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Spring 2012

Exploring the utilization of identification technologies on college and university, K-12 and corporate campuses




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Spring 2012

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CONTENTS 4 | Perspective | Campus cards, expectations and the modern student

Campus ID systems go to high school

6 | ID shorts | News and posts from 12 | Feature | Campus ID systems go to high school 16 | K-12 | Philly public schools adding transit to existing contactless IDs


17 | Transit | DC schools roll out smart IDs for transit 18 | Case study | The evolution of a campus card: Budget demands phased roll out of contactless at Quinnipiac 20 | Annual bank survey | Regulations make it tougher for banks on campus 24 | International | Standard European campus ID moves forward

Regulations make it tougher for banks on campus

30 | Update | Campus card ‘evangelist’ strikes out on his own EXPERT PANELS


26 Contactless: Can colleges be first in class? 28 Campus card systems going to the cloud


28 Now is the time for mobile solutions 29 2012 to take credentials mobile

Standard European campus ID moves forward


19 US Bank

5 Heartland Payment Systems Campus Solutions

7 Off Campus Solutions

11 Wells Fargo 15 Datacard Group

27 Agilysis

31 CBORD 32 HID Global

Spring 2012



PERSPECTIVE EXECUTIVE EDITOR & PUBLISHER Chris Corum, EDITOR Zack Martin, ASSOCIATE EDITOR Andy Williams, CONTRIBUTING EDITORS Ryan Clary, Liset Cruz, Seamus Egan, Autumn Giusti, Jill Jaracz, Gina Jordan, Ross Mathis ART DIRECTION TEAM Franco Castillo, Ryan Kline ADVERTISING SALES Chris Corum, Sales Department, SUBSCRIPTIONS CR80News is free to qualified professionals in the U.S. For those who do not qualify for a free subscription, the annual rate is US$29 ($59 outside the U.S.). Visit for subscription information. No subscription agency is authorized to solicit or take orders for subscriptions. Postmaster: Send address changes to AVISIAN Inc., 315 E. Georgia Street, Tallahassee, Florida 32301. ABOUT CR80News CR80News is published twice a year by AVISIAN Inc., 315 E. Georgia Street, Tallahassee, Florida 32301. Chris Corum, President and CEO. Circulation records are maintained at AVISIAN Inc., 315 E. Georgia Street, Tallahassee, Florida 32301. Copyright 2012 by AVISIAN Inc. All material contained herein is protected by copyright laws and owned by AVISIAN Inc. No part of this publication may be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopy, recording or any information storage and retrieval system, without written permission from the publisher. The inclusion or exclusion of any does not mean that the publisher advocates or rejects its use. While considerable care is taken in the production of this and all issues, no responsibility can be accepted for any errors or omissions, unsolicited manuscripts, photographs, artwork, etc. AVISIAN Inc. is not liable for the content or representations in submitted advertisements or for transcription or reproduction errors. EDITORIAL ADVISORY BOARD Submissions for positions on our editorial advisory board will be accepted by email only. Please send your qualifications to info@AVISIAN.



Spring 2012


A common theme from the coverage in this issue revolves around student expectations. As you will read in these pages, one contributor describes students expecting card office services delivered via mobile devices. Our piece on Quinnipiac’s revamped Qcard notes that students expected a campus wide rollout of contactless readers and expressed some dismay when costs demanded a phased approach. Another mentions that future students will expect the smart phone to serve as the ID itself. Our cover story raises a different specter of expectation. It seems that campus card systems are finally making more tangible inroads into the secondary education market. Both public and private K-12 schools are embracing the same technology that campus card offices have been delivering to college students for years. For those of us running great programs with adequate funding and opportunities for continued advancement, this is great news. Incoming students arrive card-educated, ready to embrace the services our programs offer. It’s likely they will be frequent users, program advocates and early adopters for new offerings. But for those with programs lagging behind the times or in danger of obsolescence due to budget cuts, this spells trouble. In the near future, it is likely that incoming students will have had a higher functioning ID card

in high school than the one we issue at freshman orientation. In such cases, it will be virtually impossible to meet student expectations. I remember working with a series of liberal arts colleges in the MidAtlantic region back in the 1990s. Competition for new students was fierce, and several campuses turned to advanced technology to separate from the pack. High-tech card systems were one way to “wow” prospective students and parents. To these progressive thinkers, capital investment in technology was seen as a recruiting and retention tool. We are again at this point, but the downside is greater. New technologies like mobile ID and anytime/ anywhere service delivery, can once again enable us to wow students and prospects. But falling short – offering a basic card program -- won’t land us in the middle of the pack as it did back then. In the eyes of new students whose technology expectations were set high by their K-12 experience, we won’t even receive a passing grade. It is just one more thing to keep in your arsenal as you plan and “sell” your card program internally on campus. Enjoy this issue and I hope to see you at NACCU in Seattle.

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Campus Solutions

ID SHORTS MAINE COLLEGE’S ONECARD GOES OFF CAMPUS The OneCard from Bowdoin College in Brunswick, Maine, can now be used at three off-campus restaurants with more merchants set to join. “It’s a project we’ve been working on for some time now and its finally coming to fruition,” said OneCard Coordinator Chris Bird. The system is handled by CBORD’s UGryd, which enables merchants to directly charge students’ OneCard accounts.

HEARTLAND INTEGRATES WITH SUNGARD BANNER STUDENT INFORMATION SYSTEM The Campus Solutions Division of Heartland Payment Systems partnered with SunGard Higher Education, enabling Heartland’s Campus OneCard to be integrated with SunGard’s Student Information System. Heartland’s hosted payment gateway will now provide real-time integration for student payments. With the integration, Heartland can provide both a payment gateway and processing capability, reducing costs for colleges and universities by eliminating a thirdparty gateway provider. The integration also streamlines business operations with only one phone call needed for both service and support. “The integration to OneCard will improve our student services and business operations,” said Bruce Caddell, associate director card services at Dalhousie University, Halifax, Nova Scotia. “When a change is made in Banner, the information will



Spring 2012

be immediately available on a student’s card account. It’s beneficial for both the university and our students.”

OHIO STATE STUDENTS LINK CAMPUS CARD TO HUNTINGTON BANK ACCOUNTS Huntington Bank, Columbus, Ohio, launched a new service for Ohio State University enabling students to link their Buck ID cards to their Huntington checking accounts at no charge. Students can now access their account at Huntington ATMs and make point-of-sale transactions using the official campus card. Under the agreement, Ohio State is receiving $25 million from Huntington, which the university will use for academic scholarships and educational programming. The agreement also allows the bank to offer products and services to the school’s 600,000 students, faculty, staff and alumni. Huntington plans to install up to 12 more ATMs to go with the 12 already on campus as well as add up to four branches on the main campus.

CARDSMITH, COLORID PARTNER TO OFFER MORE CLOUD-BASED SERVICES ColorID will market campus card solutions from CardSmith to ColorID customers in higher education and other market segments. The companies will have special pricing for ColorID customers with a custom version of CardSmith’s customer incentive program. In addition to higher education the companies will offer service for independent and public schools, health care and hospitals, assisted living facilities, government installations and corporate locations. ColorID will also provide account management services for CardSmith customers acquired through its channels.

TENNESSEE, SOUTH CAROLINA SYSTEMS TAP HEARTLAND FOR FINANCIAL AID DISBURSEMENT Tennessee’s Board of Regents selected Heartland Payment Systems’ Campus Solutions division to handle financial aid disbursement and refund management through Heartland’s Acceluraid financial aid disbursement product. The contract covers six universities, 13 community colleges and 27 technology centers. South Carolina also selected Heartland, in partnership with security provider Bridgeway Solutions, as one of the state’s preferred providers for electronic disbursement of financial aid refunds and payments to students. This agreement enables South Carolina state colleges and universities to contract for Heartland’s Acceluraid disbursement product without issuing a request for proposal. With Acceluraid, students receive a schoolbranded Discover prepaid debit card where funds are automatically deposited and can then use their funds anywhere Discover is accepted.

