Super Data

AR-based Acxiom Corp. announced the development of ‘InfoBase Profiler’ via the ‘Acxiom Data Network’. The program is due for release Apr. 1. ‘InfoBase Profiler’,  will be the first and only consumer data product that can take a consumer’s telephone number and/or name and address, and return demographic data. Leveraging the ‘Acxiom Data Network’, ‘InfoBase Profiler’ delivers a comprehensive census and household data profile and profile score in sub-second time. The program provides sub-second and express batch access to demographic data for integration with customer’s marketing and operations-level applications. ‘InfoBase Profiler’ also provides the option of using ‘InfoBase Lifestage Segmentation Codes’ (scores) or using InfoBase data to create or customize segmentation scores.  ‘InfoBase Lifestage Segmentation Codes’ is a segmentation system divided into 42 major life segments that can be further fine-tuned into 252 sub-segments.  Acxiom’s ‘InfoBase’ currently collects data from over 15 million major data sources and provides over 1.5 billion source records.  It contains demographic information on 95% of U.S. households.


BankBoston Debit

BankBoston and First Data Resources signed a five year agreement Friday to provide off-line debit card processing for more than one million BankBoston debit accounts. First Data also provides credit card processing services for BankBoston through an agreement with Partners First Holdings, LLC., a credit card services company formed in January of this year by Bank of Montreal, Harris Bank, BankBoston, and First Annapolis.


Euronet Finalizes ARKSYS Deal

Euronet Services Inc. announced Friday that it has successfully completed its acquisition of ARKSYS for approximately $18.2 million in cash, effective Dec. 2.

ARKSYS, based in Little Rock, Ark., produces computer software for comprehensive electronic payment and transaction delivery systems.     In the transaction, Euronet acquired 100% of the shares of ARKSYS but not the real estate holdings of ARKSYS. ARKSYS had approximately $3.9 million in working capital available for operations at Oct. 31, 1998. ARKSYS has merged with a Euronet subsidiary and will continue to operate as a distinct, wholly owned subsidiary of Euronet.

More information about Euronet’s acquisition of ARKSYS is available in a Euronet news release of Nov. 4, 1998.

Established in 1994, Euronet operates the only independent, non-bank owned ATM network in Central Europe. Through agreements with local banks and international card issuers such as Visa, MasterCard, Europay, American Express and Diners Club International, Euronet’s ATMs are able to process ATM transactions for holders of credit and debit cards issued by or bearing logos of such banks and card issuing organizations.

In addition, Euronet offers outsourced ATM management and card issuance services to local banks with proprietary ATMs.


CardService Goes Wireless

Cardservice International announced Friday that it has begun offering the Wireless Express Payment Service to existing and potential merchant customers.

Beginning in late November after a brief training period, CSI equipped its 2,200 person national sales force to offer these services as a way for merchants requiring faster, mobile, or in some cases less expensive ways of accepting card payments.

CSI is a large independent processor of card, electronic, and Internet payment transactions, and is 50% owned by First Data Corp. The Wireless Express Payment Service(SM)(WEPS(SM)) is a proprietary service provided by U.S. Wireless Data, Inc. (USWD).

To start the sales program, CSI has purchased from USWD 100 POS-500 point-of-sale terminals and 250 WEPS(SM) Enabler devices. The POS-500 is a stand-alone point-of-sale terminal with integrated card reader, printer, and wireless modem. The WEPS Enabler is an add-on device that converts a merchant’s existing POS terminal from using a land line to wireless transmission.

Beginning early next year, CSI will sell a wireless version of its proprietary terminal — the LinkPoint 3000. All of these devices, including the wireless LinkPoint terminal will incorporate the USWD500 CDPD modem, designed specifically for processing payment transactions over wireless networks.

The Wireless Express Payment Service(SM) is a comprehensive and integrated set of equipment, wireless network, and server technology designed to securely deliver and efficiently transmit payment transactions from merchants to payment processors. WEPS(SM) utilizes the USWD500 CDPD modem integrated into a variety of merchant terminal devices.

