Oberthur Card Systems announced the $3.3 million acquisition of the remaining 50 percent of Rapsodia Software from French customer relationship management specialist, Prosodie.

Rapsodia Software, set up in May 1999 as a joint venture between the two companies, will become a fully integrated business division of Oberthur Card Systems under the management of Olivier Leroux its current managing director. The software is a critical part of the smart card leader’s full range of value-added services it provides its global customer base.

“We set our sights a while ago on making the shift from being a ‘smart card provider’ to working with our customers to provide them with a complete end-to-end solution,” noted Thomas Savare, chief executive officer of Oberthur Card Systems. “This acquisition consolidates this shift; we have acquired a technology expertise that is key to our chip card solution offer.”

Rapsodia Software operates within the wireless industry to provide innovative software platforms for mobile value-added services. Headquartered near Paris in Boulogne Billancourt, Rapsodia also has an office in Hong Kong, a headcount of approximately 50 people and generated revenues of $3.2 million in 2000 (compared to $1 million in 1999).

Rapsodia Software has delivered wireless software (SIMphonIC platform) to 20 customers in Europe and Asia, most notably a multi-application GSM portal to Philippine-based operator Smart Communication for which it was awarded the GSM Association title of ‘The Most Innovative Wireless GSM Service for Customers’. As the leader of solutions for the remote management of interoperable open platform cards, Rapsodia Software helps customers generate new revenue streams and increase market penetration.

Following the acquisition of card management specialist, Smart Cards International in 2000 and the creation of its consulting arm, Oberthur Advise, earlier this year, this latest investment by Oberthur Card Systems strengthens its leading position as the solutions and services provider in the smart card market.


This agreement does not end the strong business relationship established between Rapsodia and Prosodie who will continue to offer solutions based upon Rapsodia’s technology. The collaboration between the two companies has been further reinforced by the signing of a distribution contract allowing Prosodie to offer Rapsodia’s solutions to mobile operators.

The acquisition of Rapsodia was completed on July 23, 2001.

About Oberthur Card Systems

Oberthur Card Systems (Paris Stock Exchange – Code SICOVAM 12413), a global leader and the innovator in the smart card industry, is shaping the future by offering the ultimate in SIM, WAP, 3G (IMT-2000/UMTS), e-wallet technologies & Internet-based card management services coupled with a firm commitment to open standards.

Championing EMV migration, Oberthur is the world’s #1 supplier of MasterCard and Visa cards, #1 in banking, e-commerce, m-commerce and pay-TV, Oberthur is also the #1 in JavaTM and GSM technologies.

Oberthur Card Systems has an international reach ensured by 30 sales offices and 20 manufacturing sites across the five continents. Oberthur Card Systems had sales of 451.1 million Euros in 2000.

SIMphonIC 3G Card

Oberthur Card Systems, a global leader and innovator in the smart card industry, confirmed Wednesday the forthcoming launch of its USIM (Universal SIM) card product, SIMphonIC 3G.

SIMphonIC 3G is the first Java based multi-standard, multi-application card, which embraces all the 3rd generation technology standards as determined by the ITU(a), under the UMTS/IMT-2000 banner.

Traditionally, SIM cards enable access to a single network; the SIMphonIC 3G will offer true global roaming and multiple network access around the World as well as enabling multi-standard inter-operability.

With 3rd generation networks going live as early as 2001 in Japan and Spain, the world of wireless multi-media and Internet connection at speeds of up to 400kb per second (equivalent to those of ADSL(b) today) is fast approaching. Providing secure access to any variation of voice, text, data and video, the SIMphonIC 3G enables the user to e-mail, shop, bank, play games and download music and video to any wireless terminal: mobile phone, camera, PDA, music players or even game consoles.

SIMphonIC 3G also enables backwards compatibility with current GSM technologies ensuring operators a smooth migration path to 3G. Stephane Mousse, Head of Marketing for Mobile Communications at Oberthur Card Systems said, “SIMphonIC 3G, the first ever Java USIM card, has been designed to help operators launch innovative multimedia services based on a real business case with secure access to and payment of content on many new devices.”

