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Annual Report 2016
二零一六年年報
15
Management Discussion & Analysis
管理層討論及分析
業務回顧（續）
保安方案－
Digi-Sign/TESS
回顧
二零一六年保安方案業務之收益港幣
29,700,000
元與二零
一五年維持相近水平，然而溢利跌至港幣
2,800,000
元，較
二零一五年減少
33.3%
或港幣
1,400,000
元，全年總收益能
追回上半年業績，部分原因如二零一六年中期報告所述我們
於下半年完成及向兩名新銀行客戶交付一次性密碼（「
OTP
」）
解決方案，帶來額外收益。我們於年底前向一名主要銀行客
戶交付首階段生物認證解決方案亦帶來收益貢獻。這些二零
一六年額外收益幾乎抵銷二零一五年（但於二零一六年並沒
有）錄得之電子支票相關項目收入。另一方面，由於流動銷
售點╱支付解決方案延遲推出，加上研發生物認證解決方案
產生之額外成本，導致二零一六年與二零一五年相比，成本
上升及溢利下跌。
憑藉我們在電子保安領域專業知識及經驗，多年來我們已擴
大所提供之解決方案，由開始作為根據香港法例電子交易
條例獲認可之商營電子核證機構
Digi-Sign
提供之數碼證書服
務，擴大至提供全面身份管理解決方案，當中包括保安編碼
器及生物驗證解決方案。隨著我們業務推進之方向，我們正
於電子身份管理（「
e-IDM
」）領域建立我們的獨特品牌定位。
我們之
e-IDM
解決方案利用多重身份認證作為保安機制，確
認用戶所聲稱的身份以處理及授權交易。為迎合各行各業客
戶之業務╱經營需求，我們可靈活訂製相關解決方案，如不
同形式的保安編碼器，有實體或安裝於流動裝置上的軟件保
安編碼器。我們與環球知名生物認證龍頭企業合作推出的生
物解決方案，其獨特設計能於單一驗證平台上支援不同的生
物認證方法以處理銀行交易。二零一六年為主要銀行客戶所
提供的首階段解決方案僅為試行，該客戶已與我們協定擴展
方案功能，於二零一七年進行全面推廣，支援包括分類為敏
感╱高風險之銀行交易等更多方面應用。儘管我們尚未為該
主要銀行推出整套解決方案，惟已有多間銀行表達強烈興
趣，當我們成功於市場推出首個實踐案例，將隨後推出類似
解決方案。事實上，我們之
e-IDM
解決方案（特別是生物解
決方案）不僅引起銀行業界興趣，對用戶身份極為重視之醫
療業界，我們亦物色到若干機遇，並正積極跟進。醫療業界
需要精密之
e-IDM
解決方案，我們提供的解決方案可滿足它
們的需要。我們對
e-IDM
業務前景充滿信心，並將於其他業
界探索更多類似機遇。
Business Review (continued)
Security Solutions – Digi-Sign/TESS Review
While revenue of our Security Solutions business in 2016 at HK$29.7 million
was almost the same as 2015, profit however dropped to HK$2.8 million,
down 33.3%, or HK$1.4 million lower than 2015. The catch up of the full
year topline from the first half result was partly due to additional revenue from
the completion and delivery of the one-time password (“OTP”) solutions in
the second half of the year to the two new bank customers as mentioned in
the 2016 Interim Report. Also contributing to this was the delivery of phase 1
of our biometric-based authentication solution for our major bank customer
before end of the year. These additional revenue in 2016 almost cancelled out
our E-cheque related projects income which was recorded in 2015 but not
in 2016. On the other hand, due to the continued delay of the launch of our
mobile PoS/payment solutions and the additional cost incurred in the research
and development of our biometric authentication solution resulting in inflated
cost and declined profit for 2016 compared to the 2015 figures.
Leveraging on our sound domain knowledge and expertise in the e-security
field, over the years we have extended our solution offerings from just the
digital certification service as the start under Digi-Sign as a commercial
Recognized Certification Authority (under the Electronic Transactions
Ordinance of the Laws of Hong Kong) to a comprehensive range of solutions
for identification management which included security tokens and biometric-
based authentication solutions. As our business progresses the way we
are going, we are building our unique brand positioning in the electronic
identification management (“e-IDM”) space. Our e-IDM solutions utilize multi-
authentication as a secure mechanism to confirm user’s claim identity in
processing and authorizing transactions. To cater for the business/operation
requirements of different customers in different industries, our solutions can be
flexibly customized and deployed as in the case of security token, on different
form factors, as a hard token or software installed on mobile device. As for our
biometric solution for which we partner with a renowned global leader in this
field, it is uniquely designed to run on an authentication platform that supports
multiple biometric factors for banking transactions. The phase 1 solution
deployed in 2016 for our major bank customer was only a pilot and the
customer already has agreement with us to expand the features of our solution
for mass rollout in 2017 supporting more applications including banking
transactions classified as sensitive/high risks. While the full-fledged solution
for this major bank has yet to be launched, we have already lined up with
a number of banks who have indicated keen interests to implement similar
solution once we have our first proven case launched successfully in the
market. In fact the interests for our e-IDM solutions, in particular the biometric
solutions, go beyond the banking industry. We have a few opportunities in
the health-care industry in which authentication of user identity is of topmost
importance and which we are actively pursuing. They have demands for
sophisticated e-IDM solutions which we could offer to meet their requirements.
We would explore further similar opportunities in other business sectors. We
are hopeful about the prospect of our e-IDM business.