HID COMPLETES NFC KEY PILOT AT ASU HID Global announced the successful completion of a university pilot of NFC smart phones carrying digital keys. First announced in September 2011, the pilot involved a select group of students and staff at Arizona State University using NFC-enabled smart phones equipped with

ID SHORTS HID’s Secure Identity Object (SIO) Technology. Participants could gain access to their residence halls and other secure areas by tapping their handset. Approximately 80% of the ASU participants reported that using a smart phone to unlock a door is just as convenient as using their campus ID card. Nearly 90% said they would like to use their smart phone to open all doors on campus. And, while the pilot was focused on physical access, nearly all participants also expressed an interest in using their smart phone for other campus applications including access to the student recreation center, as well as transit fare payment and meal, ticket and merchandise purchases. HID partnered with ASSA ABLOY Americas, Device Fidelity, Kratos/HBE, Research In Motion and Verizon Wireless for the pilot, which allowed participants to use a variety of smart phones over any network. “From a pilot perspective, it was clear that the students loved it, and they want it,” said Humphrey Chen, Verizon’s executive director of New Technologies and New Market Development. “The pilot gave us a clear indication that people would use their smart phones to unlock their dorm room doors, and this technology can be used for office doors and home doors, too.”

FINGER SCANNING UTILIZED AT TWO WEST VIRGINIA HIGH SCHOOLS High schools in Jefferson County, W.V. will be implementing biometric finger scanning in an effort to provide security for student cafeteria accounts. Purpose of the program, according to school officials, is to eliminate



Spring 2012

clerical errors and to provide easy identification for students using the cafeteria. Using the finger scanner provided by identiMetrics, the software scans the finger to create and store individual templates of unique points that ID each student. When the student returns to the cafeteria, his finger is again scanned and if a match is found in the database, the student is identified. School officials pointed out that the scanner does not store a copy of the fingerprint. It just creates a template of the student’s fingerprint characteristics. When the student graduates or is no longer enrolled at the high school, the template is deleted.

CBORD LAUNCHES NEW ODYSSEY PCS VERSION The CBORD Group rolled out version 6 of its Odyssey PCS card system featuring online and mobile control of activities and sales. It also includes AdminWeb, making it easy to access current information on the go. Version 6 supports real-time email notifications generated by Odyssey. For example, an alert can be configured to notify an administrator when a specific patron’s card is used, or a patron can be alerted if an account balance falls below a threshold level. AdminWeb, a Web-based version of the user interface, enables users to view and edit patron data from any Web-enabled computer or mobile device and proactively monitor terminal statuses and errors. Real-time privilege information is also at the user’s fingertips with the Odyssey PCS Web Activities module. It enables administrators to look up patrons and instantly verify eligibility, freeing staff from using outdated static lists.

The Web Sales module provides payment options for events. Administrators can search for patrons or swipe their cards and process payments through Odyssey eliminating the need to handle cash.

PAIR USING FORGED STUDENT IDS TO OBTAIN U-PASSES DEPORTED A Chinese couple that used stolen identity information from students at Simon Fraser University in Canada to fraudulently obtain TransLink U-Passes has been deported. Siyuan Gu and Jing Wang pleaded guilty in December to using the forged documents. When police raided their apartment they found “some retail PIN card terminals, wireless remote transmitter and receiver, a magnetic card reader and locksmith tools,” police said. The pair was in possession of 47 forged student IDs when arrested and police found a 500-page printout of information on SFU students. The information was obtained from university computers that had been compromised with devices that enabled the thieves to record the keystrokes of users. The U-Pass system enables students to pay a reduced rate for transit services. It’s available to all eligible public, post-secondary institutions in Metro Vancouver.

NUVISION NAMES EXECUTIVE VP Campus card provider NuVision Networks named Brian Adoff as the company’s new executive vice president. Formerly NuVision’s national sales manager, Adoff will

ID SHORTS now oversee company-wide operations and develop strategic partnerships.

too difficult to tell if the photograph is the actual person holding the card.”

“Between our growing client base and expanding strategic partnerships NuVision has experienced record growth in the past few years,” said Adoff.


In 2011 alone NuVision was awarded the South Carolina state contract for card systems, large-scale upgrades at Colorado State University, Theil College (Penn.) and Elizabeth City State University (N.C.) and contracts for new installations at Greensboro College (N.C.), Huston-Tillotson University (Tex.), Molloy College (N.Y.) and Zamorano University in Honduras.

MAINE UNIVERSITY REQUIRES HAND SCANNERS TO DETER SHARING OF ID CARDS In an attempt to prevent students from sharing their ID cards in the cafeteria line, the University of Maine at Orono deployed hand scanners at the beginning of the fall semester making use mandatory for all students with unlimited meal plans. In the future the university intends to expand scanner use to anyone who eats in the dining hall. “If people are sharing meal plans, it increases food costs, which in turn increases the costs overall for students,” said Kathy Kittiridge, director of dining operations. Why can’t cashiers simply compare the photograph on the ID with the student presenting it? “Photos get old, worn and faded,” said Dan Sturrup, director of auxiliary services. “When there are large lines of people it’s unreasonable to ask the cashier to check every photograph, and it’s often

As more and more schools make the transition to smart cards, it’s easy to forget that some universities are quite happy with their magnetic stripe cards. An article at Assa Abloy’s Future Lab Web site points out that some colleges have withstood moving to smart cards, either because it’s too expensive or students and faculty haven’t asked for them. Even though smart cards offer a higher level of security and flexibility, many campuses are reluctant to give up their physical metal keys, let alone magnetic stripe cards. North Georgia College and State University, for example, still uses keys in about 70% of its classrooms, but that will decline to 40% as the school moves toward electronic access control. Still, the university’s technology upgrades won’t include a smart card. Mag-stripe cards are still the school’s card of choice. “Students don’t know the difference between magnetic stripe and smart cards,” says a university spokesperson. “And unless they start wanting a lot more information directly on their cards, we won’t be going to smart cards anytime soon.” Another reason, of course is price.

said a school spokesperson. “The magstripe cards are convenient. We use them for everything from debit accounts to sporting events.”

NUVISION NAMES EXECUTIVE VP Campus card provider NuVision Networks named Brian Adoff as the company’s new executive vice president. Formerly NuVision’s national sales manager, Adoff will now oversee company-wide operations and develop strategic partnerships. “Between our growing client base and expanding strategic partnerships NuVision has experienced record growth in the past few years,” said Adoff. In 2011 alone NuVision was awarded the South Carolina state contract for card systems, large-scale upgrades at Colorado State University, Theil College (Penn.) and Elizabeth City State University (N.C.) and contracts for new installations at Greensboro College (N.C.), Huston-Tillotson University (Tex.), Molloy College (N.Y.) and Zamorano University in Honduras.


Valdosta State has been using magnetic stripe cards since 1992 and while the equipment may have shifted from offline to online since then, not much else has changed.

More than a million users have chosen the latest release of Blackboard Connect 5 for their mass notification service needs. More than 200 school districts, higher education institutions and local governments have signed on to the revamped service.

“We talked about going to smart cards in the past but there wasn’t a big enough interest from the student government,”

The 2011 Campus Computing survey reported Connect is the most widely used notification service in higher education and

Spring 2012



ID SHORTS helps institutions create and send messages faster and ensure that they are targeted and relevant to specific audiences. One school district said the change was made over the weekend and by Monday “we were back at work sending 41 messages to thousands of parents without a hitch.” Blackboard Connect enables users to record, send and track voice notifications to home phones, businesses, local agencies and mobile devices. The system also sends email, text messages and posts to Facebook and Twitter. In addition, built-in features, such as automated language translation and real-time delivery reports ensure users receive messages during time-sensitive events and critical situations.

