HENRY N. DREIFUS
`Chief Executive Officer
`Dreifus Associates, Ltd., Inc.
`1540 International Pkwy, Suite 2000
`Lake Mary, Florida 32746
` (407) 585 2840 telephone * (407) 256 8967 mobile
`Henry.Dreifus@Dreifus.com * www.dreifus.com
`
`
`BACKGROUND
`
`
`Founder and Managing Director of Dreifus Associates, Limited (DAL), an
`Identity technology and Personnel Assurance solutions development and
`integration organization. Accomplishments include holding a key patent on
`advanced smart cards and portable electronic transaction technology. Mr.
`Dreifus has more than 25 years of experience in the field including extensive
`experience on strategic engagements using all types of card technologies
`ranging from magnetic, optical and intelligent (smart card) for financial,
`security, consumer marketing and information applications. He is a
`recognized world expert in the card technology industry and provides vision
`for the application of enabling technologies to solve business problems. He is
`also a founding director of the Smart Card Industry Association and is a
`delegate to the International Standards Organization (ISO) and the American
`National Standards Institute (ANSI) developing worldwide standards for the
`smart card.
`
`PROFESSIONAL EXPERIENCE
`
`
`1991-Current
`
`
`
`
`
`Founder/CEO of DAL, a specialty innovative consultancy and solutions
`integration company specializing in innovative low-cost solutions. Key clients
`include:
`eBay / STUBHUB – Subject matter advisor supporting intellectual
`property development and patent portfolio protection for e-commerce.
`
`VALID SA – Supporting the leading Brazilian Electronic Identification and
`Security Solutions provider entry into the US market to a combined
`acquisitive and organic growth pathway. Drove the successful accretive
`acquisition of 9 US operating companies into the VALID SA portfolio,
`senior advisor – global strategy development.
`
`OFFICE OF THE PRIME MINISTER, GOVERNMENT OF JAMAICA –
`Project executive leading best practices team of technical, data security,
`business processes improvement to architect and design a National
`Identification System to improve the identity assurance of all Jamaicans.
`The project includes assessments of key Identification processes including
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`Passport, Civil Registries, Immigration/Naturalization and other
`stakeholders.
`
`
`ORGANIZATION OF EASTERN CARRIBBEAN STATES (OECS) –
`Supporting the governments of the Commonwealth of Dominica, St. Lucia,
`St. Vincent and the Grenadines and Grenada for the needs assessment
`and design of a multi-application, multi-national citizen services card to
`include the delivery electronic government services, border crossing and
`other applications in support of the development of an Economic Union of
`the Island nations under a World Bank funded E-government/regional
`integration initiative.
`
`SIEMENS AG – Leading the development team for accelerated product
`introduction of next generation capabilities for Infrastructure Logistics and
`Mobility business units. Work includes the product development, market
`identification and innovation including go-to-market execution of business
`and early-sale strategies with focus on US market introduction of global
`solutions.
`
`MICROMEM CORPORATION – Lead strategic review of emerging nano-
`technology effort to perfect high density nano-magnetic memory and
`nano-senor arrays for large scale applications. Developed and refined
`market analysis pathways and initial channel partners. Our team is
`providing ongoing support the Board of Directors and the Technology
`committee in directing investment and initial product/market segmentation.
`
`STATE OF INDIANA – Development of requirements, drafting and
`issuing/management for a statewide RFP for a debit/stored-value cashless
`electronic benefits distribution system for all state citizens. Program
`supports delivery of over $1 billion in benefits for unemployment, child
`support and other services.
`
`VERAYO CORP – Supporting the development of next generation
`identification and security solutions based on uniquely identifiable features
`of semiconductors (Siometrics) and other advanced applications.
`
`INTERNATIONAL POS MANUFACTURER – Developed next generation
`strategy and direction for the evolution of point-of-sale transaction card
`industry.