Mousse added, “an aggressive rollout of SIMphonIC 3G is essential — operators need to move quickly with their 3G offers in order to gain a fast return on the investment made in 3G licensing.”

To meet the needs of the world’s first UMTS network operators, Oberthur has opened an office in Japan to offer local support and development. Any type of application can be developed for the card. With its large 64K capacity, the multi-application capability of Oberthur’s SIMphonIC 3G card allows the housing of telecommunication and non-telecommunication applications alongside the USAT (Universal SIM Application Toolkit). These applications can run simultaneously. For example, an EMV debit/credit function and an e-purse application could be included which would allow the online `topping-up’ through a 3G network of the e-purse directly from the user’s bank account — this one simple transaction runs three applications at the same time.

SIMphonIC 3G incorporates the ultimate in security features including RSA Cryptography(c) and Common Criteria EAL4+ evaluation, which is currently the only internationally recognized set of security features.

Since Oberthur Card Systems first introduced Java onto the SIM card with the launch of its award-winning SIMphonIC card, Java has been adopted as the industry-wide standard for mobile telephony and Internet technology. A “Java chain” is beginning to emerge as many operators, banks and other card service providers now use Java to develop their applications.

This chain allows operators to customize and define a full solution from the content, the server and to the mobile handset using Java at every level. The smart card is the key for storing all security features and so ultimately provides the key for accessing all services.

The SIMphonIC 3G is the latest in a long list of `firsts’ for Oberthur and confirms the company’s open architecture vision. Having brought the WIM (WAP Identity Module) and the SWIM (combined SIM toolkit and WAP) card to the market first, Oberthur Card Systems takes the next step with the imminent launch of the USIM offer.

Oberthur Card Systems will be exhibiting at Cartes 2000, CNIT Paris la Defense — France (October 24-26, 2000).

64K Card

Oberthur Card Systems launched the world’s first fully standardized 64K, RSA-enabled, Java-based ‘SIM Toolkit’ card. The ‘SIMphonIC SWIM’ card is the first on the market to bring together both the WIM and SIM Toolkit functions on one card. Developed with Infineon Technologies, ‘SIMphonIC SWIM’s’ RSA capabilities and memory size facilitate and support high-level security systems including PKI. The ‘SIMphonIC SWIM’ also supports simultaneous SAT & WIM hosting due to its 64K EEPROM user memory. ‘SIMphonIC SWIM’ is compliant with the ‘ETSI 11.11’ and ‘11.14’ specifications and is based upon the latest model in Infineon Technology’s 66Plus controllers’ family.

Oberthur Macau

Oberthur Card Systems, one of the world?s leading suppliers of smart cards, Visa & MasterCard cards, announced last week its success in winning a contract to supply Companhia de Telecomunicações de Macau S.A.R.L (CTM) with SIMphonIC 32K cards for use in Macau Special Administrative Region of China.

In a record 3-month application development project – from inception to launch – Oberthur has delivered the first SIM toolkit and Mobile Banking application in Macau. Oberthur?s award-winning SIMphonIC card is the world?s first Java-powered SIM Toolkit card and the first in the market to comply with the industry recognized standards. By using the large capacity and efficient memory allocation provided by the 32K version tailored specifically to CTM, multi-applications and value-added services including mobile banking, wireless information, stock and margin trading services can be delivered securely to subscribers? mobile phones.

Oberthur?s card solution will enable CTM?s partnering banks to link a full portfolio of banking services to their customers in Macau.

This contract highlights Oberthur?s lead in introducing new mobile commerce initiatives to the Asian market, which has become the largest growth market for mobile commerce with mobile subscriptions reaching over 100 million users. It is the latest in a series of successful launches in the region including:

· Mobile banking and stock trading services through Cable & Wireless HKT,

· Mobile betting services with the Hong Kong Jockey Club,

· Mobile stock trading in Taiwan through WAYIA,

· ?Information on demand? service in Singapore through Mobile One.