UCF ROLLS OUT VEIN SCANNING AT CAMPUS REC CENTER The University of Central Florida (UCF) implemented a biometric vein scanning system in an effort to prevent unauthorized persons from entering certain campus facilities. The campus’ Recreation Wellness Center is one of the first to install the system, following numerous complaints of unauthorized people trying to sneak into the facility. To register students simply scan their finger over a touch pad that reads their veins. There has been some student resistance and privacy concerns but campus officials responded by stating no information is actually kept, just a code that comes up on the screen and a green check mark when students check in.



Spring 2012

JASPERSOFT, CARDSMITH ENHANCE THE STUDENT EXPERIENCE Jaspersoft announced that CardSmith is using its business intelligence suite to provide campus customers with better decision-making through Web-based reports, dashboards and analysis. CardSmith embeds Jaspersoft in its Software as a Service (SaaS) transaction solution enabling administrators to create reports that analyze student and consumer behavior. The CardSmith managed service provides educational institutions with campus card services without the incremental IT resource investments. Jaspersoft offers on-demand access to critical information, while automating distribution of information and providing faster insight to key decision makers. Campus administrators are provided with business and operational insights, such as sales activity volumes for accounting, as well as student purchasing insights used to optimize business operations and the student experience.

VILLANOVA CONDUCTS ACCESS CONTROL TEST WITH SMART PHONES Ingersoll Rand Security Technologies and the CBORD Group are in the midst of an access control trial at Villanova University in Pennsylvania involving NFC and smart phones. Since November 2011, a select group of Villanova’s students and staff have been

using smart phones as their credential to access dormitories, academic buildings and administration offices. The NFC credential integrates with the school’s CS Gold campus card system from CBORD. To enter buildings, students simply open a dedicated app and tap their phone to the access control reader on the wall in the same way that they would present their Wildcard campus ID badge. For purposes of the pilot, only students with specific smart phone models were included in the test, said a CBORD spokesperson. “Today’s students are so technologically advanced that it is second nature for them to put everything on their phones,” said Kathy Gallagher, Villanova’s director of card services. “It’s easier for students to use an app on their phone versus digging for their card.” “Using smart phones as badges saves time that can be better spent on other issues,” said John Bonass, Villanova systems manager. “Assigning the credential to the students’ phones takes less work than printing and delivering a badge, and since students are very protective of their phones, this should lead to a greatly reduced replacement rate.” If a phone is lost or broken, a new ID can be reissued to a new phone without the students having to come to the card office. “This smart phone approach to the student credential is a way to make the system better support the way the university community lives and works day to day,” added CBORD COO Max Steinhardt.

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Kindergarten through high school … the final frontier for the higher education campus card provider. While ID cards are not uncommon in school hallways, the secondary education market is virtually untapped when it comes to advanced campus card systems. Campus card providers including CBORD, Blackboard, CardSmith and Heartland are working to gain a foothold in the K-12 market. A handful of progressive high schools are already finding that advanced card systems can ease many administrative burdens and give students a glimpse into their future when they head to college and are responsible for their own budget. Adlai Stevenson High School, a public school near Chicago, could almost pass for a college. Occupying a million square feet and comprising its own school district, it is a successful college preparatory school with 97% of



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its graduates going on to college. It uses technology from Blackboard to power its campus card program. There’s also Williston Northampton School, a private school served by CardSmith in Easthampton, Mass. It has 528 middle and high school students and is a combination day and boarding school. The Burlington School District in Vermont is serviced by Heartland School Solutions, a division of Heartland created specifically to manage the K-12 market. And the 3900 students at the Singapore American School rely on CBORD for campus card solutions. It is located on a 34-acre tract and features three

cafeterias, three swimming pools, four libraries, three theaters, eight gymnasiums, a broadcasting studio, a climbing gym and tennis courts.

EXTENDING THEIR REACH It makes sense for campus card companies to broaden horizons because there’s not a lot of difference between high schools and colleges. “High schools are like smaller college campuses,” says Jay Summerall, president of CardSmith. “High schools have a very similar list of needs as do many of our university clients,” says Jeff Staples, Black-



board Transact’s vice president of market development strategy. “The most glaring differences regard residential needs.” High schools need everything from payment to identity driven services to secure access, Staples adds. “ K-12 has different reporting requirements -- such as free and reduced lunch controls -- but at the end of the day it still comes down to managing assets and services.” At least some see the level of interest from schools increasing. “I think there’s momentum among high schools to advance card systems,” says Summerall. “We have a fairly steady stream of inquiries, and we’ve picked up some in the last year or two. It’s a business we’re starting to focus on.” A major advantage is that the schools eliminate handling cash, says Summerall. “It alleviates a big administrative burden at the cashier level,” he adds. “I had one administrator overjoyed she wouldn’t have her staff collecting coins from laundry and vending machines,” says Summerall. This can free up time for multiple staff members because to physical collection of money typically requires dual controls and chaperones. “As a high school the availability of a cashless system is huge,” says Mark Michelini, assistant superintendent for business at Adlai

Stevenson. “We’re not counting dollar bills any more.” The institution, named after a former Illinois governor who ran for president in 1952 and 1956, went live with Blackboard Transact in August 2010 using the system for stored value accounts. Blackboard Transact also helps ensure students using the free and reduced lunch program are not recognizable by others, ensuring anonymity and privacy, says Michelini. The school went from using two separate stored value accounts -- food services and bookstore accounts -- to a one card solution, adds Staples. Blackboard also provides online deposit capability so parents can fund student accounts. Another goal was to give students a glimpse into college life, says Douglas Kahler, Stevenson’s director of information services. “I enjoy the fact I can go to a vending machine and use my Blackboard card. Faculty, staff, everyone is utilizing the card,” says Kahler.

CBORD VISITS ASIA CBORD entered into the K-12 market in 1996 when it started serving two private schools, Deerfield Academy in Massachusetts and The Latin School of Chicago, says Read Winkelman, CBORD’s vice president of sales. The company also serves the Singapore American School in Southeast Asia. The school was established in 1956 to serve the growing American community while Singapore was still part of Malaysia. It is located on a 34acre campus on the north end of the island. The buildings themselves include more than 1 million square feet and serve 3,900 students from ages three to 18. The population consists of 55 nationalities with 72% holding an American passport, says William Scarborough, director of finance and business operations at the school.

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and road tolls, explains Scarborough. In addition, Singapore American uses CBORD’s integrated POS system, printer and copier control, CCTV with 250 cameras and access control turnstiles at entrances to campus and various office doors. Additionally, card readers are installed on 115 school buses to record rider access.

CARDSMITH’S PRIVATE SCHOOL PLAY Summerall says he had no idea that he would be involved with the secondary school market, when CardSmith was first founded nine-years ago. The company started serving the secondary market in 2005-06. Most clients are private high schools, both day and boarding schools. “They sought us out and we learned what their needs were and some of the nomenclatures,” Summerall adds. The Massachusetts-based Williston Northampton School is in its fourth year with CardSmith, says Chuck McCullagh, the school’s chief financial officer. He cites three reasons the school wanted to build a robust campus card program for its students. “First we wanted to be able to use the card on campus for transactions -- to purchase from the soda machine, the campus store, snack bar, library. We wanted to eliminate the need for cash,” says McCullagh. Second, the school wanted to provide parents the ability to track their student’s charges in real time. “They can look at the status of the student account,” McCullagh says. “We have a number of international students and it’s good for those families.” Williston’s third reason -- one cited by numerous schools -- is that most of their students will be going to college and need to learn budgeting and financial responsibility. “They have to learn how to manage the card and their spending,” says McCullagh.


