Telefyne & Q Comm

FL-based Telefyne Incorporated is promoting Q Comm’s Qxpress 200 POSA solution. Q Comm has already shipped new Qxpress 200 units to Telefyne and will continue to roll out additional units as needed. Telefyne is a facilities-based carrier and switch-based reseller of prepaid services that primarily targets retail and wholesale resellers. The company focuses on serving retailers and has amassed more than 4,500 retailers nationwide that it supplies directly in addition to about 15,000 more that it supplies indirectly through its distributors.

MOBILE PAYMENT PLATFORM

Vodafone Group Plc and T-Mobile International AG announce an
initiative to create an interoperable mobile payment platform to accelerate
customer and merchant adoption of mobile transactions. The companies are
planning to launch the open platform toward the end of the year, with an
initial roll out in Germany and the UK. Vodafone and T-Mobile hope that other
operators will join them in launching the payment platform.

The payment scheme will deliver a secure and easy-to-use payment solution
for the purchase of goods and services via a mobile device. Wireless
customers simply store their personal details and preferred payment options in
a virtual wallet, and then choose which payment instrument they wish to use
when making payments via their mobile phone, similar to undertaking a
transaction from a conventional wallet.

Multiple payment options will be available including traditional credit
and debit cards, making transactions possible with any participating merchant
of the scheme. It is also possible, as part of this scheme, that smaller
purchases will be billed direct either to the customer’s bill, by pre-paid
top-up card or using other micro payment mechanisms. The aim of the scheme is
to provide an end-to-end experience that is convenient, secure, user-friendly
and trustworthy.

Thomas Geitner, Chief Executive, Global Products and Services, Vodafone,
said, “An open, interoperable platform for mobile payments will be a
significant enabler of m-commerce, enhancing the array of content, services
and commerce options available to customers. Our goal is to bring additional
value to customers by turning their mobile phones into convenient wallets. We
believe mobile customers should be able to use their devices as a payment
tool, much as they use their credit or debit cards or cash today.”

“There is a strong need for industry synergies to drive the usage of
mobile data services,” said Nikesh Arora, Executive Board Member, New
Business, T-Mobile and CEO, T-Motion. “We see a global vision to make the
mobile device multifunctional, a phone “too” approach -consumers using their
devices for phonecalls, as a games console, a messaging terminal or a virtual
wallet. We aim to offer a seamless end-to-end solution for consumers and
enterprises and integrating commerce into that solution is a key milestone.”

Encorus Technologies, owned by eONE Global, is working with the operators
on this initiative by combining its PaymentWorks(TM) software with the
payments expertise of First Data Corp (NYSE: FDC), the world’s largest payment
processor and eONE Global’s largest investor.

About Vodafone

Vodafone is the world’s largest mobile operator with over 100m
proportionate customers worldwide operating in 28 countries across 5
continents.

About T-Mobile

Since early 2000, the majority global mobile communication activities of
the Deutsche Telekom Group have been coordinated under the roof of T-Mobile
International AG, one of the world’s largest GSM telecommunications providers.
The acquisition of the U.S. mobile communication providers VoiceStream and
Powertel, represents a key milestone in the company’s internationalization
strategy. With six UMTS licenses T-Mobile will continue to establish its
footprint and gain competitive advantage through its commitment to mobile
data. T-Mobile focuses on two core product areas for mobile data services —
T-Mobile online, focusing on consumer services, and Mobile Business Solutions,
a business-to-business product unit delivering wireless office applications to
the corporate user.

