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Card Readers Besides covering the cost of the smart card, issuers may have to foot the bill for fielding devices that can read chip cards. For instance, American Express Co. The readers allow cardholders to use the smart cards to shop securely online, a key benefit touted by AmEx and Visa. Indeed, Visa officials estimate that today it costs U. Banks also will want smart cards used at automated teller machines and at conventional retail stores. That is especially true for large chain stores, whose card readers often are integrated into electronic cash registers.

Both MasterCard and Visa officials argue that in most markets a smart card reader adds practically nothing to the cost of a standalone POS terminal. But while the card associations say the cost of making new POS terminals smart card-ready approaches zero, merchants do not agree. John Simpson, director of financial services at the British Retail Consortium, says merchants are concerned that checkout clerks will not know whether to handle a card as a chip card or as a mag-stripe card during the next several years, when some consumers will have smart cards and others will not.

One solution would add motorized readers to POS terminals. Consumers would put their cards into the readers, which would take the required data off the chip or magnetic stripe. Such debates are inevitable when parties with different interests jointly move from one technology to another. But analysts say there is little debate that banks in several countries are moving to smart cards, and that the growing demand is lowering card costs. Today, most bank chip cards carry just credit and debit features or an electronic purse. High volumes also have brought lower prices and more powerful technology to the telecommunications sector, the largest single user of chip cards.

On the other hand, card issuers in such sectors as universities, computer network security and transit may still find smart cards an expensive option, either because volumes remain low or because applications for chip cards are still new. In the telecom arena, the biggest demand for chip cards is for prepaid phone cards for pay telephones. Those memory cards use the least sophisticated type of chip and primarily are used to store data where high security is not required.

Such prepaid cards will account this year for Cheap Chips Big phone companies have been buying chip-based prepaid cards for several years in such countries as France and Germany, and, more recently, China and Mexico. Dreifus, the Florida-based consultant, puts the average price at 30 cents, and foresees little change. The recent volume breakthroughs have been in the subscriber identity module cards that identify users of GSM mobile phones to their phone companies.

SIM card sales reached nearly million units last year, more than half of the global demand for microprocessor-based smart cards, Phillips says. Microprocessor cards can perform complex calculations and offer higher security than memory cards. Having invested billions in building their networks, and trying to woo customers with innovative services, network operators have not been overly concerned about price.

Plenty Of Choices Operators do have to pay to license the software that enables consumers to find the nearest open parking spot or buy tickets to a concert with their mobile phones. However, they should have plenty to choose from. For the flip side of the telco experience, consider universities, where smart card demand has increased slowly. Low volumes have kept prices high. The high cost of smart cards kept the University of Illinois from moving to a chip-based student ID card, says Gary Brinkley, director of business systems analysis.

Sectors such as computer network security and mass transit fall in between the sluggish university sector and the rapid chip card growth in banking and mobile phones. While very different, the two sectors have some things in common: Network security is closely tied to the authentication technology known as PKI, or public key infrastructure.

PKI-based digital certificates contain mathematically linked public keys, or strings of characters, linked to other, private, keys that allow individuals to encrypt documents and to identify themselves over networks, including the Internet. A growing number of corporations and government agencies are issuing employees digital certificates—either on smart cards or as software that sits on PC hard drives—to guarantee that only authorized individuals access confidential data and to allow workers to do business securely online.

Department of Defense, which plans to issue 4 million military and civilian employees chip cards with digital certificates by late Performing the complex encryption routines required by PKI mandates a powerful card.

Putting digital certificates on chip cards means attaching chip card readers to PCs. Federal Deposit Insurance Corp. But smart cards and readers are just the visible part of online security. Organizations must implement policies for issuing and revoking certificates, assigning access rights, determining who can digitally sign which documents, among other issues. General Services Administration, which has led the U. One country where digital certificates are becoming more common is Sweden, where Posten AB, the Swedish postal service, has issued some , digital certificates in the past year.

About 40, certificates were issued on smart cards, says Evald Persson, marketing manager for Posten. The expensive part of PKI is creating a trust authority, an organization that identifies applicants, and issues and manages the certificates. Contactless Costs More In transit, too, costs are dropping as volumes grow. Transit operators prefer contactless cards that commuters wave past radio signal-emitting readers, because the transaction is faster and there are few moving parts on the readers to maintain.

Contactless cards, which carry an antenna attached to the chip, came upon the scene later than contact cards. Industry executives say such cards cost roughly twice as much as contact cards of comparable power, as manufacturing lines are not optimized for contactless cards.

