit of sale: the locatio at which a trasactio takes place. poit of sale termial: a device placed i a merchat locatio which is coected to the bak s system, via telephoe lies, desiged to authorise, record ad forward data by electroic meas for each sale. pollig: the process of collectig batches of trasactios from a off-lie EFTPOS termial. polyester lamiate: raw plastic sheet material from which idetificatio cards are made. polyviyl chloride: oe of two plastics (the other is polyviyl chloride acetate) specified by ISO 7810 as a suitable material for idetificatio cards. POS: see poit of sale. post-status fraud: fraud which takes place after a paymet card has bee reported lost, stole or compromised. pre-authorisatio: gratig approval for a trasactio i advace of it beig cotracted. pre-paid card: a card paid for at poit of sale, ad permittig the bearer to buy goods or services usually of a particular type up to the pre-paid value. Not all such cards are ISO stadard idetificatio cards because some do show the idetity of the bearer (see telephoe card). pre-paid smart card: a pre-paid itegrated circuit card. pre-status fraud: fraud which takes place before a paymet card has bee reported lost, stole or compromised. primary accout umber: earlier desigatio for idetificatio umber. prited circuit board: a lamiated board, ofte of epoxy resi, o which coductig tracks are etched ad electroic compoets mouted to fabricate a electroic circuit. prior authorisatio: the acceptace of fiacial liability for services to be redered by a provider to a idividual by the payer. This does ot automatically esure paymet. private key: i asymmetric cryptography, the key which is published by the user (desigated recipiet) to allow others to sed secure messages which may the oly be decoded by the desigated recipiet who possesses the matchig private key. private label/proprietary card: a card that is a member of a scheme that is ot oe of the major bak issued schemes. Most usually a scheme ru by or for a retailer. processig fee: a fee charged by a party i a paymet system for processig trasactios or settlemets. programmable read-oly memory: read-oly memory whose cotets ca be loaded by the user after maufacture (compare masked ROM). The Iteratioal Smart Card Idustry Guide 1997 / 98

295 Glossary of Terms 295 Some forms permit the user to erase the cotets ad reload ew data, e.g. EPROM (=erasable PROM) ad EEPROM (= electroically erasable PROM). programmig voltage: the voltage must be applied at cotact C6 of a itegrated circuit card to programme ay programmable itegrated circuits it may cotai. PROM: see programmable read-oly memory. protocol: a set of rules ad procedures goverig iterchage of iformatio betwee commuicatig etities (see also etwork protocol). proximity card: a o-cotact card whose presece ad cotaied data ca be sesed by a iterface device ot i physical cotact with the card. Such cards are ofte used i access cotrol systems i which doors ope automatically if a authorised perso approaches carryig his card. PSTN: Public Service Telephoe Network. PTT: Post, Telegraph ad Telecommuicatios ad referrig to a atioal telecommuicatios admiistratio or carrier, especially i Europe. public-key cryptosystem: a cryptosystem i which keys have public ad secret parts. Public keys are kow to all users. Secret keys are kow oly to their owers. To sed a message a user ecrypts it usig his ow secret key ad the public key of the recipiet. The recipiet ecrypts with his ow secret key of the seder (see Rivest-Shamir- Adlema cryptosystem). published key: i asymmetric cryptography, the key which is published by the user to others for their use i verifyig sigatures ad ecryptig messages. PVC: see polyviyl chloride. R radio frequecy card: a proximity card i which the couplig betwee the card ad its iterface device is by radio. raibow pritig: ifill pritig usig graded areas of colour which merge ito oe aother. RAM: see radom access memory. radom access memory: a volatile memory used i itegrated circuit cards that requires power to maitai data. RBT: remote batch termial. Remote from the computer to which it is coected which collects data for ad returs data from batch processig. reader-writer: a device which ca both read from ad write to a recordig medium. read-o-isertio: readig iformatio from a magetic stripe while the card is beig iserted ito the reader device. read-oly magetic tracks: track 1 ad track 2 o a ISO stadard idetificatio card. Oly track 3 is