Procisa Application with Active Card Control

Works, a leading provider of spend management applications, announced the general availability of the Works Procisa application with Active Card Control technology. This solution enables companies to use commercial credit cards, such as purchasing cards and corporate cards, to manage a greater amount of their overall spending without sacrificing control. This is made possible by combining the Procisa application’s pre-spending approval capabilities with the efficient payment processes offered by commercial credit cards, which together help companies better manage spending and realize savings from greater back-office efficiencies and streamlined payment processes.

The Procisa application with Active Card Control technology provides companies with the flexibility to distribute cards with different levels of spending authority and control to individuals within their organizations. This includes cards that can be used to make purchases without advanced approval, cards that require pre-approval for every purchase and any combination in between. If a cardholder needs to make a purchase above and beyond his spending authority, he submits a request through the Procisa application and it’s automatically compared to company spending policies. The request is then approved, denied or automatically sent on to designated personnel for online review and approval. Once approved, the spending settings on the individual’s credit card are instantly adjusted to allow the purchase.

The Teacher’s Credit Union (TCU), a billion dollar institution and the largest credit union in Indiana, recently selected the Procisa application with Active Card Control technology to more effectively manage operational spending. The solution will make it possible for TCU to use Visa commercial credit cards to pay for a number of high dollar expenses, including technology purchases and spending associated with construction of seven new credit union branches. “The capabilities of the Procisa application provide the controls we need to use our credit cards to purchase things we never would have paid for with cards before, such as expensive capital items that require pre-purchase approval,” said Amy Sink, senior vice president and chief financial officer, Teacher’s Credit Union. “This control, combined with the streamlined payment process and reporting available from a commercial credit card program, will help us reduce our overall expenses and operate more efficiently.”

In addition to its pre-spending approval capabilities, the Procisa application also provides:

— Streamlined accounting processes: allow companies to automate allocation of purchases, split individual transactions between multiple account codes, and add additional line item purchase detail either before or after the purchase is made, leading to increased efficiency and accuracy in the back-office.

— Real-time card administration: gives companies the ability to manage cards one at a time or in groups; request, activate and suspend cards; and manage card spending settings online. Changes take effect immediately.

— Visibility into spending: allows company managers to view up-to-date spending activity for their area of responsibility and use the data for detailed spending analysis.

“The Works Procisa application multiplies the possibilities of what a company can do with its commercial card program,” said Bo Holland, president and CEO of Works. “The upfront controls of the application combined with the payment efficiencies of the card program make it the ideal solution for managing a high percentage of a company’s spending.”

The Procisa application with Active Card Control technology is currently available through PNC Bank and will soon be available through additional banks. For more information, contact Works at 800-967-5726 or visit .

About Works ()

Headquartered in Austin, Texas, Works is a leading provider of spend management applications. The company’s flagship product, the Works Procisa(TM) application, allows organizations to gain up-front control over company spending and reduce costs.

MasterCard Business Cards

As noted in yesterday’s CardFlash, MasterCard will unveil a business card solution this week geared toward companies with annual sales between $10 million to $250 million, and• have, on average, between 100 to 250 employees. The ‘MasterCard Middle Market Solution’ includes three major components. The ‘MasterCard Corporate Multi Card’ allows mid-sized businesses to combine their T&E, purchasing and fleet expenses into a single, manageable program. ‘•MasterCard Smart Data OnLine’ enables businesses to track, view and manage card expenditures across the entire organization. The ‘MasterCard Rewards Program’ can be customized by the issuer for the middle-market customer. MasterCard estimates the middle-market segment represents more than 137,000 potential customers. Under the program, issuers receive a ready-made marketing toolkit supporting the solution, including design templates, sales presentations, research summaries and tools to help issuers immediately implement the solution.


Ernex Marketing Technologies Inc., a provider of real-time marketing solutions, announced it has signed on eight new customers in the last several weeks, spanning 100 hospitality and retail point-of-sale (POS) locations. Ernex services being used include Ernex’s Real-Time Points loyalty programs, E-Gift stored value gift card programs, reward fulfillment services, and a suite of business intelligence analytical reporting services.


