Proton World and Gemplus announced that the first Proton Prisma
multiple-application smart cards will be supplied by Gemplus.
The new Gemplus card is called GemProton Prisma. It uses JavaCard technology
and is the first smart card to integrate CALC, Proton World’s spearhead
implementation of the forthcoming Open Platform 2.1 specifications. It will
enable issuers in the banking sector to migrate to the new global standards
such as EMV (debit/credit) and CEPS (e-purse) which will enable international
interoperability. It will also be possible to load and remove applications
remotely and in a highly-secure manner after the cards have been issued.
The first batch of GemProton Prisma cards will be supplied to Banksys in
Belgium and Interpay in the Netherlands for use in the pilot implementation of
internationally-interoperable CEPS-compliant e-purses in Belgium, France, the
Netherlands and Spain that was announced at the Proton World Forum in Ghent on
12 September 2000.

Proton Prisma offers a multiple-application smart card platform, with
applications such as domestic e-purse, interoperable CEPS-based e-purse,
EMV-compliant credit/debit, PKI-based authentication and m- & e-commerce

In line with its overall open product strategy, Proton World has made the
Proton Prisma specifications available to other existing certified Proton
third-party manufacturers, and expects other card vendors to follow the lead of

Mr Gilles Michel, Executive Vice-President, Financial Services Business Unit at
Gemplus, said “Gemplus is delighted to position itself on the
multi-applications market with a major player like Proton World, and its
innovative Proton Prisma solution. The development of the GemProton Prisma
completes our JavaCard range with a new generation of multiple-application
smart cards. These cards will facilitate migration to international
interoperability standards and will allow banks to differentiate themselves
from their competitors by offering customised products to their customers.”
Armand Linkens, CEO at Proton World, said ” We very much appreciate the support
of Gemplus in this key development for our product strategy. We are confident
that the CEPS pilot will demonstrate the robustness of CEPS-based systems. Our
existing licensees are also committed to migrate to the Proton Prisma
technology and so we are certain that a significant market will develop for
Proton Prisma-associated products of all sorts.”



Gemplus, the world’s leading provider of smart card-based solutions,
security and wireless applications, and SLP InfoWare, a
global leader in predictive customer relationship management (P-CRM) solutions,
announced at the 3GSM World Congress
their joint development of SIM card-based CRM applications, marking a milestone
in Gemplus’ strategy to leverage the inherent
capabilities of the SIM card as the computing engine within the mobile device.

“The inherently secure and pervasive SIM card with its standard
communication infrastructure is the ideal host for customer
centric applications for mobile telephony and ultimately mobile computing,”
said Dr. Ron Black, vice president and general manager
for Gemplus’ Next Generation Networks Division. “These applications will
deliver fundamental business value for service providers,
while offering utility and privacy for end users.”
The technology extends SLP InfoWare’s P-CRM platform to the SIM card
whereby subscriber profiles are captured in real time
on the mobile device. As thresholds are reached, the P-CRM application sends
alerts over the air to the operator, triggering the
selection of an optimized offer to be sent back to the SIM card and displayed
on the mobile device. The SIM card ensures security
and maintains privacy for the subscriber. Inherent within this framework is the
ability for the user to deactivate or “opt out” of this
service. This technology is already in pilot at a tier one GSM operator.

SLP InfoWare’s P-CRM solution uses real-time subscriber data to proactively
identify end-users likely to churn, or opportunities
to cross-sell and up-sell, then promotes targeted offers that have a high
propensity to be accepted. With its Version 4.0 release, SLP
has added Upsell/CPS(TM) and Cross-Sell/CPS(TM) capabilities that complement
its Churn/CPS(TM) solution. “The enhanced
platform addresses both cost mitigation and revenue generation, maximizing the
value of each subscriber,” explained Jean Schmitt,
CEO of SLP InfoWare.

