Super Sub-Prime Card

The two companies involved in the development of the ‘Pay as You Go’ MasterCard reported a 75% jump in active accounts this year. CO-based Equitex, Inc. and its FL-based subsidiaries, Key Financial Systems and Nova Financial Systems, reported yesterday that active accounts for its ‘Net 1st MasterCard’ have soared from 81,799 on Dec 31 to 143,531 on Sept 30. Under the program, issued by Net First National Bank, consumers are charged a one-time reservation fee, up to $500, which fully utilizes the credit limit. Cardholders create available credit on their accounts by making payments on the balance. There is also a $99 processing fee to establish the account, a $96 annual membership fee billed monthly to the account, and a zero interest rate on the outstanding balance. The ‘Pay as You Go’ card is issued with no credit check on the applicant. The companies heavily target the Hispanic community for the MasterCard. This morning, Key Financial Systems announced a deal with Hispanic Teleservices Corporation to market credit cards to the U.S. Hispanic market.


ValiCert & Arcot Join VAP

ValiCert, Inc., a leading provider of secure solutions for paperless e-Business, and Arcot Systems, Inc., a leading provider of solutions for securing e-Business, announced that their products are interoperable and they will jointly promote them to member banks participating in the Visa Authenticated Payment Program. Authenticated payments and digital receipts enable Visa International’s 21,000 issuing financial institutions and merchants to ensure safe and secure Internet payments, reduce online fraud and boost consumer confidence in e-Commerce.

The Visa Authenticated Payment Program, based on the 3-D Secure Interoperability Protocol, is designed to bring the same level of security to the virtual world as Visa has in the physical world by confirming to the e-Merchant that the online buyer is the actual cardholder.

Merchants, consumers, issuing banks and card processors will now be able to fully leverage the security and risk reduction capabilities of the Visa Authenticated Payment Program, while collecting detailed line item information about transactions. The new solution available from Arcot and ValiCert combines Arcot TransFort(TM), the leading Visa 3-D Secure compliant payer authentication solution, with a component of the recently announced ValiCert e-Pay Secure(TM) offering, ValiCert Digital Receipt Solutions(TM), the leading technology for generating and managing legal-grade proof of electronic transactions. The combined Arcot/ValiCert offering is a flexible solution that eliminates integration headaches and speeds the deployment of Visa Authenticated Payment systems, and is available both as a product for in-house deployment and as a managed service for outsourcing.

“ValiCert Digital Receipt Solutions speed the creation and management of detailed transaction invoices and receipts with legal-grade digital proof, a critical requirement for substantiating online Visa payments,” said David Jevans, vice president of corporate development and head of e-Payment initiatives at ValiCert. “Banks, card processors and merchants around the world can now more quickly and easily take advantage of the Visa Authenticated Payment Program.”

“Arcot has been intimately involved with the design and development of the 3-D Secure Interoperability and Mobile 3-D Secure specifications, and we see tremendous value in interoperating with ValiCert’s industry-leading digital receipt capabilities to create the most complete and proven Visa Authenticated Payment solution on the market,” said Steve Ryan, vice president of corporate development at Arcot. “By combining these two offerings, banks, card processors and merchants will be able to quickly and efficiently implement an optimized solution for the Visa program, and comfortably meet the timeframe for the Visa Authenticated Payment Program.”

How It Works

The Visa Authenticated Payment Program offers dramatic benefits in fraud reduction and increased confidence to the customer and merchant with virtually no change in the online purchasing experience. When a customer enters their Visa card number in a browser checkout form and clicks the “buy” button, a TransFort Merchant software module at the merchant site alerts another TransFort module at the card-issuing bank that someone wants to make a purchase using a Visa card enrolled in the program. The TransFort module at the bank then requests the customer authenticate them self by entering their password, PIN or other means of authentication on their PC, PDA or wireless phone. If successful, the bank module notifies the merchant module that the cardholder has been authenticated, and a ValiCert Digital Receipt of this notification is archived for purposes of non-repudiation, greatly reducing the merchant’s exposure to fraud and dispute. Separately, merchants can post detailed invoices and receipts to a ValiCert Digital Receipt server at the issuing bank for cardholders to view, track and reconcile their transactions.

About Arcot TransFort

Arcot TransFort strongly authenticates and digitally signs transactions in real-time, providing for the secure, non-repudiation of online payments. Scalable to hundreds of millions of transactions, Arcot TransFort allows companies to grow the volume and value of their online transactions and provide their customers with an added level of confidence and security in the business relationship. TransFort is currently deployed at over 50 merchants and 20 banks worldwide for the Visa Authenticated Payment Program. In addition to being the first solution recognized by the Visa Compliance Testing Facility as fully complaint with the 3-D Secure protocol, Arcot TransFort supports the MasterCard SPA protocol and is developing the industry’s first dual-protocol solution for credit card payer authentication.

Arcot TransFort is a multi-platform solution capable of authenticating transactions across Web, Virtual Private Network (VPN), and wireless environments. In addition, Arcot TransFort can comply with a variety of business rules or procedures that govern online payments and support multiple authentication methods including username/password, physical smart cards (or “chip cards”), and the ArcotID(TM) Software Smart Card.

About ValiCert e-Pay Secure

The ValiCert e-Pay Secure family of products and services relies on the full range of industry-leading ValiCert offerings. The components of ValiCert e-Pay Secure include:

— ValiCert Transaction Authority(TM) — provides a platform for deploying secure XML payment protocols by guaranteeing secure routing and response to any backend financial and enterprise service request.

— ValiCert Validation Authority(TM) — delivers a high-performance, reliable and scalable transaction validation solution for digital certificates used in payment and business applications.

— ValiCert SecureTransport(TM) — offers a secure, reliable, enterprise- class file transfer for delivering batch payment files, settlement details, EDI and check images over the Internet.

— ValiCert Digital Receipt Solutions — provides electronic proof, archive and audit for payment transactions.

— ValiCert Document Authority(TM) — enables secure document delivery, sharing, storage, and digital signing for payment initiation, approval and other financial workflow processes.

— ValiCert Professional Services — on-site consulting and integration services, delivered by trained domain experts and practicing consultants.

About Arcot

Arcot Systems, Inc., is the leading provider of authentication and access control solutions for securing e-Business in Internet-scale, transactional and wireless environments. Only Arcot provides cost-effective, scalable, software-based solutions for strongly authenticating users and transactions and managing access for payment systems, B2B extranets, Web portals and virtual private networks. Arcot solutions meet the business need for strong transactional security while providing the customer a user-friendly experience with anytime, anywhere convenience. Leaders in financial services, healthcare, and e-Commerce are using Arcot solutions to protect their customers’ privacy and reduce fraud. For more information, visit [][1].

About ValiCert

ValiCert is a leading provider of secure solutions for paperless e-Business. ValiCert Global 2000 customers in financial services, healthcare, manufacturing and government sectors realize significant ROI from deploying ValiCert solutions to help migrate costly or inefficient business processes to the Internet, without losing any trust and security in the process. ValiCert’s family of products conforms to the guidelines of the e-Sign legislation and provides a secure, legal-grade environment for conducting online commerce.

ValiCert has technology and marketing alliances with a range of security, e-Commerce, systems integrators and application specific companies. With its products and services available through a worldwide direct sales force, resellers and global affiliate network, ValiCert is headquartered in Mountain View, California and has operations throughout the Americas, Europe and Asia. More information about ValiCert is available on the World Wide Web at [][2].



Hyatt – AmEx Promotion

As the holidays approach, Hyatt Hotels and American Express are encouraging people to take a break and reconnect with family, friends and loved ones with “Hyatt’s Hometown Getaways” program. In addition to special rates from November through January, Hyatt is offering qualified weekend guests a $50 American Express Gift Cheque to spend however and whenever they choose – all in an effort to provide guests not only with fantastic rates, but also a great reason to spend a few extra dollars in the local economy.

“We always offer excellent holiday rates so our guests can visit with friends and family at this special time of year,” said Wendy Falk, vice president of marketing programs for Hyatt Hotels Corporation. “However, Hyatt and American Express also wanted to take a leadership role in both revitalizing local economies and giving our best customers some spending money to go out and have some fun with. We’re encouraging Hyatt guests to spend the $50 in their own community or in the city they’re visiting.”

>From November 11 through January 31, 2002, Hyatt guests will experience great low rates. Starting November 16, Gold Passport member guests who check in on a Friday or Saturday for two nights, pay a qualifying rate and pay with an American Express Card will receive a $50 American Express Gift Cheque. And, if a guest is not currently enrolled in Gold Passport, Hyatt’s frequent guest program, they can receive an instant membership by signing up at the time of reservation or the front desk. Gift Cheques can be used anywhere and can be replaced if lost or stolen.

“We’re glad that so many people will be able to enjoy the holidays with their loved ones, and we hope the American Express Gift Cheque makes their visit a little more festive,” said Elizabeth Cohen, vice president of Lodging Industries at American Express. “American Express is proud to be working with Hyatt on this initiative to boost local economies.” Below is a sampling of Hyatt’s Hometown Getaway rates:

Hotel Nov. 1-15 Nov. 16-24 Nov. 25-Dec. 13
Midweek $185 $59 $185
Weekend $185 $59 $99
Coral Gables
Midweek $174 $119 $174
Weekend $174 $119 $174
West Hollywood
Midweek $125 $99 $125
Weekend $125 $99 $125
Midweek $189 $129 $189
Weekend $169 $129 $145
Midweek $195 $89 $160
Weekend $115 $89 $115

Hotel Dec. 14-Jan. 5 Jan. 6-31
Midweek $59 $185
Weekend $59 $99
Coral Gables
Midweek $119 $174
Weekend $119 $174
West Hollywood
Midweek $99 $125
Weekend $99 $125
Midweek $129 $189
Weekend $129 $145
Midweek $89 $160
Weekend $89 $115

Guests can book these great rates by calling 800/233-1234, through [][1] or by contacting their travel agent. Please cite offer code Gift2U if interested in receiving the $50 American Express Gift Cheque.


Promotion Fact Sheet

PROMOTION DATES: November 11, 2001 – January 31, 2002

PARTICIPATING PROPERTIES: All 116 Hyatt Hotels and Resorts in the Continental United States and Canada. Blackout dates may apply.

PROMOTION OVERVIEW: During the promotion period, Hyatt guests will get great rates. Starting November 16, 2001, Gold Passport members who check in on a Friday or Saturday for two nights and pay with an American Express card will receive a $50 American Express Gift Cheque. The cheque acts like cash and can be used anytime, anywhere. And, if a guest is not currently enrolled in Gold Passport, Hyatt’s frequent guest program, they can receive an instant membership by signing up at the time of reservation, at the front desk, or on [][2]

GREAT LOW RATES: As part of the promotion, Hyatt is offering special holiday rates to encourage people to take a break and reconnect with family, friends and loved ones. For example, at Hyatt Regency Denver rates are as low as $59.

WHY: Hyatt wants to help travelers make the best of their holiday budgets with great rates. Hyatt and American Express are giving customers what they want – an easier way to be with family and friends this holiday season. Additionally, Hyatt and American Express hope to help boost local economies by encouraging Hyatt guests to spend their $50 Gift Cheques while on their trip. Hyatt is working with area Convention and Visitor Bureaus to offer special deals at local merchants.

HOW TO BOOK: Guests can book rates by calling 800/233-1234. Please cite offer code Gift2U if interested in receiving the $50 American Express Gift Cheque.



