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TMCNet:  IDENTIVE GROUP, INC. - 10-Q - Management's Discussion and Analysis of Financial Condition and Results of Operations

[November 09, 2012]

IDENTIVE GROUP, INC. - 10-Q - Management's Discussion and Analysis of Financial Condition and Results of Operations

(Edgar Glimpses Via Acquire Media NewsEdge) This Quarterly Report on Form 10-Q contains forward-looking statements for purposes of the safe harbor provisions under Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. These statements, other than statements of historical facts, include statements on our ability to execute our growth strategy, expand our business, leverage our opportunities, enter new markets, capitalize on the growth in our industries, develop and improve new technology, and similar statements regarding our strategy, future operations, financial position, projected results, estimated revenues or losses, projected costs, prospects, plans, market trends, competition and objectives of management. In some cases, you can identify forward-looking statements by terms such as "will," "believe," "could," "should," "would," "may," "anticipate," "intend," "plan," "estimate," "expect," "project" or the negative of these terms or other similar expressions. Although we believe that our expectations reflected in or suggested by the forward-looking statements that we make in this Quarterly Report on Form 10-Q are reasonable, we cannot guarantee future results, performance or achievements.


You should not place undue reliance on these forward-looking statements. All forward-looking statements speak only as of the date of this Quarterly Report on Form 10-Q. While we may elect to update forward-looking statements at some point in the future, we specifically disclaim any obligation to do so, even if our expectations change, whether as a result of new information, future events or otherwise.

27 -------------------------------------------------------------------------------- Table of Contents We also caution you that such forward-looking statements are subject to risks, uncertainties and other factors, not all of which are known to us or within our control, and that actual events or results may differ materially from those indicated by these forward-looking statements. Such factors include our ability to successfully integrate strategic businesses that we acquire, our ability to reduce costs associated with strategic acquisitions, our ability to anticipate product demand, our ability to obtain supplies for products in a timely manner, and our ability to retain key personnel, as well as those additional factors listed in the "Risk Factors" of our Annual Report on Form 10-K for the year ended December 31, 2011. These cautionary statements qualify all of the forward-looking statements included in this Quarterly Report on Form 10-Q that are attributable to us or persons acting on our behalf.

The following information should be read in conjunction with the unaudited condensed consolidated financial statements and notes thereto set forth in Part I-Item 1 of this Quarterly Report on Form 10-Q and with the audited financial statements and notes thereto contained in our Annual Report on Form 10-K for the year ended December 31, 2011.

Overview Identive Group, Inc. ("Identive," the "Company", "we" or "us") provides secure identification ("Secure ID") solutions that combine the convenience of radio frequency identification ("RFID") with the security of smart card technology to enable people to easily and securely interact with and manage digital devices, systems and data. Our offerings include hardware products, software, integrated systems and services to address the global markets for credential management, physical and logical/cyber access control, integrated ID solutions and a host of near field communication ("NFC") and RFID-enabled applications for customers in the government, enterprise, consumer, education, healthcare and transportation sectors. Our growth model is principally based on strong technology-driven organic growth, supported by disciplined acquisitive expansion. Our common stock is listed on the NASDAQ Global Market in the U.S. under the symbol "INVE" and the Frankfurt Stock Exchange in Germany under the symbol "INV." We operate in two segments, "Identity Management Solutions & Services" ("Identity Management") and "Identification Products & Components" ("ID Products"): • In our Identity Management segment we design, supply and manage solutions, systems and services that enable the secure management of credentials in diverse markets. These credentials are used for the identification of people and the granting of rights and privileges based on defined security policies. Our Identity Management offerings include integrated physical and logical (i.e., PC, network or cyber) access systems, integrated ID solutions, cashless payment solutions and cloud-based credential management systems, all of which are designed to enable organizations to enhance security and better meet compliance and regulatory requirements while providing the benefits of ease of use and convenience. We sell our Identity Management solutions under the Identive, Hirsch Identive, polyright, payment solution and idOnDemand brands. Our Identity Management end customers operate in the government, education, enterprise and commercial markets and can be found in multiple vertical market segments including payment, healthcare, banking, industrial, retail and critical infrastructure.

• In our ID Products segment we design and manufacture both standard and highly specialized RFID and smart card technology-based products and components, including NFC products and components, that are used in the government, enterprise and consumer markets for a number of identity-based and related applications, including logical access, physical access, e-Health, e-Government, citizen ID, mobile payments, loyalty schemes, and transportation and event ticketing. Our ID Products offerings include i) readers and terminals based on both contact and contactless smart card technology and ii) RFID transponders, which consist of RFID inlays and inlay-based RFID tags, labels, stickers and cards, including NFC inlays and tags. Our ID Products are sold primarily under the Identive brand.

Each of the business areas within Identive conducts its own sales and marketing activities in the markets in which it competes, primarily utilizing its own sales and marketing organization to solicit prospective channel partners and customers, provide technical advice and support with respect to products, systems and services, and manage relationships with customers, distributors and OEMs. Increasingly, we also leverage common resources between business areas to optimize our sales and marketing efforts across multiple regions and market opportunities. The majority of our sales are made through indirect sales channels that may include dealers, systems integrators, value added resellers, resellers or Internet sales.

28 -------------------------------------------------------------------------------- Table of Contents Our corporate headquarters are located in Santa Ana, California and our European and operational headquarters are located in Ismaning, Germany. We maintain facilities in Chennai, India for research and development and in Australia, Canada, Germany, Hong Kong, Japan, The Netherlands, Singapore, Switzerland and the U.S. for local operations and sales. The Company was founded in 1990 in Munich, Germany and incorporated in 1996 under the laws of the State of Delaware.

Recent Acquisitions On January 30, 2012, through our Bluehill ID AG subsidiary, we acquired approximately 58.8% of the outstanding shares of payment solution AG, a privately-held German company that provides cashless payment solutions for stadiums, arenas and other event venues ("payment solution"). In exchange for the shares of payment solution, we issued an aggregate of 1,357,758 shares of our common stock, which had an approximate value of €2.35 million (or approximately $3.0 million), to 18 selling shareholders of payment solution. The shares have not been, and will not be, registered under the U.S. Securities Act of 1933 and were issued in reliance upon available exemptions from the registration requirements of the Securities Act. The shares are also subject to applicable restrictions on transfer. payment solution's operating results have been included in our consolidated results from the date of acquisition. On April 2, 2012 we acquired an additional 23.7% of the outstanding shares of payment solution, bringing our total ownership of the company to 82.5%. We are in the process of integrating payment solution into our existing ID Solutions operations in Germany.

