Carl Jrs. STV Card

Carl Karcher Enterprises, Inc. and eViva Group, Inc. announce that they will test the eViva! Quick Money Card at the Carl’s Jr. restaurant located at 2401 Florence Avenue in Huntington Park, Calif. The eViva! Quick Money Card is a new ATM and stored- value card geared toward Hispanics that does not require the consumer to have identification or a bank account.

“The Hispanic community remains a priority for our company,” said Rick Fortman, executive vice president of operations for Carl’s Jr. “We are excited to test the program at our restaurant and hope that we will soon be able to offer all our guests this extra service.”

The eViva! Quick Money Card can be purchased for $5 at the Huntington Park Carl’s Jr. starting Tuesday, February 12, 2002. It is reusable and consumers may “load” it at any time at the restaurant. Through the use of an assigned PIN number, the money loaded onto the card may be immediately accessed for purchases at participating retailers. If the cardholder wishes to transfer funds to family or friends, additional cards can be purchased and sent to recipients.

According to The eViva Group, language barriers and fear and mistrust of the banking system are some of the reasons Hispanics rely on cash for daily transactions and money transfers to family and friends across the border. The eViva Quick Money Card will allow consumers to send funds via ATMs across the globe, making funds available worldwide in real time.

“While the eViva! Quick Money Card was designed with the Latino community in mind, the card can be used by anyone,” said Robert Acosta, chief executive officer of eViva Group of Santa Barbara, Calif. “It is perfect for payroll and direct deposit, college students, armed forces personnel and other entities and individuals who need to move money in a safe and convenient way through the ATM network.”

Carl Karcher Enterprises, Inc., a wholly owned subsidiary of CKE Restaurants, Inc. (NYSE: CKR), owns, operates and franchises a system of 966 Carl’s Jr. quick-service restaurants in 12 Western states, Mexico and the Philippines.


TILA and T&C

U.S. credit card issuers changing terms and conditions within the first six months of account activation could face a new challenge from cardholders in the wake a federal appeals court ruling handed down last week. The 3rd U.S. Circuit Court of Appeals unanimously reversed a ruling by U.S. District Judge Bruce W. Kauffman, giving the green light to cardholders to sue issuers under the federal Truth in Lending Act. The case was initiated by a Fleet cardholder who responded to a solicitation for a no-annual-fee card in early 2000. Six months after receiving the card, Fleet added a $35 annual fee. The complaint alleges that Fleet continued to offer the no-annual-fee card while imposing the fee to existing cardholders. Fleet argued it fulfilled the legal obligations in regard to its notification of the T&C changes, and said the account amendment was in response to rising interest rates. The ruling may be headed to the Supreme Court since it appears to reach well beyond the TILA. Cardholders have been restrained to state courts to challenge so-called “bait-and-switch” tactics. Furthermore, most major issuers now require arbitration to settle cardholder complaints.


Euronet 4Q/01

Euronet Worldwide reported revenue for the fourth quarter of $17.73 million, an increase of 28% over fourth-quarter 2000 revenues of $13.86 million. The operating results improved from a $5.01 million loss in 4Q/00 to $250,000 in operating income for the fourth quarter 2001. The Network Services Division posted a strong fourth-quarter with revenues of $14.52 million, up 43% over revenues of $10.14 million for 4Q/00. Network Services revenues for 2001 were $49.13 million, an increase of 33% over 2000 revenues of $36.91 million. At year-end, Euronet owned and/or operated a total of 2,999 ATMs, compared to 2,634 ATMs at the year end 2000. Quarterly transactions on the network increased by 26%, from 14.93 million in fourth quarter 2000 to 18.75 million in the fourth quarter 2001. Euronet owns and/or operates ATMs in Hungary, Poland, Germany, Croatia, the Czech Republic, France, the U.K., Greece and Egypt. For complete details on Euronet’s 4Q/01 performance visit CardData ([][1]).



New Wireless Terminal

Cynergy Data offers the latest technology advancement in point-of-sale processing, the new CHARGE ANYWHERE by Comstar Interactive, Inc.

