british govt launches smart card initiative · 2015-12-06 · 222 smart card news december 1997...

DECEMBER 1997

Volume6

Number 12

© 1997 Smart Card News Ltd., Brighton, England. No part of this publication may be reproduced, stored in a retrievalsystem, or transmitted in any form or by any means, electronic, mechanical, optical, recording or otherwise, without theprior permission of the publishers.

British Govt LaunchesSmart Card InitiativeThe new Labour British government has formally legalised electronicsignatures using a Smart Card and is therefore the first governmentto accept electronic forms from the general public over the Internet.

The pilot scheme, which was launched by David Clark, Minister forPublic Services, will be rolled out to thousands of people over thecoming months and is the start of the governments commitment thata quarter of its business will be conducted electronically by the year2002.

The electronic form replaces a number of complex paper forms thatwere originally required to register as self employed. The form ison the Internet and is digitally signed using Smart Card technologyprovided by NatWest, the inventors of Mondex.

Continued on page 223

Malaysian E-cash Project - See page 223

222 Smart Card News December 1997

December 1997

Smart Card News is published monthly by Smart Card News Ltd PO BOX 1383 Rottingdean Brighton East Sussex BN2 8WX EnglandTelephone: + 44 (0) 1273 236677 / 626677 Facsimile: + 44 (0) 1273 624433 / 300991 e-mail: [email protected] ISSN 0967 196X

Managing Director Patsy Everett Editor Jack Smith Technical Advisor Dr David B EverettJournalist Anna Ronay BA (Hons) Graphic Designer David Lavelle BA (Hons)

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Cards on the CoverNatwest Signature Card

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32Special Edition BT

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News223-235 Malaysian E-cash Project

Smart Cards for Fort KnoxGCS Service Mark PlanUS Postal Service Joins NY PilotChina Agrees EMV StandardOptions Smart Credit Card for HKBelgium Personalisation CentreGSM Cards for Hong KongSmart Parking for ShoppersMasterCard Targets SA TownshipsChipper and Proton for the InternetDenmark Leads in Purse UsageSmart Card DiarySELECT Multi-application Card

240 Diploma Awarded

Smart Card Tutorial236-239 Integrated Circuit Card Standards

and Specifications - Part 15:Electronic Payment Systems - SET Part 2

information technology.

The contract for the electronic cash scheme wasawarded to Triumphant Launch Sdn Bhd, a 50/50joint venture company between ERG of Australiaand Banksys of Belgium.

The contract award is a huge success for Banksysand clearly establishes Proton as a global leader inSmart Card electronic purse technology, bringingthe number of countries where Proton technologywill operate to 15. ERG will provide the resourcesand support to Triumphant Launch for theintroduction of the system during 1998.

The Malaysian Multipurpose Card (MPC) isdescribed as a flagship scheme and is one of the mostinnovative in the world, calling, initially, for eightapplications to be developed and made available ontwo separate cards by the year 2000.

Government MPC

The Government MPC will combine national ID,driving licence, medical, immigration applicationand optional E-cash. National ID is the “anchor” forthis card because of its widespread use and commondata set that will be shared with other governmentapplications. ID will be implemented through thesecurity of chip technology and biometricidentification. The ID number will also serve as anaccess key to other government and privateapplications that do not require dedicated chip space.

The driving licence will have enhanced functionalityto include a record of outstanding traffic violationsto strengthen enforcement while the immigrationfunction will act as a passport supplement to facilitateefficient entry and exit of Malaysia. The medicalapplication will contain basic medical informationto improve diagnosis and delivery of care inemergency and general care situations.

Payment MPC

The Payment MPC will accommodate internationalcredit, debit, ATM and E-cash functions and will beindividually issued and branded by issuing banks.

Disposable E-cash Card

E-cash applications and infrastructure developed forthe MPC will be compatible with a disposable E-cash card which will be issued by the PaymentConsortium of Malaysian banks.

British Govt Smart Card InitiativeContinued from page 221

The pilot is being run by NatWest in several of theirbranches as of Wednesday 10th. December. Businessadvisors at these branches will use the technologyto enable customers to register as self employed on-line for tax, national insurance and V.A.T (AddedValue Tax).

The government anticipates that the arrival of digitaltelevision will enable many government services tobe delivered directly into the home as well as onlineinformation booths sited at post offices, shoppingcentres and service stations.

Alan Stevens, chief executive of EDS UK, whoworked closely with the Joint Working Group (InlandRevenue, Contributions Agency, Customs andExcise) on the application for the form, are hostingthe service and providing the security functions said,“we support the drive towards more open, accessiblegovernment, by providing web hosting and otherservices for this ground breaking pilot”.

Microsoft have developed the software for theintelligent form, which is very user friendly usingdynamic HTML.

The Smart Card uses a prototype version of theMultos operating system developed by the NatWestdevelopment team for Mondex International, usinga Hitachi H8 chip and Gemplus Reader/Writers.Security operates by producing a hash function of theform data which is then encrypted using asymmetriccryptography to generate the digital signature.

Contact: Jo Clift or Howard Rhoades. Press Office,Cabinet Office - Tel:+44 (0)171 270 0634/1271/1131.Website: www.self-employment.direct.gov.uk

Malaysian E-cash Project

Proton technology from Banksys in Belgium hasbeen selected for the electronic cash part ofMalaysia’s Multipurpose Card tender.

The Malaysian Government is the first governmentin the world to implement a national strategy onSmart Cards. The Multipurpose Card project is partof its Multimedia Super Corridor (MSC) initiativeintended to position Malaysia as the Asian leader in

News

December 1997 Smart Card News 223

Electronic cash is the first of three schemes to beselected. The tender deadline for the Governmentand Payment MPCs is 13 December and contractswill be announced on 26 February next year.

Mohammed Abdullah, Chairman of CountrySynergy, the payment consortium of Malaysianbanks, said: “Potential bidders for the Payment andGovernment MPC will be required to adopt theBanksys electronic cash scheme in their proposals.”

The significance of this announcement that Protonwill underpin all of Malaysia’s multipurpose SmartCard system is that costs will be reduced as CountrySynergy and Banksys will be involved in integratingthe electronic cash on both MPCs.

The E-cash scheme will be tested to prove thespecifications and establish functional acceptabilityin a pilot involving up to 2,500 cards and 300 devicesin a closed environment such as a university. Thiswill be followed by a commercial pilot to assessconsumer acceptance and develop appropriatemarketing and promotion strategy. This pilot willinvolve up to 100,000 cards and 5,000 devices andwill be in an open environment in a restrictedgeographical area.

