Life I’ve Imagine.

Often I thought, share and discuss

Of pains, suffering and of being less

In life.

Never thought that today

It will change

I've always thought of life

I've imagine

When I was young

I always wanted

To become a surgical doctor

But I studied management accounting

And end up working in a world of banking

Life is easy when

You know what to do

What is good

And do what is require of you

I am living the life

I’ve imagine

When I was young and carefree

The life I’ve imagine

Beautiful house, white car

Leisure and pleasures

Sitting on

These chair of reality

Is the place Where I would probably

Spend another decade

I keep on imagining

The life I want to live.

by: bodengdeng

41 Countries with OFW Deployment Ban

by: bodengdeng


The government has identified 41 countries that do not have enough safety and legal guarantees for overseas Filipino workers (OFWs), prompting Manila to put them on a blacklist, according to Labor Secretary Rosalinda Baldoz. http://globalnation.inquirer.net/16843/dole-41-countries-off-limits-to-ofws#disqus_thread

1. Afghanistan
2. Antigua and Barbuda
3. Barbados
4. Cambodia
5. Cayman Islands
6. Chad
7. Croatia
8. Cuba
9. Democratic People's Republic of Korea/North Korea
10. Dominica
11. East Tinor f Timor Leste
12. Eritrea
13. Haiti
14. India
15. Iraq
16. KyrgyzstanRepublic
17. Lebanon
18. Lesotho
19. Libya
20. Mali
21. Mauritania
22. Montenegro
23. Mozambique
24. Nauru
25. Nepal
26. Niger
27. Pakistan
28. Palestine
29. Serbia
30. St. Kitts and Nevis
31. St. Lucia
32. St. Vincent and the Grenadines
33. Sudan
34. Swaziland
35. Tajikistan
36. Tonga
37. Turks and Caicos
38. Tuvalu
39. US Virgin Islands
40. Vanuatu
41. Zimbabwe

HSBC CREDIT CARD FEES AND CHARGES

by: bodengdeng

HSBC CREDIT CARD FEES AND CHARGES Types of Fees and Charges Classic Visa/ MasterCard and Red MasterCard Gold Visa/ MasterCard Platinum Visa Mabuhay Miles Visa Classic Mabuhay Miles Visa Gold Mabuhay Miles Visa Platinum HSBC Advance Credit Card HSBC Premier MasterCard Credit Card Primary Card Annual Fee* Php1,200 Php2,500 Php5,000 Php1,200 Php2,500 Php5,000 Php2,500 WAIVED Supplementary Card Annual Fee* Php600 Php1,250 Php2,500 Php600 Php1,250 Php2,500 Php1,250 WAIVED Rewards Conversion Php10 = 1BP Php45 = 1 BP/Mile Php35 = 1BP/Mile Php10 = 1BP Php5 = 1BP Annual Mileage Rewards Program Fee Php500 per mileage program upon enrollment WAIVED Php500* WAIVED Php500 per mileage program upon enrollment Finance Charge 3.5% per month (or 42% annually) 2.75% per month (or 33% annually) 3.5% per month (or 42% annually) 2.75% per month (or 33% annually) 3% per month (or 36% annually) 2.75% per month (or 33% annually) Minimum Amount Due 4% of outstanding balance or Php500.00, whichever is higher Cash Advance Fee 3% of amount drawn or Php500, whichever is higher Late Payment Fee 7.5% of the minimum due or Php600.00, whichever is higher Overlimit Fee Php500.00 shall be charged if card account is overlimit on cut-off date Returned Check Fee Php1,000 will be charged for check payments which are returned due to reasons such as but not limited to insufficient funds, unsecured deposit, or any other reasons resulting to bad faith by cardholder. Sales Slip Retrieval Fee Php275 for each sales slip retrieved upon cardholder's request Card Replacement Fee Php400 for each replacement of lost, stolen or damaged card Service Fee for Foreign Currency Transactions** 1.75% of the converted sum plus reimbursement of the assessment fee charged by Visa/MasterCard to HSBC equivalent to 1% of the converted sum. HIP Pre-termination Processing Fee P500 for each HSBC Installment Plan transaction pre-terminated. *First year waived **Details found on HSBC's Terms and Conditions If you pay any amount less than the Closing Balance/Total Amount Due or make a cash advance transaction, finance charge at prevailing interest rates will be computed on the Average Daily Balance of your account (including any fixed monthly installment amount/s) from the dates of the transactions until the end of the current statement period. With your everyday spend, you are entitled to redeem rewards of your choice under HSBC Instant Rewards Feature. For more details, visit www.hsbc.com.ph. HSBC Credit Card. The One Card for Home and Away. HSBC Philippines  Note: It is important that you do not provide your account or credit card number, or disclose any confidential information or banking instructions in your e-mail. Privacy and Security   Terms of Use   Hyperlink Policy Issued by The Hongkong and Shanghai Banking Corporation Limited © Copyright The Hongkong and Shanghai Banking Corporation Limited 2011 All rights reserved