The user friendly designed and compact sized CHARGE ANYWHERE allows merchants to accept wireless credit card transactions, send emails and faxes, and send and receive pages. Additional benefits offered include instant approvals on all transactions, lower processing fees, reduced fraud exposure, near real time reports, the ability to produce customer receipts, and lightweight easy mobility.

The new CHARGE ANYWHERE comes with the CHARGE ANYWHERE Manager. Using a secured password, this allows merchants to log on to Comstar’s website and see the transactions of the wireless devices, up to the minute. The manager can also export reports to Microsoft excel for billing, payroll and accounting reporting.

Beneficial to all businesses, CHARGE ANYWHERE also enables specific industries to especially flourish with the integration of this device. Among these industries are taxi services, limo services, delivery services, and general mobile services such as locksmiths, plumbers, exterminators, contractors, salesmen, etc.

“Businesses of all shapes and sizes can enjoy the full range of services offered by CHARGE ANYWHERE”, said John R. Martillo, president of Cynergy Data. “With the introduction of CHARGE ANYWHERE, Cynergy Data along with Comstar Interactive are opening new roads to opportunity by allowing businesses to process mobile credit card transactions which they were once incapable of supporting.”

“We are very excited about teaming up with Cynergy Data to sell the CHARGE ANYWHERE product”, says J.D. Gardner, CEO of Comstar Interactive Corp. “CHARGE ANYWHERE is the perfect addition to Cynergy Data’s outstanding product line”.

By the offering of this great priced first of its kind technology through Cynergy Data, merchants will encounter better business solutions along with payment solutions.

About Cynergy Data

As one of the fastest growing merchant acquirers in the nation, Cynergy Data provides an array of electronic processing options to retail, restaurant, mail order, telephone order, and Internet businesses. Services include credit, debit and EBT card processing, check conversion with guarantee, electronic gift certificate processing, and equipment leasing and sales. With corporate headquarters in New York, Cynergy Data has built a solid foundation based on unprecedented service and integrity. As Cynergy Data continues dynamic growth and maintains top position, focus of the needs held by Independent Sales Offices, representatives, and merchants remains a priority along with the ability to offer pricing, products and programs that fit today’s market.

About Comstar Interactive, Inc.

A vertically integrated wireless solutions provider, Comstar Interactive Corp. (Comstar) runs the gamut from wireless software developer to specialty integration engineering shop – all while maintaining and capitalizing on one of the largest and most valuable enterprise user bases of interactive wireless handhelds in the country. Comstar is one stop shopping for all your wireless data needs.


Supermarket Chain Goes Fujitsu

Dallas-based Fujitsu Transaction Solutions Inc. announced that three supermarket retailers, including Haggen Food & Pharmacy, a 28-store supermarket chain based in Bellingham, Wash., have selected Fujitsu’s ISS45 point-of-sale software. The supermarket retailers are also using Fujitsu TeamPoS terminals.

“ISS45 delivers the functionality and flexibility required to ensure that we quickly serve customers at the point of sale while being easy to use and integrate,” said Fred Byrum, chief information officer and senior vice president of administration at Haggen, which serves customers in Washington and Oregon. “Our imperative is to incorporate POS software that can meet the needs of today and tomorrow while seamlessly operating with our existing store-level and corporate technologies.” Additional ISS45 installations include:

— Buehler Foods Inc., a 28-store supermarket retailer, has selected Fujitsu’s ISS45 point-of-sale (POS) software and TeamPoS POS terminals. Buehler Foods serves the Midwest and is based in Jasper, Ind.

— Cosentino’s, a 20-store supermarket retailer has selected Fujitsu’s ISS45 (POS) software and TeamPoS terminals for its Price Chopper stores located in the greater Kansas City area. Cosentino’s is based in Kansas City.

— Superior Foods, a 10-store supermarket retailer, has selected Fujitsu’s ISS45 (POS) software and TeamPoS. Superior, based in Lynwood, Calif., serves the greater Los Angeles area.