On July 18, 2011, through our Multicard AG subsidiary we acquired polyright SA, a Swiss provider of identity management platforms and open-ended rights and services management solutions for higher education, healthcare and industry ("polyright"). The acquisition was made using a combination of cash and payment of outstanding indebtedness in the aggregate amount of CHF 2.55 million (or approximately $3.1 million). The sellers included Securitas AG, Kudelski SA and members of polyright's management team. The sellers may receive aggregate potential earn-out payments payable in shares of our common stock, over the 30-month period following the closing of the acquisition, subject to achievement of specific financial and sales performance targets over such period. The number of shares, if any, issued under the earn-out will be based on the average share price during the month preceding the date of announcement of our annual results, and will be subject to a two-year lockup. polyright's operating results have been included in our consolidated results since the date of acquisition.

Following the acquisition, polyright was integrated into our existing ID Solutions operations in Switzerland.

On May 2, 2011, we acquired 95.8% of the shares of idOnDemand, Inc., a privately-held provider of identity management services based in Pleasanton, California ("idOnDemand"). The acquisition was pursuant to the Stock Purchase Agreement dated April 29, 2011, under which we paid the selling shareholders of idOnDemand initial consideration at closing of approximately $2.4 million in cash and 995,675 shares of our common stock. In addition, the selling shareholders may receive aggregate potential earn-out payments payable in shares of our common stock subject to achievement of specific financial and sales performance targets over a period of three years and eight months from the closing date of the acquisition. Any shares issued in connection with the earn-out will be subject to a 12-month lock-up from date of issuance. Shares issued as consideration to the selling shareholders at closing are subject to a three-year lock-up from the closing date of the acquisition. The shares have not been, and will not be, registered under the U.S. Securities Act of 1933, and were issued in reliance upon available exemptions from the registration requirements of the Securities Act. Of the total initial share consideration paid to the selling shareholders, 407,289 shares were released from lock-up six months after the closing date. Beginning on the second anniversary of the closing date, the remaining shares will be released from the lock-up in equal amounts on a monthly basis until the expiration of the lock-up period.

idOnDemand's operating results have been included in our consolidated results since the date of acquisition. On December 22, 2011, we entered into an agreement to purchase the remaining outstanding shares of idOnDemand for the sum of $500,000, pursuant to an agreement among Identive, ActivIdentity Corporation and idOnDemand. Following the completion of this share purchase on January 9, 2012, idOnDemand became a wholly-owned subsidiary of Identive. idOnDemand's software and services activities have been closely integrated with our Hirsch Identive operations and together they comprise our Identity Management & Cloud Solutions division. Certain reader products from idOnDemand have been transferred to our ID Products segment.

Recent Trends and Strategies for Growth Identive is focused on building the world's signature company in Secure ID by providing products, systems and services that are interoperable, easy to integrate and easy to use. Our goal is to build a lasting business of scale and technology to both enable and capitalize on the growth of the security and RFID industries. Our growth strategy is based both on technology-driven organic growth and disciplined acquisitive activity. We pursue investments and acquisitions with a focus on expanding our business, reinforcing our market position in targeted areas and fully leveraging our strengths and opportunities to enter new markets, as well as driving consolidation in the rapidly growing, yet fragmented markets for identification-based technologies.

29-------------------------------------------------------------------------------- Table of Contents As part of our organic growth strategy, we are focused on enhancing our ability to address emerging growth markets and extending our product and solutions offerings through ongoing research and development programs. This includes a significant update to our Hirsch Identive access control software and hardware platforms and continued enhancements to our software systems for cashless payment systems. Additionally, to meet increasing customer demand for RFID inlays and finished transponder products such as tags, labels and cards, we continue to add new manufacturing and production equipment and lines at our facilities in Germany and Singapore.

In order to position the Company to participate in emerging, potentially very high-growth market opportunities, we have invested and continue to invest in new products and solutions in a number of areas. In anticipation of the launch of new smartphones that include NFC technology, we created a new dedicated group focused on NFC and mobility applications, which is responsible for guiding and coordinating our NFC product and market strategies as well as launching new cloud-based NFC services. We are investing in NFC product and service offerings, including NFC tags, readers, development kits, and a cloud-based services platform for managing content on deployed NFC tags. We also launched an online market to sell our NFC products and services at www.identiveNFC.com. To take advantage of the growing market trend towards the convergence (or integration) of physical and cyber access systems, we created a new group focused on the market for converged access products. Additionally, to meet the growing demand for cloud-based credential issuance and management, we are investing in the development of "Identity as a Service" software solutions and capabilities.

Because acquisitions have been and continue to be a component of our strategy to expand our capabilities and the scale of our business, from time to time we reorganize our operations to enhance our ability to address our market opportunities. For example, we have consolidated our various transponder, reader and firmware product businesses into a single Identification Products organization and moved the majority of our product brands under a single market brand, Identive. We have combined our Hirsch Identive and idOnDemand operations into a single organization focused on Identity Management & Cloud Solutions, and are in the process of transitioning our Hirsch Identive and idOnDemand offerings to the Identive brand. We are also engaged in combining our most recent acquisitions, polyright and payment solutions, into the operations of our ID Solutions division.

While we expect to continue to invest in those areas of our business that we perceive to be important future growth drivers, as described below in "Results of Operations" and "Liquidity and Capital Resources," our sales for the first nine months of 2012 were negatively impacted by market factors, and we continue to incur operating losses Goodwill and Intangibles Impairment As described in Note 9 to the unaudited condensed consolidated financial statements included in this Quarterly Report on Form 10-Q, because of a significant decline in the Company's stock price and market capitalization and changes to forecasted revenue, gross margin and operating profit during the 2012 second quarter, we undertook interim goodwill impairment analyses in connection with our quarterly close as of June 30, 2012.

Due to the length of time necessary to measure impairment of goodwill, our analysis was not completed as of the time of the filing of our second quarter Form 10-Q and we reported a preliminary impairment charge of $21.4 million in the second quarter ended June 30, 2012. The goodwill impairment analysis was subsequently completed during the 2012 third quarter and resulted in an additional goodwill impairment charge of approximately $5.0 million being recorded during the three months ended September 30, 2012, for a total goodwill impairment charge of $26.4 million during the nine months ended September 30, 2012.

In conjunction with our goodwill impairment test, we also tested our long-lived assets for impairment and adjusted the carrying value of each asset group to its fair value and recorded the associated impairment charge of $24.8 million in our condensed consolidated statements of operations, of which $23.9 million was recorded in the second quarter and $0.9 million was recorded in the third quarter of 2012. These charges affected our financial condition and results of operation; however, they have no impact on our day-to-day operations or liquidity and will not result in any future cash expenditures. We also expect that as a result of the impairment there will be lower non-cash charges to net earnings in future quarters, as the amount of intangible assets being amortized will be significantly reduced.

Trends in our Business Sales Trends Sales in the first nine months of 2012 decreased 9% to $68.0 million compared with the first nine months of 2011, reflecting a 16% decrease in organic sales, partially offset by $5.4 million of incremental revenue from idOnDemand, polyright and payment solution. In the first nine months of 2012, sales were affected by a revenue gap of approximately $6.2 million caused by the absence of new orders for secure card readers and software for the German national ID program, which had been a significant component of our revenue throughout 2011; project delays with several transponder customers in the mobile device and transportation sectors; and ongoing budget delays and constraints in the U.S.

government and European government program sectors. These factors were partially offset by stronger sales of smart card readers and Hirsch Identive identity management and access control systems to the U.S. government market, related in part to limited improvement in activity associated with previously delayed security projects with some U.S. federal agencies.

