Swatch Access : C.A.T.

Chip Application Technologies and the Swatch Access 2

It's arrived!

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    I've finally got one of the Access 2's from the Sydney operation. Okay, here's the deal - You can tell an "Access 2" by the antenna inside the watch. If the wire is very fine and wound around 10-20 times, it's a original, but if the wire's very course (thick) and only wound around 5 or 6 times, it's an Access 2. This watch and the Sydney 2000 are both Access 2's with C.A.T.'s multiapplication software.
    FYI: the code is "SKZ110".  Only 200 pcs. were made by CAT Ltd. in Australia: 100 pcs with "Devotion" strap, 100 with a different (clear?) strap.  About 120 pcs were sold in total for $75 AUS each, the rest was destroyed due to a legal dispute. 

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Chip Application Technologies Limited (formerly Card Technologies Australia Limited) was founded in 1992 with the aim of developing the first true multi-application smartcard system (The C.A.T. System) that replaces cash, keys, tickets, coupons and other items used in everyday consumer transactions. This objective has been achieved and the C.A.T. System is used to manage Transcard, a multi-application smartcard scheme that operates in Western Sydney and Queensland. Transcard was launched in late 1996 and there are over 10,000 cards on issue that can be used on buses, at railway stations and in a variety of retail outlets. The C.A.T. System will be used in conjunction with Swatch Access watches to provide access control facilities at the 1998 Commonwealth Games in Malaysia

Today, C.A.T. is focused on the continued development of the C.A.T. System as a multi-application smartcard management system that can manage any smartcard scheme, irrespective of size and regardless of card type. terminal type and payment technology selected. CAT. was listed on the Australian Stock Exchange in 1997.

The C.A.T. System

There have been many trials of single application smartcards throughout the world which have demonstrated that single application smartcards that simply replace cash do not provide sufficient reasons for consumers to replace cash with smartcards. Multi-application smartcards provide greater consumer convenience and benefits, while at the same time improving the business case for smartcard scheme operators at a marginal increase in cost. Therefore, industry focus is now on multi-application smartcards.

The C.A.T. System provides a single environment in which cash replacements, tickets, access controls and memberships can be combined with sophisticated loyalty and incentive programs to provide an integrated multi-application smartcard solution. Other information such as medical records, passport and driving licenses may also be added to the card. These applications may be developed by CA.T. or another party.

A number of different smartcard electronic purse applications will be introduced world-wide and these include: Visa Cash, Mondex1 Chipper (used by Telstra) and Proton. Interoperability between all applications, and these electronic purses becomes vital if smartcards am to be generally accepted. The C.A.T. System allows an application to be interoperable across different card and terminal types by providing a common interlace between them. This means an organisation need only manage one version of each application rather than supporting different versions for each different card or terminal type.

The C.A.T. System is card technology independent and can be operated using contact and or contactless cards and readers, depending on client specifications. The C.A.T. System allows any combination of contact and contactless cards to operate in the same scheme and all transactions to be economically processed by the same host, regardless of the electronic purse being used.

The C.A.T. System is scalable and so provides an economical solution for companies of all sizes. At the smallest level, the C-A.T. System can use a laptop PC to manage multi-application schemes for up to 100 smartcards and this can be scaled up to networked servers for major card schemes with ten million or more cards on issue. The scalability of the C.A.T. System means smartcards become viable for small organisations creating opportunities previously limited to the large scheme operators.

The C.A.T. System creates a new marketing platform based on smartcard usage. The C.A.T. System allows marketers to provide real time incentives to customers; an ability that has escaped major loyalty schemes until now. The CA.T. System loyalty programs alleviate the need for coupons extensive backend processing and human intervention. Marketing using smartcards becomes a time and cost efficient exercise which is highly targeted towards specific customers. The smartcard platform makes marketing dynamic and even more competitive. Card holders can be rewarded due to criteria including value of expenditure, frequency of expenditure, time of day and specific location. C.A.T. loyalty programs can allow operators outside a shopping complex, such as transport providers to access the market and virtual shopping centres are created. Marketers can also take advantage of cross-sell capabilities and path marketing strategies.

The applications provided by C.A.T. include:

Loyalty and incentives -

A new and dynamic marketing platform is created by the issue of smartcards and the C.A.T. System enables marketers to target specific customers with innovative and direct marketing strategies. Rewards can be based on value and frequency of expenditure and can automatically reward customers at time of action without the need for costly back end processing, human intervention and paper coupons.

Electronic Purse -

The CA.T. System can coexist with any electronic purse such as Visa Cash, Mondex and Chipper. In addition, C.A.T. offers the scheme operator the option of a secondary electronic purse for use in closed environments such as casinos, theme-parks and companies.

Ticketing -

The CA.T. System allows point of sale terminals to become a revenue earning source for retailers and a new distribution mechanism for service suppliers by providing the capacity for off-site ticket sales. Tickets include unit based, time based and interrnodal tickets, all of which can be loaded on to a smartcard and validated by point of sale terminals.

Membership -

The C.A.T. System enables membership to be electronically managed without the need for backend processing and manual reminders.

Access Control -

The C.A.T. System provides the front end solution for access control It can be integrated with any proprietary access solution. This will be achieved in conjunction with Swatch at the 1998 Commonwealth Games in Malaysia.

Other Applications -

The C.A.T. system can provide an interface so that any application can be included in a smartcard scheme. These discreet applications can be developed by C.A.T. or by other parties and may include: passports, medical records, driving licences, office access control or other widely used facilities.

C.A.T. can provide the entire solution or any part of a smartcard solution. In addition C.A.T. can provide customers with the benefits of C.A.T.'s experience in developing and operating a fulty operational multiapplication smartcard scheme. These services include system and card design, operations transaction processing. system security1 service provider and card holder marketing and the development of the business justification for the implementation of smart card systems.


Justin Wescombe

General Manager - Sales and Marketing

Chip Application Technologies Limited A.C.N. 057883333
(Formerly Card Technologies Australia Limited)
P0 Box 267, East Sydney Nsw 2010 Australia
Level 5, Cabcharge House, 152-162 Riley Street East Sydney Nsw 2010 Australia
Telephone: +61-2-9332-4955 Facsimile: +61-2-9332-1285 Email: