MasterCard International released four new ‘MULTOS’-based smart card applications Wednesday designed for the corporate and government market. MasterCard’s members will, for a limited time, be granted exclusive access to the new ‘MULTOS’-based applications, which provide network security, biometric authentication and physical access. Since all the applications may reside on single card it marks the world’s first installation of four unique applications on a single ‘MULTOS’ smart card. VA-based Logicon, Inc. developed three of the ‘MULTOS’ smart card applications to allow corporations and government agencies to strengthen computer, network, and web site security using a smart card. Logicon has also developed an asset tracking application to help large companies track and manage corporate property used by employees. Separately MAOSCO announced Wednesday there are currently 30 implementations of ‘MULTOS’ cards worldwide and there are commitments to-date of 14 million ‘MULTOS’ smart cards.


PVS Net v.2

ProCard, Inc. Wednesday announced the release of the most advanced Interned based commercial card management application in the market, PVS Net version 2. ProCard pioneered the first Internet based purchasing card management application when it launched PVS Net in 1997. PVS Net offers private and public sector clients a complete array of features necessary to support their credit card purchasing programs. PVS Net now provides hundreds of clients this online tool to monitor, manage and report on credit card purchasing activity.

Today’s announcement clearly positions ProCard as the commercial card industry’s leading technology provider. By focusing on both procurement and travel, ProCard is demonstrating its commitment to the Internet as a key strategic direction. Two features available immediately highlight this commitment. One allows immediate compatibility with Quicken ExpensAble, the world’s leading travel expense management software. The second expands client purchasing card capabilities to include automated cost allocation, a feature that promises to revolutionize the way organizations utilize Internet business applications.

Travelers can gain immediate benefits from today’s announcement by using PVS Net v.2 in conjunction with Quicken ExpensAble from On The Go Software to pre-populate their expense envelopes quickly and easily using PVS Net v.2’s unique offline data delivery option. Now, for the first time, organizations can support both their purchasing and travel technology needs through a single Internet portal.

ProCard clients will also get immediate benefit from PVS Net v.2’s new ability to automatically categorize transactions by expense type. Each expense type can then be associated with a unique client account code that enables the transaction to be merged electronically into the client’s general ledger system. Clients will have the ability to maintain their own general ledger values within PVS Net v.2.

“We believe that Internet based commercial card systems will be the ultimate technical solution for commercial card programs,” said D. Dale Browning, CEO of ProCard. “With the rollout of PVS Net v.2, we are beginning an evolutionary strategy to close the gap between our Internet offerings and the broad functionality available on our client server platform. However, we believe that there will continue to be a demand for various technical solutions which include client server and Intranet offerings in addition to Internet.”

ProCard also announced that within 60 days it will offer several new and exciting features for the first time ever on an Internet application. Custom Mappers can completely automate general ledger updating, saving organizations thousands of dollars per month in manual key entry tasks. Other new features coming to PVS Net include standardized statements, general ledger reports, and a new Query Library that allows users to store commonly used queries into a user library. PVS Net v.2 is also expanding its data archiving capabilities from 6 months to 13 months making annual reporting a realistic Internet feature for the first time.

“These new features will increase the value of PVS Net immensely,” said Cindy Meyer of Bank One. “We think more of our customers will seriously consider making PVS Net v.2 their technology choice for commercial card reporting.”

Currently, ProCard offers PVS Net to private and public sector clients through most of the largest commercial banks in the United States and Canada. These banks offer their customer a package consisting of ProCard’s commercial card management technology and services with a bank issued purchasing, travel or fleet card. ProCard supports Visa or MasterCard branded products or other proprietary card types.

ProCard, based in Golden, Colorado, provides commercial card management technology and services to financial institutions offering Visa or MasterCard branded products. These institutions then sub-license the technology to their clients. Nearly three quarters of North American banks actively participating in this market have installed ProCard technology at hundreds of their client sites.


Smart Cards & Fraud

Smart cards have dramatically reduced bank card fraud in France according to figures released Wednesday by the French bank card group, Groupement Cartes Bancaires. GCB says card fraud has been reduced ten-fold during the 10 years since the introduction of the smart cards as a replacement to the mag stripe cards in France. In 1988 the fraud rate stood at 18 basis points of volume. Last year bank card fraud stood at 1.8 basis points of volume. GCB also pointed out that during this same period, the number of transactions nearly tripled, from 1.2 billion in 1988 to 3.1 billion last year.


MBNA Roberto Clemente Card

MBNA America Bank, N.A., announced that it has received the endorsement of the legendary Pittsburgh Pirate Roberto Clemente’s 21 IN RIGHT organization to issue credit cards to its members.

MBNA now has the endorsement of 17 Major League Baseball teams and is the Official Credit Card Issuer of Major League Baseball. Nearly 900,000 MBNA Customers carry a credit card endorsed by Major League Baseball or one of its teams.

The endorsement of Roberto Clemente’s 21 IN RIGHT represents an important addition to MBNA’s growing list of sports organizations. Among the endorsements received by MBNA are Major League Baseball, the National Football League, the National Hockey League, and the National Association of Stock Car Racing (NASCAR).

MBNA Corporation (NYSE: KRB), a bank holding company and parent of MBNA America, N.A., a national bank, has $62.1 billion in managed loans. MBNA, the largest independent credit card lender in the world, also provides retail deposit, consumer loan, and insurance products.


Super Smart Card

Polaroid and Atmel Corporation announced Tuesday, at the CardTech/SecureTech Conference, that they will be demonstrating a revolutionary secure identity card application that merges the fields of ultra secure smart cards, fingerprint verification, card printing, biometric identification and digital imaging.

The demonstration shows how digital imaging and secure smart card technology are being used to create ultra secure ID cards that include biometric identification (a fingerprint), as well as photo ID and other information. Anyone who wants to participate in the demonstration may enroll at Polaroid’s Booth 466. There they will receive a photo printed ID card that includes a digitized version of his/her fingerprint stored in the smart card’s memory. The card holder may then proceed to Atmel Booth 546 where he/she will be asked to insert the smart ID card and have their actual fingerprint read using Polaroid’s PFS-100 fingerprint imaging system jointly developed by Polaroid and Atmel. The PFS-100 system compares the card holder’s actual fingerprint against the fingerprint stored in the smart card to verify the holder’s identify. Cardholders whose identities are verified against their cards will receive a gift. Show attendees are encouraged to test the system by using other people’s cards, as well as their own.

Biometric identification, such as that provided by finger images or facial recognition software, is virtually infallible because the cardholder’s ID is tied to his/her unique physical characteristics. The information stored on the card is protected by circuits inside the cards themselves that perform encryption/decryption of the data on the card. The tiny smart card circuits in Polaroid’s ID cards are actually integrated circuits, called smart card ICs, supplied by Atmel Corporation.

Atmel’s smart card ICs are acknowledged to be some of the most secure designs available in today’s market with the ability to perform critical encryption/decryption tasks within the card and able to securely identify the system or person reading the card, thereby virtually guaranteeing that sensitive personal information will never be written to or leave the card undetected or without authorization. This system is ideal for driver’s licenses and other forms of identification.

Philip J. Scarfo, Vice President of Polaroid’s Biometrics Systems said, “We all use cards for identification. The drivers’ license has been the core of most identification systems worldwide for decades. The security requirements of the future require a much higher level of physical verification and attention to increasingly sophisticated fraud and electronic ‘hacking’. Smart ID cards provide this ultra high level of security in the familiar ID card format everyone is used to.

“Polaroid leads the secure identification market, currently producing digital driver’s licenses in California, Texas, Georgia and West Virginia in the U.S., and internationally providing identification documents for governments in more than 60 countries including Brazil, the United Kingdom, the Philippines, Russia and China. Collectively, our systems worldwide currently hold more than 250 million image and fingerprint records –arguably more than the FBI.

“The newest biometric smart ID cards from Polaroid and Atmel provide significantly greater ID security at a very low cost. We expect the biometric IDs to become a world wide ID standard in the next few years. “Scarfo concluded.

Alex Giakoumis, Senior Adviser to Atmel commented, “Frost and Sullivan estimates that the market potential for smart ID cards alone is estimated by analysts to easily exceed $1 billion by 2003.

“We’ve all heard stories about underage kids getting fake IDs,” Giakoumis noted. “Smart ID cards can absolutely prevent this problem. However, the real issue relating to personal identification in today’s society are identity theft, check fraud, and internet e-commerce fraud. To solve these problems, the public and authorities need to be able to spot counterfeit identities quickly and cheaply. Individuals equally need to be able to protect their privacy and identity. The secure ID solutions we are demonstrating today that use secure data in conjunction with digital imaging and biometrics provide the absolute security required in today’s environment.”

The CardTech/SecureTech conference is being held in Chicago, Illinois, at the Chicago Convention Center, in McCormick Place South. Atmel is located in Booth 546 and Polaroid is located in Booth 466.

Founded in 1984, Atmel Corporation is headquartered in San Jose, California with principal manufacturing facilities in Colorado Springs, Colorado, Nantes and Rousset, France and Heilbronn, Germany. Atmel designs, manufactures and markets on a worldwide basis advanced logic, mixed-signal, nonvolatile memory, and RF semiconductors. Atmel is also a leading provider of system level integration semiconductor solutions using advanced CMOS, BiCMOS, BiPolar and SiGe process technologies.

