Smart Cards in Business Conference 1997

European Transport & Telematics Systems Ltd.

Smart Cards in Business Conference
2 Day International Conference
12th & 13th November, 1997
Royal Hospital Kilmainham, Dublin

Welcome to the 1997 Smart Cards in Business Conference Programme (SCiB 1997)

Smart Cards in Business '97 took place on 12-13th November at the Royal Hospital, Kilmainham in Dublin, Ireland.
The Conference included 22 speakers from 7 countries on the leading themes for smart cards. Four sessions were held on Electronic Purse, Electronic Commerce, Transport Applications, and the Multi-Application Environment.
Proceedings of the Conference are available from ETTS priced at IEP 50. The proceedings include over 200 pages which include the highlights of the speakers materials, as well as many of their slide presentations and illustrations.
Just fax us at + 353 1 4929 757 or email us at etts@indigo.ie .
The high powered line up for SCiB'97 was:

Speaker Paper Outline

Day 1 The Business World, Session 1, The Electronic Purse

Joanne Reader
Barcleycard
UK
VisaCash - the UK and Beyond
This presentation will focus on the experiences and lessons learned from world-wide trials and the key players in the success of VisaCash - the consumers, retailers and banks. It will also take a look at the future of VisaCash as it expands world-wide and an in-depth look at the VisaCash UK trial.

John Tunstall
Mondex
UK
Mondex - Global solution for open Electronic Purse
Mondex has been one of the most visable smart card concepts, and has a very strong implementation framework. Central to this is MULTOS, which allows Mondex to site on virtually any smart card operating system. The presentation discussed MULTOS in the context of allowing Mondex to be implemented globally

Ciaran Kilbride
Bank of Ireland
IE
Consumer Attitudes - Ireland and Europe Compared
The paper presents the results of research commissioned by Bank of Ireland into the attitudes of the Irish Consumer to smart cards and electronic purse. This research was specifically designed to be compared with high quality research recently completed in other European countries and so provides a fascinating and informative guide to the development of electronic purse in Ireland.

Paul Breen
ETTS
IE
Integrated Electronic Purse and Transport Payments in Dublin
This presentation will look at the CONCERT/CAROLAN project which is responsible for the implementation of integrated transport ticketing systems, payment for parking and electronic purse. The presentation will describe the details of the pilot project and the implementation of a contact smart card in Bray and Dublin, starting November 1997.

Gerry Looby
CSI
IE
Electronic Purse - The Smart Card killer application?
CSI provide electronic payment, purse and support systems. The paper examines how electronic purse related to other applications resident on the card such as loyalty, health care and fuel purchase. Case studies in UAE, UK, Costa Rica and Nigeria are examined.

Denise McDonald
ICL
IE
ICL International Experiences with Electronic Money
ICL's smart card system, SmartCity EMS, has been installed in over 50 sites world-wide in locations as diverse as Nigeria and Moscow, Zimbabwe and Florida, Siberia and Japan. Over half a million cards have been issued to run in SmartCity, an electronic purse and full multi-application system. The talk will focus on how a Dublin based company operates so successfully in all four corners of the globe.

Day 1 The Business World, Session 2, Electronic Commerce

Alan Leibert
Virtual Precincts
UK
Virtual Precincts - A new approach to shopping
The advent of digital TV services brings a whole range of new services to the home PC including video on demand, interactive shopping, games, banking, pay per view services, Internet etc. Access to and payment for these services will be controlled by smart card inserted into a digital set top box. The presentation of broadband, multimedia, home shopping will show one example of what these new services can bring and how the smart card plays an essential part in enabling these services.

Chandra Patni
Thyron Ltd.
UK
The Implementation of a Public Key Infrastructure in the UK
The UK banking industry has turned to Public Key Cryptography as the means of securing transaction data across wide area networks and of course, in the future, the Internet. Certification Authorities and Registration Authorities for certifying public keys and setting up users have become an integral part of these systems. Smartcard and smart card reader/writer devices are being used as the secure electronic tokens for functions such as transporting the security keys, performing security functions and ensuring the authenticity of the card holder. This paper will present how the Public Key Infrastructure is being implemented within the UK and how the different entities of the system link together.

David Sinnott
Baltimore Technologies
IE
Securing Electronic Transactions
Baltimore technologies are a world-player in encryption technologies and algorithm development for securing electronic transactions. The basic requirement for security are explored, and methods are set out. The paper stresses the need to adopt and invest in secure systems in order to benefit fully from Electronic Commerce.