Fujitsu’s ISS45 is a supermarket application that easily adapts for both turnkey use and customization. Based on open, industry-standard platforms, its modular design enables retailers to custom-configure each terminal to maximize available space and meet throughput requirements. Its built-in combination of supermarket and general merchandise features allows for a variety of store formats and integrates them into a single, seamless system. ISS45 scales economically for stores of widely different sizes and types. The TeamPoS 2000 is a point-of-sale system that adapts easily for POS, customer kiosks, multimedia displays or management terminals. Its powerful, modular construction enables the system to grow and change with the retailing environment, resulting in the elimination of costly system replacements, maintenance and upgrades. It supports Windows(R) 98, Windows NT and Windows 2000 operating systems and was the first POS platform to earn certification by Microsoft Windows Hardware Quality Labs (WHQL). Retailers can also choose from a wide range of configuration options — including wireless networking, dual displays, processors, hard drives, CD-ROM and DVD — to fit their specific in-store objectives. TeamPoS 2000 supports the most powerful POS applications for both fat and thin-client architectures. It features substantial memory and disk capabilities, plus on-board, high-speed LAN connectivity to help manage multimedia, CRM and e-business applications.

About Fujitsu Transaction Solutions Inc.

Fujitsu Transaction Solutions Inc., headquartered in Dallas, is a wholly owned subsidiary of Fujitsu Limited (TSE:6702). The company is a total lifecycle solutions supplier for North American retailers and financial services providers. Fujitsu optimizes the customer’s technology lifecycle and reduces total cost of ownership with point-of-sale (POS) hardware and software, handheld devices and applications, Web-enabled automated-teller machines (ATMs) and infrastructure services, including asset management. Fujitsu offers world-class customer-service support, call centers, product staging/integration and rapid-response rollouts. It serves customers such as Allfirst Financial, Albertson’s, Nordstrom, Recreational Equipment Inc. (REI), Safeway, Staples and U.S. Bank, among others.


GPT 4Q/01

Global Payment Technologies, Inc., a leading manufacturer and innovator of currency acceptance systems used in the worldwide gaming, beverage, and vending industries, announced its fiscal 2002 first-quarter results.

Summary of Financial Highlights
(in 000s, except per share data)
Three Months Ended December 31,

2001 2000 Change

Net Sales $8,290 $6,589 25.8%
Net Income $ 118 $ 111 6.3%
Net Income Per Share
Basic $ 0.02 $ 0.02 $ (0)
Diluted $ 0.02 $ 0.02 $ (0)

Thomas McNeill, GPT Vice-President and CFO, stated, “Given the tough economic climate, we are pleased that GPT’s fundamentals have remained strong with net income this quarter representing our fifth consecutive quarter of profitability, as well as a significant increase in revenue as compared to the year ago period. Our gross profit percentage decreased from 32.9% to 25.6%, which was the result of previously forecasted startup costs due principally to higher initial purchasing costs and product mix related to higher Argus(TM) sales. Specifically, Argus(TM) sales in the first quarter were approximately 75% of sales as compared to zero in the prior year period and 30% in our last quarter. This substantial rise in Argus(TM) sales means that we will, as previously stated, start benefiting from lower purchase prices and increased manufacturing efficiencies which should increase margins in each of our remaining three quarters this fiscal year. In addition, GPT’s operating expenses were reduced in absolute terms and as a percentage of sales from 31.6% to 24.8%. This is a testament to our cost containment efforts, as well as the hard work and effort of all GPT associates who continue being more efficient. With the expected improvement of the gross profit percentage in our second fiscal quarter, as well as our cost containment efforts, we anticipate improvement in our bottom line over this quarter.

With respect to our financial condition, which remains strong, we have achieved better utilization of assets by reducing inventory as a percentage of sales, have a current ratio in excess of 3 to 1, and maintained a high availability on our line of credit culminating December 31st with $3.7 million available on our six million dollar revolving line of credit.”