Contacts: Sarah Manners, ERG Limited - Tel: +618 9273 1204. Fax: +61 8 9273 1208. • YouriTomatchov, Banksys - Tel: +32 2 727 6666. E-mail:[email protected]

Smart Cards for Fort Knox

Fort Knox, known throughout the world as the sitefor the United States’ gold reserves, is also a USarmy facility and is planning to replace cash withSmart Cards for all military personnel.

The US Department of the Treasury hascommissioned a one year cashless society pilotwithin Fort Knox, changing the way that soldiers arepaid and taking a step towards it’s goal of conductingall government payments and collectionselectronically.

Some 11,000 Smart Cards will be issued to newsoldiers over the course of the pilot as they arrivefor their basic training course. Their pay will beloaded onto the card which they can then use to payfor purchases and services at troop stores, vendingmachines and concessionaires (barber, tee-shirt shopetc) available at the base.

Involved in the pilot are ICL, the IT systems andservices company; Mellon Network Services, adivision of Mellon Bank Corporation; Gemplus,VeriFone, Product Technologies and Debitek. ICLis providing the Central Management System, a corecomponent of its SmartCity Electronic MoneySystem (EMS).

Contacts: Neil Pattie/Liz Merrick, ICL Press Office- Tel: +44 (0)181 565 6651. Fax: +44 (0)181 5656645. E-mail: [email protected]. Web site:www.icl.co.uk

Swedish Banks Issue Chip Cards

Visa Sweden announced last month that its memberbanks would start to issue multi-function paymentcards using chip technology. The new cards will becompatible with the EMV (Europay / MasterCard/ Visa) specifications for a national roll-out of creditand debit chip cards.

In a first step towards the introduction of a multi-function card, Sweden’s electronic purse, calledCash, will be added to Visa cards from early 1998.

Contact: Ian Gatherum, Visa International - Tel:+44 (0)171 937 8111. Fax: +44 (0)171 937 0877.

Philips Chip Approved by ZKA

Philips Semiconductors has joined other chipsuppliers to Germany’s Geld Karte electronic pursescheme with the approval by ZKA of its P83C868Smart Card controller IC which provides 20K bytesof ROM, 8K bytes EEPROM and 384 bytes RAM.

ZKA (Zentraler Kredit Ausschuss) representing thesavings, public, co-operative and commercial banks,is the operator of the Geld Karte electronic purse. Itreports that since national roll-out started in October1996, around 40 million cards have been issued, thevast majority with the Eurocheque brand.

Contacts: Ralf Mittermayr, Philips - Tel: +43 3124299299. Fax: +43 3124 299270. E-mail:[email protected] • Dr AndreasMartin, ZKA - Tel: +49 228 509269. Fax: +49 228509201.

News

Smart Card News December 1997224

News


GCS Service Mark Plan

The Global Chipcard Alliance (GCA) last monthannounced at its annual meeting in Kuala Lumpurits intention to institute a service mark plan which,when completed, will allow consumers to recognize“GCA approved” Smart Cards and terminals asproducts which fulfill a strict global interoperabilityrequirement set out by the GCA to ensure serviceand protection levels worldwide. A certificationprocess to review and validate products using theservice mark and to then administer adherence toglobal interoperability specifications is underevaluation.

“It will not be owned by any one industry, company,or for profit organization,” according to DavidAnastasi, President and a member of the board ofthe GCA as well as Vice President and GeneralManager at US WEST Public Services.

“Our vision is quite simple, within the next five yearssmart/chipcard consumers will be able to access theirpersonalised applications anytime, anywhere and formany functions,” added Anastasi. “The GlobalChipcard Alliance’s mission is to provide toconsumers worldwide an easy way to identify thedevices where their cards are accepted, serviced andprotected. The GCA wants to ensure that a customer’sneeds are met whether he/she is just around the blockor in another part of the world,” he continued.

Established in 1996, the Global Chipcard Alliance’smembers include: PTT Telecom Netherlands, U SWEST Communications, GTE TelephoneOperations, Bell Canada, Telekom Malaysia,Deutsche Telekom, American Express, Microsoft,IBM, Telstra, Northern Telecom, Landis & Gyr,Oracle, Gemplus, SPT Telecom, and Elcotel.

Contact: Lynn Carlson of Regional Help Desk,America (US WEST Public Services) - Tel: +1 206345 2380. Fax: +1 206 345 7145. • Global ChipcardAlliance Web site: www.chipcard.org

Mobile Payment Terminal

Intellect has launched its Universal PaymentTerminal - a hand-held mobile Smart Card terminalwhich can handle up to four different Smart Cardschemes in addition to standard credit and debit cardswith an Aus $15 million order.

The order was placed by Perth-based EFTPOSsolutions provider EFTNET Australia, which is tomarket the terminal.

BankWest has been named as the acquiring bankfor all transactions made with the Intellect UniversalPayment Terminal under the Intellect and EFTNETagreement. The mobile terminals will communicatewith the bank over the Telstra MobileData Network.This is similar in concept to the cellular telephonenetwork which allows communication on the move.

Geoff Gander, General Manager for Intellect’s Asia-Pacific operations, said the ability of the terminal toaccept up to four different stored value card schemeswas particularly crucial with the planned roll-out offour schemes in Australia within the next 12 months.

He said Chipper, Mondex, Visa Cash and Protonschemes would all be in use throughout Australiaand mobile merchants would need a terminal toaccept all four types of Smart Cards.

Contact: Geoff Gander, Intellect - Tel: +61 8 94722222. E-mail: [email protected]

Australian Banks in SET Trial

National Australia Bank has joined the ANZ Bank,Westpac Bank, Commonwealth Bank and NationalAustralia Bank in a partnership with VisaInternational to trial the SET Secure ElectronicTransaction 1.0 protocol next year.

Contact: Jeff Perlman, Visa International Asia-Pacific - Tel: +65 437 5513. Fax: +65 437 5567.

Mondex Roll-out in Hong Kong

Mondex electronic cash went live across Hong Konglast month as HongkongBank and Hang Seng Bankbegan issuing cards which can be used at over 5,000merchants. The launch follows pilot schemes inwhich over 40,000 cards were issued.

Contact: Robin O’Kelly, Mondex International -Tel: +44 (0)171 557 5036.

US Postal Service Joins NY Pilot

The US Postal Service is testing the use of SmartCards by joining in the Visa, MasterCard, ChaseManhattan Bank and Citibank trial on the UpperWest Side of New York City (SCN October 1997).

“Customers can purchase items in the time it takesto insert a card in a machine, without fumbling forcash or wasting time writing a cheque,” said TerryCarter, Postal Service Assistant Treasurer, PaymentTechnologies.

