Banamex, with the purpose of
expanding its automated teller machine network and to obtain better
coverage for its users, today announced that it has purchased 500 new ATMs
from Diebold Mexico. The machines will be serviced through Diebold’s 39
service centers nationwide. Installation is anticipated to be completed by
July 2001.

This purchase forms an integral part of Banamex’s strategy to support
based technology through its network of self-service terminals. Additionally,
it offers customers more advanced electronic transactions and expands the
financial institution’s presence in the flourishing Mexican retail

“All of our terminals are highly reliable and designed to help banks
increase productivity,” said Ernesto Unanue, vice president and general
manager of Diebold Latin America. “We are very pleased that Banamex, which
has been our customer since 1987, continues to work with us to expand and
improve their customer touch points.”

“By purchasing a variety of ATM models Banamex is tailoring the solution
to the location for optimal use,” Unanue said.

Banco Nacional de Mexico (Banamex) was established in June 1884, following
the merger of Banco Nacional Mexicano and Banco Mercantil Mexicano. A pioneer
in Mexican banking, Banamex was the first to introduce the savings account in
1929, and in 1958, it introduced personal loans and the first Mexican credit
card. Banamex currently employs 29,000 people throughout Mexico and has
1,400 branches. The company forms part of Grupo Financiero Banamex – Accival,
which was founded in 1991. For more information, please contact the company’s
Web site at http// .

Diebold, Incorporated (NYSE DBD) is a global leader in providing
integrated self-service delivery systems and services. Diebold employs more
than 11,000 associates with representation in more than 80 countries worldwide
and headquarters in Canton, Ohio, USA. Diebold reported revenue of US $1.75
billion in 2000 and is publicly traded on the New York Stock Exchange under
the symbol ‘DBD.’ For more information, visit the company’s Web site at
http// .


Spring Card Battle

FleetBoston has lowered the bar on new credit card offers with a fixed 0% interest rate on new purchases and balance transfers until December 1. Teaser rate competition has been heating up among the top issuers this month as Capital One and Citibank have been marketing long-term 0% intro rate credit card offers. Capital One is offering a 0% APR on new purchases until August for its ‘VISA Platinum Business’ card, while Citibank’s ‘Universal Platinum MasterCard’ is offering a 0% rate on balance transfers until January 1. The Fleet ‘Titanium VISA’ card requires a $100 minimum balance transfer to activate the introductory rate, according to CardWatch ([][1]). A fixed 9.9% APR applies thereafter on the Fleet ‘Titanium’. Fleet recently increased its late payment fee from $29 to $35 and decreased its purchase grace period from 25 days to 20 days.




NetValue, implementing an aggressive global strategy announced in Paris in
December, reported its purchase of certain assets of PC Data Online.
These assets include access to PC Data’s U.S. clients, international
and the possibility of converting PC Data North American panelists to
NetValue’s advanced, proprietary metering and analysis technology.
In a related move, NetValue also announced an agreement with comScore
a provider of infrastructure services to the Internet E-conomy, whereby
comScore will offer to service PC Data’s former clients with its Netscore

While NetValue will continue to pursue the development of PC Data’s strategic
alliances both in the U.S. and internationally, it will also explore further
possible global ventures with comScore. “This acquisition allows us to
reinforce our position in the US market with an enlarged panel base, new
clients and new international partners,” said Lennart Brag, Chairman and
CEO of
NetValue. “We are also excited about our emerging relationship with comScore
Networks and the great commercial potential offered by their massive global
database. These developments will further strengthen NetValue’s position as a
global leader in Internet Intelligence. As a company that goes beyond audience
measurement, we expect to play a significant role in the changing face of the
Internet industry.”
Headquartered in Paris with offices and panels around the world, NetValue is
recognized as a leader in tracking and interpreting online activity. Using
representative panels of global Internet users, NetValue delivers
insight into how specific population groups behave online and is the only
company to present the complete picture of global online behavior.
Jim Hatch, President, NetValue USA, described the PC Data transaction as “an
opportunity to provide corporations and research companies with the
technology to further develop consumer online intelligence.”

