Hypercom Signs Lynk Systems

Hypercom Corporation today announced that it has signed a $7 million contract with Lynk Systems, Inc. Based in Phoenix, AZ, Hypercom is a leading supplier of point-of-sale (POS) payment systems, enterprise networking solutions and client/server transaction processing software.

Under the terms of the 12-month agreement, Hypercom will supply Lynk with T7 Series POS terminals, primarily the T7P and T77. Hypercom also will provide PIN Pads, such as the S8 Secure PIN Pad, which is a cost-effective debit solution for all T7 series terminals. The total number of units involved exceeds 30,000.

Lynk will market the Hypercom POS solutions nationwide to its customers, which include hotels, restautants and retail outlets. Lynk also will provide all support services for Hypercom products. Hypercom backs its terminals with a best-in-industry five-year terminal warranty.

The contract represents a strengthening of the business relationship between Hypercom and fast-growing Lynk, best known as a single-source provider of electronic payment processing solutions. Based in Atlanta, Lynk has more than 200 management and technical personnel and 500-plus sales agents operating from 25 direct sales offices throughout the United States.

“In successful business relationships, momentum builds overtime.” said John Marshall, Senior Vice President of Sales and Marketing, Hypercom POS US/Canada. “Our association with Lynk to date clearly has been win-win. With the signing of this contract, Hypercom looks forward to increasing our contribution to Lynk’s success and vice versa.”

“Lynk continues to be a valued partner for Hypercom by being pro-active throughout the product cycle. Lynk works side-by-side with Hypercom to develop software that runs on our terminals and meets the needs of Lynk’s customers. Once solutions are ready, Lynk depolys and support them.” said Ed Davis, Vice President of Sales-Southeast Region, Hypercom POS US/Canada.

Lynk’s Vice President of Sales, Wayne Damron, said, “Hypercom believed in us early on and the cooperation between our two companies has helped propel our growth. Hypercom’s quality support and product line has aided in the distinct differentiation we offer our ever-expanding customer base.”

Lynk Product/Services

Lynk supports the payment processing needs of virtually all industry types. The Lynk product/service family includes credit card processing, ATM/debit card processing, check verification and guarantee, end user hardware sales and services, and ATM and Scrip terminal sales and service.

Hypercom Products

Members of Hypercom’s T7 Series of terminals, the T7P and T77 both have an integrated, modular printer. A thermal or friction printer is available on the T7P. A thermal, sprocket of friction printer is available on the T77. Both terminals also have a small footprint, easy-to-learn/use 35-key keyboard, under 10-second dial response time and vast memory, including 32k EPROM and base RAM of 256K RAM.

Hypercom’s S8 Secure PIN Pad can be configured in three ways — to support standalone and networked T7 Series terminals as well as electronic cash registers.

Lynk Systems, Inc.

Atlanta-based Lynk Systems, Inc. is an integrated provider of payment services, cash dispensing services and other related value-added products and services. Lynk operates using internally developed, proprietary processing systems and technologies and differentiates itself by focusing on a single source approach to serving its customers.

Lynk’s customers include small to mid-sized merchants in retail, restaurant, grocery and lodging enviornments. Lynk also enters into marketing relationships with independent distributors and financial institutions to handle the processing needs of their merchant bases. Lynk processes over 4.5 million transactions a month, providing payment processing solutions to over 35,000 merchants and 125 banks and cash advance services in over 5,000 locations nationwide.

Hypercom Corporation

Hypercom Corporation is a leading supplier of point-of-sale (POS) payment systems and enterprise networking solutions. The company also produces Pinnacle client/server transaction processing software. Headquartered in Phoenix, AZ, Hypercom’s products are sold in more than 50 countries worldwide. Hypercom Corporation consists of four divisions: Hypercom POS US/Canada, Hypercom International, Hypercom Network Systems and Hypercom Manufacturing Resources. Hypercom’s common stock is traded on the New York Stock Exchange under the symbol “HYC”.


IFS/CheckFree Solution

The Integrion Financial Network and CheckFree Corporation rolled out the Interactive Financial Service /CheckFree solution for electronic banking, billing and payment to attendees of the BAI Retail Delivery Show. IFS is a cost effective middleware platform that supports home banking services, network infrastructure and front-end connectivity, and access to the CheckFree processing infrastructure for electronic billing and payment and end-to-end customer care support.

“Through Integrion, America’s financial institutions have an opportunity to define the way in which financial electronic commerce occurs,” said Pete Kight, chairman and CEO of CheckFree. “The sooner banks are up and running on IFS, the sooner they will enjoy the cost efficiencies and service enhancements of the combined Integrion and CheckFree alliance and the sooner they will be able to offer value-added services to their customers.”

Within the first half of 1998, IFS will be seamlessly connected with the CheckFree processing engine to ensure that high quality, efficient electronic billing, payment and customer care can be provided as an integral service of IFS. Also in 1998, banks using IFS will be the first to offer their customers fully integrated electronic banking, billing, and payment services developed by CheckFree and Integrion.

“Once a bank is up and running with IFS, the standardized message format and access to high quality, large scale processing will lower individual bank costs,” said Bill Fenimore, managing director of Integrion. “From that point on, all system or product enhancements will be seamlessly upgraded within the IFS platform, with no work on the bank’s part.”

