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The integrated loyalty application also allows CombOS™ issuers to improve customer retention. Whether it is used for saving points or safeguarding files, Trüb’s chip OS offers all necessary options from within the ISO 7816 commands. If desired it will also support applications such as physical or logical access control. Additionally, CombOS™ is prepared for e-commerce applications such as e-purse and e-banking. It can be used for Internet transaction verification with either MasterCard CAP or VISA 3-D secure chip authentication programs. geert.hoevenaars@trueb.ch www.trueb.com