First Non-Bank Interac Member

The CGI Group announced today that it is the first non-financial institution member of Canada’s Interac electronic payment system with the ability to provide Interac services to its clients. Yesterday, CGI became the first non-financial Interac member to process transactions and the first such member to offer Interac Direct Payment (IDP) services through point-of-sale devices and Interac Shared Cash Dispensing using automated banking machines (ABMs).

“We’re very excited about this development which opens up an entirely new dimension in our service offering,” said Jean Brassard, CGI’s President and COO. “As of yesterday, CGI began providing Interac services to the Canadian affiliate of Republic National Bank of New York, and we are currently holding discussions with a number of potential clients who have expressed interest in our Interac services,” he added.

CGI is one of several organizations that have become members of Interac over the past few months. CGI yesterday became the first such member to introduce its services. Since 1985, CGI has been involved in Interac as an agent and data services provider on behalf of the Credit Union Central of Canada and all of its more than 400 credit union affiliated members.

“We have been running Credit Union Central of Canada’s Interac- related applications for years,” said Brassard. “We have now taken a significant step by setting up our own stand-alone Interac environment to provide for Interac Shared Cash Dispensing and Interac Direct Payment.”

Brassard added that the market for Interac Direct Payment through point-of-sale devices is experiencing average annual growth of 50 percent in Canada and that this demand is expected to continue unabated in coming years, as a result of growing consumer acceptance. In the first seven months of 1997, according to Interac data, some 524.9 million IDP transactions were completed representing a total value of $22.7 billion. “In 1996, meanwhile, automated banking machine withdrawals totalled $1 billion in Canada, and this figure keeps growing,” he said. “Interestingly, there is strong customer demand for Interac services provided by a non-financial institution such as CGI.”

CGI’s role as non-financial service provider will position the company strongly in view of upcoming industry developments such as the introduction of smart card-based electronic payment technology. “The so-called chip cards incorporating integrated circuits are being pilot-tested and are expected to enter the market soon and will join other electronic payment systems in gradually replacing cash transactions,” he said. “CGI has the expertise and resources to play a major role in this emerging market.”

CGI’s Interac environment includes BASE24 software from Applied Communications Canada Inc. (ACCI). “ACCI is very pleased to be CGI’s provider of choice for its Interac electronic payment software,” said Janice Moyer, President and CEO of ACCI. “We have worked in partnership with CGI over the past year to design a highly functional, reliable system for its Interac customers.” ACCI, a subsidiary of Transaction Systems Architects Inc. (NASDAQ: TSAI), provides solutions to the majority of Canadian financial institutions that make up Interac, and has been actively involved with Interac since the late 1980s.

Following its April 1997 merger with CDSL Holdings, CGI gained a solid foothold in the retail banking systems and electronic commerce and switching services industry. CGI currently delivers information technology solutions and services to over 300 financial institutions with more than two million customers and supports in excess of 850 ABMs.

CGI is the largest Canadian-owned independent information technology consulting firm with 2,900 professionals and a revenue- run rate of $300 million. The company’s backlog is currently valued at over $1 billion. It provides end-to-end IT services and business solutions to more than 1,800 clients throughout Canada and elsewhere in the world. CGI’s shares are listed on the Toronto and Montreal stock exchanges under the GIB.A symbol. Website address: .


TSYS Rides Harley

Total System Services and Harley-Davidson’s Eaglemark Bank inked a multi-year contract Tuesday for TSYS to provide processing for Eaglemark’s recently announced co-branded ‘VISA’ card. The ‘Harley-Davidson Chrome VISA Card’, announced Aug 18, offers cardholders the chance of winning one of 52 new 1340cc Harley motorcycles to awarded once per week for the first year. Harley is also converting its private label cards to the new VISA program.


NDC Teams with Medical Manager

Medical Manager Corporation (Nasdaq: MMGR) and National Data Corporation (NYSE: NDC) announced today the formation of a long-term strategic alliance to provide expanded EDI services to Medical Manager Corporation’s customer base of more than 23,600 physician practice systems, representing some 110,000 physicians nationwide.

![][1] Under the terms of the agreement, National Data, the nation’s leading independent processor of electronic data interchange (EDI) health care transactions, will become a partner with Medical Manager Network Services (MMNS), a division of Medical Manager Corporation. Through partnerships with NDC and other EDI networks, MMNS offers a broad portfolio of transaction capabilities, and integrated software and support services to physicians using The Medical Manager(R) software.

“We are extremely pleased to welcome NDC as an EDI partner,” said Michael Singer, chairman and chief executive officer of Medical Manager Corporation. “NDC brings an especially robust offering of public and private eligibility connectivity and a strong presence in a number of our existing markets.

“In addition, NDC’s vision beyond the traditional payer transaction aligns very well with Medical Manager Corporation’s current and future product strategy. We’ve had a long-standing relationship with NDC and have been impressed with the company’s connectivity and support — and we look forward to working more closely with them.”

MMNS provides its physicians a single source infrastructure to manage the breadth of their EDI transactions. Through its network services, Medical Manager Corporation will significantly enhance its EDI offering to its large client base and will market, support and administrate EDI relationships for its distribution network and customers.

MMNS, in conjunction with EDI partners, allows users of The Medical Manager software to perform transactions such as all-payer electronic claims and managed care encounters, electronic remittance advice, real-time eligibility verification and referral authorization, credit card and check authorization, as well as electronic prescription, managed care formulary, and laboratory request and result transactions.