It includes encryption and online diagnostic techniques. It uses the Cellular Digital Packet Data (CDPD) networks of several carriers. And, it includes a transaction processing server to reformat transactions and simplify the connections between wireless facilities and processors’ existing front-end systems.

From a merchant perspective, the Wireless Express Payment Service(SM) provides faster transaction authorization, averaging three seconds versus the 12 to 15 seconds using dial-up facilities. It eliminates the need and cost of a separate telephone line for the payment terminal. And, like cellular telephones, it provides mobility since there is no need to be connected to a land-based line.

Chuck Burtzloff, chief executive officer and 50% owner of CSI, commented, “We’ve already begun to see results from the selling efforts. Some of our more successful sales agents are discovering they can differentiate their services and compete on terms of value instead of cost. They especially like the fact that once a sale is made, they don’t have to wait for a phone line to be installed to start the service.”

Commenting on the sales rollout, USWD chairman and CEO, Roger Peirce stated, “CSI has a history of innovation in bringing new technologies to the payments business. Getting the entire CSI sales force mobilized behind the Wireless Express Payment Service(SM) is a validation of its value in the market.”

Cardservice International is one of the fastest-growing transaction processing companies in the United States. With 200 sales offices, and in excess of 2,200 sales representatives nationwide, CSI offers a complete range of traditional and Internet consumer payment options. CSI has a rapidly growing customer base of over 110,000 merchants, processing an annual bankcard volume in excess of $6 billion dollars.

U.S. Wireless Data, Inc. is the leader in applying wireless technology to the payments industry. Through the use of its proprietary technology, software, and carrier relationships, USWD enables existing payment processors to provide their customers with the fastest and most cost-effective transaction processing solutions.


Deluxe Online

Deluxe Data International launched a range of new internet banking products Friday. The new products are: Deluxe Internet Financial Management for Home, Deluxe IFM for Business, and Deluxe IFM for Corporate. Deluxe Internet Financial Management for Home allows retail banking customers to access their bank accounts from home, over the internet, via their PC or perhaps soon on digital television. Deluxe Internet Financial Management for Business meets the internet requirements of small to medium sized businesses who require more than basic account information and transaction facilities. Deluxe Internet Financial Management for Corporate addresses the requirements of financial institutions serving a high-value, sophisticated corporate customer base.


Paperless IRS

The Internal Revenue Service last week unveiled a sweeping plan to move its electronic tax programs forward. Among 45 initiatives, the IRS cited two pilots will allow taxpayers to file Form 1040 returns electronically and pay any taxes using a credit card.  Two other pilots will permit the use of a PIN as the taxpayer’s signature, thus eliminating the need to file a paper signature. The IRS envisions the future where taxpayers and authorized tax practitioners will not only be able to file and pay taxes electronically, but also retrieve copies of returns, pay taxes, receive help and inquire on their account status, all electronically and from the privacy of their homes or businesses. By the year 2007, IRS wants to do business electronically with 80% of  U.S. taxpayers and for taxable years beginning after 2001, IRS wants all returns that are prepared electronically to be filed electronically.


Gemplus CTST West

Gemplus Friday announced that the company will be demonstrating a variety of smart card software solutions at CardTech/SecurTech West (CTST West) at the San Jose Convention Center, in San Jose, Ca., December 8-9, 1998.

Gemplus software to be demonstrate at the show includes:


In the highly competitive retail world, smart card solutions provide a way for businesses to increase their revenues and profits, differentiate themselves from the competition, and maximize their marketing expenditures.

This demonstration will show how to set up smart card-based loyalty clubs and programs; how to develop rules for them; and will simulate a point-of-sale transaction that awards loyalty points to a customer, transfers that information to a database, and then generates all needed reports.

Network Security

GemSAFE is Gemplus’ smart card-based solution for securing network services. It is designed for companies seeking to secure Internet-based services or corporate intranets and extranets, and for individuals who want to protect the digital exchange of information. It offers the highest level of transaction security by storing a user’s digital identity on a smart card.

