Diebold Advisor

Diebold has officially launched ‘Diebold Advisor’, a new status monitoring service for ATMs. ATM deployers can use this service to receive 24-hour feedback on the operating status of every ATM in their network. The service helps increase the amount of time ATMs are available for use while reducing the cost of network monitoring and maintenance. Several financial institutions began using the Diebold Advisor service in pilot programs including San Francisco-based Patelco Credit Union which used ‘Diebold Advisor’ to monitor the status of all 51 of its ATMs.

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Integrion Adds Visa

Integrion Financial Network — a leading provider of interactive banking and electronic commerce services to financial institutions — has added Visa USA to its Operating Board of Managers.

“Online banking is a reality and it’s gaining momentum,” said William E. Stewart, Executive Vice President of Operations & Systems for Visa U.S.A. “Visa fully intends to be in a position to help its member banks seize this growing opportunity, and our increased investment in Integrion is consistent with this aim.”

Visa USA immediately joins current members Bank of America, Bank One and Washington Mutual in governing the Integrion organization. As an owner of Integrion, Visa USA exercised its right to obtain a voting seat on the Integrion Board in return for an expanded capital investment. Visa’s action underscores the commitment of both organizations to delivering reliable infrastructure services to enable the financial services industry to compete in an increasingly electronic world.

“Integrion is looking forward to expanding upon the strong relationship we have built with Visa USA over the last several years to further develop the online financial services infrastructure required by our customer banks,” said William M. Fenimore, Jr., CEO of Integrion Financial Network. “They will be a valuable addition to our Board of Managers and an important contributor to the Integrion product solution.”

Both organizations will continue to leverage one another’s complementary strengths. Integrion represents over 1.1 million online banking subscribers while Visa USA offers its unmatched position as the nation’s largest payments transaction processor. Additionally, both Visa USA and Integrion share a commitment to advancing bank-centric interests in electronic commerce.

Visa USA has been an owner of Integrion since August 1997 when Integrion acquired Visa Interactive, a wholly owned banking subsidiary of Visa International. Integrion currently uses Visa’s ePay system as a preferred product to make electronic payments for its financial institution customers using its electronic bill payment solution.

About Integrion

Integrion Financial Network is a leading provider of interactive banking and electronic commerce services to financial institutions. Through the Interactive Financial Services (IFS) platform, Integrion offers financial institutions a network through which electronic transactions flow from multiple consumer access points to a bank’s host system and/or processor. Technology partnerships with IBM and CheckFree Corporation allow for the delivery of flexible, high utility applications that can be employed at a financial institution for the benefit of end customers.

Integrion’s operating philosophy allows banks to determine the manner and format in which home banking and electronic commerce services are offered, ensuring consistency with the bank’s full range of services, effective branding by the bank and maximum customer benefit. For more information, visit the Integrion web site at .

About Visa USA

As the World’s Best Way to Pay, Visa is the leading card brand and the largest consumer payment system worldwide, providing payment solutions for consumers, industry and government. It plays a pivotal role in advancing new payment products and technologies to benefit its 21,000 member financial institutions, their cardholders, and the global economy. Visa is the only payment system to facilitate more than $1 trillion worth of purchases of goods and services in a fiscal year. Visa’s more than 650 million cards are accepted at over 16 million worldwide locations, including more than 480,000 ATMs in the Visa/PLUS Global ATM Network. Visa’s Internet address is .

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Electronic Paycheck Deal

Lew Stone, president & chief executive officer of Community West Bancshares, announced the company’s E-Commerce subsidiary, Electronic Paycheck, LLC, has entered into an agreement with a la Carte International, LLC, a provider of dining rebate loyalty programs, to provide a loyalty service technology platform to a la Carte. A la Carte will sell these services to program sponsors that will promote them as a branded program for use by cardholders and merchants. Stone said, “We are extremely pleased to be working with a la Carte.

A la Carte provides access to the merchants and program sponsors in the loyalty services field. We have been searching for some time to find a partnership to integrate our loyalty services capabilities and expand our card base. The partnering of Electronic Paycheck and a la Carte provides us with our largest potential card audience yet.”

Stuart Graham, president of la la Carte, said, “Electronic Paycheck’s loyalty services platform will allow us to specifically tailor our system to the needs of each of our sponsors. By doing so, we can maximize each loyalty dollar to the sponsors and provide the most efficient means of tracking and crediting each and every dollar. Electronic Paycheck offers us the ability to focus our efforts on securing program sponsors and to perform sales and marketing roles while they focus on delivery of the technical services.”

Graham anticipated the first program to be launched during the third quarter of 1999, calling for approximately 50,000 cards. A la Carte’s plans are to have more than 500,000 cards issued during 2000.