Oberthur Card Systems? General Manager in Hong Kong and Macau, Euan Tennant said, ?Thanks to Oberthur?s expertise in providing innovative mobile banking solutions, subscribers in China are now being offered the most sophisticated smart card technology available. This contract with CTM is testament to Oberthur?s position as the leading authority in mobile commerce and mobile banking and further strengthens our growing presence in Asia. The experience we have through setting up similar projects in Hong Kong ensures that Oberthur Card Systems is the only partner to offer tailor-made mobile banking solutions that could be delivered to market quickly and efficiently.?

About Oberthur Card Systems:

Oberthur Card Systems (Code SICOVAM 12413) is a global leader in the area of smart cards, specializing in the design and production of solutions based on microprocessor cards (smart cards), memory and magnetic stripe cards, as well as associated services: Personalization and Card Management. Oberthur has a large portfolio of products and offers solutions in the areas of banking, pay TV, mobile telecommunications, electronic commerce, security, health care, and transportation.

Number one supplier of VISA and MasterCard cards in the world, the company is also world leader in the development and marketing of solutions for mobile and electronic commerce. It is also the first global supplier of cards for pay TV. Firmly committed to open standards, Oberthur backs Java Card, Open Platform, MULTOS and Windows for Smart Cards, and it is the first supplier of Java cards.

Oberthur Card Systems employs more than 3,000 people worldwide. The international reach of Oberthur is ensured through 30 sales offices and 13 manufacturing sites around the world.

Internet sites: [http://www.oberthurusa.com][1] ; [http://www.oberthurcs.com][2]

About Companhia de Telecomunicações de Macau

Companhia de Telecomunicações de Macau S.A.R.L. (CTM) is a leading telecom operator in Macau and offers a full span of high-quality telecom services at competitive prices. Its comprehensive scope of services covers fixed telephone and mobile phone services, IDD and prepaid calling card services, Internet, e-commerce, on-line shopping, and many others. As an innovative company, CTM commits new investments on a continuous basis to improve the telecom infrastructure of Macau and meet the ever-changing demand of the local population for advanced communications services.

[1]: http://www.oberthurusa.com/
[2]: http://www.oberthurcs.com/

Oberthur & MasterCard

Oberthur Card Systems announced Wednesday it will support the entire family of MasterCard payment products, including ‘MasterCard Credit’ and ‘Debit’, ‘Maestro’, ‘Mondex’ and ‘M/Chip’, MasterCard’s chip-based integrated credit/debit application in mobile commerce. Under terms of the joint marketing and development agreement, Oberthur will enhance its ‘SIMphonIC’ and ‘ConnectIC’ card products to enable acceptance of MasterCard payment products.The agreement also includes provisions to support mobile commerce pilots in more than seven countries to demonstrate the ease, flexibility and security of mobile transactions. ‘ConnectIC’ is the world’s first ‘Wireless Application Protocol’ enabled smart card. ‘SIMphonIC’ is the most standardized ‘SIM Application Toolkit’ card on the market.

Smart Mobile E-Commerce

Oberthur Card Systems will announce this morning the launch of Version 2 of its new Java-based ‘SIMphonIC Mini-Browser’, which enables mobile phone operators to make card modifications either “Over-The-Air”, transferring updates or changes via ‘SMS’ to the ‘SIM’ card, or at a point-of-sale terminal. Until now, card users have only been able to delete the last applet downloaded to the card. With ‘V2’, operators now have the ability to add, remove and list the card status with no interruption to normal GSM operation. Using the ‘Wireless Internet Gateway’, GSM mobile users can gain access to interactive web applications via their phone’s display. Written in HTML or WML, these applications can be stored on any www server. When users request a service, the gateway fetches the relevant application from the content provider, transforming the HTML/WML script into bit code. This is then received by the mobile phone’s SIM and is translated by the ‘SIMphonIC Browser’ into ‘SIM Toolkit’ commands. The users can then respond via their keypad, their responses being relayed back to the content provider’s server via the SIM. For operators, this opens the way to true wireless electronic commerce. With the ‘Mini-Browser’, mobile handset users will be able to make electronic payments, reserve and purchase tickets and undertake any number of other transactions.

Oberthur Wins Sesames Awards

Oberthur Card Systems, a global leader in the development and delivery of electronic and mobile commerce solutions, was honored this year with two Sesames at Cartes 99.

