Robert McKinley, Senior Analyst/Editor Robert McKinley is an analyst of the payments industry on a daily basis for 32 years covering payment cards and payment systems from both the business side and the consumer side. McKinley is the retired founder and chief executive of RAM Research, CardWeb and CardTrak. In his prior position, McKinley has participated in more than 10,000 documented news media interviews, testified as an expert witness in two separate $billion+ U.S. anti-trust trials, testified before the U.S. Congress, assisted the GAO with paymentsIMG_2006 (1).jpeg reports, chaired numerous business conferences and provided C-Suite opinion to a multitude of Fortune 500 companies. In retirement, he has continued developing and funding digital media assets as well as contributing payments related analysis/content to a broad list of online publishers, including CardFlash, CardTrak and CardData. McKinley is also a national certified mentor with the non-profit SCORE organization with a focus on assisting Fintech startups.

NCR Anounces Movie Time App

NCR launched its Movie Time mobile app, letting cinema operators engage customers on a custom-branded smartphone platform. The app features a user interface making it easier for consumers to navigate, purchase and share movie tickets and is integrated into NCR’s cinema solutions. The “NCR Movie Time” securely stores loyalty and credit card information with password protection and allows users to redeem orders at any point-of-sale, kiosk or usher stand. It is designed to be easily customized for individual cinema brands, making it seamless for theater operators to maximize valuable marketing opportunities with consumers and to build loyalty through an exceptional user experience.

Ingenico Partners eMoney on Remittance

Ingenico payment solutions launched its Money Transfer solution in partnership with eMoney Solutions, specialized in the implementation of Vertical market’s solutions, allowing under and unbanked population to access to financial services. This solution was born from both companies’ commitment to bridge the gap between their cutting edge electronic transaction technology, and the great difficulty that most individuals in Africa face on a daily basis to carry out simple money transfers. The transaction model is based on immediate compensation: the agent enters the beneficiary’s name which generates a secret transaction code, sent by SMS to activate the transaction. The end-users thereby access easily to fast “anywhere, anytime” money solutions and also benefits of reduced commission rates with no obligation to credit their own account.

MoneyGram Renews India Post Agreement

MoneyGram global money transfer renewed its agreement with India Post. MoneyGram’s growth strategy includes aligning with post offices, among other types of agents, providing consumers with convenient access to reliable and affordable money transfer service close to where they live and work. Currently, MoneyGram has nearly 30 postal relationships globally in countries such as the United Kingdom, Canada and Italy with plans to expand further in the coming years.

First Data SpendTrend Shows Card Spending Skyrockets

[ihc-hide-content ihc_mb_type=”show” ihc_mb_who=”0″ ihc_mb_template=”1″] First Data released its SpendTrend analysis for March 1-29, 2013. Compared to March 2-30, 2012, it tracks same-store consumer spending by credit, signature debit, PIN debit, EBT, closed-loop prepaid cards and checks at U.S. merchant locations. Year-over-year dollar volume growth increased 6.0% in March, up from February’s 4.6% growth, as the…

Fiserv Launches Solution to Reduce Improper Govt Payments

Fiserv financial services technology solutions has launched a payment accuracy and fraud solution to reduce improper payments for U.S. federal government agencies. The professional services engagement will allow government agencies to reduce the overall loss of cash associated with improper disbursement and recovery of funds, thereby enabling that money to instead be used for citizens and tax-payers. Improper payments can include payments to the wrong person, for the wrong amount, or to citizens who are no longer eligible for benefits. An estimated one-third or more of improper payments are due to fraud, while two-thirds are the result of errors or incorrect information. Using a rigorous process and data analysis, the Fiserv solution finds and eliminates process variation, waste and opportunities for error that may result in payment inaccuracy.

mPayment Patent Expands PayOne Portfolio

PayOne mobile payments and carrier billing has been awarded another patent by the US Patent Office on its “PayConnect” technology platform, “instant wallet” capability, and intellectual property serving the mobile commerce and digital payments market. The newly awarded patent, which was filed in November 2010 for invention number 8,379,815, covers mobile payments, fraud control and identity verification for online and in-store transactions. This new patent adds to an already robust portfolio of eight patents awarded to PayOne related to mobile wallet, payments and carrier billing. PayOne’s complete patent portfolio can be found at PayOne and the PayOne Global Carrier Network PGCN currently provides the ability for over 4 billion consumers in over 80 countries to utilize their mobile phones for secure digital mobile payments, typically with just 1-2 steps.

