RUSSIA

IFS International, Inc.
announced that its software is being utilized in a
processing center, established by the Banking Production Centre (BPC) for ING
Bank (Eurasia) ZAO (ING Bank), a subsidiary of ING Barings — one of the
largest financial institutions in Europe.

BPC, IFS’ authorized distributor in the Russian Federation, built and
installed the processing center of ING Bank within three months, utilizing
TPII and TP-CMS, IFS International’s front and back office software. Last
December, VISA International certified TPII and TP-CMS at ING Bank, which
enables ING Bank to issue and serve all VISA card products successfully.

“This is the second certification of TP-CMS in Russia,” commented Anatoly
Loginov, CEO of BPC. “ING Bank comprehends the advantages of this
fundamentally new product, and BPC made the power of the product available to
the customer. We are fully satisfied we’ve justified the customer’s
confidence and fulfilled the complex project works prior to create the
processing center for ING Bank within 3 months — rapidly and successfully.
The project started in September 2000 and in December 2000 the system was
certified by VISA International. Following the progress worldwide, the new
TP-CMS product continually gains the confidence of major high-tech financial
institutions in Russia.”

Nick Kirkham, Business Development Manager, CEE, IFS International, added,
“IFS International is privileged to have BPC as our partner and gained ING
Bank as our customer. The success of this project within three months is
testimony to the strategic relationship between IFS and BPC which has seen IFS
emerge as the major supplier of EFT transaction solutions in the Russian
Federation.”

About IFS International Holdings, Inc.

IFS International, Inc. and Network Controls International, Inc. are
subsidiaries of IFS International Holdings, Inc., which has headquarters in
the USA and subsidiary offices in the USA, UK, Singapore and Australia.

IFS International, Inc. develops, markets and supports software products
for the electronic financial market. IFS International’s TPII and TP-CMS
products provide support for ATMs, Point of Sale devices, network switches,
smart cards and card management. IFS International’s subsidiary, Global
Insight Group, is a supplier of strategic business and technical
implementation support services to the Retail Finance Industry.

NCI, Inc. develops innovative retail delivery applications like NCI
Business Centre(TM), which combines network centric and browser-based
technologies in “One Application” to automate all delivery channels such as
branch teller, platform service, call center, Internet banking and customer
relationship management.

Details

LUXEMBOURG

NEXOR, Ltd, the leading provider of secure messaging and directory
solutions, announced a strategic alliance with
EuroSignCard S.A. a trust centre with operations in Luxembourg serving the
financial sector.

The partnership will enhance the EuroSignCard PKI offering with the secure
messaging capability of NEXOR. This will be
marketed to the European Union market, with particular concentration in the
Benelux area of operations.

“We are delighted to be working with a company that markets the highest
calibre of secure messaging products, products
demanded by our customers,” reports D.G. Sweigert, Managing Director of
EuroSignCard S.A. “NEXOR’s record of
achievement with financial institutions in the European Union speaks for
itself,” Sweigert continued.

NEXOR’s directory products will create a PKI repository for EuroSignCard’s
PKI trust centre in Luxembourg. This will
enable EuroSignCard to deliver enhanced PKI solutions to the European Banking
Community. They will also work towards
interoperability and compatibility testing of digital signatures conforming to
the new European Union Digital Signature Directive.
NEXOR were selected as the preferred directory vendor because of the product
scalability, throughput and proven
interoperability.

“EuroSignCard are a driving force in the adoption of European Digital
Signatures and we are extremely pleased to be working
with them to deliver solutions that meet the needs of modern financial
institutions,” reported Ed Harrington, Vice President for
Strategic alliances at NEXOR. “This alliance can only strengthen both parties
capabilities and considerable reputation in
European Finance.”

NEXOR’s directory technology is currently utilised by the majority of
European Federal Banks including the Bank of England,
Deutsche Bundesbank and the European Central Bank.
EuroSignCard S.A. should not be confused with EUROCARD, a registered
trademark of EuroPay of Waterloo, Belgium, or
MasterCard, a registered trademark of MasterCard International, New York City,
USA.