The Sesames are the international smart card industry’s awards for innovation.

Initially winning an award for best GSM application, Oberthur Card Systems’ Mobile Commerce SIMphoniC was subsequently recognized for best overall application in a competition among five other sector award winners.

Oberthur’s Mobile Commerce SIMphoniC Application creates a new payment method for France Telecom Mobile subscribers by allowing them to securely purchase goods and services with the Motorola StarTac D mobile phone and GIE Cartes Bancaires credit card via the GSM network.

The Sesames 99 marks the fourth year of the smart card industry’s genuine innovation awards. Open to manufacturers, developers, integrators and users of smart cards, this year’s awards attracted 58 entries from 12 countries, including Austria, Brazil, Finland, France, Germany, Korea, Spain, Switzerland, The Netherlands, the United Kingdom and the United States.

An international panel composed of renowned trade journalists and market experts at Cartes 99 awarded trophies across six application categories, including: transportation, banking, finance, GSM, e-commerce and healthcare. Oberthur Card Systems won the award for the best application across all categories.

Thomas Savare, Oberthur Card Systems’ chief operating officer, said: “We are delighted to receive this prestigious award for Mobile Commerce SIMphoniC. This not only signifies a key milestone in the development of the mobile commerce industry, but also confirms our commitment to standards and firmly establishes Oberthur Card Systems as the leading innovator in this rapidly expanding marketplace.”

Oberthur Card Systems

Formed in October 1999, from the merger of industry leaders Oberthur Smart Cards and De La Rue Card Systems, Oberthur Card Systems is a company with an enviable heritage that is focused firmly on the future.

With a portfolio that ranges from magnetic stripe cards to the most advanced smart card based solutions for banking, telecommunications, transit and commerce, Oberthur Card Systems already has a strong business foundation. It is the world’s No. 1 supplier of VISA and MasterCard cards, and a global leader in the development and delivery of electronic and mobile commerce solutions.

It is also the No. 1 global supplier of Pay-TV smart cards. Committed to open standards, the company supports Java Card, the Visa Open Platform, MULTOS and Microsoft Windows Card.

With a projected annual revenue of $350 million in 1999, Oberthur Card Systems has an established international base of 3,000 employees located around the globe. The new company is wholly owned by Francois-Charles Oberthur Fiduciaire, which is the largest instant lottery producer and one of the top security printers of bank notes, passports and identity cards worldwide.

Mobile Banking Pilots

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

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

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

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

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

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

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

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

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

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

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

Didier Quillot, Sales Director of France Telecom

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

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

Christophe Dolique, Business Director GSM, De La Rue

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

Joachim Hoffmann, Director – Mobile Commerce

Business, Motorola Cellular Subscriber Group, EMEA,

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



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

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


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

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


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


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

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

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


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

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

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

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


Hewlett-Packard Co. and its VeriFone division have teamed up with De La Rue to provide a modular solution that will enable the development and secure delivery of expansive electronic commerce services to consumers’ GSM phones. The ‘VeriSmart GSM’ solution, intends to provide technology that starts by enabling easy-to-use, information services such as news, weather and stock quotes, and can evolve to adopt such services as mobile stored value loading, mobile purchasing and full mobile commerce over the Internet. HP said it plans to implement the ‘VeriSmart GSM’ solution to mobile operators around the world, and that it sees a tight integration between ‘VeriSmart GSM’ and HP’s existing customer-care and billing systems through HP’s mobile partners that will allow consumers to conduct over-the-air provisioning of services and payment.

Mobile Product Award

De La Rue, Motorola and Logica’s end to end mobile commerce solution won the Financial Times 1998 Global Telecommunications Award for most innovative mobile product.

The award winning mobile commerce solution comprises of the world’s first dual slot GSM Cellular Phone from Motorola, De La Rue’s SIMphonIC Java powered SIM toolkit smart card and Logica’s m-Commerce(TM) server (1).  The solution will revolutionize consumer ‘lifestyles’ enabling consumers to receive information services, make purchases and download e-cash securely, while on the move.  These services are potentially available to consumers in any of the 100 countries around the world with a GSM mobile phone network.

