Intellicall Inks Ghana Deal

Intellicall, Inc. announced that Western Wireless International has ordered and taken delivery of an N-Genius intelligent network platform switching system and 200 card operated payphones to be installed in Ghana. The order, in excess of $600,000, is the first from Western Wireless. Western Wireless International leads a consortium which successfully bid on the Second Network Operator’s (SNO) license during 1997. The consortium includes the Ghana National Petroleum Company, located in Tema, Ghana, and ACG, Inc., a Cambridge, Mass.-based company which provides paging and payphone services in Tanzania. Intellicall’s N-Genius can process prepaid calls from “smart” chip cards, magnetic stripe cards and debit cards. Intellicall’s equipment will connect directly into the remainder of the SNO’s Ghanaian wireless and wireline network and provide prepaid billing services.

The initial order is a reflection of the demand in Ghana for telecommunications products. A recent report on telecommunications in Ghana stated there were only 35 payphones servicing the entire country, 32 of which were located in the capital city of Accra.

“We look forward to a long and successful relationship with Western Wireless,” said John J. McDonald, Jr., president and chief operating officer of Intellicall. “Their involvement in the Ghanaian market guarantees this will be a successful partnership. As the report states, payphones in Ghana are scarce — as a result of our agreement with Western Wireless, the people of Ghana will have access to telecommunications as never before. We look forward to being part of this success story.”

“We are extremely pleased to be in partnership with Intellicall. It is one of the leaders in the public access telecommunications industry, and has extensive experience in the African market,” said Brad Horwitz, Western Wireless International president and chairman of the SNO. “The Ghanaian market offers vast opportunity upon which we are prepared to capitalize. It is our plan to introduce telecommunications products and services using the latest wireless technology throughout the country.”

Intellicall is a leading provider of advanced public access communications systems, including intelligent payphones, prepaid and call processing systems, and network control and business management systems. Intellicall’s common stock is traded on the New York Stock Exchange under the symbol “ICL” and is listed in alphabetical quotations as “Intellicall” or “Intel Cal.”

Western Wireless International, a subsidiary of Western Wireless Corp., was formed in 1995 to acquire interests in wireless licenses, form operating companies and pursue other telecommunications investments outside the United States. The company’s principal objective is to become a leading provider of wireless communications services in selected emerging markets. Based in Issaquah, Wash., Western Wireless Corp. is a leading provider of wireless communication services in the western United States.


ATG  EDS  Deal

Art Technology Group (ATG), the innovator of Relationship Commerce solutions for leadership companies doing business online, announced Tuesday a business agreement with global information services leader EDS. Under this agreement, c2o, EDS’ online business consulting and technology service unit, will team with ATG to deliver online relationship marketing and commerce solutions using ATG’s Dynamo Relationship Commerce product suite.

This global agreement establishes rights for c2o to host, develop on and distribute ATG’s Dynamo Relationship Commerce Internet platform and suite, dramatically expanding Dynamo’s market presence.

“The great thing about working with ATG is that they understand that direct marketing and online commerce are not about forcing users to fill out lengthy questionnaires about their behaviors, likes and dislikes,” said Butch Winters, president of c2o. “When you put c2o and ATG in front of a customer, we present a comprehensive Web business solution that takes into account a company’s revenue and earnings requirements, its technology and systems integration needs, and the user’s preferred Web experience. That’s a pretty powerful Web business model.”

c2o will employ ATG’s high-reliability Web platform — Dynamo Application Server, Dynamo Ad Station and Dynamo Profile Station to support its WebVault hosting offering, and to enhance business strategy planning and operations with more sophisticated online behavior tracking, user profiling, real-time traffic and usage analysis. Using Dynamo Retail Station, ATG’s online storefront solution, c2o will build commerce-based Web applications and integrate these applications with a company’s existing legacy infrastructure.

“EDS understands the importance of choosing the right technology to enable its customers to deploy highly scalable and flexible e-commerce sites,” said Jeet Singh, president and CEO, Art Technology Group. “The future of profitable e-commerce lies in applying dynamic personalization to build a successful customer channel on the Internet. That is why it’s particularly gratifying that EDS is dedicating organizational resources to building a Relationship Commerce practice around our Dynamo product suite.”

