The partnership between VISA U.S.A., Welcome Real-time, and Catuity, formed in April, has produced a suite of technology components being developed to enable network-independent rewards services for chip-based “smart VISA” cards issued in the USA. The “Multi-Network Rewards Solution” includes software applications for payment and rewards services on cards and POS devices. The solution also includes a “Card Care” system that allows “smart VISA” issuers to integrate with multiple hosts and efficiently support cardholder customer-service functions via call centers and Web sites. The “Multi-Network Rewards Solution” is expected to be available beginning the first quarter of 2003. It is being demonstrated this week at the Cartes show in Paris.