Stephen Katz, Chairman and CEO, said, “During this past quarter we have also achieved two significant milestones. First, the purchase of the remaining outstanding shares of our London affiliate has resulted in GPT becoming the sole shareholder of this profitable office and at the same time, we are consolidating some back office functions to our factory. This will permit our London sales office to focus more closely on existing customers as well as continuing to develop new business. Second, was the introduction of our new vending product called “Aurora”, at the London ATEI show in January, for which field trials are expected to commence shortly. We are excited about the opportunity this product brings to GPT, targeted at the beverage and vending currency validation market which has approximately $375 million in annual sales. These accomplishments, as well as our continued profitability reflect a clear indication that we are achieving our vision which includes diversification, growth of sales and profitability and increasing shareholder value.”

Global Payment Technologies, Inc. is a United States-based designer, manufacturer, and marketer of automated currency acceptance and validation systems used to receive and authenticate currencies in a variety of payment applications worldwide. GPT’s proprietary and patented technologies are among the most advanced in the industry.

For complete details on GPT’s 4Q/01 performance visit CardData ([][1]).



PayByCheck Biometrics

ITI Services, Inc., a leading payment processor, announced that it has teamed with DigitalPersona to introduce the first mass-market, real-time, biometric authentication process for authenticating users and protecting their personal banking information while they shop online. The new authentication process is seamlessly integrated with ‘PayByCheck’ ([][1]) which has been in wide use for over 5 years and works with all bank accounts.

“We are pleased to lead the way in further protecting online shoppers’ personal finances with finger scanning,” said Ron Ehli, CEO of ITI Services. “Our new service is capable of drastically reducing identity theft and we believe biometrics should be used to protect all online transactions.”

Payments made using the non-obtrusive ‘finger-scan’ process is based on DigitalPersona’s award winning U.are.U Online Service. This process uses the icasi (Internet Commerce Account Status Information) network, developed to protect consumer and business bank accounts and credit cards from unauthorized use.

To make a payment using the finger scanner, users install the U.are.U software and small finger scanner, which plugs into a USB port on the computer or is built into the keyboard. They then register to protect their accounts with icasi ([][2]). When they make an online purchase from a participating merchant, a window pops up asking for authentication using the finger scanner. If the scan is successful the transaction is completed, usually within a six- second time frame. The icasi network protects users’ financial information without tracking them personally by ensuring that the authentication process is kept separate from the payment process.

As an added benefit, once the simple plug-and-play DigitalPersona solution is installed, it can also be used to replace computer passwords that can be lost, forgotten, or stolen with a more reliable level of security based on the user’s finger-scan. “We believe in putting personal security into the hands of consumers,” said Fabio Righi, CEO of DigitalPersona. “We are excited to work with a mainstream payment provider”. “Online users can now protect their personal information with just one touch.”

Payments made using PayByCheck benefit consumers and online businesses alike. Consumers benefit from the added protection while businesses benefit from a reduction in fraudulent purchases. “When you can add this level of protection for only pennies per transaction, why wouldn’t you?” said Ehli.”

An online demonstration is located at About ITI Services ITI Services is headquartered in Tacoma, Washington and is the provider of PayByCheck and other innovative payment systems. Since 1997 PayByCheck has been implemented by thousands of leading companies worldwide to verify, authenticate and process Internet payments using the existing bank infrastructure. [][3]

About DigitalPersona

DigitalPersona is the leading provider of biometric authentication solutions for mainstream markets. The company’s award-winning U.are.U fingerprint recognition technology eliminates the need for passwords, PIN codes, and cards. With U.are.U, users securely and conveniently access information and conduct transactions with a simple touch of a finger. [][4]



Leapfrog Refutes Rumors

Leapfrog Smart Products, Inc. announced Friday that rumors regarding an SEC investigation of the company or its founders are unfounded.

Leapfrog’s President and CEO, Randall Schrader, stated, “Ordinarily, we would not comment on anonymous rumors circulated over the Internet, but we think it is important to set matters straight, particularly as it relates to the SEC. This sort of garbage is a distraction that prevents the company from focusing on more important issues like revenues and profits. We believe these rumors originated from disgruntled former employees. Our duty is to create shareholder value, not to pander to rumor mongers or dissatisfied former employees. It’s time to move on.”

A call to SEC lawyer Ian Karpel, Denver, Colorado, from the company confirms that there is no investigation or inquiry into Leapfrog or its founders.