read-write track. read-oly memory: o-volatile memory that is writte oce, usually durig card productio. It is used to store operatig systems ad algorithms employed by the microprocessor i a itegrated circuit card durig trasactios. read-o withdrawal: readig iformatio from a magetic stripe while the card is beig removed from the reader device. read-write track: track 3 o a ISO stadard idetificatio card. real time: of iformatio processig, carried out promptly o demad. reciprocity: i card paymet systems, agreemet betwee parties that they will provide to each other correspodig services i respect of each other s cardbases. recociliatio: the process of checkig that oe or more trasactios have bee completely ad correctly recorded betwee two parties i a paymet system. recociliatio cotrol message: i a paymet system, a message used to exchage iformatio for the purpose of recociliatio. reflex hologram: a hologram produced i film form similar to a photo egative which gives full 3-D imagery. reliability: measure of efficiecy. Measured i up time or the average umber of trasactios which ca be completed before failure occurs. relief height: the height above the surface of the card of characters formed o it by embossig. For ISO stadard idetificatio cards this height should ot exceed 0.48mm (defied i ISO 7811). remote access bakig: see home bakig. reset sigal: a electroic sigal applied at cotact C2 of a itegrated circuit card to reset it for use. respose time: the time take for a termial to obtai a reply from a remote cotrol computer system. retail bakig: the part of a bak s operatios providig services at its braches for small (i bak terms) accout holders. retial-scaig: a device used to recogise patters i the huma retia. The device makes a digitised image of a strip,of retia. This image ca the be compared with a pre-stored oe. Retial patters are almost uique to idividuals ad retial scaig is curretly oe of the most powerful methods of biometric autheticatio. reversal debit: a debit arisig from reversal of a previous credit. reversal message: i a paymet system, a message relatig to a reversal. reversal trasfer: a trasfer of fuds arisig from reversal of a previous trasfer. revolvig credit: a accout o which paymet is ay amout less tha the total balace ad the remaiig balace carried forward is subject to applicable fiace charges. RF card: see radio frequecy card. risk maagemet: part of a bak, or idividuals, with resposibility for maagig risk ad measures desiged to reduce risk of credit ad fraud losses. Rivest-Shamir-Adlema (RSA) cryptosystem: a public-key cryptosystem i which public ad secret keys are derived from the factors of very large umbers. It is a asymmetric form of ecryptio usig a private key to lock the data ad a public key to ulock it. ROM: see read-oly memory. Routex: the pa-europea fuel card etwork operated by the BAMI (BP, Aral, Mobil ad IP) cosortium, for which each member ca issue its ow cards. routig: the chai of trasmissios by which a trasactio passes from a acquirer to a card issuer i a paymet system. RSA: see Rivest-Shamir- Adlema cryptosystem. RST: the desigatio give i ISO 7816 for the reset sigal. ruaway card: a lost or stole card that is beig misused frequetly ad fast. S SAM: a logical device used to provide security for isecure eviromets. Protected agaist tamperig ad a store for secret or critical iformatio. script: a commad or strig of commads trasmitted by the issuer to the termial for the purpose of beig set serially to the ICC. SDN: see sychroous data etwork. secret key: the key used i a symmetric cryptographic algorithm, where the same key is used for ecryptio ad decryptio. security pritig: pritig which icorporates ati-couterfeitig measures such as fie-lie security patters, ifill pritig, leticular patters, raibow pritig, serial umberig, etc. ad which is carried out uder tightly cotrolled coditios to prevet fraud. SEPP: Secure Electroic Paymet Protocol. server: a computer that serves other computers 1997 / 98 The Iteratioal Smart Card Idustry Guide

