Left to right: Christian Mitterhuber, Christian Huber

Banknote processing

Cash is the most popular payment method worldwide – beating cards, smartphones, and computers. Globally, cash volumes are rising by around 5 percent each year. Enormous quantities of notes call for efficient management at all stages, from production through circulation to quality checks and destruction. G+D Currency Technology provides end-to-end solutions for the entire cash cycle.

The cash container

 

Tropical fruit, smartphones, T-shirts – the way streams of products from all over the world find their way to our supermarket shelves and online stores is already a familiar story. Most of them arrive by ship or truck in huge freight containers. But how does the supply of cash work? Christian Huber from Business Development and Product Manager Christian Mitterhuber reveal G+D’s efficient response.

The number of banknotes in circulation is increasing year on year. This presents a huge challenge for logistics operations running in the background – and for the work of cash centers. “Our new generation of processing systems can check, sort, and process banknotes so quickly that the people operating the systems struggle to keep up,” explains Huber.

Help comes in the form of a small box. “Our green plastic crate, called the NotaTracc® tray, serves as a cargo container for cash circulation,” describes Mitterhuber enthusias­tically. The idea is simple: central banks and commercial cash centers can load up these standardized crates with notes and send them to one another. “This plays a key role in automating banknote processing.”

The benefits for cash centers are clear: Instead of receiving the money as bundles that need to be laboriously unpacked by hand and then repackaged into bundles at the end of the process, banknotes now arrive loose in the crate and are automatically fed into the machine. “Previously, each employee had to continuously feed one designated machine with money, but now they can work two machines at the same time. Not only is the process more ergonomic for the operator, it’s also much more efficient,” emphasizes Huber. There is less risk of tampering too.

The NotaTracc® trays can be used for almost all cash-related applications, confirms Mitterhuber, who also shares the underlying impetus:

»What motivates us every day is working with our customers to drive further automation of the cash cycle.«

Over a dozen customers have opted for this solution to date, including Geldservice Austria Logistik (GSA), a leading company in the cash handling sector, which holds the largest market share in Austria. NotaTracc® trays and loading modules have already been in use at the company for some time.

Banknote processing system BPS® M7

Crate for cash NotaTracc® Tray

Frank Amado Montaño Peña Deputy Managing Director of the CBDR

Banknote paper and printing

G+D Currency Technology is a market leader in cash solutions and to date has printed some 135 billion banknotes for countries around the world. One of the latest innovations in this field is the Galaxy® high-security thread, which can be embedded into banknote paper. Microscopic mirrors give the design on the thread a 3D effect and produce a distinct color change when the banknote is tilted at any angle.

World-first in the wallet

 

Several million banknotes, five state-of-the-art banknote processing systems, and one global first – all successfully delivered to the Central Bank of the Dominican Republic (CBDR) in 2017 by G+D Currency Technology, working within a very tight timeframe. Frank Amado Montaño Peña, Deputy Managing Director of the CBDR, is proud of the results for his country.

Mr. Montaño, the Dominican Republic now has a banknote that is unique in the world. What’s so special about it?

To mark the 70th anniversary of our central bank in 2017, we issued a commemorative banknote with a denomination of RD$ 500. For the first time in the long history of our currency, it bears the logo of the financial institution, just like those issued by other central banks around the world. This banknote also incorporates one of the world’s most sophisticated security features.

 

What feature is that?

We chose the Galaxy® security thread produced by G+D, which makes our banknote the first in the world to be in circulation with this pioneering technology.

 

What other banknotes in the Dominican Republic are now made by G+D?

Following completion of the tendering procedure in accordance with the applicable laws, G+D was awarded the contract to supply six banknote denominations in the 2016 series: 50, 100, 200, 500, 1000, and 2000 Dominican pesos, all issued in 2017. This series was a major challenge for the company because it was the first time it had printed this new design.

 

And the CBDR also opted for the very latest in banknote processing equipment?

Yes, we have now achieved a level of workplace safety and quality for our employees that is probably among the highest in the whole region. We did this by installing three BPS® M7 banknote processing systems from G+D in the cash center at our headquarters in the capital, Santo Domingo, and two more in our branch in Santiago de los Caballeros. 

»We have now achieved a level of workplace safety and quality for our employees that is probably among the highest in the whole region.«

How is the Dominican Republic benefiting from these innovations?

In line with our constitution, the CBDR is the sole issuer of banknotes and coins. As such, one of our core objectives is to meet the need for cash, making sure we provide a topquality product in a timely manner. This facilitates effective trade and transformation in our country.

The Galaxy® security thread
Authentication using microscopic mirrors

Central Bank of the Dominican Republic
Santo Domingo

Michael P. Brandau Senior Product Manager Verification Systems, Veridos GmbH

National border control

Around the globe, private and business travel continues to grow, placing ever-greater pressure on border control systems. In Morocco, Veridos – a joint venture between G+D and Bundesdruckerei – is providing border control solutions for a range of airports, seaports, and land border crossings. All workstations are also being connected to central IT systems and databases.

