Deploying GlobalPlatform Specifications within financial smart card programs can:

• Facilitate migration to EMV by providing a cost effective and open infrastructure
• Enable the issuer or approved third parties to download further value-added applications to payment cards post-issuance
• Protect the issuer's investment by 'future-proofing' the program against business decisions which have not been made at the time of deployment. GlobalPlatform's flexible and scalable infrastructure can accommodate significant changes to the program post-issuance.

Financial Implementations:

Holland Heineken House at the Beijing Olympics
In 2008, Holland Heineken House, the entertainment venue for the Dutch sporting world at Beijing 2008 Olympic Games, selected Blue Bamboo and KuaiPay as partners to design and integrate a wireless and contactless payment network to support their hospitality and merchant requirements. The aim of the project was for ensure simple, secure and speedy transactions, by requiring all visitors to purchase a prepaid contactless card as a universal payment method for all bars, restaurant, shops and club within the venue.

Blue Bamboo provided the GlobalPlatform based payment terminals – H50 terminal - required for purchasing prepaid cards, ‘topping up’ and making wireless transactions. It also established and managed the Bluetooth™ wireless network to ensure transactions could be undertaken securely to cover the 75,000 square meters of the venue floor space.

Blue Bamboo’s solution for Holland Heineken House used GlobalPlatform device technology – the GPD/STIP Specification – which delivers a highly secure environment for security conscious applications to reside side-by-side with other applications on a device. The H50 terminal was suitable for this deployment because the prepaid card combined payment, contactless and top-up applications. The flexibility offered by a GlobalPlatform device environment enables further functionality to be added in the future.

Blue Bamboo has developed all its products and solutions based on GlobalPlatform Specifications. Blue Bamboo’s H50 is the first EMV and Payment Card Industry (PCI) Security Standards certified point of sale (POS) terminal adopting GlobalPlatform technology.

GlobalPlatform member solution providers include Blue Bamboo.

Giesecke & Devrient Commonwealth Bank of Australia
In 2007 the Commonwealth Bank of Australia (CBA) issued it cardholders with MasterCard PayPass cards, becoming the first financial organization in Australia to pioneer dual interface EMV technology. PayPass enables cardholders to make payments using both contact and contactless technology.

Based on GlobalPlatform's interoperable multi-application card technology and building on the global EMV smart card standard, the MasterCard PayPass card - which is supplied by Giesecke and Devrient - enables its holder to quickly and conveniently purchase low value goods and services at outlets where contactless payment terminals have been installed by merchants.

As the operator of the largest financial services distribution network in the country with a significant customer base, CBA has set a precedent for innovative payment solutions for consumers and merchants.

GlobalPlatform member solution providers involved in this initiative include Giesecke & Devrient and MasterCard.

Beijing Transit Card Contactless Micro-Payments Scheme
KPay, a Beijing-based service provider responsible for setting up a point of sale (POS) network for Beijing contactless transit card top-up and retail payment in 2006, sought POS terminals to support its existing multi-application environment that enabled prepaid, loyalty and contactless payment. In June 2007 it partnered with Blue Bamboo to integrate contactless IC technology into the Blue Bamboo H50 GPRS Terminal. The purpose of the collaboration was to provide a POS solution that could be deployed into local convenience stores that accepted Beijing transit cards for 'tap-and-go' retail purchases cost-effectively.

This solution uses GlobalPlatform device technology – the GPD/STIP Specification – as the software platform. By complying with the GPD/STIP Specification, the terminal enables multiple applications to reside securely side-by-side on a device. This allows increased return on investment as additional programs such as gift, loyalty, financial payment etc are added to the existing deployed infrastructure.

As of November 2007, 15 million transit cards issued by Beijing Municipal Administration & Communication Card Co. Ltd. for use in the subway, buses and taxis were being accepted for 'tap-and-go' retail purchases at various outlets across the city including supermarkets, restaurants, bakeries, drug stores and theatres. It is estimated that 2,000 Blue Bamboo terminals have been deployed.

GlobalPlatform member solution providers include Blue Bamboo.

Visa Wave Mobile Malaysia
In April 2006, Visa launched a pilot program in Malaysia combining Visa Wave contactless payment technology and Near Field Communication (NFC). This enabled 200 Maybankard Visa cardholders and Maxis phone subscribers to make payments via their cell phone at more than 2,000 merchant outlets throughout Malaysia where Visa Wave is accepted.

The program was the first of its kind launched by Visa and utilized GlobalPlatform's interoperable multi-application card technology to allow pilot participants to ‘wave and pay' with their cell phones.

GlobalPlatform member solution providers include Visa Inc.

Standard Chartered First Bank - 'First Check'
In January 2006, Standard Chartered First Bank in South Korea began issuing its First Check smart card in accordance with the new South Korean national chip card mandate.

First Check Visa cards are based on GlobalPlatform card technology and contain chip and PIN functionality.

By September 2006, over three million First Check cards had been issued, preloaded with a proprietary ATM application plus Visa's Smart Debit Credit application.

GlobalPlatform member solutions providers include Visa Inc.

First Investment Bank of Bulgaria
In September 2005, First Investment Bank of Bulgaria (FIBank) implemented Bell ID's smart card and application management system, ANDiS4EMV. The aim of the initiative was to drive EMV compliance for the issuance and management of the bank's multi-application smart cards.