Jeffrey E. Anderholm, vice president of marketing for ATG, added, “We are very happy to see partners like EDS help us extend our relationships with leadership companies. As Fortune 500 companies are increasingly making enterprise-wide decisions to use Dynamo for their Web applications, partners such as EDS are critical in providing the range of services and technologies needed to meet their needs.”

Dynamo Relationship Commerce Suite

The Dynamo family of Relationship Commerce products offers a tightly integrated suite of Java-based products to meet the scalable and performance requirements of large-scale e-commerce initiatives. The Dynamo product suite includes a high-reliability Web application server and tightly integrated e-commerce capabilities for site development, personalization, selling, and advertising management. The Dynamo suite is the first solution designed specifically to tackle the management of online relationships by applying personalization to each and every user experience.

About Art Technology Group

Art Technology Group is the leading developer of Internet products and services that enable major corporations to do business online. Recognized as one of the industry’s most experienced and knowledgeable online development firms, ATG delivers applications that apply personalization to electronic commerce to create more efficient and profitable customer interactions — the core of Relationship Commerce. ATG’s Internet commerce solutions enable organizations to extend their core businesses, whether in consumer or business-to-business commerce, financial services, publishing, or entertainment quickly, easily and successfully into the online environment. ATG customers include Sony Online Entertainment, Eastman Kodak, BMG Music Service, Herman Miller and Harvard Business School, among others.

About EDS

EDS’ c2o Interactive Architects business unit is the leading provider of online business consulting and Internet technology services. c2o, with offices in Dallas, Detroit and the San Francisco Bay area, can be visited at .

EDS, the official information technology services provider for World Cup 1998, is a leader in the global information services industry. The company’s approximately 110,000 employees specialize in applying a range of ideas and technologies to help business and government customers improve their economic, products, services and relationships. EDS, which serves customers in 44 countries, reported revenues of $15.2 billion in 1997. The company’s stock is traded on the New York Stock Exchange and the London Stock Exchange. EDS can be visited via the Internet at .


nFront Hits 42

nFront, Inc., the leading provider of full-service Internet banking for community banks and winner of Microsoft’s Best Internet Banking Solution Award, announced Tuesday it has licensed its solution to 42 community-focused banks since the beginning of the year. As a result, the company has quadrupled its client base in the first half of 1998 to bring the total number of financial institutions using the nFront solution to 56. nFront client banks currently range between $7 million and $4.4 billion in assets and are located in 27 states across the country.

Links to nFront’s Internet bank clients can be found at .

In order to serve financial institutions throughout the country, nFront has ported its Internet banking solution to 18 bank core data processors, including nFront strategic partners The BISYS Group, Inc., Little Falls, NJ; Data Center Inc. (DCI), Hutchinson, KS; First Commerce Technologies (FCT), Lincoln, NE; Modern Computer Systems, Inc. (MCS), Burnsville, MN; and SPARAK Financial Services, Inc., Fargo, ND. Together, nFront’s nine reseller partners market nHome to more than 3,500 financial institutions across the nation.

Internet solutions like nFront’s can offer community banks a competitively priced, total software and assistance package that makes it easy to go live on the Internet, said Stan Quay, a partner with Grant Thornton’s Cincinnati office and a member of the firm’s National Financial Services Committee.

“Superior, proven technology is only half of the solution,” said nFront’s Chairman and CEO Tripp Rackley. “At nFront, we believe that providing our client banks with the highest level of service is imperative. In addition to supporting their day-to-day Internet banking operations, nFront is constantly monitoring changes within the Internet and electronic commerce industries in order to protect their interests and provide them with the most advanced solutions available in the marketplace.”


nHome, nFront’s Microsoft NT-based Internet banking application, enables banking customers to open new accounts, apply for loans, view account balances and histories, pay bills, transfer funds, download images of cleared checks, customize reports, and download active statements into personal financial management packages at anytime from any location using any browser-enabled device such as personal computers and televisions. From the bank’s perspective, nHome allows the bank to expand its reach to a broader market, primarily composed of the most profitable banking customers, while taking advantage of the least expensive delivery channel available today. Because customers are afforded greater access to and control over their account information, the bank’s customer service overhead can ultimately be reduced. And, through the collection of data captured online, the bank can target specific customers for more efficient and effective cross-selling and marketing campaigns.