At CTST West, attendees will learn how the GemSAFE smart card can be used with the Microsoft Windows NT-based public key infrastructure (PKI). Specific technologies demonstrated will include Web authentication, using the Microsoft Internet Explorer browser and the Microsoft Internet Information Server, secure email with Outlook and Exchange, Kerberos smart card logon, virtual private networking through the point-to-point tunneling protocol, and an encrypted file system.

Developer Tools

GemXpresso RAD(TM) (Rapid Applet Development) is a smart card development platform based on Java Card 2.0 and 32-bit RISC processing. GemXpresso RAD enables developers to quickly bring smart card-based electronic commerce, transportation, banking and other applications to market.

This demonstration will show the rapid development of smart card-based applications using the Java(TM) Card 2.0 API and a 32-bit RISC processor.

About Gemplus

Gemplus(R) () is the world’s leading provider of conventional and smart card-based solutions. Gemplus sells magnetic stripe cards, memory and microprocessor-based smart cards, smart contactless cards, electronic tags and smart objects. The company designs and markets software, development tools and readers. Gemplus also provides consulting, training and personalization services to deliver the industry’s most comprehensive and flexible card-based solutions to its developers, distributors, partners, and customers.



In a joint announcement, two of the world’s largest and most respected data providers, Experian and The Polk Company, said they have joined with MySoftware Company, help launch the first e-prospecting service to provide small and medium-sized businesses with up to 125 million qualified new customer leads. targets the estimated $1.1 billion e-prospecting market by offering users affordable, real-time, targeted contact lists.  Beginning today, the service is available on the Internet at .

Experian will provide 13 million business listings and Polk will provide 112 million household listings to form the backbone of Experian and Polk have also agreed to recommend a private label version of MySoftware’s Internet solution to their corporate accounts and to work with MySoftware in future business development partnerships and joint ventures.

“ offers an e-commerce solution that makes great business sense,” said Gregory Slayton, president and CEO of MySoftware Company.  “With an Internet delivery model and the highest quality data providers in the world, makes it easy for small and medium-sized businesses to solve their number one problem: finding new customers.  Users can easily select the demographic and geographic criteria that match their target customer base, select the quantities they want, and obtain the data immediately.  And since the site offers a number of value added services and consulting advice, we expect to build an online relationship with each customer.  It’s a low cost, low labor, low overhead and highly personalized service.”

“Until now, the economics and logistics of servicing small-scale orders have made it difficult for large data providers like Polk to meet the needs of small businesses,” said John Healy, Senior Vice President of Direct Marketing for Polk.  “MySoftware Company has developed a smart solution to this challenge by enabling users to access and purchase data provided from Polk’s extensive database of 112 million household listings.”

“The architecture of the site is extremely powerful,” said Alan Rudi, Senior Vice President of Marketing for Experian.  “ lets users drill through Experian’s tremendously rich and complex business data with great ease.  A simple selection process takes them from a universe of every business in the country to precisely the geographic, industry and business profile they need.”

MySoftware Company will make the service available through [][1] as well as other affiliated Web sites hosted by corporate partners.  “This is the first Web-based service  in what we believe is a huge data-on-demand market,” said Mr. Slayton.  “Our intent is to be a significant player in that market.”

Business data provided by Experian is searchable by geographic region, Standard Industrial Classification (SIC) codes, or by keywords. Users can also choose business listings based on sales volume, number of employees, business type, and number of years in business.

Consumer data provided by Polk is searchable by a set of 26 pre-defined niches — grouped according to age, income, lifestyle interests and purchasing habits — or by a customized profile including income, age, credit card use and length and type of home-ownership.

Pricing for basic business and consumer addresses starts at 20 cents a name for as few as 100 names, and goes as low as 13 cents a name with volume discounts.  More detailed selections can be made at additional cost.