30-------------------------------------------------------------------------------- Table of Contents Sales in the Americas. Sales in the Americas were $35.8 million in the first nine months of 2012, accounting for 53% of total revenue and up 7% compared with $33.5 million in the first nine months of 2011. Sales of products and systems for employee ID programs within various U.S. government agencies comprise a significant proportion of our revenues in the Americas region, which also includes Canada and Latin America.

Sales of our Hirsch Identive access control systems in the Americas increased by approximately 3% in the first nine months of 2012 compared with the same period of 2011, primarily as a result of an increase in activity with certain U.S.

federal agencies, including a $1.7 million order from the Department of Justice recorded in the 2012 second quarter. As a general trend, U.S. federal agencies continue to be subject to security improvement mandates under programs such as Homeland Security Presidential Directive-12 ("HSPD-12") and reiterated in memoranda from the Office of Management and Budget ("OMB M-11-11"). We believe that our Hirsch Identive access control systems remain among the most attractive offerings in the market to help agencies move towards compliance with federal directives and mandates. During 2011, our sales of security systems to the U.S.

Government sector were negatively impacted by budget and funding delays. While increased project activity at some federal agencies in the first nine months of 2012 is a positive development, the outlook for our U.S. Government business remains uncertain in the near term, particularly as it is uncertain how the upcoming U.S. election may affect federal spending. To offset project and budget delays in the U.S. Government market, in recent quarters we have expanded our focus on the utility and enterprise sectors as well as on further developing our opportunities in international markets.

Smart card reader sales in the Americas increased 72% in the first nine months of 2012 compared with the same period of 2011, as a result of large orders from a few U.S. government agencies and broader, seasonally driven demand from the U.S. government sector as a whole to support cybersecurity and network access projects. This was partially offset by a 22% decrease in transponder sales in the Americas as various transportation projects slowed and expected orders were delayed.

Sales in Europe and the Middle East. Sales in Europe and the Middle East (EMEA) were $22.0 million in the first nine months of 2012, accounting for 32% of total revenue and down 28% from $30.6 million for the same period of 2011. A primary reason for this decrease was the $6.2 million revenue gap caused by the absence of new orders for readers and software to support the German national ID program, which were a significant component of our sales in 2011. This contributed to a 57% decrease in sales in our European ID Solutions business in the first nine months of 2012. European sales of smart card readers also were 46% lower in the first nine months of 2012 compared with the prior year, reflecting weakness in the market for European government programs including national ID, electronic health and other programs. Additionally, European sales of transponder products were 27% lower in the first nine months of 2012 compared with the same period of the prior year due to softness in some of our markets.

These factors were partially offset by approximately $5.1 million of incremental revenue from polyright and payment solution in the first nine months of 2012.

Sales in Asia/Pacific. Sales in the Asia/Pacific region were $10.1 million in the first nine months of 2012, accounting for 15% of total revenue and down 6% from $10.7 million the first nine months of 2011. The decrease was primarily due to a 36% decline in sales from our ID Solutions business in Australia, which experiences significant variability from period to period due to the timing of large program deployments for a small number of customers. Sales of transponder products also fell 18% in the first nine months of 2012 due to project delays from customers in the NFC mobile device and transportation sectors. These trends were partially offset by stronger sales of smart card reader products, including chipsets for PC applications and smart card readers to support telecommunications applications in China and Japan.

Looking forward, we believe demand will increase across our markets for products, systems and solutions that address emerging applications such as converged access control, NFC tag deployment and management, mobile payment schemes and ID programs for citizens, consumers and employees. The trends towards the convergence of cyber and physical access and the marriage of contactless payment technology with mobile devices are beginning to be realized and to drive new activity from governments, enterprises and consumer applications around the world. We believe that our unique portfolio of technology, products, solutions, systems and experience position Identive to address these emergent trends and benefit from their growth.

Seasonality and Other Factors. In our business overall, we may experience significant variations in demand for our products quarter to quarter, and overall we typically experience a stronger demand cycle in the second half of our fiscal year. Sales of our Hirsch Identive physical access control systems are subject to U.S. government budget cycles and are generally highest in the third quarter of each year. Sales of our smart card readers and chips for government programs are impacted by testing and compliance schedules of government bodies as well as roll-out schedules for application deployments, both of which contribute to variability in demand from quarter to quarter.

Further, sales of these products typically are subject to seasonality based on governmental budget cycles, with lowest sales in the first half, and in particular the second quarter of the year, and highest sales in the second half of each year. In our ID Solutions division, a variety of localized market factors including government budget cycles and retail demand cycles typically result in stronger demand in the second half of the year. This pattern is also true for our payment solutions business as sales activity in the German sports market is strongest in the second half of the year. In general, sales of our global transponder products also are typically marginally stronger in the second half of the year.

31 -------------------------------------------------------------------------------- Table of Contents Operating Expense Trends We have made and continue to make significant investments in the development of products and solutions to position the Company to benefit from the expected growth of the emerging markets for NFC, payment and cloud-based identity management, as further described below. As these markets do not yet offer significant revenue opportunities, our sales in these areas currently are relatively small and not yet able to compensate for the level of investment required to participate in these markets. In recent periods this has contributed significantly to our operational losses.

Our base operating expenses (research and development, sales and marketing, and general and administrative) increased 3% in the first nine months of 2012 compared with the same period of 2011. This increase was primarily due to a $3.5 million, or 9% increase in costs from idOnDemand, polyright and payment solution, partially offset by expense reductions taken under our 2012 restructuring plan as described below, and upon the completion of various development projects. Over the past several quarters, we have increased our investment in new solutions offerings and to develop our sales and marketing capabilities to address emerging opportunities within the secure identification market that we believe hold significant long-term potential for Identive. We have also reduced our spending on general and administrative expenses as part of an ongoing initiative to lower our operating costs.

In the area of research and development, we continue to make significant investments in technology and in specific solutions to address market opportunities with both new and existing customers. We have developed next-generation software, controllers and other products to reinforce and extend the customer base for our Hirsch Identive access control offering. To address the growing opportunities for NFC-enabled systems, we have developed a cloud-based NFC tag content management platform that provides business analytics for organizations seeking to create dynamic engagement with consumers and other groups, and we continue to invest in this platform. We also continue to invest in trusted identity solutions and capabilities for cloud-based credential issuance and management, and to enhance our cashless payment and ID software systems. On an ongoing basis, we invest in the development of new contactless readers, tokens and modules, new physical access readers to enable converged physical and logical/cyber access, and in the extension of our contactless platforms. In addition, we continue to invest in enhancing and broadening our RFID transponder inlay designs and technology in the areas of NFC, payment, tag on metal, card manufacturing and medical/pharmaceutical tracking applications.

