VISA U.S.A. announced this morning that target.com has become one of the first e-merchants to adopt ‘VISA Payer Authentication’. Beginning this fall, VISA cardholders can enroll for ‘VISA Payer Authentication’ (known to consumers as “Verified by Visa”) through participating banks, giving them the ability to make secure online purchases with their VISA card. Registered VISA cardholders will then be asked to enter a password when making purchases at target.com. Last month, Target unveiled its plans to become the first major American retailer to issue ‘smart VISA’ cards and also announced it will deploy smart card terminals in all of its stores. (CF Library 6/20/01)Details
NCR Corporation has won
contracts to install automated teller machines in El Metro, Madrid’s
subway system, with Banco Santander Central Hispano (BSCH), Caja Madrid and
Caja Duero. The three contracts total several million dollars and cover the
supply, installation and maintenance of 275 NCR Personas 70 ATMs. The ATMs are
being rolled-out to Madrid’s main stations this year.
Commenting on what will be the largest ATM installation for Madrid’s
subway, Bob Tramontano, NCR Financial Solutions Division vice president,
business development and strategic marketing, said, “In Europe we are seeing a
trend away from ATMs being placed solely in bank branches. The growing number
of ATMs in subway stations, airports and coffee shops is reflecting consumer
demand to bank at convenient locations where cash and other services are
The ATMs will be placed in the subway stations’ lobbies and ticket areas.
Beyond cash, additional services such as the payment of bills, passbook
updates and ticketing could be offered from the ATMs in the future. Caja
Madrid already offers such services through part of its ATM network.
Depending on the usage of the ATMs, the three financial institutions have
expressed an interest in expanding the number of their branded ATMs in
Madrid’s subway stations.
About Banco Santander Central Hispano (BSCH)
Banco Santander Central Hispano is a global financial group. It is the
largest financial institution in both Spain and Portugal, the second largest
in the euro zone and in the top fifteen world-wide by assets. The group is in
42 countries and has more than 35 million customers.
About Caja Madrid
The second largest savings bank in Iberia, Caja Madrid has assets of
$88 billion. Caja Madrid owns more than ten percent of Indra, one of Spain
and South America’s leading IT companies.
About Caja Duero
Caja Duero generated more than 1.5 billion pesetas in 2000. Caja Duero is
the largest provider of ATMs in central Spain.
About NCR Corporation
NCR Corporation (NYSE: NCR) is a leader in providing Relationship
Technology(TM) solutions to customers worldwide. NCR’s Relationship
Technology solutions include the Teradata(R) database and analytical
applications such as customer relationship management (CRM) and demand chain
management, store automation systems and automated teller machines (ATMs).
The company’s business solutions are built on the foundation of its long-
established industry knowledge and consulting expertise, value-adding
software, global customer support services, a complete line of consumable and
media products, and leading edge hardware technology. NCR employs 33,300 in
more than 100 countries, and is a component stock of the Standard & Poor’s 500
The Board of Directors of Unisys Corporation elected Denise K. Fletcher, executive vice president and chief financial officer of MasterCard International, a director of the corporation.
Fletcher becomes the 11th member of the Unisys Board.
Fletcher, 52, has been CFO of the global payment services association since September 2000 and is responsible for finance, planning, and new markets and investments.
Previously, she was CFO of Bowne and Company, the world’s largest financial printer; managing director of Fletcher Associates, where she advised client CEOs and CFOs on maximizing market share and profitability; and corporate treasurer of The New York Times Company.
“We are very pleased to welcome Denise to our Board,” said Unisys Chairman and CEO Lawrence A. Weinbach. “She brings to us a wealth of knowledge in finance, and she will provide invaluable guidance on how we can profitably help our customers accelerate their business transformation in the New Economy.”
Fletcher graduated Phi Beta Kappa from Wellesley College with a Bachelor of Arts degree in sociology. She holds a Master in City Planning degree with a concentration in economics from Harvard University.
Fletcher serves on the Business Leadership Council of Wellesley College and the Board of Directors of the YWCA of the City of New York, and she is national treasurer of the Girl Scouts of the USA.