Founded in 1996, nFront, Inc. () is a leading provider of full-service Internet banking solutions for community banks. Based in Athens, GA, nFront provides a turnkey solution offering development and implementation services, web site design, maintenance and hosting, customer service training and support and marketing consulting.


Ameritech Goes Wireless

U.S. Wireless Data announced yesterday it has entered into a major joint marketing and operating agreement with Ameritech to distribute U.S. Wireless Data’s proprietary wireless transaction processing products which will utilize Ameritech’s cellular digital packet data network, including the ‘TRANZ Enabler’ wireless credit card processing system. This marks the third substantial joint marketing agreement announced by U.S. Wireless Data over the past ten months. The company previously announced similar marketing agreements to distribute its proprietary wireless transaction processing solutions with GTE Wireless and Bell Atlantic Mobile.


Expanded I-Processing

CyberSource Corp. and First Data Merchant Services announced an agreement Tuesday under which FDMS will make available CyberSource’s electronic commerce services to its bank alliances and client banks for immediate marketing to merchants on the Internet. Going beyond simply enabling online payment processing, the new agreement provides FDMS bank alliances and client banks the ability to offer their merchants an end-to-end suite of turnkey Internet payment solutions — including enhanced protection from fraud and export risks, third party fulfillment notification, sales tax calculation and more.  FDMS will offer the CyberSource enabled electronic commerce services in two packages: ‘CommerceFLEX’ and a ‘CommerceEZ’ bundle. ‘CommerceFLEX’ provides merchants access to risk management services, an automated credit card fraud screening service, export control service, FDMS payment processing, sales and VAT calculation, fulfillment house messaging, and digital product preparation, warehousing and secure delivery. ‘CommerceEZ’ eliminates the need for programming or a secure server by using CyberSource to securely host a merchant’s order pages.


Cap One – Europe

Capital One Financial Corporation announced Monday that Dominic Allen has joined the Company as Director of International Business Development.  In this capacity, Mr. Allen will be responsible for actively exploring and developing new lending business opportunities for Capital One, and its affiliated companies, in continental Europe, and ultimately other markets.  Mr. Allen will report to Alan Wolfson, Capital One’s Managing Director, International.

“We are exporting our Information-Based Strategy worldwide.  Many countries are prime opportunities for Capital One,” said Nigel Morris, Capital One’s President and Chief Operating Officer. “More than 13 million customers in the United States, United Kingdom and Canada already benefit from our mass- customized, competitively priced products.  By joining Alan and our International team, Dominic will enable us to introduce Capital One and our quality products and services to a wider global audience.”

Mr. Allen joins Capital One after managing Trans National’s French, German and UK operations for seven years.  Previously, Mr. Allen consulted for Bain & Company in Paris, as well as managed numerous multinational projects for Schlumberger Oil Well Services and a French construction company.  He is a graduate of Balliol College, Oxford University in Engineering and Economics and was awarded his MBA with distinction from Insead.

Headquartered in Falls Church, Virginia, Capital One Financial Corporation () is a financial services company with more than 7,000 associates worldwide, whose principal subsidiaries, Capital One Bank and Capital One, F.S.B., offer consumer lending products.  Capital One subsidiaries are among the largest providers of MasterCard and Visa credit cards in the world.


Bull Forms XIRING

Bull announced yesterday that it has created a new U.S. company — XIRING — as a parity-owned joint subsidiary with InfoRealite Group, Strasbourg, France. XIRING has been formed to design, develop and market innovative, low-cost and user-friendly smart card-related products for broad worldwide markets. The new company, based in France, also has bought the corresponding assets of the OKI Advanced Products division of the Japanese company OKI. XIRING leverages the complementary strengths of Bull’s smart card technology and InfoRealite’s expertise in telecommunications. Initially focusing on pocket-sized personal smart card readers, XIRING, with the addition of assets and products made by OKI, claims the top spot in the worldwide pocket reader market for electronic purse applications, with more than three million readers in use. XIRING’s products facilitate and develop the use of smart cards by providing a variety of functions:

–Read and display information contained in various types of cards, ranging from telephone cards and electronic purses, to health care cards and loyalty cards

–Load money onto electronic purse cards using innovative communication technologies

–New smart card-based applications using various communications methods, such as telephone lines, hertzian broadcasting, television and radio, and

–Euro conversion, a basic function on the XIRING products.