The world’s largest retail financial services conference, RDS ’97, which began December 1, will continue through December 5 at the Ernest N. Morial Convention Center in New Orleans. More than 300 companies will exhibit their products and services to an estimated attendance of more than 6,000.

During RDS ’97, CheckFree will also spotlight its full line of retail delivery products and services as well as demonstrations of the company’s electronic billing and payment solution, CheckFree E-Bill(sm). Integrion will highlight its products and services through interactive presentations as well as showcase some of its customer web pages.

RDS ’97 is presented by Bank Administration Institute (BAI), the leading professional organization devoted exclusively to improving the competitive position of financial services companies through strategic research and a broad range of educational offerings.

About Integrion Financial Network

Integrion Financial Network provides interactive banking and electronic commerce solutions 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. 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.

The owners of Integrion are ABN AMRO North America, Bank One, Bank of America, Barnett Bank, Citibank, Comerica, First Chicago NBD, First Union National Bank, Fleet Financial, IBM, KeyCorp, Mellon Bank, Michigan National Bank, NationsBank, Norwest, PNC Bank, Royal Bank of Canada, US Bancorp, Visa U.S.A. and Washington Mutual, Inc. Additional information about Integrion can be found on the Internet at .


Founded in 1981, CheckFree Corporation () is the leading provider of electronic commerce services, software and related products for more than 2 million consumers, 1,000 businesses and 850 financial institutions. CheckFree designs, develops and markets services that enable its customers to make electronic payments and collections, automate paper- based recurring financial transactions and conduct secure transactions on the Internet.


BASE-24 Y2K Compatible

Applied Communications, Inc. , a subsidiary of Transaction Systems Architects, Inc. , announces the global deployment of year 2000 compatible BASE24 products. The software products, which include BASE24-atm, BASE24-pos, BASE24-teller, BASE24-telebanking and BASE24-billpay applications, provide fault-tolerant, scaleable EFT processing solutions that fully support operations in the year 2000.

“Our goal is to make January 1, 2000, `just another day’ in the processing lives of our customers,” said John Stanner, TSA’s Y2K coordinator. “To validate that our software products are ready, ACI has been systematically analyzing and testing Y2K issues for nearly two years so that our customers will have one less worry as they prepare their systems for the next century.”

ACI’s Y2K work began in 1991 when BASE24 was enhanced to pr.ply handle credit, debit and ATM cards with “00” expiration dates. As a result, relatively few Y2K changes remained. To locate them, ACI developed special tools that analyze and test the millions of lines of code contained in BASE24. ACI now provides these tools to customers to test their own systems.

ACI’s latest step toward Y2K compatibility across its entire product line, is the shipment of BASE24 Release 5.1.2. The update brings a number of BASE24 products into Y2K compliance, including BASE24-atm, BASE24-pos and BASE24- teller. Other Y2K updates currently shipping include Release 1.1 of BASE24- telebanking and BASE24-billpay, and CO-ach Release 2.4.

The updated BASE24 release joins a growing number of Y2K compatible products from ACI and its TSA affiliates. These products include:

ACI * CO-ach — high performance automated clearing and settlement (ACH)

* NET24 — mission-critical transaction processing middleware

* BASE24-check authorization, -refunds authorization and -disbursement, and-frequent shopper — check and refund fraud detection software for merchant retail

* ICE — connectivity software for Tandem NSK applications

USSI, Inc.

* TRANS24-eft — transaction authorization and routing, and device management for eft transactions and networks

* TRANS24-cms — card management system supporting the issue and reissue of plastics

* TRANS24-cp — card processing system for credit cards and merchant accounting

* TRANS24-settlement manager — settlement system that manages financial settlement for complex networks

* TRANS24-dcs — debit card system supporting ATM and POS transaction processing for Visa and MasterCard branded debit cards

Grapevine Systems, Inc.

* ENGUARD Release 2.0 — platform-independent monitoring, alert and dispatch application

Crystal Clear Technology, Inc.

* PRM — neural network fraud control for debit/credit card fraud

* ExecInsight — executive information system and data warehouse product

* WINPAY24 — retail application software products

* ClaimTrack — client-server back-office processing for claims, adjustments, and chargebacks

* XPRESS Banking — home banking systems designed specifically for community banks

“As a result of our efforts, most of our products are already Y2K compatible, with completion of some earlier releases and regional products expected in early 1998,” Stanner added.

Applied Communications, Inc., USSI, Inc., Grapevine Systems, Inc. and Crystal Clear Technologies, Inc. are subsidiaries of Transaction Systems Architects, Inc. (Nasdaq: TSAI). Transaction Systems’ software facilitates electronic payments and electronic commerce by providing consumers and companies access to their money. The company’s products are used to process transactions involving credit cards, debit cards, smart cards, remote banking services, checks, wire transfers and automated clearing and settlement. Its solutions are used on more than 2,700 product systems in 69 countries on six continents. Visit TSA on the World Wide Web at .

All trademarks are property of their respective owners. Please use upper case with no spaces between letters and numbers of BASE24, TRANS24 and WINPAY24.