296 296 Glossary of Terms coected to it by LANs or Wide Area Networks. service code: a code recorded o track 1 of a fiacial trasactio card idicatig what kids of facilities the cardholder may access with the card. SET: Secure Electroic Trasactios. Now beig co-developed by Visa, Microsoft ad MasterCard, this aims to assure complete security to all parties ivolved i trasactios over ope etworks such as the Iteret. settlemet coversio rate: the rate applied to covert a trasactio value from the currecy of deomiatio ito the relevat settlemet currecy. settlemet currecy: the currecy i which settlemet of debts betwee two parties i a paymet system takes place. settlemet date: withi a paymet system, the date of settlemet betwee a acquirer ad a card issuer; for a cardholder the date whe he must settle his accout with the card issuer. settlemet fee: a fee charged by a party i the paymet system for hadlig or processig settlemets. settlemet system: that part of a paymet system which processes ad effects settlemets. sigature pad: a electroic device which captures a digitised image of a perso s sigature to facilitate sigature verificatio electroically. sigature pael: the area of a idetificatio card i which the bearer eters his sigature (defied i ISO 7810). sigature verificatio: checkig a perso s idetity by comparig sigature with a previously supplied specime. To date this has bee doe almost etirely maually, but electroic sigature verificatio systems are begiig to appear. SIM: subscriber idetificatio module. The chip card ecessary for the operatio of GSM phoes. It provides the subscriber s idetity to the etwork operator for billig purposes. skimmig: To copy the magetic stripe ecodig from oe card to the stripe o aother card; also called bit-copyig. A commo type of couterfeit fraud. slip priter: a machie i a EPOS or EFTPOS istallatio which prits out sales vouchers. smart card: see microcomputer card. SNA: see Systems Network Architecture. source autheticatio: proof of the poit of origi or the idetity of the origiator of a message or trasactio i a paymet system. SRAM: see static radom access memory. stad-aloe termial: a electroic paymet termial ot coected o-lie to a computerbased paymet system. static radom access memory: radom access memory which does ot eed to be refreshed o each memory cycle. store-ad-forward: a mode of message hadlig i which o-lie ad off-lie operatio are mixed. Store-ad-forward operatio occurs whe a message caot be trasmitted o-lie immediately to its destiatio but is retaied for trasmissio whe the destiatio system comes o-lie agai. store card: a fiacial trasactio card associated with a retailer or group of retail stores which ca be used oly for purchases from the retailers cocered. stored value card: also kow as a cash card, electroic purse, or prepaid card. A fiacial card used to purchase goods ad services, usually of low cost, that is loaded beforehad with a certai amout of moey. With each purchase, the amout is the deducted from the total o the card. substrate: see polyester lamiate. super-smart card: a smart card icorporatig a key pad ad visual display permittig the user to iteract with processig fuctios withi the card. surcharge: additioal fee charged o a card trasactio by the acceptor to cover the additioal cost of takig a card rather tha cash or cheque. SWIFT: Society for Worldwide Iterbak Fiacial Telecommu-icatio. Commuicatio mechaism owed by over 1,000 baks worldwide ad used to trasmit fuds, trasfer istructios ad admiistrative messages. swipe reader: a magetic stripe reader i which the magetic stripe is read by passig the card maually right through the reader past the magetic heads. SWITCH: a UK domestic debit card ru by a cosortium of UK baks. switchig: establishmet ad disestablishmet of coectios i a commuicatios etwork. sychroous: of data trasmissio, ecoded with digital pulses idicatig the boudaries betwee successive idividual bits. sychroous data etwork: a data commuicatios etwork i which data is trasmitted sychroously o the liks of the etwork. system etwork architecture: a proprietary etwork architecture for IBM computer. systems trace audit umber: a umber which idetifies a traslatio uiquely withi a paymet system. T T=0: character-orieted asychroous half duplex trasmissio protocol used to talk to ICCs. T=1: block-orieted asychroous half duplex trasmissio protocol. T&E card: see travel ad etertaimet card. tamper-proof: made resistat to iterferece. Most electroic paymet termials are tamperproof to some extet. Commo tamper-proofig measures iclude automatic erasure of sesitive iformatio, automatic shutdow ad automatic physical lockig. TBACS: see toke-based access cotrol system. telecommutig: workig as employee from home with computer or termial. telemarketig: sellig goods or services over the phoe by gettig cardholders to quote the idetificatio umber of a fiacial trasactio card to esure