Singapore presented its own challenges when it went looking for a card provider. For example, in its review of vendors, the school had to eliminate several because they only offered 110-volt equipment as opposed to 230 volt, says Scarborough. He says that they found CBORD offered a robust product offering and had local representation out of Australia. The company provides an ID card with two purses or accounts. The first is controlled the school and used in cafeterias and vending machines on campus. The second is managed by a national provider and can be used at 15,000 merchants in Singapore, including the public transit systems and for parking





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AND THEN THERE’S PUBLIC SCHOOLS When you add public schools to the mix, there are more reporting requirements, such as tracking free and reduced lunch recipients. While CBORD could offer K-12 any of the services it offers higher education, the company had a challenge in the cafeteria. “We don’t have a program that manages free and reduced lunch,” says Winkelman. Horizon Software International fixed that. CBORD’s parent company, Roper Industries, acquired Horizon in 2008 to serve public school systems. “Horizon represents approximately half of the mega school districts in the U.S.,” says Randy Eckels, Horizon president and former CBORD senior vice president of sales and marketing. Together, CBORD and Horizon serve about 30,000 schools, says Eckels. Horizon is 20-years-old and was created for the single purpose of serving the K-12 market, says Eckels. It was originally a back of the house software solution used for menu planning, procurement and production, he adds. Still most public schools and Horizon clients don’t issue ID cards or use them in the cafeteria. In high schools PINs or fingerprints are more common than plastic cards, says Eckels. Older students enter a PIN number when going through the cafeteria line, but for younger kids, the cafeteria relies on the child’s picture to access the account and determine whether he’s on free or reduced lunch, says Eckels. Horizon’s MyPaymentsPlus system enables a parent to deposit funds online for lunch money, vending purchases and student fees, says Eckels. Even without a physical campus card, the system eliminates cash handling. Students can even enter a fourdigit code at a vending machine. “(For K-12) It’s a more practical implementation than a card system,” says Eckels. Others see these PIN and biometric























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solutions as an ideal intro to full-blown campus card implementations. As schools get a sense of the administrative efficiencies, it can open their eyes to other possibilities.

BUYING INTO THE K-12 SPACE Heartland entered the K-12 market by acquiring four companies to form its School Solutions division, says Keith Womack, Heartland’s School Solutions director. “We started two years ago, acquiring companies with 25 years’ experience in the K-12 space,” says Womack. “We saw a real advantage to serving K-12 schools.” The companies acquired by Heartland include: School-Link Technologies, solutions provider for payments management; LunchBox Software, provider of school nutrition software; Comalex, developer of POS and food service functions; and MySchoolBucks, a Web site for parents to pay for their child’s meals and other expenses. Student account usage keeps lunch lines moving rapidly, says Womack, noting that most students have just 20 minutes to eat. “Students tend to spend more when they have money in accounts,” he adds. “And we can provide lots more information to parents.” Think children can order and eat anything they want in the cafeteria? Think again. With SeeMyPlate, another Heartland product that is integrated into the cafeteria’s POS system, a photo of the student’s tray is captured at checkout. “The picture is uploaded to our parent Web site for secure access to their child’s meal purchase,” adds Womack. Parents can see what their child buys. SeeMyPlate is currently deployed in five school districts. The Burlington School District in Vermont relies on Heartland software in the cafeteria, for free and reduced lunch programs and vending, says Doug Davis, Burlington’s director of food service. Like many clients, Davis is exploring opportunities to grow the system into other areas and applications. Womack believes that many of the products currently in use in the campus arena will be pushed down to the K-12 market with even more use for ID cards. “It’s coming. I don’t know when but it is coming,” says Womack.

THE FUTURE Campus card providers have a distinct advantage when working with K-12 schools because they can utilize services they’ve perfected in the college market without reinventing the wheel. David Minutella, manager of customer solutions at CardSmith, provides the example of financial aid allowances. “We set up an automated routine that works like a meal plan,” he explains. IN the past, recipients had to regularly visit the school’s financial aid office, but CardSmith automated the process depositing the money directly to the student’s card. “It’s done anonymously so all they have to do is present the card at the cafeteria,” says Minutella. Applications like this translate well from higher education to K-12, suggesting a strong future for willing campus card providers in a large new market.



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To use a transportation analogy, three separate tracks are coming together in Philadelphia to form a very interesting student ID and public transit solution. On track number one, the Southeastern Pennsylvania Transit Authority is preparing to launch an open loop fare collection system that will enable commuters to pay for rides using a variety of different payment methodologies. The Transportation Authority voted in November to award a $129.5 million contract to ACS Transport Group to install what SEPTA describes as a contactless open fare payment and collection system. The system will do away with tokens, paper tickets, and magnetic strip passes, opting instead to use devices such as cell phones, bank cards or prepaid cards equipped with contactless technology to enable riders to manage their transit fares more easily and make it so the transit agency no longer has to issue fare cards. On track number two, the School District of Philadelphia has an established program that provides paper bus passes to students so they can take public transportation to and from school at discounted rates. And on track number three, the company ScholarChip has been providing smart card attendance and identification technologies to the school district since 2006. According to Maged Atiya, chief technology officer at ScholarChip, approximately 100,000 contactless Mifare cards have been issued to students at 70 district schools to manage building attendance and security, automate classroom attendance and record disciplinary events. As these three tracks converge, the school district and ScholarChip are working with ACS to enable students’ smart card IDs to work on the open-loop transit system, Atiya says. “Our system and the ACS system will work together in real time so that students can pick up their ID at the school and then use it on the bus,” he adds. The district has had a full-time employee spend half their time managing the paper transit pass systems for students, Atiya says. This won’t be necessary once the new system is deployed since the systems will be linked and automatically reconciled. The system will also be able to make sure the passes are only used for valid transit to and from school, Atiya explains. Since

the ID will be programmed with the student’s address it will not allow travel to other areas of the city. The system is poised to move beyond smart cards and ID cards as well. ScholarChip is rolling out its near field communication (NFC) mobile phone application which will allow riders on the SEPTA system to use either their ScholarChip smart card or their NFC phone as a token. And the ScholarChip issuance system will be fully cloud based, potentially allowing community groups and other similar agencies to use smart cards on the public transport system. SEPTA has said it expects to undertake its new payment technologies program in three phases: first a design and testing phase, followed by two implementation phases. SEPTA expects the modernized fare system to be complete within three years.

Who is ScholarChip? New York-based ScholarChip was established in 2000 to provide Web-centric, cloud-based solutions for the education market. The company provides smart card IDs to the K-12 market and payment gateway and electronic signature solutions for Higher Education. Its K-12 smart card solution has grown into a security and multi-point attendance platform used by urban, suburban and rural school districts.

DC schools roll out smart IDs for transit In 2011 Washington DC’s Office of the Chief Technology Officer partnered with the District Department of Transportation to add the school transit subsidy program to the DC One Card. Rob Mancini, chief technology officer for the District of Columbia, says the transportation department approached his office about adding this program, which is a four-way partnership between the CTO, transportation, the school system and the Metro. It will take 18 months to roll out, and will cover the approximately 14,000 students who participate in the Transit Subsidy Program. The DC One Card replaces the current paper voucher system. “[It gives us the] ability to control eligibility and use of the program in a more efficient way,” says Aaron Overman, acting associate director of the Progressive Transportation

Services Administration at the transportation department. With the analog system, there was no way to trace use of the program back to the student, says Overman. This made it possible for fraudulent use student transit subsidies. “Anecdotally we hear all the time about students graduating high school and taking a younger student’s card,” says Overman. If students lost their transit pass, they also had to pay to replace it. Tying the subsidy to the card enables electronic trace back. If a card is lost or stolen, it can be turned off and the subsidy can be prorated onto a new card. “It lessens the burden of lost or stolen cards,” says Overman. Parents pay $30 per month per student for the transit subsidy. An adult fare is five to six times that much, says Overman.

Following a successful pilot in April 2011, the program expanded to all public high schools and middle schools at the end of 2011, with a mandate that all eligible students use a DC One Card for transit subsidies beginning on Jan. 1, 2012. The next step is to add the city’s 60 to 70 charter schools to the program. Overman says the office will implement a three-school pilot early in 2012. Adding the charter schools provides challenges in that each charter school is run individually so the department of transportation will have to bring these smaller, individually run systems into one larger system. Still they feel the effort is worthwhile, projecting an ultimate savings of 20% via the electronic transit subsidy program.