About NetValue

NetValue, a global leader in Internet Intelligence, delivers unprecedented
insight into online user behavior, e-business, Internet trends and
activity, by
incorporating its superior technology and pristine research methodology.
NetValue’s technology provides us with the unparalleled flexibility and
scalability to customize our offerings and tailor our products to meet
specific business needs.

It delivers the greatest depth and breadth of protocol measurement, capturing
all Internet protocol activity including web, e-mail, chat, audio, video,
games, instant messaging, FTP, etc. NetValue’s aggregation and categorization
technologies provide the most concise panel-based service providing real-time
intelligence about Internet activity. Founded in France in 1998, NetValue has
operations in the UK, France, Germany, Sweden, Spain, Denmark, Norway, US,
Mexico, Hong Kong, Singapore, Korea, China and Taiwan. NetValue clients
AOL, MSN, T-Online, Wanadoo, Mastercard, Procter&Gamble, Danone, Deutsche
Morgan Stanley, SG Cowen, Qualcomm and Harvard Business School. NetValue
can be
reached through its World Wide Web site at http//

NetValue Methodology

Panels are recruited by Taylor Nelson Sofres on an exclusive and global basis,
allowing for seamless international reporting. An establishment survey
quantifies and profiles the number of Internet users in each country. The
survey gathers both Internet related data (e.g. level of Internet penetration,
main ISP used, how long the household has been connected etc.), as well as
demographic and socio-economic data. Using an identical process for all
countries involved, TNS determines the characteristics of the Internet user
population through weekly telephone interviews. About comScore Networks
comScore Networks is a provider of infrastructure services to the Internet
E-conomy. By providing an anonymous, 360-degree view of more than 1.5 million
Internet users’ surfing and buying behavior, comScore’s solutions supply
businesses with detailed information on Internet behavior, enabling them to
optimize decision-making and fuel high-performance CRM solutions. comScore,
which launched in September 2000, is currently used by companies such as
Microsoft, American Express, Kraft Foods, Dell, AT&T, and Johnson & Johnson.

About PC Data

Based in Reston, VA, PC Data had been a leading provider of software and
hardware point of sale intelligence since being established in 1991. PC Data
Online measured web activity in the U.S., Canada, Australia, Taiwan, China,
Hong Kong and Italy and conducted real-time Internet surveys through its panel
of 120,000 home Internet users.



VASCO, a global provider of
enterprise-wide security solutions that support e-business and e-commerce,
announced its Digipass 110 secure smart card, the latest addition to the
Digipass family of strong authentication and digital signature products. The
Digipass 110, which is transparent to all market-leading smart card operating
systems, allows any organization to take full advantage of Digipass security
on a smart card platform. According to International Data Corporation (IDC),
the market for smart cards in Europe alone is expected to reach one billion
cards by 2004. By 2005, IDC expects the rest of the world to account for more
than half of the worldwide smart card market, thanks to accelerating growth
for smart cards outside of Europe.

“The Digipass 110 represents VASCO’s ability to rapidly deliver new
products to the market that meet the business needs of our customers,”
explained Jan Valcke, Executive Vice President of Sales and Marketing for
VASCO. “More and more of our customers are evaluating smart cards for an
increasing number of applications, including network security, access to data
and applications, and secure electronic commerce. Because it is compatible
with all market-leading smart card operating systems, we expect sales for the
Digipass 110 and other upcoming Digipass smart cards to quickly add to our
revenue stream.”

VASCO’s Digipass provides anytime, anywhere, anyhow security through
patented dynamic password and digital signature technologies that help ensure
positive identification of remote users and the integrity of data and
transactions. The Digipass family of products now includes the Digipass 110
smart card, Digipass 300, Digipass 600 providing logical and physical
authentication in one device, Digipass 700, Digipass 800 portable and secure
smart card reader, and Digipass Soft, which combines the security advantages
of Digipass strong authentication and digital signature with the flexibility
of a software-based solution.