Vantiv PROCESSING All Ready for MasterCard EMV

Vantiv payment processing for merchants and financial institutions of all sizes, announced that it was the first U.S. acquirer to complete MasterCard’s testing requirements to process EMV transactions for MasterCard, Maestro and Cirrus brands at both ATM and at the point-of-sale locations. Vantiv’s integrated processing platform continues to enable the Company to quickly integrate new technologies such as EMV. This, combined with Vantiv’s comprehensive suite of payment solutions, represents the Company’s continued investments in its core processing platform, emerging technologies and strong execution capabilities. Vantiv’s network drives nearly 13,000 ATMs and has been certified to process EMV transactions on the NCR APTRA(TM) Edge ATM software platform. Its EMV processing will allows cardholders to conduct EMV transactions at selected ATMs.

Bluefin Payment Systems Announces New Partnership

Bluefin Payment Systems and social fundraising platform inked their partnership, whereby Bluefin’s payment gateway, PayConex, is available to’s customer base. Bluefin’s payment gateway features debit/credit/ACH acceptance, plus recurring billing, a virtual terminal and a hosted payment page – all backed by security features such as tokenization and point-to-point encryption (P2PE). A ll of clients will have access to Bluefin’s secure payment gateway by simply applying online for a merchant account, which will offer’s services to their base of merchants and more than 300 partners. Bluefin is partnered with over 100 software providers and serves 15,000 U.S. and Canadian merchants, including 1,200 Non-profits.

Accourt Appoints Seasoned Card Partner

Accourt Limited consultancy services announced that Peter Trembling as a Partner, bringing with him over 20 years’ experience in International Cards and Payments. He served in roles with American Express, five years at MBNA International and was the founder of two specialist card consultancy practices. He has advised banks and card issuers in every continent around the world covering over 30 countries, as well as brokering co-brand card partnerships for over 50 rights-holders in airline, retail, travel, and sport. Peter has operated as a consultant to MasterCard, Visa and American Express and was the Chairman of the inaugural MasterCard Annual European Card Programme of the Year Awards. His speciality is in working with rights holders and assisting them in optimising the value of their card and payment opportunities, whether that be through a traditional co-branded or affinity relationship or from the advent of new technology such as mobile payments, cashless stadia and arenas, virtual cards etc.

Discover Launches Cardmember 5% Cashback Bonus Promo

Discover is now offering cardmembers the opportunity to earn 5% Cashback Bonus on up to $1,500 in purchases at home improvement stores. Cardmembers can start earning 5% Cashback Bonus at home improvement stores now through June 30 by signing up for 5% online at, or by calling 1-800-DISCOVER (347-2683). After making $1,500 in home improvement purchases, Discover cardmembers still automatically receive their standard cash back on all other purchases. Discover is also offering its cardmembers exclusive ways to earn between 5%-20% on purchases made through ShopDiscover, the online shopping portal featuring more than 200 top online retailers. Starting April 11 through May 12, cardmembers can take advantage of over 20 merchant partners that will increase Cashback Bonus amounts.

Common Origination Platform and Fiserv Integrate Data-Sharing

Fiserv financial services technology announced its Common Origination Platform and LoanServ solutions have been integrated to provide real-time, full-circle loan boarding processes for all mortgage, lines of credit and installment loans. The integration improves efficiency for all users by sharing data points and eliminating potential errors caused by manual data entry. With an increasing number of financial institutions supporting both production and servicing operations, the integration of the Fiserv solutions provides a consolidated view of each customer as well as a single view of risk for their loan portfolios. The integration eliminates duplication within processes and the business management of the systems. With the LoanServ solution, data transactions are available online, in real-time so lenders don’t have to contend with the limitations associated with an end-of-day batch processing cycle.

HP Cards and Payments Deploys Tango Processing

Lusis Payments and HP partner on payments switching. TANGO brings payments systems into line with the broader IT developments and provides a clear edge over systems that were relevant and capable once. The TANGO solution will be deployed across three central hubs with the first instance already installed in HP’s Regional Cards and Payments Utility in Sydney, Australia. It will run on HP NonStop, the platform of choice for critical on-line transaction processing globally. TANGO’s resilient system software coupled with the well-known capabilities of the HP NonStop platform provides a fully fault tolerant system.