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                                                                   Exhibit 10.23


                      INTANGIBLE PROPERTY LICENSE AGREEMENT

         THIS AGREEMENT is entered into this as of July 21, 1999 (the "Effective
Date"), by and between DVA Inc., a Nevada corporation, with its principal
business address at Suite 4, 2255-A Renaissance Drive, Las Vegas, NV 89119
("Licensor") and Divico Inc., a Delaware corporation, with its principal
business address at One Great Valley Parkway, Malvern, Pennsylvania 19355
("Licensee").

                                   WITNESSETH:

         WHEREAS, Licensor is the owner of all right, title and interest in
certain intangible property to this Agreement and know-how relating to Products
(defined below as the "Intangible Property");

         WHEREAS, Licensee desires to use the Intangible Property within the
Territory;

         WHEREAS, Licensor is willing to grant to Licensee the right and license
to use the Intangible Property subject to the terms and conditions of this
Agreement, and Licensee is willing to accept such rights and obligations;

         NOW THEREFORE, in consideration of the mutual covenants and conditions
contained herein and intending to be legally bound, the parties hereby agree as
follows.

                                    ARTICLE I

                                   DEFINITIONS

         SECTION 1.1 AFFILIATE OR AFFILIATES. "Affiliate" or "Affiliates" shall
mean any corporation, firm, partnership, or other entity, whether de jure or de
facto, that directly or indirectly owns, is owned by, or is under common
ownership with a party to this Agreement to the extent of at least 50 percent of
the equity having the power to vote on or direct the affairs of
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the entity and any person, firm, partnership, corporation, or other entity
actually controlled by, controlling, or under common control with a party to
this Agreement.

         SECTION 1.2. EFFECTIVE DATE. "Effective Date" is as defined immediately
prior to the Recitals at the beginning of this Agreement.

         SECTION 1.3. IMPROVEMENTS. "Improvements" shall mean any findings,
discoveries, inventions, additions, modifications, formulations, derivative
works, or changes made by either Licensor or Licensee during the term of this
Agreement that relate to Products, including, without limitation, improvements
in the manufacturing process for Product.

         SECTION 1.4. INTANGIBLE PROPERTY. "Intangible Property" shall mean all
current and future intellectual property rights of Licensor, including without
limitation, all trademarks, service marks, patents, mask works, Know-How,
copyrights, and similar proprietary rights.

         SECTION 1.5 KNOW-HOW. "Know-How" shall mean any and all technical
information presently available or generated during the term of this Agreement
that relates to Products or Improvements and shall include, without limitation,
all trade secrets, formulae, manufacturing data and other information relating
to Products or Improvements and useful for the development, manufacture, or
effectiveness of Product.

         SECTION 1.6. LICENSEE. "Licensee" shall mean Divico Inc. and its
Affiliates.

         SECTION 1.7. LICENSOR, "Licensor" shall mean DVA Inc.

         SECTION 1.8. NET SALES. "Net Sales" shall mean the gross receipts from
sales of Product in the Territory by Licensee to Third Parties less customary
deductions, including (a) transportation charges, including insurance; (b)
sales, excise taxes, customs, duties, tariffs, and any other governmental
charges imposed on the production, importation, exportation, use, or sale

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of Product; (c) quantity and cash discounts allowed: (d) returns; and (e)
allowances of credits to customers.

         SECTION 1.9. PRODUCT. "Product" shall mean any and all products
(including but not limited to software and hardware designs) acquired,
developed, made, used, sold or licensed by Licensee utilizing, incorporating or
comprising the Intangible Property.

         SECTION 1.10. TERRITORY. "Territory" shall mean the world.

         SECTION 1.11. THIRD PARTY OR THIRD PARTIES. "Third Party" or "Third
Parties" shall mean any entity other than a party to this Agreement or an
Affiliate.

         SECTION 1.12. YEAR. "Year" shall mean the Calendar year ending December
31.

                                   ARTICLE II

                    GRANT OF RIGHT TO USE INTANGIBLE PROPERTY

         SECTION 2.1 GRANT BY LICENSOR. Subject to the terms and conditions of
this Agreement, Licensor grants to Licensee the right and license under any and
all Intangible Property of Licensor to (i) make, have made, use, offer for sale,
sell, license and otherwise dispose of any current of future Products; (ii)
make, have made, use, offer for sale, sell, license and otherwise dispose of
modifications and derivatives of Products; and (iii) copy, use, develop, modify
and otherwise commercially exploit the Intangible Property.