`
`VISA USA/VISA INTERNATIONAL – Expert smart card witness in
`Department of Justice antitrust lawsuit. The team developed and provided
`smart card innovation and deployment expert testimony in the antitrust
`lawsuit in the United States.
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`DEPARTMENT OF VETERANS AFFAIRS – Lead team effort for the
`Secretary of the DVA to develop the VA into a Model Agency building a
`“Gold Standard” for data privacy and information protection after the May
`2006 loss of a laptop containing all Veterans and Active Duty Military
`personal information. Our team directly supported the Cabinet Secretary
`and the senior leadership team in building and implementing a best-
`practice sustainable outcome.
`
`INTERNATIONAL BANK CARD COMPANY – Supported the market
`research and development and license distribution of an electronic purse
`system for selected markets. Defined market and commercial
`relationships and developed business agreements.
`
`ETI S.A. – Reviewed national framework/strategy for the Republic of
`Chile for rollout of an enhanced smart card identification and access
`program for the country’s banks and national telecom operator (CTC) for
`Chile.
`
`SULTANATE OF OMAN – Provided third party independent review of the
`proposed smart card based national identification card being administered
`by the Royal Oman Police. Evaluated the proposed solutions and provided
`guidance/recommendations for implementation.
`
`VIISAGE TECHNOLOGIES, INC. – Supported development of overall ID
`protection strategy and business enabling. Evaluated and developed
`market-enabling scenarios.
`
`FUJI PHOTO FILM CORPORATION – Developed baseline strategy for
`entry into the ID management.
`
`THESEUS LOGIC – Developed market entry strategy for next generation
`“clockless” microprocessors and security logic for smart card and
`advanced credentials for the identification markets.
`
`INTERNATIONAL TRANSACTION CARD COMPANY – Developed
`market strategy for next step card technology platform and business
`approach for multi-function/multi-application card programs.
`
`UNITED STATES DEPARTMENT OF DEFENSE – Numerous Projects
`including:
`x Project advisor for Study Committee, United States Department of
`Defense, Office of the Secretary of Defense for advanced identification
`cards and technologies (AIT).
`x Project manager for development of US Navy smart card baseline
`study for deployment of smart cards for multiple applications in the US
`DoD.
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`x Office of Secretary of Defense Advisor to Senior Steering Group (SSG)
`for policy and planning (including appropriations, budgeting,
`cost/evaluation) for DOD implementation of smart cards.
`x Defense Manpower Data Center (DMDC) project manager to evaluate
`implementation strategies for smart card issuance and life-cycle
`management for smart cards for uniform, civilian and contractor
`personnel.
`x Department of Defense – principal architects for the Common Access
`Card (CAC)
`x US Navy Chief Information Officer (CIO) planning and strategy
`development for enabling smart card for use as secure token for public
`key infrastructure (PKI).
`x Strategy and development of new next generation social media tools
`and technologies for non-kinetic constructive engagement.
`
`WESTERN GOVERNORS’ ASSOCATION (WGA) HEALTH PASSPORT
`PROJECT – Developed smart card based health passport multi-
`application system for management of health and entitlement benefits for
`Wyoming, Nevada and Montana. System supports immunization, WIC,
`Food Stamp, head start and other programs.
`
`INTERNATIONAL CREDIT CARD ASSOCIATION – Project support to
`establish business economics, technical pathways and strategy to
`introduce chip-based credit cards to member-owned association of banks
`and financial institutions. Developed, reviewed and supported technical
`and business requirements for introduction of chip cards for credit card
`and other value-added applications for world markets for board-level
`go/no-go decision.
`
`NAVIGY – Performed independent market research study to evaluate the
`feasibility of new transactional methods for the health insurance/claims
`processing industry. Navigy is a joint-venture development arm of the Blue
`Cross federated state associations.
`
`INTERNATIONAL SECURITY ACCESS CARD AND SYSTEM
`MANUFACTURER – Developed business model and strategy/roadmap
`for access card technology including outsourcing options. Planning and
`implementation of road map for next-generation access card technology
`for tiered site security/access control applications including multi-
`application card services.