GCA Payment System

Global Cash Access, a supplier of cash access, financial management and customer relationship marketing technologies to the gaming industry, and US Off-Track, a trademark of Greyhound Channel, Inc., which is licensed to conduct simulcasting and pari-mutuel wagering, have signed a letter of intent to develop a proprietary payment system for Internet off-track wagering.

“Internet gaming has become a serious e-commerce factor, but the industry has been challenged by the fund transfer component,” said Kirk Sanford, chief executive officer of GCA. “Payment solutions being used today have experienced a variety of drawbacks, and until now processors have not succeeded in providing an ideal solution to these issues. Through our strategic partnership with US Off-Track, we will provide the much-needed response to payment issues facing the Internet gaming industry. Our network will facilitate safe online gaming transactions, providing a secure form of payment to minimize risk of fraud for both the online site operator and gaming customer.”

The letter of intent outlines the development and use of GCA’s resources as the exclusive payment technology provider for US Off-Track.

GCA already uses Internet technologies to deliver products and services to more than 1,000 gaming properties throughout the U.S., Canada, Caribbean and Europe.

More than 50 percent of all U.S. gaming industry revenue flows through the company’s cash access devices. Each year, GCA processes more than $11.5 billion in funds transfers through approximately 200,000 ATM, credit and debit cash advance and check guarantee transactions daily – more than 75.5 million transactions annually.

“We are extremely excited to partner with the leading and most trusted cash access provider to the gaming industry,” said David Tiano, chief operating officer of US Off-Track. “Their expertise in transaction processing will aid us in developing a system that will provide online merchants with an ideal solution for the payment issues that face the heavily-regulated Internet gaming industry.”

Through its partnership with many of America’s premier racetracks, US Off-Track currently offers information and online wagering opportunities into the co-mingled pools of greyhound, thoroughbred and harness racing throughout the nation. The company participates in responsible gaming and its license is regulated by the State of Oregon.

GCA and US Off-Track project their Internet gaming payment system product will be rolled out in the first quarter of 2002.

About Global Cash Access

Global Cash Access was formed in 1998 and is a joint venture of First Data Corp. and M&C International, Inc. Providing access to the gaming industry’s largest patron database, Global Cash Access uses Internet technologies to deliver funds transfer, financial management and customer relationship marketing services to more than 1,000 gaming properties nationwide. More information on the company is available at [][1].

About US Off-Track

US Off-Track is a trademark of Greyhound Channel, Inc. US Off-Track holds a Multi-Jurisdictional Simulcasting and Interactive Wagering Totalizator Hub License granted by the Oregon Racing Commission. The license allows the company to conduct simulcasting and pari-mutuel wagering in accordance with Oregon Statutes (ORS 462.725) and is regulated by the State of Oregon. More information on the company is available at [][2].




As part of its continuing global expansion,
Western Union Financial Services, Inc., a subsidiary of First Data Corp.
announced the addition of Agricultural Bank of Russia to its
fast-growing international Agent network.

With more than 100 affiliates and branches in operation today, the
Agricultural Bank of Russia has an aggressive growth strategy. The Bank plans
to establish a total of approximately 200 affiliates and branches in more than
60 of the country’s 89 regions by the end of 2001. Rollout of the
Western Union(R) Money Transfer service will begin immediately in
approximately 10 locations. It is anticipated that the service will be
available in the Bank’s 200 planned affiliates and branches during the second
quarter of 2002. Additional locations will provide Western Union services as
the Bank’s expansion continues.

“The success of our recent agreement with the Agricultural Bank of China
is proving the wisdom of working with organizations that have the ability to
reach both rural and urban markets,” said Charles T. Fote, president and
chief operating officer, First Data Corp. “Russia has one of the world’s
largest expatriate populations, which represents a huge growth opportunity for
Western Union. Our agreement with the Agricultural Bank of Russia allows us
to get closer to Russian consumers, making it easier for them to receive and
send funds wherever they may be.”