         SECTION 2.2. ASSIGNMENT BACK OF IMPROVEMENTS. Licensee agrees that as
and when Licensee: (a) Creates, acquires or otherwise makes any Improvements; or
(b) Acquires or develops any rights in any intellectual property other than the
Intangible Property (including but not limited to trademarks, service marks,
patents, mask works, know-how (including "Know-How"), copyrights, and similar
proprietary rights), then Licensee shall automatically be deemed to have
assigned all such proprietary rights in such Improvements or intellectual
property to Licensor.

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The parties agree that either party will execute such reasonable documentation
from time to time to memorialize or to confirm such assignment of such rights.

         SECTION 2.3. QUALITY

            a. Product sold by Licensee shall meet the quality control standards
and specifications established form time-to-time by Licensor, including any
requirements of applicable regulatory agencies in the Territory. Licensor shall
have the right, at its expense, to audit Licensee's quality control of Product
from time-to-time on a reasonable basis and on reasonable prior notice to
Licensee.

            b. In the event that quality control of Licensee falls below
Licensor's standards and specifications, Licensor shall give Licensee written
notice of such failures, and Licensee shall, at its expense and within the
reasonable notice period set out in the notice, take such corrective actions as
is necessary to restore quality to the appropriate level.

            c. The parties agree that all goodwill associated with Licensee's
use of any trademarks, service marks or trade dress comprising the Intangible
Property shall inure to the benefit of Licensor.

                                   ARTICLE III

                                 ROYALTY PAYMENT

         SECTION 3.1. COMPENSATION.

            a. ROYALTY RATE. Subject to Section 3.2 of this Article III, as
consideration for the rights granted under this Agreement, with respect to the
intangible property and the know-how Licensee shall pay to Licensor a royalty of
five percent (5%) of Licensee's Net Sales of Product in the Territory.

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            b. NET ROYALTY. The parties hereby acknowledge and agree that the
Royalty rate specified in Section 3.1.a is a net royalty rate, which accounts
not only for the royalty associated with the intellectual property licensed
hereunder, but also accounts for the consideration from Licensee to Licensor in
connection with Licensee's development of, and assignment to, Licensor of
Improvements under Section 2.2.

         SECTION 3.2. PERIODIC ADJUSTMENT. The rate of the royalty set forth in
Section 3.1 of this Article III may be reviewed periodically by the parties to
provide that it continues to reflect the arm's-length value of the rights
granted to Licensee under the terms of this Agreement. If any change to the
royalty rate is determined by the mutual agreement of the parties to be
appropriate for this purpose, then an appropriate amendment to this Agreement
shall be executed by the parties, as provided in Section 9.4 of this Agreement.
Such periodic adjustments may be retroactive, as determined jointly by the
parties.

         SECTION 3.3. PAYMENT AND ACCOUNTING. Royalties due to Licensor shall be
due and payable by Licensee on a calendar quarter basis, payable no later than
the 30th day following the end of each calendar quarter of a Year. Such payment
shall be accompanied by a written accounting of all Product sold by Licensee
during such quarter (the "Royalty Notice").

         SECTION 3.4. CURRENCY. All royalties due under this Agreement shall be
payable in United States dollars.

         SECTION 3.5. WITHHOLDING TAXES AND RELATED MATTERS. Any withholding or
related tax or other obligations relating to the payments due under the terms of
this Agreement shall be complied with by Licensee, shall be reflected in the
Royalty Notice, and shall not alter the amount of the obligation of Licensee
under this Article III.

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         SECTION 3.6. NET SALES DATA. Licensee shall maintain complete and
accurate records of all Net Sales of Product. Licensor shall have the right, at
its expense and on a reasonable basis with reasonable prior written notice to
Licensee, to examine such records during regular business hours during the term
of this Agreement and for 6 months after termination of this Agreement.

                                   ARTICLE IV

                   EXCHANGE OF INFORMATION AND CONFIDENTIALITY

         SECTION 4.1 KNOW-HOW. During the term of this Agreement, the parties
shall promptly disclose to one another all of their respective Know-How.

         SECTION 4.2 IMPROVEMENTS. During the term of this Agreement, each party
shall promptly inform the other party of any information that it obtains or
develops regarding Products and Improvements.

         SECTION 4.3 CONFIDENTIALITY. During the Term of this Agreement, and for
a period from twenty (20) years from the date of expiration or termination of
this Agreement, each party (the "Receiving Party") shall treat this Agreement,
Know-How, Intangible Property, Improvements, and all information, data, reports,
and other records that it receives from the other party (the "Disclosing Party")
as secret, confidential, and proprietary and shall not disclose or use such
information without the prior written consent of the Disclosing Party except as
provided in this Agreement. The Receiving Party shall develop and implement such
procedures as may be required to prevent the intentional or negligent disclosure
to Third Parties of confidential information communicated to the Receiving Party
and its employees having access to such information under this Agreement to
enter into an appropriate secrecy agreement with the Receiving Party.