SLP InfoWare’s automated modeling environment creates predictive knowledge
used to design and optimize campaigns, which
are delivered in real-time to multiple customer touch points, including call
centers and eCare web sites. As subscribers contact the
service provider, they are scored in real time for a dynamic behavioral profile
that is matched with an offer that is most likely to be

“Predictive modeling of customer behavior optimizes customer interaction by
providing subscribers with relevant offers, based on
real time profiling, designed to enhance the customer’s relationship with their
service provider,” said Dr. Wolfgang Martin, a senior
vice president with META Group. “The obvious next step for this state of the
art interaction model is bringing the profiling direct to
the device itself.”

About Gemplus

Gemplus ( is the world’s number one
provider of smart card based solutions for security, wireless and
e-business applications. Offering consulting services, design, software,
hardware, personalization and full implementation, Gemplus
works with its customers around the world to deliver comprehensive, integrated
and tailor-made smart card based systems.
The Group’s customers use Gemplus memory and microprocessor smart cards,
smart contactless cards, electronic tags, smart
objects and magnetic stripe cards to simplify and secure a wide range of
applications. From Web based and mobile commerce to
financial transactions, loyalty, transportation, education healthcare,
identity, pay TV and physical and logical access control, Gemplus
provides intelligent end-to-end solutions that bring security, convenience and
ease-of-use to millions of people worldwide.

Founded in 1988, Gemplus had sales of over 767 millions of Euro ($US 817
million) in 1999, and employs almost 6,300 people in
17 manufacturing facilities, 7 R&D centers and 44 sales and marketing offices
located in more than 37 countries.

About SLP InfoWare

SLP InfoWare (, a Gemplus
company, is a world leader in Predictive Customer Relationship Management
software (P-CRM) for the telecommunications, electronic commerce and mobile
electronic commerce sectors. The SLP InfoWare
P-CRM platform enables marketing professionals to build precise customer
behavior models and to use the analysis to automate
targeted marketing operations, to retain customers and guide one-to-one
marketing actions which personalize offers and product
groups. SLP InfoWare software is used to predict the behavior of over 30
million customers in the United States, Europe, Asia,
Africa and Latin America. Based in Paris, SLP InfoWare also has offices in
Boston, London, Frankfurt and Singapore.


go2 Pilot

go2 Systems Inc., the originator of go2, the first global addressing and locator system designed for the Internet and wireless devices, announced the successful completion of a wireless Point-Of-Sale l-commerce trial demonstrating an entirely wireless order, purchase and payment transaction with a quick-serve restaurant using an Internet-enabled device.

go2’s four-month proof of technology pilot marks the first time a true l-commerce transaction has been completed using an Internet-enabled phone with a brick-and-mortar location.

According to a study released in January 2001 by Strategy Analytics Inc., the demand for mobile commerce services will generate revenues of $230 billion by 2006. go2 is leading the industry with the technology infrastructure necessary to make location commerce possible, from finding and navigating to the store to ordering and paying for the purchase.

L-commerce transactions add significant value to merchants and are expected to create a new medium that will be embraced by retailers, such as quick-serve restaurants, whose revenues are generated by mobile consumers.

“go2’s focus is on the location aspect of mobile commerce and we’ve worked on it aggressively to reach our goal of delivering a better product for users,” said Lee Hancock, founder and president of go2 Systems.

“Adding the ability to make and pay for purchases from a Web-enabled phone closes the loop in the wireless experience, from finding the nearest location and accessing data to customizing options and paying for the order, all through an Internet-enabled device.”

POS Trial Information

go2’s POS l-commerce pilot was conducted with Johnny Rockets, the national fifties-themed relaxed dining restaurant chain, at their store in Long Beach, Calif. go2 designed its POS l-commerce technology to cater to take-out orders where people are most mobile.

go2 seamlessly integrated the restaurant’s menu, options for users’ preferences, up-sells, promotions and means to house credit card and other information to complete the transactions, including sales tax, all through the phone without needing to call the location.

Once the order is placed, payment is processed and availability of items is confirmed, a notification e-mail of activity is sent along with a confirmation number or alias for users to retrieve their order.