Finished: My May 2011 Personal Finance Report

"it's always part of my end-month goal, it's helps me understand where is stand financially"

How I did it: It's easy:

1. Copy the format of the previous months.

2. Forward the Balance of April months to May 2011 Cash on Hand

3.  Input Cash Income

4. Deduct Expenses

5. Segregate Money Currency (either PHP, SAR or $)

6. Create a Total Figure for in one Currency using current exchange rate.

7. Arrive with the net WORTH!

Expenses Related:

Sometimes you have to put in all the details of your expenses, whether be it big or small. It will help you understand your spending habits.

There are payables that are monthly and or quarterly or in whatever way you pay it, you should track the payment you made in order to avoid confusion whether you have paid or not.

Remarks:

Each one may use appropriate format of your choice in preparing the personal financial report.

Lessons & tips: You know what?

1. It give me clarity on my financial status.

2. It helps me make a better plan for the future and for my money

3. It is very ideal, because it helps me control my spending habit.

Resources: http://bodengdeng.blogspot.com

http://bodengdeng.wordpress.com

It took me 5 days.

It made me jump!

See more progress on: finish my May 2011 Personal Finance Report

PAID: My credit card and My spending habits

"at first i was desperate, then i began to write a goal... amazingly i did it!, i did pay my credit card bill fully!"

How I did it: 

It wasn't easy, it only took me a pen, an onlinepaper and a determination to pursue my what was laid down. You can make things happen too!

PEN

it can be a pencil, a ball-pen or a keyboard. It started when you think about paying your credit card bill. Start by writing on what you can do to help you pay it, where you want to make your life be, when will you want to finish paying it, and how will your skills or how others could provide you resources and opportunity to help you achieve your goal.

ONLINEPAPER 

It is not just a paper, or a blank paper. It provides you vast idea on how to achieve your goal. All you need to do is to search, save and remind yourself about the most brilliant tips you have found online. Draft it and start dreaming of doing it.

DETERMINATION

The best day to start doing what you have laid down is TODAY. not on the next few minutes, hours or days.  It only take a simple statement: KILL whatever hinders your way, and tell yourself It's not about how i feel but what i want myself to be once i am done with this!

It might now be a credit card, you might have owed someone or somewhere. May this help you. 

Lessons & tips:

• Set you mind to pay you credit card fully.
• Develop a financial plan 
• Create a personal monthly financial report
• Work one day at a time 
• Always think of benefiting your skills, if you don't have one, it's not to late to discover and activate it in your life 

Resources:

1. http://bodengdeng.blogspot.com 
2. https://www.facebook.com/bodengdeng
3. http://iloilojailministry.socialgo.com/
4. https://twitter.com/#!/BodengDeng 

It took me 365 days.  It made me free!

See more progress on: pay my credit card and start controlling my spending habits

Driving License for expats in Riyadh

How to get a driving license in Riyadh,Saudi Arabia for Expatriates?


You need to go to Dallah driving school which is near Dallah Hospital on King Fahad Highway. Just take any taxi and ask him to take your there.

Before going to the License Office you need following things:
1. Original Iqamah.
2. Photocopy of Iqama.
3. Photocopy of Passport.
4. Driving License of your country (e.g. India)
5. Translation of Indian driving license in Arabic from an approved translation institute.
6. A letter from your sponsor attested by chamber of commerce for issuing you the license.
7. 8 Passport size photographs
8. Medical report (Blood Group Test)
9. License Fee (75 SR pay it Riyadh bank/ATM for your iqama id and keep the voucher)

Once you have above mentioned things, just take a taxi and ask him to take you to Old Dallah Driving School. Taxi will take 15-20 Saudi Riyals. You are suggested to go there earlier in the morning (reach by 7 am).

