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Updated : Tuesday 25 February 2003


25-02-03 | Protecting Identities and Privacy with Smart Cards

    News from the Mid-Winter Conference of the Smart Card Alliance

    Princeton Junction, NJ, February 24, 2003 - Speakers and attendees at the recently concluded Smart Card Alliance Mid-Winter Conference were all in agreement that applying technology to protect identities and the privacy of individuals presents an excellent market opportunity.

    "The Smart Card industry is positioned ideally to address macro-trends in the growing Smart Card market," said Paul Beverly, chairman of the Alliance and vice president of Smart Cards and terminals, Schlumberger. "While not everyone has settled on a direction, all agree the future is bright for Smart Cards -- major industries like health care, transportation, financial/retail and information systems are now looking in earnest for solutions to the problems of privacy, identity verification and transaction integrity. That bodes well for our industry, because trusted identity credentials and trusted computing require exactly what Smart Cards deliver -- secure, portable hardware."

    At the conference, speakers from enterprise IT, financial and retail, health care and government explored the mounting pressures to update the ways in which identities are created, recognized, delivered and protected. They also discussed a range of technology options under consideration for solving these problems.

    Privacy and Security

    One of the important themes reinforced by several speakers was the link between privacy and security. "Privacy is much more than data confidentiality. Security is a key component of privacy," said keynote speaker John Sabo, manager of security, privacy and trust initiatives for Computer Associates.

    That link was also a central theme for the panel of speakers that presented the newest white paper from the Smart Card Alliance, "Privacy and Secure Identification Systems: The Role of Smart Cards as a Privacy-Enabling Technology." One of the points stressed in the paper is that using Smart Cards to securely limit access to information stored on information systems is an excellent way to protect the privacy of personal information stored there. This reduces the risks of relying solely on passwords, and facilitates limiting information access to the minimum necessary.

    "The fact is that Smart Cards can be an excellent tool for protecting privacy," said Randy Vanderhoof, executive director of the Smart Card Alliance. "A Smart Card can be a personal, portable database, giving individuals control over their personal information. The strong security provides a 'personal firewall' that protects cardholder privacy by strictly limiting information access based on the specific situation. With the growing problem of financial identity protection and the need for increased privacy in healthcare, the advantages of Smart Cards as a tool for privacy become compelling." Financial and Retail

    Presenters also discussed retail perspectives on identifying consumers and on new technologies that are expected to make inroads at physical stores. Jim Crawford, retail analyst for Forrester Research, Inc. took the position that consumers don't care about privacy, they care about the abuse of privacy. As proof of his position, he pointed to how readily airline passengers will trade identity information for security, or online shoppers will trade identity for value in the form of coupons or "free" downloads. He further pointed out that 85% of primary grocery shoppers would like to use their loyalty card to get personalized promotions as they enter the grocery store.

    Building on a holistic view of consumer attitudes, payment trends and retailing, Crawford predicts "a new concept of 'financial identification' will emerge in which payment devices will be used for identification when you enter the store as well as for payment when you leave." He is particularly enthusiastic about RFID based payment solutions, calling it "a revolution in the making."

    Citing the early 2003 planned rollout of ExxonMobil's Speedpass technology in the Stop & Shop grocery chain and the enthusiasm around the introduction of MasterCard's PayPass, Crawford sees RFID as the "evolution of Smart Cards." He also predicts that biometrics will be the evolution of PIN numbers, because tied to the card it enables payment providers to confirm that the card bearer is who they claim to be. The increasing interest in contactless RF-based payment was also the focus of the panel of speakers presenting an upcoming white paper from the Smart Card Alliance, "Contactless Payment and the Retail Point of Sale." This panel discussed successful implementations; retailer and issuer business benefits and costs, and described the different technologies that could be used to implement contactless payment. According to Michael Madden, vice president of e-Business development for MasterCard International, "Retailers see significant benefits with faster transaction times, increased revenue and better customer information" when using contactless payment. Ian Duthie, marketing manager of Atmel Smart Card ICs, described how Smart Cards offer an excellent choice, providing the "strongest security features versus all other contactless technologies."