Ernex provides marketing technology services to help its clients achieve customer relationship management (CRM) success through real-time loyalty points programs, electronic gift cards and customized offers at the point-of-sale. The recent client wins reflect Ernex’s overarching mission of helping its clients cost-effectively identify, reward, and personalize offers to their card-carrying customers. The Ernex-enabled point-of-sale tracks customer spending and behavior, and can instantly respond back to customers on their receipts with coupons, messages or even prizes – based on a real-time central database. Ernex has proven successes in a variety of markets, including retail, restaurant, golf, hotel, and travel – managing millions of cardholder accounts and thousands of points-of-sale.


The eight new clients include programs at 100 locations.

— The Palm Restaurant ( has implemented its “837 Club” rewards program with plans to roll out Ernex’s gift card program in the New Year. The Palm, the oldest family-owned white tablecloth restaurant to expand across the United States while still maintaining its family ownership, is based in Washington, DC. The Palm has 25 participating locations. As part of the relationship with The Palm, Ernex will fulfill reward redemption, provide cardholder support, and provide data keying services through its Customer Service Center.

— Maverick Southern Kitchens ( has dubbed its loyalty program “The Maverick Collection.” Maverick Southern Kitchens owns and operates restaurants, a retail and wholesale bakery, and provides food and beverage services to area hotels. Five Maverick locations will participate in the program, and will use Ernex’s Interactive Voice Response (IVR) system for points lookups for cardholders. The program’s features include bonus points for birthdays and anniversaries, and a web-based cardholder points balance lookup feature.

— Levy Restaurants ( will work with Ernex on its “Levy Preferred” program. Levy Restaurants were founded in 1978 by brothers Larry and Mark Levy, and has grown from one delicatessen in Chicago to a specialized, industry-leading food and dining organization, boasting national and international accolades. With a diverse and disciplined culinary background that lead to tremendous success in the restaurant business, Levy Restaurants pioneered a new category of upscale food service – providing authentic restaurant experiences in places one would least expect to find them, such as sports stadiums, ballparks, arenas, convention centers, zoos and more. There are 10 Levy locations participating in the program. The program provides bonus points on birthday and anniversaries as well as for lapsed customers. Additionally, real-time redemption of points is offered at the point of sale. Levy Restaurants also participates in the Compass Rewards Program – launched with Ernex t echnology in July 2001 – offering stakeholders special incentives for dining at close to 50 participating restaurants. The Compass Group is the world’s second-largest food service company with operations in more than 70 countries, providing contract catering and concession services at airports, hospitals, rest areas, and schools.

— Gulf Coast Connoisseur Club ( is run by the Klauber-Moulton-Mancini family of resorts, shops and restaurants on Florida’s Gulf Coast. The club is using Ernex technology at seven participating locations for its loyalty program. Members may accrue points at The Colony Restaurants, Michael’s On East, Michael’s Mediterranean Grille, Pattigeorge’s, Michael’s Wine Cellar, Le Tennique, and The Colony Spa and Salon. This real-time loyalty program also offers bonus points to club members on their birthdays, anniversaries, and as an incentive for lapsed customers. This innovative club also offers exclusive special events for its members, including culinary trips to restaurants across Florida, fashion shows, culinary demonstrations, progressive dinner boat trips, and more. The program includes real-time redemption of points at the point-of-sale, and an IVR and web-based points-lookup for members.

— R.J. Gator’s HomeTown Grill & Bar ( is offering the “R.J.Gator’s Frequent Diner Program” for its patrons. The Restaurant chain is an authentic Florida-style casual dining neighborhood restaurant that captures the laid-back atmosphere of a Key West grill. Nine R.J. Gator locations are participating in the program. Ernex provides fulfillment for gift certificates for cardholder redemptions. The program also includes an IVR system and web-based interface for cardholders to check on their points. Cardholders receive cards on their birthdays and anniversaries.