Now go to shop next to the entrance gate. (You will be approached by persons for license payment in bank. They will asking 150 SR or 100 SR as fees for 75 SR Govt. Fee. Never turn to them as you had already completed that in Item #9)

From shop, you will get application form which will be filled for you in Arabic then and enclosed in file cover . Total cost for you is 8 riyals.

Now go to Room number 2 in the license office. The person on extreme left will do Eye-sight test. The person on extreme right counter will check your forms, stamp and send you to "License Check" counter. Here one more person will put a stamp on your application and send you for "first try". This trial place is behind the building where you are standing.

There will be a car or more and person will be sitting inside. He will ask you to drive the car a little ahead and then reverse a little. Don't worry it is just to see whether you have ever touched the car or not. The person inside will make his comments on your application.

Now come back to room # 2 and deposit SR 100. He will take your file and ask you to attend a 3 hour class. There will be a three hour class in which you will be taught the basics and after that there will be a computer test. Attend the class very carefully and also read all the things written on front and backside of the chart they give you during the class.

The questions will be mainly Identification of different signals and general driving rules. Signals & Traffic Rules can be viewed from Riyadh Traffic Site

The questions that are going to be asked for the touch screen computer test, will be mentioned during the class by the training instructor. After class they will take you to a room where you will wait for the test to start.

There would be 20 questions and you have to answer them in 30 minutes. If you make any mistake in the first ten questions, then you are failed. In next 10 questions you have to give only five correct answers.

If you clear the computer test then they will test your driving. Congratulations, if you clear the test. By the way, it is very easy test. You just have to drive the car for some meters or you might have to do some simple reverse etc. Cars are of model "Cadillac Custom/Camry 2006". Cars are with gears; not automatic.

Go to room number 1 (main room) and just on your left there is a place where "License Delivery" is written. Get your counter number from here and the go to the counter. Now wait until they deliver you the New Driving License.

Congratulations!!! You can drive the car in Kingdom for the next 5 years from Now.

Total Expenses
Taxi fare (1 day) = 30 SR
Photo Pictures = 15 SR
Blood Group Test = 15 SR
File Cover, Application form filling = 8 SR
Photocopies = 2 SR
Training Fee = 100 SR
License Fee = 75 SR
Indian License Translation = 20 SR
-------------------------------------------
Total License Expenses = 265 SR
==========================
Your license is valid for 5 years
------------------------------------------

If you find this guidance useful, please remember me in your good wishes and prayers.
Source:http://riyadhpost.blogspot.com/


by: bodengdeng







Other Sources:
http://www.ebamooz.com/jml16/index.php?option=com_content&view=article&id=205
http://saudiarabia.yoolk.com/automotive-vehicles/driving-instructors-and-schools/
http://www.ehow.com/how_2240312_drive-saudi-arabia.html
http://workinginsaudiarabia.blogspot.com/2008/06/procedure-for-obtaining-driving-license_17.html
http://66.102.9.104/search?q=cache:mw6RZKbRTDUJ:www.saudiarabia.alloexpat.com/saudi_arabia_expat_tips/driving_license_saudi_arabia.php+drivers+permit+in+saudi+arabia&hl=en&ct=clnk&cd=7
http://wikimapia.org/3504299/Dallah-Driving-School-Sulay-Riyadh
http://www.alexa.com/siteinfo/mofa.gov.sa

Who am I?

by: CASTING CROWNS

Who am I?

That the Lord of all the earth,

Would care to know my name,

Would care to feel my hurt.

Who am I?

That the bright and morning star,

Would choose to light the way,

For my ever wandering heart.

Bridge:

Not because of who I am,

But because of what you've done.

Not because of what I've done,

But because of who you are.

Chorus:

I am a flower quickly fading,

Here today and gone tomorrow,

A wave tossed in the ocean,

A vapor in the wind.

Still you hear me when I'm calling,

Lord, you catch me when I'm falling,

And you've told me who I am.

I am yours.

I am yours.

Who am I?

That the eyes that see my sin

Would look on me with love

And watch me rise again.

Who am I?

That the voice that calmed the sea,

Would call out through the rain,

And calm the storm in me.

Not because of who I am,

But because of what you've done.

Not because of what I've done,

But because of who you are.