The business and consumer data available on include the most accurate, up-to-date listings, ensuring customers receive the highest quality information each time they use the service.  Experian and Polk update their data records on a quarterly basis, running them through National Change of Address (NCOA) verification, Coding Accuracy Support System (CASS) certification, as well as internal consistency checks.  Experian conducts almost one million verification calls each month, while Polk compiles data from over 1.8 billion unduplicated source records.

To ensure that customers are successful with, a telephone consulting service is available through a toll free number, 1-800-683-6208 for a fee of one dollar per minute.  The consultants will answer questions and provide advice concerning direct marketing strategies and techniques.

About Experian

Experian — a global information solutions company headquartered in Orange, Calif., and Nottingham, UK — is a leading supplier of consumer and business credit information, credit scoring and software solutions, and direct marketing services.  Including recent acquisitions Metromail Corp. (April 1998) and Direct Marketing Technology, Inc. (April 1997), Experian employs nearly 11,000 worldwide with 7,500 employees in the United States.  Annual sales are about $1.5 billion.  Experian is a subsidiary of the Great Universal Stores P.L.C., a UK-based holding company that includes home shopping, retail, property investment, finance and information services businesses.

About Polk

Polk provides multi-dimensional intelligence information solutions to companies as a statistician for the motor vehicle industry; as a direct- marketing resource; as a supplier of demographic and lifestyle data and database-marketing services; as a publisher of city directories; and as a data enabler for geographic information systems.  Based in Southfield, Mich., Polk is a privately held firm that is expanding globally and is currently operating in: the United States, Canada, England, France, Germany, Australia, Spain, Holland and Costa Rica.

About MySoftware Company

MySoftware Company is the world’s leading provider of productivity software for small business professionals. MySoftware provides powerful software and Internet solutions that can turn any PC into a direct marketing powerhouse. Complementing its retail software products are MySoftware’s Internet services, dedicated to helping small offices find new customers ([][2]) and grow their businesses ([][3]). MySoftware actively partners with some of the world’s best-known companies to provide productivity solutions for their small business, home office customers. More information on MySoftware and its partners and products is available at [][4].



G&D Reorganizes

Giesecke & Devrient announced Friday from Munich that the firm’s North American holdings would be reorganized, effective Jan.1, in an effort to streamline research and development efforts. In announcing the reorganization, the company acknowledged that developments in the North American chipcard market had progressed more slowly than G&D had hoped. While the company supplied more than one million ‘VISA Cash’ stored value cards for the 1996 Atlanta Olympics, was the leading supplier of stored valued cards for Citibank in the Upper Manhattan smart card rollout involving Chase Manhattan, VISA and MasterCard, and was a major participant in Mondex and ‘VISA Cash’ stored value pilots in Canada, G&D says consumers have been slow to adapt to the new payments technologies. Since the migration from mag-stripe to smart cards has been so slow G&D plans to give greater emphasis to sales of conventional magnetic stripe cards and applications in North America while concentrating the bulk of the firm’s smart card development program in Germany. G&D says it is moving forward with plans for a manufacturing center in Bristol, PA and has implemented a strategic plan to strengthen research operations at its Bedford, MA facility.


VISA Humanitarian Athletes

Allen Johnson, an Olympic gold medalist in the hurdles, and Joetta Clark, a half-miler ranked among the top-ten Americans for 18 years, have been chosen as the Visa Humanitarian Athletes of the Year.

In an effort to emphasize the achievements athletes make on and off the field, Visa U.S.A. has partnered with USA Track & Field to bestow this honor on Johnson and Clark.  The award will be presented to the two athletes by Jennifer Hemmer, director, Event and Sponsorship Marketing, Visa U.S.A., at the Jesse Owen’s Banquet highlighting USA Track & Field’s Annual Meeting in Orlando.  In addition to an award for Johnson and Clark, Visa will make donations in their names to the Children’s Tournament of Champions in Freehold, New Jersey (Clark) and the new track at Lake Braddock High School in Burke, Virginia (Johnson).