— That’s Amore Restaurants ( offers a program called “Friends of the Family” in six participating locations. The That’s Amore restaurant concept originated in May of 1991 during an after dinner stroll on Taylor Street in Chicago, by friends and business partners of 30 years – Fred Berman and Artie Altschuler. They found themselves eating a remarkable, over-portioned, southern Italian dinner and discovered that there was a need for this type of restaurant in Washington, D.C. Today, Chef Gennaro Ferrigno’s cuisine champions the idea of “old school” Italian cooking and is a critic of “short cuts” and chain restaurant automation. The “Friends of the Family” program awards points toward free coupon certificates issued at the point-of-sale, IVR and web-based points lookup for cardholders, birthday and anniversary cards, real-time redemption of points at the point-of-sale, and bonus points on Mondays.

— CompuSmart (, Canada’s largest computer superstore network with the first Canadian computer superstore opened in 1982. CompuSmart is using Ernex’s technology to provide a reloadable gift card program for customers at 20 of its store locations. CompuSmart will stand to benefit from being able to electronically track and reconcile its gift card spending across all locations, increase gift card sales, and reduce fraud with a more secure real-time electronic system.

— Coast Hotels & Resorts ( – Western Canada’s leading chain of hotels and resorts throughout British Colulmbia and Alberta is using Ernex technology at 18 of its locations to improve service delivery of its Coast Select loyalty program. The program will begin in March. Hotel guests qualify for Silver, Gold or Platinum status based on their number of stays and room nights at participating locations, earning them special benefits such as complimentary room upgrades. Front desk clerks will use Ernex-enabled point-of-sale systems to automatically record member stays and track redemption of room upgrades.


Ernex Marketing Technologies is a provider of innovative real-time marketing solutions for merchants, credit card and bankcard issuers, and large membership organizations. Its solutions include loyalty programs, stored-value gift card programs, reward fulfillment services and loyalty database hosting services. For more information, contact Ernex at 877-GO-ERNEX or visit Ernex is a wholly owned subsidiary of Royal Bank of Canada.

Thales & GCF Deal

General Credit Forms, Inc., the leader in the worldwide manufacture and distribution of credit card Point of Sale supply products, has signed an agreement with Thales e-Transactions, the fastest growing POS equipment manufacturer in the U.S., Europe, Asia and Latin America. The agreement between the companies is for GCF to act as a reseller of and to provide warranty and non-warranty repair services for Thales’ Talento and Artema line of POS products.

Under the GCF/Thales agreement, GCF will perform repair on the Thales products at GCF’s headquarters in Saint Louis, MO. Units that are under a manufacturer’s warranty will be repaired at no charge, as if they had been shipped to the manufacturer. The GCF/Thales reseller agreement provides merchant acquirers with an opportunity to purchase Talento and Artema products from a renowned independent distribution company that has been servicing the merchant industry for over twenty-five (25) years.

“The POS product lines from Thales e-Transactions are gaining considerable momentum in the U.S. merchant market. The GCF/Thales repair program will allow us to offer our mutual customers a convenient and economical solution for the repair of Thales products,” said John McCormick, Director of Marketing for GCF. “We are excited to bring this new product offering to our customers and look forward to a long partnership with Thales.”

General Credit Forms, Inc. is a privately owned business, founded in 1973 with headquarters in Saint Louis, Missouri. GCF is the nation’s largest manufacturer and distributor of POS supply products to the merchant and money-order industries and currently distributes product to more than one hundred fifty (150) countries on six (6) continents. For more information, contact John McCormick, Director of Marketing, or Mistee Spry, Operations Manager-Terminal Services, at (314) 216-8600 or visit GCF on the web at [][1].

Thales e-Transactions, Inc., is a subsidiary of The Thales Group, a global business with operations in nearly 50 countries and over 65,000 employees worldwide supporting a full range of products, systems and solutions for three broad markets: Defense, Aerospace, and Information Technology and Services. The company continues to enjoy a worldwide leadership role in the POS industry that began over 15 years ago. Thales is currently among the top 4 companies in worldwide POS installations and ranks 1st in installed Smart Card terminals globally. Find more information about Thales e-Transactions, Inc. at the site: [][2].