State-of-the-art and secure

 

Security and technology play an important role in the Kingdom of Morocco – especially when it comes to the country’s borders. G+D’s Veridos subsidiary installed an ultramodern border control system in Morocco within less than a year. Michael Brandau, Senior Product Manager, worked on the project from the very beginning.

Mr. Brandau, designing and implementing a national border control system is a mammoth task. What was the biggest challenge?

The high level of complexity. Morocco is a very popular destination for travelers, and there are numerous border posts for air traffic, road vehicles, and ships. A large number of databases also need to be harmonized. But Veridos effectively mastered all of this, working closely with the customer.

 

How did you achieve all that in such a short time?

We have staff members from Germany on site in the country. That means we can tackle issues together and usually resolve them before they lead to any delay. Even though the collaboration is a first for both sides, things have gone very smoothly.

 

What are the next steps?

The hardware is currently being installed: more than a thousand workstations for border control officers, as well as eGates for automated border control and mobile readers for ID documents, which can be used for passenger checks on cruise ships, for example.

»Morocco is a very technologyoriented country. Thanks to Veridos, it now also boasts state-of-the-art border control systems. Border officials can carry out a complete verification process in just 45 seconds and reliably check travelers.«

Menara airport
Morocco

Casablanca
Morocco

Left to right: 
Franz-J. Köllner Member of the Management Board, DG VERLAG
Dr. Peter Söhne Head of the Cards & Security business unit, DG VERLAG

Mobile payment

Some 3.5 billion people around the globe use a smartphone – more than double the number of five years ago. These Internetenabled devices are increasingly being used to make payments at the point of sale. G+D Mobile Security has already delivered over 100 payment solutions of this kind to its customers. These systems are based on near-field communication (NFC), a short-range wireless transmission technology that allows users to pay by waving their devices over a checkout terminal. The latest trend is making mobile payments via wearables. An increasing number of the 200 million or so smartwatches and fitness trackers used around the world now also act as a wallet on the wrist.

Payment on the move

 

Then: waiting for ages in line at the supermarket checkout. Now: simply waving your smartphone over a terminal and paying for your purchases on the go. The Volksbanken and Raiffeisenbanken cooperative banking network is making this possible by offering its customers a digital Girocard bank card or credit card on their cell phones. The highly secure technology required for this service was developed by G+D.

 “A few years ago, I was a test customer for mobile payment at Dortmund Volksbank in a joint project delivered by DG VERLAG and G+D Mobile Security. Ever since, I’ve been convinced that rolling out this convenient solution nationwide would have major benefits. And now the time has come,” declares Dr. Peter Söhne, Head of the Cards & Security business unit at publisher Deutscher Genossenschafts-Verlag eG (DG VERLAG). The Family&Friends pilot project, which involves some 200 employees of Volksbank Mittelhessen and VR Bank HessenLand, has been running since December 2017. The benefit: via the VR banking app, users can upload a digital version of their Girocard or credit card to their smartphone and use it for cashless payment transactions at in-store terminals.

 “Starting in the summer of 2018, around 85 percent of banks in the Volksbanken and Raiffeisenbanken network are expected to be able to offer their customers this new payment option,” reveals Franz-J. Köllner, a member of the Management Board at DG VERLAG. “This will enable the cooperative financial institutions to combine the best of both worlds: regional roots and a local presence with convenient and secure digital services – almost like having a bank branch on your smartphone,” he adds.

The security technology behind the digital cards is being provided by DG VERLAG in close cooperation with G+D Mobile Security. Known as HCE (Host Card Emulation), the method involves retaining some of the card data in the secure digital card production system, while delivering another part of it to the customer’s smartphone. Special servers managed by G+D send encrypted one-time tokens for each payment in the background. This cutting-edge solution is compatible with the tough security requirements of major credit card companies Mastercard and Visa, as well as with the Volksbanken and Raiffeisenbanken systems.

 “Digitalization of the payment process is well under way, but it’s more of a marathon than a sprint,” underscores Söhne. His colleague Köllner continues the sporting theme: “The Volksbanken and Raiffeisen-banken network is among the front runners – also thanks to its longstanding relationship with G+D.”

»Digitalization of payment transactions is a marathon – and we are among the front runners.«

Left to right: 
Satoshi Miyamoto, Yoshinori Matsumoto, Yasuhiro Sato, Qian He, Takashi Mochizuki, Hideki Hashimoto

eSIM management

eSIM management is one of the most dynamic areas of the digital economy, with billions of smart devices already communicating with each other. This technology is now also being adopted by the consumer market. It is expected that 850 million eSIMs will be incorporated into customer devices, such as tablets and smartphones, by 2020. G+D Mobile Security has the largest share of commercial implementations and partnerships worldwide, making it a leading player in the global eSIM management market.

Tablet to Go

 

Buying a tablet and connecting to a network immediately in store or on delivery – this might still be a dream for many users, but it is now a reality for customers of NTT DOCOMO. Japan’s largest mobile network operator first launched a tablet with embedded SIM (eSIM) technology in 2017, making it a pioneer in the mass market for mobile devices. G+D Mobile Security enabled this move.