About eONE Global

eONE Global LP ( ) identifies, develops, and operates
emerging payment systems spanning the business, government and mobile markets.
Its operating companies include: govONE Solutions, LP
(http://www.govONEsolutions.com ), which enables businesses and consumers to
calculate taxes and make payments to government and businesses electronically;
Taxware (http://www.taxware.com ) a division of govONE Solutions, is a leading
developer of worldwide commercial tax compliance systems; Encorus Technologies
(http://www.encorus.com ) which is focused on building a flexible and open
infrastructure and developing efficient payment processing services to drive
the acceptance and usage of mobile payments worldwide; and SurePay, LP
(http://www.surepay.com ), which creates electronic business payment solutions to
complete the financial supply chain for enterprises. eONE Global is owned by
global payment services leader First Data Corp. (http://www.firstdata.com ) and
iFormation Group, (http://www.iformationgroup.com ) a company founded by The Boston
Consulting Group, General Atlantic Partners, LLC and The Goldman Sachs Group

Trintech Signs PRE

Trintech Group Plc, a global provider of secure payment infrastructure solutions, announced that PRE Solutions, Inc. has selected Trintech as the infrastructure provider of software and hardware for their next generation multinational prepaid transaction processing system.

As part of the agreement, PRE Solutions will use Trintech’s PayWare 9300i terminals and PayWare PrePay Host software to manage the distribution of prepaid cellular services, prepaid long-distance products, prepaid Internet access and other prepay applications in a wide range of retail outlets, known as replenishment points. The Trintech platform will enable PRE Solutions to more efficiently manage the routing and balancing of the rapidly increasing volume of prepay transactions the company processes each day.

In the initial phase, PRE Solutions will deploy Trintech electronic payment terminals in outlets that range from grocery and convenience stores to check cashing locations and gas stations. PRE Solutions expects its replenishment network to grow substantially in the next few years.

Trintech’s highly scalable prepay solution is designed to support a wide range of prepay products including disposable and reloadable schemes. Going forward, Trintech will work closely with PRE Solutions to deploy other prepay applications as the rapidly expanding market for prepay services continues to evolve. These services may include loyalty programs, stored value cards, cable service, utilities, and more.

“Trintech has proven to be an ideal partner for PRE Solutions and we are looking forward to a fruitful on-going relationship,” said Richard Hebert, Chief Technology Officer at PRE Solutions. “Our aim is to provide consumers with an easy-to-use, one-stop environment that meets all of their prepaid replenishment needs. With Trintech’s PayWare technology we can now offer our customers the enhanced services they are requesting.”

“We are delighted to have been chosen by PRE Solutions for the roll-out of this exciting project,” said John Harte, Group EVP at Trintech. “Our end-to-end PayWare infrastructure is ideally suited to the exacting demands of the prepay environment. With multiple applications supported across a variety of retail outlets, we believe PRE Solutions will harness the true potential of the growing prepay market in the US.”

About PayWare PrePay

PayWare PrePay is a comprehensive and proven solution that provides electronic purchase, top-up or replenishment of cellular prepay, long distance calling cards and many other prepaid accounts and services. Currently many prepaid services rely on the distribution of vouchers or scratchcards. PayWare PrePay replaces this costly and inefficient paper-based distribution with an online point of sale solution that improves profitability, reduces theft, requires no stock and improves cash flow throughout the distribution chain. PayWare PrePay enables retailers and merchants to deliver multiple transactions through a single point-of-sale device or terminal. The solution also supports integrated point-of-sale, call center, IVR and Internet prepay transactions.

About PRE Solutions

Based in Norcross, GA, PRE Solutions, Inc. is a leading provider of prepaid transaction processing solutions to retailers and providers of goods and services. To retailers PRE Solutions offers highly profitable, convenient, secure and easy-to-use point-of-sale systems for processing the sales of numerous prepaid products by multiple providers. To providers of prepaid products, PRE Solutions offers cost-efficient access to an international distribution network of replenishment partners and a robust transaction processing system.