About EuroSignCard S.A.

Headquartered in Luxembourg, EuroSignCard S.A. provides security technology
for electronic transactions to commercial and
government organizations. EuroSignCard products include Public Key
Infrastructure (PKI) architectures, smart cards, and
cryptography techniques. EuroSignCard S.A. is a solution partner of Baltimore
Technologies and Identrus LLC. The firm
specialises in technology that complies with E.U. Directive 1999/93. Corporate
web site www.trusttheweb.com or www.eurosigncard.com.

About NEXOR

Founded in 1990, NEXOR is an international software house with offices in
Nottingham, UK and Virginia, USA. NEXOR
provides organisations with sophisticated methods for managing and securing
their electronic communications. The company has
a significant presence in military, federal and financial markets where secure
and reliable communications are imperative.
NEXOR’s products combine an understanding of mission critical messaging
environments with a history of providing leading edge
technology. This industry and technical credibility is reflected in the current
range of products which are enhanced by
comprehensive support, consultancy and training services.

Details

BELGIUM

Europay International and MasterCard International introduced the next
generation of m-payment solutions, by implementing a PIN-based, EMV chip card
transaction using a mobile phone. This was made possible by using a
Eurocard®-MasterCard® card and a Motorola Timeport GSM.
This multi-channel, m-payment transaction will be demonstrated at the Motorola
and Oberthur Card Systems stands at the GSM World Congress in Cannes, France
(20-23 February). It is expected that this new method of secure, online
shopping will be rolled-out later this year.

Motorola’s Timeport model of its tri-band, dual slot GSM is now able to accept
Eurocard-MasterCard M/Chip Lite™ cards. Europay and MasterCard developed the
specification and Europay has upgraded its online test merchant site ‘Europay
Shop’ (htttp\shop.europay.com) to support these mobile EMV payment
transactions. Oberthur developed the card applications, including the SIM
application for mobile phones.

Crédit Mutuel will issue the first EMV smart cards in France in late 2001.
France Telecom Mobiles has upgraded its mobile payment solution (launched in
June 2000) and is providing the GSM infrastructure. It has also developed the
gateway for the demonstration transactions. In the near future, its customers
will be able to conduct payment transactions with both French and international
e-commerce merchants.

France has been a leader in developing first generation smart cards, and was
the first country to establish a national chip conversion programme, thereby
helping to reduce card fraud. In this significant move, Crédit Mutuel and
France Telecom Mobiles demonstrate their ability to provide consumers with the
latest innovations and initiate the move to global interoperability based on
EMV smart cards. This expands consumer use of the new generation of payment
cards beyond the physical world and into the global, borderless, virtual world.

…More

“Europay, and its strategic partner MasterCard, are delighted to demonstrate
this innovation at the GSM World Congress,” said Olivier Denis, Product
Manager, Mobile Commerce at Europay International. “This project illustrates
the true benefits of EMV-chip cards as the key to a whole range of new retail
channels and brings us even closer to enabling Eurocard-MasterCard and Maestro®
cardholders to shop anytime, anywhere in this new secure e-commerce
environment,” he added.

“This move further emphasises a high level of confidence in EMV-chip beyond the
physical world,” said Pascal Dufour, Senior Manager, New Products Introduction
at Europay International. “We expect continued growth over the next few years
in the use of EMV-chip technology to secure payments over the Internet and
mobile channels,” he concluded.

“Crédit Mutuel believes that one of the best ways to distinguish itself in the
French marketplace is to give our customers the highest level of convenience in
their daily lives,” said Claude Brun, Crédit Mutuel. “We are now beginning to
deliver the full potential of smart card technology to our customers, wherever
they are in the world,” he explained.

“We believe that EMV is an excellent standard to enable France Telecom Mobiles
to develop its mobile commerce services to all its subsidiaries across the
world,” said Guy Lafarge, Marketing Director, France Telecom Mobiles.