Noel O'Duille
Bull Information Systems
IE
Electronic Commerce
Electronic Commerce is a new frontier for IT in the 21st Century. Electronic Commerce needs secure payment means to really take off. Current PC based solutions have definite weaknesses. Smart Cards are already securing open architectures. Its a short step therefore to using a smart card approach to build a trusted layer from the card to the bank and thus secure internet payments.

Michael Sack
SCM Microsystems
UK
DVB Common Interface
The PCMCIA based DVB Common interface has been developed for: Conditional Access and other application, standardised by Cenelec in Europe and Ness in the U.S. Common Interface enables standard digital TV equipment such as Set Top [ Boxes by moving broadcaster and application specific features to removable modules (PCMCIA type). Conditional Access modules carrying de-scrambling technology and Smart Card Interface are already in use in some countries, considered to be the standard in many others. It is also considered the other applications such as electronic shopping, electronic banking or education will combine PCMCIA modules and Smart Cards. Together with communication modules this will enable a new, large Smart Card market for interactive TV and Internet Broadcasting.

Denis Madden
Trintech
IE
Embracing new technologies to meet electronic purse acceptance demands
Trintech provides a wide range of terminal equipment for the retail and card-holder management sectors, and have successfully entered the German market. The presentation examines the key market sectors and the requirements for terminals, taking particular account of the merchant's viewpoint.

Day 2 The Applications World, Session 3, Transport

Rory Boland
Dublin Corporation
IE
Implementing Parking Strategies in Dublin
This presentation describes the current development in parking policy in Dublin in particular looking at how technology enables these policies to be implemented with regard to Smart Cards. The presentation will focus on applications such as zone access control and payment for parking.

Peter Gilbourne
ParCard
IE
Smart Card Parking Systems in the USA
Following a review of the structure and operations of the parking business in the USA, this paper describes the development and the technical approach of the ParCard system. Appropriate technology and financial partners had to be secured to develop and implement a family of smart card in-car and on-street technologies. The pilot system is currently being established in Boston. This paper will provide the first results from the project, and consider the global approach for ParCard.

Arild Skadsheim
Avenir
NO
Smart Cards at the Storebaelt Bridge in Denmark
This paper describes the toll collection at Storebælt Bridge in Denmark, which is based on smart cards. The technologies and the payment systems are described, including the approach for both subscribers and for non-subscribers. The practicalities of implementation are discussed, and recommendations are offered to those seeking to put similar systems in place.

Claudia Binazzi
ATAF
IT
Integrated Transport Payments in the Florence region
Smart cards are already used in Italy for individual transport applications. The TISM project integrates VIAPASS - motorway tolling, public transport and parking payments in the region of Prato, near Florence. The common smart card allows the individual operators to implement their own payment strategies while accepting the common card. The project entered Phase 2 during the summer 1997 with increased distribution of cards and additional acceptance points. The operators, including the Florence public transport company ATAF, will assess wide scale deployment based on the Prato results. ATAF also examine the potential to integrate with the AVL system.

Pauli Makela
InterMarketing
FI
New Developments in Smart Card Systems for Surface PT
InterMarketing is a leading Finnish supplier of ticketing systems for public transport. This paper describes the range of systems implemented in Finland and elsewhere.

Day 2 The Applications World, Session 4, Multi-Application Environment

Robert Russell
Michigan University
US
Smart Cards at the University of Michigan
The University of Michigan one of America's largest universities and medical centres, has over 70,000 smart cards currently in circulation. This hybrid card, which included a computer chip, magnetic stripe and bar-code is also the official identification card for all students, faculty, staff, and visitors. In addition to traditional identification card services, the Mcard provides financial services through electronic purse and debit applications. This presentation will include a summary of the program to date and a discussion of the business case, revenue opportunities, and the realities of implementing leading edge card technology.

Alberto Bonetti
ASM Brescia
IT
Integrated City Application on Smart Cards in Brescia
This paper will describe the Citycard project under development in Brescia, in the North of Italy. This project implies the experimental distribution of some 20,000 electronic cards (with a microchip and a magnetic strip) able to support a differentiated set of functionalities resident on the card: from a general purpose electronic wallet (MiniPay) to health emergency features (Cardlink 2 project) from schools inscription to automatic certification, from public transportation subscriptions to parking payment, from technical services (water, gas, electricity, heat) requests for a contract to bills payment. The paper will present the progress of the project, the results achieved as well as the development foreseen.