Cruise Card Offer launched this week the largest cruise sale in its history and treats members to incredible cash rewards. The leading travel Web site has teamed up in a marketing agreement with MasterCard International and major cruise lines to offer this fantastic incentive on a wide array of cruises.

Those wanting to embark on the cruise of a lifetime can book a qualifying cruise by February 28 and receive up to $150 back. Depending on the length of the cruise, cruise-goers who book their vacation on will receive the following cash rewards:

* $ 25 back (3- to 6-night cruises)
* $100 back (7- to 9-night cruises)
* $150 back (10-night cruises or longer)

In addition, consumers who book any 2002 cruise with a valid MasterCard card by February 28 will get $25 back through a MasterCard Gift Card to start saving for their next cruise vacation. For more information, log onto .

In addition to receiving the rewards, consumers can find cruises from as low as $279 and sail to a variety of destinations — including the Caribbean, the Bahamas, Alaska and Europe — by simply logging onto . Participating cruise lines include Carnival Cruise Lines, Norwegian Cruise Line, Celebrity Cruises, Princess Cruises, Disney Cruise Line, Royal Caribbean International, Holland America and Windstar.

“ continues to be a leader in finding innovative ways to provide our members with good value and great service,” said Chris McAndrews, senior vice president, leisure travel and partner marketing, of “Our third annual Cruise Super Sale demonstrates our commitment to offering our members outstanding itineraries from the leading cruise lines at affordable prices.”

“This promotion is another example of how working with has proven to be a great way for MasterCard to bring greater value and convenience to our cardholders,” said Fred Gore, senior vice president, MasterCard North America Acceptance. “The MasterCard Gift Card delivers a rewarding option for the cardholder.”

About Inc. (Nasdaq: TVLY), a database-driven travel marketing and transaction company, provides Internet and wireless reservations information for more than 700 airlines, more than 50,000 hotels and more than 50 car rental companies. In addition, offers more than 6,500 vacation packages, tour and cruise departures and a vast database of destination and interest information. employs more than 1,000 customer service professionals, has sold more than 20 million airline tickets and has more than 32 million registered members.

About MasterCard International

MasterCard International has a comprehensive portfolio of well-known, widely accepted payment brands including MasterCard(R), Cirrus(R) and Maestro(R). More than 1.7 billion MasterCard, Cirrus and Maestro logos are present on credit, charge and debit cards in circulation today. An association comprised of more than 20,000 member financial institutions, MasterCard serves consumers and businesses, both large and small, in 210 countries and territories. MasterCard is a leader in quality and innovation, offering a wide range of payment solutions in the virtual and traditional worlds. MasterCard’s award-winning Priceless(R) advertising campaign is now seen in 80 countries and in 40 languages, giving the MasterCard brand a truly global reach and scope. With more than 22 million acceptance locations, no card is accepted in more places and by more merchants than the MasterCard Card. At Sept. 30, 2001, gross dollar volume exceeded US$704 billion. MasterCard can be reached through its World Wide Web site at .

Elite Rewards

Metris Companies and Cendant Corporation have signed a co-branded credit card agreement to issue the ‘Elite Rewards MasterCard’. Cardholders will earn one point for every dollar spent with the card, and bonus points when using their card at any one of 17 ‘Bonus Point Partners’. Some Cendant subsidiaries and ‘Bonus Point Partners’ participating in the rewards program include Days Inn, Avis, Howard Johnson, Knights Inn, Super 8, Travelodge, Villager Lodge and Wingate Inns. Points can be redeemed for airline tickets under the ‘Any Airline, Any Seat, Any Time’ program. Points can also be redeemed for hotel stays, car rentals, gift certificates at over 35 participating merchants, and specific merchandise rewards. The no-annual-fee ‘Elite Rewards’ card will be available to consumers in April. Metris will issue cards through its Direct Merchants Credit Card Bank.

MBNA Renews Ducks Unlimited

MBNA America Bank, N.A. and Ducks Unlimited, Inc. announced that they have signed a multi-year renewal of their 15-year-old affinity credit card agreement which, to date, has raised $35 million for wetlands conservation projects throughout the United States. Terms of the agreement were not released.