Ed Sadowski, General Manager of Internet Software & Content Group, Motorola
EMEA, said “We are delighted to contribute to the first EMV implementation of
a tri-band, WAP-enabled Motorola mobile phone. We see this partnership as key
to Motorola’s commitment to standardise mobile commerce. The introduction of
this new service turns the mobile phone into a ‘mobile Internet access and
payment device’,” he added.

Stephane Mousse, Head of Marketing for Mobile Communications at Oberthur Card
Systems commented, “Oberthur has long championed the migration towards
EMV-compliance in the physical world and we are delighted to be at the heart of
this latest step facilitating EMV-based mobile commerce. This ongoing
collaboration truly demonstrates the capability of the smart card for payments
in the virtual world and brings secure mobile services to consumers’
fingertips.”

Details

Canada

DataWave Systems announced that it will offer a MasterCard-branded prepaid card
issued by Michigan National
Bank.

DataWave is a leader in the prepaid card business as a result of its
technology, which allows for point of sale activation of
prepaid card purchases. This announcement is a key component of DataWave’s
development plan for offering prepaid services
for new product lines such as Prepaid Cards, Prepaid Travel Cards, Prepaid Gift
Cards, and Prepaid Internet Payment Cards.

The prepaid card is designed to allow customers to make payments at any of
the more than 19 million MasterCard acceptance
locations worldwide. The cardholder will have the ability to check the card’s
balance and spending activity through a website.
The prepaid card is an ideal way for consumers to make purchases at MasterCard
merchant locations or through the Internet.

“The prepaid card will allow DataWave to create an additional revenue
source through new business ventures, in addition to
increasing revenue at our existing prepaid calling card sites. We anticipate
that future announcements will be forthcoming,”

commented Josh Emanuel, President and CEO for DataWave.
“DataWave’s technology will enable new payment products and services,” said
Marc Belsky, Senior Vice President, Payment
Products and Services, Michigan National. “We certainly anticipate that a
successful outcome of this project will be the
development of new products that benefit our customers while enhancing Michigan
National’s reputation as the financial services
provider of first choice in our markets.”

About DataWave (http//www.datawave.ca)

DataWave Systems designs, develops, produces, owns and manages a
proprietary, intelligent, automated
direct-merchandising network, comprised of free-standing intelligent machines
(DTMs) and over the counter “swipe” units
(OTCs) connected to the gateway and database software through a wireless and/or
landline wide area network. The DataWave
System enables the marketing of numerous products, from prepaid telephony to
financial products and services. This unique
leading-edge technology provides for point-of-sale activation, /credit card
acceptance, detailed reporting and 24/7 remote
self-diagnostic troubleshooting, making it virtually maintenance-free. The
proven success of the DataWave System has won many
prestigious national accounts in the US prepaid calling card market. This is
the enabling technology that will allow the Company
to enter new markets with new prepaid products.

Recently named 21st fastest growing technology Company in Canada by
Deloitte & Touche in its 2000 Canadian Technology
Fast 50 Program, DataWave is now poised to capitalize on the flexibility of its
System by augmenting its product range to meet
the diversified and changing needs of the prepaid market and in further
developing strategic partnerships.

About Michigan National

Michigan National provides a wide range of financial services and offers
creative ideas and product options designed to help
consumers and businesses meet their financial goals. It is committed to being
the financial services corporation of first choice in its
markets and provides the leading-edge products and services that customers
expect from a member of a global financial
network. Visit Michigan National’s web site at
http//www.MichiganNational.com.

About MasterCard

MasterCard International has the most comprehensive portfolio of payment
brands in the world. More than 1 billion
MasterCard(R), Cirrus(R) and Maestro(R) logos are present on credit, charge and
debit cards in circulation today. An
association comprised of more than 20,000 member financial institutions,
MasterCard serves consumers and businesses, both
large and small, in 210 countries and territories. MasterCard is the leader in
quality and innovation, offering a wide range of
payment solutions in the virtual and traditional worlds. With more than 19
million acceptance locations, no card is accepted in
more places and by more merchants than the MasterCard Card. In 1999, gross
dollar volume exceeded US$725 billion.