“We see this as an opportunity to make it easier forcustomers to do business with us,” he said. “Also,our participation in the pilot puts us at the forefrontof leading edge technology. If this leads to SmartCards becoming widely embraced by the public, wewill be ready to offer our customers the latest inpayment technology.”

Three post offices on the Upper West Side areparticipating in the pilot test by accepting the storedvalue cards at 28 retail windows. A fourth site willbe added soon.

NationsBank and First Data will provide processing,settlement and training support during the test.NationsBank is the national credit/debit cardacceptance contractor for the Postal Service, and itssubcontractor, First Data Merchant Services,processes the Postal Service’s credit and debit cardtransactions.

The Smart Cards can be used for all retail postaltransactions except for CODs and passport fees, saidCarter, whose group is co-ordinating the PostalService’s participation in the trial. Beyond providingthe ability to purchase items without cash at the postoffice, the cards can also be used for small purchasesat news stands, fast food restaurants, dry cleaners,delicatessens, cinemas and other establishments.

More than 700 merchants ranging from small cash-only stores to large national chains, have signed upto accept the Smart Cards issued in the New Yorkprogramme: Citibank/Visa Cash cards and ChaseManhattan Bank/Mondex cards.

Contacts: Gerry Hopkinson/Robin O’Kelly,Mondex International - Tel: +44 (0)171 557 5036.Anita Mitter, Visa International Asia-Pacific - Tel:+65 437 5518.

OpenCard Framework Expands

A number of Smart Card industry companies havejoined the OpenCard Framework Work Group setup in March 1997 to develop an open standard forthe interoperability of Smart Card applications acrossmany platforms, including network computers,personal computers, ATMs, GSM/PCS and point ofsale terminals.

Founders of the OpenCard consortium are IBM,Netscape Communications Corporation, Oracle’sNCI and Sun Microsystems. They have now beenjoined by 3GI, ActivCard Inc., Brokat GmbH, BullPTS, Gemplus, Litronic, Motorola, Philips, SGS-Thomson, UbiQ Inc., and Utimaco.

Dr Toni Merschen, Worldwide Manager ofTechnology and Alliances, IBM Smart CardSolutions, said the industry was now delivering atrue cross-platform interoperability. “Nowdevelopers can build network-based applications thatutilise a variety of Smart Cards and terminals fromdifferent vendors, regardless of the platform they arerunning on,” he explained.

Sun Microsystems plans to incorporate OpenCardinto its network management and network computerstrategies as a complement to Sun’s Java Cardplatform for Smart Cards based on Java.

Information about the OpenCard framework and theOpenCard workgroup is available on web site:http://www.opencard.org

Contact: Jeremy Davis, IBM - Tel: +44 (0)181 8184217. Fax: +44 (0)181 818 6189. E-mail:[email protected]

Products for Airline Industry

Systems integrator, Computer Sciences Corporation(CSC), based in El Segundo, California, hasannounced an agreement with the identificationgroup of Philips Semiconductors, formerly knownas Mikron, to focus on serving the needs of theairport/airline industry for Smart Card products, forexample, baggage tagging, passenger management,electronic ticketing and boarding.

Contact: Pam Schreier/Nikki Spinks, BertramGough PR (for CSC) - Tel: +44 (0)121 622 2666.Fax: +44 (0)121 622 2777.

News


China Agrees EMV Standard

The People’s Bank of China, China’s Central Bank,and Visa International have signed a memorandumof understanding whereby the Chinese governmentwill accept the EMV (Europay, MasterCard, Visa)standard for Smart Card transactions. The agreementcould result in the production of as many as 200million Smart Cards in just a few years.

Like many early Smart Card adopters, China’s initialefforts have been built around proprietarytechniques, for example, the five-year-old GoldenCard project in Shanghai, China - a joint venturebetween the Pu Dong Development Bank andFrance’s Groupe Bull - uses proprietary Pu Donginterbank settlement software whose algorithmcannot work with the EMV protocol. The systemhas about 350,000 CP8 transaction cards incirculation, for point-of-sale payments and ATM orbranch reloading.

“We had been negotiating with several banks in Chinain order to introduce an EMV system there,” saidBob Hepple at Visa International. “Our andMasterCard’s plan is that this system beinternationally universal, not proprietary.”

A Visa spokesman said he could not say exactlywhen EMV Smart Cards would start to be availablein China, but predicted it would be “within a year ortwo.”

Go Ahead for Melbourne AFC

The State Government in Melbourne last month gavethe go ahead for the first phase of an automaticticketing (AFC) system for the city’s public transportsystem utilising magnetic stripe cards and contactlessSmart Cards.

Following extensive field-testing on rail, tram andbus routes, and what are described as “significantimprovements in the performance of ticketingequipment,” the State Government announced it wasnow satisfied that the OneLink multi-modal ticketingsystem was ready for implementation across theentire suburban transport network.

Roll-out of equipment has now started and will takearound seven to eight months to progressively testand implement.

The OneLink consortium, including ERG Australia,Fujitsu Australia and Mayne Nickless, will nowreceive payments for the first stage, but will only bepaid on a performance-based criteria.

The Premier, Mr Kennett, said: “OneLink is stillrequired to achieve the original performancestandards set out in contract and has agreed to paypenalties for late commissioning of both the pilotstage and the remainder of the system. Full paymentwill only be made when all equipment is in serviceand fully functioning.”

Contact: Steve Murphy - Tel: +61 3 9651 5799.

Aladdin Announces New ASE II

Aladdin Knowledge Systems has announced theavailability of the new generation ASE II - AladdinSmartcard Environment - which is compliant withthe PC/SC standard providing a uniform model forinterfacing Smart Card readers and cards withPersonal Computers.

Microsoft’s Edmund Muth, Group Product Managerfor Windows NT Server and Infrastructure Products’Marketing, said: “Windows Smart Card developerswill benefit from the comprehensive and easydevelopment environment provided by this toolkit.”

ASECards include memory, protected memory, CPUand crypto cards, all of which can be accessed via asingle base Application Programming Interface(API). This facilitates the easy integration of variouscard types into user applications.

Contact: Tom Crowley, Aladdin Knowledge Systems- Tel: +1 847 808 0300. Fax: +1 847 808 0313. E-mail [email protected]

Saho Orders GemCore

Taiwan systems integrator Saho Corporation hasordered 10,000 units of Gemplus’ GemCore, acomponent kit for manufacturers to integrate a SmartCard interface into electornic equipment and plansto incorporate it into its access control devices foruniversities, banks, army camps and factories.