Across our business we have a significant number of new patent applications and new inventions in process. We attempt to balance our investments in new technologies, products and services with careful management of our development resources so that our increased development activities do not result in unexpected or significant changes in our overall spending on research and development.

2012 Restructuring Plan While we remain committed to our strategy of investment in emerging markets, in June 2012, we announced a series of cost reduction measures designed to align our business operations with the current market and macroeconomic conditions.

Cost reduction measures include an 11% reduction in the Company's global workforce, acceleration of the elimination of duplicate expenses at newly acquired companies, reductions in other general and administrative expenses, the consolidation of facilities, and nearly $0.5 million of temporary reductions in executive and management salaries and Board fees. The remaining restructuring actions will be executed in the fourth quarter of 2012 and benefits are expected to accrue from 2013 onwards. These benefits will contribute to an annualized saving of $7.0 million.

Results of Operations The comparability of our operating results in the nine months ended September 30, 2012 with the nine months ended September 30, 2011 is impacted by our acquisition of idOnDemand on May 2, 2011, polyright on July 18, 2011 and payment solution on January 30, 2012. Results of the idOnDemand, polyright and payment solution businesses have been included since their respective acquisition dates.

32 -------------------------------------------------------------------------------- Table of Contents Revenue Beginning in the third quarter of 2012, we began to include the breakdown of our revenue by products and services. Summary information about our revenue by type and by business segment for the three and nine months ended September 30, 2012 and 2011 is shown below (in thousands): Three Months Ended % change Nine Months Ended % change September 30, period to September 30, period to 2012 2011 period 2012 2011 period Products: Revenues $ 18,663 $ 23,175 (19 %) $ 55,053 $ 63,950 (14 %) % of total revenue 81 % 87 % 81 % 86 % Gross profit 7,902 10,097 22,537 25,771 Gross profit % 42 % 44 % 41 % 40 % Services: Revenues $ 4,282 $ 3,577 20 % $ 12,954 $ 10,834 20 % % of total revenue 19 % 13 % 19 % 14 % Gross profit 1,818 1,733 5,521 5,653 Gross profit % 42 % 48 % 43 % 52 % Identity Management Segment: Revenues $ 13,833 $ 15,148 (9 %) $ 40,721 $ 42,248 (4 %) % of total revenue 60 % 57 % 60 % 56 % Gross profit 6,872 6,816 19,053 18,971 Gross profit % 50 % 45 % 47 % 45 % ID Products Segment: Revenues $ 9,112 $ 11,604 (21 %) $ 27,286 $ 32,536 (16 %) % of total revenue 40 % 43 % 40 % 44 % Gross profit 2,848 5,014 9,005 12,453 Gross profit % 31 % 43 % 33 % 38 % Total Revenues $ 22,945 $ 26,752 (14 %) $ 68,007 $ 74,784 (9 %) Gross profit 9,720 11,830 28,058 31,424 Gross profit % 42 % 44 % 41 % 42 % Total revenue for the third quarter of 2012 was $22.9 million, down 14% compared with $26.8 million for the third quarter of 2011. For the first nine months of 2012, revenue was $68.0 million, down 9% compared with $74.8 million for the first nine months of 2011. Lower revenue in both the third quarter and first nine months of 2012 primarily was due to decreased product sales in both our ID Products and Identity Management segments. Incremental revenue from acquired businesses was approximately $1.1 million and accounted for 5% of total revenue in the third quarter, and was $5.4 million, accounting for 8% of total revenue in the first nine months of 2012. Excluding the impact of this incremental revenue, organic revenue was 19% lower in the third quarter and 16% lower in the first nine months of 2012 compared with the same periods of 2011.

Services revenue includes sales of payment-related services, professional consulting services and annual maintenance contracts. Services have comprised a higher proportion of our revenues in the third quarter and first nine months of 2012 compared with the same periods of the prior year, primarily as a result of the addition of new payment-related and maintenance services revenue from our acquisitions of polyright and payment solution.

33-------------------------------------------------------------------------------- Table of Contents In our Identity Management segment we provide solutions and services that enable the secure management of credentials in diverse markets. Our Identity Management segment includes the operations of our Identity Management & Cloud Solutions division and our ID Solutions division, both of which specialize in the design and manufacturing of highly secure, integrated systems that can enhance security and better meet compliance and regulatory requirements while providing users the benefits and convenience of simple and secure solutions. The majority of sales in our Identity Management segment are made to customers in the government, education, enterprise and commercial markets and encompass vertical market segments including payment, healthcare, banking, industrial, retail and critical infrastructure. Because of the complex nature of the problems we address for our Identity Management customers, pricing pressure is not prevalent in this segment.

Revenue in our Identity Management segment was $13.8 million in the third quarter of 2012, down 9% from $15.1 million for the third quarter of 2011. For the first nine months of 2012, Identity Management revenue was $40.7 million, down 4% from $42.2 million in the first nine months of 2011. Results for the Identity Management segment included incremental revenue from idOnDemand, polyright and payment solution of $1.1 million in the third quarter and $5.4 in the first nine months of 2012. Excluding the impact of this incremental revenue, organic revenue was 16% lower in both the third quarter and first nine months of 2012 compared with the same periods of the prior year. The decrease in organic revenue primarily was due to the absence of new orders for secure IT kits for the German electronic ID program in our European ID Solutions business, which had accounted for $1.4 million of sales in the third quarter and $6.2 million of sales in the first nine months of 2011. Sales of Hirsch Identive access control systems remained stable in the third quarter and grew 6% in the first nine months of 2012 compared with the same periods of the prior year, despite continued budget and project delays from U.S. government customers.

In our ID Products segment we design and manufacture RFID products and components that are used for a number of identity-based and related applications in the government, enterprise, transportation and financial markets. Our ID Products segment includes sales of smart card and NFC readers and terminals, and RFID transponder products including RFID and NFC inlays, inlay-based cards, tags, labels and stickers. The majority of sales in our ID Products segment are made to original equipment manufacturers and system integrators, although an increasing proportion are sold directly to end customers. Sales in this segment are somewhat subject to pricing pressure, both for our transponder products and in the market for our smart card reader technology, which has been shifting away from external readers and towards lower-cost, embedded chip sets over the last several years.

Sales in our ID Products segment were $9.1 million in the third quarter of 2012, down 21% from sales of $11.6 million in the third quarter of 2011. For the first nine months of 2012, ID Products sales were $27.3 million, down 16% from $32.5 million for the first nine months of 2011. Both our smart card reader and transponder product sales were lower in the 2012 periods. Revenue from smart card readers was 16% lower in the third quarter and 11% lower in the first nine months of 2012 compared with the same periods of the prior year, as a result of decreased demand for smart card readers used in European government and citizen ID programs, partially offset by strong reader sales to the U.S. government sector. Transponder product sales fell 30% in the third quarter and 23% in the first nine months of 2012 compared with the same periods of the prior year, as a result of order delays with large mobile device and transportation customer projects. Some of these delayed projects began to move forward at the end of the third quarter.