“Much like China and India, Russia is an expanding market in which we have
aggressively sought local entities that could offer our service while
providing the value, convenience and speed that customers throughout the world
expect from Western Union,” said Bill Thomas, president, Western Union
International. “The Agricultural Bank of Russia met Western Union’s criteria
and our agreement will help us extend our worldwide presence, allowing us to
better meet the needs of our diverse customer population.”

About Western Union Financial Services, Inc. and First Data
Western Union Financial Services, Inc., a subsidiary of First Data Corp.
(NYSE: FDC), is a worldwide leader in consumer money transfer services.
Consumers can quickly, safely and reliably transfer money at more than
117,000 Agent locations in more than 185 countries and territories. Famous
for its pioneering telegraph service, the original Western Union dates back to
1851 and introduced electronic money transfer service in 1871. Western Union
is celebrating its 150th anniversary in 2001. For more information, please
visit the company’s Web site at

First Data Corp., with global headquarters in Denver, powers the global
economy. Serving approximately 2.6 million merchant locations, more than
1,400 card issuers and millions of consumers, First Data makes it easier,
faster and more secure for people and businesses to buy goods and services,
using virtually any form of payment: credit, debit, smart card, stored-value
card or check at the point-of-sale, over the Internet or by money transfer.
For more information, please visit the company’s Web site at


dotFM Takes JCB

BRS Media’s dotFM, the Premium Multimedia Domain, announced that their fully automated .FM domain registration web site now accepts the JCB Card. Thereby allowing JCB cardmembers to get their own Great Sounding Web Address — .FM! “We are extremely pleased to expand our clients paying options to include the JCB Card.” remarked George T. Bundy, Chairman & CEO of BRS Media Inc., “JCB is the largest credit card company in Japan and the fourth largest in the world.” Adding, “And now through November 30, 2001, dotFM will be offering a 10% discount on all new .FM domain registrations that are placed via our site using a JCB Card.”

Those interested should visit ([][1]) for further details. Get the name you really want! Domains under .FM are easy to access, work reliably worldwide, and are easy to remember and recognize. Like: Kumamoto Japan’s City 79.1 ([][2]), Moscow’s MAXIMUM.FM ([][3]), Mandaluyong City, Philippines’ Magic 89.9 ([][4]), and Denmark’s 104.9 The Voice ([][5]). Plus the growing list of World Class US radio stations including: Las Vegas’ MIX 94.1 ([][6]), Sacramento’s KOOL 101.9 FM ([][7]), LA’s Power 106 ([][8]), and Idaho Falls’ HOT 106 ([][9]).

dotFM, the Net’s first step toward building and branding on the multimedia power of the Web, offers the Internet community a compelling alternative to a .COMmon or .COMplicated Web Address. Premium .FM domain names are available to anyone interested in obtaining their own “Great Sounding Web Address!” at: [][10] BRS Media, a member of the International Webcasting Association ([][11]), is a full service Internet e-commerce firm that helps radio stations and multimedia web sites build and brand on the power of the Web. The company’s online divisions include: dotFM & dotAM ([][12]) ([][13]), domain registrar of premium .FM & .AM (TLD) domains. WEBCASTi AM/FM, ([][14]) providing the broadcasting industry with the best webcasting solution for today’s Interactive Web. My Radio.FM ([][15]) a full featured “Start Your Own Online .FM Radio Station” service, and the ever popular Web-Radio ([][16]) the leading portal for “Tuning In” radio on the Internet. BRS Media Inc. can be found on the World Wide Web at [][17].




Trintech Group Plc, a global provider of secure payment infrastructure
solutions, announced that Absa Group
Limited, a leading South African financial services group, is deploying a
complete range of Trintech’s technology platforms to offer the country’s first
secure, open B2B and B2C online payment service.

