OLD NEWSPAPER PAYMENTS

Old news is shunned in the newspaper business, but now it might mean new
money
Cold North Wind Inc. and microCreditCard Inc. announced today a strategic
alliance designed to bring searchable images of newspapers in their original
published form and the power of online content sales to the newspaper
industry.

Cold North Wind generates new revenue from old news by digitizing newspaper
archives on microfilm and then publishing and selling those images on the
Internet. Together with microCreditCard, the Internet’s leading
credit-card-based micro-payment facilitator and alternative billing provider,
they will tour North America, educating publishers on ways to turn old news
into real profits.

“We are excited about this partnership with microCreditCard. They are the best
online payment solution around – it will be a powerful relationship,” said Bob
Huggins, CEO of Cold North Wind. “Newspapers on microfilm provide us with a
remarkable view of the past. Unfortunately, access to this material is limited
by the locality of both microfilm readers and microform collections. Today,
users want to get this information on the Internet. But digitizing these
archives and then marketing them over the web can be arduous and expensive for
a newspaper to undertake on its own. Together with microCreditCard, we offer
newspapers a painless, quick method for converting archives and realizing
profits from them.”

Cold North Wind’s process creates and publishes searchable digital images of
every page in a newspaper — not just selected stories. Currently, most
newspapers provide a limited number of online articles in ASCII form from the
past five to ten years only. As a result, the sole method of searching
newspaper archives is through microfilm, a time-consuming process.
In February, New York Post and Cold North Wind Corp. announced a letter of
intent to digitize and publish the microfilm archives of the New York Post
newspaper and make it available on the Internet. Readers will be able to
search
and view the original printed format from the paper’s almost 200 year-old
archive.

“We want to help publishers get past the online content sales hurdle,” said
Leslie Poole, CEO of microCreditCard. “The Internet has great potential to act
as a record keeper and revenue generator, but that potential has not yet been
realized. microCreditCard eliminates a myriad of technical, administrative and
financial obstacles, so that Web sites can realize revenue from content within
hours. The best part is that our technology is applicable to an array of
content formats, from music, to movies to articles. Our solution comes at a
critical time when content providers are searching for revenue sources –
microCreditCard and Cold North Wind are here to help.”
microCreditCard’s products were created in response to content providers’
frustration with the difficulties and cost involved in developing a payment
process. microCreditCard is one of the first companies to offer a
micro-payment
solution and its services suite is the only same-day solution enabling credit
card transactions.
Cold North Wind was attracted to the company’s ability to accommodate multiple
currency management, subscription management, digital content management, and
the ability to sell digital content either via subscription or in “unbundled”
individual units, such as a single archived page.

About microCreditCard

Headquartered in Arlington, Va., microCreditCard, Inc., is the Internet’s
leading credit card-based micro-payment facilitator and alternative billing
provider. Founded in 1999, microCreditCard’s robust solution, which
consists of
a Content Gateway(TM), a Payment Gateway(TM), and an Aggregation
Engine(TM), is
easy to set up and allows transactions for 10(cent) and higher.
microCreditCard offers three tiers of service – microCreditCard Managed,
Managed Plus, and Premium – depending on the needs of the merchant. For more
information about microCreditCard, visit its Web site at www.microCreditCard.com.

About Cold North Wind

Founded in 1999, Cold North Wind is creating a worldwide online newspaper
archive. The company turns newspaper archives on microfilm into
high-resolution, searchable, digital images on the Internet. Cold North Wind
provides revenue-producing solutions to organizations that hold valuable
microform archives, as well as to distributors of online content.
Through partnerships with newspapers, media corporations, micropublishers and
content distributors, Cold North Wind is providing business solutions to
enable
publishers to create new revenue streams from archived materials. Cold North
Wind Corp. is based in Framingham, Massachusetts. Its parent company, Cold
North Wind Inc. is headquartered in Ottawa, Canada.
For further information, please visit www.coldnorthwind.com.

UNO MONEY TRANSFERS

Miami-based UNO Money Transfers announced it has entered into an agreement
with
one of Mexico’s largest financial institutions, BBVA Bancomer, to offer direct
and faster payment of remittances to the country. Under the agreement,
Bancomer
and its related payment centers will provide UNO clients in Florida,
Massachusetts, Connecticut and New Jersey with instant folio numbers, which
make remittances available for payment within minutes at any of the
institution’s 1,500 locations throughout Mexico.