VASCO secures the enterprise from the mainframe to the Internet with
infrastructure solutions that enable secure e-business and e-commerce, protect
sensitive information, and safeguard the identity of users. The Company’s
family of Digipass(R) and SnareWorks(R) products offers end-to-end security
through strong authentication and digital signature, true Single Sign-On,
access control and advanced entitlements, web portal security, and PKI
enablement, while sharply reducing the time and effort required to deploy and
manage security. VASCO’s customers include hundreds of financial institutions,
blue-chip corporations, and government agencies in more than 50 countries.
More information is available at http// .



Gemplus, the world’s leading smart card solutions provider, and
STMicroelectronics, a world leader in designing and manufacturing secure smart
card microcontrollers, announced the successful security certification of a
smart card solution that combines Gemplus’ embedded software and ST’s ST19
hardware platform. The certificate was granted under the new ISO15408
also known as the Common Criteria, to a level of EAL4 Augmented. The ST 19
platform and embedded Gemplus secure software will be used in smart cards for
telecommunications and banking applications.
For some years, the smart card industry has recognized the pre-eminent
importance of formal security evaluation and certification to internationally
recognized criteria. ISO15408 security evaluations are performed by
independent, accredited Evaluation Facilities licensed by an appropriate
Certification Body. In France, where the ST/Gemplus security evaluation was
performed, the Certification Body is the DCSSI (Direction Centrale de la
Securite des Systemes d’Information), a government organization that
reports to
the National Defense General Secretary. The evaluation was performed by SERMA
Technologies, based at Pessac, near Bordeaux, and the resulting certificate
awarded by DCSSI.

“We are proud of this common achievement with Gemplus, which illustrates the
benefits of re-using existing platform certifications,” said Maurizio Felici,
Group Vice-President and General Manager of ST’s smart card division. “Because
the ST19 hardware, including its development environment, was already
to ISO14508, the evaluation and certification process for the new product was
faster and less expensive, which benefits both our immediate customers and
their end users.” The ST19 was the world’s first smart card chip platform to
gain ISO15408 certification, which was awarded in May 2000.
“Increasingly sophisticated security measures are required to protect
businesses from technological attack,” said Daniel Bois, Senior Vice-President
Technology and R&D of Gemplus. “The certificate is a key achievement for us,
since it will enable our customers to implement, on a world-wide basis, fully
secure smart card based solutions for all types of electronic transactions.”
The ST19 family of microcomputer-based smart card ICs employs state-of-the-art
memory management techniques to allow the secure implementation of multiple
applications on a single smart card. ST19 devices also have an outstanding
resistance to the attack known as DPA (Differential Power Analysis), to which
many other designs have proven vulnerable.


GEMPLUS the world’s leading smart card solutions provider

Since its creation in 1988, Gemplus International S.A.(Euronext Sicovam 5768
and NASDAQGEMP) has driven the global marketing and deployment of smart
card-based applications for telecommunications, financial services and
e-business security.

Gemplus is instrumental throughout the value chain – chip design, card
management systems, software development, and consulting – delivering
integrated custom-made solutions for the security, personalization and privacy
management needs of clients and partners worldwide.
Gemplus technology has played a defining role in the development of wireless
telephony since the introduction of SIM cards into the GSM standard in 1990.
For more than a decade, Gemplus has pioneered applications that enable network
operators around the world to answer the changing needs of their customers.
Gemplus was first to market with a 3G card and supplies a product range
compliant with new and emerging transmission standards – 2.5G, 3G.
In 2000, revenue was 1.205 BE, up 57% from the previous year’s 767ME. Net
income was 99 ME. Gemplus employs more than 7800 people in 37 countries

Since 11 December 2000, Gemplus shares have been trading on Euronext Paris
First Market and on the Nasdaq stock market in the form of ADSs. Gemplus