MasterCard can be reached through its World Wide Web site at
http//www.mastercard.com.

Details

SWEDEN

Hypercom Corporation
, a global leader in electronic transaction solutions, today announced that
Sweden’s nationalised pharmacy chain,
Apoteket, has purchased 3600 Hypercom HFT 117 card payment terminals to be
installed throughout this country. The HFT
117 devices will allow consumers for the first time to pay for medical supplies
using either their credit or debit cards. These POS
terminals have been purchased from Hypercom’s Scandinavian subsidiary Hypercom
Financial Terminals AB.

Apoteket, is one of Sweden’s biggest enterprises with 10,000 employees and
revenues of 24 billion SEK (US$2.6 billion). It
controls, distributes and sells medicine and drugs through 900 shops all over
Sweden. Last year Apoteket served around 60
million customers, with every medicine sale being reported to the Swedish
government.

Hypercom’s HFT 117 is a combined POS terminal and PIN pad. Designed for
cardholder operation, it addresses the
consumer’s increasing desire to control handling of their payment card.
Customers can enter their PIN numbers to verify
transactions. Accepting all local and international credit and debit cards, the
HFT 117 connects to in-store cash register systems,
allowing transaction details to be sent automatically to the payment terminal
and eliminating dual keying of details.

Hans Svedin, Operations Manager from Apoteket comments “More and more
cards are used for payment in pharmacies as
the cost for medical products is ever increasing. The new system with a secure
PIN pad makes payment much faster and more
convenient for the customer.”

Robert McLaughlin, Managing Director, Hypercom Europe says “In addition to
handling customer payments, this solution also
provides a secure method of authenticating individuals and downloading
prescriptions from a secure host database. Our
customers are increasingly finding new uses for our electronic transaction
processing equipment. The Healthcare industry has
traditionally been heavily reliant on paper-based forms and systems, however
attention is now shifting to automation, which may
involve the use of smart cards. This is creating a demand for card reading
appliances within pharmacies, surgeries and hospitals.”

“Hypercom solutions are increasingly being linked to healthcare insurance
providers and state organisations to verify eligibility
and keep records up-to-date. They quickly authorise transactions online, speed
up claims processing and reduce costs”
comments Jairo E. Gonzalez, President, Transaction Systems Group, Hypercom
Corporation. “This Swedish installation for
Apoteket verifies this trend, as do recent sales to the Brazilian National
Health card system, and medical insurers in the USA.”

McLaughlin concludes “The Apoteket sale has another significance. The
Swedish banking authorities have some of the
toughest rules in the world for the security of payment transactions. Hypercom
products beat those standards; consequently we
have made major sales in many sectors of the Swedish economy — Statoil
(forecourts), Ikea (furnishings), Kooperativa
forbundet (grocery) and now pharmacies.”

Hypercom Corporation (NYSEHYC) is a leading global provider of electronic
payment solutions that add value at the
point-of-sale for consumers, merchants and acquirers. Hypercom’s products
include secure card payment terminals and web
appliances, networking equipment and software applications for e-commerce,
m-commerce, smart cards and traditional payment
applications.

Headquartered in Phoenix, Arizona, Hypercom maintains an installed base of
more than 3.5 million card payment terminals
which operate in over 100 countries and conduct more than 2.5 billion
transactions annually. Hypercom’s Internet address is

www.hypercom.com.

Details

United Kingdom

Credit card fraud in the European Union rose 50% last year, with fraudulent
transactions topping 600 million euros. Most of the fraud has been linked to
telephone and Internet sales. To respond to the rise in the number of illegal
transactions, the European Commission launched a three-year plan aimed at
tackling fraud across Europe. Part of the plan calls for accelerating the use
of smart cards and the installation of a special EU helpline.