Gross Profit Gross profit for the third quarter of 2012 was $9.7 million, or 42% of revenue, compared with $11.8 million, or 44% of revenue in the third quarter of 2011. For the first nine months of 2012, gross profit was $28.1 million, or 41% of revenue, compared to $31.4 million, or 42% of revenue for the first nine months of 2011.

By segment, gross profit margin for our Identity Management segment was $6.9 million, or 50% of revenue in the third quarter of 2012, compared with $6.8 million, or 45% of revenue in the third quarter of 2011. For the first nine months of 2012, Identity Management gross profit margin was 47%, compared to 45% for the first nine months of 2011. Favorable product mix in our Identity Management segment in the third quarter and first nine months of 2012 resulted in improved gross product margin.

Gross profit margin for our ID Products segment was $2.8 million, or 31% of revenue for the third quarter of 2012, compared to $5.0 million, or 43% of revenue in the third quarter of 2011. For the first nine months of 2012, ID Products gross profit margin was 33%, compared to 38% for the first nine months of 2011. Gross profit margin in our ID Products segment in the third quarter and first nine months of 2012 primarily was affected by weaker sales of transponder products, which resulted in lower absorption of overhead costs in our manufacturing facilities.

34 -------------------------------------------------------------------------------- Table of Contents We expect there will be some variation in our gross profit from period to period, as our gross profit has been and will continue to be affected by a variety of factors, including, without limitation, competition, the volume of sales in any given quarter, manufacturing volumes, product configuration and mix, the availability of new products, product enhancements, software and services, risk of inventory write-downs and the cost and availability of components.

Research and Development Expenses Three months ended % change Nine months ended % change September 30, period to September 30, period to (In thousands) 2012 2011 period 2012 2011 period Expenses $ 2,019 $ 2,286 (12 )% $ 6,894 $ 4,823 43 % Percentage of total revenues 9 % 9 % 10 % 6 % Research and development expenses consist primarily of employee compensation and fees for the development of hardware, software and firmware products. We focus the bulk of our research and development activities on the continued development of existing products and the development of new offerings for emerging market opportunities. Due to the timing of their respective acquisitions, no results for the payment solution business are included in research and development expenses for the first nine months of 2011, only five months of results for 2011 (May-September) are included for idOnDemand, and only two months of results for 2011 (August-September) are included for polyright.

Research and development expenses in the third quarter of 2012 were $2.0 million, or 9% of revenue, compared with $2.3 million, or 9% of revenue in the third quarter of 2011, a decrease of 12% as a result of decreased spending on projects nearing completion and lower spending in line with our cost reduction plan. For the first nine months of 2012, research and development expenses were $6.9 million, representing 10% of revenue and up 43% from $4.8 million, or 6% of revenue for the first nine months of 2011. Research and development expenses included $1.1 million from idOnDemand, polyright and payment solution in the first nine months of 2012; however there were no incremental expenses from acquired companies in the third quarter of 2012. Excluding the impact of acquisitions, research and development expenses increased 21% in the first nine months of 2012 compared with the same period of 2011. Beginning in the third quarter of 2011, we significantly increased our investment in core technology and new products and solutions for emerging markets. Key investment areas include the development of credential issuance and management solutions offered as "Identity as a Service," our cloud-based NFC tag content management platform, software enhancements in our ID Solutions offerings, and new contactless, NFC and RFID readers and transponder products.

In the next few quarters we expect similar reduced levels of investment in research and development as we benefit from the effect of our cost reduction initiatives. In the future, our research and development expenses will vary according to project demands and the markets we target.

Selling and Marketing Expenses Three months ended % change Nine months ended % change September 30, period to September 30, period to (In thousands) 2012 2011 period 2012 2011 period Expenses $ 5,440 $ 6,198 (12 )% $ 18,978 $ 17,432 9 % Percentage of total revenues 24 % 23 % 28 % 23 % Selling and marketing expenses consist primarily of employee compensation as well as tradeshow participation, advertising and other marketing and selling costs. We focus a significant proportion of our sales and marketing activities on new and emerging market opportunities. Due to the timing of their respective acquisitions, no results for the payment solution business are included in sales and marketing expenses for the first nine months of 2011, only five months of results for 2011 (May-September) are included for idOnDemand, and only two months of results for 2011 (August-September) are included for polyright.

Selling and marketing expenses in the third quarter of 2012 were $5.4 million, or 24% of revenue, compared with $6.2 million, or 23% of revenue in the third quarter of 2011, a decrease of 12%. For the first nine months of 2012, sales and marketing expenses were $19.0 million, representing 28% of revenue, an increase of 9% from $17.4 million, or 23% of revenue for the first nine months of 2011.

Selling and marketing expenses included $0.1 million and $1.0 million from idOnDemand, polyright and payment solution in the third quarter and first nine months of 2012, respectively. Excluding the impact of these additional expenses, selling and marketing expenses were 15% lower in the third quarter of 2012 and 3% higher in the first nine months of 2012 compared with the same periods of 2011. Higher selling and marketing expenses in the first nine months of 2012 reflect investments in additional resources and programs to address existing and new market opportunities, including new sales teams focused on NFC solutions and converged access products, for which we expect future sales, but minimal revenues during 2012. Lower expenses in the third quarter of 2012 reflect initial results from the cost reduction program implemented in June 2012.

35-------------------------------------------------------------------------------- Table of Contents We expect modest reductions in our investment in selling and marketing as a percentage of sales in the next quarter.

General and Administrative Expenses Three months ended % change Nine months ended % change September 30, period to September 30, period to (In thousands) 2012 2011 period 2012 2011 period Expenses $ 4,603 $ 5,984 (23 )% $ 14,537 $ 16,958 (14 )% Percentage of total revenues 20 % 22 % 21 % 23 % General and administrative expenses consist primarily of compensation expenses for employees performing administrative functions, and professional fees arising from legal, auditing and other consulting services. Due to the timing of their respective acquisitions, no results for the payment solution business are included in general and administrative expenses for the first nine months of 2011, only five months of results for 2011 (May-September) are included for idOnDemand, and only two months of results for 2011 (August-September) are included for polyright.