As part of the agreement, Absa is utilizing a range of Trintech payment
solutions, including PayWare eAcquirer, PayWare Guardian and PayWare eIssuer,
as the infrastructure backbone for its Online Payment service. This service
will be deployed nationally to Absa’s 860,000 credit cardholders, 7.3 million
debit cardholders and 250,000 merchants. The implementation of PayWare
eIssuer and PayWare Guardian has enabled Absa to be the first bank in the
world to offer a secure, online consumer payment application that supports
Visa, MasterCard, Visa Electron and MasterCard Maestro card payments.
Meanwhile, PayWare eAcquirer has enabled Absa to be the first South African
bank to acquire Visa Purchase Card transactions from the Internet.

“We believe that the Internet stills holds enormous potential to increase
efficiencies and improve the customer experience. Earlier this year we
launched our e-business strategy, providing B2B payment processing
capabilities using Trintech’s technology that has significantly improved the
operating efficiencies of our corporate customers,” said Pieter van Wyk,
deputy operating executive at Absa. “We have solidified our relationship with
Trintech with the launch of our B2C service that allows us to build on our
current e-business strategy. Going forward, we are looking to expand our
e-business strategy into new channels, devices and services and Trintech is
the ideal partner to help us realize this vision.”

“Absa’s Online Payment initiative demonstrates the financial institution’s
continued commitment to forging a new path for other South African banks to
follow,” said John McGuire, CEO at Trintech. “Absa is utilizing a complete
suite of Trintech’s PayWare solutions to form the basis of its eBusiness
strategy, which offers customers a secure and scalable payment infrastructure,
as well as streamlining processes and reducing costs for Absa. The PayWare
ePayment suite also provides Absa with a migration path to emerging revenue
channels, such as mCommerce and tCommerce.”

For the Online Payments service, PayWare eIssuer enables Absa to issue
online payment cards to their individual and corporate customers allowing them
to execute secure payment online using their credit and debit cards. With a
simple click on the online wallet, online payment forms are instantly filled
and payment details are transferred securely to the merchant. PayWare Guardian
works in parallel with eIssuer by generating a pseudo card number in place of
the actual card number that is presented to the merchant for payment. Finally,
PayWare eAcquirer enables Absa to capture physical and Internet-based merchant

About PayWare – Trintech’s Secure Payment Solutions

— PayWare eAcquirer is one of the industry’s most advanced online
merchant acquiring and hosting solutions. It has been configured to handle
Internet-based B2B and B2C transactions securely through any channel — PC,
PDA, smartphone, portable PC, mobile phone. PayWare eAcquirer can also handle
multi-currency transactions and multiple card types — credit, debit, ATM,
private label, etc.

— PayWare Guardian is a complete fraud solution that provides increased
security to online purchasing by utilizing fraud detection, transaction and
user authentication technologies.

— PayWare eIssuer provides Absa with a total Internet payment solution
for consumers. This convenient and secure payment tool can reside on a desktop
PC, PDA or any other mobile device and can support any payment card type.

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(TM) compliant. Trintech’s range of scalable open systems architecture
solutions for UNIX(R) and Windows NT(TM) 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

About Absa

ABSA Group Limited is a leading South African financial services group
with 72,000 shareholders, 34,000 staff members and six million customers. ABSA
offers a full array of integrated financial services products and services
through extensive local and international electronic and branch networks to
customers in selected market segments. ABSA sustains shareholder value by
following a customer-focused approach. It does this by segmenting the market
and aligning its resources to create lasting, mutually beneficial
relationships with customers.


CardCom Symbol Engine

CardCom Technology, the world’s leading manufacturer of Auto ID, has selected Symbol Technologies as its scan engine source for their new generation of ID verifiers, the ViAge Verifier CAV-3000 series.

With the integration of Symbol’s Cyclone SE-3223 and SE-2223 scan engines, the CAV-3000 series provides an aggressive scanner for POS and ID verification applications. A magnetic card reader and smart card reader/writer is also integrated providing further versatility at the POS with such features as loyalty program and data capture.