CompuServe Wireless Transactions

CompuServe Network Services today announced the company has extended its Transaction Services Network to include remote wireless connectivity with the integration of GTE’s Cellular Digital Packet Data (CDPD) network. Now, merchants will be able to accommodate payment card transactions at the point-of-sale whether from an outdoor music festival, street fair, or major sporting event without dedicated telephone lines.

As part of its emerging electronic commerce strategy, CompuServe Network Services realizes retailers are increasingly mobile — going directly to customers at all venues, instead of waiting for customers to find their store front. In turn, with CDPD, CompuServe Network Services is enabling retailers to gain wireless access to the CompuServe Transaction Services Network. The CDPD service is currently available in most U.S. cellular markets, reaching more than 4,000 cities nationwide.

“Reliable wireless connectivity is key to the success of remote transaction processing,” stated Peter Van Camp, president, CompuServe Network Services. “Now, CompuServe Network Services is able to connect merchants, banks and credit card processors to facilitate commerce any time of day, no matter where the merchant is located.”

“GTE’s CDPD network is fast, reliable, secure and inexpensive, so it is the perfect complement to CompuServe Network Services far-reaching, highly reliable Transaction Services Network,” said Byron Smith, vice president-sales, GTE. “For example, a typical credit card transaction may cost very little and is completed within three to five seconds, making CDPD ideal for immediate data transmissions, such as point-of-sale transactions.”

One Visa credit card processor, First Bank, showcased the CDPD solution at the recently held sixth annual Twin Cities Ribfest in Minneapolis, where more than 100,000 people converged downtown to taste and compare ribs from some of the nation’s top restaurants. For the first time, visitors could purchase coupons via credit cards redeemable for food, beverage and souvenir purchases. In past years, on-line credit card verification was not possible because the Ribfest takes place where no dedicated telephone lines are available — outdoors.

In support of its new offering, CompuServe Network Services has signed an agreement with GTE for its national CDPD service. The deal calls for CompuServe Network Services to utilize GTE’s CDPD network to provide cost- effective digital transmission using its existing cellular telephone network to send data to and from various computing devices. Additionally, business executives can take advantage of the new wireless connectivity option to conduct business from the road.

About CompuServe Network Services

Established in 1982, CompuServe Network Services, a leading global network integrator, provides more than 1,300 customers with complete, fully integrated, Internet, Intranet and Extranet connectivity solutions in 106 countries. A division of CompuServe, Inc. (Nasdaq: CSRV), CompuServe Network Services provides the network for CompuServes CSi online service and SPRYNET direct Internet access service. Additional information on CompuServe Network Services can be found on the World Wide Web at .

About GTE

GTE (NYSE: GTE) is one of the largest publicly held telecommunications companies in the world. In its wireless operations, GTE provides telecommunications products and services to more than four million customers in 73 metropolitan and 52 rural markets nationwide.


SAS Scores Big with Bankers

SAS Institute says it has sold applications in the past quarter to MBNA, Chase Manhattan, Bank of New York, First USA, First Bank System, BankBoston, Citibank, CitiCorp Services, First Chicago NBD, NationsBank, Republic National Bank and Wachovia. The “bankers’ dozen” worth of applications range from data warehousing to ad hoc query and reporting, OLAP/business intelligence, data analysis, IT management, and data mining.

“Banks use our OLAP and data warehousing tools, and data mining methodology to build long-term relationships with their customers,” said Laurie Rose, SAS Institute program manager, Financial Services Industry. “SAS Institute is successful in the banking industry, because it helps banks to quickly and smoothly adapt to business changes. SAS(R) software can access and combine any data from virtually any data source.”

MBNA-MXA (MBNA’s Loss Prevention dept.) Its plans include a data mart and MDDBs via SAS/Warehouse Administrator(TM) software, a production reporting environment for business users delivered via the Web, and an ad hoc query and reporting environment for data marts and business users.

Chase — The Credit Card Services group is implementing a new information warehouse for Risk and Marketing users. SAS software will be used for query and reporting, OLAP, predictive modeling, scoring and applied analysis.

The Value Management Group will build a data mart to consolidate and analyze data from Insurance, Credit Card, Mortgage, Auto Loan, and Consumer Credit Business Units.

Information/Technology Management — Small business accounts will use SAS software to analyze profitability, model its customer base, and do portfolio analysis.

Bank of NY – The Technology Group will replace MVS CA MICS with IT Service Vision(TM) software.

First USA – Marketing and Credit Policy groups (60-70 analysts) are using SAS software for marketing analysis including campaign management. First Bank System – SAS software will be used in a Customer Decision Management data mining user lab running off of a corporate data warehouse.

BankBoston – Additions to enhance their in-house on-line budget system. SAS is used to analyze performance issues and as a Database Marketing application to their Database Marketing Group.

Citibank – An expansion of Citicorp’s center operations.

CitiCorp Services – The group is building a data warehouse for market research in its Tampa regional headquarters for Latin American data centers.

First Chicago NBD – SAS software will add data mining capability to checking, savings and loans.

NationsBank – An enhancement for the Credit Policy department’s decision support applications.

Republic National Bank – Applied Analysis Business need/concept: Scoring bank customers.