`
`MULTINATIONAL CHIP CARD IC MANUFACTURER – Developed
`market research and demand estimates by industry for USA smart card
`requirements. Constructed card adoption models based on industry
`triggers by market segment. Provided detailed market potential estimates
`by major markets.
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`RAND MCNALLY CORPORATION – Developed market research and
`strategy for building next-generation products for DocuSystems Group, the
`media supplier for the airline and transportation industries. Team provided
`project resource planning and management oversight to new generation
`product line.
`
`NATIONAL BANKING GROUP & NATIONAL TELEPHONE COMPANY
`– (Numerous projects) Developed national electronic commerce platform
`and implementation strategy for supporting electronic transactions based
`on smart card technology. Developed scenarios and planning to integrate
`existing card platforms into the national platform road map.
`
`NORTHERN TELECOM, LTD. – (Numerous assignments) Ongoing
`project efforts for entry into advanced card-enabled business including
`next-generation public telephones (payphones), Internet opportunities,
`competitive analysis and market research.
`
`EASTMAN KODAK COMPANY – Explored business
`strategy/development of access security identification technology and
`integration into card authentication products.
`
`INTERNATIONAL BANK CARD TRANSACTION PROCESSING
`COMPANY – Strategy and market development consultants to develop
`additional market share and next-generation products. Scope covers the
`SVC “chip-card” electronic purse application along with enhanced
`electronic money services.
`
`MAJOR TELEPHONE OPERATING COMPANY – Supported the
`development of the market and business case for advanced card project.
`Built the business model and provided competitive and strategy support
`for venture.
`
`NATIONAL GOVERNMENT INTER-BANKING ORGANIZATION –
`Advisor to executive management of the seven primary banks and
`monetary authority to study the feasibility and implementation of a multi-
`services common stored value/benefit card country-wide. Project involved
`the review of alternative technologies and systems, with particular
`attention to fraud and security procedures.
`
`Ongoing assignment is currently in the system design and pilot
`development stage. Initial application will allow for pre-payment cards to
`be used as electronic money throughout the country.
`
`DUTCH POST, TELEPHONE, & TELEGRAPH (PTT Post) – Business
`advisor to senior leadership team to privatize a major European PTT.
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`Provided support in development and implementation of the strategic,
`competitive and tactical utilization of key assets including subscriber
`services. Project also focused the Postal other non-telecommunications
`uses and services of the capabilities and infrastructure.
`
`MAJOR TELECOMMUNICATIONS EQUIPMENT MANUFACTURER –
`(Numerous projects) Project director to develop and install a credit card
`and smart card based pay telephone including the infrastructure systems
`software, management and control procedures and security procedures.
`System included the development of the central office management and
`monitoring equipment, processes and procedures. The team explored
`development and market feasibility assessment of web-based access
`products (versus dial-tone based products).
`
`MAJOR CARD MANUFACTURER – Advisor to the senior management
`on the strategy and pathways to develop new card based products. The
`team is currently providing ongoing market assessment and market
`research on developing markets and applications.
`
`EQUIPMENT MANUFACTURER – Project leader to develop a new set of
`products for the development and manufacturing of embedded smart card
`based equipment for the professional, consumer and retail markets.
`
`INTERNATIONAL CARD ASSOCIATION – Market readiness assessment
`of infrastructure to deploy and convert to smart cards from magnetic stripe
`cards. Studied feasibility and industry readiness and steps required to
`convert to smart card based transactions.
`
`MAJOR MULTINATIONAL FINANCIAL INSTITUTION – Card technology
`advisor for the development of an off-line secure corporate-treasury
`authorization system using advanced electronic cards. The project team
`determined alternative scenarios, economics and technology selection.
`
`MEDICAL SOFTWARE COMPANY – Project advisor for development of
`a card based electronic medical record for long-term management and
`tracking for patients. Pilot project will involve heart transplant patients
`and individuals who receive medical implants (pacemakers, heart valves,
`artificial limbs, and other critical medical devices). Scope of project
`included development of the card strategy, technology selection and
`supplier selection.