Unisys is an e-business solutions company whose 37,000 employees help customers in 100 countries apply information technology to seize opportunities and overcome challenges of the Internet economy. Unisys people integrate and deliver the solutions, services, platforms and network infrastructure required by business and government to transform their organizations for success in this new era.
The company offers a rich portfolio of Unisys e-@ction Solutions for e-business based on its expertise in vertical industry solutions, network services, outsourcing, systems integration and multivendor support, coupled with enterprise-class server and related technologies.
The primary vertical markets Unisys serves worldwide include financial services, transportation, communications, publishing and commercial sectors, as well as the public sector, including federal government customers. Unisys is headquartered in Blue Bell, Pennsylvania, in the Greater Philadelphia area.
For more information on the company, access the Unisys home page on the World Wide Web at [www.unisys.com]. Investor information can be found at [www.unisys.com/investor].
Datakey Inc. announced that it received the largest award
to date for its cryptographic smart card systems, valued at nearly $3 million,
from the EXOCOM Group Inc., a Canadian-based value-added reseller (VAR).
Under a contract with the Canadian Department of National Defence, EXOCOM will
deploy 53,000 user seats and additional Datakey smart cards to support more
than 80,000 users. Shipments to EXOCOM will take place throughout the third
and fourth quarters, with full delivery completed by the end of 2001.
The DND/Canadian Forces protect Canadian interests at home and abroad,
help civil authorities protect and sustain national interests and assist in
national emergencies. To enable a secure and trusted environment for
accessing and communicating sensitive yet unclassified information over its
vast computer networks, the DND selected enhanced Internet security solutions
from Entrust, Inc. and Datakey smart card systems, which
feature 32K of storage space for Entrust digital identities including extended
“Given the sensitive nature of information and data shared through DND
networks, Entrust’s enhanced Internet security solutions and Datakey smart
card systems are frequently chosen as the best way to authorize and safeguard
access to data and the enterprise network,” said Gary Miller, Vice President
of Strategy and Business Development, EXOCOM. “We partnered with Datakey
because its smart cards deliver a proven solution for using Entrust digital
IDs throughout the full range of PKI applications we are deploying for the
DND. And with FIPS 140-1 validation, Datakey smart card technology provides
the independently certified security required for DND operations.”
EXOCOM’s comprehensive Information Technology (IT) Security and Privacy
solutions are recognized globally and include a unique and proven expertise in
deploying Entrust’s enhanced Internet security and Datakey smart card systems.
EXOCOM has helped many leading global organizations, including Royal Mail and
Mackenzie Financial Corporation, design and deploy secure and trusted
information technology solutions.
“Our portfolio of enhanced Internet security capabilities provides the
DND/Canadian Forces with the mission-critical security, privacy and trust
necessary for all of their network transactions,” said Brian O’Higgins, chief
technology officer, Entrust, Inc. “Datakey smart cards add a second layer of
user authentication and cross-platform mobility for increased flexibility.”
“This major new business is particularly encouraging since it comes at a
time when we are seeing a general slowdown of IT spending as our customers
respond to the current economic climate,” said Carl Boecher, Datakey’s
president and CEO. “Although this award was received late in our second
fiscal quarter, it will not have a meaningful impact on second quarter’s
revenues. But it will have a very positive impact on our third and fourth
The EXOCOM Group Inc. (EXOCOM), a wholly-owned subsidiary of Manitoba
Telecom Services Inc. (MTS), delivers advanced eBusiness services and
solutions that enable clients to strategically use information technology and
manage information for increased business advantage. EXOCOM was acquired in
January as part of the growth strategy for MTS’s eBusiness solutions
subsidiary, Qunara Inc. Since 1982, EXOCOM has consistently delivered high
value, high quality solutions to leading organizations in key verticals
including telecommunications, financial services, insurance, health care, high
technology and government. With more than 130 employees and offices in
Ottawa, Toronto, and Halifax, the company offers expertise across a broad
range of business lines, including business strategy and information
technology (IT) consulting, IT security and privacy consulting, application
development, technology integration and enterprise infrastructure solutions.
Its Web site is located at http://www.exocom.com . Qunara’s Web site is
located at http://www.qunara.com .
About Datakey, Inc.