However, prices are dropping as big transit projects order in quantity. For instance, Washington, D. Some transit agencies are going with microprocessor-based cards to allow the addition of a variety of nontransit applications. If fully rolled out, the system is expected to require 1.

TransLink plans to use 8K microprocessor cards with both a contact and contactless interfaces, suited both for banking and transit applications. RATP is testing card durability as it moves toward a chip card rollout. As in other areas, cards represent only a part of the expense of building a smart card system. For instance, he says, Paris can buy five contactless chip card readers for buses for the price of one mag-stripe card reader.

In any case, the major cost is in operating the system, including maintenance, customer service, selling tickets and paying bank fees when commuters buy tickets with credit cards, Driver says. The Contactless e-Ticket Single ride, a paper ticket with a chip containing bits or bits of memory from STMicroelectronics, is priced between 15 cents and 30 cents. Ampelas says the disposable ticket was developed in collaboration with the Calypso association of European transit operators, and that other vendors eventually will be allowed to offer the technology.

Other advances in technology will bring down smart card implementation costs in other arenas, as well. For instance, consultant Dreifus says card vendors will have available within the next year chip cards that can communicate directly with the USB ports standard on PCs today. That will allow smart cards to connect to PCs through inexpensive adapters that will cost a few dollars or less, Dreifus says. They are in the Far East. Card issuers in industries generating the strongest smart card demand, such as banking and telecommunications, can expect the fastest improvements in price and performance.

Department of Veterans Affairs. Even VA officials concede veterans often have to fill out the same paperwork over again when they move from one facility to the next. And many vets must fill out lengthy forms, sometimes every month, to apply for benefits or prove their continuing eligibility for services they already receive. The agency plans to distribute smart cards to , veterans in the Midwest by the end of April, and to issue 4.

One of the earliest rollouts began last April in Amman, Jordan, where the National Health Insurance Administration, which administers health insurance plans, introduced its chip-based Electronic Insurance Card. Insurance company employees use their chip cards to access claims data. Gammoh, general manager of NatHealth, says the company launched the program to combat the three major causes of health insurance losses: Much of the savings came from preventing members from giving their cards to friends and relatives, and by eliminating redundant procedures.

Like other programs that place confidential medical information on a Web server, NatHealth has given thought to privacy. In addition, all the data is encrypted. Insured patients, insurance companies and health care providers all can use the smart cards to gain access to data through the system, although each category has access to different types of data, Gammoh says.

He says NatHealth aims to expand the system to Saudi Arabia, where the government last year mandated health insurance for 8 million foreign workers. Whatever the benefits of such a multiprovider system, there are costs that are measured in both dollars and human lives. Administration is said to account for between 28 cents and 30 cents of every dollar spent on health care in the United States. And lack of complete information on patients contributes to the deaths of , hospitalized individuals every year from adverse drug reactions, says the National Coordinating Council for Medical Error and Prevention.

In addition, the chip contains encrypted code that points to more complete patient information on a Web server. Limited Access University of Illinois students will test the smart card with patients in the spring. When a patient hands a pharmacist his or her chip card, the pharmacist will call up the medications the patient is taking and use Centurion software to make sure any new prescription can be taken safely with the existing medications. The smart card carried by each doctor, nurse, pharmacist, lab technician or other professional controls how much data that individual can access.

That allows a patient to give his cardiologist access to his heart-related test results, while limiting his dentist only to information regarding dental work. At the same time, he can let everyone authorized to read the card know that he is diabetic. The cards include a digital certificate so a doctor asked for patient data, for instance, can be certain that the individual seeking the information is who he or she claims to be. The legislation, passed in , is aimed at making health care more efficient by replacing the mountains of paper-based health forms with electronic messages.

At the same time, the U. With the HIPAA rules not due to take full effect for two years, Crowell says health care providers are being cautious about what technologies they choose. However, he believes those providers ultimately will be forced to adopt strong security, perhaps including smart cards, especially if the final rules threaten health care providers with fines, jail terms and patient lawsuits when personal data is released improperly.

The Veterans Affairs agency is not waiting. VA will put a smart card into the hands of every veteran using VA services by the end of , says Kent Simonis, director of health administration services. More complete data will be available to health care professionals at VA-controlled Web sites.

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The most high-tech feature allows veterans to apply for benefits and file required reports online, signing those forms electronically with a digital certificate carried on the card. He notes that former President Bill Clinton last year signed a bill making digital signatures legal in the United States. The cards will hold digital certificates good for one use only.