Tony Murphy
Norcontel
IE
Work Assessment and ID in the Off-Shore Industry
The Safety-Net project demonstrated how multi-media telematics can facilitate increased levels of competence amongst employees engaged in safety critical tasks in the Rail, Maritime, Ports and Offshore exploration sectors. Norcontel have developed smart cards applications which provide secure portable files for both user identification and for work authorisation, and is designed to work in a hostile environment. The paper describes the context and requirements, the technical approach , and the management and security of data.

Joe Lewis
Eastern Health Board
IE
CARDLINK - A European Healthcard Project
This will be a practical demonstration of the efficacy of using Smartcard based emergency Medical information in the treatment of patients. The presentation will set out a brief history of the CARDLINK project in Europe and in particular in the pilot project in Bray, Co. Wicklow. This will be followed by a presentation of the data content stored on the Smartcard. Finally, a demonstration of the use of the card by Medical Practitioners will be presented using the actual Application package called "GP Clinical" being used by the General Practice involved in the Pilot.

Kirsi Koski
Viatek
FI
Implementing integrated CityCard Systems in Finland
Four years ago, The Ministry of Transport and Communications (MTC) in Finland launched a CityCard project. The MTC described the principal objectives of the project and decided to support financially some cities in designing and implementing multi-application systems. The CityCard projects were launched in the cities or Rovaniemi, Seinäjoki and Vaasa in 1994. All these three implementations cover also public transport services, transport services for disabled and elderly and parking. Other applications are for example tickets for swimming pools, library services, healthcare and food services. Because of the positive results the second phase of the project of the MTC started in January 1997. The Cities of the second phase are Helsinki Metropolitan Area, the city of Pori and the city of Oulu, which are all bigger than the cities of the first phase.

Denise McDonald
ICL
IE
SmartCity - Multi-application experiences in Florida State University
SmartCity began in 1993 as a electronic purse system. Back in 1996, ICL realised that the multi-application card was the way of the future and developed a card in Florida State University which is used for a whole range of functions, thereby adding increased usage and value to the SmartCity card. This presentation will focus on Florida State University how an electronic purse scheme developed to encompass a wide range of functionality on one card.

Smart Cards in Business '98 Early Call for Papers

Following the success of the events in 1995 and 1997, we are pleased to announce Smart Cards in Business '98. SCiB '98 will take place in Dublin, probably in third week September. The broad conference format will remain the same - two days of focussed, single stream presentations.
In 1998, we will add a significant exhibition element. This reflects the progress we anticipate in the Irish market, where we expect that a number of organisations will move towards implementation. This means that they need to meet with their potential suppliers and understand the options open to them.
The organisers are issuing an Early Call for Papers for SCiB '98. We invite interested presenters to submit a 10-15 line abstract by 28th February 1998. This will allow us to determine the contents of the conference at an early date. Although we will accept offers for presentations after that date, there will be greater competition for the available slots.
The themes covered in SCiB '97 are all eligible. In addition, we wish to orient the conference towards the many Irish (and overseas) organisations who are having to take critical strategic and deployment decision. We also wish to reflect the emergence of firms who are developing innovative smart card products and services.
We anticipate that some of the papers will deal with building up cardholder bases, marketing and deployment strategies, sharing card and/or reader bases, loyalty and retail schemes, and innovative applications for the cardholder. We look forward to receiving your proposals.
Please send paper outline to:
European Transport & Telematic Systems Ltd.,
55 Main Street,
Rathfarnham,
Dublin 14,
Ireland.

