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Dynamic Data Authentication credit cards provide the most advanced security available for securing payment transactions today. They offer a sophisticated authentication scheme whereby unique transaction signatures are generated by the cryptographic processor on the card for each individual transaction. As each signature is computed based on random data provided by the point-of-sale terminal, this makes them difficult to duplicate, thus offering a significantly higher level of security than the more commonly used Static Data Authentication (SDA) cards which use a single static card signature for every transaction made with the card. DDA cards also offer off-line transaction processing capabilities, which will help Bank Buana reduce its network communications costs. janet.loh-tk@gemplus.com www.gemplus.com