paymet. telephoe card/credit card: a card eablig the cardholder to pay for telephoe calls oly. temperature rage: ISO stadard idetificatio cards are supposed to remai structurally reliable ad useable at ambiet temperatures betwee -35 degrees Celsius (defied i ISO 7810). template: a groupig of data objects based upo their locatio withi applicatio structures that gives the cotext withi which the data objects are to be iterpreted. TEPAR: Texaco, Elf, Petrogal, Agip ad Repsol, the cosortium which ows the Europewide fuel card Pa-Diesel. terabyte: a trillio bytes. termial: a device which allows a user to sed data to, receive data from ad ivoke fuctios of a remote computer system. termial access cotrol: measures take to esure that access to termials is obtaied oly by idividuals for whom it is authorised. termial emulatio: makig a microcomputer mimic a termial wired directly to a maiframe, by use of a commuicatios program. termial-residet: of a fuctio i a termial, carried out etirely by processig elemets withi the termial itself. thermal trasfer priter: a priter which forms character images by local heatig of specially sesitised paper. The most commo types of matrix priters work by electrical discharge from wires i the prit head. thickess: the thickess of a ISO stadard fiacial trasactio card should be 0.76mm +/- 0.08mm (defied i ISO 7813). The Iteratioal Smart Card Idustry Guide 1997 / 98

297 Glossary of Terms 297 thi card: low-cost thi-sectio polyester lamiate used to fabricate idetificatio cards which are ot required to comply with the thickess requiremets of ISO third-party processig: processig of trasactios by a party actig uder cotract to card issuers or acquirers. through-the-wall: term used to describe ATM ad ABM machies mouted so that the mechaism is housed withi a buildig but iteractive compoets are publicly accessible from the outside. ticket value: the trasactio value recorded o a sales voucher. tippig: coatig the raised area of a embossed image with ik to make it more easily readable. toke: a object carried out by a idividual as proof of his idetity. It is most ofte a idetificatio card but the term is geeral ad icludes ay device of similar purpose, especially oe used as a form of access cotrol. toke-based access cotrol system: a meas of etwork cotrol whereby a termial ca trasmit oly whe it has received a electroic toke from the etwork. touch scree: a iteractive visual display device which the user iteracts by touchig the scree to select optios from a displayed meu. Touch screes work by sesig the positio of the figer usig ifra-red sesors located i the scree surroud. track 1: the first magetic track o a fiacial trasactio card. It is read-oly ad recorded at 8.3 bpmm (cotets are defied i ISO 7813). track 2: the secod magetic track o a fiacial trasactio card. It is read-oly ad recorded at 3 bpmm (cotets are defied i ISO 7813). track 3: the third magetic track o a fiacial trasactio card. If preset it is read-write ad is recorded at 8.3 bpmm (cotets are defied i ISO 4909). trasactio: a exchage of moey for goods or services; withi a paymet system the totality of data relatig to such a exchage. trasactio cost: ay cost icurred by a party i a paymet system relatig to a trasactio but ot formig part of the value of the trasactio. trasactio currecy: the currecy i which a trasactio is deomiated (compare cardholder billig currecy). trasactio descriptio: data describig a trasactio for billig purposes. trasactio processig: a mode of computer operatio supportig real-time, o-lie processig of trasactios. trasactio processig fee: a fee charged by a party i a paymet system for hadlig or forwardig trasactios. trasactio value: the price of goods or services obtaied i a trasactio. trasmissio date: the time of day at which the details of a trasactio are etered ito a paymet system. trasmissio time: the time of day at which the details of a trasactio are etered ito a paymet system. travel ad etertaimet card (T&E card): a geeral term for fiacial trasactio cards, usually charge cards, used primarily by busiess executives. America Express ad Diers Club cards are ofte referred to as T&E cards because their origial growth was mostly i this market. travel assistace service: whe associated with a fiacial trasactio card, a ehacemet service offerig help i makig travel arragemets ad while travellig. The best kow such services are travellers cheques, reservatio guaratees, lost card replacemet ad emergecy cash