Tel: +353 1 4929755
Fax: +353 1 4929757
email: etts@indigo.ie
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Speaker	Paper Outline
Day 1 The Business World, Session 1, The Electronic Purse
Joanne Reader Barcleycard UK	VisaCash - the UK and Beyond This presentation will focus on the experiences and lessons learned from world-wide trials and the key players in the success of VisaCash - the consumers, retailers and banks. It will also take a look at the future of VisaCash as it expands world-wide and an in-depth look at the VisaCash UK trial.
John Tunstall Mondex UK	Mondex - Global solution for open Electronic Purse Mondex has been one of the most visable smart card concepts, and has a very strong implementation framework. Central to this is MULTOS, which allows Mondex to site on virtually any smart card operating system. The presentation discussed MULTOS in the context of allowing Mondex to be implemented globally
Ciaran Kilbride Bank of Ireland IE	Consumer Attitudes - Ireland and Europe Compared The paper presents the results of research commissioned by Bank of Ireland into the attitudes of the Irish Consumer to smart cards and electronic purse. This research was specifically designed to be compared with high quality research recently completed in other European countries and so provides a fascinating and informative guide to the development of electronic purse in Ireland.
Paul Breen ETTS IE	Integrated Electronic Purse and Transport Payments in Dublin This presentation will look at the CONCERT/CAROLAN project which is responsible for the implementation of integrated transport ticketing systems, payment for parking and electronic purse. The presentation will describe the details of the pilot project and the implementation of a contact smart card in Bray and Dublin, starting November 1997.
Gerry Looby CSI IE	Electronic Purse - The Smart Card killer application? CSI provide electronic payment, purse and support systems. The paper examines how electronic purse related to other applications resident on the card such as loyalty, health care and fuel purchase. Case studies in UAE, UK, Costa Rica and Nigeria are examined.
Denise McDonald ICL IE	ICL International Experiences with Electronic Money ICL's smart card system, SmartCity EMS, has been installed in over 50 sites world-wide in locations as diverse as Nigeria and Moscow, Zimbabwe and Florida, Siberia and Japan. Over half a million cards have been issued to run in SmartCity, an electronic purse and full multi-application system. The talk will focus on how a Dublin based company operates so successfully in all four corners of the globe.
Day 1 The Business World, Session 2, Electronic Commerce
Alan Leibert Virtual Precincts UK	Virtual Precincts - A new approach to shopping The advent of digital TV services brings a whole range of new services to the home PC including video on demand, interactive shopping, games, banking, pay per view services, Internet etc. Access to and payment for these services will be controlled by smart card inserted into a digital set top box. The presentation of broadband, multimedia, home shopping will show one example of what these new services can bring and how the smart card plays an essential part in enabling these services.
Chandra Patni Thyron Ltd. UK	The Implementation of a Public Key Infrastructure in the UK The UK banking industry has turned to Public Key Cryptography as the means of securing transaction data across wide area networks and of course, in the future, the Internet. Certification Authorities and Registration Authorities for certifying public keys and setting up users have become an integral part of these systems. Smartcard and smart card reader/writer devices are being used as the secure electronic tokens for functions such as transporting the security keys, performing security functions and ensuring the authenticity of the card holder. This paper will present how the Public Key Infrastructure is being implemented within the UK and how the different entities of the system link together.
David Sinnott Baltimore Technologies IE	Securing Electronic Transactions Baltimore technologies are a world-player in encryption technologies and algorithm development for securing electronic transactions. The basic requirement for security are explored, and methods are set out. The paper stresses the need to adopt and invest in secure systems in order to benefit fully from Electronic Commerce.
Noel O'Duille Bull Information Systems IE	Electronic Commerce Electronic Commerce is a new frontier for IT in the 21st Century. Electronic Commerce needs secure payment means to really take off. Current PC based solutions have definite weaknesses. Smart Cards are already securing open architectures. Its a short step therefore to using a smart card approach to build a trusted layer from the card to the bank and thus secure internet payments.
Michael Sack SCM Microsystems UK	DVB Common Interface The PCMCIA based DVB Common interface has been developed for: Conditional Access and other application, standardised by Cenelec in Europe and Ness in the U.S. Common Interface enables standard digital TV equipment such as Set Top [ Boxes by moving broadcaster and application specific features to removable modules (PCMCIA type). Conditional Access modules carrying de-scrambling technology and Smart Card Interface are already in use in some countries, considered to be the standard in many others. It is also considered the other applications such as electronic shopping, electronic banking or education will combine PCMCIA modules and Smart Cards. Together with communication modules this will enable a new, large Smart Card market for interactive TV and Internet Broadcasting.
Denis Madden Trintech IE	Embracing new technologies to meet electronic purse acceptance demands Trintech provides a wide range of terminal equipment for the retail and card-holder management sectors, and have successfully entered the German market. The presentation examines the key market sectors and the requirements for terminals, taking particular account of the merchant's viewpoint.
Day 2 The Applications World, Session 3, Transport
Rory Boland Dublin Corporation IE	Implementing Parking Strategies in Dublin This presentation describes the current development in parking policy in Dublin in particular looking at how technology enables these policies to be implemented with regard to Smart Cards. The presentation will focus on applications such as zone access control and payment for parking.