Wachovia – An application for segmenting, clustering and scoring of retail banking customer information

Now in its 21st year, SAS Institute is one of the top ten largest independent software vendors in the world, and is the largest privately held software company. The leading provider of data warehousing and decision-support software, the Institute has won the reader-selected 1996 and 1997 Datamation magazine Data Warehousing Product of the Year award, and Software Magazine’s 1997 Editor’s Choice award for decision-support software.

SAS Institute provides an integrated suite of information delivery tools that allow companies to transform the wide variety of data within their organization into information that business users need to make decisions. To make data useful, SAS software collects data from almost every platform and data format; cleans and transforms data into information that users will understand; and stores that information in an open and efficient data warehouse structure. To explore this information, SAS software includes OLAP, query and reporting, EIS, data mining, analysis, data visualization, and application-development interfaces.

SAS software is client/server and Web enabled. SAS Institute also delivers business solutions that are complete packages for financial consolidation and reporting, clinical trials analysis, oil and gas analysis, and IT service management. Currently, SAS software and business solutions are being used at 30,000 business, government, and university sites in more than 120 countries.

Please visit SAS Institute’s Web site: [www.sas.com][1] SAS is a registered trademark of SAS Institute Inc., Cary, NC, USA. All other tradenames referenced are the trademarks or registered trademarks of their respective companies.

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


Holiday Sales Weak

Consumer spending for the three-day Thanksgiving weekend showed only a slight gain over last year’s strong Thanksgiving weekend sales, resulting in a 1.0 percent gain in same-store sales, according to TeleCheck Services, the world’s leading check-acceptance company.

Data are based on a year-over-year, same-store comparison of the dollar volume of authorized checks written by consumers at more than 27,000 of TeleCheck’s 167,000 subscribing locations. Checks account for more than one-third of retail spending. TeleCheck is a subsidiary of First Data Corp..

“Sales slowed over the weekend, resulting in a 1.0 percent same-store sales gain for the three-day period, compared to the 4.3 percent gain TeleCheck reported for the same three days in 1996,” said Dr. William Ford, TeleCheck’s senior economic adviser.

“Many consumers took advantage of early sales promotions and discounts, which resulted in smaller receipts for retailers. And many others used the Thanksgiving weekend as an opportunity to browse and plan for items they’ll buy later in the season. For the last few years, spending has slowed following the Thanksgiving weekend, then increased closer to Christmas, with the biggest shopping days occurring the last week before Christmas.”

The Northeast was the strongest region, up 4.4 percent. Sales rose 4.3 percent in New York, with New York City up 2.1 percent. Massachusetts’ sales grew by 2.0 percent, with Boston up 3.2 percent.

In the Southeast, sales rose 2.3 percent, with Georgia up 4.5 percent, Tennessee gaining 3.3 percent and Florida rising 2.1 percent. Sales dropped 1.6 percent in Louisiana and 2.7 percent in the Carolinas.

Atlanta’s sales rose 5.2 percent and Nashville’s grew by 2.8 percent, while Memphis’ dropped 2.9 percent and New Orleans declined 1.8 percent. Sales rose by 3.4 percent in Tampa and 2.5 percent in Orlando, but dropped 0.5 percent in Miami/Fort Lauderdale.

The Midwest had a 1.4 percent gain, with Minnesota up 3.1 percent, Wisconsin up 2.4 percent and Ohio up 1.9 percent. Sales rose 0.4 percent in Michigan and dropped 0.9 percent in Illinois. Sales were down 0.4 percent in Minneapolis/St. Paul and up 5.3 percent in Milwaukee. Cleveland’s sales rose by 1.9 percent, Detroit’s were up 0.5 percent and Chicago’s rose 2.3 percent.

The Mid-Atlantic was up 0.3 percent, with New Jersey up 3.3 percent, Maryland up 0.3 percent and Pennsylvania up 0.2 percent. Virginia’s sales dropped 0.1 percent and the District of Columbia’s were down 1.9 percent. Baltimore’s sales dropped 0.8 percent, Pittsburgh’s were down 0.3 percent and Philadelphia’s sales dropped 2.8 percent.

Sales in the West were down 0.7 percent. Oregon’s sales rose 5.3 percent, Colorado’s and Washington’s were both up 0.4 percent and Arizona’s grew 0.2 percent. Hawaii’s sales dropped 1.0 percent and California’s declined by 1.6 percent.

Sales rose by 3.2 percent in Portland and by 1.5 percent in Denver, but dropped 1.0 percent in Seattle. Sales rose 2.1 percent in Phoenix and 0.7 percent in San Diego, while Los Angeles’ sales dropped 0.7 percent and the Bay Area’s declined by 2.0 percent.

The Southwest’s sales dropped 1.3 percent, with Oklahoma up 1.3 percent, Missouri down 0.7 percent and Texas down 1.6 percent. Sales rose by 1.7 percent in Tulsa and 1.6 percent in Oklahoma City and dropped 1.4 percent in St. Louis and 5.1 percent in Kansas City. Sales rose 3.0 percent in Austin and 0.3 percent in Houston, but declined 0.3 percent in Dallas/Fort Worth and 1.8 percent in San Antonio.