Datakey, Inc. is a leading international provider of smart card solutions
for PKI. Headquartered in Minneapolis, Minn., the company offers a family of
smart card-based information security and digital signature products. Using
state-of-the-art cryptographic technology, these products fill growing market
needs for secure, smart card-based user authentication and data privacy for
business-to-business e-commerce. Datakey’s smart card-based information
security products play an integral role in any PKI system by providing
two-factor security — something that is owned (a smart card) and something
that is known (a password).
Shares of Datakey’s common stock are traded on Nasdaq under the symbol
DKEY. You can find more information on the Datakey Web site at
Concord EFS launched a proprietary point of sale terminal designed for use by small and medium retailers, which supports magnetic-striped cards, smart cards, and check verification in a high-speed, compact, fully-integrated device. The ‘STAR Universal Terminal was named for Concord’s ‘STAR’ network and is the red color of the ‘STAR’ brand, and is designed to promote PIN-secured debit transactions by prominently displaying the STAR logo above the terminal’s keypad, and by automatically prompting the consumer to enter a personal identification number when a debit card is used for payment. The new terminal is built on the Hypercom ‘epic ICE 5700’ platform, and provides retailers with access to credit, debit, electronic benefits transfer, check verification, gift cards and loyalty cards. The terminal features a small ATM-like screen with touch-screen technology that supports frequency marketing programs.Details
Baltimore Technologies announced that it is a key member of the consortium selected to upgrade the Australian Defence communications network through the multimillion dollar e-Defence project.
Baltimore Technologies was chosen as part of the CSC-led consortium, to provide secure communications and e-business solutions to the 90,000 Australian Defence personnel. Under this agreement, Baltimore will provide e-security services in a deal valued at over A$1 million, that is expected to be recognised over a seven month period from June to year end.
The aim of the e-Defence project is to provide a sophisticated and integrated infrastructure to protect critical operational communications. Every member of Defence will be given a digital certificate that has been generated using an accredited public key infrastructure (PKI). These digital certificates will enable Defence personnel to uniquely sign and encrypt their electronic correspondence, giving this e-correspondence the same assurance and legal status as a signed, paper-based letter.
The e-Defence communications system will be based on the commercial off-the-shelf products that are currently being used by Defence. Baltimore will provide the expertise to increase the security provided by their mail systems to a level appropriate for the communication of highly sensitive information.
When completed, e-Defence will be the largest such information security project in the Southern Hemisphere and will be compliant with the Australian Government’s Gatekeeper requirements.
Background on Department of Defence communications network
— The defence network is one of Australia’s largest, covering over 300 locations nationally and offshore
— The Department of Defence consists of 90,000 personnel
What is the e-Defence project?
— Sophisticated privacy and integrity infrastructure to protect
critical operational communications
— The project will provide encryption, electronic signature
capabilities, e-mail enhancements, desktop-to-desktop
interoperability with allies and a tactical interface to the
battlefield. Smart Cards will be introduced in later phases of
— Timeframe for completion is 24 months
— Largest such information security project in the Southern
What does the e-Defence project mean to Defence?
— Commanders will have a network that meets their needs in
executing military operations
— Purchasing decisions for things such as weapon systems, can be
handled by the network
— The e-Defence project will create approximately 40 high-tech
jobs within the capital and regional Australia over the next
two to three years.
Who is implementing this system for Defence?
— CSC has signed a $34 million contract with the Department of
— CSC is partnering with Baltimore Technologies, Compucat
Research, Communications Design and Management, and Total
Logistics Management to implement the e-Defence system
About Baltimore Technologies
Baltimore Technologies develops and markets security products and services to enable companies to develop trusted, secure systems for e-business, the Internet and mobile commerce. Its products include a wide range of Public Key Infrastructure (PKI) products and services, access and authorisation management solutions, wireless e-security, cryptographic toolkits, content security products, security applications and hardware cryptographic devices.
Baltimore’s global professional services organisation offers a wide variety of consulting, training and deployment support to its customers worldwide. Baltimore Technologies markets and sells its solutions worldwide directly and through the TrustedWorld partner program. Baltimore TrustedWorld includes many of the world’s leading technology companies and a wide variety of global, regional and local business alliance partners.