Contact: Flavie Gill, Gemplus - Tel: +33 (0)4 42 3656 83. E-mail: [email protected]

News


Options Smart Credit Card for HK

The Jardine Matheson Group and Standard CharteredBank have unveiled the Options Smart Credit Cardwhich combines chip technology provided byGemplus with all the features of a normal credit card,and offers instant redemption of bonus points andspecial offers at over 400 Jardines’ retail outlets.

Nine leading retailers from the Jardine MathesonGroup will offer benefits at their outlets all over HongKong. They are Wellcome, Mannings, IKEA,Maxim’s, Olivier’s Delicatessen, The Optical Shop,JOSMART, Ruby Tuesday restaurants and Shadessunglass speciality stores.

Customers can obtain instant redemption of bonuspoints for cash discounts at any one of the outletswith no minimum levels for spending or for redeemedpoints. Bonus points can also be redeemed throughcatalogue offers. While regular bonus points will begained every time purchases are made, double bonuspoints will be earned through spending at the nineparticipating Jardines retail outlets. All purchasesmade with an Options Smart Credit Card are insuredby purchase protection and extended warranty.

The card was launched on 4 November at the HongKong Exhibition and Convention Centre.

Contact: Julie Tomlinson, The Media Crystal (forGemplus) - Tel: +44 (0)1332 824781. Fax: +44(0)1332 824755. E-mail: [email protected]

Transport Card Launched in UK

A contactless Smart Card-based transport card waslaunched in the County of Hertfordshire in Englandlast month in a partnership between HertfordshireCounty Council, bus company “The Shires” andTransmo Citycard, a technology companyspecialising in urban card systems (see SCNSeptember 1997).

Phase one only involves bus travel and is seen as theframework for a travel, parking and other localservices card as the scheme goes county-wide by theyear 2000.

Children at schools in the main towns in the Countyare being issued with the new Citycard for use asfree bus passes. Savercards (frequent use discount

cards for students) are also being replaced withCitycards. The issue of cards to the elderly anddisabled is under discussion.

About 220 buses have been equipped to read thecards and it is planned to extend the scheme duringnext year with the issue of around 30,000 cards.

Contacts: John Batten, Managing Director,Transmo Citycard - Tel: +44 (0)1763 249933.Spencer Robeson, Head of Passenger TransportUnit, Herts County Council - Tel: +44 (0)1992588656. • Nigel Eggleton, The Shires (bus company)- Tel: +44 (0)1923 682262.

Iris Recognition for E-Commerce

IriScan, Inc - exclusive owner and developer of irisrecognition technology for automated biometricidentification - and GTE plan to bring the technologyinto the world of cyberspace.

GTE’s proprietary digital biometric certificates willbe combined and both sender and receiver will beverified by their IrisCodes before the transaction iscompleted. Called Iris Certificate Security (ICS), aprototype will be available in Q1 of 1998.

Eye-catching cash machines

Remembering your PIN number could soon be athing of the past. Nationwide Building Society hasannounced that it plans to join with NCR FinancialSolutions Group to test customer reactions to irisrecognition technology. Instead of keying in a PIN,the cardholder will look into a camera.

The Society plans to install cameras capable ofrecognising a customer’s unique “eye print” at a cashmachine and at a counter of the branch in its headoffice in Swindon, UK, in the first quarter of nextyear.

The system has been developed by Sensar Inc., anIriScan technology licencee (see above).

Contacts: Kelly Gates, Marketing Manager, IriScan- Tel: +1 609 234 7977. E-mail: [email protected] Musgrave, Strategic Development, GTE - Tel:+1 972 718 6584. E-mail: [email protected] • AlanOliver, Nationwide Building Society Press Office -Tel: +44 (0)1793 455189. E-mail:[email protected]

News


Belgium Personalisation Centre

Gemplus has opened a new FF 7 million cardpersonalisation centre in Zaventem in Belgium. Theopening of the centre comes as Belgium, in a jointproject between the government and MutualitésBelges, prepares to launch a Social ID Card (SCNAugust 1997).

Starting in February next year, 10 million Belgiancitizens will be issued with a card enabling datatransmission, checking of social coverage andgenerating electronic medical prescriptions.

Gemplus is contracted to substitute a chip-basedsocial identification Smart Card for the currentmagnetic stripe card. It is also responsible for cardproduction, and graphic and electricalpersonalisation of the cards based on electronic fileswhich will be transmitted by the health insuranceorganisations.

Personalisation will be conducted from the Zaventemcentre while the mass mailing involved will behandled by Joos-Rotamail, Gemplus’ partner for thisproject.

Gemplus currently supplies SIM cards to a Belgianmobile telephone operator, and Smart Cards to Valor,Proton and the Mutualités organisations.

The Zaventem centre’s annual personalisationcapacity will reach 15 million card units next year.

Contact: Julie Tomlinson, The Media Crystal (forGemplus) - Tel: +44 (0)1332 824781. Fax: +44(0)1332 824755. E-mail: [email protected]

EPMS for Euro 6000 in Spain

CECA, the association of savings banks in Spain,which operates the electronic purse Euro 6000, hastaken delivery of an Electronic Purse ManagementSystem (EPMS) from SIBS.

The system was developed by SIBS (SociedadeInterbancaria de Servicios), which manages thePortuguese automated teller machine (ATM) andpoint of sale (POS) network, and Hewlett-PackardCompany.

“We chose this technology because we are firmlyconvinced that it is the best,” said Braulio Medel,

President of CECA. According to Medel, thetechnology used in Euro 6000 makes it available toa far wider range of applications than any otherEPMS currently on the market. Euro 6000, amulticurrency card, can be supplied in whatevercurrency the client desires. It also is the only systemthat meets European standard CEN WG10.

The system implemented at CECA was developedby SIBS and is based on the technology that supportsthe Portuguese electronic purse system, PMB(Multibanco EP). HP built a fault-tolerant data-centrebased on its high-performance HP 9000 UNIXsystem platform to support the software. HP alsowas responsible for training CECA’s technicalpersonnel, for supporting the startup phase of theproject and for advising on system configuration.

Euro 6000 was launched in January. CECA said itexpects to issue 1 million cards by the end of 1997,generating an expected transaction volume of 15,000million Spanish pesetas, and 10 million cards withinthe next decade, with transaction volume expectedto reach 1 trillion Spanish pesetas by 2007.

In October, SIBS and HP began working on a similarproject in Costa Rica. This system is expected to golive by the end of the year.

Contacts: Rui Ferro Meneses, SIBS - Tel: +351 1847 3642. Fax: +351 1 793 5101.