The PRE Solutions system features real-time product delivery, transaction accounting and reporting, and accelerated payment transfer-all within the most secure and reliable processing environment in the industry. PRE Solutions’ current prepaid wireless providers include Cingular Wireless, VoiceStream Wireless, AT&T Wireless, ALLTEL and CallPlus. The company also offers prepaid Internet service through Slingshot, Inc., prepaid home telephone service via 1-800-RECONEX and prepaid long-distance from several national providers. PRE Solutions’ lead investor is ITC Holding Company, the primary investment sponsor of a number of successful companies, including Telecom*USA, Powertel, MindSpring, ITC^DeltaCom, Headhunter.net, and Knology. PRE Solutions can be contacted at 520 Guthridge Court, Suite 100, Norcross, GA 30092 (Tel: 770-349-2300). PRE Solutions can be reached on the Web at [http://www.presolutions.com][1]

About Trintech

Founded in 1987, Trintech is a leading provider of secure electronic payment infrastructure solutions for card-based transactions for physical world commerce, eCommerce and mobile commerce. The company offers a complete range of payment software products for credit, debit, commercial and procurement card applications, as well as being a world leader in the deployment of payment solutions for Internet commerce that are fully SSL and SET� compliant. Trintech’s range of scalable open systems architecture solutions for UNIX® and Windows NT� platforms covers consumer, merchant and financial institution requirements for physical payments and the emerging world of electronic commerce. Trintech can be contacted in the U.S. at 2755 Campus Drive, San Mateo, CA 94403 (Tel: 650-227-7000) and in Ireland at Trintech Building, South County Business Park, Leopardstown, Dublin 18 (Tel: 353-1-207-4000). Trintech can be reached on the Web at [http://www.trintech.com][2].

[1]: http://www.presolutions.com/
[2]: http://www.trintech.com/

Minneapolis Air Miles

The Minneapolis Downtown Council announced a new program in which downtown Minneapolis shoppers can earn free Northwest Airlines WorldPerks miles during the holiday season. Under the “FLYBUY” program shoppers will earn 100 miles for every $100 they spend at participating stores.

“The Downtown Council has created this unprecedented offer to encourage people to shop downtown and to return travelers to the air which will help Northwest Airlines, an important partner in our regional economy,” said Sam Grabarski, president and CEO of the Minneapolis Downtown Council.

Shoppers will earn one hundred miles for every $100 purchase, up to 2,000 miles. Shoppers can combine these miles with the miles they earn for purchases made using their WorldPerks Visa(R) and earn a free trip even faster.

To receive the miles, shoppers must make their purchases during the FLYBUY promotion (Nov. 23 – Dec. 26) and bring their receipts from participating stores to the Downtown Council booth located on the main floor of City Center, next to the customer service center. The receipts will be totaled and the purchaser will be given a 100-mile voucher for every $100 spent, up to 2,000 miles. The Downtown Council booth is open from 10 a.m. to 8 p.m., Monday through Saturday, and noon to 7 p.m. on Sunday.

For more information on “FLYBUY”, visit [http://www.downtownminneapolis.com][1] or call 612-338-3807.

Participating Stores

Department Stores All Gaviidae Stores Other Stores
Neiman Marcus Ann Taylor2nd Wind Exercise
Equipment
Saks 5th Avenue Aveda Lifestyle Store Bergstrom Jewelers
Betlach Crate and Barrel
All City Center Stores Cole – Haan Empty Vase
B. Dalton Franklin Covey Haskell’s Big Cheese
Company
The Body Shop Gaviidae Convenience JB Hudson Jewelers
CCI Wireless Gaviidae Pendleton Nick’s Sports World
Champs Sports Jessica McClintock Open Book
Christmas Corner jv & Company Polo Ralph Lauren
City Convenience Lin Co. Schmitt Music
Company
Claire’s Boutiques Masters of Light Gallery Shinder’s
Elite Fragrances The Museum Company Walgreen Company
Eunice Children’s Paradise Naturalizer Witt’s Liquor
Fanny Farmer Presence
Foot Locker S. Vincent Jewelry Design
Studio
General Nutrition Center St. Croix Shop
GMCVA info. Center Talbots
Goodfellows Talbots Women
Hallmark URBAN Traveler
Jennico Van Haveren’s Flowerworks
KB Toys Vitamin World
Lady Foot Locker
Marshalls All IDS Crystal Court Stores
Minnesota Mania Afterthoughts
Office Depot Badiner Jewelers
Paper Post Banana Republic
Payless Kids Gap
Payless ShoeSource Gap Kids
Planet Games Godiva Chocolatier
Princess Jewelry Hubert White
Radio Shack Love From Minnesota
Ritz Camera Ritz Camera
Sam Goody Sterling Optical
Twinstown TJ Maxx
Wilcock Gallery ValuPlus
Wilson’s Leather VoiceStream Wireless
William Sonoma