The POS l-commerce system uses an always-on Internet connection to permit orders via Web-enabled devices to be received and automatically processed by the merchant. Consumers can then securely pay for the products and services using saved credit card information and other payment alternatives.

go2’s l-commerce software interfaces with existing brick-and-mortars’ POS systems to deliver the specified information provided by the user. At the restaurant, the l-commerce order is processed along with the other orders to provide a quick and easy pick-up solution. For the trial, Nextel equipment was used.

“Nextel supported go2’s l-commerce trial with i1000 plus phones and Nextel Wireless Web service,” said Greg Santoro, vice president Internet and wireless services for Nextel Communications. “Nextel has always been on the forefront of communication innovation and we are excited to be involved with go2’s wireless mobile commerce trial.”

Retailer Advantages

go2’s l-commerce system was designed to impact retailers’ operations by increasing the number and size of transactions during peak hours and provide automatic and customized up-sells and reduce order processing time. go2 expects quick-serve restaurants across the United States to adopt and use this technology.

Coca-Cola signed a five-year agreement with go2 in which Coca-Cola will offer go2’s services to its fountain customers in the quick service and casual restaurant sectors as well as in the convenience and petroleum and theatre verticals.

“go2’s Web-based technology provides a platform from which we are able to assist our food service customers in growing food and beverage category sales through promotion and mobile-commerce,” said Tom Moore, senior vice president and general manager of Coca-Cola Fountain.

go2’s POS technology provides another medium for retailers to reach customers while increasing revenue at peak hours. The POS l-commerce system includes logic that delivers automated up-sells resulting in higher check averages, and assists in the reduction in labor costs.

go2 is featured on virtually all major North American carriers, including Verizon Wireless, Sprint PCS, AT&T, Nextel and Cingular and can be accessed through pager and PDA networks such as Neomar, Omnisky and Palm.

The real-time location and information data for go2’s growing base of blue-chip customers and partners, including major U.S. companies such as worldwide brand Coca-Cola, Jiffy Lube, Ramada, House of Blues, Jamba Juice and Cinnabon, will soon include promotions, coupons and specials designed to save users time and money.

“Johnny Rockets is enthused to work with go2 on this pilot,” said Mike Shumsky, chairman and CEO of Johnny Rockets. “We immediately saw the benefit of having access to the wireless mobile consumer and the value pre-paid transactions bring merchants and consumers.”

About go2 Systems Inc.

A privately held company based in Irvine, Calif., go2(R) launched the first location-based directory available over the wireless Web in December 1999 and today is the most widely distributed location-based directory and information services provider for users of Web-enabled wireless devices.

The company’s patented location referencing technology supports go2’s ability to provide location-based information for more than 16 million real-world locations in the United States and serves as a cross-platform location interface with all Web-enabled wireless systems, applications and devices, including cell phones, PDAs, and pagers.

go2 facilitates navigation and commerce by allowing users to save time and money by finding the closest products and services, wherever they are. Visit [][1] or any of the hundreds of topic- and brand-specific go2 Web sites in the “” format.




A new breed of ATMs has emerged which incorporates a new generation of card payment terminals. The development marks the first time Hypercom has entered into the ATM sector. OH-based Western Reserve Group yesterday unveiled its new ‘Vision 100’ ATM machine which integrates Hypercom’s ‘ePic ICE 6000’ card payment terminal and ‘Visual HDT’ C++-based developer’s software. The new machines will be deployed in late March following a batch of field tests.The new ATM will debut next week at the ‘ATMIA 2001 East Conference’ in Clearwater, FL. The new ‘WRG Vision 100’ ATM machine features a 5.7″, 256-color 1/4 VGA touch-screen graphics display with spill-proof display and keypad. The unit will enable vendors to offer revenue-generating on-screen, digital advertising and interactive electronic coupons, and conduct remote monitoring. Additionally, Hypercom’s VHDT gives software developers the ability to develop or customize applications. Hypercom’s ‘ePic ICE’ devices are high performance, touch screen-based, Internet-enabled card payment terminals and web appliances that incorporate a firewall multi-application operating system, EMV chip card capability, secure PIN pad, built-in HTML/HTTP web browser and integrated receipt printer.