Details

BELGIUM

Proton World and Gemplus announced that the first Proton Prisma
multiple-application smart cards will be supplied by Gemplus.
The new Gemplus card is called GemProton Prisma. It uses JavaCard technology
and is the first smart card to integrate CALC, Proton World’s spearhead
implementation of the forthcoming Open Platform 2.1 specifications. It will
enable issuers in the banking sector to migrate to the new global standards
such as EMV (debit/credit) and CEPS (e-purse) which will enable international
interoperability. It will also be possible to load and remove applications
remotely and in a highly-secure manner after the cards have been issued.
The first batch of GemProton Prisma cards will be supplied to Banksys in
Belgium and Interpay in the Netherlands for use in the pilot implementation of
internationally-interoperable CEPS-compliant e-purses in Belgium, France, the
Netherlands and Spain that was announced at the Proton World Forum in Ghent on
12 September 2000.

Proton Prisma offers a multiple-application smart card platform, with
applications such as domestic e-purse, interoperable CEPS-based e-purse,
EMV-compliant credit/debit, PKI-based authentication and m- & e-commerce
payment.

In line with its overall open product strategy, Proton World has made the
Proton Prisma specifications available to other existing certified Proton
third-party manufacturers, and expects other card vendors to follow the lead of
Gemplus.

Mr Gilles Michel, Executive Vice-President, Financial Services Business Unit at
Gemplus, said “Gemplus is delighted to position itself on the
multi-applications market with a major player like Proton World, and its
innovative Proton Prisma solution. The development of the GemProton Prisma
completes our JavaCard range with a new generation of multiple-application
smart cards. These cards will facilitate migration to international
interoperability standards and will allow banks to differentiate themselves
from their competitors by offering customised products to their customers.”
Armand Linkens, CEO at Proton World, said ” We very much appreciate the support
of Gemplus in this key development for our product strategy. We are confident
that the CEPS pilot will demonstrate the robustness of CEPS-based systems. Our
existing licensees are also committed to migrate to the Proton Prisma
technology and so we are certain that a significant market will develop for
Proton Prisma-associated products of all sorts.”

Details

FRANCE

Gemplus, the world’s leading provider of smart card-based solutions,
security and wireless applications, and SLP InfoWare, a
global leader in predictive customer relationship management (P-CRM) solutions,
announced at the 3GSM World Congress
their joint development of SIM card-based CRM applications, marking a milestone
in Gemplus’ strategy to leverage the inherent
capabilities of the SIM card as the computing engine within the mobile device.

“The inherently secure and pervasive SIM card with its standard
communication infrastructure is the ideal host for customer
centric applications for mobile telephony and ultimately mobile computing,”
said Dr. Ron Black, vice president and general manager
for Gemplus’ Next Generation Networks Division. “These applications will
deliver fundamental business value for service providers,
while offering utility and privacy for end users.”
The technology extends SLP InfoWare’s P-CRM platform to the SIM card
whereby subscriber profiles are captured in real time
on the mobile device. As thresholds are reached, the P-CRM application sends
alerts over the air to the operator, triggering the
selection of an optimized offer to be sent back to the SIM card and displayed
on the mobile device. The SIM card ensures security
and maintains privacy for the subscriber. Inherent within this framework is the
ability for the user to deactivate or “opt out” of this
service. This technology is already in pilot at a tier one GSM operator.

SLP InfoWare’s P-CRM solution uses real-time subscriber data to proactively
identify end-users likely to churn, or opportunities
to cross-sell and up-sell, then promotes targeted offers that have a high
propensity to be accepted. With its Version 4.0 release, SLP
has added Upsell/CPS(TM) and Cross-Sell/CPS(TM) capabilities that complement
its Churn/CPS(TM) solution. “The enhanced
platform addresses both cost mitigation and revenue generation, maximizing the
value of each subscriber,” explained Jean Schmitt,
CEO of SLP InfoWare.

SLP InfoWare’s automated modeling environment creates predictive knowledge
used to design and optimize campaigns, which
are delivered in real-time to multiple customer touch points, including call
centers and eCare web sites. As subscribers contact the
service provider, they are scored in real time for a dynamic behavioral profile
that is matched with an offer that is most likely to be
accepted.

