CardLab and QuardLock’s joint vision is to bring a disruptive, highly secure smart card (QuardCard) to the financial payments market, which is currently facing major increases in fraud levels. QuardCard combines, for the first time: (i) a smart card (all data is kept inside the card and only encrypted keys are released); (ii) a biometric fingerprint – highly accurate and impossible to copy; and (iii) dynamic one-time-password (OTP), generated by the user's fingerprint. As such, the card only works with the rightful owner’s fingerprint and will improve drastically the security of online and physical transactions. The card will be marketable in two generations/versions: • 1st generation QuardCard for the generation of OTPs through user’s fingerprint for e-banking authentication and e-commerce transactions; • 2nd generation QuardCard combining generation of OTPs with capacity for physical transactions (card payments or cash withdrawal), replacing the need for a conventional credit card. Due to the certification compliance of the current prototype, both generations will be ready for mass production upon completion of the QuardCard project. However, financial institutions do not easily replace existing solutions by novel technologies. Ensuring and demonstrating a maximum level of user security is a key differentiating factor to gain access to the market. Given QuardCard´s value proposition, combined with the demonstration and certification activities planned for Phase 2, we will be able to enable subsequent market entry. The consortium gathers two Danish SMEs: CardLab (QuardCard manufacturer) has an established network of clients and QuardLock holds the patent and know-how to use biometrics to generate an OTP. Both companies will benefit from the project through a cross-license agreement where each receive a share of QuardCard revenues and royalties.

CardLab and QuardLock’s joint vision is to bring a disruptive, highly secure smart card (QuardCard) to the financial payments market, which is currently facing major increases in fraud levels. QuardCard combines, for the first time: (i) a smart card (all data is kept inside the card and only encrypted keys are released); (ii) a biometric fingerprint – highly accurate and impossible to copy; and (iii) dynamic one-time-password (OTP), generated by the user's fingerprint. As such, the card only works with the rightful owner’s fingerprint and will improve drastically the security of online and physical transactions. The card will be marketable in two generations/versions: • 1st generation QuardCard for the generation of OTPs through user’s fingerprint for e-banking authentication and e-commerce transactions; • 2nd generation QuardCard combining generation of OTPs with capacity for physical transactions (card payments or cash withdrawal), replacing the need for a conventional credit card. Due to the certification compliance of the current prototype, both generations will be ready for mass production upon completion of the QuardCard project. However, financial institutions do not easily replace existing solutions by novel technologies. Ensuring and demonstrating a maximum level of user security is a key differentiating factor to gain access to the market. Given QuardCard´s value proposition, combined with the demonstration and certification activities planned for Phase 2, we will be able to enable subsequent market entry. The consortium gathers two Danish SMEs: CardLab (QuardCard manufacturer) has an established network of clients and QuardLock holds the patent and know-how to use biometrics to generate an OTP. Both companies will benefit from the project through a cross-license agreement where each receive a share of QuardCard revenues and royalties. Later the technologies can be spread out to other user areas where a biometric safe card can be of utmost importance.

The project Efficient Organic Photovoltaic Sensors (EFFECTOR) will deliver innovative and environmentally-friendly solutions for digital and wearable electronics at TRL7. These objects will be individually powered by harvesting low-level light and will be made from sustainable materials for a bright digital future. EFFECTOR will contribute to a strategic position through an open economy in the key digital, and human-centric emerging technology by developing highly sustainable energy harvesting under diffuse, low-light conditions in the key areas of security and health. EFFECTOR will create new sustainable European value chains for photovoltaic technologies and open new innovative business-to-business operations by doubling the efficiency of non-toxic organic solar cells for use under low-level light. It will couple in a streamline way with non-toxic, sustainable supercapacitors with advanced low power electronics. The EFFECTOR strategy is to bring solar cell technology to mainstream use by eliminating the need for mains electricity from everyday human-centred electronics. It will develop sustainable materials and processes, using non-toxic materials and reducing environmental impact applicable for a huge raft of human-centred technologies and innovations. EFFECTOR draws on the world-leading inkjet OPV manufacturing of Dracula Technologies, the sustainable non-toxic aqueous supercapacitors of Innocell, and the high fidelity power management systems from e-peas. With its world-leading academic partners in solar cell design (SDU), high throughput industrial electronic printing and integration (VTT) and polymers for solar cell stabilization (CNRS), it will demonstrate this innovative multi-faceted approach in vital health monitoring with Polar and portable device applications with CardLab’s biometric card technology. EFFECTOR will demonstrate how low-level and indoor light can power our future in a secure, reliable and sustainable way.