“This partnership is a major step forward in strengthening UNO’s presence in
the Mexican market,” said Oscar Garcia, Jr., UNO Money Transfer’s chief
operating officer. “Adding Bancomer to our representative network gives UNO
widespread reach throughout the entire country and allows us to further
capitalize on a Mexico corridor business that continues to grow at a healthy
pace.

“The agreement also reflects UNO’s ongoing commitment to enhancing its product
offerings and customer service,” added Garcia. “Our clients can now benefit
from the direct service with Bancomer, which ensures their beneficiaries will
receive payment almost instantaneously. “The service also will include a
complimentary three-minute phone call to Mexico to notify family members of
the
remittance.”

For more information, please call toll free at 1-800-358-6652 or visit UNO’s
web site at www.unomoneytransfers.com.
UNO Money Transfers is a leading provider of money transmitting services to
Latin America, the Caribbean and the world. Headquartered in Miami, Fla., UNO
is licensed in New Jersey, Massachusetts, Connecticut and Florida and has a
network of more than 500 representatives and agents throughout the United
States. Internationally, UNO has representatives in North America, Central and
South America, the Caribbean, most of Europe, as well as several countries
throughout Africa, Asia and the Middle East.

Cap One Purchase

Capital One Financial has agreed to acquire AmeriFee Corp, a major provider of patient financing solutions for elective dental, orthodontic, vision and cosmetic procedures. Cap One is paying $81.5 million for the acquisition, with $65 million to be paid in cash and the remainder in common stock. Cap One will also make additional payments for hitting performance targets. AmeriFee, a privately held company with more than 160 employees based in Southborough, MA, will become a wholly owned subsidiary of Capital One. Current management of AmeriFee will continue to manage its operations as a subsidiary of Capital One.

Russell Leaves TSAI

Transaction Systems Architects, Inc., a leading global provider of enterprise e-payments and e-commerce software, announced that David C. Russell, president, will be leaving the company.

“We sincerely appreciate Dave’s service to the company over the past dozen years,” said Larry G. Fendley, interim CEO. “His contributions in key areas of the company, and especially his role as `customer advocate’ have helped us develop the market-leadership position we now enjoy. We wish Dave well in his new endeavors.”

“I have enjoyed my time with TSA,” said Russell. “It has been a privilege to work with people committed to excellence, and to doing it on a global scale. The franchise is well-positioned for the next stage of success.”

About Transaction Systems Architects, Inc.

Transaction Systems Architects’ software facilitates electronic payments by providing consumers and companies access to their money. Its products are used to process transactions involving credit cards, debit cards, secure electronic commerce, mobile commerce, smart cards, secure electronic document delivery and payment, checks, high-value money transfers, bulk payment clearing and settlement, and enterprise e-infrastructure. Transaction Systems Architects’ solutions are used on more than 3,700 product systems in 78 countries on six continents.

CRYSTAL MULTOS

Innovation and networked economy consultancy Crystal
Innovation, today announced that it has joined the MULTOS Global Supplier
Network. The Crystal Catalytic Process will enable MULTOS Issuers to identify
opportunities for the creation of innovative multi-application smart card
applications.

The process, starting from the very beginning of the product development
process enables card issuers to unlock the knowledge held within their
organisations and start realising its value. Using a proprietary collaborative
working environment, the Crystal Catalytic Process accelerates product
development by stimulating creativity in all participants. It then supports
selection, validation and testing of the concepts prior to driving the
business
solutions through to completion in a highly compressed timescale.
“The Crystal Catalytic Process is unique in taking organisations from the very
start of the development process.” Says Richard Cooper of Crystal Innovation.
“Unlike most consultancies and suppliers, we have expertise in drawing out
fledgling concepts and developing them into solid business propositions”
The synergy between the Crystal Catalytic Process and the MULTOS operating
system are clear, MULTOS provides the flexibility within the card operating
system and Crystal can help issuers make the most of it. Crystal’s unique
Catalytic Process will help card issuers using MULTOS to deliver innovative
multi-application smart card solutions in a fast, effective and robust manner,
focussing on creating sustainable business advantage.
About Crystal Innovation Limited
Crystal Innovation enables clients to create new business opportunities that
will be at the leading edge of their industry, by combining collaborative
working, client industry knowledge and extensive experience of innovative
processes.