In the third quarter of 2012, general and administrative expenses were $4.6 million, or 20% of revenue, compared with $6.0 million, or 22% of revenue in the third quarter of 2011, a decrease of 23%. For the first nine months of 2012, general and administrative expenses were $14.5 million, representing 21% of revenue and down 14% from $17.0 million, or 23% of revenue for the first nine months of 2011. General and administrative expenses included $0.1 million and $1.4 million from idOnDemand, polyright and payment solution in the third quarter and first nine months of 2012, respectively. Also reflected in general and administrative expenses in the first nine months of 2012 were approximately $0.2 million of transaction expenses related to the acquisition of the remaining shares of idOnDemand and acquisition of payment solution. Excluding the impact of these additional expenses and including credits of approximately $1.0 million to reverse incentive bonus accruals in the second quarter of 2012, general and administrative expenses were 25% lower in the third quarter and 18% lower in the first nine months of 2012 compared with the same periods of 2011 as a result of ongoing efforts to reduce general and administrative expenses which were accelerated with our cost reduction program put in place in the second quarter of 2012.

With reduced incentive accruals and the benefits of accelerated restructuring programs, we expect modest decreases in general and administrative expenses in absolute dollars and as a percentage of overall revenue during the remainder of 2012.

36 -------------------------------------------------------------------------------- Table of Contents Impairment Charges During the second quarter of 2012, as a result of a significant decline in our stock price and changes to our future forecasted revenue, gross margin and operating profit, we undertook interim goodwill impairment analyses in connection with our quarterly close as of June 30, 2012. Due to the length of time necessary to measure impairment of goodwill, our analysis was not completed as of the time of the filing of our second quarter Form 10-Q and we reported a preliminary impairment charge of $21.4 million in the second quarter ended June 30, 2012, The goodwill impairment analysis was subsequently completed during the 2012 third quarter and resulted in an additional goodwill impairment charge of approximately $5.0 million being recorded during the three months ended September 30, 2012, for a total goodwill impairment charge of $26.4 million during the nine months ended September 30, 2012.

In conjunction with our goodwill impairment test, we also tested our long-lived assets for impairment and adjusted the carrying value of each asset group to its fair value and recorded the associated impairment charge of $24.8 million in our condensed consolidated statements of operations, of which $23.9 million was recorded in the second quarter and $0.9 million was recorded in the third quarter of 2012. Please see Note 9, Goodwill and Intangible Assets, for more detailed information.

Restructuring Charges Restructuring charges of $0.3 million in the first nine months of 2012 relate to the realignment of certain business operations under our 2012 restructuring plan, implemented in June 2012.

Remeasurement of Contingent Consideration For the first nine months of 2012, a credit of $5.7 million was recorded for reductions to the amount of performance-based earn-outs payable related to the polyright and idOnDemand acquisitions, following the remeasurement of this contingent consideration as of June 30, 2012. Please see Note 4, Fair value Measurements, for more detailed information.

Other Income (Expense) Other income (expense) of $23,000 recorded in the third quarter of 2012 related to insurance reimbursement on lost shipments for a subsidiary, and other expense of $(0.2) million recorded in the first nine months of 2012 related to the loss recognized on the sale of a subsidiary. Other income of $25,000 recorded in the 2011 third quarter and $0.3 million recorded in the first nine months of 2011 related to a dividend distribution made by SCM PC-Card GmbH in which we had made an investment in 1998, which was written off in prior periods. The dividend distribution was made as a result of the entity's plan to close its operations.

Interest Expense, Net Interest expense, net of $0.4 million and $1.0 million in the third quarter and first nine months of 2012, respectively, and interest expense, net of $0.2 million and $0.8 million in the third quarter and first nine months of 2011, respectively, consists of interest accretion expense for a liability to a related party in the Hirsch business and interest paid on financial liabilities, offset by interest earned on invested cash during the respective periods.

Foreign Currency Losses, Net Foreign currency losses were $29,000 and $0.1 million in the third quarter and first nine months of 2012, respectively. Foreign currency losses were $0.6 and $0.4 million in third quarter and first nine months of 2011, respectively.

Changes in currency valuation in the periods presented mainly were the result of exchange rate movements between the U.S. dollar and the Euro, Swiss Franc, and the British pound and their impact on the valuation of intercompany transaction balances. Accordingly, they are predominantly non-cash items.

37-------------------------------------------------------------------------------- Table of Contents Income Taxes We recorded a provision for income taxes of $15,000 and $0.1 million for the three and nine months ended September 30, 2012, respectively, reflecting an effective tax rate of 33% for the nine months ended September 30, 2012. In addition, during the third quarter and first nine months of 2011, we recorded a net provision for income taxes of $0.1 million and a net benefit for income taxes of $1.6 million respectively, which resulted primarily from accounting treatment following the acquisition of idOnDemand. In connection with the acquisition of idOnDemand, we recorded deferred tax liabilities of $1.5 million, which were netted against the Company's existing deferred tax assets. As a result the Company released valuation allowance of $1.5 million in the second quarter of 2011. This tax benefit was offset by estimated tax expense of $0.2 million on deemed income upon an intra-group sale of one of the Company's subsidiaries, as the sales price was less than the fair market value of the subsidiary.

The effective tax rates for the nine-month periods ended September 30, 2012 and September 30, 2011, differ from the federal statutory rate of 34% primarily due to the benefit of earnings in foreign jurisdictions, which are subject to lower tax rates, and the ratio of taxable earnings in foreign jurisdictions to taxable earnings in the U.S.

Liquidity and Capital Resources As of September 30, 2012, our working capital, which we have defined as current assets less current liabilities, was approximately ($2.2) million, compared to approximately $16.7 million as of December 31, 2011, a decrease of approximately $18.9 million. The decrease in working capital for the nine months ended September 30, 2012 reflects a $10.9 million decrease in cash and cash equivalents, a $0.2 million net decrease in accounts receivable, a $3.4 million increase in accounts payable, a $5.6 million additional liability for unclaimed consumer cards from the acquired payment solution business, a $1.0 million increase in deferred revenue, an aggregate $1.6 million increase in liability to related party and financial liabilities, and an aggregate $1.8 million increase in accrued compensation and other accrued expenses and liabilities, offset by a $2.0 million increase in restricted cash, a $1.6 million increase in inventories and $2.0 million increase in prepaids and other current assets.

Cash and cash equivalents were $6.3 million as of September 30, 2012, a decrease of approximately $10.9 million compared to $17.2 million as of December 31, 2011, mainly as a result of cash of $6.9 million used in operations, a cash payment of approximately $0.5 million for the acquisition of the remaining outstanding shares of idOnDemand, approximately $1.7 million used for capital expenditures, $1.3 million cash payments on financial liabilities, $1.3 million restricted cash related to a factoring arrangement, and $0.7 million restricted cash deposited for capital expenditure, offset by an acquired cash balance of $0.6 million from the acquisition of payment solution, a $0.1 million change in bank line of credit, $0.3 million cash proceeds from the issuance of common stock under our employee stock purchase plan and an exchange rate effect of $0.5 million on cash and cash equivalents. The following summarizes our cash flows for the nine months ended September 30, 2012 and 2011 (in thousands): Nine Months Ended September 30, 2012 2011Cash used in operating activities from continuing operations $ (6,911 ) $ (5,529 ) Cash used in investing activities (2,333 ) (6,051 ) Cash (used in) provided by financing activities (2,207 ) 17,881 Effect of exchange rate changes on cash and cash equivalents 503 620 Increase (decrease) in cash and cash equivalents (10,948 ) 6,921 Cash and cash equivalents at beginning of period 17,239 10,799 Cash and cash equivalents at end of period $ 6,291 $ 17,720 Significant commitments that will require the use of cash in operating activities in future periods include obligations under operating leases, liability to related party, inventory purchase commitments and other contractual agreements and financial liabilities, including bank loan, debt note, mortgage bank loan and equipment financing liabilities. At September 30, 2012, gross committed lease obligations were approximately $4.1 million, equipment financing liabilities and bank loan were approximately $4.3 million, the mortgage bank loan was approximately $0.8 million, the debt note was approximately $0.6 million, liability to related party was approximately $8.6 million and inventory purchase commitments and other purchase commitments were approximately $12.7 million. Total commitments due for the remainder of fiscal 2012 were approximately $13.1 million and commitments due thereafter were approximately $18.0 million at September 30, 2012.