About Leapfrog Smart Products:

Leapfrog is poised at the forefront of providing proprietary software and hardware solutions, including biometric technologies developed for user authentication and access control in both computer networks and physical environments. The company, through creating compelling applications to generate demand for its products, intends to be a recognized leader in providing Smart Card software and hardware solutions. For more information on Leapfrog, please visit the Company’s web site at [][1].




Hilton HHonors, one
of the world’s leading guest reward programs, has added Air China, the
carrier for the People’s Republic of China, to the program’s family of travel

Travelers may now earn 800 Air China Companion kilometers for every qualifying
stay at participating Hilton, Conrad, Doubletree, Embassy Suites Hotels,
Garden Inn and Homewood Suites by Hilton hotels around
the world. At Hampton Inn and Hampton Inn & Suites hotels, members will
earn 160 kilometers per stay.

Air China Companion kilometers can be earned in addition to Hilton HHonors
hotel points through HHonors’ unique Double Dip benefit, which allows
members to earn both Points & Miles for every qualifying stay.
“The addition of Air China as a new travel partner continues to extend
global reach,” said Jeffrey Diskin, president and chief operating officer of
Hilton HHonors Worldwide. “We are delighted to be associated with this vibrant
and exciting country and to offer this wonderful earnings opportunity to both
our members in and traveling to China.”

About Air China

The largest and leading airline in China, Air China operates 135 domestic and
international routes covering 95 cities in more than 21 countries worldwide.
The Air China Companion program has 70,000 international members and close to
500 thousand domestic members. Air China Companion is China’s first and number
one frequent flyer program.

About Hilton HHonors

Hilton HHonors is a guest reward program that gives frequent travelers a
way to earn the rewards they want most. Enrolled members can Double Dip to
HHonors points and airline miles for the same stay, at nearly any rate, at
than 2,100 participating Hilton, Conrad, Doubletree, Embassy Suites Hotels,
Hampton Inn, Hampton Inn & Suites, Hilton Garden Inn, and Homewood Suites by
Hilton hotels around the world.

Due to the unmatched flexibility, generosity and value offered by HHonors
program features, as well as the many attractive promotions that HHonors
each year, the program has been recognized with numerous travel industry
Membership in HHonors is free. Travelers may enroll online by visiting Or, to enroll
instantly in
the program and make
reservations, consumers in the U.S. and Canada may call 1-800-HHONORS. Outside
the U.S. and Canada, travelers may call the Hilton Reservations Worldwide
office in their area. Travelers also may pick up an enrollment form with a
membership card at any participating Hilton, Conrad, Doubletree, Embassy
Hotels, Hampton Inn, Hampton Inn & Suites, Hilton Garden Inn or Homewood
by Hilton hotel around the world.



More issuers are jumping on the bandwagon to push late fees and over-limit fees from $29 to $35. MBNA is notifying cardholders this week it will begin assessing a $35 late fee and over-limit fee in the March billing cycles. Several major issuers including Citibank, Discover, Fleet, and a handful of sub-prime issuers, have recently boosted late fees. However, MBNA is the first major issuer to re-price both late fees and over-limit fees above the $29 barrier. MBNA is not considered, historically, a price leader in the credit card industry. Under the amended credit card terms, MBNA will charge a $15 late fee for balances under $100; a $25 fee for balances between $100 and $1,000; and a $35 fee for past due balances above $1,000. Accounts going over the credit limit by $500 will be subject to a $15 over-limit fee, while accounts exceeding the credit limit by $500 to $1,000 will be subject to a $25 over-limit fee; and accounts going over-limit by $1,000 will be subject to a $35 over-limit fee. MBNA notes that accounts with credit limits under $1,000 will be subject to the full $35 fee. Citibank and Discover have adopted the same tiered pricing schedule as MBNA for late fees. (CF Library 8/30/01; 2/7/02)


SLC Taxis Go Wireless

Visitors to Salt Lake City can pay for a cab ride with their credit card — as long as they are in one of the 80 taxicabs equipped with new wireless credit card technology.