“Fueled by the growing acceptance of smart card applications, XIRING will capitalize on the consumer market for personal card readers, forecasted to generate revenue of more than $300 million by 2003,”said David Levy, general manager of Bull’s Smart Cards & Terminals Division. “The number of electronic purse smart cards will multiply ten-fold by 2003, surpassing over 500 millions units worldwide. Portable file applications, such as health, driver license and loyalty, will have generated at this time an equivalent number of cards. Mass transit, lotteries, and security applications will also increase this number.

“InfoRealite Group offers technologies that are complementary to those of Bull, especially in the field of telecommunications,” Levy said. “Furthermore, we are interested in the consumer products developed by InfoRealite such as `Tags,’ which are marking products that use contactless technology.”

Michel Schott, president of the InfoRealite Group, said, “By combining new consumer-oriented communications and smart card technologies, XIRING opens up an extraordinary range of new applications that are practical and attractive to consumers. By combining the expertise of both principal companies, XIRING achieves a market position that gives it a competitive edge and added value for customers.”

XIRING will continue the product lines already marketed by Bull’s Smart Cards & Terminals Division. These include the pocket readers such as the VisaCash electronic purse used at the Atlanta Olympics in 1996; more than one million units of this kind of product have already been sold. XIRING also will offer hand-held calculator-type devices that allow health professionals to obtain information contained on the Vitale 1 French health card. InfoRealite’s technologies will provide communications features for XIRING products, such as electronic purse reloading devices based on acoustic coupler techniques or electronic coupon devices using RDS radio wave receptors.

“It was only logical that we bring together, in a separate company, all of these products, which are in complete synergy with Bull’s cards and terminals products and InfoRealite’s communication division, but which are another line of business,” Levy and Schott said. “Separately from XIRING, however, Bull’s line payment terminals and professional readers and the communication devices division in InfoRealite will continue to experience exceptional growth in their current organizations.”

Already, XIRING has gained the support of leading international payment operators. “The development and evolution of payment facilities, such as the advent of electronic commerce, the development of electronic purses, and multi-application payment systems, generates a need for consumers to be equipped with personalized readers,” said Bernard Morvant, vice president of Visa International.

“The support provided to bankers and operators by strong and competent industrial partners dedicated to this business will be a key factor in the success of these new payment facilities,” Morvant said.

According to George Liberman, who is managing the creation of the newly-formed company, XIRING has several key assets. “Markets involving smart cards are in the process of opening up everywhere in the world, not only for payment facilities, but also for transportation, healthcare, loyalty and games,” he said. “The associated companies have decisive qualities, in terms of both mastered technologies and the strength of their respective businesses.

“In addition,” Liberman said, “XIRING reaps the immediate benefits of an existing base of roughly 80 large clients, including banks, payment operators and distributors, who have already made more than three million XIRING products available to consumers in 18 countries. These key assets will contribute to the success of XIRING, whose ambition is to develop and consolidate its worldwide leadership in this market.

About Bull Smart Cards & Terminals

Bull designs and markets a wide range of contact and contactless microprocessor cards, payment terminals and automatic points of contact including cash dispensers and multimedia kiosk POS terminals. In 1997, these activities generated revenue of $237 million, an increase of 32 percent over 1996. The history of smart cards at Bull goes back to 1979 when Bull’s Michel Ugon, in collaboration with Motorola, invented the world’s first microprocessor card (CP8 technology). Today, all of the world’s roughly 210 million microprocessor cards use Bull CP8 technology, either for the micro-electronic part (SPOM – Self-Programmable One chip Memory) patent or for Bull operating systems. Bull is world leader in the electronic purse segment with more than 27 million cards in use in ten countries. Approximately 60 percent of bank cards used in the world today have been designed by Bull. In addition, Bull is a leader in electronic payment terminals, with 650,000 machines installed worldwide. More information on Bull Smart Cards & Terminals can be found at [][1], on Groupe Bull’s Web site, , and at the company’s U.S. Web site, .