services. U uatteded termial: a electroic paymet termial ot atteded by a card acceptor s represetative ad operated by the cardholder (e.g. a ATM). up-lie loadig: loadig of data from a merchat s termial to a acquirer s computer system via a itermediate etwork facility (e.g. to trasmit recociliatio data). UV pritig: pritig with ik which is visible oly uder ultraviolet light as a aticouterfeitig measure. V VCC: the ISO stadard desigatio for the supply voltage to a itegrated circuit card (defied i ISO 7816). very large scale itegratio (VLSI): packig lots of compoets oto a silico chip (Beware the term is used loosely). video bakig: geeric term for o-lie computerised retail bakig. It icludes home bakig, small busiess o-lie bakig ad other retail bakig coducted remotely from computers or termials i offices, hotel rooms, pay phoes ad elsewhere. Virtual Shoppig Mall: a shoppig mall that exists i cyberspace ad gathers together a variety of retailers. Visa: a iteratioal paymet system or orgaisatio cotrolled by its members. VisaNet: a worldwide etwork for data exchage operated by Visa. visual display uit: a computer output device which displays alphaumeric or graphic data to its user o a refreshable image surface (i.e. ot producig hard copy). VLSI: see very large scale itegratio. volatile memory: computer memory which loses its cotets whe exteral power is removed. voucher: see sales voucher. VPP: the stadard desigatio for the programmig voltage iput to a itegrated circuit card (see ISO 7816). W Watermark Magetics: a magetic tape that cotais o-erasable persoalised magetics for idetificatio purposes, hece icreasig the security of magetic media. Watermark plastics: the creatio of images that ca be see visually i a plastic card with the objective of providig additioal security i idetifyig the card relative to its user. Weigad wire: magetic media embedded i cards used for access cotrol applicatios. white plastic: a geeric term for a plastic card used to imitate the fuctios of a geuie charge, credit or debit card. wired logic card: alterative ame for a memory card. word: a character strig or bit strig that is treated as a etity by a computer. World Wide Web: a etwork of itercoected servers (Web sites) o the Iteret, accessed by a browser, e.g. Netscape Navigator. Web pages may cosist of text, graphics, video ad soud. WORM: Write Oce Read May Times. Variatio of CD-ROM. Z zero floor limit: requiremet for all card trasactios to be authorised. zoes: areas of ICC storage desigated for free access, limited access, or o access / 98 The Iteratioal Smart Card Idustry Guide

298 Subscribe to Smart Card News I wish to subscribe to Smart Card News, which will etitle me to buy the Iteratioal Smart Card Idustry Guide at the discout price of 70 q UK 375 q Iteratioal 395 q As a subscriber to Smart Card News I wish to take advatage of your special offer: Please sed me copies of the Iteratioal Smart Card Idustry Guide 1997/8: q subscriber: 70 per copy q o-subscriber: 125 per copy (p&p 15 outside Europe) I would like iformatio about: q SCN Market Research q SCN Website Desig Service Name Positio Compay Address Smart Card News is published mothly, reportig o Smart Card projects from aroud the world, coverig areas as diverse as Fiace, Electroic Purse, Telecommuicatios, Health, Govermet, Mass Trasport, Retail, Security ad the Leisure Idustry. It ejoys a close workig relatioship with all the major Smart Card maufacturers ad ca claim to be the leadig publicatio of its type i the world, reachig subscribers i 62 coutries. I additio to up-to-the-miute stories SCN also publishes special features icludig a Smart Card Tutorial writte by Dr David Everett, the leadig Smart Card Security expert. Telephoe Facsimile q q q Please ivoice my compay Cheque eclosed Visa/Mastercard/Eurocard/Access/Amex Card No. Expiry Date Sigature SCN is available through subscriptio oly ad is read by the high flyers i the techology idustry as well as by professioals with a passig iterest. If you would like to subscribe please complete the form, or a photocopy ad either fax it back to us or retur it i the freepost evelope provided. Please retur to: Smart Card News Ltd. PO BOX 1383, Rottigdea, Brighto, East Sussex BN2 8WX Uited Kigdom or facsimile: + 44 (0) / or Smart Card News carries a ucoditioal refud guaratee. Should you wish to cacel your subscriptio at ay time the we will refud all umailed issues.

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