Robert McKinley, Senior Analyst/Editor Robert McKinley, with 33 years experience covering payment cards and payment systems, is Senior Analyst/Editor for CardFlash and other payments-related publications. He is the retired founder and chief executive of RAM Research, CardWeb and CardTrak. McKinley served as an expert witness in 100+ litigations including two multi-$billion trials, testified before the U.S. Congress, chaired multiple payments conferences, hired as consultant by Fortune 100 companies and several overseas financial institutions. Full Bio:

Adelante and Anderson Zaks to Debut mPayment System

Anderson Zaks independent card payments service provider is working with Adelante card payment solutions provider to deliver a fully PCI DSS compliant mobile payment system. The “MobilePOS” uses the Anderson Zaks RedCard platform and is fully accredited by the banks, ideal for a diverse range of users including local government, charities, the taxi trade, party plan companies, bailiffs, market traders, pop-up retail outlets, hospitality and many others. It is to debut at the Retail Business Technology Expo.

Cardtronics BuysOut Scottish ATM Tech Group

Cardtronics wholly-owned subsidiary, Cardtronics Creative, has acquired i-design group plc. The i-design solution provides the technology and services that transform ATM screens (and receipts) into delivery devices for interactive customer communications by financial institutions, as well as advertising space for retailers, third-party advertisers and independent ATM owners. Built on the premise of helping financial services providers, retailers and third-party advertisers make the most of existing customer communications, marketing and ad campaigns, the i-design solution repurposes the “waiting time” in a standard ATM transaction.

Servebase Teams Movanta, Expands Payment Gateway

Servebase and Movanta integrated to provide Retailers a white label Mobile App. Allowing a retailer to send targeted messages and run a loyalty scheme on their customers’ phones using insights gathered from their payment stream information, the app is integrated to the “ANYpay” Servebase payment gateway. Using the Movanta campaign management tools, the Retailer’s Marketing Department can then use the app to send promotional messages, offers and loyalty points based on a customer’s purchasing activities.

EnterCard Integrates Two-Factor mAuthentication

EnterCard integrated Encap’s two-factor authentication technology into its “re:membercard” mobile app. Ensuring EnterCard’s customers enjoy simple, seamless and secure access to their financial services on the move, in partnership with ID specialist Signicat, this will provide secure two-factor user authentication. Customers will be able to access their services using the app on their smartphone without the need for hardware tokens, SMS passwords, or other one-time passwords. This will provide EnterCard’s customers with an intuitive, convenient experience, and secure authentication without leaving the app.

JPMorgan Chase Unveils 2013 Dodd-Frank Test Results

JPMorgan Chase released the results of its “company-run” 2013 Dodd-Frank Act Stress Test for JPMorgan Chase & Co. on its website,, under Investor Relations, Investor Presentations. JPMorgan Chase global financial services firm serves millions of consumers in the United States and many of the world’s most prominent corporate, institutional and government clients under its J.P. Morgan and Chase brands.

U.S. Bank Intros Mobile Photo BillPay

U.S. Bank introduced its m-Photo BillPay to its customers, allowing them to set up bill payments by snapping a picture of their bills with their camera-enabled smartphone or tablet. This eliminates the need to manually enter payment information and makes adding or transferring billers and paying bills much quicker. This is the culmination of its partnering with Mitek to bring Mobile Photo Bill Pay™ to its customers.

Green Dot Appoints Board Member

Green Dot appointed Sam Altman, Executive VP, Mobile Products and Strategy to its Board of Directors. With this, he will serve as a Class I director on the board of directors, now comprised of eight members. Altman joined Green Dot in March 2012 upon the Company’s acquisition of Loopt, Inc., a pioneer in mobile user interface design, real-time location-based mobile rewards marketing, and geo-location application technology that Sam co-founded in 2005. Mr. Altman was featured in Inc. Magazine’s Top 30 Entrepreneurs Under 30 and BusinessWeek’s Tech’s Best Entrepreneurs.

Fiserv Announces Small Businesses RCD Platform

Fiserv has launched its, a new website for small businesses to learn more about and enroll in the “SpotPay” mobile card reader and RDC solution. This lets financial institutions to offer small business account holders an anywhere, anytime mobile solution to accept both card and check payments from a smart phone with the durable and secure SpotPay reader. Small businesses that enroll at will automatically be matched to their participating financial institution. Additionally, their financial institution will receive all the benefits of the enrollment, including co-branding and incentives, allowing them to realize strong returns on investment. If the SpotPay user’s bank or credit union isn’t yet a SpotPay member, the merchant will be enrolled directly until their financial institution joins SpotPay.

Mashreq Bank Implements Polaris Transaction Banking Platform

Polaris Financial Technology announced Mashreq deployed its revolutionary Intellect Global Transaction Banking (GTB) platform. The integrated cash management platform through portal and backend modules allows the Bank to offer its customers’ transaction banking services on a single platform in multiple countries in the Region. With Polaris’ multi-country and multi-currency enabled Intellect GTB solution, Mashreq can offer new products such as liquidity and trade via a unified portal. The solution facilitates a global transaction banking implementation on a single instance of the application, improving the Bank’s ability to scale up transaction banking operations by three times their current capacity. Through this portal, the Bank offers a single window to their corporate clients for services related to accounts, payments, liquidity, collections and trade.

TELUS Selects Gemalto SIM NFC mPayment

Gemalto announced that Canadian telecommunications carrier TELUS will use Gemalto’s UpTeq NFC SIM cards to enable consumers to securely store a variety of credentials on their SIM for use with their mobile phones. This fully compliant Europay MasterCard Visa (EMV) technology will enable customers to make secure payments, participate in loyalty programs, validate their transit pass, and redeem coupons using the secure credentials stored on their SIM cards accessed by with TELUS smartphones equipped with tap-and-go Near-Field Communications (NFC) and LTE capabilities. The UpTeq NFC SIM secures credit and other payment card credentials, offering the same security protection as chip payment. Besides the NFC-compatibility, the SIM also has built-in LTE capacities which are fully compatible with existing networks.

Discover Spending Monitor Shows Consumer Confidence Stable, on Rise

[ihc-hide-content ihc_mb_type=”show” ihc_mb_who=”0″ ihc_mb_template=”1″] The Discover U.S. Spending Monitor catapulted 3 points from 90.8 to 93.8 in February, as consumers spending intentions remain strong and plan to increase spending on gas and groceries and home improvement. Looking at the numbers, consumers projecting to spend the same amount of money next month increased 4% next month…

PayOne Files mPayment Patent Infringement Against The Home Depot

PayOne mobile payments and carrier billing filed a patent infringement lawsuit against The Home Depot, Inc. in the Northern District of California. The suit asserts The Home Depot retail store deployment and use of PayPal’s in-store checkout infringes on multiple PayOne patents including the use of a mobile phone number and a PIN (personal identification number) to complete the checkout process and payment at point of sale. The complaint seeks unspecified damages and a court-ordered injunction against future infringement by The Home Depot. The asserted PayOne patents include United States Patent No. 7,848,500, entitled “Method And Apparatus To Validate A Subscriber Line”; and United States Patent No. 7,848,504, entitled “Method And Apparatus To Validate A Subscriber Line.”