Major Card Issuers Join SET

Four of the world’s major card issuers are joiningtogether to help lead the implementation of therecently published Secure Electronic Transaction(SET) 1.0 protocol, which provides a higher level ofsecurity for payment card transactions made overthe Internet. Under the name SETCo, AmericanExpress and JCB Company are joining MasterCardand Visa to manage the SET specifications, handlesoftware compliance testing and related functions,and address the issues related to the adoption of theglobal payment standard.

Contacts: Molly Faust, American Express - Tel: +1212 640 7453. • Jiro Sugiyama, JCB (in Japan) -Tel: +81 3 5259 1239. • Jeff Kaufman, JCB (in theUS) - Tel: +1 213 896 3702. • Ed Dixon, MasterCard- Tel: +1 914 249 5028. • Ryan Mikolasik, Visa -Tel: +1 650 432 5769.

News


GSM Cards for Hong Kong

Prepaid SIM cards that allow non-subscribers to usethe GSM network are being introduced by severalmobile service providers in Hong Kong.

First launched by Hong Kong Telecom in 1996Hutchinson Telecom and Smartone now also offercards. The prepaid cards give between 45 minutesand 4 hours of communication for HK $200-900 (US$21-96).

Gemplus has delivered 150,000 disposable GemX3cards to local operators. A number of souvenir cardshave been issued to commemorate the recent handover to China.

Contact: Lisa Colley, Gemplus - Tel: +44 (0)1705486444. Fax: +44 (0)1705 472081. E-mail:[email protected]

Smart Web-surfing from Shell

UK holders of Shell’s Smart Card, who also haveInternet access, will now be able to collect points incyberspace. SMART points will be scattered onseven different sites belonging to partners of themulti-company loyalty programme.

Points can be collected from Commercial Union,John Menzies, RAC, Shell UK, UCI cinemas,Victoria Wine and Vision Express.

Card holders can collect a maximum of seven pointsa week by clicking on the special smart creditsscattered around the sites. These can then beexchanged for gifts at Shell service stations and JohnMenzies stores nationwide.

Contact: Sarah James / Judy Everett, Shell UKMedia Relations. Tel: +44 (0)171 257 3100 / 3894.

Internet Christmas Shopping

Forget the crowds of Christmas shoppers in townthis year. The launch of e-Christmas will allow youto buy gifts from around the world without leavingthe house. Just go on-line to www.e-christmas.com

The project centres around a multi-lingual, multi-currency retail Web site with two objectives; toeducate and excite consumers and retailers byshowing the opportunities of electronic commerce.

The e-Christmas site has been designed to giveconsumers a convenient way of finding, choosingand buying their Christmas gifts whilst negatingmany of the perceived difficulties of shopping onthe Internet (eg. language, payment, shipping anddelivery). The e-Christmas site expects between20,000 - 50,000 hits a day.

The site is available in English, Dutch, French,German, Italian and Spanish. Payment systems willdiffer according to country but will cover major creditcards including Visa and Eurocard-MasterCard.

Contact: Mario Tilney Bassett, Text 100. Tel: +44(0)181 242 4201. E-mail: [email protected]

News


Right:Smartone Prepaid SIM Card

Far Right:The e-Christmas website

[Text 100]

Below Right:Actress Lesley Joseph helps

launch e-Christmas[Text 100]

News

Left:Skidata’s system onthe skislopes[Gemplus]


Festive Phonecards

GPT have manufactured 6,000 Smart phonecardsfor Manx Telecom. The cards feature the 19th centurycrofting village Cregneash situated in the South ofthe Isle of Man (see front). The restored thatchedcottages are an example of traditional island skillssuch as spinning, weaving and farming.

Contact: Christine Carter, Manx Telecom. Tel: +44(0) 1624 636024. Fax: +44 (0) 1624 636011.

Smart Parking for Shoppers

The Melbourne Shopping Centre in Australia has aSmart Card parking system designed to reward bigspenders. On entry to the car park the motoristreceives a Smart Card from an automatic dispensingmachine. The time of arrival and gate identificationnumber are stored on the card. Each shop in thecentre is equipped with a card reader. As the customershops the amount spent is recorded onto the card bythe retailer.

When the motorist leaves the car park the card isinserted into a reader at the exit. The details on thecard are fed into the fee computer. All the entry andexit booths are linked to the Central ControlComputer where information is collected each dayand stored. Data collected includes parking statistics,purchase information and location reports. Theinformation allows the shopping centre to work outthe average length of stay in the car park, amountspent per vehicle and peak shopping times.

Shoppers benefit from substantially reduced parkingrates and the shopping centre benefits from increasedtrading.

Contact: Roger W. Sayers, Australian RetailServices. Tel: +61 3 9326 5022. Fax: +61 3 98047055.

Phone Home at Christmas

BT Payphones is giving 1,000 BT Smart phonecardsto the Big Issue magazine in Scotland for their OpenHogmanay Shelter for homeless people.

In London BT is providing 2,000 £1 phonecardsand installing up to five payphones for guests and

helpers at the charity Crisis’ Open Christmas Shelter.The shelters provide a warm place to sleep, threemeals a day, entertainment and a range of servicesincluding hairdressing, housing advice, clothing,opticians, chiropody, medical and dental care.

Leslie King of BT said the phonecards “are given toguests so they can contact friends and family duringthe Christmas and New Year periods.” This is thesixth year BT has supported the Crisis Christmasshelters and the second year it has supported the BigIssue’s Open Hogmanay.

Contact: Leslie King, BT Payphones. Tel: +44 (0)181 666 7083. Fax: +44 (0)181 666 4602.

Smart Partnership

Gemplus and Skidata are aiming for new marketstogether. Gemplus acquired Skidata in March 1997,a move interpreted as strengthening Gemplus’sposition in the contactless card payments market.

Skidata has invested more than £11 million inresearch in the last three years. It’s main area ofexpertise is access control; specifically for ski liftsand car parks (see SCN March 1997). Gemplus hasnow announced the intention to aim for new marketssuch as loyalty cards for the tourist trade in citiesand theme parks. Skidata also developed anelectronic purse for tourist use in the City ofSaltzburg. Visitors had the choice of a Smart Cardor Swatch Access watch (see SCN June 1996).Gemplus said that this experience will lead to newAccess Watch applications in areas such as health,the e-purse and identification.

Contact: Lisa Colley, Gemplus. Tel: +44 (0)1705486444. Fax: +44 (0)1705 472081.

slide here please

MasterCard Targets SA Townships

South Africa’s crime-ridden townships will soon beable to use debit cards at ATMs and later carry cashelectronically on Mondex cards following anagreement between MasterCard and two majorbanks, ABSA and Standard Bank. The deal isexpected to double the number of South Africanswith access to payment by plastic.