“Predictive modeling of customer behavior optimizes customer interaction by
providing subscribers with relevant offers, based on
real time profiling, designed to enhance the customer’s relationship with their
service provider,” said Dr. Wolfgang Martin, a senior
vice president with META Group. “The obvious next step for this state of the
art interaction model is bringing the profiling direct to
the device itself.”

About Gemplus

Gemplus (www.gemplus.com) is the world’s number one
provider of smart card based solutions for security, wireless and
e-business applications. Offering consulting services, design, software,
hardware, personalization and full implementation, Gemplus
works with its customers around the world to deliver comprehensive, integrated
and tailor-made smart card based systems.
The Group’s customers use Gemplus memory and microprocessor smart cards,
smart contactless cards, electronic tags, smart
objects and magnetic stripe cards to simplify and secure a wide range of
applications. From Web based and mobile commerce to
financial transactions, loyalty, transportation, education healthcare,
identity, pay TV and physical and logical access control, Gemplus
provides intelligent end-to-end solutions that bring security, convenience and
ease-of-use to millions of people worldwide.

Founded in 1988, Gemplus had sales of over 767 millions of Euro ($US 817
million) in 1999, and employs almost 6,300 people in
17 manufacturing facilities, 7 R&D centers and 44 sales and marketing offices
located in more than 37 countries.

About SLP InfoWare

SLP InfoWare (www.slpinfoware.com), a Gemplus
company, is a world leader in Predictive Customer Relationship Management
software (P-CRM) for the telecommunications, electronic commerce and mobile
electronic commerce sectors. The SLP InfoWare
P-CRM platform enables marketing professionals to build precise customer
behavior models and to use the analysis to automate
targeted marketing operations, to retain customers and guide one-to-one
marketing actions which personalize offers and product
groups. SLP InfoWare software is used to predict the behavior of over 30
million customers in the United States, Europe, Asia,
Africa and Latin America. Based in Paris, SLP InfoWare also has offices in
Boston, London, Frankfurt and Singapore.

Details

go2 Pilot

go2 Systems Inc., the originator of go2, the first global addressing and locator system designed for the Internet and wireless devices, announced the successful completion of a wireless Point-Of-Sale l-commerce trial demonstrating an entirely wireless order, purchase and payment transaction with a quick-serve restaurant using an Internet-enabled device.

go2’s four-month proof of technology pilot marks the first time a true l-commerce transaction has been completed using an Internet-enabled phone with a brick-and-mortar location.

According to a study released in January 2001 by Strategy Analytics Inc., the demand for mobile commerce services will generate revenues of $230 billion by 2006. go2 is leading the industry with the technology infrastructure necessary to make location commerce possible, from finding and navigating to the store to ordering and paying for the purchase.

L-commerce transactions add significant value to merchants and are expected to create a new medium that will be embraced by retailers, such as quick-serve restaurants, whose revenues are generated by mobile consumers.

“go2’s focus is on the location aspect of mobile commerce and we’ve worked on it aggressively to reach our goal of delivering a better product for users,” said Lee Hancock, founder and president of go2 Systems.

“Adding the ability to make and pay for purchases from a Web-enabled phone closes the loop in the wireless experience, from finding the nearest location and accessing data to customizing options and paying for the order, all through an Internet-enabled device.”

POS Trial Information

go2’s POS l-commerce pilot was conducted with Johnny Rockets, the national fifties-themed relaxed dining restaurant chain, at their store in Long Beach, Calif. go2 designed its POS l-commerce technology to cater to take-out orders where people are most mobile.

go2 seamlessly integrated the restaurant’s menu, options for users’ preferences, up-sells, promotions and means to house credit card and other information to complete the transactions, including sales tax, all through the phone without needing to call the location.

Once the order is placed, payment is processed and availability of items is confirmed, a notification e-mail of activity is sent along with a confirmation number or alias for users to retrieve their order.