About STMicroelectronics

STMicroelectronics (formerly SGS-THOMSON Microelectronics) is a global
independent semiconductor company, whose shares are traded on the New York
Stock Exchange, on the ParisBourse and on the Milan Stock Exchange. The
designs, develops, manufactures and markets a broad range of semiconductor
integrated circuits (ICs) and discrete devices used in a wide variety of
microelectronic applications, including telecommunications systems, computer
systems, consumer products, automotive products and industrial automation and
control systems. In 2000, the Company’s net revenues were $7,813.2 million and
net earnings were $1,452.1 million. Further information on ST can be found at


NV Fujitsu ATMs

Fujitsu-ICL Systems Inc. announced that Nevada ATM Service & Sales Inc., a leading Las Vegas-based bank equipment provider, has chosen the full line of Fujitsu automated-teller machines as the first new ATMs ever offered by the company.

Nevada ATM’s firsthand knowledge of the Fujitsu product made the decision to sell the Fujitsu Series 7000 ATMs and the Series 8000 ATMs an easy one, said Peter Leatherman, president of Nevada ATM. Fujitsu’s Series 8000 ATM is the first full-scale ATM based on the Microsoft Windows 2000 operating system. “Nevada ATM has been in the business for 12 years, and we are quite familiar with every brand of ATM. We chose the Fujitsu ATMs as the first new ATMs we’ve ever offered because we want to sell automated-teller machines that we consider wise investments for our customers,” said Leatherman. “Our customers — banks and credit unions throughout Nevada — keep these ATMs for many, many years, and they must be certain of the quality and reliability of their purchases.” Nevada ATM, which services all makes and models of new and used ATMs and cash dispensers, will not only sell the full line of Fujitsu ATMs, but will also provide installation, training, service and systems support to Fujitsu ATM owners and operators throughout Nevada.

Nevada ATM’s decision to sell the Fujitsu Series 7000 and Series 8000 family of ATMs speaks to the known reliability of Fujitsu’s full-scale ATMs, said Ron Omohundro, executive vice president and general manager for Fujitsu-ICL’s Transaction Systems division.

“Nevada ATM is a well-respected company, and it is a true compliment that they have chosen to sell Fujitsu’s ATMs as the first new line of ATMs offered in the company’s history,” said Omohundro. “This is a good fit for both companies.” Fujitsu-ICL services and supports Fujitsu-branded ATM hardware and turnkey hardware/software solutions via direct and indirect distribution channels. The company also offers customer-support services, including hardware support and repair; ATM integration, installation and rollout; and help-desk support.

About Nevada ATM Service & Sales Inc.

Nevada ATM Service & Sales Inc. is a privately held company founded in 1988 in Las Vegas by Peter and Cora Leatherman, who operate the company as president and vice president, respectively. Nevada ATM provides complete turnkey bank-equipment solutions to banks and credit unions throughout Nevada, supporting all associated sales, installation and service activities.

About Fujitsu-ICL Systems Inc.

Fujitsu-ICL Systems Inc. is a subsidiary of Fujitsu Limited, a $50 billion provider of Internet-based information technology solutions for the global marketplace. The company supplies bricks-and-clicks solutions that build on its established market leadership in retail and financial systems with innovative, Internet-based customer relationship management technologies. Its Transaction Systems division has almost 30 years experience in providing hardware/software solutions and services for retail point-of-sale (POS), specialized mobile computing and ATM applications. Its Transaction Applications division provides retail POS software applications and Internet-enabled customer relationship management (CRM) solutions that enable its clients to build high-value, personalized relationships with their customers. Web site: [][1]



leading global Internet Protocol Communications provider, announced the
successful launch of their new international roaming phone card, World Call.
Unlike most of the other pre-paid phone cards on the market, the World Call
phone card is a roaming card, which allows customers to make economical long
distance calls while traveling overseas. World Call roaming cards can be used
in major Asian countries such as Hong Kong, Japan, Singapore, as well as the
U.S. and Canada. Customers can make international phone calls to almost any
country in the world.

