ACCEL/Exchange & Acculynk Pilot PIN Debit

Fiserv’s ACCEL/Exchange Network and Acculynk have
partnered in a pilot program for processing of PIN debit
transactions initiated through the Acculynk “Internet PIN Debit”
service. Consumers enter their card number and associated information as they
normally would at the merchant checkout, and the PIN is entered on Acculynk’s patented graphical, scrambling
PIN-pad. The PIN is then encrypted and processed securely, along with the card information, across the ACCEL/Exchange
Network. Internet PIN Debit enables real-time, guaranteed payments to online merchants with the benefit of
comparatively lower acceptance costs, reduced fraud and
charge-backs, and 1-2 day settlement.

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NCR Q3 Revenues Rise 8% as Profits Soar

NCR reported third quarter revenue of $1.38 billion, an 8% increase
over 3Q/07 and net income of $82 million compared to $33 million in the
year-ago quarter. Revenues in the Asia-Pacific-Japan region increased by
14%, driven by sales in China and Japan. In the Americas region revenue
grew 9% from 3Q/07 primarily due to increased sales to financial
institutions. In the Europe-Middle East-Africa region,
revenues increased 4% year-over-year. During the quarter NCR racked up
more sales for its new “NCR SelfServ” ATM product, with over 8,000 units
ordered by more than 230 customers worldwide year-to-date. Earlier this
month, NCR introduced its latest POS workstation, the NCR “RealPOS
70XRT.” NCR also extended its self-service portfolio further into the
international healthcare market with the introduction of its
China-customized patient registration and payment solution, “NCR
MediKiosk”. NCR projects 2008 year-over-year revenue growth of 8% to 9%.
For more details on NCR’s third quarter results visit CardData
([www.carddata.com](http://www.carddata.com)).

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CyberSource Revenues Double+ in 3Q/08

CyberSource posted record third quarter revenue of $57.7 million, a
117% increase over 3Q/07. During the quarter, the Company processed 469
million billable transactions, a 63% increase over the same period the
previous year. The value of transactions processed was $27.5 billion, a
130% increase over 3Q/07. CyberSource’s European operations processed a
record 103.0 million transactions in the third quarter, an increase of
87% over the same period last year. During the quarter CyberSource
generated $20.1 million of global acquiring revenue, adding 1,100 new
acquiring customers, and now has a total of 4,000 global acquiring
customers. The Company also signed a record 27,000 new customers in the
quarter increasing the active customer base to about 245,000. For
complete details on CyberSource’s 3Q/08 performance visit CardData
([www.carddata.com](http://www.carddata.com)).

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PAYZONE/SCHLECKERPA GIFT CARD

Ingenico’s consolidated revenue for the third quarter rose 39% to 190 million euros, driven by the integration of Sagem Monetel. In Asia/Asia Pacific sales were up 7%, due to rising sales in China and by Fujian Landi. Northern Europe was up 57% driven by sales in Germany while Southern Europe gained 31% year-on-year. The EEMEA zone sales climbed 115% due to increased sales in Turkey, India, the Middle East, Africa and Eastern Europe. In North America sales grew by 8% as Canada reported a very good performance as the U.S. market continues to struggle with a more difficult economic climate. Third quarter sales in Latin America rose 33% despite a weak start. Ingenico also confirmed its yearly revenue growth objectives of between 7% and 10% pro forma at constant exchange rates. For complete details on Ingenico’s third quarter performance visit CardData (www.carddata.com).

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Ingenico’s 3Q/08 Revenue Leaps by 39%

Ingenico’s consolidated revenue for the third quarter rose 39% to $239
million, largely driven by the integration of Sagem Monetel. In
Asia/Asia Pacific sales were up 7%, due to rising sales in China and by
Fujian Landi. Northern Europe was up 57% driven by sales in Germany
while Southern Europe gained 31% year-on-year. The EMEA zone sales
climbed 115% due to increased sales in Turkey, India, the Middle East,
Africa and Eastern Europe. In North America sales grew by 8% as Canada
reported a very good performance as the U.S. market continues to
struggle with a more difficult economic climate. Third quarter sales in
Latin America rose 33% despite a weak start. Ingenico also confirmed its
yearly revenue growth objectives of between 7% and 10% pro forma at
constant exchange rates. For complete details on Ingenico’s third
quarter performance visit CardData ([www.carddata.com](http://www.carddata.com)).

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NECTAR AWARD

Trillium Software’s client, Nectar Card has
been judged a runner-up in Data Strategy magazine’s 2008 award for ‘Best
Data Quality Initiative.’ In 2007, Nectar mailed over 10 million
collectors with new loyalty cards replacing ones up to five years old in the largest ‘recard’ mailings in Europe. For each
collector, a personalised card and later a pack was produced. These had
then to be matched together and mailed. In the intervening weeks however, there
were 300,000 suppressions on the grounds of data latency. Using the Trillium Software
System, Nectar identified these suppressions saving around £150k in production
and mailing costs. Harte-Hanks Trillium Software enables organisations to achieve Total
Data Quality by providing a full complement of technologies and services providing
global data profiling, data cleansing, enhancement, and data linking.