Through the efforts of Wells Fargo Merchant Services and U.S. Wireless Data, visitors to Salt Lake City have the convenience of paying for cab rides with their credit card. The technology has been deployed in taxicabs of Salt Lake City-based Ute Taxicab Company.

The wireless taxicab technology is similar to credit card terminals used in stores, allowing taxicab drivers to swipe a credit card or other payment card and receive a real-time authorization. It uses Synapse(SM) technology from U.S. Wireless Data to communicate over a wireless data network, making mobile card payments faster and more secure.

“We are thrilled to provide this technology to visitors of Salt Lake City,” said Dean M. Leavitt, Chairman and CEO of U.S. Wireless Data. “International travelers may already be familiar with paying for taxicabs with credit cards because this capability exists in many parts of the world. Our Synapse technology is bringing this capability to the U.S., making travel more convenient.”

“As a leader in the payment processing industry, Wells Fargo is pleased to provide this technology-based solution to meet merchant and cardholder needs,” said Todd Ablowitz, Director of Product Strategy and Implementation for Wells Fargo Merchant Services, L.L.C. “U.S. Wireless Data is helping us make travel more convenient for passengers, allowing taxi drivers to pick up more fares because being low on cash is no longer an obstacle to taking a cab.”


Wells Fargo Merchant Services, L.L.C. is a joint venture between Wells Fargo Bank, N.A. and First Data Merchant Services (FDMS). Wells Fargo Bank is a subsidiary of Wells Fargo & Company (NYSE: WFC), one of the nation’s premier financial institutions. Wells Fargo offers a diverse array of financial services including banking, insurance, investments, mortgage and consumer finance from over 5,300 stores, the Internet and other distribution channels across North America and elsewhere internationally. A subsidiary of First Data Corp., First Data Merchant Services annually processes and settles almost 9 billion transactions for more than $490 billion in sales volume from 2.8 million merchant locations.


U.S. Wireless Data (USWD) (OTC Bulletin Board: USWE) makes credit card and ATM transactions faster and more cost effective. USWD connects credit card processing companies to their merchant clients. Using wireless and landline technology, USWD provides improved transport, data translation, and value-added processing. In addition, by enabling wireless point of sale terminals, USWD adds speed and mobility that has been unachievable in the past. USWD now handles more than 500 million transactions each year through its centralized computer center and nationwide network. Further information is available at [][1].




Acer, one of the world’s
largest PC vendors has selected Arterium software, created by Sydney based
Cards etc, as the smart card management system for their smart card management

Arterium software will enable Acer to launch, manage and enhance smart
card programs for their customers with one system. Arterium manages the
entire lifetime of the card from launch through to expiry and enables partners
who share space on the chip to retrieve and update cardholders, cards and

Craig Dower, Joint CEO of Cards etc says organizations are looking to
smart card technology as a means to increase customer loyalty, improve market
share and ultimately cut down the cost of launching new products on a card.

“Arterium enables organizations to add or delete products from a smart
card after the card is issued. There’s no longer any need to issue new cards
along with new products. Cardholders can download or delete products via
various means, including the web, ATM networks and company intranets.

“Marketers can test new products and loyalty partnerships quickly,
ultimately increasing their speed to market and profitability.”

About Cards etc

Cards etc is a provider of smart software and solutions for smart card,
e-commerce and similar e-transaction systems. From its base in Sydney,
Australia, it developed Arterium, smart software that provides infrastructure
management for smart cards, products and devices. Cards etc’s consultants
have several years experience in implementing leading edge projects
internationally, including smart card, stored value, loyalty, transaction
switching, internet payment and corporate purchasing card solutions. Cards
etc also provides professional services integrating new technology solutions
into existing environments. Cards etc has offices in Europe, Asia and

About Acer

Established in 1976, Acer is among the world’s top ten branded PC vendors.
Acer employs marketing and service operations across Asia-Pacific, Europe, the
Middle East, and the Americas, supporting dealers and distributors in over 100
nations. In addition to offering a broad spectrum of IT services, Acer is
also a leading innovator of e-business, providing MegaMicro e-enabling
solutions that combine IT products with a range of Micro services delivered
via Acer’s Mega infrastructure. For more information about Acer, please visit
our website at