The two banks will allow their ATMs to be used forMaestro cards - debit as opposed to credit cardsenabling customers to pay for goods and servicesusing funds in their deposit accounts.

MasterCard says it has also signed a franchise withthe two banks to allow them to introduce Mondexelectronic cash Smart Cards in South Africa, Lesotho,Swaziland and Namibia.

Many of South Africa’s townships do not even havea grocery store, let alone a bank, and only about fiveper cent of the 38 million population use credit cards.Many more have ATM cards, which only grant accessto money in the bank and offer no credit or paymentfacilities.

“We see South Africa as one of the first markets toseize the overall strategy of migrating to chip-basedproducts,” said MasterCard’s Henry Mundt. Headded that the Mondex card would be available fromlate next year.

Both ABSA and Standard Bank intend to use themulti-application operating system MULTOS tobring Maestro and Mondex functions together on asingle card.

Contacts: Robin O’Kelly, Mondex International -Tel: +44 (0)171 557 5036. Doug Rozman,MasterCard International - Tel: +1 914 249 5861.

Card Recharging - Big Business

Smart Card users worldwide will be recharging theircards more than 27 billion times in 2005, predicts anew study from Killen & Associates which pointsto new business opportunities in this market area.

The study says that consumers will elect to chargetheir Smart Cards at public telephones, gas stations,merchants (like Blockbuster Video, McDonald’s,and 7-11) and at home, using personal ATM services.

It adds that this behavioural change launches a hugemarket for financial institutions, telephonecompanies, and entrepreneurs that can provide cardcharging infrastructure and capabilities for multipleuse and clearing.

Michael Killen, Company President, said:“Continuation of established Smart Card use inEurope, plus rapid Smart Card acceptance elsewhere,will create a terrific demand for recharging thesecards.”

He added that early adapters had already begun thisprocess. Consumers in Belgium now used theBelgium PTT - Belgacom - to recharge Smart Cardsissued by banks, Swiss PTT was recharging cardsand, in New York, Citibank was testing a personalATM to recharge cards.

Fierce competition

The Killen & Associates study, Transferring Valueto Phone and Bank Cards: Opportunities forTelephone Companies and Financial ServicesProviders, to be released this month, predicts thatthe market for recharging consumers’ Smart Cardswill generate fierce competition between financialservices firms and telephone companies striving toprotect and expand their card-based business.

Contact: Bob Goodwin, Killen & Associates - Tel:+1 650 617 6137. Fax: +1 650 617 6140. E-mail:[email protected] Web site: http://www.killen.com

L&G Joint Venture in China

Landis & Gyr Communications and TianjinTelephone Equipment Factory have formed a jointventure to manufacture chip card payphones for theChinese market.

Called Tianjin Landis & Gyr Communications Co.Ltd., the new company, based in Tianjin City, isscheduled to be operational by March 1998.

The new company plans to manufacture and sellmore than 100,000 payphones within four years.Currently, L&G delivers sub-assembled parts toTTEF for assembly and testing. Later the newcompany will produce most payphones locally.

Contact: Adolf Deyhle, L&G Communications - Tel:+41 22 749 3510. Fax: +41 33 749 3208.

News


Chipper and Proton for the Internet

Holland and Belgium are both to introduce secureSmart Card payments and the reloading of electronicpurses over the Internet.

In Belgium, the Proton electronic purse is beinglaunched after testing by six partners - Banksys(developer of the Proton technology), Belgium AdValvas, EUnet, NetVision, Microsoft and PING.

Banksys says the purchase value of payments witha Proton card can be between 1BEF and 5,000 BEFand card users can use any PC provided it is fittedwith a C-ZAM/PC Smart Card reader.

Internet access provider PING will start distributing1,000 card readers to its subscribers this month andfrom 1 January at least 1,000 PING users will beable to make use of the payment services ofmerchants. However, the pilot project is open toeveryone and Internet users wishing to take part canorder a Smart Card reader from Ad Valvas on itsWeb site (http://www.advalvas.be) at a cost of 999BEF including VAT during the pilot phase.

More than two million Proton cards are currently inuse in Belgium today. As the Proton function isprovided on Belgium’s Bancontact/Mister Cashcards, some 7.5 million cards will be in use by theend of 1988. Cardholders will be able to chargeProton cards at a Banksys Internet site.

Ten traders were involved in the tests - RoulartaMedia Group, het Comuterwinkeltje, Ad Valvas,PING, Leplae Industries, The Webfactory, Index,Winkelregio, Proxis and Snackweb.

Cyber Chipper

In The Netherlands, the Chipper multi-applicationSmart Card developed by ING/Postbank andKPN/PTT Telecom, has been issued to over twomillion people since national roll-out started in Aprilthis year and the number of cards in the market isexpected to reach eight million in 1998.

Currently, Chipper offers secure identification,electronic purse payments and reloading, but as of19 December cardholders will be able to shop on theInternet and pay for low-value goods and servicesand reload their electronic purses over the Internetusing low-cost devices such as the TeleChipper (US$25) and the LineChipper (US $35).

News


The first merchants to accept Chipper payments overthe Internet will be Postbank, PTT Telecom, PTTPost and KPN MultiMedia.

“With the Chipper Internet payment solution, aquantum leap advancement in e-commerce is made,”says Cees Keetman, President of ChipperInernational. “The Chipper Smart Card conceptoffers a real solution for secure payments andidentification for low-priced goods and services allover the world.”

Chipper for Australia

Chipper Nederland has finalised an agreement withAustralian telecom operator Telstra to license theChipper technology and the basic infrastructure fora national roll-out of Chipper in Australia. ChipperNederland is also in discussions with other interestedparties around the world.

Contacts: Ronald Jimmink, Chipper International- Tel: +31 70 343 0859. Fax: +31 70 343 5059. E-mail: [email protected] Web site:http://www.chipper.com • Youri Tomatchov,Banksys - Tel: +32 2 727 6666. E-mail:[email protected]

Digital Identification Plan

VeriSign and Litronic last month agreed to resell anddistribute VeriSign Class 1 Digital IDs with Litronic’sNetSign as a solution that integrates Smart Cardswith Netscape Communicator.

“Digital certificates provide users with a powerful,flexible means for authenticating identity over anintranet, extranet or the Internet,” said Taher Elgamal,chief scientist at Netscape.