TeleCheck’s index is compiled on a calendar basis and is based on the total sales volume of check-writing consumers at a broad cross-section of retailers. Figures are not adjusted for inflation. Checks account for 37 percent of retail spending. In 1996, TeleCheck authorized more than $40.2 billion in checks and processed more than 645 million check inquiries.

Founded in 1992, Hackensack, N.J.-based First Data is a global leader in payment systems, electronic commerce and information management products and services. First Data and its principal operating units process the information that allows millions of consumers to pay for goods or services by credit, debit or smart card at the point of sale or over the Internet; by check, or wire money — seamlessly and effortlessly.

For more information about First Data, visit the company on the Internet at .

Ford holds the Weatherford Chair of Finance at Middle Tennessee State University. Earlier in his career he was president of the Federal Reserve Bank of Atlanta and served on former Fed Chairman Paul Volcker’s Federal Open Market Committee.

Note to Editors: The TeleCheck logo and additional information on retail sales figures can be downloaded from the TeleCheck Web site at .

TeleCheck National Holiday Retail Sales Index
Thanksgiving Weekend Sales (Period: 11/28-11/30/97)
Dec. 2, 1997

11/28-11/30/97 November
————– ——–

NATIONAL 1.0% -0.4%

SOUTHEAST 2.3% 0.9%
Florida 2.1% 1.4%
Miami/Fort Lauderdale -0.5% -2.9%
Orlando 2.5% 2.8%
Tampa 3.4% 0.3%
Louisiana -1.6% -0.9%
New Orleans -1.8% -2.1%
Georgia 4.5% 4.7%
Atlanta 5.2% 5.3%
Tennessee 3.3% 2.0%
Memphis -2.9% -4.0%
Nashville 2.8% 3.7%
The Carolinas -2.7% -3.5%

SOUTHWEST -1.3% -0.5%
Texas -1.6% 0.1%
Austin 3.0% 0.2%
Dallas/Fort Worth -0.3% 0.6%
Houston 0.3% 2.8%
San Antonio -1.8% -2.8%
Missouri -0.7% 1.2%
Kansas City -5.1% -7.6%
St. Louis -1.4% 4.1%
Oklahoma 1.3% -2.0%
Oklahoma City 1.6% -0.7%
Tulsa 1.7% -2.2%

WEST -0.7% -1.3%
Arizona 0.2% 3.7%
Phoenix 2.1% 5.1%
California -1.6% -1.3%
Bay Area -2.0% -3.4%
Los Angeles -0.7% 0.5%
San Diego 0.7% 1.8%
Oregon 5.3% -2.3%
Portland 3.2% -3.0%
Washington 0.4% -1.2%
Seattle -1.0% 1.1%
Colorado 0.4% -0.2%
Denver 1.5% 2.0%
Hawaii -1.0% 0.6%

NORTHEAST 4.4% 0.1%
Massachusetts 2.0% 1.2%
Boston 3.2% -0.4%
New York 4.3% -0.7%
New York City 2.1% -5.3%

MIDWEST 1.4% 0.9%
Illinois -0.9% 0.7%
Chicago 2.3% 3.3%
Michigan 0.4% 1.2%
Detroit 0.5% 0.3%
Minnesota 3.1% -1.9%
Minneapolis/St. Paul -0.4% -2.4%
Wisconsin 2.4% 0.4%
Milwaukee 5.3% -0.5%
Ohio 1.9% 2.2%
Cleveland 1.9% 3.0%

MID-ATLANTIC 0.3% -2.5%
District of Columbia -1.9% -2.7%
Pennsylvania 0.2% -3.7%
Philadelphia -2.8% -5.1%
Pittsburgh -0.3% -2.4%
New Jersey 3.3% -3.6%
Virginia -0.1% -0.8%
Maryland 0.3% -4.1%
Baltimore -0.8% -2.0%


Carter Named BUYPASS President

BUYPASS Corporation has announced the promotion of Ron Carter, previously senior vice president, Petroleum/Convenience Store and Hospitality Product Sales for BUYPASS Corporation, to president of BUYPASS. BUYPASS Corporation, a subsidiary of Electronic Payment Services, Inc. (EPS) is a major third-party POS processor and debit transaction acquirer with annual transaction volume of over 900 million.

“Ron Carter possesses in-depth experience and a wealth of knowledge in the industries BUYPASS serves, and we are very excited that Ron has accepted the challenge of applying this experience and knowledge to managing our BUYPASS operation,” said Richard Garman, president and chief executive officer, EPS. Carter reports to Ruth Ann Marshall, former BUYPASS president, who was promoted to executive vice president and group executive of EPS. In her new role, Marshall is now responsible for all BUYPASS and MAC(R) client relationships, including customer service and product management functions.

Other BUYPASS 3rd Quarter Highlights

— Tim Finn succeeds Ron Carter as vice president of Petroleum and Convenience Store Sales.

— BUYPASS’ third-quarter transaction volume was 265.3 million, up 32% over third quarter 1996. This included 57.3 million debit POS transactions, 85% above third quarter 1996, and 5.9 million electronic benefits transfer (EBT) transactions.

— BUYPASS expanded its EBT offering to include programs in Arkansas, Georgia, Idaho, Iowa, and Oregon during the third quarter; BUYPASS now processes for EBT programs in 24 states.