Crystal are experts in the disciplines of knowledge management, balanced
scorecard, strategy, process, and facilitation, using technology to work both
smarter and faster. It’s methodologies have been developed and implemented
with
a variety of blue chip companies since 1996, including Nationwide, British
Airways, Mg technologies ag, TetraPak, Lotus Professional Services, Danske
Bank
and Severn Trent.

Crystal is made up of a multidisciplinary team that combines knowledge,
experience and energy in their approach and work style. It has a diverse
client
base across Europe, and has offices in London and Oslo. For further
information, please contact Richard Cooper, Crystal Innovation +44 (0)207
592
0437, e-mail [email protected]
About MULTOS/MAOSCO
MULTOS is a highly secure multi-application smart card operating system
specification and supports a wide range of applications including e-cash, PKI
and interactive loyalty. This open standard is managed and developed by a
consortium of 13 of the worlds leading smart card companies, and is the only
commercial operating system to attain the security requirements of ITSEC
E6-high. (ITSEC is an independent and rigorous security evaluation scheme
supported by more than 14 countries worldwide, whose results are openly

published.) Third party software developers provide a broad catalogue of
MULTOS
applications and value-added services for card users and issuers that can be
deployed consistently across all implementations of MULTOS. Leading the
booming
m-commerce market, the MULTOS hosted SecureSIM environment provides the
world’s
most secure multi-application SIM card for mobile phones. For more information
about MULTOS, visit www.multos.com.

Fujitsu ATM Deal

Fujitsu-ICL Systems Inc. announced that Foreline Security Corp., one of the United States’ largest independent integrators of financial and commercial security equipment, has chosen the full line of Fujitsu automated-teller machines as the first ATMs ever offered by the Tampa, Fla.-based company. Foreline Security is selling the Fujitsu Series 7000 and Series 8000 ATMs because of customer requests for a line of automated-teller machines, said Ray Scannapieco, vice president and general manager of Foreline. Fujitsu’s Series 8000, introduced in November 2000, is the first full-scale, Web-enabled ATM based on the Microsoft Windows(R) 2000 operating system.

“Foreline has been in business for 40 years, and our customers — banks and credit unions — have asked us for an ATM product that is reliable, secure and high-quality. Fujitsu’s ATMs are just that,” said Scannapieco. “We chose the Fujitsu ATMs as the first ATMs Foreline’s ever offered because we want to sell automated-teller machines that we consider wise investments for our customers. This is a long-term commitment on their part, and they must be certain of the quality and reliability of their purchases.” Foreline, which integrates all banking and security equipment for customers, sells, installs and services the Fujitsu ATMs, and offers support and training to Fujitsu ATM owners and operators.

Foreline’s decision to sell the Fujitsu Series 7000 and Series 8000 family of ATMs speaks to the known reliability of Fujitsu’s full-scale ATMs, said Neill Collins, Fujitsu-ICL’s vice president of sales for financial systems. “Foreline is a very respected company, and it is a true compliment that they have chosen Fujitsu’s as the first line of ATMs offered in the company’s history,” said Collins. “This is a good fit for both companies.” Fujitsu-ICL services and supports Fujitsu-branded ATM hardware and turnkey hardware/software solutions via direct and indirect distribution channels. The company also offers customer-support services, including hardware support and repair; ATM integration, installation and rollout; call center and help-desk support.

About Foreline Security Corp.

Foreline Security Corp., based in Tampa, Fla., was founded in 1961 as a family-owned printing company specializing in banking records. Today, Foreline is one of the United States’ largest, independent integrators of financial and commercial security equipment. Foreline offers vaults, safes, night depositories, pneumatic drive-in equipment, ATM equipment, under-counter steel, bullet-resistant enclosures and security portals. Additionally, Foreline installs electronic-security systems, including integrated high-rise access control with digital closed-circuit TV systems accessible from any secure PC, no matter the geographic location. The company also offers security-monitoring services. Web site: [www.foreline.com][1]

About Fujitsu-ICL Systems Inc.