Based on Litronic’s Smart Card API, called CryptOS,NetSign allows users to download VeriSign DigitalIDs onto Smart Cards. NetSign, designed to secureInternet and enterprise communications comes in a“ready to use” package including a Litronic SmartCard reader, a Cryptoflex Smart Card, and Litronic’sSmart Card-enabling Netscape drop-in software,device driver and VeriSign Digital ID.

Contacts: Kelly Ryan, VeriSign - Tel: +1 415 4293424. • Valerie Coppi, Litronic - Tel: +1 714 8511085.

Denmark Leads in Purse Usage

Denmark, according to a new report frommanagement consultants Datamonitor, has thehighest number of electronic purse transactions percard in Europe and will make the most profit fromdigital cash while other schemes struggle.

Usage, not the scale of card issue, is the key variablein making money from the electronic purse, says thereport, Smart Cards in European Financial Services:1997-2002, which reveals that just 33% of electronicpurses issued in Europe remain actively in use afterthe initial trial period.

The shock news is that the major IT markets ofGermany, the UK and France are trailing behindDenmark.

According to Datamonitor: “In the coming yearDanish operators will record the third largest numberof transactions per scheme, despite having just a 1%-2% share of the European electronic purse installedbase. Only in Denmark will scheme operators collectin excess of $1 clear profit in transaction revenueper card.”

It adds, that given the high levels of usage, Danishoperators will benefit most from any future expansionin card issue volumes.

In comparison, while German electronic pursescheme operators have high card issue volumes,usage levels are very low. The report claims that theGeld Karte and P-Card schemes failed to gainwidespread support from merchants and consumers;levels of yearly spend per electronic purse are thethird lowest in western Europe after Sweden andItaly, terminal installation is struggling to keep pacewith electronic purse issue and consumers have littleopportunity to use the new devices.

Germany is therefore faced with the greatest costsin issuing cards, converting terminals andencouraging merchant participation, saysDatamonitor which believes that between 1997-1998, German scheme operators will struggle togenerate $0.30 profit per card.

SCN notes that the Danish electronic purse,DANMØNT, was the world’s first. It started with atrial in 1992 and had the backing of the financial andtelecommunications industries, the benefits of anopen system and one system operator, and was

introduced in carefully planned stages with successviewed in the long term.

In contrast, Germany has several competing schemes- Geld Karte, backed by the banks; PayCard operatedby Deutsche Telekom, and P-CARD by a commercialpartnership.

Geld Karte, for example, moved at great speed. Itstarted with a six-month pilot in 1996 leading tonational roll-out and 25 million cards issued by theend of that year but only some 700 card outlets.However, as we approach the end of 1997, there arenow around 40 million cards in the market - most ofthem Eurocheque cards - with the Geld Karte purse,and an installed base of some 50,000 terminals and15,000 loading devices.

Contact: Datamonitor - Tel: +44 (0)171 625 8548.Fax: +44 (0)171 625 5080.

L&G to Sell Payphone Business

Landis & Gyr Communications’ payphone activitieshave been excluded from the takeover of the SwissElectrowatt Group by the Germany-based SiemensGroup.

The European Commission last month approved theacquisition of the industrial arm of the ElectrowattGroup on the condition that it sold the payphoneactivities of L&G Communications to prevent a nearmonopoly situation in certain markets, particularlyin Germany, where both companies compete.

L&G has installed over 1.7 million public and privatepayphones in over 60 countries and is also a leadingsupplier of electronic payment solutions.

The EC ruling creates an interesting situation becauseL&G purchased German Smart Card manufacturerODS R. Oldenbourg Datensysteme in 1996 toprovide the range of cards it requires for its paymentsystems and enable it to market integrated andturnkey solutions.

However if Electrowatt can only sell the payphonebusiness of L&G, Siemens could acquire ODS andfollow other semiconductor manufacturers Philipsand Motorola into the Smart Card market.

Contact: Adolf Deyhle,L&G Communications - Tel:+41 22 749 3510. Fax: +41 22 749 3208.

News


Smart Card Diary


Smart Card Diary

Preventing Plastic Card and On-line Fraud,Regents Park Marriott, London, 26/27 January.

IIR - Tel: +44 (0)171 915 5149. Fax: +44 (0)171 9155628.

Smart Card ’98, Olympia 2, London, UK, 17-19February, 1998.

Turret RAI - Mrs Debby Cummins (Exhibition) -Tel: +44 (0)1895 454534. Fax: +44 (0)1895 454588.Mrs Julie Barrett (Conference) - Tel: +44 (0)1895454533. Fax: +44 (0)1895 454578. E-mail:[email protected]

NZ Retail Solutions ’98, Auckland, New Zealand,23-25 March, 1998.

AIC Exhibitions - Peter Darley - Tel: +612 92105781. Fax: +612 9223 8216. E-mail:[email protected]

SELECT Multi-application Card

Standard Chartered Bank, the National Universityof Singapore (NUS) and Visa International haveintroduced a payment card technology combiningloyalty and electronic commerce applications in amulti-function chip card.

Called the SELECT (Smart Electronic Loyalty E-Commerce Transaction) application, it claims to bethe first Smart credit card with “digital certificate”and secret key complying with SET 1.0 stored in thechip rather than the hard disk of the cardholder’s PC,giving the advantage of portability for use on anyPC with an appropriate card reader.

The same card, which complies with the EMVspecifications, can also be used as a normal creditcard at retail outlets.

A number of companies are involved in SELECTincluding Gemplus, which provided the Smart Cards,readers and card payment technology; AxiomatiqueInternational, Goldtron Interactive and Privylink.

Contact: Flavie Gill, Gemplus - Tel: +33 (0)4 42 3656 83. E-mail: [email protected]

Visa Cash Pilot for Ireland

Ireland’s two largest banks, AIB Bank and Bank ofIreland, plan to pilot Visa Cash in a partnership withTelecom Eireann. The card will use public keycryptography which is also being used in the UKVisa Cash pilot in Leeds (SCN November 1997).

A 12-month pilot will start in Ennis, Ireland’s“Information Age Town,” next Autumn when thebanks will issue about 15,000 Visa Cash cards foruse in up to 300 retailers, ranging from grocery andhardware stores to car parks and vending machines.

Contact: Colin Bapti, Visa International - Tel: +44(0)171 937 8111. Fax: +44 (0)171 937 0877

Le Gal is New Gemplus CEO

Daniel Le Gal, one of the co-founders of Gemplus,has taken over as Chairman and CEO from MarcLassus who, supported by Hubert Giraud, formerGeneral Manager, will concentrate on strategicbusiness outside Europe.