— BUYPASS increased the number of terminals certified for supporting EBT transactions by completing testing and certification on new software for VeriFone’s TRANZ 330 POS terminal. The software now supports EBT transactions in addition to debit and credit.

— BUYPASS added l,342 new merchant locations in the third quarter.

Electronic Payment Services, Inc. (EPS), a privately held company headquartered in Wilmington, Delaware, is a leading electronic funds transfer (EFT) processor in the United States, with over 2 billion transactions annually. EPS is the holding company for BUYPASS Corporation and MONEY ACCESS SERVICE INC.

BUYPASS Corporation, headquartered in Atlanta, Georgia, provides processing for 50 of the top 200 grocery store chains in the United States. One out of every ten debit POS transactions performed in the United States is processed by BUYPASS. BUYPASS also has electronic benefits transfer (EBT) programs in 24 states and provides gateway access to over 46 credit, debit and EBT gateways.


EPS Promotes Marshall

Electronic Payment Services, Inc. (EPS) announced the promotion of Ruth Ann Marshall, previously president of BUYPASS Corporation, the point-of-sale (POS) subsidiary of EPS, to the newly created position of executive vice president and group executive of EPS. Marshall will have responsibility for all BUYPASS, MAC(R) network and EPS processing client relationships, including customer service and product management functions. The MAC(R) network is the largest electronic funds transfer (EFT) network in the nation based on switch transactions.

“Ruth Ann Marshall possesses in-depth experience in strategic business planning and management, as well as broad experience in the customer service and client satisfaction areas,” said Richard Garman, president and chief executive officer, EPS. “We’re very pleased with her accomplishments at BUYPASS, where she achieved unprecedented levels of client satisfaction and revenue growth. Ruth Ann’s leadership and business acumen have enabled her to develop strong client relationships, and her market-centric approach will help us to deliver superior products and services,” said Garman.

Other EPS/MONEY ACCESS SERVICE INC. (MAS) Third Quarter Highlights

— Total EPS switch transaction volume was 591 million, up 27% over third quarter 1996.

— 48 new financial institutions joined the MAC network across 14 states and EPS business development signed up 21 new merchants and independent sales organizations across 14 states for participation in MAC network during the third quarter.

— The MAC network consistently hit over 105 million transactions for each month during the third quarter and achieved a record high of 111.6 million transactions in August.

— MAS total switch volume was 326 million in the third quarter 1997, consisting of 297 million ATM transactions and 29.5 million debit POS transactions.

— 95 financial institutions signed off-line debit card processing contracts in the third quarter, bringing the total to 285 institutions year-to-date.

— A record number of 2,821 ATMs were installed during the third quarter. Total number of ATMs currently driven by EPS is 18,435.

— There are currently 27,860 ATMs and 36.5 million cards bearing the MAC logo.

Electronic Payment Services, Inc. (EPS), a privately held company headquartered in Wilmington, Delaware, is a leading electronic funds transfer (EFT) processor in the United States, with over 2 billion transactions annually. EPS is the holding company for BUYPASS Corporation and MONEY ACCESS SERVICE INC.

BUYPASS Corporation, headquartered in Atlanta, Georgia, is a major third- party POS processor and debit transaction acquirer with annual transaction volume of over 900 million. BUYPASS provides processing for 50 of the top 200 grocery store chains in the United States. One out of every ten debit POS transactions performed in the United States is processed by BUYPASS. BUYPASS also has electronic benefits transfer (EBT) programs in 24 states and provides gateway access to over 46 credit, debit and EBT gateways.

MONEY ACCESS SERVICE INC., headquartered in Wilmington, Delaware, is the leading EFT processor to the financial services industry, driving 18,500 ATMs in all 50 states. The MAC network is the largest EFT network in the United States based on over 1 billion switch transactions annually, with 28,000 ATMs and 400,100 POS terminals nationally. Over 2,100 financial institutions are members of the MAC network, with 36.5 million customers carrying cards bearing the MAC logo. MONEY ACCESS SERVICE INC. controls the license rights for the registered trademark MAC.


ClearCallCenter 2.0

Clarify Inc., the leading provider of front office solutions, today introduced ClearCallCenter 2.0, a comprehensive solution for call centers that supports both inbound/outbound sales and service. The new Clarify release adds advanced scripting and post-call follow-up capabilities to turn leads and inquiries into profitable, long-term customer relationships.

“The call center is becoming a consolidated entity that handles all types of contacts, from all types of sources — whether it’s a customer calling for general information, requesting simple service, or submitting an order via fax, email or the Web,” said Donna Novitsky, Clarify’s vice president of marketing. “Competitive companies need a centralized resource for collecting and managing this data, plus representatives who are empowered to provide a broad range of services. ClearCallCenter provides one-stop customer care, allowing the representative to do more for the customer at the initial point of contact.”

Using ClearCallCenter, valuable customer information — from raw list data to established customer files — can be centralized and shared with everyone throughout the enterprise for consistent interaction no matter what the intent. “With ClearCallCenter,” Novitsky noted, “the call center becomes a strategic tool to capture information and enables the agent to quickly provide prospects with the information they need so that eventually, that phone call or Web-based request turns into a lasting customer relationship.”