The cash used in investing activities primarily reflects cash payment of approximately $0.5 million for the acquisition of the non-controlling interest in idOnDemand, approximately $1.7 million spent for capital expenditures, and $0.7 million restricted cash deposited for capital expenditure, offset by $0.6 million cash acquired from the acquisition of payment solution.

Cash used in financing activities primarily reflects $1.3 million paid for financial liabilities, which consist of equipment financing liabilities, bank loan, and debt note, and $1.3 million restricted cash related to a factoring arrangement, offset by $0.3 million cash proceeds from issuance of common stock under employee stock purchase plan and $0.1 million net change in bank line of credit.

38 -------------------------------------------------------------------------------- Table of Contents We have historically incurred operating losses and negative cash flows from operating activities. As of September 30, 2012, we have total accumulated deficit of approximately $291 million. During the nine months ended September 30, 2012 and 2011, we sustained consolidated net losses of $59.5 million and $7.4 million, respectively. Our working capital reduced significantly as of September 30, 2012 compared with December 31, 2011. We expect to use a significant amount of cash in our operations over the next twelve months for our operating activities and servicing of financial liabilities, including investment in new technologies in anticipation of future significant revenues following wider adoption of these products and services.

These investments are in the area of research and development and sales and marketing for solutions based on NFC, cloud-based identity management ("Identity as a Service") and our SmartCore card manufacturing technology. Our current plan anticipates increased revenues and improved profit margins for the twelve-month period, which we expect will reduce the levels of cash required for our operating activities as compared to historical levels. In addition, we are in the process of improving our working capital, including reduction in the levels of accounts receivable and discussion with several key suppliers to further reduce the levels of inventory and improve payment terms. On October 30, 2012, the Company signed an agreement for a term loan in aggregate principal amount of up to $10.0 million and received an initial advance in the aggregate principal amount of $7.5 million. Based on our current projections and estimates, we believe our current capital resources, including existing cash, cash equivalents, anticipated cash flows from operating activities, savings from our continued cost reduction activities, and available borrowings, should be sufficient to meet our operating and capital requirements through at least the next twelve months.

Our plans may be adversely impacted if we fail to realize our assumed levels of revenues and expenses or savings from our cost reduction activities, or fail to meet required financial covenants under our loan agreement. If these events occur, we may need to delay, reduce the scope of, or eliminate one or more of our development programs or obtain funds through collaborative arrangements with others that may require us to relinquish rights to certain of our technologies, or programs that we would otherwise seek to develop or commercialize ourselves, and to reduce personnel related costs. We may resort to contingency plans to make these needed cost reductions upon determination that funds will not be available in a timely matter. These contingency plans include consolidating certain functions, including integration of newly acquired entities into the group and elimination of duplicate general and administration expenses by expanding the scope of shared services in the Americas and European regions. We may also need to raise additional funds through additional debt or equity financings. The sale of additional debt or equity securities may cause dilution to existing stockholders. There can be no assurance that we will be able to raise such funds if and when they are required. Failure to obtain future funding when needed or on acceptable terms would adversely affect our ability to fund operations.

Contractual Obligations The following summarizes expected cash requirements for contractual obligations as of September 30, 2012 (in thousands): Less than 1 More Than Total Year 1-3 Years 3-5 Years 5 Years Operating leases $ 4,058 $ 2,356 $ 1,453 $ 249 $ - Equipment financing liabilities 2,590 754 1,836 - - Bank loan 1,758 419 670 669 Liability to related party 8,554 1,557 2,405 2,651 1,941 Debt note 626 626 - - - Mortgage loan payable to bank 779 55 110 110 504 Purchase commitments and other obligations $ 12,706 12,356 325 25 - Total obligations $ 31,071 $ 18,123 $ 6,799 $ 3,704 $ 2,445 The Company excluded of $0.9 million as it relates to uncertain tax positions from contractual obligations table because we are unable to make reasonable estimates of the period of cash settlement with the respective taxing authority.

See Note 16 of Notes to condensed consolidated financial statements for more information about the contractual obligations listed in the table above.

39-------------------------------------------------------------------------------- Table of Contents Critical Accounting Policies and Estimates Our consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America ("U.S.

GAAP"). The preparation of these financial statements requires management to establish accounting policies that contain estimates and assumptions that affect the amounts reported in the consolidated financial statements and accompanying notes. These policies relate to revenue recognition, inventory, income taxes, goodwill, long-lived assets and stock-based compensation.

We have other important accounting policies and practices; however, once adopted, these other policies either generally do not require us to make significant estimates or assumptions or otherwise only require implementation of the adopted policy and not a judgment as to the policy itself. Management bases its estimates and judgments on historical experience and on various other factors that are believed to be reasonable under the circumstances, the results of which form the basis for making judgments about the carrying values of assets and liabilities that are not readily apparent from other sources. Despite our intention to establish accurate estimates and assumptions, actual results may differ from these estimates under different assumptions or conditions.

During the nine months ended September 30, 2012, management believes there have been no significant changes to the items that we disclosed as our critical accounting policies and estimates in Management's Discussion and Analysis of Financial Condition and Results of Operations in our Annual Report on Form 10-K for the year ended December 31, 2011, except that our revenue recognition policy was updated to include additional information concerning our revenue recognition policy with regard to multi-functional customer cards based on RFID contactless chips. Below is our current revenue recognition policy as updated to include this information: Revenue Recognition - Revenue is recognized when all of the following criteria have been met: • Persuasive evidence of an arrangement exists. We generally rely upon sales contracts or agreements, and customer purchase orders to determine the existence of an arrangement.

• Delivery has occurred. We use shipping terms and related documents, or written evidence of customer acceptance, when applicable, to verify delivery or performance.

• Sales price is fixed or determinable. We assess whether the sales price is fixed or determinable based on the payment terms and whether the sales price is subject to refund or adjustment.