The World Call phone card utilizes a customized IVR (Integrated Voice
Responding) System and is able to provide different language support for
various calls, depending on the call’s origin. Johnny Lee,
Founder and CEO commented, “We believe our World Call phone card has
tremendous potential in our target market of business travelers and SMEs
(Small and Medium Enterprises). The World Call phone card’s roaming ability
in almost all the major countries in Asia makes it stand apart. I believe
that many people will soon find our cards not only cost-effective, but
convenient as well.”

Earlier this year, the World Call phone card underwent a series of
rigorous tests and consumer studies to establish service quality and customer
satisfaction. Johnny Lee further commented, “Our World Call phone card has
been well received by our corporate customers, as well as our retail

Based on the current popularity and success of the World Call card, we expect
these phone card sales to generate a substantial portion of revenues by the
end of 2001.” Paul Lee, Senior Vice President for Asia Pacific Operations of added, “ has successfully marketed several types of
international long distance phone cards in major Asian countries. Based on
these past success, we believe that the World Call card will further enhance
our phone card business in the Asia Pacific markets.” Presently, the World
Call international roaming card is available in 100 unit cards, with plans to
increase unit volume in the very near future.



Visa International announced the promotion of Caroline B. McNally, senior
vice president of global brand management, to the position of executive
vice president of global brand management.

McNally is responsible for global brand strategy leadership, including
directing Visa’s global brand strategy development; creating new brand
expressions and brand communications; establishing and monitoring brand and
corporate identity standards worldwide and conducting market intelligence.
She is also responsible for measuring and monitoring worldwide brand
performance for Visa, evaluating opportunities to expand the Visa brand and
building a brand culture within Visa.

“As the Visa brand is one of the most recognised and leading brands in the
world, it helps our members increase their profitability because the Visa
brand represents the most trusted way for their customers to pay anytime,
anywhere and any way,” said David Demarest, executive vice president of
Global Corporate Relations and Brand Management for Visa International.
“Working with our regions around the world, Caroline has exhibited a
remarkable talent for ensuring that our brand equities are preserved and
advanced globally.”

As the head of Global Brand Management, McNally recently developed Visa’s
latest brand expression, a new animated logo with a unique sound designed
to extend the company’s brand in e-commerce, mobile commerce, and other
emerging forms of payment beyond the point-of-sale. She also is responsible
for launching Visa’s first global advertising campaign targeting borderless
segments, such as international travellers.
McNally joined Visa in 1990 and has held positions including director of
international marketing, communications and destination marketing and vice
president of global brand marketing. She became senior vice president of
global brand management in 1997. Her extensive experience in financial
services marketing includes positions at American Express and MasterCard
International. While at MasterCard, McNally held the position of vice
president of marketing in New York and Paris.

She is a member of the board of the International Advertising Association
and a frequent lecturer at branding conferences worldwide. A graduate of
Vassar College, McNally received her Master’s in International Management
from the American Graduate School of International Management.



Drexler Technology Corporation has received an order release for one million
LaserCard optical memory cards under a U.S. government subcontract. The
high-tech cards are slated for use as U.S. Department of State “Laser Visa”
cards for frequent visitors from Mexico and as U.S. Immigration and
Naturalization Service Permanent Resident “Green Cards” conferring the
right to
live and work in the United States.

The optical card order is valued at more than $3 million in revenues to
and calls for delivery of the one million cards over seven months, from March
through September 2001, at an average rate of 143,000 cards per month. An
earlier one million card order, announced January 22, 2001, called for
deliveries of 110,000 per month through September 2001. Thus, Drexler’s
combined shipment rate under the two orders averages 253,000 cards per month.
Approximately 8 million U.S. and Mexican residents have received Drexler’s
cards since 1997, in the form of either Green Cards or Laser Visas. Currently,
the INS and DoS are personalizing and issuing the cards to about 300,000 more
people each month under these two programs. (The government’s issuance of
at the 300,000-card monthly rate utilizes an inventory of cards previously
manufactured by Drexler in addition to the monthly 253,000 card shipments.)