Clark has been a longtime supporter of the Children’s Tournament of Champions, a non-profit organization that provides programs of physical fitness, sports training and athletic competition for learning disabled and physically challenged youngsters.

“It is an honor to receive this award.  It sets a standard to all athletes to try and give back to others,” said Clark.  “Seeing the children’s struggle to excel in these sporting activities gives me motivation and passion to strive to be my best in my sport.”

Johnson, a graduate of Lake Braddock High School, has undertaken the task of raising funds to rebuild the school’s track due to deterioration.  Working with the school’s track coach, Bob Bigby, the two have raised over $56,000 and Visa’s donation will help secure the completion of the new track.  “I believe strongly in my responsibilities to my community,” said Johnson. “It is an honor to receive this award and I am happy that my alma mater will be the beneficiary.”

“Joetta and Allen have used their status as outstanding track stars to bring awareness to two very important causes and we respect their effort to help others,” said Hemmer.  “Watching them focus their determination to help make a difference for these causes in the same way they focus on their sport is refreshing.  We want to acknowledge and create additional awareness of their causes by presenting them with this distinguished award.”

Clark, 36, is one of America’s most experienced half-milers.  She has competed in every outdoor USA Championship or Olympic Trials since 1979 — 18 straight, winning five of the last eight.  She was a nine-time NCAA champion at the University of Tennessee, and she collected 16 All-American titles.  Indoors, she has competed at the national championships in 18 of the last 19 years.  Clark has ranked among the top 10 Americans for 18 years.

Johnson, 27, started his track and field career as a decathlete, but due to injuries he focused his talents on the hurdles.  He started making an impact in 1992 when he won the National Collegiate Athletic Association (NCAA) Championship.  He continued to improve and went on to win the gold medal at the 1995 World Outdoor Championships in Gothenburg, Sweden, and at the Atlanta Olympic Games.

“Allen and Joetta represent the highest values and standards of athletes around the world.  Their involvement in their communities and their sport have long been recognized by their peers as models to follow,” said Craig Masback, CEO of USA Track & Field.  “The award they are receiving from Visa formally recognizes their formidable athletic and civic accomplishment.  USA Track & Field is grateful to Visa U.S.A. for making this award possible.”

Visa U.S.A. is one of USA Track & Field’s longest-standing partners. Since 1986, the company has been providing support through educational, training and sports-science programs, coaching, travel, event sponsorships and advertising.

In an ongoing effort to support U.S. Olympic athletes, Visa is proud to continue the Visa Pull for the Team program in which every time a Visa cardholder makes a purchase with Visa card, a donation is made to the U.S. Olympic team to support its athletes.*  To date, Visa has committed more than $7 million since the program’s inception in 1986.

This award helps strengthen Visa’s involvement with the Olympic Movement that already includes partnerships with the International Olympic Committee, USOC, Sydney 2000 Games, and National Governing Bodies such as USA Hockey, U.S. Figure Skating Association, US Ski and Snowboarding Association, USA Gymnastics and USA Cycling.  Visa’s current event marketing portfolio also includes the National Football League, the Visa Triple Crown Challenge, and as of Jan. 1, 1999, NASCAR.

As the World’s Best Way to Pay, Visa is the leading payment brand and the largest consumer payment system worldwide with more volume than all other major payment cards combined.  Visa plays a pivotal role in advancing new payment products and technologies to benefit its 21,000 member financial institutions and their cardholders.  Visa has more than 70 smart card programs in 33 countries and on the Internet, with 23 million Visa chip cards, including over 8 million Visa Cash cards.  Visa is pioneering SET Secure Electronic Transaction(TM) programs to enable and advance Internet commerce. There are more than 620 million Visa-branded cards, which generate over US$1.2 trillion in annual volume.  Visa is accepted at more than 15 million worldwide locations, including at over 450,000 ATMs in the Visa Global ATM Network.  Visa’s Internet address is .

* Visa has guaranteed a minimum donation of $2.5 million to the USOC based on Visa card transactions by U.S. cardholders through September 30, 2000. Void where prohibited or restricted.


