CRYPT2Pay™ Customer References

CEDICAM

Cedicam is a major player in payment systems management within Crédit Agricole. A French economic interest grouping (groupement d'intérêt économique), jointly owned by Crédit Agricole S.A. and the Regional Banks,assumes its dual role as specialised subsidiary, as well as an operational entity.

Web site: http://www.credit-agricole.fr/article.php3?id_article=87

"Groupe Banque Populaire" is a federation of 24 French regional banks.
A holding company provides the member banks with the tools that are required to meet the increasing competition and allow the Group to expand.

For example, the holding manages:

• "Natexis Banques Populaires", the capitalistic arm of the Federation. Quoted on the Euronext stock Exchange, it is the investment bank of the Group and manages all the international activities of the Federation.
  
  
• Coface, a world-class business facilitator. It provides the following services to its customers:
  • Credit insurance (domestic and export),
  • Credit management services (credit information, trade receivables ratings, management and recovery).,
  • Three other expanding activities: guarantee insurance, BtoB marketing and trade receivables financing.
    
    
• "Informatique - Banque Populaire" (i-BP), created in 2001, federates the data processing tools of the 24 member banks. The challenge of i-BP is to deliver to the member banks the most up-to-date tools to compete with the centralised French and International banks, for example by improving customer management.
  
  
• "Natexis Paiements" manages all payment tools (ATM's, POS terminals, internet payments, mobile payments) on behalf of i-BP.
  37 CRYPT2Pay control the security of messages exchanged with this equipment and manage the debit authorisation of the banks' customers. In addition i-BP has also entrusted Bull with the development of a Key Management Centre (CGDC, in French jargon) and a Card Preparation Facility with Bull HSMs.
  The flexibility of Bull HSMs allowed i-BP and Natexis Paiements to move the IT processing of Groupe Banque Populaire from a decentralised portfolio of applications to an outstanding solution providing system, while Natexis Paiements integrates the latest requirements of EMVco.

Web site: http://www.banquepopulaire.fr/
http://www.i-bp.banquepopulaire.fr/intro/flash/intro_flash.htm

CARTE BLEUE

More than 26 millions of Debit and Credit cards issued in France are CARTE BLEUE cards in 2002.

As a Group member of VISA in France, CARTE BLEUE gathers all French Banks issuing VISA Cards and holds the VISA licenses for France.
It therefore adapts different VISA innovations to the French market.
CARTE BLEUE has to:

• Offer its Members a range of cards in order to meet the needs of its customers, both individuals and businesses.
•  Guarantee the highest possible level of constant quality for all parties involved in payments by card: cardholders, merchants and banks.

CARTE BLEUE provides a two ways interface (France VS Other Countries) for all international authorisation requests issued by POS terminals and ATM's , both for foreigners touring France and for French citizens visiting foreign countries.
CARTE BLEUE provides a 24*7 service to the affiliated banks and to the worldwide net of VISA affiliated banks, and behind them to the merchants' payment terminals and the banks' ATM's.

CARTE BLEUE is using Bull Hardware Security Modules in order to provide gateway functions between VISA network and RCB (the French Inter-banking Card Network). Two independent sites provide 24*7 service.

For details, refer to:
http://www.cartebleue.fr

Europay France is a banking institution that has been operating in France for over 30 years.
On one side, Europay France stock is shared between six major French banks; although the majority of French banks are affiliated members of Europay France.
On the other side, Europay France is a major shareholder in MasterCard International. Reminder: MCI is the world's leading authorisation network.

Europay France represents MasterCard International in France and therefore is responsible for engineering and marketing the MasterCard card portfolio in France.

Europay France provides a two-way interface (France vs other countries) for all authorisation requests issued by POS terminals and ATM's, both for foreigners touring France and for French citizens visiting foreign countries.
Europay France provides a 24*7 service to the affiliated banks and to the worldwide net of MCI affiliated banks, and, behind them, to the merchants' payment terminals and the banks' ATM's.

Europay France has selected Bull HSMs to deliver this high quality service to their customers.
Bull HSMs are used as gateways between the MCI international network, EPS Net, and RCB, the French Interbanking network.

Web site: http://www.europayfrance.fr/
http://www.mastercardfrance.com/mondeen/

GEORGIAN CARD is a joint venture of 6 Georgian banks and provides national "Card Management Services" to the Republic of Georgia.

IMEDI designed the complete SmartCards processing centre for GEORGIAN CARD: hardware and software solution. IMEDI is a French SmartCard consulting group, leader in delivering technology expertise to financial institutions of CIS Republics (Commonwealth of Independent States).

In 1996, GEORGIAN CARD chose CIME Solutions Monetiques, now known as Magellan, and Bull as suppliers, to deliver the most up-to-date solutions for Card Management System to the Georgian banks. The system was updated in 2003.

In 2003, GEORGIAN CARD can provide banks with an exhaustive range of card services respecting international standards required by VISA and MasterCard International for issuer and acquirer financial institutions.

For instance, GEORGIAN CARD offers:

• Card Emission:
  GEORGIAN CARD prepares SmartCards with the latest "magstripe functionalities".
  
  
• Transaction processing and authorisation management:
  · Control and authorisation of all transactions of ATMs and POSs. System key points:
  · ATMs and POSs are managed by CIME MONETICKPACK® software;
  · Transactions between ATMs and the authorisation centre of GEORGIAN CARD are enciphered by Bull CRYPT2Pay hardware and managed by CIME MONETICKPACK® software.
  
  
• Gateway to the international networks of VISA and MasterCard International:
  ·GEORGIAN CARD provides international connections for all authorisation requests issued by POSs and ATMs. Currently, GEORGIAN CARD allows international card transaction in Georgia, and also OKworldwide transactions for Georgian cardholders.

CIME Solutions Monetiques and Bull provide GEORGIAN CARD with a complete front office software suite that meets all business needs and respects international technical standards (MONETICKPACK®) and the latest encryption hardware (Bull CRYPT2Pay™).

Bull supplies GEORGIAN CARD with two HSMs providing cryptographic functions and Key Management Centre facilities, operating in a fail-safe environment.

Web site: http://www.gc.com.ge/English/index.html

More details about CIME Solutions Monétiques now known as Magellan
Website: http://www.magellan-online.com
Jean-Pierre MICHON, CEO: jpmichon@magellan-online.com
Jean-Damien HOBE, International Accounts Manager: jdhobe@magellan-online.com

More details about IMEDI:

Contact information:
Georges Tsnobiladze (georges.tsnobiladze@wanadoo.fr)