If a veteran uses the certificate, he or she then will be given a permanent credential. Simonis says there is no need to give a more costly permanent digital certificate to those veterans who will never use the system. For now, Simonis says, VA obtains digital certificates free through a U. But once the agency understands how veterans will use digital certificates, Simonis says, "we will re-evaluate our options to ensure maximum functionality at the lowest cost possible.

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For instance, chip cards are in the plans of Turlock, Calif. Today, members must call the nonprofit organization to update their file when, for instance, a doctor prescribes a new medication. There are 4, emergency rooms in the United States, say Humetrix officials. The smart card also will carry an encrypted copy of the emergency medical data in case Internet access is not available. MedicAlert plans a test with about 5, consumers in the coming months, most likely in areas of California surrounding universities, where there would be a technology-savvy population, a MedicAlert spokesperson says.

Meanwhile, six New York City methadone clinics plan to issue smart cards this spring as a way to improve efficiency, while giving oversight agencies a way to check that the clinics are following the stringent rules regarding heroin-replacement drug therapy. One of the Addiction Research and Treatment Clinics began testing the chip card last year, and will issue cards to more than 2, patients this month, says Lew Cordina, vice president of support services at Islip, N.

Each chip card will contain a digitized photograph of the patient, enabling clinic personnel to verify that the cardholder is the person entitled to receive methadone. The chip card can store up to readings, and also allows the cardholder to transfer data to an Internet site. Lifestream addresses them by splitting up data between two servers, so that the information collected during a blood test goes to one computer, while data identifying the individual is stored on a separate server. The data can only be reconnected when the patient inserts their card into a reader, Siemens says.

Even more security will be required before consumers put their health data on the Web, argue executives at Atlanta-based eMedicalFiles Inc. Singer says eMedicalFiles will offer consumers a kilobyte chip card carrying emergency medical information.

Singer says his company will begin pilots early this year with a major university hospital, a self-insured private employer and a health insurance company. He declined to provide details, but says of the initiative, "If we can put the patient in control of their information and have it with them on a real-time basis as they walk through the continuum of medical care, that information would lead to a more efficient process.

Employees fill out health profiles on a secure Web site, and download data to their kilobyte smart card. Cochran says the goal is to lower health care costs, improve quality of care and convince high-tech workers to stay at Microsoft. By that time, it could be just one of several projects using smart cards to access Web-based health data.

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In addition, the contract allows 14 other bus operators in Maryland and northern Virginia to buy fareboxes on the same terms as the Washington Metropolitan Area Transit Authority. The 15 transit operators are discussing adoption of a common fare-collection technology so that commuters could use the same smart card throughout the region. The operators have asked for industry comment on the requirements for establishing a regional clearinghouse that could settle fare payments among the various operators, as well as handling the sale of chip cards and customer service, says Greg Garback, executive officer for the department of finance and program development at the Washington transit agency.

Such a regional program could allow some 1 million commuters to use a single smart card on 3, buses and the D. Petro , has selected three industry-leading companies to provide telecommunications and network services for its nationwide system of truck stops. The three companies are SmartStop , Inc.

SmartStop will provide overall management of the project, which will create a cost-effective voice and data network that addresses the unique needs and demands of fleets and professional long-haul drivers across the nation. These benefits include lower costs and driver convenience. The truck stop chain currently operates 51 travel plazas in 29 states.

Petro Stopping Centers are one stop, multi-service facilities featuring separate diesel and gasoline fueling facilities, Iron Skillet restaurants, travel and convenience stores and Petro: Lube preventive maintenance centers. For more information on Petro visit the companies website at www. Headquartered in Portland, Oregon, SmartStop is a national telecommunications-based solutions provider to the trucking industry.

The company provides truck stops, commercial fleets, and drivers with a variety of voice, data and video communications and smart card transaction solutions. Lucent Technologies , headquartered in Murray Hill, N. Bell Labs is the research and development arm of the company. For more information on Lucent Technologies, visit the companies web site at www. VeriPass is a control, monitoring, and administration system which includes quick automated customer authorization, tracking and billing for vehicles at retail gas stations.

Once the key tag is activated, it is instantly ready for customer use at the gas dispenser. With just a touch by the customer, the authorization information is sent to the host, and the dispenser is ready for fueling. Each dispenser contains an activation pad linked to a station controller that sends card information to a host for authorization.

We see a great demand from the worldwide market for such a product. The VeriPass system incorporates a highly secured smart card system that offers safe and easy transactions. Easy to implement for retailers, an activation unit inside the store securely writes the features such as frequency or loyalty, stored value, authorization and co-marketing on a key tag.