• Collectability is reasonably assured. We assess collectability based on creditworthiness of customers as determined by credit checks and customer payment histories. We record accounts receivable net of allowance for doubtful accounts, estimated customer returns, and pricing credits.

In 2011, we adopted the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") No. 2009-13, Revenue Recognition (Topic 605)-Multiple-Deliverable Revenue Arrangements ("ASU 2009-13"). ASU 2009-13 changes the requirements for establishing separate units of accounting in a multiple element arrangement and eliminates the residual method of allocation and requires the allocation of arrangement consideration to each deliverable to be based on the relative selling price. The relative selling price method allocates any discount in the arrangement proportionately to each deliverable on the basis of the deliverable's estimated fair value. Concurrently with issuing ASU 2009-13, the FASB also issued ASU No. 2009-14, Software (Topic 985)-Certain Revenue Arrangements That Include Software Elements ("ASU 2009-14") which amends the scope of software revenue guidance in Accounting Standards Codification ("ASC") Subtopic 985-605, Software-Revenue Recognition ("ASC 985-605"), to exclude tangible products containing software and non-software components that function together to deliver the product's essential functionality. ASU 2009-14 provides that tangible products containing software components and non-software components, which function together to deliver the tangible product's essential functionality, are no longer within the scope of the software revenue guidance in ASC 985-605 and should follow the guidance in ASU 2009-13 for multiple-element arrangements. All non-essential and standalone software components will continue to be accounted for under the guidance of ASC 985-605.

ASU 2009-13 and ASU 2009-14 are effective prospectively for revenue arrangements entered into or materially modified in fiscal years beginning on or after June 15, 2010. We prospectively adopted the provisions of ASU 2009-13 and ASU 2009-14 effective January 1, 2011. Our revenue is derived primarily from sales of hardware products and services, and to a lesser extent, from the license of proprietary software products and software components in revenue arrangements that are considered standalone. As a result, ASU 2009-14 did not have any impact and revenues from such software products will continue to be recognized under the guidance of ASC 985-605. We cannot reasonably estimate the effect of adopting these standards on future financial periods as the impact will vary depending on the nature and volume of new or materially modified deals in any given period.

40 -------------------------------------------------------------------------------- Table of Contents ASU 2009-13 establishes a selling price hierarchy for determining the selling price of a deliverable in revenue arrangements. The revenue is generated from sales to direct end-users and to distributors. When a sales arrangement contains multiple elements and software and non-software components function together to deliver the tangible products' essential functionality, we allocate revenue to each element based on a selling price hierarchy. The selling price for a deliverable is based on its vendor-specific objective evidence ("VSOE") if available, third-party evidence ("TPE") if VSOE is not available, or estimated selling price ("ESP") if neither VSOE nor TPE is available. We then recognize revenue on each deliverable in accordance with our policies for product and service revenue recognition. VSOE of selling price is based on the price charged when the element is sold separately. TPE of selling price is established by evaluating largely interchangeable competitor products or services in stand-alone sales to similarly situated customers. The best estimate of selling price is established considering multiple factors, including, but not limited to, pricing practices in different geographies and through different sales channels, gross margin objectives, internal costs, competitor pricing strategies and industry technology lifecycles. Some of our products contain a significant element of proprietary technology and our solutions offer substantially different features and functionality; as a result, the comparable pricing of products with similar functionality typically cannot be obtained. Additionally, as we are unable to reliably determine what competitors products' selling prices are on a stand-alone basis, we are not typically able to determine TPE for such products. Therefore ESP is used for such products in the selling price hierarchy for allocating the total arrangement consideration.

We evaluate each deliverable in an arrangement to determine whether they represent separate units of accounting in accordance with the provisions of ASU 2009-13. Certain sales arrangements of our hardware products are bundled with our professional services and maintenance contracts, and in some cases with our software products. Professional services include security system integration, system migration, database conversion services and other services. In such multiple element arrangements, revenue is allocated to each separate unit of accounting for each of the non-software deliverables and to the software deliverables using the relative selling prices of each of the deliverables in the arrangement based on the aforementioned selling price hierarchy. Allocation of the consideration is determined at arrangement inception on the basis of each unit's relative selling price. We account for software sales in accordance with ASC 985-605 and hardware sales in accordance with ASU 2009-13, when all the revenue recognition criteria noted above have been met. The revenue from professional services contracts is recognized upon completion of such services and upon acceptance from the customer, if applicable. The revenue from maintenance contracts is deferred and amortized ratably over the period of the maintenance contracts. Certain sales arrangement contains hardware, software and professional service elements where professional services are essential to the functionality of the hardware and software system and a test of the functionality of the complete system is required before the customer accepts the system. As a result, hardware, software and professional service elements are accounted for as one unit of accounting and revenue from these arrangements is recognized upon completion of the project.

In certain revenue arrangements, we facilitate cashless payments by providing integrated payment system for sports stadiums, arenas, theme parks and other venues for leisure and entertainment ("recreational facilities") throughout Europe. For these facilities, we provide multi-functional customer cards based on RFID contactless chip technology ("smart cards" or "cards") and comprehensive management software as a part of an integrated cashless payment system (the "system") that ensures the seamless interaction of all relevant components such as ticketing, access, point-of-sale, parking, etc. The system consists of comprehensive payment management software, smart cards, readers and communication infrastructure, all supplied and implemented by us. Our system enables consumers at sporting and similar events to make quick, cashless payments for food, beverages and merchandise. We offer our customers the option of purchasing of a turnkey solution or entering into a multi-year contract under which we continue to operate and maintain responsibility for the cashless payment system over a set period, in return for sharing in the revenue generated at various events held in the stadiums or other venues. We also provide cards which are used by the end consumers to buy food, beverages and merchandise during their visits to recreational facilities. Consumers pay a deposit fee on the cards and then may load money onto the cards to enable purchases. There may be an unredeemed balance on the cards at any given time. Revenues from unredeemed balance on cards are recognized when the likelihood of the card being redeemed by the customer is remote ("card breakage income"). Although there are expiration dates on the cards, our practice has been to honor all cards presented for payment or redemption. We do not charge any service fees that cause a decrement to card balances. While we expect to continue to honor all cards presented for payment, management may determine the likelihood of redemption to be remote for certain cards due to, among other things, long periods of inactivity. We determine our card breakage rate based upon historical redemption patterns. Based on our historical information, we make a determination of the likelihood of a card remaining unredeemed 12 months after the card is issued. At that time, we recognize breakage income for those cards for which the likelihood of redemption is deemed remote. Card breakage income is included in revenue in our condensed consolidated statements of operations.

Recent Accounting Pronouncements See Note 2, Summary of Significant Accounting Policies, in the Notes to condensed consolidated financial statements in Item 1 of Part I of this Quarterly Report on Form 10-Q, for a full description of recent accounting pronouncements, including the actual and expected dates of adoption and estimated effects on our consolidated results of operations and financial condition, which is incorporated herein by reference.

41-------------------------------------------------------------------------------- Table of Contents

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