About InfoRealite

InfoRealite is a high-tech industrial group based in Vendenheim, near Strasbourg, France. The company designs, manufactures and markets innovative products mainly in the field of telecommunication. The know-how of its 360 people covers all the activities of research and development, manufacturing, project management and marketing of a high technological value-added range of products. InfoRealite’s main technologies and product lines in the field of communication include:

— Paging terminals using FM sub-carrier (RDS)

— Digital modems (ISDN)

— 433 MHz radio communication modules (meter-reading, remote control, etc.)

— Electronic shelf labels (radio-transmission)

— Contactless identification devices (DSC)

Sales in 1997 for the InfoRealite Group were 301 million FF, an increase of 50 percent compared to 1996 results. InfoRealite is listed at the Paris stock exchange. More information is available at .



First Omaha Offers Talento

First of Omaha Merchant Processing became the first U.S. acquiring bank yesterday to offer the Dassault ‘Talento’ processing terminal. The Dassault ‘Talento’ processing terminal provides state-of-the-art technology in a fully integrated terminal, enabling merchants to complete multiple types of transactions with one unit. ‘Talento’s’ smart card capabilities and memory expansion to 4.5MB will enable merchants to build value added applications. ‘Talento’ offers four models to choose from.  Each model comes as an all-in-one compact EFT POS terminal that includes a fast thermal printer, large 88 character back-lit display, bi-directional magnetic stripe reader, and optional smart card reader.  Models range from a credit only version, to a version that provides an integrated or external PIN pad for debit and EBT applications.  Other versions offer a smart card reader and optional integrated PIN pad.  Talento’s biggest feature is its simple lead-through and ability to handle several tasks simultaneously, thus reducing the overall transaction time to a few seconds, resulting in quicker customer transactions. Dassault AT has 700,000 terminals installed worldwide making it the fourth largest installed base of EFT POS terminals in the world.



To help small business owners avoid these kinds of credit card fraud losses, Internet ScamBusters, the premier publication on Internet fraud, has published an article called “Eight Sure-Fire Strategies Any Business Owner Can Use to Reduce Credit Card Fraud.” It is available free by sending an email to [][1].



AXI Takes Off

American Express has scheduled a news briefing this morning at its world headquarters to review the success of its online corporate travel reservation system, ‘AXI’. The interactive channel features a quick implementation time and the ability to customize the system to an individual company’s network and culture. The number of companies using ‘AXI’ has grown from ten to 100 in only six months. And the number continues to grow, with up to 300 companies expected to be on board by the end of 1998. By creating a whole suite of travel management tools, including automated expense reporting and electronic ticketing that work seamlessly with ‘AXI’, American Express expects that 30% of its corporate travel business will be conducted over AXI(SM) by year 2000.


Entegrity to Use ValiCert

Entegrity Solutions Corporation, the leading provider of rapidly deployed Public Key Infrastructure-based  security solutions into the enterprise, announced yesterday that its Security Development Platform (SDP) and Notary Certificate Authority will incorporate cutting-edge technology from ValiCert, Inc. to manage the validation of digital certificates.

Entegrity Solutions’ SDP, a standards-based platform for creating security-enhanced applications, is designed to incorporate best-of-breed technologies from multiple vendors as they become available. By embracing industry standards and pursuing cross-certification with other vendors, Entegrity is able to offer the most open security architected platform on the market today.

“ValiCert recognizes the value and convenience of Entegrity’s SDP,” said Sathvik Krishnamurthy, Vice President of Marketing at ValiCert. “Enterprises, system integrators and application developers now writing to the Entegrity platform can easily SDP-enable digital certificate validation technology into their products.”

“With the integration of the ValiCert Universal Toolkit, we have further expanded the power of the platform for our customers. They will now have an easy way to rapidly add validation services to their security-enhanced applications,” said John Weinschenk, Vice President of Worldwide Marketing at Entegrity. “The ValiCert Global Service is an added bonus for our large multinational customers with worldwide applications spanning organizational and global boundaries. They will now have a central location to validate their digital certificates.”

By integrating ValiCert technology with Entegrity’s SDP, revocation data from a certificate system will be sent to a ValiCert validation engine — either the ValiCert Enterprise Server (for validating intranet transactions) or the ValiCert Global Service (for validating extranet/Internet transactions).