Baltimore Technologies plc is a public company with dual listings on NASDAQ (BALT) and the London Stock Exchange (BLM). For further information and press releases on Baltimore Technologies, please visit www.baltimore.comDetails
Gift Check Solutions has been selected by Bandana’s Bar-B-Q to provide electronic gift card services to Bandana’s 11 restaurants located throughout Missouri and Illinois.
Gift Check Solutions will replace Bandana’s paper gift certificates with an electronic gift card program. Under terms of the contract, Gift Check Solutions will manage the design, ordering and processing of the gift cards for the restaurants.
“Gift certificate sales have always been an important part of our business,” said David Seitz, co-owner of Bandana’s Bar-B-Q. “We anticipate that by better marketing of our gift card program, our sales will increase even more. With our previous gift program, we would give customers change if they spent only $15 of their $20 gift certificate.
“With the gift cards, the remaining balance stays on the card and can entice customers to return to the restaurant a second or third time.”
Gift Check Solutions has developed customized gift cards for Bandana’s, featuring the restaurant’s logo and theme. The gift card program includes custom sorted reports containing useful information such as card activation date, activation amount, activation and redemption location, redemption amount, and card balance. In addition, customer service is available 24 hours a day, seven days a week.
“Gift cards allow Bandana’s to increase sales through unique marketing strategies,” continued Seitz. “We can get creative when displaying the gift cards around the restaurant, since they have no cash value until they are activated. Customers can also add more money to the card as the balance gets low.”
“We have found that our clients, as well as their customers, benefit from using our gift cards,” said John Bechard, president of Gift Check Solutions. “Our clients express their satisfaction with the time and labor saved, the additional marketing potential, and the card-usage reports they receive from our gift card programs.
“Our gift cards offer a modern and appealing image for our clients, while providing their customers with convenient cards that serve as a great gift for any occasion.”
About Gift Check Solutions
Based in Salt Lake City, Gift Check Solutions provides paper- and electronic-based gift products and services. The company manages the creation, processing, printing and fulfillment of gift certificates and gift cards. Paper gift certificates are encoded with a client’s bank account information and are processed like a check. Electronic gift cards utilize magnetic swipe card technology, allowing gift card transactions to be processed real-time via a secure network. Gift Check Solutions also offers hosted e-commerce services for online gift certificate ordering, and customized point-of-purchase materials to drive gift certificate sales throughout the year. For more information, visit [www.GiftCheckSolutions.com].
Oberthur Card Systems has formed
Oberthur Advise, a consulting division that will assist telecoms, financial
institutions, government agencies and transport operators develop strategic
plans for smart card program implementation. Oberthur Advise accesses
existing infrastructure, helps select cards and devices on through to
project coordination and training of personnel.
The consultants will develop customized packages that incorporate EMV
migration, UMTS migration, guidance on PKI and smart card personalization.
“Oberthur Advise has been created to provide sound advice, guidance and
project management to companies wanting to leverage the power of smart card
technology to benefit their business,” noted Martine Guignard, Director of
The Oberthur Advise team displays a combined expertise of smart card
experience drawn from a range of backgrounds both inside and outside
Oberthur Card Systems. For the past 15 years, Director of Oberthur Advise,
Martine Guignard, worked in the smart card industry and has been very active
in shaping smart card technology within industry bodies and trade
Oberthur Advise operates out of its Paris base, and will open up more
branches as needed to fulfill customer needs.
About Oberthur Card Systems
Oberthur Card Systems (Paris Stock Exchange – Code SICOVAM 12413), a global
leader and the innovator in the smart card industry, is shaping the future
by offering the ultimate in SIM, WAP, 3G (IMT-2000/UMTS), e-wallet
technologies & Internet-based card management services coupled with a firm
commitment to open standards.
Championing EMV migration, Oberthur is the world’s #1 supplier of MasterCard
and Visa cards, #1 in banking, e-commerce, m-commerce and pay-TV, Oberthur
is also the #1 in JavaTM and GSM technologies.
Oberthur Card Systems has an international reach ensured by 30 sales offices
and 20 manufacturing sites across the five continents. Oberthur Card Systems
had sales of 451.1 million Euros in 2000.