Peter Gilbourne ParCard IE	Smart Card Parking Systems in the USA Following a review of the structure and operations of the parking business in the USA, this paper describes the development and the technical approach of the ParCard system. Appropriate technology and financial partners had to be secured to develop and implement a family of smart card in-car and on-street technologies. The pilot system is currently being established in Boston. This paper will provide the first results from the project, and consider the global approach for ParCard.
Arild Skadsheim Avenir NO	Smart Cards at the Storebaelt Bridge in Denmark This paper describes the toll collection at Storebælt Bridge in Denmark, which is based on smart cards. The technologies and the payment systems are described, including the approach for both subscribers and for non-subscribers. The practicalities of implementation are discussed, and recommendations are offered to those seeking to put similar systems in place.
Claudia Binazzi ATAF IT	Integrated Transport Payments in the Florence region Smart cards are already used in Italy for individual transport applications. The TISM project integrates VIAPASS - motorway tolling, public transport and parking payments in the region of Prato, near Florence. The common smart card allows the individual operators to implement their own payment strategies while accepting the common card. The project entered Phase 2 during the summer 1997 with increased distribution of cards and additional acceptance points. The operators, including the Florence public transport company ATAF, will assess wide scale deployment based on the Prato results. ATAF also examine the potential to integrate with the AVL system.
Pauli Makela InterMarketing FI	New Developments in Smart Card Systems for Surface PT InterMarketing is a leading Finnish supplier of ticketing systems for public transport. This paper describes the range of systems implemented in Finland and elsewhere.
Day 2 The Applications World, Session 4, Multi-Application Environment
Robert Russell Michigan University US	Smart Cards at the University of Michigan The University of Michigan one of America's largest universities and medical centres, has over 70,000 smart cards currently in circulation. This hybrid card, which included a computer chip, magnetic stripe and bar-code is also the official identification card for all students, faculty, staff, and visitors. In addition to traditional identification card services, the Mcard provides financial services through electronic purse and debit applications. This presentation will include a summary of the program to date and a discussion of the business case, revenue opportunities, and the realities of implementing leading edge card technology.
Alberto Bonetti ASM Brescia IT	Integrated City Application on Smart Cards in Brescia This paper will describe the Citycard project under development in Brescia, in the North of Italy. This project implies the experimental distribution of some 20,000 electronic cards (with a microchip and a magnetic strip) able to support a differentiated set of functionalities resident on the card: from a general purpose electronic wallet (MiniPay) to health emergency features (Cardlink 2 project) from schools inscription to automatic certification, from public transportation subscriptions to parking payment, from technical services (water, gas, electricity, heat) requests for a contract to bills payment. The paper will present the progress of the project, the results achieved as well as the development foreseen.
Tony Murphy Norcontel IE	Work Assessment and ID in the Off-Shore Industry The Safety-Net project demonstrated how multi-media telematics can facilitate increased levels of competence amongst employees engaged in safety critical tasks in the Rail, Maritime, Ports and Offshore exploration sectors. Norcontel have developed smart cards applications which provide secure portable files for both user identification and for work authorisation, and is designed to work in a hostile environment. The paper describes the context and requirements, the technical approach , and the management and security of data.
Joe Lewis Eastern Health Board IE	CARDLINK - A European Healthcard Project This will be a practical demonstration of the efficacy of using Smartcard based emergency Medical information in the treatment of patients. The presentation will set out a brief history of the CARDLINK project in Europe and in particular in the pilot project in Bray, Co. Wicklow. This will be followed by a presentation of the data content stored on the Smartcard. Finally, a demonstration of the use of the card by Medical Practitioners will be presented using the actual Application package called "GP Clinical" being used by the General Practice involved in the Pilot.
Kirsi Koski Viatek FI	Implementing integrated CityCard Systems in Finland Four years ago, The Ministry of Transport and Communications (MTC) in Finland launched a CityCard project. The MTC described the principal objectives of the project and decided to support financially some cities in designing and implementing multi-application systems. The CityCard projects were launched in the cities or Rovaniemi, Seinäjoki and Vaasa in 1994. All these three implementations cover also public transport services, transport services for disabled and elderly and parking. Other applications are for example tickets for swimming pools, library services, healthcare and food services. Because of the positive results the second phase of the project of the MTC started in January 1997. The Cities of the second phase are Helsinki Metropolitan Area, the city of Pori and the city of Oulu, which are all bigger than the cities of the first phase.
Denise McDonald ICL IE	SmartCity - Multi-application experiences in Florida State University SmartCity began in 1993 as a electronic purse system. Back in 1996, ICL realised that the multi-application card was the way of the future and developed a card in Florida State University which is used for a whole range of functions, thereby adding increased usage and value to the SmartCity card. This presentation will focus on Florida State University how an electronic purse scheme developed to encompass a wide range of functionality on one card.