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

Marshall to Blackstone

Blackstone (), one of the nation’s leading electronic providers of prepaid telecommunications products and services, Monday named John Marshall to the newly created position of president of Blackstone’s Prepaid Systems Group, a wholly owned subsidiary of Blackstone Communications.

Bringing over 25 years of experience in the electronic payment industry, John was most recently senior vice president, office of the president, for Hypercom (NYSE:HYC) (http://www.hypercom.com), a leading global provider of electronic payment solutions that add value at the point-of-sale for consumers, merchants and acquirers. In his new position, John will be responsible for the overall direction, coordination and evaluation of the Prepaid Systems Group, including the day-to-day operations, sales & marketing, and long term strategic planning.

According to John, “The opportunity that Blackstone has to quickly bring two large, but separate industries together (prepaid calling cards and credit cards) and better serve the merchant, is a ‘once in a lifetime opportunity.’ I am very happy to be a part of the Blackstone team.”

The Blackstone POS terminal, utilizing the Hypercom ICE 5500, is revolutionizing the electronic transaction industry. By integrating the processing of all major credit cards (MasterCard, Visa, American Express, Discover Card and Diners Club), ATM/bank cards and EBT (electronic benefits transfer) with the sale of prepaid cellular and prepaid calling cards into one, easy-to-use POS terminal.

Luis Arias, Blackstone’s president and chief executive officer added, “For the last several months, I have been trying to entice John to join Blackstone. I am thrilled to have him on board and look forward to announcing our major successes in the coming weeks.”

Blackstone has rapidly become one of the country’s largest providers of prepaid telecommunications products and services with over 300,000 retail locations nationwide. Established and headquartered in Miami, Florida since 1995, Blackstone is privately owned, and managed by a team of executives experienced in payment processing, networking, information services, oil & gas and prepaid telecommunications. Under their direction, Blackstone has developed ongoing distribution relationships with internationally recognized companies such as AT&T, VoiceStream, ADMA, Americatel, Cingular, Embratel, Hypercom, Qwest and Universal Savings Bank. Today, Blackstone is successfully merging two industries, prepaid telecommunications and electronic transactions, into one terminal to the benefit of merchants across the United States.

Blackstone POS are trademarks of Blackstone Communications Co., US and foreign patents pending.

Telecom eFalcon

HNC Telecommunications Solutions, a division of HNC Software Inc., announced the availability of its telecom-specific version of the eFalcon Fraud Risk Management Service to communication service providers worldwide.

As carriers increasingly allow customers to pay for services with credit cards, eFalcon can increase carrier profits by reducing lost revenues from charge-backs and by saving valid orders that appear risky.

The telecom-specific version of eFalcon uncovers payment fraud patterns in real time, protecting both consumers and businesses from unauthorized use of credit card numbers. eFalcon is the only solution to provide strategy management and customer service tools to help businesses accepting electronic credit card orders (card-not-present, or CNP, transactions) to save those transactions that appear risky, but are indeed legitimate. Companies that implement eFalcon can also set policies for accepting and rejecting transactions on a global scale, resulting in increased profits and better customer relationships.

HNC offers intelligent payment fraud detection and risk management services that enable telecom carriers to detect credit card fraud in the account pre-activation stage of customer acquisition.

“As carriers introduce new prepaid service plans and flexible credit card payment options over the Internet, they are getting hit hard with credit card fraud. Not only are they liable for losses, carriers with excessive chargebacks can even lose the right to accept credit cards. eFalcon minimizes losses and ensures that carriers can rely upon credit cards — a required payment option in today’s competitive marketplace,” said Tony Patterson, president, HNC Telecommunications.

