OneEmpowers world-first d-CRMTM provides revolutionary functionality to Visa smart cards

OneEmpower announced its Distributed Customer Relationship ManagementTM (d-CRMTM) solution, a world-first invention by OneEmpower, using the power of smart card technology, to move CRM to the next evolution. d-CRMTM enables businesses to exploit every customer encounter fully and legitimately at the point of interaction without compromising customer privacy.

OneEmpowers world-first d-CRMTM provides revolutionary functionality to Visa smart cards

(Singapore - 6 June 2002) OneEmpower announced its Distributed Customer Relationship ManagementTM (d-CRMTM) solution, a world-first invention by OneEmpower, using the power of smart card technology, to move CRM to the next evolution. d-CRMTM enables businesses to exploit every customer encounter fully and legitimately at the point of interaction without compromising customer privacy.

Nick Fung, CEO of OneEmpower, explained, OneEmpower leverages the potential that smart cards and GlobalPlatform, an open technology platform, have to offer in revolutionizing the way CRM is implemented in order to eliminate customer privacy concerns, facilitate collaborative marketing between businesses and make CRM work upfront at any point-of-interaction, in both an online and offline environment. Distributed CRMTM or d-CRMTM achieves this by combining the concept of a portable Distributed FingerprintTM or d-FingerprintTM on a Visa smart card containing the customers composite profile with multiple service providers where the cardholder has control over the use of his d-FingerprintTM, and the concept of scripting which drives the interaction between the d-FingerprintTM and the point-of-interaction."

d-CRM adds a new dimension to OneEmpowers best-of-breed and proven Smart Customer Value ManagementTM platform that has empowered millions of customers of some of the leading companies across Asia, such as DBS Bank, Hang Seng Bank, Siam Commercial Bank and PCCW (Hong Kong Telecom)," added Nick Fung.

David Chan, Head of Chip Products for Visa Asia Pacific, said The d-CRMTM smart card solution offers huge potential to further enhance the value proposition for both consumers and merchants. Our recent Heart of Smart Consumer Research shows that consumers want to add multiple applications onto a Visa smart card, and d-CRMTM offers the flexibility of individual cardholder customization."

OneEmpower in conjunction with Visa International, and with the support of industry leaders, Sun Microsystems and Gemplus, are bringing the benefits of d-CRMTM to businesses and consumers.

JavaCard and GlobalPlatform are chosen as the platform of choice for d-CRMTM. Cherlyn Chin, Vice President, Business Development Sun Microsystems explained "Demand for incorporation of JavaCard technology is strong across a wide range of industry sectors, including mobile telephony, financial services and government. To date, we have shipped more than 170 million cards in the market. The JavaCard multi-application ability gives the card issuer a broad spectrum of choice to pull from existing applications including GSM, financial services, Public Key (PK) authentication and others. The combination of JavaCard and GlobalPlatform (formerly known as the VISA Open Platform) provides a powerful implementation framework for d-CRMTM."

Gemplus is pleased to be working with OneEmpower and industry leaders on this exciting initiative. This partnership proves once again Gemplus leadership in smart card innovations; in this instance, for the consumer services industries. We are always at the forefront of technological development; our partners and customers can be assured of more of such breakthroughs in coming months, " said Chou Fang Soong, Senior Vice President, Financial & Security Services, Gemplus Asia Pacific.

d-CRMTM can be used for a wide range of applications -- from privacy management, permission marketing, dynamic personalized pricing, personalized offer, collaborative marketing, risk management, reward management, retention management to profitability management. It can be implemented in small incremental steps, helping businesses avoid the pitfalls of large projects that overrun and fail to yield the expected ROI.

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For more information, please contact:
Joanne Tan
Tel: (65) 6248 5115, email: joannetan@oneempower.com

About OneEmpower
OneEmpower (www.oneempower.com) is a leading provider of intelligent solutions and services for the Business To Consumer EconomyTM (B2C EconomyTM). Founded in 1999 and headquartered in Singapore, OneEmpower has regional operations and representatives throughout Asia Pacific including Hong Kong, Taiwan, China, Korea, Thailand and Philippines.

OneEmpowers unique Smart Customer Value ManagementTM (Smart CVMTM) is an open, scalable and cost-effective suite of solutions and services that integrates customer acquisition management, customer engagement management, customer intelligence management, customer reward management and customer relationship management with payment across multiple channels -- physical, Internet and wireless, multiple customer touch points and multiple card media -- chip card, magnetic stripe card and virtual card. Smart CVMTM helps businesses craft winning strategies and unlock new sources of hidden value associated with every consumer to improve customer satisfaction and loyalty, increase revenue per customer and overall customer base, and reduce costs. It aims at maximizing the value of customers to businesses and vice-versa.

With its definitive experience in secure payment, chip card applications, loyalty rewards and CRM, complete with a comprehensive suite of innovative Smart CVMTM solutions and services, OneEmpower has empowered millions of customer of many leading companies in the financial services, communications, hotel, travel and retail industries.

About Visa International
Visa International
Visa is the world's leading payment brand. Visa-branded cards generate more than US$2 trillion in annual volume worldwide and are accepted at more than 24 million merchant locations around the world, including more than 750,000 automated teller machines. Visa is a leader in Internet payment and electronic commerce, with more than 50 percent of electronic transactions being made with Visa cards.

Visa Asia Pacific
In Asia Pacific, Visa has a greater market share than all other brands combined with more than 56 percent of retail sales volume. During 2001, a total of US$480 billion was spent in Asia Pacific using Visa cards, a growth of 70 percent over the previous year. Visa Asia Pacific's Internet address is www.visa-asia.com.

About Sun Microsystems
Since its inception in 1982, a singular vision -- "The Network Is The Computer[tm]" -- has propelled Sun Microsystems, Inc. (Nasdaq: SUNW) to its position as a leading provider of industrial-strength hardware, software and services that make the Net work. Sun can be found in more than 170 countries and on the World Wide Web at http://sun.com.

About Gemplus
GEMPLUS: the worlds leading provider of smart card solutions.
Gemplus helps its clients offer an exceptional range of portable, personalized solutions that bring security and convenience to people's lives. These include mobile Internet access, inter-operable banking facilities, e-commerce and a wealth of other applications.
Gemplus is the only completely dedicated, truly global player in the Smart Card industry, with the largest R&D team, unrivalled experience, and an outstanding track record of technological innovation.
In 2001, Gemplus was the world number one in smart card shipments according to Gartner-Dataquest, IDC, Frost and Sullivan, Datamonitor and The Nilson Report.
Gemplus trades its shares on Euronext Paris S.A. First Market and on the Nasdaq Stock Market as GEMP in the form of ADSs. Its revenue in 2001 was 1.0 billion Euros.
Gemplus: Beyond Smart www.gemplus.com