Mellon Voice ATMs

Mellon Bank announced that it has equipped the automated teller machines at 11 Mellon locations in Pittsburgh, Philadelphia, and Harrisburg with voice-guided technology to assist visually impaired customers.

This pilot program establishes Mellon as the first major financial services provider to offer voice-guided technology in Mellon’s retail market area. The voice-guided feature is designed to allow visually impaired customers to insert a conventional set of audio headphones, similar to those used with portable radios and music players, into the ATM. The customer then hears through the earphones private voice instructions on how to conduct basic ATM transactions.

The ATMs at the following Mellon locations have been equipped with voice- guided technology:

Pittsburgh (4 locations):

— Oliver Avenue – downtown, opposite Mellon Square

— Penn Hills – 6125 Saltsburg Road

— Ross Park Mall

— University – Fifth Avenue & Craig Street, Oakland

Harrisburg (1 location):

— Main – 10 S. Market Street

Philadelphia (6 locations):

— Bala Cynwyd – 15 City Line Avenue

— Haddington Mall – 57th and Vine Streets

— Second & Chestnut – 123 Chestnut Street

— Stenton – 6324 Stenton Avenue

— University City – 36th and Walnut Streets

— Eighth and Walnut – 830 Walnut Street

“This technology was designed to allow visually impaired customers who use these ATMs to hear a helpful voice. We hope they also hear the sound of a financial services provider attempting to meet their special needs,” said Paul S. Beideman, executive vice president and head of Mellon Retail Financial Services. “Piloting this first series of talking ATMs in our retail market area reflects our commitment to providing our retail customers with a level of service commensurate with Mellon’s corporate objective of becoming the best performing financial services company.”

“By making it easier to interact with an ATM, voice-guided technology provides an important assist to visually impaired people living independently in our community” said Dr. Richard L. Welsh, president of Pittsburgh Vision Services. “We congratulate Mellon on being the first financial institution in Pennsylvania to provide this service, and we look forward to working with Mellon on ways to make the service as responsive as possible to the needs of visually impaired customers.”

Mellon Financial Corporation (NYSE: MEL) is a global financial services company. Headquartered in Pittsburgh, Mellon is one of the world’s leading providers of asset management, trust, custody and benefits consulting services and offers a comprehensive array of banking services for individuals and corporations. Mellon has $2.8 trillion in assets under management, administration or custody, including $530 billion under management. Its asset management companies include The Dreyfus Corporation and Newton Investment Management Limited (U.K.).


Global Payments & TransFirst

Global Payments Inc., formerly NDC eCommerce, announced that TransFirst has renewed its contract for services. The company will continue to obtain authorization and capture services, voice authorizations, as well as touchtone capture, from Global Payments.

President of TransFirst, Rusty D. Shaffer, said, “Global Payments has provided exceptional front-end services to TransFirst for over four years, helping us to become one of the fastest-growing merchant acquirers in the industry. This agreement shows the confidence we have that our relationship will continue to grow and to flourish in the future as we move into some new areas.” TransFirst, with headquarters in Boulder, Colorado, is one of the premier processors for community banks in the United States. The company prides itself in providing superior customer service to its merchants and bank customers, and is quickly adding new customers through agent bank and ISO channels, as well as through portfolio acquisitions.

“President and CEO of Global Payments, Paul R. Garcia, said, “Our front- end services will continue to enable TransFirst to attract new merchants through our flexible and diverse point-of-sale processing applications offered at competitive prices. Given our ability to provide all the services they need as they grow, we look forward to a long and successful relationship.”

Global Payments Inc. is a leading provider of electronic transaction processing services to merchants, Independent Sales Organizations (ISOs), financial institutions, government agencies and multi-national corporations. Global Payments offers a comprehensive line of payment solutions, including credit and debit cards, business-to-business purchasing cards, gift cards, check guarantee, check verification and recovery, terminal management and funds transfer services.


Royal POS Terminals

Schlumberger Test & Transactions, a business segment of Schlumberger Limited, announced Wednesday that it had been selected by Streamline, part of The Royal Bank of Scotland Group, as one of its core suppliers for point of sale terminals for its UK-merchants. Following an initial pilot, Schlumberger will complement the terminal base of Streamline with MagIC* 6000 smart card-ready POS terminals.

