As the Director of the newly-created Enterprise Center at Indiana University of Pennsylvania, she is responsible for the leadership of three integrative functions: the management of the I-Card system, IUP's entrepreneurial initiatives, and the Royalty/Licensing program at IUP. Ms. Allen promotes the generation of revenue-producing ideas, and facilitates the coordination of all segments of the University in implementing fund-generating programs to minimize expenses, reduce costs, and increase related incomes by partnering with businesses. In general, she searches for ways to create new sources of revenue for the university.

Ms. Allen has prepared and delivered presentations on and off campus and conducted workshops on institutional marketing with multimedia and electronic marketing. In her previous position at the University of Florida, Ms. Allen was the first person to fill the position of Marketing and Public Relations Director at the Business Services Division. She was responsible for all nine segments of the Business Services Division's marketing and oversaw the production of all publications. She served as a liaison between professional organizations, coordinated trade fairs and expositions, and obtained and maintained positive media relations and coverage. As a goal-oriented person, she places emphasis on high quality services, measurable results and the motivation of people.

Ms. Allen holds a degree in business administration with concentration in marketing from Ein Shams, in Cairo, Egypt, and completed post-graduate studies in business at The American University in Cairo.

Greg has since worked for CEI Card Systems (previously known as Special Teams, Inc.) from 1995 to the present, in roles including Regional Technical Service Manager (Mid-Atlantic Region) and Senior Director of Operations. Greg serves as the CEI Card Systems divisional representative, and is responsible for all aspects of divisional operations, sales and technology expansion. Greg has been directly involved and on site during over 50 college and University card system implementation activities.

He has worked in higher education since 1978 after completing his MFA degree at Southern Illinois University. He has retained faculty or administrative positions at Northern Kentucky University, Cincinnati Academy of Art and Xavier University.

Mr. Barlow has provided a variety of management and card technology programs for the National Association of Campus Card Users (NACCU), National Association of College and University Business Officers (NACUBO), National Association of College Auxiliary Services (NACAS), American Association of Collegiate Registrars and Admissions Officers (AACRAO) and Association of College and University Telecommunications Administrators (ACUTA). He has directly assisted many educational, corporate and federal institutions with the comprehension and implementation of card applications.

Additionally, he is on the faculty of the College of Business Administration, Information Systems Department. Prior to joining LMU he spent 17 years in Computer Information Systems in various industries including commercial real estate, computer systems analysis and support, nonprofit organizations and training. John's experience in Information Systems includes campus card systems network management, geographic information systems, project management, product management, database development, contact management, financial analysis, remote access, and user interface design. John currently holds an MBA in Computer Information Systems. Prior to entering the world of computers he was a Helicopter and Fixed Wing pilot in the U.S. Coast Guard and in commercial aviation.

Dovell Bonnett has 13 years of diversified product marketing, sales, communications, manufacturing and design engineering experience, both on his own and with some of the leading technology and semiconductor companies, including National Semiconductor, GTE Government Systems, and Siemens. His broad-based knowledge includes mechanical, electrical, and systems design engineering; semiconductor marketing; and smart card encryption methodologies.

Kendra Bonnett is a journalist with 20 years of experience in direct marketing, public relations, and marketing communications for international corporations as well as small entrepreneurial firms, many in fields of emerging technology. She founded Profit: Information Technology for Entrepreneurs, an award-winning joint magazine publishing venture between IBM and The New York Times, and served as its first editor-in-chief. She has authored more than 150 magazine articles, largely in the fields of computer and information technology. Currently she is working on a book project for IBM entitled Getting the e-Vantage: An IBM Guide to e-Business in the 21st Century.

He has served as consultant to prime contractors in international voter ID projects and domestic drivers' license programs. Mr. Caulley has worked with numerous high tech companies in the development of card- based auto ID technologies including the first release of two dimensional barcodes on plastic cards and the packaging of surface acoustical wave technology for high speed, long distance vehicle ID tags.

Mr. Caulley continues to stay technologically active in the plastic card industry, despite his administrative duties, and is currently a member of the ANSI Card Durability Task Force and also a founding member of the NACCU Card Durability Study.

Dennis received his degree from Antioch West University in Mathematics and Education, but did the great majority of his undergraduate work at Santa Clara University in mathematics and chemistry. He initially worked in education in the Bay Area before entering the printing and card manufacturing industries.

Previously, Mike worked at IBM, where he spent 12 years in a variety of roles, including software and hardware engineering, and directing sales and marketing for banking in the Western United States.

Mike was born and raised in New Jersey and has engineering and business degrees from the University of Pennsylvania.