Quinnipiac University, a Hamden, Conn. school best known for its politically focused Polling Institute, recently upgraded the campus card used by its 5,800 students.

The university later used the student’s non-photo ID card with a validation sticker for meals, Hall says. “At the end of each semester these cards had to be turned in to our office to have new validation stickers put on for the next semester.” It was no wonder the school turned to a card that could handle more than one function. When the mag stripe Qcard made its appearance in 1987 it was good for just laundry and The Qcard had relied solely on magnetic stripe technology for vending, says Meriano. 24-years before entering the contactless generation. While the The Qcard has had several card system providers including contactless rollout has been successful, like any new campus Diebold and AT&T CampusWide. In November 2000, Blackboard system it has faced both obstacles purchased CampusWide and Quinand some vocal critics. nipiac became a Blackboard customer. The Qcard has been around since In 2000 the campus added an off1987 when it started as a pure debitcampus merchant program and now like card, says John Meriano, section has 45 merchants accepting the Qcard. vice president for Administrative SerThe university’s next card upgrade vices at the school. Before 1987, there didn’t happen until May 2011 when it were two documents students carried decided to go contactless with Blackwith them, a paper meal ticket and an board’s Sony FeliCa card. “We went ID card that didn’t have a photo and with contactless because that’s the way had no connection to the meal plan. the industry is moving,” says Meriano. The meal card was a paper ticket, “We had the opportunity to start movsays David Hall, member of the Qcard ing in this direction and we took it.” office team. The paper meal tickets A major reason for the change was had to be inserted individually into that many of the institution’s magthe typewriter and the student’s name netic stripe door readers were nearing and ID number manually typed onto end of life, Meriano adds. But there each ticket. The cashier would mark on was still the cost issue upgrading all the ticket the meal plan that the student the doors to contactless at the same was taking, says Hall. “A student could time, says Meriano. purchase any one of three meal plans, Upgrading all the doors at once A, B, or C, which provided 19, 14, or proved cost prohibitive. “We have over The Qcard has progressed from a typed 10 meals a week,” Hall adds. 5,000 offline door locks as opposed to paper ticket, to magnetic stripe and now “Even during the first few years the 180 exterior doors,” says Meriano. contactless in its 25-year history. of the current debit card system, we So far Quinnipiac has converted used swipe cards that were separate about 7% of its readers to contactless, from the ID card,” Hall explains. “There were blue cards for says Sandip Patel, financial systems analyst at the institution. the required service and yellow or gold cards for the optional This migration timeline is one of the issues students have service. It was known as the gold service because of the color with the system, according to student accounts in the campus of the cards. It continued to be known as the gold service long newspaper. Students can enter the dorm building using contactafter the actual gold cards had gone out of use.” less at perimeter doors, but must still swipe the magnetic stripe



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to enter interior rooms. Meriano sees this not as a complaint but as a positive sign of the technology’s acceptance. “Students want more from the card. They like the tapability,” adds Meriano. In addition to door access and cafeteria applications, the card is used in laundries, vending, bookstore, copiers, library, time and attendance, parking lots and the recreation center. Currently, only some laundry and vending machines accept contactless for payment. “We’re upgrading all machines to take contactless but that should take about six months,” says Meriano. Off campus, copying and the bookstore remain mag stripe only environments. Another student complaint involves the card’s use in cafeteria lines. One line accepts the Qcard, while the other accepts only standard credit cards or cash. “The way our lines are set up with cashiers in the middle, only one FeliCa reader can be plugged in at a time. Blackboard is working on fixing the issue so we can have two readers,” says Patel.

The 45 off-campus merchants accept payments via the card’s mag stripe utilizing a Blackboard-provided reader. Blackboard administers the program and processes the transactions, says Meriano. The university receives a share of the merchant fees. Meriano says that the off campus portion of the card is extremely popular. “If they lost the card, they can’t eat, can’t print. We used to call it their passport to life … It’s that important,” says Meriano. An online component of the card enables students to add value or report the card stolen, says Meriano. Students also can deposit cash into value transfer stations located throughout campus. Meriano admits there are growing pains with the new card, but he’s confident that with Blackboard’s help, glitches such as the cafeteria problem will be solved in short order. As to using the contactless portion of the card to enter a dorm room, he says it’s just a matter of time before all the locks are retrofitted to accept contactless.




Campus card bank partnerships, like many financial service offerings, are having a tough time as increased regulation makes it harder for banks to turn a profit and make programs attractive to schools. Despite this challenge, 2011 saw some growth in the number of programs and several banks did see their numbers increase. The biggest issue for banks with campus partnerships is how to make money. As regulators clamp down on fees banks can charge cardholders and merchants, the profitability matrix has changed. The pendulum has shifted forcing banks to focus less on fee income to make the business case and more on the long-term value of the customer relationship.

WHAT HAVE NEW REGULATIONS DONE FOR BANKS? New regulations are playing a role in a bank’s ability to do business, and they will likely have an even larger impact in 2012 and beyond. The biggest change is the Durbin Amendment, named after Sen. Richard Durbin (D-Ill.). The rule was an amend-



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ment to the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. In effect since October 2011, Durbin caps the interchange and transaction fees banks can charge merchants to accept debit cards. Banks were charging up to 44 cents per transaction but the amendment slashes that nearly in half, to 21 cents plus 0.05% of the transaction (2 cents average). Issuers can charge an additional penny if they have approved fraud-prevention standards in place. Durbin fee restrictions only impact banks with more than $10 billion in assets, banks considered large under the regulation. Smaller banks with assets less than $10 billion can continue to charge merchants at pre-Durbin rates. “Banking regulations have affected the financial model previously used by many banks for campus cards,” says Bill Norwood, Heartland Campus Solutions’ chief architect. “The Durbin rule hit the large banks hard reducing interchange revenues significantly,” he says. Heartland offers banking services through its partner Central National Bank (CNB), Enid, Okla., which falls below the Durbin asset cap making it exempt from fee limits.

How important is fee income to an institution’s desire to pursue campus card partnerships? “It’s important to any financial service provider trying to work with campus card programs,” says Norwood. The new regulations, coupled with a down economy, are causing both banks and campuses to postpone expansion. “The Durbin Amendment greatly reduced our revenue from debit cards and that makes investment in new campus partnerships and new card technology more difficult,” comments Don Becker, assistant vice president, student banking and university cards at Commerce Bank. Norwood agrees. “The tough economic times have forced campuses to examine why they are implementing or expanding their card programs and if the expansion or implementation requires sizeable capital investments, some schools have elected to push back in hopes the economy improves,” he says. In addition, reduced profitability has led banks to tighten up on revenue share to campuses, making conditions ripe for a stalled market. According to Whitney Bright, vice president, general manager of campus banking for U.S. Bank, new regulations





47 / 51


43 / 43

From Left to Right: 1. Wells Fargo | 2. U.S. Bank 3. TCF 4. SunTrust | 5. PNC Bank 6. Heartland | 7. Commerce



17 / 23

22 / 23













CAMPUSES WITH BANK PARTNERSHIPS COMMERCE (3) Fort Hays State University, KS Pittsburg State University, KS The University of Kansas, KS HEARTLAND (23) Bastyr University, WA Clearwater Christian College, FL College of the Holy Cross, MA Colorado Christian University, CO Concordia University of Wisconsin, WI Harrisburg University, PA Hillsborough Community College, FL Florida Coastal School of Law, FL John Carroll University, OH Lebanon Valley College, PA Manhattan College, NY Mississippi Delta Community College, MS Mount Holyoke College, MA North Central Missouri College, MO Northwest Florida State College, FL Palm Beach Atlantic University, FL Pittsburgh Technical Institute, PA Reinhardt College, GA Slippery Rock University, PA St. Thomas Acquinas, NY Tompkins Cortland Community College, NY University of Massachusetts Lowell, MA Waukesha County Technical College, Wa TCF BANK (5) Northern Illinois University, IL St. Cloud State University, MN University of Illinois, IL University of Michigan, MI University of Minnesota, MN U.S BANK (51) Austin Peay State University, TN Benedictine University, IL Bethel University, MN California State University, CA California State University, CA Capital University, OH Carroll University, WI Central Washington University, WA College of Mt. St. Joseph, OH Colorado State University, CO