The POS l-commerce system uses an always-on Internet connection to permit orders via Web-enabled devices to be received and automatically processed by the merchant. Consumers can then securely pay for the products and services using saved credit card information and other payment alternatives.

go2’s l-commerce software interfaces with existing brick-and-mortars’ POS systems to deliver the specified information provided by the user. At the restaurant, the l-commerce order is processed along with the other orders to provide a quick and easy pick-up solution. For the trial, Nextel equipment was used.

“Nextel supported go2’s l-commerce trial with i1000 plus phones and Nextel Wireless Web service,” said Greg Santoro, vice president Internet and wireless services for Nextel Communications. “Nextel has always been on the forefront of communication innovation and we are excited to be involved with go2’s wireless mobile commerce trial.”

Retailer Advantages

go2’s l-commerce system was designed to impact retailers’ operations by increasing the number and size of transactions during peak hours and provide automatic and customized up-sells and reduce order processing time. go2 expects quick-serve restaurants across the United States to adopt and use this technology.

Coca-Cola signed a five-year agreement with go2 in which Coca-Cola will offer go2’s services to its fountain customers in the quick service and casual restaurant sectors as well as in the convenience and petroleum and theatre verticals.

“go2’s Web-based technology provides a platform from which we are able to assist our food service customers in growing food and beverage category sales through promotion and mobile-commerce,” said Tom Moore, senior vice president and general manager of Coca-Cola Fountain.

go2’s POS technology provides another medium for retailers to reach customers while increasing revenue at peak hours. The POS l-commerce system includes logic that delivers automated up-sells resulting in higher check averages, and assists in the reduction in labor costs.

go2 is featured on virtually all major North American carriers, including Verizon Wireless, Sprint PCS, AT&T, Nextel and Cingular and can be accessed through pager and PDA networks such as Neomar, Omnisky and Palm.

The real-time location and information data for go2’s growing base of blue-chip customers and partners, including major U.S. companies such as worldwide brand Coca-Cola, Jiffy Lube, Ramada, House of Blues, Jamba Juice and Cinnabon, will soon include promotions, coupons and specials designed to save users time and money.

“Johnny Rockets is enthused to work with go2 on this pilot,” said Mike Shumsky, chairman and CEO of Johnny Rockets. “We immediately saw the benefit of having access to the wireless mobile consumer and the value pre-paid transactions bring merchants and consumers.”

About go2 Systems Inc.

A privately held company based in Irvine, Calif., go2(R) launched the first location-based directory available over the wireless Web in December 1999 and today is the most widely distributed location-based directory and information services provider for users of Web-enabled wireless devices.

The company’s patented location referencing technology supports go2’s ability to provide location-based information for more than 16 million real-world locations in the United States and serves as a cross-platform location interface with all Web-enabled wireless systems, applications and devices, including cell phones, PDAs, and pagers.

go2 facilitates navigation and commerce by allowing users to save time and money by finding the closest products and services, wherever they are. Visit [www.go2online.com][1] or any of the hundreds of topic- and brand-specific go2 Web sites in the “go2____.com” format.

[1]: http://www.go2online.com/

Details

ICED ATMs

A new breed of ATMs has emerged which incorporates a new generation of card payment terminals. The development marks the first time Hypercom has entered into the ATM sector. OH-based Western Reserve Group yesterday unveiled its new ‘Vision 100’ ATM machine which integrates Hypercom’s ‘ePic ICE 6000’ card payment terminal and ‘Visual HDT’ C++-based developer’s software. The new machines will be deployed in late March following a batch of field tests.The new ATM will debut next week at the ‘ATMIA 2001 East Conference’ in Clearwater, FL. The new ‘WRG Vision 100’ ATM machine features a 5.7″, 256-color 1/4 VGA touch-screen graphics display with spill-proof display and keypad. The unit will enable vendors to offer revenue-generating on-screen, digital advertising and interactive electronic coupons, and conduct remote monitoring. Additionally, Hypercom’s VHDT gives software developers the ability to develop or customize applications. Hypercom’s ‘ePic ICE’ devices are high performance, touch screen-based, Internet-enabled card payment terminals and web appliances that incorporate a firewall multi-application operating system, EMV chip card capability, secure PIN pad, built-in HTML/HTTP web browser and integrated receipt printer.