Operating from London and Paris, Lassus and Giraudwill focus on expansion through strategic alliances,mergers and take-overs and the development of newbusinesses. Le Gal will be based at Gemplusheadquarters in Gemenos, in the South of France.

In addition, three independent operations have beenset up covering key regions - Asia-Pacific will behandled from Singapore by Remy de Tonnac; theAmericas by Dominique Trempont based inRedwood City, California; and Europe, the MiddleEast and Africa by Frederic Spagnou who will operatefrom Gemenos.

Software Centre Opens in India

DataCard Corporation has opened a softwaredevelopment centre in Bangalore, India, in a jointventure with SaveSmart, a California-based Internetservices company.

Contacts: Mark Iverson, DataCard - Tel: +1 612988 1763. E-mail: [email protected] Krishnamurthy, SaveSmart - Tel: +1 415 5620847. E-mail: [email protected]

Smart Card Tutorial


It is this transaction identifier that is sent in boththe OI and PI messages that allows the paymentgateway to link them both together when themerchant requests the payment authorisation.The payment instruction is enciphered by asymmetric process for which the randomlychosen key is enciphered by the public key ofthe payment gateway. This ensures that themerchant cannot decode the paymentinstruction. The steps in the creation of thiscombined OI and PI are shown in figure 2.Readers should observe the “dual signature”concept where the two message hashes areconcatenated and signed. Now lets look at theprocessing steps followed by the merchant whenhe receives the purchase request message:

1 Check the Cardholder Public KeyCertificate by tracing through to the root

2 Check the Dual Certificate:# Apply hash function to IO message# Concatenate with PI digest# Apply check signature to dual signature

using cardholder public key# Compare recovered digest with

computed digest

3 The merchant requests authorisation fromthe payment gateway (acquirer):# Forward the enciphered

payment message# forward the digital envelope# send the enciphered

authorisation request# send the digital envelope

(the enciphered key K2)# forward the Cardholder Key Certificate# send the Merchant Signature Public

Key Certificate# send the Merchant Key-Exchange

Key certificate

Next month we will look at the various responsemessages - and as we shall see there is still a fairamount of processing to come and yes we havenot forgotten the Smart Card, its potential roleis still to come.

David Everett

Integrated Circuit Card Standardsand Specification Part 15

Electronic Payment Systems - SET (part 2)

Last month we looked at the Initiate Requestand Initiate Response messages between theCardholder and the Merchant. Having receivedthe Initiate Response message the Cardholderneeds to check it’s authenticity, in order to checkthe response data signature the cardholder willalso need to check the Merchant Signature KeyCertificate. The necessary stages are shown infigure 1. It should be noted that the Cardholderhas to trace through the Certificate hierarchywhere he will need to have a copy of the BrandPublic Key signed by the root CertificateAuthority (CA). The Merchant Public Key andthe Payment Gateway Public Key will be savedfor further use. It is assumed that all entities willhave a copy of the root key stored in their system.

Now life becomes a little more difficult whenwe consider the purchase request (showninadvertently last month in figure 4 as paymentrequest). This message involves two distinctparts, the Order Instruction (OI) and the PaymentInstruction (PI). The Order Instruction containsdata that allows the merchant to identify theparticular order. The actual description of thegoods is assumed to have been previouslyexchanged between the Cardholder and theMerchant prior to the SET message protocol. Atransaction identifier received from theMerchant in the Initiate Response Message isincorporated in both the Order Instruction andPayment Instruction messages. These twomessages are both sent together to the Merchantbut the security arrangements must ensure that:

# The merchant cannot see the Payment Instruction

# The Payment Gateway (acquirer) cannotsee the Order Instruction

# The two messages are linked so that theycan only be used together.

The Payment Instruction Message includes datarelating to the card data, the actual purchasevalue and the order and transaction identifiers.

Smart Card Tutorial


Left:Figure 1Checking the InitiateResponse Message

Smart Card Tutorial


Right:Figure 2

The PurchaseRequest Message

239

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SCN Staff Wins Dance Award

Albert Andoh, SCN’s Marketing Manager and dancepartner were awarded third place in the ‘Dance witha Stranger’ section of the UK National JiveChampionships. Over 500 couples competed duringthe one day event.

To mark Christmas this year Smart Card News isholding a caption competition. To get you startedhere are a few suggestions from the SCN team:

“Okay, okay I’ll have a 5 year subscription, a Guideand an electronic purse report”, “Get that Smart Cardout of my back”, “This should earn us some extraloyalty points”.

If you can do better send your Smart Card relatedideas to us by fax: +44 (0) 1273 624433 or e-mail:[email protected] The winner will receive amystery prize.

Dragon Smart Phone Card

The BT phonecard pictured on the front page is froma series called ‘The Fifth Age’ and was designed byDungeons and Dragons artist Jeff Easley. Theillustration represents a period in the Dragonlancesaga writtem by fantasy authors Margaret Weis andTracey Hickman. The cards have been popular withcollectors and sold out almost immediately.

Contact: Sunita Ramgoolam, Wizards of the Coast.Tel: +44 (0) 1628 780801. Fax: +44 (0) 1628 780602.

Diploma Awarded

Royal Holloway (University of London) and Zergohas awarded their Postgraduate Diploma inInformation Security to graduate mature studentDavid Main, Technology Development Manager forVisa International Service Association.

Mr Main has been studying for three years on a part-time basis; first gaining a grounding in the broadaspects of information security before focusing ontopics specifically related to his work at Visa.

The course is designed to suit busy people who needto keep up with security developments whileapplying new skills at work. Students can choosefrom around thirty modules covering all aspects ofsecurity management, system security,cryptography, Internet and network security.

Mr Main chose cryptography as his area ofspecialisation, with particular reference tocryptographic techniques of data authentication tokeep pace with the increasing use of Smart Cardsfor GSM SIM cards, credit cards, electronic pursesand the potential use of biometric information toreplace PIN numbers.

Mr Main said the course struck “the right balancebetween academic thoroughness and the up-to-theminute practical experience provided by the Zergoteam”. The results of his project work have beensummarised in a dissertation on “Cryptography andChipcards” written with Visa senior management asa target readership.

Contact: Jeannette Schael-Fleming, SCHAELLimited. - Tel: +44 (0) 1635 299116. Fax: +44 (0)1635 299115.

News


Right:David Main, Visa

International, with theRoyal Holloway Diploma

in Information Security

Below Right:Albert Andoh pictured

with regular dancingpartner Ann Carrington.

Inset: Third PlaceDWAS Medal

british govt launches smart card initiative · 2015-12-06 · 222 smart card news december 1997...

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