International RoundUp

RAM Research Group reports that India’s first smart card-based cash system will be launched tomorrow in Mumbai. The e-cash system will be the first to follow the ‘SMARS’ (Smart Rupees) e-cash standards. Others firms connected with ‘SMARS’ include the Reserve Bank of India, Gemplus, HCL Deluxe, and Canara Bank. — Bank of America has reportedly approached Barclays Bank with an offer to buy its Barclaycard business, which is valued at approx. pounds 3.8bn. Barclaycard is encountering slow attrition in the market place as new entrants from the U.S. such as MBNA and Capital One have moved aggressively into the U.K. market. Barclays announced earlier this year that it was cutting 1,100 positions out of a total employment of 4,400. — The Standard Chartered Bank of Malaysia is set to launch the first picture credit card in Malaysia, the ‘Lifestyle VISA’ card in conjunction with AKTIF Lifestyle Stores. The bank will permit applicants to select any picture they want to be printed on th e card. — More than 113 Japanese financial  institutions will link their ATM networks to ATMs operated by Japan’s postal savings system on Jan. 18.  As of this morning, 829 private financial institutions had filed applications with the Japanese ministry to link their ATM operations with those of the postal savings system.


IDRC Makes Inc. 500

IDRC (International Data Response Corporation), a world-class provider of outsourced teleservices and customer service, was recently inducted into the Inc. 500 Hall of Fame, acknowledging its fifth appearance on the Inc. 500 list of America’s fastest growing companies.

In its special Inc. 500 issue released in mid-October, Inc. magazine published its annual list of America’s fastest growing, private companies.  This special issue features firms and CEOs who are changing the face of American business and whose rapid five-year growth places them in an elite group of small and mid-sized business owners.  In November, Inc. 500 released the Inc. 500 Hall of Fame list, which includes companies that have appeared on the Inc. 500 five or more times.  Only 50 companies have received this distinction since the list’s launch in 1982.

IDRC’s ranking of #219 on the 1998 Inc. 500 list marks the fifth time that IDRC has appeared on the list.  As a result, IDRC was one of four companies to be inducted into the Inc. 500 Hall of Fame in 1998.

According to Inc. Magazine, “…to make the Inc. 500 even once is a great feat  it means that a company has grown its sales by astonishing amounts over five years…but to make the list five times?  That means that the company has exploded its growth not just over a five-year period, but over a full decade”

Companies on the 1998 list generated a combined total of more than $12 billion in sales.  To be eligible for the Inc. 500, companies had to be independent and privately owned through 1998, reflecting a sales increase from fiscal year 1996 to 1997.  Rankings are based on percentage growth of revenue over a five-year period and all revenue information is confirmed using tax forms and financial statements from certified public accountants.  For more information IDRC and ProMark One’s rankings on the Inc. 500 list, you may visit [][1].

One of the world’s leading telemarketing and customer service outsourcing firms, IDRC specializes in providing inbound and outbound telephone and Internet based solutions that target businesses and consumers in a variety of industries, including telecommunications, financial services, and insurance, among others.  Employing customized, state of the art computer and telephone based technologies in its operations; IDRC’s mission is to create value for our clients and opportunity for our people by providing customized call center solutions based on advanced telephony and Internet communications.  IDRC currently employs close to 6,100 professionals, operates more than 3,500 workstations, and has 23 locations throughout the United States and Canada.

The IDRC family of companies includes wholly owned subsidiaries ProMark One (Scottsdale, AZ) and S&P Data Corp. (Toronto, ON).  IDRC ranked #168 on last year’s list.   Previous Inc. 500 rankings were earned under the company name ProMark One.  ProMark One was ranked #228 in 1996, #299 in 1995 and #166 in 1994.

IDRC’s corporate office is located at 6041 La Flecha, Suite B, Rancho Santa Fe, Calif. 92067.  For more information about IDRC or its operating companies, contact Dawn Wahler, Marketing Manager, at 800-933-0233.