Clarify’s ClearCallCenter supports complete customer sales and service, where certain issues — such as complex sales cycle or technical support questions — are escalated to another department or specialist within the organization. ClearCallCenter is integrated with the entire Clarify front-office suite, which supports the full customer life-cycle, from pre-sale to post-sale.

Puma Technology to Deploy ClearCallCenter

Puma Technology, Inc. (), a leading provider of Mobile Data Exchange(TM) software providing solutions for advanced synchronization between mobile computing devices and PCs, has selected Clarify’s ClearCallCenter to centralize the information on prospects and customers being gathered at its San Jose, Calif.-based call center.

“ClearCallCenter is a powerful system that helps solve our business needs,” said Steve Magidson, vice president of corporate communications, Puma Technology. “Centralizing the customer database has given our sales professionals a ‘one point access center’ which has enabled them to capture the details of every customer call, and then share them across the company. Puma has been able to use this information to enhance our marketing campaigns and help shape the development of our IntelliSync synchronization solutions for mobile computing devices. Our goal is to ensure that all customer needs are thoroughly met, and ClearCallCenter is one of the important tools that has assisted in our achieving this goal.”

Puma Technology’s decision to purchase ClearCallCenter was also based on the product’s seamless integration with other Clarify products, and the company’s successful experience with ClearSupport, Clarify’s technical support management system. “Clarify’s products deliver true out-of-the-box functionality,” Magidson noted. “We implemented ClearSupport in just two months — long before the scheduled date — without any difficulties at all.”

New Release Adds Workflow-Based Action Items, Script Manager ClearCallCenter 2.0 is the next generation of Clarify’s ClearTelebusiness system, announced in April. ClearCallCenter replaces ClearTelebusiness and delivers expanded call center functionality. The latest release incorporates several new and powerful features, including workflow-based action items, which allow users to create follow-up activities that automatically remind the representative when that task is “due” to ensure that no sales lead or customer request “falls through the cracks.” Routine tasks such as sending out promotional materials are automated, thereby increasing the efficiency and profitability of the call center.

Also new in version 2.0 is an enhanced scripting engine designed to improve the effectiveness of every customer contact. ClearCallCenter’s Script Manager allows the call center manager to associate one or multiple scripts with a campaign. The system automatically presents the designated script to the agent based on inbound sales opportunities or lead sources. Script Manager provides dynamic branching based on the caller’s responses, ensuring that the agent asks the appropriate questions for that caller. Based on the caller’s responses, Script Manager then generates a rating for the prospect, which can be used with Clarify’s workflow to ensure proper handling of the opportunity. Script Manager also prompts the agent with upselling or cross-selling opportunities. In addition, the entire script — with branching and workflow — can be easily administered by a call center manager with Clarify’s point and click system.

ClearCallCenter: Powerful Tools for Every Call Center Process Clarify’s ClearCallCenter provides all the tools necessary to maximize the efficiency — and profitability — of every customer interaction.

* Service Request Management: ClearCallCenter provides customer service management so that service representatives can make basic changes to the customer database — such as a new address, phone number or account — and the ability to answer routine product questions, as well as to electronically route difficult or complex issues to designated technical support specialists. Fully integrated with the Clarify front office suite, ClearCallCenter gives agents a 360 degree view of the customer situation — enabling them to provide better and more personalized service, as well as the ability to identify potential new sales opportunities.

* Campaign Management: ClearCallCenter provides a point-and-click capability for planning, implementing and tracking multiple sales and marketing campaigns. The system supports the import/export of data, such as purchased lists or fulfillment requests. ClearCallCenter tracks special pricing, costs, lead sources and other vital demographics. In addition, it can determine the amount of time and money spent on a campaign, forecast the expected return and make calculations during the actual process of a campaign, allowing management to make appropriate changes, as needed.

* Lead Accountability: ClearCallCenter automates the process of identifying, qualifying and managing sales leads. Imported leads can be queued to specific agents and outbound calls can be automatically placed to leads. Every lead that enters the system is owned and managed by a sales representative. Users can easily define notification and escalation procedures so that leads not acted upon within a prescribed period of time will trigger a notification to a manager or automated reassignment. An activity log provides information about each person who worked on a lead, enabling companies to quickly and easily calculate commissions and recognize revenue. Clarify’s workflow also facilitates collaboration across the enterprise and with outside partners, such as resellers, while adhering to a strict ownership paradigm in which leads or inquiries must be “accepted” before they are reassigned. This unique Clarify capability is critical in the sales environment, where a misplaced lead can easily prompt a customer’s call to a competitor.

* Literature Fulfillment: ClearCallCenter allows representatives to mail, email or fax literature from their desktop. Clarify is the only vendor who can track the inventory and automatically notify the appropriate person when the stock levels fall below a reorder level, as well as track inventory as it is used. The system’s open architecture enables integration with third-party fulfillment systems, so that literature requests can be automatically passed electronically to an outsourcer.

In addition, ClearCallCenter is fully-integrated with Clarify’s ClearExpress Publisher module, a leading-edge Internet “push technology” product that allows the call center representative to proactively send appropriate information to a prospect or customer, utilizing a wide variety of customer-defined delivery formats (e.g., Web, email, fax, pager).