Details

Mellon Voice ATMs

Mellon Bank announced that it has equipped the automated teller machines at 11 Mellon locations in Pittsburgh, Philadelphia, and Harrisburg with voice-guided technology to assist visually impaired customers.

This pilot program establishes Mellon as the first major financial services provider to offer voice-guided technology in Mellon’s retail market area. The voice-guided feature is designed to allow visually impaired customers to insert a conventional set of audio headphones, similar to those used with portable radios and music players, into the ATM. The customer then hears through the earphones private voice instructions on how to conduct basic ATM transactions.

The ATMs at the following Mellon locations have been equipped with voice- guided technology:

Pittsburgh (4 locations):

— Oliver Avenue – downtown, opposite Mellon Square

— Penn Hills – 6125 Saltsburg Road

— Ross Park Mall

— University – Fifth Avenue & Craig Street, Oakland

Harrisburg (1 location):

— Main – 10 S. Market Street

Philadelphia (6 locations):

— Bala Cynwyd – 15 City Line Avenue

— Haddington Mall – 57th and Vine Streets

— Second & Chestnut – 123 Chestnut Street

— Stenton – 6324 Stenton Avenue

— University City – 36th and Walnut Streets

— Eighth and Walnut – 830 Walnut Street

“This technology was designed to allow visually impaired customers who use these ATMs to hear a helpful voice. We hope they also hear the sound of a financial services provider attempting to meet their special needs,” said Paul S. Beideman, executive vice president and head of Mellon Retail Financial Services. “Piloting this first series of talking ATMs in our retail market area reflects our commitment to providing our retail customers with a level of service commensurate with Mellon’s corporate objective of becoming the best performing financial services company.”

“By making it easier to interact with an ATM, voice-guided technology provides an important assist to visually impaired people living independently in our community” said Dr. Richard L. Welsh, president of Pittsburgh Vision Services. “We congratulate Mellon on being the first financial institution in Pennsylvania to provide this service, and we look forward to working with Mellon on ways to make the service as responsive as possible to the needs of visually impaired customers.”

Mellon Financial Corporation (NYSE: MEL) is a global financial services company. Headquartered in Pittsburgh, Mellon is one of the world’s leading providers of asset management, trust, custody and benefits consulting services and offers a comprehensive array of banking services for individuals and corporations. Mellon has $2.8 trillion in assets under management, administration or custody, including $530 billion under management. Its asset management companies include The Dreyfus Corporation and Newton Investment Management Limited (U.K.).

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Global Payments & TransFirst

Global Payments Inc., formerly NDC eCommerce, announced that TransFirst has renewed its contract for services. The company will continue to obtain authorization and capture services, voice authorizations, as well as touchtone capture, from Global Payments.

President of TransFirst, Rusty D. Shaffer, said, “Global Payments has provided exceptional front-end services to TransFirst for over four years, helping us to become one of the fastest-growing merchant acquirers in the industry. This agreement shows the confidence we have that our relationship will continue to grow and to flourish in the future as we move into some new areas.” TransFirst, with headquarters in Boulder, Colorado, is one of the premier processors for community banks in the United States. The company prides itself in providing superior customer service to its merchants and bank customers, and is quickly adding new customers through agent bank and ISO channels, as well as through portfolio acquisitions.

“President and CEO of Global Payments, Paul R. Garcia, said, “Our front- end services will continue to enable TransFirst to attract new merchants through our flexible and diverse point-of-sale processing applications offered at competitive prices. Given our ability to provide all the services they need as they grow, we look forward to a long and successful relationship.”

Global Payments Inc. is a leading provider of electronic transaction processing services to merchants, Independent Sales Organizations (ISOs), financial institutions, government agencies and multi-national corporations. Global Payments offers a comprehensive line of payment solutions, including credit and debit cards, business-to-business purchasing cards, gift cards, check guarantee, check verification and recovery, terminal management and funds transfer services.

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