The POS infrastructure will help Streamline take full advantage of the competitive opportunities offered by the new generation of EMV (Europay, Mastercard, Visa)-compatible smart payment cards. Full software compatibility across the MagIC product range makes it an ideal platform for the sustained evolution of new, differentiating services in an increasingly competitive marketplace.

MagIC 6000 terminals are EMVCo Level 2 approved – among the first terminals worldwide to achieve this status – and accept any EMV-compatible smart payment card, as well as traditional magnetic stripe cards.

Project management, technical support and software development teams operate from the Schlumberger UK center in Ferndown, Dorset. “The quality of these specialist skills was of prime importance to the bank. To us, the team behind the product is as important as the product itself,” said Tony Surridge, director of Retailer Card Services for The Royal Bank of Scotland group. “We have been impressed by the quality of the terminal and the commitment from the UK sales and support team. They have delivered and that is very important to a market leading organisation like Streamline.”

“EMV migration is a major strategic milestone for any bank, and our customers deserve tangible proof of our commitment to their marketplace,” said Bertrand Knopf, vice president Schlumberger e-Payment. “Global presence is certainly important, but what our customers really want is expert, reliable, local support. That’s why we’ve invested heavily in building a dedicated technical team for the UK.”

The right terminal infrastructure is widely seen as a critical part of any successful payment strategy. Speed, reliability and ergonomics of terminals are important in shaping attitudes of retailers and customers interfacing with the payment infrastructure. Compact, fast, and friendly MagIC 6000 terminals provide a high level of security, with firewalls and secure application-download facilities. Their extended memory and Secure Application Module capabilities support multiple applications from standard payment cards such as credit/debit and e-purse, to custom services such as loyalty and co-branding.

About Schlumberger

Schlumberger Test & Transactions provides consulting, integration and products for smart card-based transactions, IP (Internet Protocol) network security and wireless services, and for testing and measurement of semiconductor devices. With 2000 revenue of $1.4 billion and over 8000 employees in more than 40 countries, it is a business segment of Schlumberger Limited (NYSE: SLB), a global technology services company with 2000 revenue of $9.6 billion. More information is available at [][1]

About Streamline

Streamline Merchant Services, part of The Royal Bank of Scotland Group, is Europe’s largest card payment acquirer processing over 1 in 3 of all UK card transactions. No one processes more types of major card schemes than Streamline: MasterCard, Maestro, Visa, Visa Debit, Visa Electron, Visa Purchasing, Switch, Solo and JCB as well as many minor schemes. The Royal Bank of Scotland Group is one of the largest in the UK, serving more than 15 million customers.



Dynamic ATMs

The first major Canadian retailer to utilize ATMs with AutoBranch’s ‘Dynamic Branding’ technology is set for deployment next month. AutoBranch Technologies of Toronto, and Charlotte, NC, together with Rogers Video of Richmond, British Columbia, have signed an agreement to launch the ATMs in Rogers Video stores. The AutoBranch technology, developed in Canada, allows multiple financial institutions to share a single network of ATMs while also enabling retailers to use the ATMs as a valuable channel for CRM. Customers will be able to use the ATMs to enroll in the Rogers VIP program, reserve the latest DVD release, and view and pay their Rogers AT&T wireless services bill all via the ATM. And ultimately, each customer with receive unique content based on his or her profile. Rogers will deploy the machines in six locations with plans to take it nationwide across Canada.



Gemplus and SLP InfoWare announced yesterday their joint development of SIM card-based CRM applications. The technology extends SLP InfoWare’s ‘P-CRM’ platform to the SIM card whereby subscriber profiles are captured in real time on the mobile device. As thresholds are reached, the ‘P-CRM’ application sends alerts over the air to the operator, triggering the selection of an optimized offer to be sent back to the SIM card and displayed on the mobile device. Inherent within this framework is the ability for the user to deactivate the service. SLP InfoWare’s ‘P-CRM’ solution also uses real-time subscriber data to proactively identify end-users likely to churn, or opportunities to cross-sell and up-sell, then promotes targeted offers that have a high propensity to be accepted.