* Quotation Management: ClearCallCenter assists representatives in quickly developing customer quotes and taking orders. Quotes can be sent electronically to the customer and then accepted over the phone. Clarify’s architecture allows for real-time or batch interfaces to other applications, such as credit card verification, price books and order management systems, enabling representatives to close business immediately. The Clarify system supports multi-national pricing based on a campaign, product or customer.

* Analysis and Reporting: ClearCallCenter provides easy-to-use tools to analyze results and identify opportunities for improved profitability. Each lead generated can be associated with a primary lead source based on a campaign or list. Clarify automatically calculates and presents detailed analysis to assess the effectiveness of individual sources or entire campaigns. Users can view the number of leads that were generated for a particular campaign and track them in terms of resulting revenue. Leads that are still in the sales cycle are included, enabling organizations to identify those that are most likely to result in sales. Management can measure profitability of individual campaigns, sales representatives or products.

Pricing and Availability

ClearCallCenter 2.0 is available immediately for a $20,000 (U.S.) application fee, plus $3,750 per concurrent user. The push-enabled ClearExpress Publisher is available for a $20,000 (U.S.) application fee.

About Clarify Inc.

Clarify is the leading provider of front office solutions that bring companies closer to their customers. The company’s proven approach to sales and support solutions have made it the trusted partner of Global 1000 corporations, such as Amoco Corp., Cisco Systems, GE Medical Systems, Georgia-Pacific, Hewlett-Packard Co., MCI, Microsoft Corp., Motorola, Sprint PCS, Toyota and Transamerica Corp. Clarify focuses on delivering total solutions through strategic alliances with world-class companies including Aspect Tele-communications, Cambridge Technology Partners, CrossRoads Software, Ericsson, Ernst & Young LLP, KPMG and Nortel. Founded in 1990, Clarify is headquartered in San Jose, Calif. Its products are sold through sales and service offices throughout the world. Clarify can be reached at 408-573-3000; via e-mail at info@clarify.com; or via the Web at .


Platinum AAdvantage

The nation’s largest co-branded airline bank credit card has gone platinum. Citibank and American Airlines rolled out the new ‘Citibank Platinum Select AAdvantage’ yesterday. The upgraded program offers unlimited air mileage earned on purchases, double air mileage on American Airlines ticket purchases, $500,000 travel accident insurance and a dedicated customer service number. Citibank is charging $125 for the platinum version and will continue to assess interest at its core pricing structure of prime +9.4%. A mail-drop to current cardholders began Monday. There are 30 million AAdvantage members with nearly two million participating in the Citibank program.


SmartCity 4.0

Product Technologies Inc. announced Tuesday the availability of version 4.0 of SmartCity. SmartCity is a turnkey smart card based e-purse (electronic purse) application that also provides a multi-application development platform and tools to systems integrators. SmartCity 4.0 is an object-oriented client-server application that is EMV-compatible (Europay, MasterCard and Visa). It also supports secure multi-party loyalty applications that can be integrated with e-purse applications.

This new multi-application functionality allows issuers to deploy systems that enable the end user to make cash purchases from the e-purse while collecting loyalty points that are stored on the card’s chip. SmartCity is an open, modular platform that supports a high level of interoperability which means that SmartCity applications can accept and process smart cards from multiple issuers.

“Over fifty man years have gone into the development of the SmartCity application,” said William Mangino, PTI’s president and chairman. “The release of SmartCity 4.0 follows nearly five years of installation experience which entailed working closely with systems integrators, card issuers, merchants, and cardholders. It provides the features the smart card industry has been waiting for, in an advanced 32-bit object-oriented design.”


The rearchitected SmartCity 4.0 smart card solution incorporates all proven features of earlier SmartCity versions, plus:

— Underlying software objects that can be easily integrated into third party solutions;

–Card Priming Module to support electronic personalization of EMV smart cards, other rechargeable smart cards, and disposable memory cards;

–Card Setup to configure card structures and access conditions for purses, loyalty, and multi-applications;

–Batch/Remote Priming Station to support automated batch personalization and color printing of cards at centralized and/or remote card issuing locations;

–Database Setup Wizard to guide system engineers and system administrators through the initial database setup;

–Workstation Settings to allow simplified setup and control of client workstations;

–Device Personalization Wizard to download encryption keys to system devices; and

–New Customer and Merchant Explorer applications for customer support personnel.

SmartCity 4.0 runs on Microsoft Windows NT clients interfacing with relational databases running on Windows NT or a UNIX server.

Pricing And Availability

SmartCity 4.0 is available for immediate shipment; price varies according to size of installation.

About PTI

PTI is a leading supplier to systems integrators of smart card-based e-purse applications that can be used in combination with loyalty and other applications. It is headquartered in Middletown, CT, with a branch office in Moscow, Russia. Further information on the company can be found at: .



Milwaukee-based M&I Data Services announced yesterday it will expand its in-house smart card pilot to reloadable ‘VISA Cash’ cards in the second quarter 1998. The expanded program will involve 3,700 employees on the company’s two corporate campuses. The ‘VISA Cash’ program will utilize Diebold’s ‘iq Summary’ transaction processing software and M&I Data Services’ EFT processing platform. M&I introduced $20 disposable smart cards two months ago to its employees.