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         Nothing in this Agreement shall prevent the disclosure by the Receiving
Party or its employees of confidential information that:

            a. Prior to the transmittal thereof to the Receiving Party was of
general public knowledge; or becomes, subsequent to the time of transmittal to
the Receiving Party, a matter of general public knowledge otherwise than as a
consequence of a breach by the Receiving Party of any obligation under this
Agreement; or is made public by the Disclosing Party; or

            b. was in the possession of the Receiving Party prior to the time of
disclosure thereof to the Receiving Party by the Disclosing Party, and is held
by the Receiving Party free of any obligation of confidence to the Disclosing
Party or any third part; or

            c. is received in good faith from a Third Party having the right to
disclose it, who, to the best of the Receiving Party's knowledge, did not obtain
the same from the Disclosing Party and who imposed no obligations of secrecy on
the Receiving Party with respect to such information.

                                    ARTICLE V

                         WARRANTIES AND REPRESENTATIONS

         SECTION 5.1. LICENSOR. Licensor warrants that

         a. It owns the exclusive right, title, and interest in the Intangible
Property,

            b. Each Intangible Property is valid and enforceable;

            c. Use of any Intangible Property does not infringe any rights of
Third Parties; and

            d. It has the right and authority to enter into this Agreement.

         SECTION 5.2. LICENSEE. Licensee warrants that it has the right and
authority to enter into

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this Agreement.

                                   ARTICLE VI

                                 INDEMNIFICATION

         Licensor shall indemnify, hold harmless, and defend Licensee from and
against any loss, cost, or expense, including reasonable attorneys' fees,
damages, or penalties of any, kind on account of or resulting from any claim or
action for infringement or misappropriation of third-party rights by any
existing Intangible Property in the Territory with respect to Products. Licensor
shall defend any such claim or action at its own expense provided that Licensee
promptly notifies Licensor on learning of any such claim or action and
cooperates with Licensor in defending any such claim or action.

                                   ARTICLE VII

                          INTANGIBLE PROPERTY OWNERSHIP

         Licensee acknowledge Licensor's exclusive right, title, and interest in
and to the Intangible Property. Licensee shall not at any time do or cause to be
done, or fail to do or cause to be done, any act or thing, directly or
indirectly, contesting or in any way impairing Licensor's right, title, or
interest in the Intangible Property. Every use of any Intangible Property by
Licensee shall inure to the benefit of Licensor.

                                  ARTICLE VIII

                              TERM AND TERMINATION

         SECTION 8.1. TERM. This Agreement shall remain in effect for a period
of five (5) years from the Effective Date, and shall be extended for successive
periods of five (5) years each unless terminated by either party at any time
upon six (6) months' prior notice.

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         SECTION 8.2. TERMINATION. In addition to the provisions of Section 8.1,
either party shall have the right to terminate this Agreement at any time, by
giving written notice to the party in default on the occurrence of any of the
following events:

            a. A party fails or neglects to perform covenants or provisions of
this Agreement if such default is not corrected within thirty (30) days after
receiving written notice from the other party with respect to such default;

            b. Any act, determination, filing, judgment, declaration, notice,
appointment of receiver or trustee, failure to pay debts or other events under
any law applicable to a party indicating the insolvency of bankruptcy of such
party;

            c. Any extraordinary governmental action, including, without
limitation, seizure or nationalization of assets, stock, or other property
relating to a party.

         SECTION 8.3. RIGHTS AND DUTIES ON TERMINATION. Upon termination of this
Agreement,

            a. Licensor shall have the right to retain any sums already paid by
Licensee under this Agreement, and Licensee shall pay all sums accrued that are
then due under this Agreement; and

            b. Licensee shall discontinue all use of the Intangible Property and
shall have no further right, title, or interest in any Intangible Property or
Know-How.

                                   ARTICLE IX

                                  MISCELLANEOUS

         SECTION 9.1. NOTICES. Any and all notices, elections, offers,
acceptances, and demands permitted or required to be made under this Agreement
shall be in writing, signed by the person giving such notice, election, offer,
acceptance, or demand and shall be delivered personally, or sent by registered
or certified mail, to the party, at its address on file with the other party or
at

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such other address as may be supplied in writing. The date of personal delivery
or the date of mailing, as the case may be, shall be the date of such notice,
election, offer, acceptance, or demand.