Fujitsu-ICL Systems Inc. is a wholly owned subsidiary of Fujitsu Limited (TSE: 6702), a leading provider of Internet-focused information technology solutions for the global marketplace. The company specializes in transaction-based solutions for the retail and financial systems markets. The company has almost 30 years experience in providing hardware/software solutions and services for retail point-of-sale (POS), specialized mobile computing and automated-teller-machine (ATM) applications. Its customer relationship management (CRM) solutions enable Fujitsu customers to build high-value, personalized relationships with consumers. Web sites: [www.fjicl.com][2], [www.fujitsu.com][3]

[1]: http://www.foreline.com/
[2]: http://www.fjicl.com/
[3]: http://www.fujitsu.com/

New Select Member

Customers of Los Alamos National Bank now can receive cash without having to pay a convenience fee by using their debit cards at ATMs owned by financial institutions participating in the PULSE Select ATM program.

The alliance, through which banks, credit unions and savings and loans offer each others’ ATM cardholders a greatly expanded number of ATMs at which they can access their cash without paying a convenience fee, is endorsed by the Independent Community Bankers Association of New Mexico, of which the Los Alamos National Bank is the largest member.

Typically, customers can use ATMs owned by their own financial institution at no charge, but when they use a machine owned by another financial institution, consumers may be assessed a surcharge, or convenience fee.

“Our participation in the Select ATM program allows us to better serve our customers as they travel across the state and throughout the country,” said Chuck Shull, Los Alamos National Bank vice president. “Through our branch offices, drive-through locations and our own ATMs, we were able to meet the banking convenience needs of our customers,” he said. “But becoming a member of this alliance greatly increases our debit cardholders’ opportunities to conduct transactions quickly, economically and securely wherever they are.”

“We are pleased to welcome Los Alamos National Bank as a major participant in the Select ATM program,” said Leah Huffmeister, senior vice president for PULSE. “The commitment exemplified by such a prestigious and influential banking institution is truly a compliment, and emphasizes the importance of electronic banking to community bankers and their customers,” she said. Launched in 1999, the Select ATM program now encompasses ATMs owned and operated by nearly 50 financial institutions in six states. “Community banks, savings and loans and credit unions form the core of the alliance, which helps them provide convenience similar to that offered by larger financial institutions,” Huffmeister said. However, she noted that participation in the surcharge-free group is open to all PULSE member financial institutions on a non-discriminatory basis.

PULSE is a financial industry-owned, not-for-profit shared electronic funds transfer network linking an estimated 60 million cardholders with more than 76,500 ATMs and 300,000 point-of-sale merchant locations throughout the United States. Its members include more than 2,800 banks, credit unions and savings and loans in a 22-state primary service area blanketing the central, south, midwest and southwest regions of the United States. PULSE has become well known in recent years as a recognized resource for consumer research related to EFT services, and an effective national public policy voice on issues of importance to the financial industry. Visit PULSE online at [www.pulse-eft.com][1].

[1]: http://www.pulse-eft.com

ETA Board

U.S. Wireless Data, Inc. announced that its Chairman and CEO, Dean M. Leavitt, has been elected to the board of directors of the Electronic Transactions Association.

The ETA is the leading international trade association serving the needs of organizations offering transaction processing products and services. Its members handle the vast majority of all merchant-generated electronic payment transactions conducted in the United States.

“Executives of Dean’s caliber are always a valuable asset to the success of this organization,” stated Jim Plappert, president of the ETA Board of Directors. “However, it is particularly relevant in this case. Dean brings the perspective of wireless data transport, which is truly becoming a viable, cost-saving alternative to landline technology for our members. I am confident that his expertise and leadership will accelerate the benefits that this revolutionary technology can bring to our industry.”

“I am pleased to have been elected to the board of an association that has played such a key role in the evolution of electronic payment transactions,” said Leavitt. “Obviously, our membership recognizes that wireless data transport is no longer just a niche technology. I look forward to playing a meaningful role in furthering the ETA’s mission and continued development.”

About Electronic Transactions Association

ETA is the leading international trade association representing organizations offering electronic transaction processing products and services. Its membership represents leading companies providing services between merchants and settlement banks, financial institutions and businesses providing equipment or services to the industry. ETA was organized in 1990 to influence policy within the industry by providing leadership through education, advocacy, and the exchange of information.

About U.S. Wireless Data, Inc.

U.S. Wireless Data, Inc. ([www.uswirelessdata.com][1]), founded in1991, markets proprietary technology that brings together three large, rapidly growing industries – transaction processing, wireless data transport and the Internet – to enable wireless payment processing. The company’s Synapse(sm) platform provides a gateway among all of the parties within a wireless point-of-sale (POS) transaction. This enables businesses that require mobility (i.e., not tethered to a telephone line), or fixed-location business that seek faster transaction speed, to accept wireless point-of-sale payments. By providing a seamless interface among merchants’ POS terminals, wireless carriers and card processors, credit, debit and other card transactions can be processed as fast as cash, without the cost and inconvenience of a telephone line. In addition, Synapse’s Internet-based tools offer on-line, real-time transaction monitoring, remote diagnostics and automated terminal activation. The company is headquartered in New York City.