Community West Bancshares is a technology and financial services company with headquarters in Goleta, Calif. Goleta National Bank, subsidiary of the company, has two full service branches, one in Goleta and one in Ventura, and loan production offices located in Alabama, California, Florida, Georgia, and Nevada. In addition, Goleta National Bank is a majority owner of Electronic Paycheck, LLC. Palomar Savings & Loan Association, subsidiary of the company, has two full service branches and a loan production office, all located in Escondido, Calif.

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Smart Additions

The Smart Card Forum (SCF), a multi- industry organization working to accelerate the widespread acceptance and application of smart card technology, yesterday announced that the University of Minnesota and the University of South Carolina Columbia have joined the largest smart card industry organization.

“Universities throughout the country are successfully implementing smart card application programs and setting an example for many other business industries to follow,” said SCF President and CEO Donna Farmer. “We are thrilled to have these prestigious institutions of higher learning join our growing ranks and offer perspective from their own smart card programs to the rest of our members. Additionally, they will benefit from all of the information we provide our members through our research findings and workgroup meetings, as well as the world class Smart Card Forum Educational Institute, the industry leading course dedicated to providing smart card education.”

As University Members, the University of Minnesota and the University of South Carolina are entitled to privileged access to the Smart Card Forum Consumer Research, other Forum sponsored research and documents, along with attendance at the Technical Working Group sessions, Educational Institute programs, and the Annual Meeting.

“We are proud to be a member of the Smart Card Forum. Card technology is an ever-changing environment and the University of Minnesota made the right move by joining The Smart Card Forum in an effort to acquire the correct and most current information,” said Shirley Everson, director, University of Minnesota Card Office.

The University of Minnesota is a land grant institution which has undergraduate, graduate and professional school programs serving approximately 55,000 students. The University currently uses magnetic stripe technology, however, the school’s representatives want to continue learning so that they can implement a smooth transition from mag stripe to smart card technology at an appropriate time.

USC Columbia is also in the process of evaluating the need for and benefits of a smart card implementation. According to Ken Corbett, assistant to the vice president and director of Special Projects for the Business and Finance Division, the school chose to become a member of the Forum because of the information available and ability to meet leaders in the industry as it begins its evaluation this summer. USC Columbia will celebrate its 200th anniversary in 2001, and is the only university in the U.S. celebrating a bicentennial with the start of the new millennium. Committed to becoming one of the finest universities in the country, USC Columbia is dedicated to achieving and maintaining nationally recognized excellence in its student population, faculty, academic programs, living and learning environment, technological infrastructure, library resources, research and scholarship, public and private support, and endowment.

About The Smart Card Forum

The Smart Card Forum is a non-profit, multi-industry organization of nearly 200 members working to accelerate the widespread acceptance of multiple application smart card technology by bringing together, in an open forum, leading users and technologists from both the public and private sectors. The Smart Card Forum is the leading organization for education and awareness of topical issues associated with the use and adoption of smart card systems. The Smart Card Forum also operates the Smart Card Forum Educational Institute, the industry-leading course dedicated to providing smart card education that has set the standard in the industry. The curriculum is based on leading edge educational models and methodologies utilizing experienced instructors who are experts in the smart card industry. For more information about The Smart Card Forum, log on to the organization’s Web site at .

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Schlumberger Expansion

Schlumberger, yesterday announced that it has purchased an 80 percent share in CardTech, a Brazilian magnetic card company for financial markets. The company says this represents an important step for Schlumberger in its strategy of having a local industrial presence in regions that have an important smart card market potential. Schlumberger has ten smart card manufacturing facilities around the world, including one in Mexico.

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iKey Solution?

Innovonics Inc. Tuesday announced that it has the solution to provide secure eCommerce transactions to eMerchants. Innovonics produces the patented ‘iKey’ device which connects to the customer’s PC in seconds and has a credit card reader, PIN pad, and smart card slot. The company says it solution enables eMerchants to process debit cards at debit card rates instead of credit card rates.

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President Kennedy

Equifax announced this morning that its board of directors has named Lee Kennedy president and COO, a new position for the company. Kennedy, who also was elected to the board of directors, has more than 28 years of experience with Equifax, most recently serving as EVP-group executive of Equifax Payment Services based in St. Petersburg, Fla. Larry Towe, former SVP and GM of Equifax Card Solutions International, will succeed Kennedy as EVP-group executive of Equifax Payment Services. Kennedy’s track record with Equifax includes SVP/GM for Equifax Card Solutions and president of the Telecredit Service Center. He was primarily responsible for securing long-term business contracts with the IBAA and CSCU.