When customers hold their eagerly anticipated new tablet or smartphone in their hands, they are usually keen to get going: start browsing, making calls, and sharing photos. But something’s missing: the SIM card that connects their device to a mobile network. If this has not yet been sent by the provider, or if an adapter is still required to allow for differences in size, patience can soon wear thin. However, things are different in Japan: “G+D’s eSIM solution allows us to connect consumers to a mobile network without the need to obtain a physical SIM card, offering what is probably the fastest and most reliable service of this kind worldwide. As the solution is interoperable and GSMA-compliant, customers can connect their compatible mobile devices to any mobile network easily and reliably,” explains Kenichi Mori, Senior Vice President and General Manager at NTT DOCOMO.

 This is made possible by G+D’s eSIM management. The first step is that a SIM card is preinstalled in the tablet by the manufacturer and registered with NTT DOCOMO, so store staff or users no longer have the fiddly task of inserting the SIM card. The next step is for the customer to buy the tablet, either in an NTT DOCOMO store or online. Step three is the exciting one: G+D loads the eSIM – containing the wireless operator profile with a selected operator tariff – onto the SIM card in the background. Done!

 “Together with NTT DOCOMO, we have worked extensively on the development of industrial eSIM management,” reports Yoshinori Matsumoto, Executive Vice President of G+D Mobile Security in Japan. “We have come up with an eSIM solution that offers maximum flexibility and ease of use.”
eSIM management is on the rise, with more device makers expected to integrate the technology into their flagship devices. These devices can then be managed remotely throughout their entire lifecycle – so without customers having to return to the store – from commissioning through changing tariff to decommissioning. G+D eSIM management technology is helping to drive our customers’ digitalization processes and make life a lot more convenient for the end user.

»Together with NTT DOCOMO, we have worked extensively on the development of industrial eSIM management.«

NTT DOCOMO
store in Tokyo

Tokio Tower
by night

Marco Breitenstein Head of the Homeland Security division, secunet Security Networks AG

Automated border solutions

The eGates developed by secunet are supported by numerous sophisticated processes running in the background – at lightning speed, unnoticed by passengers, and causing zero inconvenience. Via special software, these border control points are linked to monitoring, analysis, and administration workstations used by border officials. All of these activities are enabled by a highly secure central server system. To date, secunet has installed 250 of these border solutions around the world.

Secure gateway to the world

 

For many people, travel brings freedom and flexibility. But sometimes it can take longer than it should – especially when standing in line at a busy border control point. This is where we help travelers take back their time: the fully automated gates developed by our secunet AG subsidiary significantly speed up departures, transfers, and arrivals. They are also highly secure.

 “You need to experience them yourself to believe how easy it is. You can see the surprise on the faces of travelers who’ve just been through our eGates for the first time,” remarks Marco Breitenstein, Head of Division at secunet Security Networks AG, recalling his latest trip. “At Vienna airport, the entire process takes a little over ten seconds, from placing the passport on the document reader through the security check itself to exiting the eGate. There’s no longer any need to wait in line at the border control desk, so it’s no wonder people pass through our eGates with a smile on their lips.” At Vienna’s Schwechat airport, secunet successfully installed 25 eGates just three months after winning the contract to supply them. Another 25 will follow shortly, ensuring that this gateway to Eastern Europe is fully equipped to meet the latest requirements of the Schengen Agreement.

Another transport hub has already been relying on secunet’s automated border control solutions a little longer. Twelve eGates made by the technology leader have been in operation at Keflavík airport in the Icelandic capital of Reykjavík since 2017. Similar gates were also installed at Prague airport in the Czech Republic back in 2011, and the German police deploy our eGates at the country’s six busiest airports.

 “Nearly 50 million passengers have already used our systems. So our focus on convenience, speed, and intuitive operation, accompanied by top security, is really paying off,” highlights Breitenstein. Passengers start by placing their digital passport on a document reader. They then enter the eGate, where their photograph is taken. This image is compared with the biometric information in their passport photo and later deleted. “A border guard only needs to get involved if the images don’t match or another security check fails,” Breitenstein explains. Aside from satisfied passengers, this new process also helps to ease the pressure on officials, with one person able to oversee four eGates at once.  “This means that many more passengers can be processed by the same number of officers in the same amount of space. For airports, that represents a significant advantage in the face of ever-tougher competition.”

No more long lines, everything moving faster – can it really be secure? “Precisely because the eGates are fully automated and use sophisticated technology, they are very secure indeed and allow the border police to concentrate on higher-risk groups,” confirms Breitenstein. The gates are also linked to police search systems, which means they make a major contribution to combating crime and terrorism. From 2020 onward, certain groups of travelers who are citizens of countries outside the Schengen area will also be able to use eGates. The market is thus set for further strong growth.

eGates in Iceland Automated border control systems at Keflavík International Airport

Reykjavík View of Iceland’s capital

AUTO-SCROLL PAUSE