         SECTION 9.2. FORCE MAJEURE. If the performance of any part of this
Agreement by either party, or of any obligation under this Agreement, is
prevented, restricted, interfered with or delayed by reason of any cause beyond
the reasonable control of the party liable to perform, unless conclusive
evidence to the contrary is provided, the party so affected shall, on giving
written notice to the other party, be excused from such performance to the
extent of such prevention, restriction, interference or delay, provided that the
affected party shall use its reasonable best efforts to avoid or remove such
causes of nonperformance and shall continue performance with the utmost dispatch
whenever such causes are removed. When such circumstances arise, the parties
shall discuss what, if any, modification of the terms of this Agreement may be
required in order to arrive at an equitable solution.

         SECTION 9.3. SUCCESSORS AND ASSIGNS. This Agreement shall be binding on
and shall inure to the benefit of the parties, Affiliates, their respective
successors, successors in title, and assigns, and each party agrees, on behalf
of it, its Affiliates, successors, successors in title, and assigns, to execute
any instruments that may be necessary or appropriate to carry out and execute
the purpose and intentions of this Agreement and hereby authorizes and directs
its Affiliates, successors, successors in title, and assigns to execute any and
all such instruments. Each and every successor in interest to any party or
Affiliate, whether such successor acquires such interest by way of gift, devise,
assignment, purchase, conveyance, pledge, hypothecation, foreclosure, or by any
other method, shall hold such interest subject to all of the terms and
provisions of this Agreement. The rights of the parties, Affiliates, and their
successors in interest, as among

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themselves and shall be governed by the terms of this Agreement, and the right
of any party, Affiliate or successor in interest to assign, sell or otherwise
transfer or deal with its interests under this Agreement shall be subject to the
limitations and restrictions of this Agreement.

         SECTION 9.4. AMENDMENT. No change, modification, or amendment of this
Agreement shall be valid or binding on the parties unless such change or
modification shall be in writing signed by the party or parties against whom the
same is sought to be enforced.

         SECTION 9.5. REMEDIES CUMULATIVE. The remedies of the parties under
this Agreement are cumulative and shall not exclude any other remedies to which
the party may be lawfully entitled.

         SECTION 9.6. FURTHER ASSURANCES. Each party hereby covenants and agrees
that it shall execute and deliver such deeds and other documents as may be
required to implement any of the provisions of this Agreement.

         SECTION 9.7. NO WAIVER. The failure of any party to insist on strict
performance of a covenant hereunder or of any obligations hereunder shall not be
a waiver of such party's right to demand strict compliance therewith in the
future, nor shall the same be construed as a novation of this Agreement.

         SECTION 9.8. INTEGRATION. This Agreement constitutes the entire
agreement among the parties with respect to the subject matter hereof and
supersedes all prior agreements and understandings among the parties with
respect thereto.

         SECTION 9.9. CAPTIONS. Titles or captions of articles and paragraphs
contained in this Agreement are inserted only as a matter of convenience and for
reference, and in no way define, limit, extend, or describe the scope of this
Agreement or the intent of any provision hereof.

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         SECTION 9.10. NUMBER AND GENDER. Whenever required by the context, the
singular number shall include the plural, the plural number shall include the
singular, and the gender of any pronoun shall include all genders.

         SECTION 9.11. COUNTERPARTS. This Agreement may be executed in multiple
copies, each of which shall for all purposes constitute an Agreement, binding on
the parties, and each partner hereby covenants and agrees to execute all
duplicates or replacement counterparts of this Agreement as may be required.

         SECTION 9.12. APPLICABLE LAW. This Agreement shall be governed by and
construed in accordance with the laws of the State of Delaware.

         SECTION 9.13. SEVERABILITY. In the event any provision, clause,
sentence, phrase, or word hereof, or the application thereof in any
circumstances, is held to be invalid or unenforceable, invalidity or
unenforceability shall not affect the validity or enforceability of the
remainder hereof, or of the application or any such provision, sentence, clause,
phrase, or word in any other circumstances.

         SECTION 9.14. COSTS AND EXPENSES. Unless otherwise provided in this
Agreement, each party shall bear all fees and expenses incurred in performing in
obligations under this Agreement.

         [SIGNATURE PAGE FOLLOWS]


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         IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
executed on the date first written above by their duly authorized officers.

                                        DVA INC.


                                        /s/ JASON C. LIU
                                        ------------------------------------
                                        Jason C. Liu
                                        President

                                        DIVICO INC.


                                        /s/ FRANCIS E.J. WILDE III
                                        ------------------------------------
                                            Francis E.J. Wilde III
                                        Chief Executive Officer and President