[1]: http://www.uswirelessdata.com/

Providian Award

Two years to the month after initiating an overhaul of its customer satisfaction and marketing programs, Providian Financial Corporation has been recognized for its efforts by being awarded the Rochester Institute of Technology/USA TODAY Quality Cup for 2001. Providian, which was honored in the service category, was selected from among 146 nominees, including other Fortune 500 companies and business organizations, for the annual award. A panel of RIT faculty, other academics, and industry quality experts made the selection.

“Winning the Quality Cup is a testament to the hard work and commitment of all 13,000 Providian employees who have rededicated themselves to providing the highest levels of customer service,” said Providian CEO Shailesh Mehta. “While we continue to look for ways to make improvements, we are all very proud to have been recognized for our efforts.”

In May 1999, the Company began an effort to become an industry leader in customer satisfaction. Providian has implemented more than 200 changes in customer outreach, complaint handling, marketing and direct mail practices and its Web site. Since initiating the program, which was designed to ensure clarity in product promotion, provide the fastest possible response to customer inquiries, and increase customer satisfaction, Providian has boosted its account base by 60 percent to more than 17 million, cut customer complaints by 40 percent, and increased customer retention. Independent research conducted by Barry Leeds & Associates finds that nearly nine of out ten Providian customers would recommend Providian to a friend.

Providian also was recently recognized by BusinessWeek magazine as number six among all U.S. companies in the annual BusinessWeek 50 rankings. In March, it also received the “Corporate Advocate of the Year Award” from the Child Welfare League of America.

Award Judges Praise Providian’s Complaint Resolution System In selecting Providian, award judges told USA Today of the Company’s commitment to rapid resolution of complaints, enhanced training of its customer representatives, and convenient, new on-line and telephone payment programs that help customers avoid fees for late payment.

“They have a policy of guilt-free escalation for sales reps: A customer’s questions and complaints can go straight from a supervisor all the way to the CEO. There is a real system in place for customer service response,” said judge Gary Bonvillian, dean, School of Business and Professional Studies, Mesa State College, Grand Junction, Colorado.

Providian requires its 7,000 customer service representatives to ask each customer if they are fully satisfied at the end of every telephone conversation. If a customer says “no,” he or she is given the option of speaking to a supervisor.

Customers Show Support by Sticking with Providian Marc Loewenthal, senior vice president and chief privacy officer for Providian, said the Company’s efforts have struck a strong chord with customers as evidenced by significant gains in customer retention as well as internal satisfaction surveys.

“Our industry is highly competitive and our customers have many opportunities to take their business elsewhere. Very few are choosing to do so,” Loewenthal said. “We are honored by our customers’ loyalty, which is a tribute to the customer service people of Providian.” San Francisco-based Providian Financial ([www.providian.com][1]) is a leading provider of lending and deposit products to customers throughout the U.S., and offers credit cards and deposit products in the UK and in Argentina. Providian Financial has been named one of America’s Most Admired Companies in a survey by Fortune magazine, one of the nation’s top financial institutions by U.S. Banker magazine, and one of the most technologically innovative companies in the U.S. by InformationWeek magazine. The Company has more than $33 billion in assets under management and over 17 million customer accounts.

[1]: http://www.providian.com/

E-25 Reader

SCM Microsystems this week introduced the first personal multi-functional smart card reader which provides for contactless payments. The company also announced it has received its first order for the new reader. The ‘E-25’ reader can be kept around a person’s neck as a corporate badge or simply attached to a belt. The reader features a keypad for secure PIN code entry and an LCD to read data from the card. It also features a transmitter to open doors, access courses for students or facilitate payment in cafeterias or on public transportation. The ‘E-25’ can also be connected to a computer via USB or RS-232 serial ports for conventional smart card applications such as secure authentication to networks, Internet payment or e-couponing downloads and loyalty applications. Dalmatinska Bank Zadar in Croatia has ordered more than 100,000 ‘E-25’ readers for their secure Internet banking implementation based on PKI.