Established in , OTI has applied its technologies to several applications, such as gasoline management GMS , automated parking control EasyPark , electronic purse, mass transit, membership benefits, waste disposal management and other unique niche market applications. Projects from China to South Africa and Germany have been launched since VeriFone has shipped more than six million electronic payment systems, which are used in over countries. With over 25 major oil companies as customers, it is the industry leader in universal integrated dispenser and network control.

Ruby has been extremely successful and today has over 13, systems installed in the US. The VeriFone Ruby SuperSystem supports over 25 payment card networks, as well as major dispensers, card readers, scanners and interfaces to car washes, tank gauge monitors, back office packages and many other peripherals. All other company names, brands or products may be trademarks or registered trademarks of their respective owners. XOM announced today that for the first time, consumers nationwide will be able to use the innovative Speedpass TM payment system to purchase products inside participating convenience stores at Mobil-branded service stations nationwide.

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In addition, ExxonMobil announced that it plans to extend Speedpass to Exxon-branded service stations and convenience stores in early By the end of the summer, more than 3, Mobil convenience stores will be equipped to offer Speedpass for purchases inside the store. The convenience of Speedpass allows consumers to immediately charge purchases using tiny plastic transponders without opening wallets or purses for credit cards or cash.

Introduced at fuel pumps in , the Speedpass program has been welcomed by e than four million customersd enrollment continues to grow. The service is provided free to customers who enroll in the program. Purchases are charged to the credit card or check card selected by the customer at the time of enrollment. Making Convenience Stores More Convenient Easy-to-use indoor Speedpass reader units will be located on the checkout counter next to cash registers. A store customer simply waves a Speedpass key tag over the "Place Speedpass Here" box on the counter-top reader. A receipt is automatically issued and the customer is ready to go.

There is no need for cash or cards. According to Carter, the unique payment system sets participating Mobil-branded service stations and convenience stores apart from competitors by enhancing customer satisfaction and loyalty. In addition, the system provides local dealers, distributors and store managers with a foundation upon which to develop strategic consumer reward programs that will further strengthen customer relationships. The national rollout follows a store trial in St. Louis where customers reported that they valued the increased convenience and simplicity of using Speedpass inside.

Louis customers have been using their Speedpass tags increasingly and our research indicates that they appreciate the faster payment method and freedom from paying with cash," Carter noted. The company is currently making the Speedpass program available to all approved participating Mobil service stations regardless of the brand name their convenience store operates under. On The Run TM , Mobil Mart and other locally-branded convenience stores located at Mobil service stations can offer the payment system to their customers. The same type of availability is expected to apply to convenience stores operated by Exxon-branded service stations when the program is extended next year.

For more information, visit ExxonMobil at www. Photos available upon request. This Access Asia report analyzes the market for automotives in Hong Kong, which remains a major Asian marketplace for luxury autos as well as standard family sedans, smaller vehicles, taxis and motorcycles despite the recent regional recession.

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Additionally, the report examines how the demand for high-end marques is growing despite traffic congestion, restricted parking facilities and taxation. The report begins by providing basic background information on the Hong Kong automobile market. Then the following chapters are broken down by sector, and company market share data are supplied. The report examines such key issues as fuel prices; new legislation; the Hong Kong transportation strategy including government attempts to boost public transport and reduce pollution; vehicle parking facilities; parking meters; gas stations; LPG taxi filling stations; and the resurgence of car theft.

Includes a thorough SWOT analysis, plus contact information for key government departments. This product is available in PDF or hardcopy format. Please select a delivery format from the drop down menu. Guten Morgen Gruss optimaxx. Damals hatte auch Vorstand Dirk Oevermann das Unternehmen verlassen http: SmartStop plans to further reduce its prepaid calling card costs by creating data links to its prepaid platform provider and processing calls directly at the D2V e.

SmartStop provides public access Internet terminals at selected SmartStop locations. These terminals currently provide customers with dedicated high-speed Internet access, email capabilities and printing capabilities. Smart Cards SmartStop is researching and developing a smart card program to be deployed at selected network locations. Management believes that these truck stops will create a national "closed campus" environment for communications and purchases. SmartStop plans to test telecommunications, money transfer and other capabilities during the fiscal and The Company plans to eventually expand this functionality to allow drivers and fleets utilize a single card to purchase nearly all services at SmartStop locations.

Integrated identification, access, purchase and loyalty functionality on a single card. A decrease in administrative costs due to reduced handling of currency by moving to smart card stored value purchases. New product opportunities to increase customer loyalty, decrease costs or increase commission revenues.

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