    George Wallner, founder and chief strategist for Hypercom, also discussed the need for biometrics to combat fraud and identity theft. He described how a "zero knowledge" system could be implemented at the retail point-of-sale that would provide an approach to identity verification that is more acceptable to consumers. Comparing different options for applying fingerprint biometrics to payment cards, Wallner pointed to an important advantage of putting the biometric template on a Smart Card. "I believe storing biometrics on cards will be more acceptable to the public," he said.

    Healthcare

    Two speakers from the healthcare industry described emerging needs that can be addressed by Smart Card technology. Dr. Archie Mays, founder of MedHealth, estimated that $40 to $70 billion of the $1.4 trillion health care cost for Americans is due to fraud. As the privacy and security laws surrounding the Health Insurance Portability and Accountability Act of 1996 (HIPAA) go into effect on April 15th, 2003, Dr. John Butterworth, president of Security Sciences, Inc., predicts that medical industry companies will start asking for Smart Cards. "I think Smart Cards will become the chosen option," he said.

    Government

    Mary Dixon, director of the Department of Defense Access Card Office, presented an update on the CAC program. The DoD has now issued 1.8 million Smart Cards, and is issuing 9,000 to 12,000 per day from 1,300 issuance workstations in more than 15 countries. More than 150,000 workstations have now been equipped with readers and the software necessary to do logical access and log-on. Other applications are food service, manifesting and PKI-based electronic document signature and encryption.

    Further demonstrating the momentum that Smart Card technology has developed in the United States government, Bill Holcombe of the GSA's Office of Governmentwide Policy presented a list of more than 20 government Smart Card projects in various stages of implementation. He identified as the main driver a new urgency for better credentialing solutions as part of the post 9/11 need for greater security.

    About the Smart Card Alliance

    The Smart Card Alliance is a not-for-profit, multi-industry association working to accelerate the acceptance of Smart Card technology.

    Through specific projects such as education programs, market research, advocacy, industry relations and open forums, the Alliance keeps its members connected to industry leaders and innovative thought. The Alliance is the single industry voice for Smart Cards, leading industry discussion on the impact and value of Smart Cards in the U.S. For more information please visit http://www.smartcardalliance.org.

26-04-02 | Advanced Card Award Winners 2002

    The winners of the Advanced Card Awards 2002 were announced at the Awards Ceremony and Dinner, held at the Hotel Intercontinental in London this week. The winners were:

    Best Security Product:
    Top Secure Pin Protection Label from Schreiner GmbH

    Most Innovative Product of the Year:
    Smart-Solution from Retail Logic Ltd.

    Best Loyalty Implementation:
    Shetland Smart Card made by Gemplus Ltd. for ScotComms

    Best Healthcare Implementation:
    NHS Occupational Health Smart Card Scheme made by TSSI for Department of Health

    Best Payments Implementation:
    Internet P.G. (Payment Gateway) made by KEBTechnology for MYbi, Pusan Bank Credit Card Company, VAN Company, Internet Shoppingmall

    Best Transport or Travel Implementation:
    Moscow Social Security Card from Rosan Group

    MIPS Best Mobile Commerce & Communications Implementation:
    WIQ from ORGA Card Systems (UK) Ltd.

    ActivCard Best E-Business Implementation using Digital Identity:
    Internet P.G. (Payment Gateway) made by KEBTechnology for MYbi, Pusan Bank Credit Card Company, VAN Company, Internet Shoppingmall

    Best Security or Biometrics Implementation:
    The Common Access Card Program at the U.S. Department of Defense made by ActivCard with SchlumbergerSema for Department of Defense

    Most Innovative Implementation of the Year:
    The Net1 'Malswitch' Project made by Net1 Applied Technology Holdings Ltd ­APLITEC for Malswitch

    RNIB Usability Award:
    Blatchford Adaptive Limb made by Flint for Blatchford

    ORGA Advanced Card Hall of Fame Award:
    Dr Marc Lassus (Chairman, Gemplus)