Concordia University Chicago, IL Creighton University, NE Drury University, MO Gonzaga University, WA Hamline University, MN Harris-Stowe State University, MO Henderson State University, AR Iowa State University, IA John Carroll University, OH Johnson County Community College, KS Kirkwood Community College, IA Metropolitan State College of Denver, CO Milwaukee Area Technical College, WI Minnesota State University Moorhead, MN Missouri Baptist University, MO Missouri Western State University, MO Morehead State University, KY Normandale Community College, MN North Dakota State University, ND Northern Kentucky University, KY Northwest Missouri State University, MO Northwestern University, IL Pacific University, OR Saint Louis University, MO San Diego State University, CA San Jose State University, CA Seattle University, WA Southwest Minnesota State University, MN St. Cloud Technical & Community College, MN Thomas More College, KY Truman State University, MO University of California Davis, CA University of Central Missouri, MO University of Missouri Kansas City, MO University of San Diego, CA University of Wisconsin-Eau Claire, WI University of Wisconsin-Stevens Point, WI Washington State University, WA Waukesha County Technical College, WI Wisconsin Lutheran College, WI Xavier University, OH WELLS FARGO (43) Baylor University TXCalifornia State University-East Bay, CA California State University-Los Angeles, CA California State University-Sacramento, CA California State University-San Francisco, CA California State University-Stanislaus, CA

Colorado Mesa University, CO (formerly Mesa State University) Clark Atlanta University, GA El Paso Community College, TX Elon University, NC Fayetteville State University, NC Florida A&M University, FL Florida International University, FL (new) Front Range Community College, CO Georgia Perimeter College, GA Guilford College, NC Mercer University, GA Midwestern State University, TX Minnesota State University-Mankato, MN New Mexico State University, NM North Carolina State University, NC North Carolina A&T State University, NC North Carolina Central University, NC Northern Michigan University, MI Riverside Community College District, CA Texas A&M University-College Station, TX Texas A&M University-Corpus Christi, TX Texas State University-San Marcos, TX University of Arizona, AZ University of Florida, FL University of Nebraska-Kearney, NE University of Nebraska-Lincoln, NE University of Nevada-Las Vegas, NV University of Nevada-Reno, NV University of North Carolina-Chapel Hill, NC University of North Carolina-Greensboro, NC University of North Texas, TX University of Northern Colorado, CO University of Texas-Arlington, TX University of Texas-Dallas, TX University of Texas-El Paso, TX Villanova University, VA Virginia Commonwealth University, VA PNC BANK (23) List not provided at request of institution. Quantity verified as accurate by editorial staff. SUNTRUST (3) Florida State University, FL Mary Baldwin College, VA University of Central Florida, FL

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FIG 3 1. Wells Fargo | 2. U.S. Bank | 3. TCF | 4. SunTrust 5. PNC Bank | 6. Heartland | 7. Commerce




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have certainly made the campus banking environment more challenging, but this has not deterred the institution’s interest in such programs. “We continue to aggressively pursue new partnerships that are beneficial for the students, the campus and U.S. Bank,” she says. PNC, which has seen an increase in campus clients, has seen renewed interest in campus cards from schools. “We have seen an up tic in the level of interest by universities and colleges for retail banking services programs, including ID features,” says Nickolas Certo, senior vice president of university banking for PNC Bank. Christina Castro, TCF’s vice president and region manager, says new regulations haven’t impacted the pace of new campus card and banking partnerships for TCF. Fee income is only one factor in a campus banking partnership.

GROWTH IN CAMPUS BANKING PARTNERSHIPS While finding it more difficult to turn a profit, banks are still plowing ahead with new campus partnerships. According to CR80News’ 2011 bank partner survey, overall campus growth in 2011 among the seven banks surveyed was 8%. There were 152 campus clients reported in 2011 by the seven banks compared with 141 the previous year. That 8% growth rate is double the 2010 growth of 4%, but it still falls far short of the 20% growth in both 2008 and 2009. Four of those seven banks –Heartland/CNB, PNC Bank, U.S. Bank and Wells Fargo–account for 93% or 141, of the 152 colleges being served. (Note: only relationships that integrate the official university-issued ID card as a banking card are considered for the survey.) U.S. Bank is still leader of the pack in terms of number of campuses served. It grew by four schools and now handles 51 campuses. That’s a 9% increase over its 2010 figures. The other bank that represents a hefty number of schools is Wells Fargo, which serves

43. That’s the same number the bank served in 2010. Still that doesn’t mean the bank didn’t garner new clients. It just lost a few as well. Pittsburgh-based PNC Bank added seven to its campus total. The bank now serves 24 campuses, compared with 17 in 2010. Heartland/CNB added one to its roster, growing from 22 to 23 schools. Both Commerce Bank and SunTrust held steady each serving three schools. TCF Bank lost one client in 2011 and now stands at five schools.

GEOGRAPHY Wells Fargo’s banking footprint covers 39 states while U.S. Bank serves campus card clients in 25 states. PNC can now serve campuses in 16 states, a sizeable jump from the seven states reported in 2010. Much of this increase can be attributed to PNC’s acquisition of National City Bank in 2008. PNC spent two years integrating those banks into its network, which added six states. PNC also added branches in New York and bought branches from Flagstar Bank, bringing PNC’s footprint up to its current 16 states. PNC is also in the process of acquiring the U.S. banking assets of Royal Bank of Canada. The sale is expected to be final in March 2012, which would add three more states. TCF, Commerce and SunTrust have far smaller footprints ranging from five to eight states. Changing to suit the market is important in the campus space and sometimes that means budget cuts, says Norwood. “Between budget cuts and reduced campus staff, all are looking for ways to do more with less,” he adds.

CONCLUSION Tough times can bring positive results. In the case of banking services for campus cardholders, 2011 may result in more competitive offerings and a renewed focus on client service.

“The ability to competitively price banking products and services remains a key factor in our bank’s long-term success with campus partnerships,” Becker says. “Young consumers look for value in the marketplace and I believe banks who can deliver that value in convenient and innovative ways will continue to see success on campus.” In addition to remaining price competitive, customer service and satisfaction is crucial for banks to retain student

While finding it more difficult to turn a profit, banks are still plowing ahead with new campus partnerships. clients as they mature into profitable lifelong clients. With shrinking revenue from fees PNC has adapted its strategy for the campus market, Certo says. “The key driver of a successful banking program is the generation of new customers. Individual retail bank customer profitability has been impacted across the board by regulatory changes and the prevailing interest rate environment,” he explains. “In the face of these changes PNC Bank has taken steps to manage its costs and the way we go to market at universities and colleges.”

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Despite what appears to be a snail’s pace, the European Education Connectivity Solution project is still proceeding with its mission to establish a standardized campus card system for the European continent. If successful, students will be able to use the same ID at institutions across Europe. The project is the brainchild of the European Campus Card Association (ECCA). The group, which represents card programs throughout Europe, conducted a study several years ago to determine if such a project was feasible or for that matter needed. The answer to both questions was yes. Following the study, the European Education Connectivity Solution project was created in 2009. The plan was to run a two-campus pilot followed by an extended six-campus demonstration project. The pilot project involved Ireland’s



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Waterford Institute of Technology and Poland’s Technical University of Lodz, both members of ECCA. The pilot project, which concluded May 31, 2011, cost nearly US$2 million and was funded by the European Union and other contributors including OneCard Solutions, an Ireland-based smart card provider; Mecenat, a Swedish provider of student discount cards; and OPTeam, a system integrator and software developer based in Poland. The consortium hoped to show that students can study at different universi-

ties across the continent without having to physically carry academic records, says Eugene McKenna, chief executive of campus services, Waterford Institute. Instead, the student ID acts as a key for students to access these records wherever they might study. “We found that there is a large market across Europe for a standardized interoperable campus card system that facilitates student mobility,” says McKenna. This doesn’t mean that European students like to jump from school to school.


