DLRF are a medium sized company that manufacture and supplies electronic funds transfer and point of sale

equipment and system(EFTPOS). Fortronic was founded 20 years ago in Dunfermline, Scotland. It initially supplied transaction processing equipment to UK banks. It then identified the niche market for EFTPOS system in petrol industry. In 1987, the company was acquired by the De La Rue group, which services the banking and financial industries throughout the world. The group operates in over 100 countries, including china, supplying wide range of products and services. Over the years it has developed new products to support SMART cards and electronic purse system.

Organisational structure

Security and Print

De La Rue Group

Cash System

Transaction System

Organisational structure

Dunfermline (Corporate HQ) UK Frankfurt Sales and Services (Eastern Europe) Manchester Support (UK) Hartland Sales and Services (North America)

Eclipse TT41

Equinox EP41

F95 Micropos EFTPOS

F105 ELECTRONIC PURSE An offline method of transaction Transfers cash value from customer to retailer Without authorization A modem for onward transmission to banks

Tripos internet payment

Regarded by DLRF as the revolutionary product Can handle various cards A powerful and cost effective product Flexibility

A new generation For first time PIN-Pad users Can handle range Fully of electronic programmable purses and self install 2 ways of verification Flexibility to connect various peripherals

Internet payment solution Payment gateway 3 stages 1st stage has a payment server located in a secure location 2nd message server which establishes a communication link 3rd dispatch trigger mechanism

In U.K. a common to verify Easy to use signatures Speeds up the In Germany process of verification by payment PIN

Existing Competitors

VERIFONE

HYPERCOM
INGENICO

SCHLUMBERGER / DIEBOLD

VERIFONE Installed base of nearly 5 million terminals. Its strategy is to be in all markets. It is seen as having a production oriented philosophy

HYPERCOM Installed base of 1.1 million terminals worldwide. Its strategy is to develop high specification, high quality products which address actual market requirements it is active in China with an office in Beijing and claims to have 40% of this market

INGENICO Installed base of 400000 units in Europe N.A.

SCHLUMBERGER/ DIEBOLD Installed base of 350000 terminals in Europe mainly in France Schlumberger (European) joined with Diebold (American) as part of its strategy for expansion It has no plans to move into the Chinese or Asia-Pacific market

Main manufacturing facility is in Taiwan, opened a new factory in China where it has 30% of the market share. Warranty: 13 months

It has in office in China however it market share in China is tiny

Warranty: 5 years

N.A.

N.A.

VERIFONE

HYPERCOM

INGENICO

SCHLUMBERGER/ DIEBOLD It has considerable SMART card experience since it is also a major supplier of SMART cards

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Product range

its experience with SMART card application, portable terminals and radio communications

NA

its weakness is lack of SMART card or electronic purse experience

NA

NA