    The Judges' Award:
    The Common Access Card Program at the U.S. Department of Defense

20-02-02 | 3GSM Award Winners Announced

    The 7th annual GSM Association awards were presented at the 2002 3GSM World Congress in Cannes yesterday. The winners were:

    Category One Technology Innovation: Best Infrastructure or Network Solutions product - Wireless Online (USA) Best Wireless Handset/Terminal or Handheld Device - NTT DoCoMo (Japan)

    Category Two Applications and Services: Best Corporate Wireless Application or Service: Far EasTone Telecommunications Co., (Taiwan) Best Consumer Wireless Application or Service: Codeonline (Finland) Best Wireless Application Developer: Network 365 (Ireland)

    Category Three Marketing and Promotion: Best Television Commercial: Sonera Corporation, Mobile Operations (Finland) Best Marketing Campaign: Orange (France)

    Category Four GSM in the Community: Wireless Accessibility Award: MTN Networks (Sri Lanka) Best use of Wireless for Emergency Situations: Joint Winners: Polkomtel SA. Poland, and Ericsson (Sweden)

    Category Five GSM Association Gold Roll of Honour Winners: George Schmitt, Currently Chairman and acting CEO of e.spire Communications Inc Mauro Sentinelli, Managing Director of Telecom Italia Mobile (TIM) Hans Snook, Formerly CEO and Group Managing Director of Orange

    GSM Association's Special Recognition Award Telecom Italia Mobile for M-Services (Italy)

    GSM Association Chairman's Award NTT DoCoMo (Japan)

14-11-01 | SESAME Award Winners 2001

The winners of the 2001 SESAME Smart Card Industry awards were announced at the CarteS exhibition in October 2001. Smart Card News' Patsy Everett was once again member of the judging panel.

The winners were:

SESAME for the Best Software (New in 2001):
Proton World : CALC (Card Application & Life-Cycle Manager)

The Proton Prisma Card and Application Life Cycle manager (CALC) is a spearhead implementation of the Open Platform 2.1 specifications for card application management, and is used to manage the life-cycle of multi-application Smart Cards, including the personalisation of the cards and the dynamic downloading of applications onto the cards. CALC is present on all Proton Prisma cards, as all the standard applications and toolboxes rely on CALC for personalisation, security and the downloading of new applications. CALC improves the overall security and reduces the operational complexity of large-scale Smart Card systems. CALC enables card issuers to : manage Smart Card issuing in a multi-application environment ; manage the card life-cycle; securely set and update the on-card parameters; manage what applications are available and/or active on each of the cards; support mass card personalisation; support dynamic downloading of applications.

Contact: Christopher Bourne
Tel. +32 2 724 5028
Fax. +32 2 724 5060
Email: chris.bourne@protonworld.com

SESAME for IT Security Application (New in 2001):
Schlumberger: SSB (Schlumberger Smart Badge) for Royal Dutch Shell

SSB uses Smart Cards to provide physical access to buildings, network access and corporate ID. the cryptographic capabilities of the Smart Card are used by Shell to authenticate end users to digitally sign and encrypt documents and email and to provide non repudiation for digital transactions. The combination of Smart Cards, the card management system and the thin client solution all combined make this solution completely unique in the world today. It is the first known Windows 2000 Smart Card solution.

Contact: Emmanuelle Saby
Tel. +33 1 47 46 71 04
Fax. +33 1 47 46 68 66
Email: saby@montrouge.tt.slb.com

SESAME for Transportation Application:
Ask: C. Ticket

C.Ticket is a paper contactless Smart Card enabling contactless secured transactions. Public transport networks have been expanding contactless Smart Cards for subscribers worldwide. Those cards are cost effective for regular travellers but too expensive for occasional travellers using single ride tickets or ticket books. Networks have had to invest into two technologies and manage them so far that is contactless for subscribers and another one, more traditional such as barcode, magstripe and so on for occasional travellers. C.Ticket now able to manage all travellers with contactless Smart Cards and thus save costs compared to a bi-technology solution.