Bell ID's solution was based on GlobalPlatform system technology and offered FIBank the benefits of fast data preparation, cryptographic key management, EMV parameter management, EMV scripting and post issuance personalization. The solution also provided a basic card management environment for single application cards that could be migrated to multi-application cards in the future.

Since the solution was deployed, more than one million cards have been issued.

GlobalPlatform member solution providers include Bell ID.

Visa Wave Taiwan
In March 2005, Taiwan became the second market in the world (after Malaysia) to roll out a Visa Wave program. Visa Wave cards utilize GlobalPlatform's interoperable multi-application technology to enable contactless payment.

Watson, a retail pharmacy chain, and Chinatrust Commercial Bank launched a co-branded Visa Wave card to more than 60,000 users. It was initially accepted at 400 stores throughout Taiwan. Since issuance, Watson has seen a substantial increase in the average ticket size and monthly spending from customers using the co-branded card.

In January 2006, Chinatrust Commercial Bank launched another co-branded Visa Wave card with American wholesale retailer, Costco. More than 240,000 cardholders were able to use the Costco Visa Wave card at four Costco stores in Taiwan.

GlobalPlatform member solution providers include Visa Inc.

BC Card Project
In January 2005, Korea's largest credit card issuer, BC Card, selected Bell ID's ANDiS Management System for the roll-out and management of its multi-application smart card program. On-card content could now be added or deleted via the internet and mobile handsets, eliminating the need to reissue the entire card base for post-issuance enhancements.

Based on GlobalPlatform systems technology, the ANDiS Management System enabled BC Card to manage EMV smart cards for eleven Korean banks and credit card companies over a three year period.

Since the project went live, BC Card has the capacity to issue and manage approximately 17 million EMV cards.

GlobalPlatform member solution providers include Bell ID.

Finnish National Smart Card
In 2005, leading Finnish payment card service company Luottokunta launched the first phase of its national smart card payment program.

Building on the success of an earlier open systems solution that facilitated the migration from single-application EMV to multi-application GlobalPlatform smart cards, the national program provided a platform for issuing other applications on the cards such as government programs, ID, advanced loyalty and travel.

By 2006, post-issuance capabilities had been added to the card and more than 1.5 million cards were being supported by the initiative.

GlobalPlatform member solution providers include Datacard Group and Giesecke & Devrient.

Visa Wave Malaysia
In April 2004, Visa Asia Pacific announced the national roll out of a contactless smart card program in Malaysia – Visa Wave. It was the world's first commercial implementation of a Visa contactless smart card program and was specifically for small and medium sized purchases, eliminating the need to provide a signature, input a PIN or hand over the card for a cashier to swipe in a reader.

Based on GlobalPlatform's interoperable multi-application card technology and building on the global EMV smart card standard, consumers wave the card in front of a reader for payment to be securely deducted from their account. The Visa Wave card, supplied by Giesecke & Devrient, is based on dual interface technology that enables both contact and contactless payments to be made.

The world's first Visa Wave cards were issued by MBF Cards in Malaysia to over 2,000 consumers. By September 2006 there were more than 600,000 cardholders and more than 4,000 merchant locations in the country. Various Malaysian card issuers currently participate in the program.

GlobalPlatform member solution providers include Giesecke & Devrient and Visa Inc.

Mobile Banking Project (Korea)
In 2004 a mobile banking initiative was launched in Korea that allowed citizens to perform bank related activities, such as money transfer and balance checking, with their mobile handsets for added convenience. The aim was to provide telecom companies with an opportunity to increase market share and profit as consumers would use their handsets more frequently, while banks could reduce costs as a result of improved customer service and a reduction in the need for direct customer care.

The mobile banking chip application was based on GlobalPlatform's Card Specification v2.0.1 and embedded in handsets of four major handset manufacturers.

Eleven Korean telecom companies and banks were involved in this project which targeted a customer base of 35 million citizens. By 2007, at least 10 million mobile subscribers were estimated to be using the new mobile banking function.

GlobalPlatform member solution providers include NXP Semiconductors and Visa Inc.

South Korean Chip Migration
In 2004, the South Korean national chip card mandate stated that domestic ATM cards must adopt proprietary ATM standards, international debit/credit cards must apply EMV standards and all payment cards must use a six-digit PIN security code.

In 2006, Visa reported that it had issued three million Visa branded EMV cards that utilized GlobalPlatform card technology to facilitate the new bank card requirements.

GlobalPlatform member solution providers include Visa Inc.

ANZ Bank
In 2001, Australia New Zealand Bank (ANZ) became the first bank in Australia to introduce a fully functioning, end-to-end chip payment system for customers and retailers. Over a five year period the bank upgraded its one million existing ANZ First and ANZ Gold Visa credit cards to chip technology, and replaced merchant credit card terminals with an advanced multi-application chip card terminal. The new technology provided customers throughout Australia and New Zealand with enhanced security when undertaking transactions online, EMV payment capabilities and access to new e-loyalty programs.

The new credit cards used GlobalPlatform Card Specification v2.0 technology, providing the program with an interoperable multi-application card platform.

By June 2006 more than 950,000 GlobalPlatform cards had been issued to ANZ customers and approximately 80,000 terminals had been upgraded.

GlobalPlatform member solution providers include Giesecke & Devrient, Datacard Group and Visa Inc

• Banco do Brasil
• Banco de Crédito Perú
• Banco Santander
• Daejeon Project
• First National Bank of Omaha
• HSBC
• Nordea Bank Finland
• Royal Bank of Canada
• Scotiabank Card
• Sumitomo Mitsui