To commemorate the renewal and to acknowledge MBNA’s financial support of its conservation projects, Ducks Unlimited will dedicate two wetlands restoration projects at the Assawoman Wildlife Area in southeast Delaware to the people of MBNA. Stone cairns will be placed on each site to acknowledge MBNA’s leadership in helping conserve more than 70,000 acres of wetlands and other natural areas in all 50 states.

“The growth and success of the Ducks Unlimited affinity card program is a positive reflection of the growth and success of both MBNA and Ducks Unlimited over the last 15 years,” said John R. Cochran, Executive Vice Chairman and Chief Marketing Officer of MBNA. Mr. Cochran added, “The Ducks Unlimited affinity card program has been a model of consistent account growth and innovative marketing initiatives. But more than an exceptional business opportunity, our partnership with Ducks Unlimited has allowed MBNA to play an important role in preserving tens of thousands of acres of prime wetlands for this and future generations. The Ducks Unlimited partnership with MBNA is a terrific example of an effective affinity card program.”

“Never have the words `a great business partnership’ seemed more fitting than when I think of DU’s relationship with MBNA,” says DU’s Executive Vice President, Don Young. “This is a team effort that’s bringing together consumers and leaders in the financial and conservation world, all in support of one common concern – habitat conservation. Year after year, this affinity credit card program contributes significant funds to DU’s habitat conservation work, and we look forward to many more years of partnering with MBNA.”

About MBNA

MBNA Corporation (NYSE: KRB), a bank holding company and parent of MBNA America Bank, N.A., a national bank, has $97.5 billion in managed loans. MBNA, the largest independent credit card lender in the world, also provides retail deposit, consumer loan and insurance products. ( provides credit card, consumer loan, retail deposit, travel and shopping services.

About Ducks Unlimited

With more than a million supporters, Ducks Unlimited is the world’s largest and most successful wetland and waterfowl conservation organization. The United States alone has lost more than half of its original wetlands — nature’s most productive ecosystems — and continues to lose more than 100,000 wetland acres every year. Look for Ducks Unlimited on the World Wide Web at , and tune in to The World of Ducks Unlimited radio program airing across the nation.

MasterCard Biz Cards

MasterCard International will announce Thursday a new suite of corporate charge card services targeted at medium-sized business. Among the ‘MasterCard Middle Market Solution’ services offered will be online payment tracking, expense management, an airline travel rewards program, and stored value cards. The initiative will be targeted to companies with annual sales between $10 million to $250 million, and between 100 and 250 employees. The ‘MasterCard Corporate Multi Card’, allows mid-sized businesses to combine their T&E, purchasing and fleet expenses into a single, manageable program.• ‘MasterCard Smart Data OnLine’ allows businesses to track, view and manage card expenditures across the entire organization. • The ‘MasterCard Rewards Program’ can be customized by the issuer to best fit its middle-market customer. • Bank One has reportedly signed on for the new MasterCard program.

eAppliance Certified for SwipeNet 2100

eAppliance Payments Solutions, Inc., a subsidiary of MB Software Corporation, announced it has received certification, allowing merchant transaction processing via the SwipeNet 2100 platform and accompanying applications with Global Payments Inc., a leading provider of electronic processing services. “This certification is a major step toward our product’s launch and opens up new avenues of revenue to MBSC,” said Scott A. Haire, President of MBSC. He added, “We are extremely pleased to work with Global Payments.”

“Global Payments is pleased to offer processing services to customers of eAppliance,” said Director of Product Integration, Jill Gapper. “We work with many third party application providers and are pleased to add eAppliance to our list of third party certified products,” she added.

Global Payments Inc. (NYSE:GPN) is a leading provider of electronic transaction processing services to merchants, Independent Sales Organizations (ISOs), financial institutions, government agencies and multi-national corporations located throughout the United States, Canada, United Kingdom and Europe. Global Payments offers a comprehensive line of payment solutions, including credit card and debit cards, business-to-business purchasing cards, gift cards, Electronic Benefits Transfers (EBT) cards, check guarantee, check verification and recovery, terminal management and funds transfer services.