Contact: Emeric d'Argoeuves
Tel. +33 4 97 21 40 00
Fax. +33 4 92 38 93 21
Email: eda@ask.fr

SESAME for Banking/Finance Application:
Schlumberger: Lloyds TSB Key Online Banking

UK bank Lloyds TSB is using Schlumberger expertise to implement a Smart Card-based PKI system for an Internet based business to bank service. Within this program, business costumers of the bank will be able to access their bank account online and undertake transactions and a full range of activities using a Smart Card holding the public and private keys to encrypt information and to generate digital signatures. Initially the system will allow customers to view balances and statements, user administration, two-to-sign transactions and make BACS payments. In the future customer demand will determine what other functionalities will be added including inter-account transfers, high value payments, international payments, etc. The project, currently in its pilot stage, is the first large-scale Smart Card-enabled Internet banking project in the UK available for 750.000 potential business customers.

Contact: Emmanuelle Saby
Tel. +33 1 47 46 71 04
Fax. +33 1 47 46 68 66
Email: saby@montrouge.tt.slb.com

SESAME for Health Care Application:
MoneyLine - Migrantis: Assiha, The Health Card

This service takes the form of a Smart Card credited or prepaid by the Third paying Party who has emigrated and living in Europe, and debited for the profit person staying in the country of origin who buys the medication or receives the health services in the chemistries, hospitals or doctors equipped with Migrantis terminals. Thanks to the new technologies of payment and the data sources transfers, the objective of this project is to make easier, more rational and secure this help in a view of health cares.The ASSIHA health card enables the virtual association of persons geographically far away and anonymous in one or more securised credit/debit transactions, so one of them accesses to the medications and the health cares.

Contact: Joseph Noumazalayi
Tel. +33 1 53 40 93 92
Fax. +33 1 53 40 93 89
Email: joseph.noumazalayi@migrantis.com

SESAME for GSM Application:
Banksys: Banxafe Mobile

Banxafe Mobile is a new security label for e-commerce/m-commerce enabling portable phone users to make Internet purchases, banking operations and pre-paid card reloads in a totally secure manner. The system encompasses all existing debit and credit payment card systems and makes their use possible in the virtual world (the mobile is used to secure Internet and mobile transactions). Banxafe relies on the Smart Card technology and is fully compatible with the Secure Electronic Transaction (SET) standard. By means of a secured banking application installed on a chipcard and a banking PIN, the users access a virtual wallet containing duplicates of their physical cards and thus have access to their financial resources on the Web without ever typing in a bankcard number. No sensitive information is kept at the merchant site, and merchants have an insured guarantee that they will be paid by the bank.

Contact: Caroline Duterme
Tel. +32 2 727 65 21
Fax.+32 2 727 67 67
Email: caroline.duterme@banksys.be

SESAME for Electronic Commerce Application:
AmaTech USA: The WavePass Internet Smart Card network

The product is an integrated system that allows consumers to make purchases on the Internet and immediately load the purchase value, via a low cost home reader onto a WavePass contactless Smart Card. It provides a bridge between the Inernet and the brick and mortar world, allowing purchases initiated online to be completed at home and the stored values used at the business location. This is the first use of contactless cards in the e-commerce arena.

Contact: Alicia Espericueta
Tel.+1 480 722 3017
Fax. +1 480 722 3039
Email : aespericueta@amatechusa.com

SESAME for Loyalty Application:
TeleCash GmbH: P.S.K. / Post Kundenkarte

The PSK/POST Kundenkarte is a chip-based loyalty card offering functionalities in : personal identification of costumers/clients in the post office by PIN verification ; bonus system by Post AG; PoS payments in post offices and on PoS terminals at co-branding partners' site ; cash advance in post offices and branches of Bawag ; payment function for e-government solutions (digital signature) ; administration of savings account on the chip (Bawag) ; deposits.