Carriers can experience CNP fraud when accepting bankcards for pre-activation through multiple sales channels including the Internet and email, voice response units (VRUs) that accept credit card numbers keyed on touch-tone phone dial pads, traditional call centers, and faxed applications for service.

eFalcon is able to recognize the most subtle patterns associated with CNP fraud often missed by less advanced methods of fraud detection. eFalcon uses some of the same advanced technology as HNC’s credit card fraud detection solution for card issuers, Falcon(TM), which protects more than 300 million cardholders today. Falcon is used by nine of the top 10 largest Visa and MasterCard credit card issuers in the U.S., and 15 of the 25 largest bankcard issuers worldwide.

About HNC Telecommunications Solutions

HNC Telecommunications Solutions, a division of HNC Software Inc. (Nasdaq:HNCS) provides end-to-end customer solutions to over 80 wireline and wireless communications service providers that maximize the value of individual customer relationships from acquisition to retention. Carriers using HNC’s telecom solutions include Telefonica Mundo 188, S.A., Telecom Personal, AT&T Local Services; VoiceStream Wireless; Intermedia Communications; Viatel; and Sprint Communications. For more information, visit HNC Telecommunications Solutions at the HNC Web site at [http://www.hnc.com][1] or contact Kim Knouse at 858/799-3600.

About HNC Software Inc.

Headquartered in San Diego, HNC Software is the leading provider of predictive software solutions for the services industry, including financial, telecommunications, insurance and e-commerce. HNC’s suite of predictive software solutions can provide real-time insight into customer relationships based on transaction-level data, helping companies manage their relationships with individual customers. By accurately predicting customer behaviors, these companies can create initiatives to mitigate risk and attrition; improve customer service; develop marketing programs to enhance profitability, and detect fraudulent customer transactions. For more information, visit HNC’s Web site at [http://www.hnc.com][2] or contact Melinda Bateman, HNC Software Inc., 5935 Cornerstone Court West, San Diego, CA 92121, 858/799-3880.

[1]: http://www.hnc.com/
[2]: http://www.hnc.com/

Pathways Acquisition

Upgrade International Corp. has entered into a definitive merger agreement to acquire ownership of The Pathways Group, Inc. The Pathways Group Inc provides turn key solutions in the smart card arena as a full service hardware integrator, software developer and backroom transactions processor. Upgrade International said today the Pathways acquisition will mark the beginning of the transformation of Upgrade from research and development to a revenue generating group of companies, for the first time since 1998, when it acquired a stake in UltraCard Inc. Pathways said it decided to embrace Upgrade and the UltraCard technology, because it expects ‘UltraCard’ to replace other microprocessor-based technologies.

HNC Acquisition

HNC Software said Friday it has acquired privately held Systems/Link Corporation, headquartered in Cranbury, NJ. Systems/Link develops and markets mobile phone roaming data management, fraud and pre-paid billing software solutions for wireless telecommunications providers. HNC has acquired all of Systems/Link’s outstanding stock and other securities in a merger in exchange for approximately 600,000 shares of HNC common stock, including shares subject to options that will be assumed by HNC in the acquisition and $5.6 million in cash. HNC also agreed to retire $5.7 million in debt. Systems/Link’s flagship product, ‘RoamEx’, the wireless industry’s roaming data exchange network, covers more than 95% of the cellular POPs in North America for delivery of roaming calls back to home carrier target applications for fraud, pre-paid billing management, post-pay usage monitoring and other mission-critical applications.

m-Commerce Projections

Boston-based Aberdeen Group released a report this morning projecting that by 2004 there will be 74 million users of m-Commerce. Aberdeen says users want portable, localized information and personalized services and the demand for anytime, anywhere access to the Internet, declining wireless tariffs, and new mobile applications is driving the m-Commerce market. The report, entitled “Mobile Electronic Commerce: The New Economy on the Move,” examines the emerging trends, technologies, and challenges in the m-Commerce market. Suppliers profiled in the report, among many others, include Palm, MasterCard, Nokia, E-Trade, Microsoft, and Motorola.