Government and security industries will also benefit as the CAV-3300 and the CAV-3400 have the capability to read PDF417 2D symbology on military IDs with digital imaging applications, which would allow government officials and security personnel to properly identify who they need to, when they need to. CardCom’s core technology of magnetic stripe and smart card readers combined with Symbol’s excellence in barcode, points to exciting possibilities for the CAV-3000 series. The market demand is great. Retailers, in particular, are looking for ways to save on cost, counter space, and loss prevention (from underage tobacco and alcohol sales).

With five different models in the line, the CAV-3000 Series offers a multitude of applications to various users in POS, hospitality, entertainment, security and government industries.

Mitch Shin, president of CardCom, was delighted that the two companies entered into the agreement stating: “In the purchase agreement with Symbol, CardCom has committed to 10,000 units through the 2002 year. Additionally, Symbol has already released 1,000 units for the remainder of the 2001 year.” Brian Bukowski, director of OEM Sales for Symbol Technologies stated: “Symbol is pleased that CardCom has chosen to integrate our SE-3223 Barcode Scan Engines into their ID verification terminals. The SE-3223 features state-of-the-art scanning elements that are capable of generating multiple scan patterns, which are software controlled.

This gives CardCom’s customers the flexibility to generate a faster pattern for reading PDF417 2D symbology on driver’s licenses to verify IDs, or switch to a rotating omni-directional “cyclone” pattern for traditional POS checkout scanning. The high-speed “cyclone” pattern enhances productivity at the check stand by ensuring can’t-miss presentation and swipe mode scanning,” Bukowski continued.

“They (Symbol) apparently think highly of CardCom and our ID verification technology,” indicated Richard Sirois, North American channel manager of CardCom Technology. With the CAV-3000(TM) series, retailers now have access to a low-cost, portable, easy-to-use ID verification device that doubles as a point-of-sale scanner that uses quality Symbol Technologies SE-3223 Scan Engines,” commented Sirois.

Symbol Technologies Inc. is a global leader in mobile data management systems and services with innovative customer solutions based on wireless local area networking for voice and data, application-specific mobile computing and bar code data capture.

Symbol’s wireless LAN solutions are installed at more than 45,000 customer locations, and more than 7 million Symbol scanners and application-specific scanner-integrated mobile computer systems are in use worldwide. Symbol and its global network of business partners provide solutions for retailing, transportation and distribution logistics, parcel and postal delivery, health care, education, manufacturing and other industries. Founded in 1993, CardCom Technology has been providing hardware solutions for magnetic stripe and smart card applications. From electronic cash transactions, telecommunications, public transportation, and new emerging applications, CardCom Technology offers hardware configuration to satisfy any set of requirements.

A high level of customer satisfaction underscores CardCom Technology’s commitment to quality and dedication to continuous improvement. For more information on CardCom Technology, visit [][1], or call 714/670-6992.




Keycorp confirmed it has sold more than 1,300 of its ‘K78’ POS mobile
terminals to UK-based Vanguard Plc. The deal is part of an agreement signed in
October between Keycorp and Vanguard, calling for 1500 ‘K23’ terminals to be
installed in Slovakia.
The Keycorp ‘K78’ is a hand-held EMV-compliant wireless terminal which also
operates with CDPD, DATAC packet switched networks and GSM mobile networks.


Octane-based Card Rebates

Union 76 launched a gasoline rebate pilot program in Washington and Oregon that offers new and existing Union 76 Credit Card customers a chance to save money on their monthly gasoline purchases.

When motorists use the Union 76 Credit Card at any of the 565 stations in Washington and Oregon, they will earn a rebate of 3 cents a gallon on 87 octane and diesel, 4 cents on 89 octane, and 5 cents on 92 octane. Rebates will appear as a credit on the customer’s monthly statement. The six-month pilot program will run through April 30, 2002.

