“Atos Origin and Visa join forces in France to deploy the 3-D Secure secure online payment architecture under the “Verified By Visa” program”

Paris - June 10 2002

Visa EU and Atos Origin, the leading provider of remote terminal management services in France, have begun certifying the SIPS -Atos Origin secure payment platform using the 3-D Secure architecture. French banks are now in a position to offer the 2500 merchants that already deploy Atos Origin solutions, guaranteed payment (transfer of responsibility) on international transactions made using a bank card online.

Visa's 3-D Secure technology offers member Visa banks the possibility of verifying that a legitimate consumer and merchant did indeed participate in and approve a transaction. When making a transaction, cardholders will be asked to confirm their identity using, for example, a password, in the same way as they are currently asked to sign off a transaction or enter their personal code. Visa protects online businesses deploying the 3-D Secure Technology. Indeed, with effect from April 2002 in Europe, and April 2003 internationally, merchants will no longer have to cover bad debts from rejected transactions.

The main advantage for cardholders is that it is easy to use. There is no need to install additional software and the authentication procedure set up by the bank applies to all types of transaction.

3-D Secure authentication technology enables e-businesses to optimize their running costs by removing costs relating to:

  • rejected transactions
  • products dispatched following a fraudulent transaction.
  • processing bad debts and disputes
  • the negative impact this has on their image and reputation.

Furthermore, since international transactions are guaranteed, French merchants will be able to develop their foreign sales without having to worry about the usual types of risk associated with these transactions.

Atos Origin has designed a global solution which caters to the needs of e-businesses and the financial establishments who issue Visa cards. Atos Origin's open and evolutive offer is based on:

- Services for e-businesses and those who use SIPS*
- The VIRTUAL-ID** Internet authentication platform.
This solution covers all the functionalities defined in the 3-D Secure program.

" We are delighted that Atos Origin has decided to be one of the early adopters of Visa's 3-D Secure payment technology " said Emmanuel de Cazotte, General Manager of Visa France. " Being able to provide Atos Origin's banking and merchant clients with access to our technology is an important part of our global deployment strategy. Many well known American and European merchants already deploy 3-D Secure. It was important for us to offer the 2500 French SIPS-users the possibility to become early adopters too. They should be able to start using the technology this Fall. "

"Security is a key issue for the development of e-Commerce. Atos Origin has pioneered secure online payments in Europe. In integrating the " Verified By Visa " solution into its global eSecurity offer, Atos Origin, is ensuring that its services are evolving in line with new online payments schemes, so as to cater better to the international needs of its clients " said Christian HUGUET, CEO of Atos Origin Services.

* SIPS solutions for e-businesses.
SIPS, Secure Interactive Processing Services, is a solution proposed by Atos Origin to accept, secure and validate Internet transactions. SIPS is a " virtual cash register " which processes orders (payment, subscriptions, etc) in total security over the Net. This service is aimed at e-businesses who want to ensure their transactions are secure. Most financial establishments use SIPS to improve their relationships with their customers and to introduce innovative services.
In integrating Visa's 3-D Secure technology into its SIPS platform, Atos Origin will offer most French merchants the possibility to benefit from the advantages provided by the " Verified By Visa " program.
French SIPS-users who adopt the " Verified by Visa " program will be able to benefit from a payment guarantee on all international transactions involving Visa cards.
Atos Origin currently processes almost one million Internet transactions per month using SIPS, and 5 million transactions per month from e-businesses.

** The VIRTUAL-ID internet authentication platform.
In addition to the services offered to " acquiring " banks, Atos Origin is adding its own Virtual-ID system to " issuing " banks deploying the " Verified By Visa " solution. When an e- purchase is made from a merchant who is a member of the " Verified by Visa " scheme, the cardholder will have to identify him/herself, via Virtual-ID, to validate the transaction.
Each bank using Virtual-ID can select the type of personal identification to be provided. This can range from a simple ID/password to more secure solutions such as the EMV certifier, smart card readers, electronic signature system using the X509 certificate, or even possibly at some time in the future… biometry.
The banks can fully customize the Virtual-ID service (ergonomics, graphics, media accounting, etc) depending on its marketing objectives and internet service offer strategy, and establish a single form of identification using Virtual-ID (for online banking, online stock market transactions, payments, etc).

About Visa
Visa is the world's leading payment brand. Visa-branded cards generate more than US$2 trillion in annual volume and are accepted at more than 24 million physical locations around the world, including more than 750,000 ATMs. The Visa organization plays a pivotal role in developing innovative payment products and technologies to benefit its 21,000 member financial institutions and their cardholders. Visa is a leader in Internet based payments and is pioneering the creation of u-commerce, or universal commerce - the ability to conduct commerce anywhere, anytime, and any way. For more information, visit www.visa.com

Verified by Visa is a new service that Visa has launched recently in the US and is currently rolling out in the EU region. It will encourage on-line shopping by increasing consumer confidence. Cardholders and merchants are protected while shopping online as the card Issuing Bank authenticates their cardholder during the sale and notifies the merchant that the buyer is legitimate.

Verified by Visa is based on Visa's 3-D Secure technology which was launched in August 2001. 3-D Secure is the world's most comprehensive e-commerce program. It combines a complete commercial framework with technological innovations to protect online payments on a global scale and vastly improves the payment service for merchants, consumers and Visa Members.

With the new policy changes and global business rules, merchants will be able to sell and ship goods to any of Visa's cardholders worldwide, knowing they will be paid for the goods they sell because Visa has verified that the legitimate consumer participated in and approved the transaction. Merchants will also benefit from increased business volume resulting from growing consumer confidence.

Press contact :
Anne Garella / Xavier Cayon
Tél 33 (1) 41 86 76 76

About Atos Origin
Atos Origin is a leading international business and technology integrator. Its business is turning client visions into results through the application of management consulting, enterprise, e-business and outsourcing solutions. The company has annual revenues of EUR 3 billion, operates in more than 30 countries worldwide and has over 26,000 employees. Atos Origin's clients include ABN-Amro, Alstom, Akzo Nobel, BNP PARIBAS, Euronext, Fiat, ICI, KPN, Lucent, Philips, Renault, Saudi Aramco, Shell, Unilever, Vivendi Universal and Wolters Kluwer.

Atos Origin's European banking and financial clients include ABN Amro, Banque AGF, Banque Finaref, BNP Paribas, CCF, CDC Bourse, Crédit Agricole, Deutsche Bank, DEXIA, Fimatex/Société Générale, Finama, Fortis, ING, La Poste, Rabobank, …
Atos Origin offers a range of services to help their clients grow by optimizing, enriching and securing their data flows (contacts, information, payments) regardless of the medium used. The group's activities include management consulting, payment solutions and services, document dematerialization, global CRM and multimedia client call centers in partnership with SNT.

Press Contacts:
Marie-Tatiana Collombert
+ 33 (1) 49 00 96 33

Anne de Beaumont
Tel: + 33 (0)1 49 00 96 42
Email: anne.debeaumont@atosorigin.com