The new AT88SC1608 smart card IC provides 17,408 bits of serial EEPROM memory organized into nine zones – eight user zones and one configuration zone. The device is optimized as a secure memory system for the smart card market. It provides secure identification without the need for a microprocessor. The chip includes 64-bit authentication, eight sets of passwords and both authentication and password attempts counters.

Polaroid Corporation, with annual sales of more than $1.8 billion in 1998, is the worldwide leader in instant imaging. Polaroid supplies instant photographic cameras and films; digital imaging hardware, software and media; secure identification systems; graphics imaging systems; sunglasses and polarizers to markets worldwide.


Dilbert VISA

NextCard and United Media announced a joint Internet marketing agreement this morning to offer co-branded products and card services for ‘DILBERT’, the icon of American corporate culture. NextCard and United Media will collaborate to create the ‘DILBERT VISA’. NextCard, the “First True Internet VISA” says it has generated 1.7 million online applications for its card products since December 1997. NextCard is in its second year of advertising on CardWeb’s online consumer channels.


UbiQ & VISA Open Platform

UbiQ Incorporated announced an integrated set of personalization applications for card issuers and service bureaus for the issuance of smart cards compliant with the Open Platform(TM) standard developed by Visa. The applications are based on a patented technology developed by UbiQ to provide card personalization solutions that provide maximum capability and flexibility at minimum cost.

The UbiQPersoMaster application suite allows Open Platform card issuers to plan new smart card programs and associated personalization processing, prepare personalization data (compliant with Visa’s recommended Personalization Preparation Process), manage security keys for multiple applications, and personalize smart cards. The set of applications supports numerous financial smart card programs, including Visa Cash DES, Visa Cash RSA, and Visa Smart Debit/Smart Credit, and can be quickly configured to support proprietary applications.

“UbiQ’s products greatly complement the Open Platform,” said David R. Tushie, president of UbiQ. “While the Open Platform provides the card issuer an open environment for selection of card manufacturers and applications, UbiQPersoMaster provides the issuer with an open environment for selection of personalization devices, applications, secure key management schemes, and data management options. When combined, Visa Open Platform and UbiQ’s industry leading software provide card issuers and service bureaus with superior solutions and the ability to move quickly in a rapidly changing market.”

About UbiQ Inc.

Founded in 1994, UbiQ Inc. ( is a rapidly growing, privately held software firm based in Minneapolis, Minnesota, that has developed proprietary, patented technology for high-volume smart card personalization. UbiQ’s mission is to be the highest value integrator in the smart card issuance process, reducing the time and cost necessary for secure, faultless “mass” card issuance. The company markets its products in 80 countries worldwide to smart card issuers including Visa and MasterCard member institutions. Other customers and partnerships include card service bureaus, smart card manufacturers, and card personalization and printing equipment manufacturers. Target markets for UbiQ’s software include Internet and electronic commerce, financial services, secure networks, travel and entertainment, stored-value cards, pay phone, digital wireless and GSM, national ID cards, and healthcare.

About Visa Open Platform

Open Platform is a comprehensive system architecture designed by Visa that enables fast and easy development of globally interoperable smart card applications. It offers card issuers secure, flexible control and management of dynamic, multifunction smart cards. This non-proprietary platform leverages best-of-breed technology, such as JavaCard from Sun Microsytems [Nasdaq: SUNW] and SmartCards for Windows from Microsoft [Nasdaq: MSFT]. Further information is available at

A U.S. Patent has been issued and others are pending for UbiQ’s software solutions. UbiQ(R) is a registered trademark of UbiQ Incorporated and UbiQPersoMaster(TM) is a trademark. Visa and Open Platform are trademarks of Visa. Other names or trademarks used herein are the property of their respective owners.


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BioSmart Card

CA-based Biometric Identification, Inc. and Gemplus will unveil this morning, in Chicago, the industry’s first contactless smart card fingerprint authentication system. Developed under the name ‘BioSMART’, the new biometric smart card provides a portable personal identification system, ideal for applications where cardholders travel between multiple secure facilities in a one location or around the world. The card also helps to reduce administrative costs associated with managing large biometric template databases. The card is available now in limited quantities for testing and evaluation, and is expected to ship worldwide in August.