Entegrity users will also be able to take advantage of ValiCert’s Global Service field trial that involves more than a dozen Certificate Authorities and leading electronic commerce vendors. Through the ValiCert Global Service, enterprises can check the validity of digital certificates across company boundaries and around the world.

In addition, Entegrity customers will have access to other ValiCert products, including:

*  The ValiCert Universal Toolkit’ that provides developers with comprehensive off-the-shelf software components for easily building Internet/intranet applications that validate digital certificates using an array of established validation mechanisms.

*  The ValiCert Enterprise Server for creating and issuing verifications for digital certificates within an intranet environment, and which provides a link between an intranet and ValiCert’s service. The server works with any certificate issuance system to enable high performance, interoperable certificate validity confirmation.

Digital Certificate Validation

Digital certificates are being used increasingly as electronic credentials for identification, payment and other communications and business transactions conducted over the Internet or corporate intranets. As with the credit card industry that developed a way to electronically validate the millions of credit card numbers issued by any bank in the world, the use of digital certificates requires its own clearinghouse network for certificate confirmation so that individuals and businesses can assure the current validity of a certificate.

A pioneer in the emerging area of digital certificate validation, ValiCert’s software and services deliver the only universal, high-performance solution available today for validating digital certificates. ValiCert’s products and services enable organizations to securely and rapidly manage the validation of digital certificates, and provide enterprise developers and ISVs with the tools to build applications that incorporate certificates.

About Entegrity Solutions Corporation

Founded in 1996 and privately held, Entegrity Solutions is dedicated to ensuring the rapid deployment of secure applications, cost-effectively. The company’s product suite, consisting of PKI-based Security Development Platform (SDP), AssureWeb, Notary, AssureMail and Entegrity-SSL, combined with professional consulting services, ensures the integrity of information throughout the enterprise. Entegrity’s fully integrated security solutions are deployed in over 12 countries worldwide in a variety of private sector and government projects. Headquartered in San Jose, California, the company’s research and development facility is in Sweden, with regional professional services and sales offices in London, Boston, and Washington, D.C.

For more information on Entegrity Solutions, call 408-487-8600 or visit the company Web site at .

About ValiCert

ValiCert was established in 1996 by a group of leading cryptographers and executives from the Internet services industry to build a broad validation infrastructure for the net economy. Utilizing a best of breed suite of technologies, including all traditional methods for certificate validation as well as ValiCert’s own innovative cryptographic technique called certificate revocation trees, ValiCert delivers a highly efficient, scalable and transparent solution for checking the validity of digital certificates in any Internet or intranet transaction. ValiCert is headquartered in Palo Alto, Calif. and is available on the World Wide Web at or by e-mail at [][1].



MC MLB  Summer

MasterCard will launch a Major League Baseball summer promotion tomorrow to heighten brand awareness and increase card usage by offering consumers a chance to win a decade’s worth of All-Star Game tickets and $50,000 in cash as the grand prize. Consumers will also receive instant ‘Value Card’ savings by using their MasterCard at Foot Locker, RadioShack,  Sam Goody/Musicland and SunCoast Motion Picture Company. ‘MasterCard’s Major League Summer’ includes a donation program, tied to card usage, benefiting the Boys & Girls Clubs of America. MasterCard also announced yesterday it is broadening its eight-month relationship with Major League Baseball by signing multi-year sponsorship and marketing agreements with seven teams. Under terms of this week’s agreements, MasterCard will serve as the preferred card and will work with its member banks to build affinity card programs for the Atlanta Braves, Baltimore Orioles, Boston Red Sox, Cleveland Indians, Los Angeles Dodgers, New York Mets and St. Louis Cardinals. MasterCard signed a multi-year sponsorship agreement last October, making it the preferred card of Major League Baseball. As part of the original agreement, MasterCard was granted rights to the collective use of Major League Baseball marks in advertising, merchandising and promotions.  The agreement also provided MasterCard with exclusive category rights to utilize Major League Baseball trademarks including the World Series, League Championship Series, Division Series and All-Star Game logos and established MasterCard as the national affinity card for Major League Baseball.