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Major Oberthur Contract

Oberthur Smart Cards France announced Wednesday it has won the bid to manufacture the next round of ‘Sesam Vitale’ health cards. Under the terms of the program, some 40 million cards have been issued to health insurance subscribers by various health insurance providers. These smart cards hold basic information regarding the insured such as first name, last name, date of birth, covered children, etc. The card must be used each time the subscriber goes to see a health provider for an electronic prescription to be generated. The GIE ‘Sesam Vitale’ estimates it will need approximately 12 million cards over a period of three years to replace cards that have expired, have been lost or damaged. These cards will be sent to the personalization plants of CNAM TS and MSA, starting next month, and manufactured on demand.

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Mastercard Y2K Milestones

MasterCard International yesterday announced two important milestones marking the company’s readiness for the 21st century — the issuance by its members of more than 500 million cards with an expiration date in 2000 or beyond, and the successful completion of its internal systems upgrade effort. The internal readiness process has included system upgrades; a full slate of testing of those upgrades; a temporary freeze on changes to network systems; and a “clean room” process to prevent purchases of non-compliant technology.

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Compaq Smart PC

Compaq Computer Corp. Monday announced worldwide the new Aero(R) 8000, Compaq’s first Handheld PC Professional (H/PC Pro) device and the first mobile device to offer built-in Smart Card technology enabling more secure remote access to corporate data.

The Aero 8000 is the first H/PC Pro device in Compaq’s comprehensive lineup of Windows(R) CE-based handheld products, which includes the Aero 2100 Color Palm-size PC and C-Series Handheld PC devices.

Weighing just 2.9 pounds with a 10-inch SVGA screen, a keyboard 95 percent the size of standard portable keyboards and up to 13 hours of battery life(1), the Compaq Aero 8000 offers exceptional mobility and ease of use. The Aero also includes an embedded Smart Card reader/writer and a suite of advanced security applications, enabling the most secure and robust access to remote data available through a H/PC Pro device. With these unique features, the Aero 8000 is the ideal Windows terminal or thin client for mobile workers in field sales, service and healthcare organizations, and it provides a secure PC for reading and sending confidential e-mail.

“Compaq continues to provide innovative handheld PC products with the introduction of the Aero 8000. It is the ideal solution for today’s increasingly mobile workforce, who demand exceptional mobility and ease of use but still require secure access to corporate data,” said Ben Williams, Director, Displays and Peripherals Product Marketing, North America, Compaq Computer Corporation. “It provides the best features of a handheld — it’s very light and portable with instant on and off capabilities — combined with all-day battery life, a large screen, nearly full-sized keyboard and lots of room for expansion with CompactFlash and PC Cards.”

Unparalleled Security and Connectivity for Corporate Environments

The Aero 8000 is the most secure H/PC Pro device available, thanks to its embedded Smart Card reader/writer. Through this unique feature, access to the device can be limited to users that have the authorized Smart Card, a password or both. Optional software is available to encrypt files and e-mails and check digital signatures to ensure files haven’t been opened or tampered with. These features are key for customers such as field sales organizations who need to place orders, check inventory and update customer records remotely or field service organizations who reference repair procedures, check spare parts lists and complete reports onsite. The embedded Smart Card feature also makes the Aero 8000 the first low-cost platform for developing Smart Card-enabled enterprise applications for industries such as E-commerce, electronic banking and healthcare.

Unmatched Capabilities Through Software Partners

Compaq partnered with numerous third-party software vendors to provide robust enterprise solutions for the Aero 8000. By utilizing optional software from the River Run Software Group, the Aero 8000 provides full synchronization of e-mail, calendar and contacts on Lotus Notes and Novell GroupWise servers, as well as synchronization of Microsoft Exchange servers provided by Windows CE. Furthermore, numerous additional capabilities are available for the Aero 8000 through software partners, including the following:

— Mobile thin client. The standard Citrix ICA Client software allow users to run full Windows applications across the network.

— Terminal emulation. FutureSoft DCS software enables access to corporate mainframes.

— Sales automation. Sales automation tools from Siebel lets users access pricing, inventory and order entry systems, as well as track and update account histories.

— Wireless WAN and LAN. Wireless capabilities from Proxim and Sierra Wireless let users connect to a server or a remote host without a phone jack. — Non-Microsoft File viewer. Inso’s file viewer lets users view non-Microsoft files on the Aero.

In addition, because the Aero 8000 is based on Windows CE H/PC Professional Edition, customers can use the Aero as a Windows CE development platform. Using Windows-based development tools, customers can develop their own applications for the Aero, port legacy applications to Windows CE or develop CE interfaces to existing corporate databases to provide access to these databases through the Aero 8000.