Her work experiences in student affairs, academic administration and business administration have combined to create a broad understanding of university issues from a variety of viewpoints. Patricia currently oversees the following areas: CATcard Service Center (one-card office), Campus Ticket Store, University Store, University Graphics and Printing, Licensing Program, Mail Services and contracted Travel Center And Vending Services. She led the committee that developed the University's one-card program and oversaw the comprehensive evaluation of the University Bookstore.

Patricia holds a B.A. degree in Sociology from Gettysburg College, and a M.Ed. from the University of Vermont in Student Personnel Services in Higher Education.

Kiran has been associated with credit, debit, and stored value card systems businesses for the last 18 years as President of Lexicon Corp. and Debitek. He has extensive knowledge of the payment systems industry. He is a member of the board of directors of the Electronic Funds Transfer Act, a member of the Smart Card Forum, and a member of the National Clearing House Association. He is very familiar with issues involved in creating a card-based infrastructure, including: establishing objectives, determining infrastructure needs, identifying appropriate machine-readable card technology, selecting devices and systems for card issuance/acceptance, and determining card marketing requirements.

Tom attended Shippensburg University in Shippensburg, Penn.

Active in the Ithaca, N.Y. community, Tom has served as president of the Downtown Ithaca Business Association, business division chairman of the Tompkins County United Way, and member of the Board of Directors of the Tompkins County Chamber of Commerce. He is currently active in the Ithaca Yacht Club.

Often referred to as the guru of the "All-Campus Card," Bob co-developed and implemented the first campuswide multi-application card system at Duke University, providing students with pre-approved access to hundreds of services using a single card. Implementation of such systems has resulted in expanded services, convenience, higher security, customer satisfaction, and new revenue for both the institutions and their service providers.

Bob has assisted over 150 colleges and universities, trained over 1,000 computer system users, and installed over 54 mainframe systems and over 150 food service systems (including debit card, credit card, point-of-sale, meal plan, vending, door access, and food production systems). He has direct experience with a variety of card system technologies.

Bob earned a Bachelor of Science degree in Business Administration, and an Associate of Science degree in Restaurant Management. He has been certified by the Arizona Department of Education, the Arizona Community College Board, the Institute of Management Consultants (Certified Management Consultant), and the National Bureau of Certified Consultants (Certified Professional Consultant to Management). He is affiliated with the National Association of College Auxiliary Services, the National Association of College and University Food Services, American Society for Training & Development, Institute of Management Consultants, American Association of Community Colleges, and the Association of College Administration Professionals. Bob is a frequent speaker at industry meetings, workshops, and conferences.

He is an active contributing member of standardization groups on smart cards and has served as one of the experts appointed by ANSI to represent the U.S. at the ISO. He is a board member of the Smart Card Forum, co-chairs the Smart Card Forum Technical Committee, and chairs the Security Committee of the Smart Card Industry Association. Previously, Gilles headed the Technical Marketing organization for SGS-Thomson Smart Card components and led the development of the original chip operating system for smart cards. He is a graduate of the Arts & Metiers French engineering school, where he specialized in automation and electronics.

Mapes joined Schlumberger more than five years ago, serving in additional leadership capacities such as Business Segment Manager for Danyl, Major Account Sales Manager and National Manager for Campus in North America. During his tenure, Mapes has been responsible for transitioning the Schlumberger campus offer to include all components of a successful smart card ID system. The results are a much broader system offer resulting in a completely integrated Campus ID solution. Additional experience was gained through leadership of Schlumberger VisaCash initiatives at the summer Olympics and working closely with financial institutions for smart card programs.

Prior to joining Schlumberger in 1994, Mapes managed POS sales for Sharp Electronics. The knowledge gained in this position has proved valuable in bringing merchant programs to Schlumberger Campus Systems. Mapes continues to take on more responsibility as he shares his vision for a more connected world of smart card users.

Mapes holds a Bachelor of Science degree from Philadelphia University. There he completed Marketing and Psychology degrees. He is a member of the Smart Card Forum and National Association for Campus Card Users.

Ben has also operated an active consulting practice since 1979, specializing in technology assessment, strategic planning, and system implementation. He has consulted for organizations including American Express, Visa International, the U.S. Treasury, Chase Manhattan Bank, IBM, AT&T, the U.S. Department of Agriculture and more than 50 other organizations.

He has served as an advisor to both the U.S. Congress and the National Science Foundation and is a sought-after speaker, addressing dozens of audiences throughout the world each year. His articles on technology innovation have appeared in more than 20 publications throughout the world. He is regularly quoted in the trade and general press, including the Wall Street Journal, USA Today, Business Week, and The New York Times.

As a result of Faulkner & Gray acquiring CTST in January 1998, Ben joins Faulkner and Gray as Senior Vice President in charge of the Company's CTST Division. He continues to serve as Chairman of all CTST events.