March and January card orders were released under a blanket procurement order
for up to 24 million LaserCard(R) optical memory cards under a five-year
subcontract awarded to the Company in June 2000, for cards to be used by both
the INS and U.S. Department of State.
The Laser Visa card and INS Permanent Resident Green Card are “digital
governance” applications, which represent Drexler’s principal LaserCard market
today. “Digital governance” means the utilization of digital information
technology to facilitate or expedite the process of governing by a nation,
state, region, municipality, agency, institution, or commercial enterprise.

LaserCard’s high-security features inhibit counterfeiting and data tampering
and provide controlled access to the rights granted by the card.
The most successful LaserCard applications to date utilize the card as proof
that the cardholder has a formal permission, privilege, or right from the card
issuer. Governmental and commercial examples include the right to reside and
work in another country; cross a border for commercial purposes; carry on a
business or profession; receive medical care, welfare benefits, or importing
privileges; utilize a motor vehicle; construct buildings; utilize expensive
medical equipment on a pay-per-use basis; obtain automobile maintenance
services; or obtain certain purchasing or tax benefits.
Headquartered in Mountain View, Drexler Technology Corporation
( manufactures LaserCard(R)
memory cards used for immigration, visas, pay-per-use systems, ID/access,
manifests, motor vehicles, healthcare, and other digital read/write
applications. Drexler’s wholly owned subsidiary, LaserCard Systems
makes optical card read/write drives, develops optical card system software,
and markets card-related systems and peripherals.


Concord Consolidation

Concord EFS announced this morning a company-wide consolidation plan to expedite the integration of its recent acquisition of Star Systems. Approximately 250 employee positions, which represent about 10% of Concord’s work force, are expected to be eliminated through a combination of management action and attrition. The three-part plan also includes consolidation of data centers and other facilities to eliminate redundancies; reassignment or termination of certain employees timed to coincide with the integration of redundant processing platforms; and functional integration of the STAR organization into Concord. Concord said the consolidation will cause a one-time charge, net of taxes, between $75 million and $90 million in 1Q/01.



VeriFone, a division of Hewlett-Packard Company, and worldwide leader in
electronic payment solutions, announced a marketing agreement with EHPT, a
joint venture between Ericsson and Hewlett-Packard, to offer an integrated
Internet payment solution that handles both micro- and macro-payments for
value-added e-services.

Micro-payments — very small transactions that are below the typical limits
set for credit card purchases, are used to charge for e-services billed in
increments, such as by the minute, hour, game, per point, per download, or per
online session. E-service providers need to support both micro- and larger
macro-payments made by consumers purchasing e-services, no matter what
Internet-enabled device they’re using. To achieve this, e-service providers
typically outsource the task of payment and collection to a payment service
provider like a telco, bank, processor or Internet Service Provider.

Jalda, a payment technology developed by EHPT, avoids the complexities and
expense of a proprietary micro-payments solution by offering payment service
providers a way to securely handle micro-payments over fixed and mobile
Internet-enabled devices. Payment service providers will be able to use the
Jalda-based EHPT SAFETRADER payment system and VeriFone’s e-Payment Server
(ePS) product to handle micro- and macro-payment transactions for e-services,
as well as the reloading of the accounts from which micro-payments are
deducted, and all infrastructures required to support it. EHPT SAFETRADER is
the first payment system based on the Jalda technology.

“Many people think Internet based services are restricted to what they can
access through their PC, but e-services will become ubiquitous — available
through a wide variety of Internet-enabled devices including cell phones,
vending machines, point-of-sale terminals, handheld PDA’s, and many others,”
said Patrik Attemark, marketing director, EHPT Internet Payment Systems. “Many
of these new e-services, like streaming video, music and on-line gaming, also
are charged in small, low-valued increments. As a result, e-service providers
need the power and flexibility to accept virtually the entire spectrum of
e-payments — small or large — no matter what Internet-enabled device is

VeriFone’s e-Payment Server (ePS) for macro-payments, integrated with our
Jalda-based EHPT SAFETRADER solution for micro- and session based payments
answers this need.”