Rather, it means that they can utilize various facilities at other universities that may not be available at their home institution, such as a specialized library or sports facility. A survey of more than 100 European higher education institutions found that 85% would use the standardized campus card solution when it became available, says OneCard’s Kate Kelly. After the demonstration phase is complete it is the goal that any campus can implement the new system, she explains. “There is a clear requirement in Europe that the campus card should be a means to identify a student from their own campus and facilitate a basic range of services in the campus they are visiting,” says McKenna. “The creation of a standard campus card system is intended to enable colleges to share information using the card as the electronic key so that administrators at other schools can access student records on secure databases.” After determining the feasibility and the need, the next step was to demonstrate that it was possible using two geographically separate campuses to test the system in a live working environment, says McKenna.

payments. At Lodz, students from Waterford tested student mobility, library ID and class attendance. The student connectivity trial enabled the student to logon using the campus card and apply to be an exchange student. The library trial enabled exchange students to access the library services and check out books at their visiting institution using their home campus card. The student details were displayed on screen and the loan transaction was completed. For class attendance, the Waterford exchange student presented the card to the Lodz attendance card reader, which processed the card and authenticated that the Waterford cardholder was an approved student. Finally, if the Lodz student arrived in Waterford with no funds on his campus card, all he had to do was log into the Waterford Web Value load site and top up the purse using a credit card, says McKenna. The consortium was satisfied with the pilot results and is progressing toward the more intense demonstration project phase. This phase will involve six colleges implementing the system and is scheduled to

The six institutions selected are:  Waterford Institute of Technology, Ireland  University of Linkoping, Sweden  University of the West of England, UK  University of Porto, Portugal  University of Rzeszow, Poland  Technical University of Czech, the Czech Republic. The demonstration project will be supported by OneCard, Mecenat and OPTeam. The Card Technology Research Center in Ireland will also participate and OneCard will again be the project coordinator. The demonstration phase is expected to cost US$2.5 million and take between 12 and 18 months to complete. Following a successful trial, rollout of the full product is expected in 2013 and 2014. The demonstration project was originally to have begun in May 2011, but the pilot phase took longer than expected. It took the ECCA more time to create a technical specification that would meet the requirements of all the European campuses, says McKenna. “Bringing


HERE’S HOW IT WORKED At Waterford, students from Lodz, Poland tested student mobility, library patron ID, Web value loading and vending

commence in early 2012. “The key purpose of this phase is to bridge the gap between the research and commercialization of the product,” says Kelly. “We have established partnerships with six higher education institutions in six different countries.”

(everything) together as an integrated standardized campus card solution is a very challenging task.”

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The adoption of contactless technology is rapidly growing for all types of payment and ticketing systems. According to Eurosmart, 630 million secure contactless cards were shipped in 2008 alone and we have seen the number of trials for near field communication (NFC) products grow exponentially since the late 2000s. ABI Research estimates that nearly 35 million NFC enabled handsets shipped in 2011, and nearly double that number will find their way to market in 2012. Credit card companies are starting to issue contactless products and major cities are rolling out contactless mass transit cards. Governments safely use contactless technology to secure passports and other ID documents for citizens, while corporations provide employees with contactless cards to secure access to facilities, networks and more. While magnetic stripes for electronic identification are typically considered cheaper to deploy and offer broad compatibility, NFC-compatible products are becoming the expectation. While not on the verge of extinction, magstripe-only cards are quickly becoming an outdated solution with the emergence of secure, standards-based contactless smart card technology. Higher education institutions have an opportunity – now – to build the infrastructure to support NFC and be prepared for the new norm. NFC compatibility doesn’t just offer opportunity for enabled mobile phones



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but for compatible credentials in various forms, for example cards, stickers, fobs, wristbands etc. NFCcompatible contactless technology offers significant benefits for applications involving payment, transit, security and general identification on college campuses. In addition to ease of use, these contactless credentials stand apart from other common identification card technologies because of their inherent security and speed. While bar codes, magnetic stripes, and 125 kHz proximity (prox) technologies have shouldered the burden for years, a contactless card is much more. Its read/write capable microcontroller chip can manage simple tasks such as storing track 2 data, or more exotic tasking such as storing digital certificates or biometric data. Regardless of the transaction type, NFC-compatible contactless technologies bring unparalleled speed and security to the table and at increasingly competitive prices. The prominence of such applications in a campus environment makes NFCcompatible credentials a clear choice for improving the student experience -- especially as enabled devices show up on campus in greater and greater numbers. Each year, more students are bringing extraordinarily sophisticated and capable mobile phones to campus at their own expense, removing the financial burden from institutions

to provide their community with capable hardware devices already embedded with NFC technology. This leaves it up to the institution to drive the strategy and engage solution providers to take advantage of this extraordinary opportunity. This simple value proposition to the administration and to the cardholder is something college officials are starting to realize, understand and take advantage of as we move into 2012. Will you be besieged with students telling you how awesome their day was because they got to use a contactless credential? Probably not, but more and more often they will simply come to expect it, and the institution has to be prepared. At my son’s 5th grade career day two years ago, I spoke of a fantastic scene in the not-so-distant future where they could use their mobile device to buy a soft drink, ride a bus or unlock a door. Instead of the eyewide-open response I was expecting, I was met with “Well, why can’t we do that right now?” This class will be on your doorstep in no time, if they aren’t already.

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Software as a Service (SaaS) solutions are taking off in the campus card business in 2012 for many of the same reasons they are in the IT industry generally – favorable dynamics in speed to market, price to value, reliability and availability. It makes compelling economic and business sense for companies, campuses and other technology users to leverage hosted and managed systems that meet their business needs when and if available. Not all SaaS offerings meet this test, however, as some are less feature-rich than “client” versions of the same software. There’s also a big difference between true SaaS solutions and more basic “remote host-


The interaction between campus cards and mobile devices is expanding rapidly facilitating important change in the campus card industry. We see students wanting -- and even expecting -- to use their mobile devices for card services normally delivered via the



Spring 2012

CAMPUS CARD SYSTEMS GOING TO THE CLOUD ing” where single-tenant systems are simply warehoused in a large-scale data center. When SaaS delivers the multi-tenant goods, however, the value proposition is superior. Today, most online cardholder account access solutions for campus cards are delivered via SaaS platforms because it is much more efficient for multiple clients to use a shared, customizable system than it is for each client to build and host its own. Generally speaking, these solutions perform as well or better than “one-to-one” deployments on individual campuses. Also, professional service providers manage and monitor the systems continuously, relieving this obligation from campus staff. Therefore, as long as the price is right, campuses are likely advantaged by SaaS systems for online cardholder account access. These same principles are magnified when applied more broadly to campus card transaction management. CardSmith operates a customizable “multi-tenant” system that powers the heart of the campus card program, as well as online account access, for each of our customers. Having the transaction processing system “in the cloud” is a radically more efficient product and service construct than having each individual campus install and manage a card system dedicated solely to its own program. The cloud or SaaS model drives major efficiencies in cycle times, technology costs, IT footprints and, especially, ongoing opera-

tional costs. It further enables clients to focus resources on the core organization mission instead of technology that is ancillary to it. And this is just scratching the surface. There are myriad other advantages to SaaS service delivery; not least that upgrades and enhancements are done one time for a single instance of the system and instantly become available to the entire customer base. This is dramatically simpler than rolling enhancements out one-by-one across hundreds of customers. Beyond availability, we see two macro factors driving SaaS adoption in the campus card business. First, these services are now battle tested. We have been operational for seven-years with a track record of extremely high availability and reliability. As more campuses become exposed to and comfortable with the model, momentum is growing for this kind of service delivery. Second, the fact that cloud computing and SaaS service delivery has taken off in the global IT industry naturally reinforces the trend in education markets. The global bankcard transaction processing industry has operated in this multitenant, SaaS model for many years, and it is coming in earnest to campus card industry. Now that it has been successfully pioneered, we believe it is the wave of the future and will continue to build momentum in the campus card business.