Heather attended Alverno College and Milwaukee Area Technical College in Milwaukee, Wisconsin, studying Video Production and Marketing. She currently lives in Minneapolis, Minn. In her "spare" time, she created a website for and helps market a local band.

The firm worked with MCI and Florida State University in designing a student ID smart card rollout, is active in prepaid phone cards, and designed other e-purse/security chip card applications and clearinghouse systems for public transit in New York and Seattle. Q&A worked with toll collectors in New Jersey to design a clearinghouse system using contactless transponder technology. In 1996, Q&A worked with a large Chicago-based real estate organization to develop a transactional kiosk network for use by tenants for apartment and health related services.

While at EPS, Mr. Quadagno managed the company's role in establishing closed e-purse systems in universities, transit agencies and entertainment/resort industry. At the time, EPS was developing a smart card platform in collaboration with VISA. Mr. Quadagno also managed the development and launch of the MAC and EPS prepaid phone card products. Mr. Quadagno has spent 20 years in the payments industry. Prior to joining EPS, he was responsible for the creation of New York City's MetroCard, a magnetic-based, closed stored value card system used to access subway and bus service. He was instrumental in creating a new subsidiary agency of the Metropolitan Transit Authority-the MTA Card Company. MTACC's mission was to create a public/private joint venture to expand payment use of MetroCard to all MTA subsidiary agencies as well as non-transit related payments. This effort was the first of its kind in the U.S. MetroCard is now an accepted payment method for accessing and riding New York City's subways, buses and commuter rails and is currently piloting the combined use of transit with prepaid phone card applications.

Mr. Quadagno is the Vice Chairman of the Smart Card Industry Association's Board and has spoken at industry conferences sponsored by Faulkner & Gray, AiC, CardTech/SecurTech and Telecomm Business. He is pleased to add NACCU 2000 to his distinguished list of engagements.

Mr. Schofield is an internationally recognized authority in the electronic printing field. Formerly with Gulton Industries as Design Engineering Manager, he was responsible for new product design and development, including development of a unique line of thermal printers, printer/plotters and waveform recorders.

Mr. Schofield received a BSEE degree from Southeastern Massachusetts University in 1972 and was involved in the development of air traffic controls systems and technology at MIT Lincoln Library.

From 1994 to 1999, Skinner served as president of Clayton College and State University. A career educator, Dr. Skinner "has become," in the words of The Atlanta Journal-Constitution, "a national ambassador for technological training." He led Clayton College in the largest deployment of mobile computing in higher education by launching the Information Technology Project. This initiative was followed by development of the Information Technology Career Ladder, enabling students to "fast-track" into the burgeoning IT field. The design of this new program was derived in part from Dr. Skinner's work during 1997-98 as chair of a national task force for the Information Technology Association of America to determine how higher education and the IT industry could work together in addressing the shortage of high tech workers. In 1995, he led the steering committee that oversaw the implementation of the Georgia Library Learning Online (GALILEO), the most advanced statewide World Wide Web-based library in the country.

Dr. Skinner has written and spoken widely on topics as diverse as the role of telecommunications in urban and rural community development, teacher preparation, civic morality in contemporary America, telecommuting and teleworking, and, a favorite subject, "the Age of Learning." He is a member of numerous national, state and local boards, and was recently appointed by Governor Roy Barnes to the 14-member Georgia Citizens' Task Force on Y2K.

In 1998, Mr. Urquhart won a prestigious Smithsonian Award for "Smart Card Coin Replacement." This unique technology application is now part of the permanent Smithsonian Innovation Collection. He also has a patent pending on the "Smart Card Transaction System and Dispenser." Highlights of his IBM career include being the "Father of the IBM System 32 system," and, from 1982 to 1988, being responsible for building IBM's telecommunications business in Europe.

Mr. Urquhart is frequently a speaker on "the impact of technology on future business." He talks about the fast-changing pace of business, technology evolution, PCs, the Internet, Y2K, and the economic effects of these changes.

Dr. Wayman received his Ph.D. degree in Engineering from the University of California at Santa Barbara in 1980, and joined the faculty of the Department of Mathematics at the U.S. Naval Postgraduate School in 1981. His early work was in acoustics and speaker recognition. In 1986, he became a full-time researcher for the Department of Defense in the areas of technical security and biometrics. Under contract to the DoD, he invented and developed a biometric system based on the acoustic resonances of the human head.

He holds two patents in speech processing and is the author of dozens of articles in technical journals and conference proceedings on biometrics, speech compression, acoustics and network control. In addition to directing the Test Center, he teaches graduate and undergraduate courses in biometric identification at San Jose State University. He is a senior member of the Institute of Electrical and Electronic Engineers.