“This rebate program offers loyal Union 76 customers in Washington and Oregon a convenient way to save money when they use their Union 76 Credit Card for fuel purchases,” said Don Kaplan, region manager, Northwest branded wholesale, Phillips 66 Company. “The program is simple, convenient and all active Union 76 Credit Card holders qualify. We believe our customers will appreciate the savings and the rebate should provide an additional incentive for other motorists to choose Union 76.”

Marc Flanary, manager of credit card marketing, Phillips 66 Company, said, “There is a trend toward loyalty programs in credit cards whether it be in the form of rebates, points or miles. We believe this program will bring more value to the Union 76 Credit Card and allow us to reward our loyal customers.” The 76 brand had a large presence in the Northwest until the early 1990s. Tosco, which is now owned by Phillips Petroleum Company, purchased the 76 brand in 1997 and re-introduced the famous orange ball to the Northwest a year and a half ago. There are currently 359 stations in Washington and 206 in Oregon operating under the 76 brand.

The Pacific Northwest was selected as the location for this pilot program because of the 76 brand’s long history and strong customer base in the region. If this pilot program is successful, a larger, nationwide rollout is planned for 2002.

“Many of our customers already know how easy and convenient the Union 76 Credit Card is to use,” explained Kaplan. “This rebate program is designed to encourage customers to try the card and experience the benefits for themselves.”

Other benefits of having a Union 76 credit card include consolidated monthly statements that allow customers to evaluate gasoline and automotive spending easily and quickly and no annual fee.

Consumers can apply for the Union 76 Credit Card three convenient ways: by calling the 76 Credit Card center toll-free at 800/465-4676, online at [][1] or by picking up an application at any 76 station. Approved applicants will receive their card within approximately three weeks. Customers with expired cards can reactivate their account by calling the credit card center.

Union 76 is a registered trademark of Phillips 66 Company, a division of Phillips Petroleum Company (NYSE:P), or its affiliates. Phillips is an integrated petroleum company with interests around the world. Founded in Bartlesville, Okla., in 1917, the company had annual revenues of $21.2 billion for 2000. Phillips markets gasoline and convenience store products in the United States through a network of over 12,000 retail sites under the Phillips 66, 76, Circle K, Exxon, Mobil and Coastal brands. More information is located on the World Wide Web at [][2], [][3] or [][4].



ICE 4000 Terminal

Hypercom unveiled its latest generation of its ‘ICE’ wireless information and transaction platforms. The new hand-held ‘ICE 4000’ incorporates advanced software and communications options that supports wireless WAN technologies such as ‘GSM’, ‘CDPD’, ‘Mobitex’ as well as wireless 900 MHz LAN technologies. Hypercom is also actively developing a solution for some markets outside the USA where the requirement exists for a 2.4GHz radio. The new wireless terminal uses the consumer-activated, tamper-resistant ‘ICE’ platform which combats credit card skimming since the credit card does not leave the customer’s sight. The enhanced ‘ICE 4000’ is targeted at merchants who take payments at the restaurant table, stadium seat, airport, theatre or fast-food takeout queue, hotel room or other venue. The ‘ICE 4000’ supports a range of value-added applications and services including: electronic signature and receipt capture, e-mail, on-screen advertising, interactive electronic coupons, and cash management reporting.


Mobile Payment Forum

The ‘Mobile Payment Forum’ was launched Tuesday to expand the global market for mobile commerce. Created jointly by American Express Company, MasterCard, VISA, and JCB, the non-profit group will develop a framework for standardized, secure mobile payments and address current m-commerce issues. Focusing on payment card transactions, which are used in almost 93% of all e-commerce payments, the Forum will address key areas such as interoperability, passwords, cardholder authentication and encryption methods. The consortium will enable disparate systems and technologies to work together, reducing industry fragmentation and establishing a more stable environment for vendors to develop products. The group said yesterday it also will complement the work of other industry consortia, such as MeT, the Mobey Forum, and the WAP Forum’s E-commerce Expert Group.