I am a flower quickly fading,

Here today and gone tomorrow,

A wave tossed in the ocean,

A vapor in the wind.

Still you hear me when I'm calling,

Lord, you catch me when I'm falling,

And you've told me who I am.

I am yours.

Not because of who I am,

But because of what you've done.

Not because of what I've done,

But because of who you are.

I am a flower quickly fading,

Here today and gone tomorrow,

A wave tossed in the ocean,

A vapor in the wind.

Still you hear me when I'm calling,

Lord, you catch me when I'm falling,

And you've told me who I am.

I am yours.

I am yours.

I am yours.

Whom shall I fear

Whom shall I fear

I am yours..

I am yours..

by: bodengdeng

Goal Quotes and Goalsetting Quotes

"A goal is a dream with a deadline."
~ Napoleon Hill

"Never tell me the sky's the limit when there are footprints on the moon."
~ Unknown

"Begin with the end in mind."
~ Stephen Covey

"If you don't know where you are going, you will probably end up somewhere else. "
~ Lawrence J. Peter

"Only those who will risk going too far can possibly find out how far one can go. "
~ T. S. Eliot

"Obstacles are those frightful things you see when you take your eyes off your goal."
~ Henry Ford

"If you aim at nothing, you'll hit it every time. "
~ Unknown

"The greater danger for most of us is not that our aim is too high and we miss it, but that it is too low and we hit it."
~ Michelangelo

"Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michelangelo, Mother Teresa, Leonardo Da Vinci, Thomas Jefferson, and Albert Einstein."
~ H. Jackson Brown, Jr.

"Give me a stock clerk with a goal and I'll give you a man who will make history. Give me a man with no goals and I'll give you a stock clerk."
~ J.C. Penney

"What you get by achieving your goals is not as important as what you become by achieving your goals."
~ Zig Ziglar

"Great things are not done by impulse, but by a series of small things brought together."
~ Vincent Van Gogh

"The whole world steps aside for the man who knows where he is going. "
~ Unknown

"Some of the world's greatest feats were accomplished by people not smart enough to know they were impossible. "
~ Doug Larson

"Goals that are not written down are just wishes. "
~ Unknown

by: bodengdeng

HONEY AND ME

If there is something in life that makes me feel good, it would be beauty. I love beauty, beautiful men and women, place, objects, animals and plants. Beauty is never complicated for me, it’s an original creation and must be nurture seriously and carefully.

With life demand of working time up 16 hours currently and being exposed to different carrier of pollution, at the end of the day I may not be stress but my face will tell you that I am not beautiful.

With much effort on yoga, massage and music therapy, now I am enjoying the abundant beauty benefits of honey face overnight mask coupled with fresh milk face cleansing and strawberries face rinsing.

It’s not tiring cause before sleeping it will only take 3 to five minutes to prepare my face to sleep, then wake up beautifully.

Why honey? For almost 6 years now (now is 2011) I have been so passionate about wellness, natural beauty and healthy living by yoga and massage. If we look deeper and search over thousands of online available resources about honey, it boils down to the main and unique elements that honey has and what it does to health.

Amazing honey elements includes:

- Natural healing agent enzymes called glucose oxidase, that when combined with water, produces hydrogen peroxide, a mild antiseptic

- Antioxidants

- Flavonoids that may function as antibacterial agents.

- A humectant - great natural moisturizer

Honey provides a calming effect without irritating the skin.

For more info visit: http://www.benefits-of-honey.com/anti-aging-skin-care.html

by: bodengdeng

EMOTIONAL pain

CURRENT FACTS THAT HAS BEEN EMOTIONALY PAINFUL FOR ME this past few months past of February 2011


People who don’t make decisions to cover up your mess though they are in position and you are serving them. The fact that you are serving them, not them serving you. I ask for a favor, I know I am privileged and doesn’t care about my rights anymore cause I have none.

When you tried to live according to your comfort and stability but affects your schedule of serving other people, you are notified of changes you have made lately and ask to go back to what has been practiced. What has been practice is never different to what has been done lately. Being productive doesn’t contain how long you stay at work but rather how much work you put in with time.

When someone acknowledge that you are stronger or a bit above of them, they speak good to you, but at your back they have been doing the unacceptable behavior and speaking of the most wildest words ever.