NOW IS THE TIME FOR MOBILE SOLUTIONS Web, such as depositing funds, reporting lost cards, checking balances, viewing transactions and even uploading their photo. These daily account management tasks will be available in true smart phone applications and not just using mobile Web browsers. Providing mobile services to students will be a top “to do” item among campus card administrators in 2012. Card systems are merging with mobile applications for financial and privilege verification. Payment through smart phone applications at point of sale ter-

minals, vending machines, copiers, bookstores, off-campus merchants and more will start to become the norm. These smart phone payment applications set the stage for NFC-based transactions which will become commonplace in the very near future. Ultimately, the smart phone will become an extension of the campus card with credentials stored directly on the phone. It will become a virtual identification card showing the photo, account information and more. The smart phone and campus card will work


2012 TO TAKE CREDENTIALS MOBILE Popular mobile applications are springing up on college campuses everywhere.


• Geo-location applications are gaining popularity with campus safety and security departments. Geo-location enables the system to require device

2012 will see a continuation of the mobile trend and we will see increased adoption of NFC technology, previously seen as futuristic but now in use on multiple U.S. campuses. With NFC, a smart phone typically emulates a campus smart card, enabling identical transactions with the phone without the card’s physical presence. College students are rarely found without their smart phones, so it makes sense to leverage these as secure identity objects. Pilot projects are already underway as these applications become more widely available. At the moment, the market is transitioning to more phones being sold with native NFC compatibility; and universities and providers alike are adapting to this. For example, CBORD already supports MIFARE Classic and MIFARE DESFire EV1 for secure card emulation on mobile devices—which are available today. As functionality on the phone increases, however, the campus card as we know it is not going away. Rather, the added convenience of tying privileges to a phone as well as a card will complement a well-structured one-card program by adding convenience, improving accessibility, and paving the way for the latest technology innovations.

transactions and attendance will grow tremendously, providing greater flexibility and cutting costs. This flexibility lends itself to expansion of services and program growth. Use of cost efficient and readily available technology -- such as smart phones and tablets -- to accept the card will enable growth of campus card programs that would have otherwise been hindered by budget constraints and the need for specialized terminals. Departments previously unable to accept the OneCard for payment now can. The local pizza shop that could not previously accept the campus card will now be able to using the phone already in the

delivery driver’s pocket. Students use their campus card daily for functions such as dining and access to their residence hall, to print their term paper and buy their books, to get a late night pick me up from the local coffee shop as they study for final exams. They now will use campus card mobile applications as well as their card for these daily life tasks. They will integrate these mobile card applications to their social media, loyalty programs and more. Together, the ID card and related mobile applications will help campuses reach out to students and enhance the campus community in tremendous new ways.

• When students leave their ID cards in their residence hall rooms, a simple text message on a phone can grant them instant access with online, electronic access readers.


2012 will be a year for re-examining our definition of a card office. As credentials expand from cards to phones, increased adoption of mobile features and near field communications will change the way we think of credential management on college campuses and beyond. Already, campus identity and access system providers are making it easy to leverage omnipresent smart phone technology for the credential part of such solutions.

side-by-side providing greater security and services to the students we serve. The smart phone’s role in campus cards is not limited to students. Administrators will benefit from mobile applications, as functions traditionally accessible through standard OneCard systems in administrative offices are made available via phones. Tasks such as system definition, account deactivation, reporting and more will all be in the mobile hands of campus card administrators. Additionally smart phones and tablets will take a greater role in card acceptance. Use of these devices for activity and event privilege verification, debit functions, meal

proximity for a successful access attempt, i.e., the phone must be near the door for it to open.

• Master keys, the loss of which can incur very high costs, can be replaced with temporary privilege elevation -- short periods of an hour, or days -- activated by text message. Notification of this special access can be sent to the area owner or room occupant, alerting him/her that access has been granted. • Students can make informed dining choices with mobile access to nutritional information and filtering for allergens, dietary preferences, etc. • Mobile balance inquiries, lost card reporting, etc., make it easy to stay on top of campus card accounts.

Spring 2012



CAMPUS CARD ‘EVANGELIST’ STRIKES OUT ON HIS OWN TOM BELL OFFERS EXPERTISE TO CAMPUS CARD DIRECTORS Paraphrasing a famous comedian, Tom Bell says that campus card programs ‘get no respect.’ This is despite the fact that if a school’s card program were suddenly to go away, he believes the university would practically shut down. Bell considers himself an evangelist for the campus card industry and for the past 11-years he has been shouting the merits of campus cards. He’s still doing it today, but on his own and not as a part of Blackboard Transact, which first hired him in 2001 to help build the company’s then fledgling campus card division. Bell joined Blackboard from the State University of New York at Geneseo, where he was executive director of the school’s auxiliary services corporation. “I ran all the money-making businesses on campus and that’s what got me involved in card programs,” says Bell. He was so involved, in fact, that he and several other campus card personnel helped found the National Association of Campus Card Users. Bell, who lives in Rochester, N.Y., with Robin, his wife of 40-years, left Blackboard in July 2011. “I was looking around trying to discover what I wanted to be,” says Bell. “Eventually I began to get calls from people wanting assistance and I enjoyed this so I made it official and incorporated,” he adds. TGB Consulting -- the “G” stands for Graham -- was formed in February to helps campus clients define goals and develop strategies to reach them. “If you think about it, we are often trying to maximize our value to the administration,” says Bell. “I ran an Auxiliary corporation for 28-years and I understand the politics and how campuses work. I can bring ideas on better student services and correct conflicts in operations that may be hurting revenue streams.”



Spring 2012

As to the late Rodney Dangerfield’s joke about never getting any respect, Bell says many campus card offices feel the same way. “They’re hidden on campus and not recognized,” he adds. For what a campus card office does it’s forgotten when it comes to the budget. “The card office is running access control, food service, activity control, yet the campus tends to forget that when it comes to


funding. If you look at a typical computer, it’s probably no more than three years old, yet some typical card systems are 20-years old,” says Bell. “There is no understanding as to what it takes to run a card office.” He likes to ask administrators what would happen if their institution’s card system suddenly shut down. “There would be major problems,” says Bell. “Doors wouldn’t work, students couldn’t pay for meals … all reporting would go away.” Thus he stresses that the campus card office needs to become a more visible part of the institution. He wants to end what he

calls the “organizational vanishing act.” “Card programs run behind the scenes and support many campus functions focused on student engagement, campus safety and accountability,” Bell says. “I can help campus executives understand the role and importance of these programs. The result is improved recognition and respect for campus card programs.” That can also lead to a greater return on investment. “One of my most enjoyable tasks is to find new revenue or other value opportunities,” says Bell. One problem found at schools is multiple, competing cards for different applications. “At one school, I was told that only one card existed,” explains Bell. “By the end of my analysis at least five others were found. All could have been easily combined saving costs and bringing more value to the official one card program,” he says. When Bell first comes on a campus, he likes to meet not just with campus card personnel but also with other administrators and even students. In his meetings with students, he asks how the card program is working for them and what’s important. At one school, a student told him he wanted his financial aid deposited to his ID card. He lived in a remote town in Europe which is where his financial aid check was mailed. It took quite awhile for the check to catch up with him. “It’s good to have these discussions because campuses don’t often have them,” says Bell. Bell’s new consulting business is young but he still considers himself a campus card evangelist. “I always have been,” he says. “I love college students, I love working with them. I love figuring out how to do a card program in the best way possible. And it’s a great way to make a living.”

CR80News Spring 2012  

Exploring the utilization of identification technologies on college and university, K-12 and corporate campuses

CR80News Spring 2012  

Exploring the utilization of identification technologies on college and university, K-12 and corporate campuses