10 Million Contactless Cards

Gemplus announced the delivery of its 10 millionth contactless card yesterday. Gemplus presented the card to Cubic Transportation Systems for use in the Chicago Transit Authority during a luncheon Tuesday at the CardTech/SecurTech Conference in Chicago. Gemplus is the first smart card manufacturer to reach the 10 millionth contactless card milestone. Gemplus’ multi-application smart card technology are in use in major transportation systems in Seoul, Korea, Kuala Lumpur, Shanghai Metro service, and the Washington DC Metro.


Schlumberger Mondex Cards

Mondex International has certified Schlumberger Smart Cards & Terminals to manufacture Mondex electronic cash cards with MULTOS(TM) (both V3.4 and V4 versions) – the open, high security, multi-application operating system for smart cards. The broad experience of Schlumberger in related applications, such as credit/debit, ticketing and e-commerce, and its ability to provide compatible point-of-sale and car parking terminals, now places Schlumberger in a unique position to deliver advanced multi-application financial card solutions to customers, such as banks, retailers and urban authorities, etc.

Schlumberger has pioneered the industry’s move towards open smart card solutions through its development of Java-compatible cards, and announced its support for the MULTOS platform in early 1998. The company has also been supplying the Mondex electronic cash for the past few years. This new certification for Mondex-on-MULTOS manufacturing services – in combination with the company’s parallel program to provide compatible terminals and MULTOS applications now gives Schlumberger the green light to offer turnkey solutions to its worldwide customer base.

“The business case for multi-application financial smart cards is now extremely attractive, and there is a pressing need for design and manufacturing resources,” says Gillian Chard, head of Supplier Development at Mondex International. “The global scale of the Schlumberger operation, and its ability to deliver a turnkey package with terminals, adds a new dimension to the Mondex offering, and will be of great support in helping our customers to realize their plans.”

“Mondex has won support worldwide, and the MULTOS platform is now providing operators with the means to build around that function and create powerful multi-application systems,” says Cedric Collomb, product line manager for Financial Cards products at Schlumberger. “This certification allows Schlumberger to greatly expand its Mondex offering, to help customers create successful multi-service financial card solutions.”

MULTOS has been designed to provide a high security platform for multi-application cards. Initially, the Mondex electronic cash will be available on MULTOS cards with 8k or 16k memory, providing extensive space for additional functions.

About Mondex International

Mondex International Limited (MXI) is a world leader in the provision of smart card based products and services. The company is a subsidiary of MasterCard International Incorporated and employs over 180 people at its London headquarters and at technology centers around the world.

MXI is best known for pioneering the Mondex Electronic Cash system, one of the world’s leading smart card-based electronic purses. Its unique security architecture allows for person-to-person payments using a personal wallet device, telephone line or Internet service, without the need for authorization. This is one of the features which makes Mondex the most advanced and cash-like of all available electronic cash products. Mondex is globally interoperable and is under development in over 50 countries. Further information regarding Mondex is available on its web sites at:

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MAOSCO is a world-wide consortium which was formed in May 1997 to drive the adoption and manage the on-going development of MULTOS as an industry standard platform for smart cards. Members of the consortium include: American Express, Discover Financial Services, DNP, Europay International, Fujitsu (including its subsidiaries ICL and Amdahl), Giesecke and Devrient, Hitachi, Infinion (formerly the semiconductor division of Siemens), Keycorp, MasterCard International, Mondex International and Motorola.


MULTOS is a high security, multi-application operating system for smart cards. The MULTOS platform includes unique end-to-end card management to simplify the process and reinforce the business case for smart card issuance. It is available on a non-proprietary ‘open systems’ basis to ensure that it becomes a standard for smart cards in all sectors including finance, retail, travel, media and telecommunications. For further information see the MULTOS web site at


About Schlumberger

Schlumberger Smart Cards & Terminals is the leading provider of smart card-based solutions worldwide, shaping the new world of smart solutions by providing leading-edge technology to enable innovative smart card and terminal applications that enhance the security and convenience of businesses and communities of all kinds. Schlumberger smart card solutions encompass a wide range of cards, terminals, development tools and support in open configurations for operators, developers, integrators and distributors worldwide. As part of the Smart Village(R) vision, the Schlumberger offer includes the milestone Cyberflex(TM)card, the industry’s first Java(TM)-based smart card. The Smart Cards & Terminals group operates 45 facilities in 34 countries across the globe. Additional information is available on the World Wide Web at .

Schlumberger Test & Transactions comprises Schlumberger Smart Cards & Terminals and Schlumberger Automated Test Equipment, leveraging the combined strengths of these two business units to provide leading-edge, cost-effective solutions to customers.

Schlumberger Test & Transactions is a business unit of Schlumberger Limited, a $11.8 billion global technology service company providing oilfield services, natural resources management, transactions-based technology and associated systems, and semiconductor test equipment.