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AEIS Names an Operations/Program Manager VP

American Express Incentive Services has promoted Dan Easley to VP,
operations and program management. In his new role, Easley will use
collaborative leadership and an in-depth approach to solving business
challenges to lead AEIS’ process enhancement initiative and identify
opportunities for improved client services.
Easley joined AEIS in 2006 after nearly 20 years in manufacturing
operations, where he empowered teams to streamline processes, increase
quality, and reduce costs. As plant manager for Federal Mogul, Easley’s
work to convert plant technology and identify new business opportunities
resulted in the company securing a $20 million contract with Ford Motor
Company. AEIS is a a joint venture between American Express Travel Related Services
Company Inc. and Maritz that provides business-to-business reward
solutions including stored-value cards, American Express Gift Cheques
and a Web-based reward management tool.

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FTC’s Operation Clean Sweep Snags 33

The FTC and 24 state agencies in 22 states announced a crackdown on 33
credit repair operations. The FTC’s “Operation Clean Sweep” charged
seven organizations with violations of “FTC ACT” and the “Credit Repair
Organizations Act.” The companies that allegedly engaged in unlawful
business practices include: FL-based Nationwide Credit Services, Inc.;
FL-based Clean Credit Report Services, Inc.; CA-based Successful Credit
Service Corporation; IL-based Advantage Credit Repair LLC; FL-based RCA
Credit Services, LLC; FL-based Latrese & Kevin Enterprises, Inc.;
FL-based ACE Group, Inc. “Operation Clean Sweep” also includes three FTC
cases announced earlier this year: Home Buyers Consulting Network, Inc.,
Payneless Credit Repair, LLC, and Lee Harrison Credit Restoration.

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Union Bank of Calif Offers MC’s Easy Savings

San Francisco-based Union Bank of California has introduced the
“MasterCard Easy Savings” that offers MasterCard small business
card holders
automatic savings on a variety of goods and services every time they use
their card
for qualified purchases at participating U.S. merchants. The program
includes
products and services from airline, hotel, restaurant and other business
categories. UnionBanCal Corporation is a bank holding
company with assets of $62.6 billion at September 30, 2008.

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GEMALTO 3Q/08

Smart payment card specialist Gemalto reports that revenue grew 10% in the third quarter, at constant exchange rates, to $536.2 million with double digit growth in the Secure Transactions and Security segments. Secure Transactions posted strong revenue growth of 18% to $145.0 million in the third quarter driven by continued progress in global EMV migration. Large-scale EMV and contactless payment roll outs, especially in EMEA and the Americas, as well as Pay-TV shipments in EMEA more than offset the selective approach practiced in the Transport activity. Personalization services were up 33%, with all regions contributing to the expansion. Gemalto’s POS terminals business is progressively returning to a normal level of activity, after solving an issue related to a faulty component detected in its contract-manufacturer’s supply chain. The POS Terminal unit was down 32% year-on-year. The Company is projecting revenue growth at constant exchange rates for 2008 to be within the 8% to 12% range. For complete detals on Gemalto’s latest results visit CardData (www.carddata.com).
For complete details on Gemalto’s latest performance visit CardData (www.carddata.com).

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GLOBALPLATFORM & MONETECH

Smart card developer GlobalPlatform welcomes another Consultant Member with the addition of Monetech.
As a Consultant Member, Monetech is entitled to participate in
GlobalPlatform’s Advisory Council and its Mobile and Government Task
Forces. This allows the company to contribute to debates about the
priorities and activities of the association, as well as offering a
platform for Monetech to provide on-going market and application
specific guidance to GlobalPlatform’s members. Monetech focuses on innovative projects based
on smart cards and secured transactions applied to payment, public
transport and telecoms.

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U.S. Travel Expenses to Rise 3% in 200

American Express says that based on forecasted economic conditions for
2009 and the substantial increase in fares already experienced this
year, it is possible that airfares in 2009 may decrease between 3% and
5%. However, this doesn’t necessarily correlate to a decrease in prices
paid as airlines continue their pursuit of expanding the suite of fees
charged for services such as in-flight meals and baggage. In addition to
the proliferation of new fees is the delicate balance between supply and
demand. Considering airfare, car rental and hotel stay, AmEx expects the
average domestic trip to increase 2.8% to a total of $1139, An increase
of 4.3% is expected for international trips to bring the average cost to
$3556. American Express Business Travel suggests that companies revisit
their travel policies to ensure that travelers have a comprehensive
guide to navigate the current travel environment.

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