Contact: Judith Heide Haeublein
Tel. +49 711 162 64 891
Fax. +49 711 22 11 29
Email: heide.haeublein@telecash.de

The best among those 7 applications has received the SESAME for the Best Application:
Ask: C. Ticket

Contact: Emeric d'Argoeuves
Tel. +33 4 97 21 40 00
Fax. +33 4 92 38 93 21
Email : eda@ask.fr

SESAME for the Best Technological Innovation:
Infineon Technologies: 32 BIT Chip Card Controller SLE88CX720P

It will be the first product of the complete new 32 bit chip card controller family, the 88 family. The whole product package consists of a bondout device with integrated debug interface (DIM) module for easy to use SW debugging, a high volume product and a complete SW package, incl. A development environment (C Compiler, Assembler, Simulator etc.) and a so called Platform Support Layer (PSL) whiwh provides the SW developer with all required low level drivers. The product is based on an Infineon own 32 bit RISC processor, the TriCore, which was adapted to the chip card specific security performance and power consumption requirements. The main features are 144 Kbyte EEPROM, 160, Kbyte ROM, 8 Kbyte RAM, Crypto Co-Processors for RSA, ECC and 3DES, Virtual Language Acceleration for Java SC, Multos and WPSC and an integrated Security Concept. The product is designed to fit into all the high volume applications in the chip card world, like GSM SIM, USIM, m-commerce, e-commerce, payment and security access.

Contact: Bernd Meier
Tel. +49 89 234 25166
Fax. +49 89 234 22214
Email : bernd.meier2@infineon.com

23-03-01 | Advanced Card Awards Winners

Most Innovative Products of the Year were awarded jointly to Omnikey for CardMan Dongle, the smallest Smart Card reader for any Smart Card in GSM/SIM format; and Bull for Oversoft Technology - iSimplify! which transforms a Smart Card into a true Internet node.

Card Technology Most innovative Implementation went to easi Solutions for e@si Card, a system allowing hoteliers to offer guests high-speed Internet access, e-mail and MS Office.

Best Loyalty Implementation went to Schlumberger for the UK's first live multi-application Smart Card with innovative co-branding between Internet bank Egg and Boots the Chemist and combining loyalty points and credit.

Best Payments Implementation went to KEB Technology for the Digital Pusan Card issued by Korea's Pusan Bank to offer customers contactless payment for travel expenses such as fares, parking or tolls, and the security of a contact card for purchases at shops or online.

Best Transport or Travel Implementation went to ASK for e-Ticket, the first disposable contactless ticket for many different requirements for access control and ticketing.

Best Communications Implementation went to Schlumberger for its Simera Airflex Smart Card produced for Korea Telecom Freetel to make it the first mobile operator to give its subscribers the ability to roam between CDMA and GSM networks.

Mondex International Best e-Business Implementation went to Banksys for Banxafe, a new security label for e-commerce payments encompassing all existing payment card systems (credit, debit, purse) and creating a ‘virtual wallet' duplicating the cards the customer already uses for other types of transactions. Digital certificates ensure no sensitive information is kept at the merchant site, and the merchant is guaranteed payment from the issuing banks.

MIPS Technologies Best m-Commerce Implementation went to Entrust Technologies for its getAccess Mobile Server used by Internet bank Egg to provide a secure portal accessible with multiple wired and/or wireless devices.

Smart Card 2001 Best Security or Biometric Implementation went to STMicroelectronics for its ST19 Smart Card IC platform, the first to be certified to new ISO 15408 standard.

Oberthur Card Systems Best New Chip award went to Atmel Smart Card ICs for its latest AT90SC6464C-USB Flash microcontroller providing direct high-speed connection to any PC or Internet appliance.

STMicroelectronics Best Security Product went to Raytheon Company for Secure IT - a set of specialised circuit layout methodologies using standard CMOS processing to make chips ‘functionally invincible' to reverse engineering.

RNIB Usability Award went to Gemplus for GemUtilities designed to simplify personal access to favourite Internet sites and provide ‘one-click' convenience in e-commerce through intelligent form-filling.

The Judges' Award went to American Express for Amex Blue, their Smart payment card.

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