Its hard to accept when people wants you, like you or love you because of a material elements. I always refuse them. Love me as I am and we’ll work, live and enjoy life together.

When people treat you differently right at your face when they act towards others like best of friends and family in life.

When people want the same things as others have. Why can’t they be happy of what they have and shut up their mouth full of ill-words.

When higher people constantly reminding you of your position and economic status which seems impress you that you are below and they are higher and you have to look at them and act below, behave like nothing but an options in their life.

When people taunt other’s sexuality. When trying to stress out reasons from science, religion and their own experience without taking into considerations the others life’s perspective. When actually you are not forcing them to like you or believe you.

Labeling. When people call you for something you are half like and not totally bitch. There’s a big difference between a professional bitch and a regular flirt.

When someone in a position whoa represents corporate services would postpone, delay and care less about your effort and need of what they offer. That is when people choose whom they like to serve, those that fits in their eyes and their standard, but when they see you and get this impression of being unlikable, they will hard on you even in the most unreasonable, unjust, even sometimes no reason to deal with you hardly.

It is more painful to obey than to be heard, this is my peace.

photo credit: http://www.mymodernmet.com/profiles/blogs/the-beauty-and-pain-of-love
by: bodengdeng

MULTOS COMPANY PROFILE

http://www.multos.com/

MULTOS smart card technology delivers high security, interoperable platforms for any application. MULTOS consists of two unique technologies that deliver the secure architecture - the on-card virtual machine that securely executes applications and the MULTOS security scheme, an implementation of STEP technology, that secures the smart card, application code and application data.

Smart Card application development for everyone
Training. Free, web-based interactive training in 6 languages
Support. Request support from our Developer Support Team mailbox
Tools. MULTOS SmartDeck - the Software Development Kit for MULTOS, MDS - an IDE for MULTOS developers, MUTIL v2.2 - the MULTOS application loader for all MULTOS cards. v2.2 adds support for MULTOS step/one


Products and Services from 3rd-party vendors
Some of our key partners are the MULTOS OS Implementors, Dai Nippon Printing, Hitachi, MULTOS International (formerly Keycorp), Samsung SDS, Texas Instruments and Ubnics. They provide a range of interoperable MULTOS platforms that are compatible with any application product or personalization solution. Many of these suppliers are also members of The MULTOS Consortium.


StepNexus Services Partners
The StepNexus Services Partner programme is operated by StepNexus Services in order to simplify the process of issuing MULTOS cards.


MULTOS Product Directory
The MULTOS Consortium actively maintains the MULTOS Product Directory, a resource to assist Card Issuers or other customers to find a product, service or vendor. If you would like to publicize you MULTOS product or service in the Product Directory, please request the information template from MAOSCO Ltd

MULTOS is an open, non-proprietary, all inclusive smart card operating system. The MULTOS Consortium comprises organisations who are...
• Global - MULTOS is a global not a national or regional standard.
• Cross industry - We have members of both supply and demand sides of the smart card industry.
• Multiple industry - from telecommunications, financial services, pay and satellite TV, Internet and e-commerce, public sector


Members / Licensees
• ABnote • Bell ID • Carta Solutions • Consult Hyperion • CPI Card Group • Cryptomathic • CTS-Caliber
• Dai Nippon Printing • Datacard Group • Ecebs • EcosCard • Gemalto  • Giesecke & Devrient • Hitachi • Infineon Technologies • MasterCard Worldwide  • Multos International • NewTech • Oberthur Technologies  • Samsung SDS • SMARTCON • TechTrex • Thales • UbiVelox MULTOS OS Licensees
MULTOS step/one system Licensees


MAOSCO Ltd.
http://investing.businessweek.com/research/stocks/private/snapshot.asp?privcapId=22109496

COMPANY OVERVIEW
MAOSCO Limited operates a smart card operating platform for banking and payments, government and citizen IDs, and mobile commerce and transit applications. It offers EMV payment applications for various payment schemes, as well as allows users to provide credit, debit, pre-authorized debit, chip authentication, and contactless payment functionalities; and platforms for Internet payments and contactless payments, as well as delivers dual interface smart cards and contactless chips. The company’s platforms are deployed in biometric identity contact and contactless interface smart card projects, including e-passports, enterprise/campus/military IDs, embedded devices, banks and financial institutions, and the U.S. Government Agencies implement personal identity verification cards. Its products are also used in healthcare, driving license, SIM/U-SIM, and public key infrastructure applications. The company was incorporated in 1996 and is based in Warrington, the United Kingdom. As of September 1, 2008, MAOSCO Limited operates as a subsidiary of Gemalto N.V.

