Green Team Researcher/Presenter Jeremy Archey Who is the customer? Our direct customers are the large, pre-established credit card companies such as Visa, MasterCard, American Express, and Discover, as well as the government. Our secondary customers are the individual businesses who purchase plans from the above companies that use our protection. What characteristics do they possess? Credit card companies spend millions of dollars annually on securing their credit cards against fraud and/or theft. Businesses lose even more money a year through embezzlement, often time perpetrated by using business credit cards fraudulently. How much do they need this solution? Credit card companies need this solution for two reasons. One, to be more competitive with each other, so that if one company adopts the solution, it will force all others to license it, lest they miss out on such an important security development. Second, it will attract more business customers, which are low-risk, high-use customers, which the credit card companies love. How much are they willing to spend? Credit card companies have been posting record profits for several years now, and identity theft and fraud have been on the rise for about the same number of years. By taking the proceeds from the former event and spending it on the latter, credit companies will protect their long term success by eliminating a potential problem while the market still strongly favors them. What is the return on investment for the customer? Unfortunately, the measure for the return on investment for the credit card companies is largely intangible. They will not have to spend as much on other forms of security, will be less likely to be held responsible for fraud, and will increase their customer base because of the demand for our product. However, their return would surely be more than the minimal cost of materials and the licensing fee we charge for our service. What are the added benefits? Added benefits for the soft customer include the ability to monitor employee and company spending habits more efficiently, while benefits for the credit card companies include faster check out time for their customers and more versatile credit cards that could be upgraded in the future to incorporate new business ideas. Does the solution introduce new problems? This solution introduces the problem of smart card security, which has not been fully researched yet.