Smart VISA leader and sub-prime specialist, Providian Financial, reported Thursday that its revenue hit $1.76 billion in the second quarter, a 29% increase over 2Q/00. The issuer’s managed net interest income soared by 40% to $962.2 million thanks to sharply lower interest rates. As a result, 2Q/01 earnings were $232.4 million, compared to earnings of $187.6 million for second quarter 2000. During 2Q, Providian added 600,000 net new accounts and $2.1 billion to total managed credit card loans. Providian’s receivables are now growing at an annual rate of 39%. Providian reported 2Q/01 charge-offs of 10.29% versus 9.34% in the first quarter of 2001 and 7.42% one year ago. The 30+ day managed delinquency rate was 8.04% at quarter end, compared to 6.48% for 2Q/00. For complete current and historical data on Providian’s credit card portfolio visit CardData (www.carddata.com).
PROVIDIAN TRACK RECORD
2Q/01 1Q/01 4Q/00 3Q/00 2Q/00
EOP RECV: $30.5b 28.4 27.1 24.1 21.8
ACCTS: 17.7m 17.1 16.3 15.0 13.9
CHG-OFFS 10.29% 9.34% 8.48% 7.61% 7.42%
DEL (30+dy) 8.04% 7.64% 7.52% 6.71% 6.48%
Source: CardData ([www.carddata.com])
Western Union, one of the world’s leading money transfer companies and an innovator in the field of electronic person- to-person money transfer transactions 130 years ago, announced that BidPay.com, Inc.([www.bidpay.com]) is now the newest member of the Western Union family of products and services. BidPay.com is a top Internet person- to-person (P2P) payment service option for online auction users.
The BidPay.com patent-pending technology facilitates online auction payments quickly and conveniently by allowing an online auction buyer to pay for winning bids with a Western Union branded money order* purchased via the Internet. As a part of the BidPay.com service package, the company processes the buyer’s order and then notifies the seller and buyer, via e-mail, that the money order payment has been processed and mailed directly to the seller.
BidPay.com is one of the few auction payment methods to incorporate the use of a money order as the payment instrument, and differs from many other Internet P2P players by using a buyer pays business model. Buyers pay a fee to purchase BidPay’s services including the money order, and merchants and auction sellers pay no transaction fees.
“BidPay’s package of services has extended the application of the traditional money order into a viable online auction payment solution. As a new economy business, BidPay has demonstrated strong performance with a buyer pays model that is working well for both buyers and sellers,” said Mike Yerington, president for Western Union North America. “The integration of BidPay into Western Union’s service family provides opportunities to leverage the trusted reputation of the Western Union brand and the support of other First Data companies to grow the business through an already established presence in the Internet auction payment market.”
In existence since April 1999, the BidPay.com service is listed as a payment option on more than 600,000 auction seller’s sites and continues to grow monthly. Western Union, a subsidiary of First Data Corp. (NYSE:FDC), acquired BidPay.com earlier this year and will relaunch the BidPay.com site this week with the company’s branding. The new service, branded Western Union(R) BidPay(http://www.bidpay.com), will offer enhanced customer service.
“BidPay complements Western Union’s other person-to-person payment services and is consistent with our vision of providing a broad range of Internet payment and processing choices to our ever-growing consumer base,” Yerington added.
Western Union BidPay is the latest in a series of new Internet services offered to consumers by Western Union, which include:
* Western Union Money Transfer(R): offers consumers an online money transfer service with immediate cash payout at more than 100,000 agent locations in more than 170 countries and territories. (http://www.westernunion.com)
* Western Union(R) MoneyZap(SM): enables individuals and businesses to send, request and receive money online. (http://www.moneyzap.com)
* Western Union(R) Gift Gram(SM): provides consumers a personalized way to send the gift of money with a specially designed Western Union(R) Gift Check(SM) that is purchased online and sent directly to the recipient with a customized message via a variety of ground delivery options. (http://www.westernunion.com)
* Western Union(R) Quick Collect(R): offers consumers the ability to make a wide variety of bill payments to more than 4,000 billers online quickly and hassle free. (http://www.westernunion.com)
About Western Union
Western Union Financial Services, Inc., a subsidiary of First Data Corporation (NYSE:FDC), is a worldwide leader in consumer money transfer services. The company provides rapid money transfer service through a global Agent network. Consumers can quickly, safely and reliably transfer money at more than 100,000 Agent locations in more than 185 countries and territories using the Western Union money transfer network. 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 [www.westernunion.com]
About First Data
First Data Corp. (NYSE:FDC), 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 [www.firstdata.com].