St. Andrews House, The Links, Kelvin Close, Birchwood, Warrington, WA3 7PB, United Kingdom
Founded in 1996
Phone: 44 1925 882050
Fax: 44 1925 882051
Website: http://www.multos.com/
KEY EXECUTIVES
Mr. John Wood Chairman of Consortium
Mr. Tim France-Massey Chairman of Business Advisory Group
Ms. Julie Spicer England Vice President of Texas Instruments Age: 50
Jae Gwan Kim Product Marketing Manager of UBnics

MULTOS
From Wikipedia - http://en.wikipedia.org/wiki/MULTOS
MULTOS is a multi-application smart card operating system, that enables a smart card to carry a variety of applications, from chip & pin application for payment to on-card biometric matching for secure ID and ePassport. MULTOS is an open standard whose development is overseen by the MULTOS Consortium - a body compromised of companies which have an interest in the development of the OS and includes smart card and silicon manufacturers, payment card schemes, chip data preparation, card management and personalization system providers, and smart card solution providers. There are more than 20 leading companies involved in the consortium.

One of the key differences of MULTOS with respect to other types of smart card OS, is that it implements a patented Public Key cryptography-based mechanism by which the manufacture, issuance and dynamic updates of MULTOS smartcards in the field is entirely under an issuer’s control using digital certificates rather than symmetric key sharing. This control is enabled through the use of a Key Management Authority (KMA), a special kind of Certification Authority. The KMA provides card issuers with cryptographic information required to bind the card to the issuer, initialize the card for use, and generate permission certificates for the loading and deleting of applications under the control of the issuer.

Application Providers can retrieve and verify the Public Key Certificate of an individual issuer's card, and encrypt their proprietary application code and confidential personalisation data using that card's unique public key. This payload is digitally signed using the Private Key of the Application Provider. The KMA, on request from the card issuer, signs the Application Provider's Public Key and application code has and creates a digital certificate (the Application Load Certificate) that authorises the application to be loaded to an issuer's card or group of cards. Applications are therefore protected for integrity and confidentiality and loaded to a card without any party sharing symmetric keys and therefore needing to trust any other party sharing the card platform - including the card issuer. Both the Application Provider and Card Issuer know that only specific, authorised applications from authorised parties can be loaded to any specific card.

Hundreds of millions of MULTOS smart cards have been issued by banks and governments all around the world, for projects ranging from contactless payment, internet authentication and loyalty, to national identity with digital signature, ePassport with biometrics, healthcare and military base and network access control.

Technical overview
A MULTOS implementation provides an operating system upon which resides a virtual machine. The virtual machine provides:
• Application run-time environment.
• Memory management.
• Application loading and deleting.

Run-time Environment
The run-time environment operates within the application space. This consists of code space and data space. The code, developed in the C language and compiled into MULTOS bytecodes is interpreted every time it is executed. The virtual machine performs code validity and memory access checks during execution of the code. The data space is divided into static and dynamic portions. Static memory is persistent and transaction protection ensures the integrity of application's stored data.

The key component of dynamic memory is the last in, first out (LIFO) stack as this makes using the various functions much easier. A MULTOS chip is a stack machine, which makes use of this dynamic memory to pass parameters and perform calculations. In addition, the Input/output buffer resides in another dynamic memory segment.

Memory Management
Each application resides with a rigorously enforced application memory space, which consists of the application code and data segments. This means that an application has full access rights to its own code and data, but can not directly access that of another application. If an application attempts to access an area outside its space, it results in an abnormal end to processing.

Application Loading and Deleting
A MULTOS card permits the loading and deleting of applications at any point in the card's active life cycle. A load can take place once the application and its corresponding certificate are transmitted to the chip. A delete is permitted if a certificate that corresponds to a loaded application is transmitted to the chip.

http://cts-caliber.com/products_SMC01.html
MULTOS

The world's leading secure open smartcard platform for EMV, data security and secure identity.

MULTOS is a secure, open specification, multi-application smartcard platform. It is more than just an operating system, with the full smartcard lifecycle defined by a single specification with a clear focus on an issuer-centric business model.