Credit Store I-Access

InteliData Technologies Corp. announced that The Credit Store has selected InteliData Card Solutions to support its family of consumer-specific credit card products. The Credit Store, which provides credit cards to consumers who may otherwise fail to qualify for a traditional unsecured bank credit card, is implementing Card Solutions’ Internet Self Service product. With the Internet Self Service product, The Credit Store cardholders will be able to securely view account data, track current and previous account activity, and sort account activity over the Internet. This deal is structured on a transaction-based, recurring revenue stream, further enhancing the rapidly expanding Card Solutions division of InteliData.

Using InteliData’s Card Solutions, The Credit Store will be able to quickly and efficiently implement a completely branded, secure and cost effective solution, providing their cardholders with the technology to review, maintain and manage their accounts using the Internet. The modular structure of the Internet Self Service product also allows card issuers to choose the functionality they want and to easily add on services as needed. Additional services available with the Card Solutions(TM) Internet Self Service product include secure communication with a customer service representative, and the ability to make payments, activate cards and change account profiles online in a real-time environment.

“The credit card industry is constantly changing, and a company like ours needs to provide marketable products in the form of competitive rates, attractive product features and economical servicing capabilities,” said Kevin T. Riordan, President and CEO of The Credit Store. “InteliData Card Solutions gives us this ability, and the product offers the quick time to market and flexibility we need to change as the market changes.”

“By implementing InteliData’s secure, cost effective Internet solutions, The Credit Store will be able to reduce expenses and increase cardholder satisfaction,” said Charles A. White, Vice Chairman of InteliData. “Not only will The Credit Store abate its reliance on traditional customer service processes like call centers, but it will offer customers increased control over managing their credit card accounts.”

About InteliData

InteliData provides Internet banking and Electronic Bill Payment and Presentment (EBPP) technology and services to banks, credit unions, and financial institution processors. InteliData’s EBPP products offer banks and other financial institutions an end-to-end solution for creating e-bills for billers, distributing e-bills and e-payments through multiple delivery channels, delivering e-bills to consumers, and enabling payment of bills through multiple payment processors utilizing the OFX and IFX messaging standards. InteliData’s Internet banking products provide large financial institutions throughout the U.S. with unsurpassed scalability, flexibility and security. InteliData’s Card Solutions(TM) is an innovative program for credit card issuers that enables Internet account management. For more information about InteliData, visit the company’s Web site at [][1] .

About The Credit Store

The Credit Store is a credit card company that offers creditworthy consumers a chance to return to the financial mainstream. It seeks motivated customers who understand and value the advantages of solid credit, but may have lost access to unsecured credit through short-term difficulties, such as illness or job loss. The company obtains customers by acquiring portfolios of non-performing consumer accounts from banks and finance companies. Using sophisticated technology, The Credit Store identifies customers who meet underwriting criteria, providing them with a unique opportunity to settle their accounts by transferring balances onto The Credit Store Visa and MasterCard products. For additional information, please visit [][2].



WU Cash Card

FDC’s Western Union and Metris have teamed to offer co-branded MasterCards. Under terms of yesterday’s five-year agreement, the two companies will promote and distribute the ‘Western Union MasterCard’ cards to 20 million consumers beginning in the second quarter. Card applications will also be available at participating Western Union agent locations throughout the USA and on the company’s Web site, later this year.



First Data Corp confirmed Wednesday it has acquired a majority equity interest in TASQ Technology. Under this agreement, FDC will combine TASQ with First Data Merchant Services’ POS deployment operations. TASQ’s current senior management team will oversee the operations of the new entity that will be headquartered in Sacramento, CA, and will retain the TASQ name. Ron Chaisson is the founder and CEO of TASQ. The deal should close by the end of March. The new combined entity will provide POS enablement services through geographically dispersed service centers on both the east and west coasts. Revenues for TASQ in 2000 were approximately $92 million.