`
`SIEMENS AG, INFINEON TECHNOLOGIES – Project director for market
`research and development of next-generation IC technology for chip
`cards. Project developed market research and forecasting for current and
`future generation applications. Developed focus group reviews for
`assessing product features, costs, capabilities and application
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`requirements. Markets included set top box/conditional access,
`identification and security, telecommunications, banking, healthcare and
`government/defense.
`
`OKI ELECTRIC COMPANY, LIMITED – Project advisor developing entry
`scenarios for portable electronic transaction systems. Development
`included work on electronic wallet and other hand-held portable delivery
`systems for electronic purse cards and other applications.
`
`REMOTE MEMORY TELEPHONE CARD PROVIDER – Project
`consultant to establish and review business case for remote 1-800
`memory telephone long-distance calling services. Developed and
`reviewed business case economics, systems, tariff and legal aspects as
`well as formulated growth and alliance plans.
`
`COMMONWEALTH SECURITIES, INC. – Due diligence and market
`research to establish market potential and forecasts for pre-payment card
`utilization for Americas (North, Central and South) and Europe (East and
`West).
`
`1988-1991
`
`
`
`
`
`
`
`As the manager of the worldwide card technology practice for Andersen
`Consulting (now Accenture), Mr. Dreifus established and directed the
`worldwide Advanced Card Systems consultancy, developed a partnership-
`wide training program for designing and building systems based on advanced
`card technologies. Practice covered all card technologies from magnetic
`stripe, optical memory card, integrated circuit (smart) through radio frequency
`identification (RFID) cards.
`
`Projects and clients included:
`STATE OF WYOMING EBT FEASIBILITY STUDY – Project director for a
`study to explore the feasibility of using electronic benefit transfer (EBT)
`technology in the following programs:
`- Aid for Dependent Children (AFDC)
`- Women, Infants and Children (WIC)
`- Food Stamps
`- Medicaid Eligibility (Title XIX)
`
`
`
`
`The project objective determined the viability of combining all programs
`onto a single information card.
`
`MAJOR OVERSEAS BANK – Technical manager for the development of
`an off-line multi-services banking product to be launched Q4 '91.
`
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`MAJOR FINANCIAL INSTITUTION – Advisory manager for the
`development of an innovative smart card based commercial payment
`system.
`
`ASIA/PACIFIC NATIONAL GOVERNMENT – Advisory manager to
`cabinet committee for the evaluation of alternative distribution methods for
`social welfare, health and other services through advanced technologies.
`
`EUROPEAN GOVERNMENT DEPARTMENT OF SOCIAL SECURITY –
`Acted as quality assurance reviewer for the study of using Smart Cards to
`distribute social security benefits. Existing benefit payment systems were
`reviewed and the feasibility of alternative distribution methods was
`examined.
`
`DUTCH POST, TELEPHONE, & TELEGRAPH (PTT Post) – Participated
`with in development of courses of action and alternatives for the
`consideration of privatization of the PTT. Additionally advised PTT
`management on the cost, benefits and opportunities for introducing smart
`cards (pre and post payment). Project work included definition of projects
`to design and implement country-wide smart card based systems. Lead
`manager for this project.
`
`STATE OF TENNESSEE – Advised the Department of Corrections on the
`feasibility and options for electronic tracking of inmates at correctional
`institutions. The project team explored the use of non-contact radio
`frequency identification tags for inmates and employees.
`
`MIDLAND BANK (U.K.) – Technical advisor to the project team
`developing long-range information technology strategies post-1992.
`Project work included the review of banking automation products from
`ATM's through smart cards.
`
`1992 SUMMER OLYMPIC GAMES/BANCO ESPANOL DE CREDITO –
`Developed overall strategy and feasibility for introducing and using a multi-
`service smart card at the 1992 Olympics for use by members of the
`Olympic family to include ticketing, cashless payment and security.