The Benefits of MULTOS
>>> Security. MULTOS is accredited to ITSEC E6 high (the highest security evaluation available) and offers complete memory firewalls protecting applications and data.

>>> Proven Solution. MULTOS deployments have reached over 45 million in EMV and secure Identity projects globally.

>>> True Interoperability. MULTOS products offer type approved compatibility allowing multiple vendors to supply components across the whole smartcard value chain. The MULTOS card issuer is able to ‘in-source’ or ‘out-source’ many of the processes.

>>> Value Add. The Keycorp MULTOS implementation includes a number of the key smartcard applications already pre-loaded in the ROM (eg M/Chip, Mondex, Keycorp PKI, Keycorp ID). Additionally, MULTOS smartcards are capable of having applications loaded or deleted in the field. This leads to a cost saving to the card issuer, who can provide additional services to the cardholder post-issuance.

>>> Support. The MULTOS community includes several of the industry’s leading organisations who support the platform, develop the operating system implementation, develop applications and provide off-the-shelf applications, provide card manufacture and bureau systems and components, and provide training and support for card issuers migrating to EMV.

>>> Instant Issuance. Maximise the features of MULTOS to provide the most flexibility with your issuing requirements - either central office or in the branch, instantly and securely.
Available on 8K, 16K, 36K and 68K.

by: bodengdeng

NOVOTECH

Is a Saudi Arabian company that provides Managed Services and Prepaid Payment Solutions in Saudi Arabia using the proven, industry leading, Enterprise eccount® platform.

NovoTech is working towards deploying the proven eccount® platform customised for The Kingdom to deliver a full spectrum of prepaid payment solutions. The industry leading platform is based on the concept of the eccount pioneered by Tuxedo Money Solutions and used by many multi-national corporations. The platform is scalable, highly customisable and can be integrated with any processor and bank and is designed for simple, relevant operation both for corporations and the man in the street.

Novotech shareholders includes:

 Tihama - http://www.tihama.com/about.htm

 DMT Group of companies - www.dmtgroup.com.sa

 NovoPay

Key Statistics about NovoTech - Kingdom of Saudi Arabia

Headquarters Saudi Arabia

Industry Information Technology and Services

Type Privately Held

Company Size 16 employees

Website http://www.novotech-sa.com

Email http://www.novo-pay.com, info@novo-pay.com

Multi Dimensional Prepaid Payment Solutions

Global Prepay Technology - for now and the future

Our clients and partners are large corporations, banks, post offices and governments that wish to offer feature rich prepaid products to their customers or find better solutions for their payroll, expenses, rebates, remittance and other payments.

We offer maximum points of contact for our users ensuring they can manage and control their money - wherever they are. Our value added services include everything from state of the art mobile phone apps to simple SMS alerts, online banking to traditional call centre support, seamless automated client instructions or telephone banking

CORPORATE PRODUCTS

International Remittance

Payroll Cards

Travel & Expenses
Incentives and Rewards

Payout and Rebate Cards

Commission Payments

Subcontractor Payments

Marine & Aviation Payments

Transport & Contactless

Payment Collection & Cash Top-ups

CONSUMER PRODUCTS

Travel Money

Money Transfer

General Spend Cards

Instant Issue & Gift Cards

Virtual Cards

The eccount®

What is an eccount?

 An eccount is a unique (patent pending), robust (banking grade), state of the art, multi dimensional electronic current account that is designed specifically to meet the needs of new markets eg.prepay, as well as next generation payment requirements - like mobile banking.

The eccount platform surpasses traditional banking, prepaid card and ewallet based services to provide an enriched, easy to use, portal.

What does the eccount do?

The eccount technology enables the seamless integration of:

· loading options (credit/debit card, bank account, cheques etc)

· top-ups networks (ePos, electronic terminal estates etc)

· payments (closed loop, peer to peer etc)

· remittance (to bank accounts, agents, electronic terminals etc)

· card (MasterCard, other networks and closed loop cards)

· loyalty and rewards

and other added value services as needed by the Client and their users through one central platform.

What benefits does the eccount offer?

Users have the ability to manage and control their cards services more effectively, with convenient access to their funds and related services online, over the phone, by SMS text or from a mobile application.

Clients can add and control multiple services, tariffs and manage the customer experience and relationship through a single, simple system.

by: bodengdeng