VeriFone’s ePS is a comprehensive, standards-based solution that handles
traditional macro-payments over the Internet, including debit, credit, gift
card, and electronic check, as well as online, customer prepaid accounts. A
mission-critical payment server that provides essential capabilities for
automating and integrating Internet, wireless and physical transactions, ePS
interfaces with EHPT’s Jalda-enabled Internet payment system for
micro-payments. By integrating with EHPT SAFETRADER, VeriFone’s ePS enables a
payment service provider to reload capability for prepaid accounts and accept
macro payments.

How SAFETRADER and ePS Will Work Together

A consumer, for example, makes a payment of $10.00 or more — called a
macro-payment — to load value into an account. The funds in this account are
reduced over time as the consumer uses e-services that are charged using
incremental micro-payments, such as 3 cents per minute for an Internet
telephone call, or 10 cents per download for an online research service. Once
the funds in the micro-payment account are used up, the account holder must
make another macro-payment to reload the account with value.
“This agreement is an exciting continuation of VeriFone’s Payment Roaming
initiative, which acknowledges that in today’s Internet landscape, payments
e-services must be possible with any Internet-enabled device, at any time,
using any form of payment,” said Stuart Taylor, director of emerging markets
and business development at VeriFone. “Jalda technology and VeriFone’s ePS
solution will extend a wide range of e-payment methods to virtually any
Internet-enabled device. EHPT SAFETRADER gives payment service providers the
flexibility, security and reliability they need to support session-based
micro-payments, which are required for many emerging e-services.”


Jalda(TM) is a payment method developed by EHPT, a company jointly owned by
Ericsson and Hewlett-Packard. Jalda makes micro- and session based payments
possible from both fixed and mobile devices with Internet access. It is
based which means that both consumers and content providers are connected
to an
account managed by a payment service provider. Jalda supports digital content
delivery, B2C e-commerce, IP services and is also configured to operate within
3G applications. It uses RSA Public Key Infrastructure cryptographic
that enables the authentication and signing of Internet contracts. Find out
more at

About EHPT

EHPT is a global IT business, developing software applications for telecom
operators and Internet Service Providers around the world. EHPT’s product
portfolio is built on an open and modular architecture for use in both fixed
and mobile communications and the Internet. The company was founded in 1993 as
a joint venture between Ericsson and Hewlett-Packard. EHPT is represented
around the globe, with its Head Office in Sweden and a total of over 1,000

About VeriFone

VeriFone (http//, a division
of Hewlett-Packard Company, is the leading global provider of secure
payment solutions for financial institutions, merchants and consumers. The
division has shipped more than nine million electronic-payment systems, which
are used in more than 100 countries.

About HP

Hewlett-Packard Company — a leading global provider of computing and imaging
solutions and services — is focused on making technology and its benefits
accessible to individuals and businesses through simple appliances, useful
e-services and an Internet infrastructure that’s always on.
HP has 88,500 employees worldwide and had total revenue from continuing
operations of $48.8 billion in its 2000 fiscal year. Information about HP and
its products can be found on the World Wide Web at


south KOREA

Bank of Korea reported that cash advances provided by domestic credit card
companies grew 400% last year and overall household lending surpassed 264
trillion won (US$200.1 billion), up 24%. Ay year-end 2000, household
lending totaled 264.1 trillion won, up 24% from 213 trillion won at the end
of 1999. Household lending by banks, savings organizations, insurance and
credit card companies reached 238.2 trillion won ($180.4 billion), up 24.8%
from the end of last year. Credit card sales directly linked to consumption
by households rose 16.9% to 25.8 trillion won ($19.5 billion). Household
lending through cash service by credit card companies last year rose by
16.3 trillion won, 4.2 times of the growth in 1999 at 3.89 trillion won.