Sagem Orga

BANKINGSagem Orga - financial solutionsfor global mobilitySagem Orga

Staying ahead of the crowdThe pace of life in our modern society demands that individualsand corporations have secure access and control of their financialservices from anywhere, at any time. Whether you need toinitiate payments, issue investment orders or simply gettingaccount and depot information. Financial Institutions haverecognised that providing security, and convenience to supportglobal mobility is a sector with rising customer demands. Themigration towards modern, portable communications technologiesis accelerating the business need, adding new serviceopportunities to complement the legacy services offered bybranch networks and traditional card payments.2

Security for globalmobilitySecure Card PaymentsMobile customers demand that theirbanks are available to service their needsaround the clock. To respond to thisdemand, banks have developed a servicemodel for such customers.Convenience and flexibilitySecure Internet BankingThe key to this service is to ensure secure accessand authentication on everyday devices such asyour mobile phone, the Internet or your PDA.Being part of the SAFRAN Group, providingsecure global mobility is our job. Whether youpay with our EMV cards, access your Internetaccount securely via eCAP authentication, oruse our mobile phones or POS terminal to readSecure Phone Bankingyour account balance, Sagem secures your globalmobility systematically.Did you know that our security systems for payment,authentication, identification and accessare already at work around the world? OurEMV cards as well as our EFT-POS terminals arein use in Germany, France, UK, Turkey, Brazil,Portugal, Israel, Russia, the Middle East andAsia. In addition, whether you travel viaSecure Mobile DevicesLondon Heathrow or Paris Charles de Gaulle,Sagem systems take care of your securitythanks to border control solutions.3

Sagem Orga - innovation in secureretail bankingAt Sagem Orga, we are clearly focused on providing you with solutions and services thatperform better in retail banking. Our dedicated banking professionals help retail, commercialand investment banks to innovate and capture business opportunities in payment andtransactions. Sagem Orga is a well-known brand for innovation, pioneering technologyand excellence in customer service and support.Card SolutionsPayment cardsPayment cards are the traditional key to mobilitybut also provide marketing differential. AtSagem Orga we have an extensive range ofaward-winning plastic cards in various carddesigns, materials, forms and shapes. In combinationwithinnovative packaging and campaignmaterial we support your local marketingcampaigns to drive your customer growth.EMV solutionsSagem Orga has some of the most modern, CPS(Common Personlisation Specification) -compliantEMV solutions, ranging from SDA and DDAto CC-EAL 4+ evaluated multifunctional platforms.In addition, we cover not only the InternationalEMV standard but also the domesticdebit schemes of Germany (SECCOS/ EC-Cash),France (Cartes Bancaires), Spain and Latin America(TIBC) and other important local schemes.In the light of SEPA, our SECCOS and CB productshave been developed to reach SEPA complianceby 2008.EMV personalization &migration solutionsSagem Orga's expertise and worldwide provenability to deliver has been proven many times incountries that already migrated to EMV. Banksreceive dedicated support and expertise ensuringa smooth EMV migration process, whetherfor contact or contactless cards.• Consulting - training• EMV configuration and profiling(including loyalty)• EMV CPS personalization solutions - turnkey• EMV testing and migration tools (level II)• EMV quality assurance toolsOur services for better bankingAt Sagem Orga and the SAFRAN Group, wemake sure that you improve your bottom linein retail banking. Providing secure solutionswith top performance is our mission at SagemOrga.4

Sagem Orga'sEMVMigrationPaymentCardsTest ToolsBankingConsulting&Client ServiceSolutionPhone &Online BankingMulti-ServicesRangeInternetSecurityPerformanceimprovement bySagem OrgaIT InfrastructureBranchDistribution ChannelsofaATMPOS TerminalPhone / PDAInternetBankImprovedrevenue&customerexperienceBranch & BackofficeSecure MobilityEMV branch solutionsWar on Cash solutionsInstant issuing and service capabilities are a keyingredient in serving affluent and profitablecustomers. With Sagem Orga branch officesolutions you can offer the following servicesat your branches:• Instant branch issuing• Post issuing processing• SmartyPlus Toolbox (loyalty, data storage,physical access, eGovernment., PKI, etc.)• Integration in fraud systems and customerbehavior tracking• Smart Kiosk: Self-service at ATMsEMV backoffice solutionsLeveraging card operations through yourbackoffice infrastructure is key when improvingcustomer performance and managing risk.With Sagem Orga Backoffice solutions you areable to improve your performance in card operations:Replacing cash by non-cash payment instrumentssuch as prepaid or contactless paymentproducts is key to driving new banking business.Sagem Orga offers contactless productson the EMV standard for transport, transit andaccess and has implemented several migrationprojects in Asia, the Middle East, Turkey andLatin America.Secure mobility solutions / authenticationBanks interact increasingly with their customersthrough the internet or the mobilephone. Both communication channels are morefrequently used than a POS or ATM infrastructurethat have expensive maintenance needs.At Sagem Orga we secure authentication,whether in the Internet, mobile phone, or PDAto protect your communication channels.• Fraud and risk management• Script management• CAP Smart Secure Authentication for CNPapplications5

Global delivery &service modelWhy Sagem OrgaWith over 30 years of industry expertise, wehave proven expertise that will help yourorganization optimise the security that supportsefficient payment operations and providerisk management strategies to outperform thecompetition. At Sagem we deliver global andinnovative solutions to transform your organization'spayment infrastructure for better businessperformance:• Payment Card Solutions by Sagem Orga• Payment Terminals by Sagem Monetel• Biometric Security by Sagem MorphoIn working with clients, we• Establish strong relationships to deliverlong-term sustainable value in close proximity.• Act as a business partner. Our clients' businessoutcome is our single most importantobjective and our measure of the qualityof our service.• Use a team approach that empowers ourclients to maximize their contributions tothe project.• Complement our clients' expertise andservices.• Operate in markets of highest growthpriority.Sagem Orga - at your service arround the worldAmericas• BrazilEurope• FranceMiddle East & Africa• NigeriaAsia• China• USA• Germany• South Africa• India• Lithuania• U.A.E• Singapore• Portugal• Romania• Russia• Turkey• UK7

SAP-No. 116718Sagem Orgawww.sagem-orga.comHeinz-Nixdorf-Ring 1, 33106 Paderborn, GermanyPhone: +49 (0) 52 51 889-0, info@sagem-orga.comSpecifications are subject to change without notice. 02/06 - GB