Superior Handheld Power and Ease of Use

The Aero 8000 offers not only the most secure H/PC Pro device; its performance and ease of use are unmatched in the handheld category. The system is powered by a 64-bit, 128 MHz SH4 processor, up to 64 MB of SDRAM and a 56K V.90 modem(2). And, the 10-inch SVGA (800 x 600) panel with 256-color support is the biggest, clearest screen available on a H/PC Pro device. Furthermore, with a nearly full-size, 18mm key pitch keyboard, a familiar TrackPad pointing device and touch-button voice recording and playback, the Aero 8000 is unrivaled in ease of use. Upgrading the Aero 8000 is easy too. Numerous Compaq and third-party options are available to extend the battery life, memory capacity and external storage (e.g. CompactFlash cards, Iomega Clik! Drive, SuperDisk drive and IBM MicroDrive). Ethernet network cards, airline/auto power adapters and printer adapters are available to enhance the Aero’s capabilities even further.

Exceptional Mobility

The Aero 8000 also delivers exceptional mobility features. With its instant-on and instant-off capability, there’s no waiting for the Aero 8000 to boot up or shut down. And, the Aero 8000 is designed to be durable to withstand the rigors of the road. Returning to the office is easy too, because the Aero 8000 synchronizes automatically with the user’s office PC. For ultimate mobility, wireless communication options are available, such as modems and wireless LAN and WAN solutions.

Pricing, Availability and Service and Support

The Compaq Aero 8000 is available immediately(3) through Compaq’s broad family of authorized resellers. The Compaq Aero 8000 will also be available directly through Compaq DirectPlus at www.directplus.compaq.com or at 1-800-888-5858. It starts at $949(4) for a model featuring 16 MB of memory. For information on the Aero 8000 or other Compaq handheld products, see The Compaq Handheld PC Pro is backed by a one-year worldwide mail-in limited warranty. Additional services are available to enhance the standard limited warranty(5). See for further details.

Company Background

Compaq Computer Corporation, a Fortune Global 100 company, is the second largest computer company in the world and the largest global supplier of computer systems. Compaq develops and markets hardware, software, solutions, and services, including industry-leading enterprise computing solutions, fault-tolerant business-critical solutions, enterprise and network storage solutions, commercial desktop and portable products and consumer PCs. The company is an industry leader in environmentally friendly programs and business practices.

Compaq products are sold and supported in more than 100 countries through a network of authorized Compaq marketing partners. Customer support and information about Compaq and its products are available at .

Compaq, Registered U.S. Patent and Trademark Office. Microsoft is a Registered Trademark of Microsoft Corporation. Product names mentioned herein may be trademarks and/or registered trademarks of their respective companies.

(1) Actual results may vary with individual use.

(2) The K56flex protocol is designed only to allow faster downloads from K56flex compliant digital sources. Maximum achievable download transmission rates currently do not reach 56 KB/s, and will vary with line conditions. Modem supports Windows 95 and Windows NT 4.0.

(3) The Aero 8000 is available immediately in the U.S. and Canada. Availability dates for other countries will vary.

(4) All prices listed herein are estimated U.S. selling prices. Actual reseller prices may vary. (5) Certain restrictions and exclusions apply. Consult the Compaq Product Information Center for details.

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NextCard is Hot

NextCard, creator of the First True Internet Visa, Monday announced it has been named as one of UPSIDE magazine’s prestigious Hot 100 Companies for 1999. NextCard (http://www.nextcard.com), garnered the award in the Online Finance category, is profiled along with other category winners in the magazine’s June 1999 issue and on UPSIDE’s Web site at .

“This year’s Hot 100 is by far one of the best lists we have produced,” said David Bunnell, CEO of Upside Media and editor of UPSIDE magazine. “UPSIDE felt that NextCard has what it takes to be considered among one of the most revolutionary companies around, and we look forward to watching it grow.”

“We are very proud to receive such a prestigious award,” said Jeremy Lent, founder and chief executive officer of NextCard. “Honored by the recognition, NextCard is excited to continue innovating as a public company.”

The 1999 UPSIDE Hot 100 were selected by a team of UPSIDE editors, venture capitalists, financial analysts, market researchers and other industry luminaries who evaluated more than 800 nominations. The UPSIDE Hot 100 Award is judged on a company’s technological achievements, customer acceptance of products or services, financial performance, industry partnerships, financial backing, management savvy and marketing.

NextCard, Inc.

NextCard, Inc., creator of the First True Internet Visa, is considered the industry’s leading issuer of consumer credit on the Internet. Since its launch in December 1997, over 2 million people have applied for the NextCard Internet Visa, making it one of the premier online credit cards. NextCard continues to innovate with its Double Rewards program, GoShopping! tools, original PictureCard design, one-click digital wallet and exceptional online customer service. ()

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Two Standards, One Chip

Gemplus, Monday announced the availability of the two best selling smart card interfaces in a single card. The move significantly broadens the market for multi-application smart cards. The GemCombi/MPCOS card is the first to provide two standard interfaces on a single chip. MPCOS for high security contact cards is the most widely used smart card operating system in banking applications. Mifare for contactless operation is the industry standard for applications where speed and ease of use are important.

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