“We are most honored to receive such a prestigious award,” says Kevin Duffey, group telecommunications director at Logica.  “It reinforces Logica’s commitment to driving the future of mobile commerce and in our prediction that by December 2001, over 6.2 million Americans could be spending over $5.1bn per year via mobile commerce.  The Logica m-Commerce(TM) server software will help make this forecast a reality by allowing any mobile phone to link to any bank or retailer’s information systems.”

“We are delighted that this mobile commerce solution has been recognized as the most innovative mobile product,” says Paul Goode, Business Development Manager, De La Rue Card Systems.  “The award signifies a key milestone in the development of mobile commerce as a real business and consumer proposition where smart card phones will be a vital business and leisure tool for the Millennium.”

“The award positions De La Rue as the leading force in smart card innovation and with its heritage and expertise in both the banking and GSM markets, De La Rue is making  mobile commerce a reality today, bringing greater opportunities, more freedom and greater lifestyle flexibility than ever before imagined.”

Joachim Hoffmann, Director, Mobile Commerce Business, Motorola Cellular Subscriber Group, EMEA, commented: “This award is recognition of the role that mobile commerce will play in the future of communications — and, once again, Motorola is leading the field.  We believe that personal access to smart card services is the key that will ignite the market.  We will continue to develop and deliver solutions, with our partners, to enable a smart future — one fuelled by electronic transactions and driven by user convenience.”

De La Rue, Motorola and Logica are all members of the Global Mobile Commerce Forum — a consortium of over 85 companies from 17 countries working together to deliver the benefits of mobile commerce to consumers worldwide.

About Logica

Logica is a leading provider of business engineered, content-rich solutions primarily for the Energy & Utilities, Telecommunications, Financial Services and Automotive markets.  The company’s expertise is in systems integration, consulting, products and core process out-tasking/applications management.  In collaboration with its partners around the world, Logica helps its clients achieve sustainable, profitable growth, by maximizing the value of their core assets.  Logica’s success is driven by its people, and is delivered through focused industry, process and application expertise enabled by technology.  The company offers its products and services through innovative, flexible business partnerships and measures its success by the impact it has on its clients’ results.

With its North American headquarters in Lexington, MA, Logica has over 850 staff based in North America and offices in Atlanta, Dearborn, Denver, Fort Lauderdale, Houston, Pittsburgh, New Jersey, New York, Oakland, Orlando, San Francisco, St. Louis, Toronto, Washington D.C., and Williamsburg.

Logica plc was founded in London in 1969 and now has offices in 23 countries and over 7,000 employees worldwide.  Today Logica is a leading international computer consultancy, systems integration and software company with clients across diverse markets including finance, telecommunications, energy and utilities, industry, government, defense, transport and space. For the fiscal year ended June 1998, Logica’s revenue was $790 million (473 million pounds sterling).  Logica’s home page can be found at .

About De La Rue

De La Rue Card Systems — part of De La Rue the ‘cash to cards’ group whose 1998 annual turnover was 790.2M pounds — supplies almost 500 million magnetic stripe and microprocessor based smart cards each year.  The world’s leading supplier of VISA and MasterCard products, it specializes in third party card integration and customer solutions for banking, telecoms, PayTV, retail, transport, health and identification markets.  Offering total end-to-end solutions for electronic commerce applications, it also holds manufacturing licenses from Europay, Mondex, Diners Club, APACS (UK Banks), GIE Cartes Bancaires (French Banks), American Express and others.  Its vision is that ‘by 2005, 10% of the world’s population will possess a De La Rue smart card.’

About Motorola

Motorola Cellular Subscriber Group is one of the world’s leading manufacturers of cellular telephones, producing a comprehensive range of cellular subscriber equipment for all the world’s leading cellular standards including NMT, TACS, ETACS, GSM, DCS 1800, TDMA, CDMA and AMPS.  It supplies a complete range of wearable, pocket, mobile, handportable and transportable cellular telephones for analogue and digital cellular systems.

(1) The Logica m-Commerce server(TM) is built on Postilion from Mosaic Software.