`
`MAJOR LOCK MANUFACTURER – Conducted project development,
`planning and review for smart card based electronic stand-alone lock and
`related equipment. Led the evaluation of candidate market segment
`requirements, smart card technology alternatives and system/product
`characteristics.
`
`MAJOR RETAIL ENERGY COMPANY – Technical advisor for the
`development of future in-store retail automation systems.
`
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`MAJOR TELECOMMUNICATIONS COMPANY – Advised in the strategy
`for product development and distribution of smart card based services.
`Study included the review of existing and new markets for smart card
`applications.
`
`MULTINATIONAL FINANCIAL INSTITUTION – Advisory manager for the
`development of a cross-border banking system for high net worth
`individuals as they travel around the world.
`1983-1988
`
`
`
`
`
`
`
`Independent consultant and principal of a research and development
`company in smart cards and related transaction technology. Major projects
`included:
`CITICORP – Responsible for assisting the bank in designing and planning
`corporate business strategies for various divisions.
`
` -
`
` Developed strategic and tactical plans for the voice and data networks,
`contingency/recovery planning and network security for the North
`American Finance Group,
`
` -
`
` Provided review and evaluation for business and technical requirements
`for the design and implementation of an expert system to automate the
`worldwide individual bank.
`
`
`
`COMMITTEES AND SOCIETIES
`
`Smart Card Industry Association – Founding director and member of the
`executive committee.
`
`Health Care Work Group – Participating member in the Smart Card Forum's
`task force developing the national position on smart cards for health care
`services.
`
`Smart Card Applications and Technologies (SCAT) Program Committee
`member, 1986-1990.
`
`ANSI X3.B10 WG1 Integrated Circuit (Smart) Card standards committee.
`Committee Secretary 1986.
`
`ANSI X3.B10 participating member for card related standards.
`
`
`
`ANSI X9.A6 participating technical expert for the review of financial standards
`for integrated circuit (smart) cards.
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`ISO Technical Advisor to TC 97/SC 17 for development of international
`interchange standards for integrated circuit (smart) cards.
`
`EDUCATION
`
`
`Master of Business Administration, Washington University, St. Louis.
`Beta Gamma Sigma honor society.
`
`Bachelor of Science in Computer Science and Engineering, Moore School of
`Engineering, University of Pennsylvania. Member of the Moore School
`Student Council and ACM chapter chairman.
`
`U.S. PATENT
`
`
`Portable Electronic Transaction Device and System Therefor, an integrated
`smart card based computer system. U.S. Patent # 4,575,621.
`
`CURRENT BOARD POSITIONS
`
`RDM Corporation (TSE: RC).
`
`Solution Design Group (Advisory).
`
`Executives Without Borders (Advisory, Non-Profit).
`
`FORMER BOARD POSITIONS
`
`United States Department of Defense Business Board.
`
`Domenici-Rivlin Debt Reduction Task Force, Senior Subject Matter Advisor.
`
`Viewzi Corporation.
`
`TelaDoc Corporation (NYSE: TDOC).
`
`Empire Financial Holding Corp. (AMEX: EFH).
`
`Tranzfinity Corporation (Advisory).
`
`Micromem Corporation (TSX, NASDAQ OTC: MMTIF).
`
`PUBLICATIONS & PRESENTATIONS
`
`
`Mr. Dreifus has authored and presented numerous papers on the utilization of
`advanced technologies around the world. He coauthored the book Smart
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`Cards: A Guide to Building and Managing Smart Card Applications, published
`by John Wiley & Sons. He is a noted speaker on several topics:
`
`x Application of advanced card technologies
`x Public telecommunications
`x Electronic benefits transfer (EBT)
`x Cyber and Data security
`
`In addition, Mr. Dreifus has presented expert testimony to the U.S. Congress
`and assisted in developing the first landmark Federal anti-computer crime
`legislation.
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