Businesses and government agencies were given a compass, as Visa U.S.A. announced the launch of the Visa SupplierLocator.
This new Internet tool will assist Visa commercial customers in identifying suppliers that accept Visa commercial payment products, along with providing the ability to search for suppliers identified by distinct criteria such as minority ownership information, merchant location, and business classification.
An easy-to-use Web resource, the Visa SupplierLocator enables Visa commercial cardholders to conveniently identify new suppliers that accept Visa. Additionally, it is equipped with functionality to provide an onscreen map of each selected U.S. merchant location. The Visa SupplierLocator can also benefit suppliers by giving them an opportunity to gain visibility and potentially grow their customer base.
“Similar to a favorite search engine, the Visa SupplierLocator will become an invaluable resource,” said Michael L. Dreyer, Senior Vice President, Commercial Solutions, Visa U.S.A. “This tool is another example of Visa’s continued efforts to add tremendous value at every stage of the procurement and payment cycle.”
The information available on the Visa SupplierLocator comes from the Visa Merchant Profile Database (VMPD), a repository of high-integrity supplier information gathered from sources including transaction detail and public information. This data enables Visa commercial cardholders to make more informed purchasing decisions and to meet federal and state regulatory requirements.
The Visa SupplierLocator is the best place to start when looking for a supplier, greatly simplifying a once daunting task. Although inclusion in the SupplierLocator carries no endorsement by Visa of a supplier’s products or services, this data is an invaluable resource to business. This tool is another example of Visa’s commitment to remain the best way to pay and be paid in the commercial marketplace.
In addition to the Visa SupplierLocator, Visa commercial cardholders benefit from a wide variety of products and services that help organizations build flexible solutions that promote cost efficiency and financial control. Visa’s enhanced reporting and supplier data helps make businesses financially smarter.
The Visa SupplierLocator is available on the Internet, and can be accessed at [www.visa.com] under “Business Highlights.”
Visa is the world’s leading payment brand and largest consumer payment system, enabling banks to provide their consumer and merchant customers with the best way to pay and be paid. More than 14,000 U.S. financial institutions rely on Visa’s processing system, VisaNet, to facilitate over $810 billion in annual transaction volume – including more than half of all Internet payments – with virtually 100 percent reliability. U.S. consumers carry more than 353 million Visa-branded smart, credit, commercial, stored value and check cards, accepted at approximately 22 million locations worldwide. Visa has long led the industry in developing payment security standards, and has been named the most trusted payment brand online. Visa’s people, partnerships, brand and payment technology are helping to create universal commerce – the ability to safely conduct transactions anytime, anywhere and by any device. Please visit [www.visa.com] for additional information.
Joining the chorus of other major issuers, Fleet blamed higher charge-offs on the recent rise in consumer bankruptcies which have soared ahead of upcoming legislation. Fleet reported second quarter charge-offs of 6.31% compared to 5.55% for 1Q/01 and 5.78% for 2Q/00. As a result of the bankruptcy factor, Fleet, like other issuers have experienced lower delinquency rates. Fleet reported 2Q/01 delinquency of 4.40%, compared to 4.75% for 1Q/01, and 4.38% for second quarter 2000. At the end of June, Fleet had $14,565,000,000 in domestic credit card receivables, a 5% increase over 2Q/00’s $13,819,000,000. However charge volume dropped 5% compared to 2Q/00, from $5.8 billion to $5.5 billion. For complete current and historical data on Fleet’s credit card portfolio visit CardData ([www.carddata.com]).
FLEET TRACK RECORD
2Q/01 1Q/01 4Q/00 3Q/00 2Q/00
EOP RECV: $14.6b 14.3 14.9 14.4 13.8
Q-VOL $ 5.5b 4.3 5.3 6.2 5.8
ACCTS: 6.7m 6.6 6.8 6.7 6.6
ACTIVES: 5.3m 5.2 5.3 5.2 5.2
CARDS: 10.3m 10.3 10.1 10.0 9.8
Source: CardData ([www.carddata.com])