About MB Software Corporation:

MB Software Corporation (OTCBB:MBSC) with its corporate headquarters in Arlington, Texas, offer merchants transaction based processing and other services via its point of sale hardware. The Company’s point of sale devices have Internet-based services as well as database management services which are offered to small and medium sized merchants of any type.

For more information on the Company please visit the Company’s Website at [][1].


Digital Insight 4Q/01

Digital Insight reported revenues for the fourth quarter of $27.0 million, a 49% increase over 4Q/00. Pro forma net income for the quarter was $1.2 million and EBITDA profitability was $4.2 million. Net loss for the quarter was $8.7 million, compared to a net loss of $16.5 million for the corresponding period in 2000. The Company added 230,000 active Internet banking end-users during the quarter, ending the year with 2,420,000 active end-users, representing an 11% increase from the prior quarter and a 56% increase from the same period last year. The Company had a total of 992 Internet banking clients with live sites at year-end. Lending applications processed during the quarter totaled 89,716 versus 86,849 in the prior quarter and 65,000 a year ago. For complete details on Digital Insight’s 4Q/01 results visit CardData (

Fair Isaac 4Q/01

Fair, Isaac and Company, Incorporated, the leader in customer analytics and decision technology, announced financial results for the first fiscal quarter ended December 31, 2001.

Revenues for the first quarter of fiscal 2002 reached $85.1 million, up 10% from $77.1 million reported in the first quarter of fiscal 2001. Net income for the period rose 54% to $13.5 million, or $0.57 per share (diluted), compared with net income of $8.8 million, or $0.40 per share (diluted), reported in the first quarter of fiscal 2001. These results include an approximate gain of one-cent per share from the sale of long-term investments in the first quarter of fiscal 2002.

“The solid growth in our earnings and revenue for the first quarter illustrates the vigor of our business model and the continued demand for our analytic solutions, despite economic conditions,” said Tom Grudnowski, CEO of Fair, Isaac. “Our core scoring business remains strong, driven by demand from credit card issuers, as well as the favorable mortgage and auto lending environments. We also saw an increase in our software sales in the first quarter, both to our installed base as well as to new clients.”

About Fair, Isaac

Fair, Isaac is the preeminent provider of creative analytics that unlock value for people, businesses and industries. The Company’s predictive modeling, decision analysis, intelligence management and decision engine systems power more than 14 billion decisions a year. Founded in 1956, Fair, Isaac helps thousands of companies in over 60 countries acquire customers more efficiently, increase customer value, reduce risk and credit losses, lower operating expenses and enter new markets more profitably. Most leading banks and credit card issuers rely on Fair, Isaac’s analytic solutions, as do insurers, retailers, telecommunications providers and other customer-oriented companies. Through the Web site, consumers use the Company’s FICO(R) scores, the standard measure of credit risk, to manage their financial health. For more information, visit [][1]

For complete details on Fair Isaac’s 4Q/01 results visit CardData ([][2]).


Compucredit 4Q/01

The woes among sub-prime credit card issuers continues as Atlanta-based CompuCredit indicated yesterday it could post a slight loss for the fourth quarter. The issuer released a preliminary earnings report that showed 4Q/01 net income of $5.6 million but with a note that it may have to decrease net income for the fourth quarter by $5.8 million, due to a loss on the sale of two securitizations. CompuCredit sold two subordinate interests in its securitizations for net proceeds of approximately $26 million, however the aggregate face amount of these two interests was approximately $36 million. The company is in discussions with auditors over the treatment of the loss on sale. Meanwhile, CompuCredit reported the net charge-off rate was 15.3% in the fourth quarter, as compared to 13.3% one year ago. At the end of 2001, the 60+ day managed delinquency rate was 11.1% as compared to 9.5% for 4Q/00. The issuer also reported $1.9 billion in year-end receivables and 2,185,000 gross accounts. CompuCredit has been ramping expenses down including the layoff of approximately 70 people. For complete details on CompuCredit’s preliminary fourth quarter report visit CardData (