“This important partnership is a key endorsement of unique breadth of National Data’s network infrastructure and service capabilities,” said Richard Cohan, executive vice president and general manager of Health Care Network Services. “Our leadership position in delivering health care information is lowering the cost and improving the quality of health care across multiple segments of the market. We look forward to a closer relationship with Medical Manager Corporation in making a broad range of NDC services available to their extensive customer base.”

National Data Corporation is a leading provider of value-added information systems and services for the health care and electronic payment systems market. The NDC Health Information Network handles in excess of one billion transactions per year, and links more than 120,000 health care providers, and the majority of electronic payers representing more than 3,600 plans. The company provides services to the physician, pharmacy, dental, hospital and managed care sectors. The NDC web site is located at

Medical Manager Corporation develops, markets, implements and supports The Medical Manager physician practice management system, which addresses the financial, administrative, clinical and practice management needs of physicians. Since its development in 1982, The Medical Manager software has grown to become the most widely installed physician practice management system in the United States.

Further information about The Medical Manager software is available on- line at

This press release contains forward-looking statements within the meaning of the Private Securities Litigation Act of 1995 (the “Act”). These statements are based on current plans and expectations of Medical Manager Corporation and involve risks and uncertainties that could cause actual future activities and results of operations to be materially different from those set forth in the forward-looking statements.

Important factors that could cause actual results to differ include, among others, the success of the marketing, sales, and installation of the Company’s products, success of the beta testing program for the latest version of the Company’s software, success of the Medical Manager Network Services products and services (including without limitation its acceptance by the end users and independent resellers), continued demand for the Company’s products by the independent reseller, changes in government regulations, competition, and risks of operations and growth of newly acquired businesses.

Forward-looking information provided by the Company under the Act should be evaluated in the context of the foregoing factors. The Company expressly disclaims any intent or obligation to update these forward-looking statements.

[1]: /graphic/medicalmanager/medicalman.gif


CPA Seal for E-Commerce

In a bold effort to break down the barriers to mainstream consumer acceptance of electronic commerce, the American Institute of Certified Public Accountants (AICPA) and the Canadian Institute of Chartered Accountants (CICA) today announced CPA WebTrust(sm), a unique seal of assurance for electronic commerce. CPA WebTrust is designed to assess commerce web sites to assure they meet AICPA- and CICA-defined criteria for standard business practices and controls over transaction integrity and information protection.

Developed in line with the principles set forth by the White House in its “A Framework for Global Electronic Commerce,” CPA WebTrust tells potential customers that a CPA (or CA in Canada) has evaluated a web site’s business practices and controls and that the web site meets all the CPA WebTrust criteria. The CPA WebTrust assurance service is the latest initiative undertaken by the AICPA and is designed to build consumer trust and confidence in electronic commerce by monitoring and evaluating Web business practices through the hundreds of thousands of AICPA member CPAs and CICA member Chartered Accountants and their equivalents around the world.

“We are creating a consistent framework to set the bar on how web transactions should be done and a standard methodology for analyzing and evaluating the key factors in proper business practices and controls,” said Barry Melancon, President and CEO, AICPA. “For more than 65 years, CPAs have been the guardians of fiscal responsibility, bringing added measures of trust and confidence to business. Today, we continue that fine tradition with CPA WebTrust.”

Security Issues

According to PC Magazine, Americans spent more than $350 million on-line last year. That figure is expected to jump to $6.5 billion by the year 2000. However, AICPA research shows that millions of current and would-be electronic customers are very concerned about the privacy and security of information provided during Web transactions.

“Although electronic commerce is growing at an exponential rate, we believe security and other consumer concerns will continue to inhibit its widespread proliferation and acceptance. With CPA WebTrust, those concerns about privacy and security are minimized,” said Everett C. Johnson, Partner and International Director of Deloitte & Touche Enterprise Risk Services, and Chairman of the AICPA’s Electronic Commerce Task Force. “Our research shows that more than three quarters of on-line users have a favorable impression of the CPA WebTrust product concept.”

How It Works

The CPA WebTrust criteria examines three broad principles:

— Business Practices Disclosures: The web site operator discloses its business practices for electronic commerce transactions and executes transactions in accordance with its disclosed business practices

— Transaction Integrity: The web site operator maintains effective controls to ensure that customers’ orders placed using electronic commerce are completed and billed as agreed

— Information Protection: The web site operator maintains effective controls to ensure that private customer information is protected from uses not related to its business

Through a rigorous process, specially trained CPAs will examine a company’s web site to evaluate whether it meets the prescribed business practices and control criteria. When successfully completed, a report indicating the site’s compliance is issued and the site is granted the CPA WebTrust seal. Consumers can click on the seal to access the report, as well as the CPA WebTrust Principles and Criteria. The site must be revisited by the CPA and the seal must be refreshed at least every quarter. For more dynamic web sites, this frequency may be increased. And, each CPA WebTrust site will be linked to a directory of all sites bearing the seal.

“Unlike other services, CPA WebTrust is the only offering that combines privacy, security and sound business practices – and the only one that provides independent third-party verification by a CPA or CA with the report available to anyone who clicks on the CPA WebTrust seal,” said Johnson. “With research citing lack of security as the number-one reason not to purchase products on line, CPA WebTrust is truly needed to break down that imposing barrier.”

Technologically Superior with VeriSign

To ensure that CPA WebTrust has the assurance and technical aspects of the seal in place, the AICPA partnered with VeriSign, a world-renowned provider of digital certificates. VeriSign developed the CPA WebTrust seal to be difficult to forge and revocable if the organization does not meet the prescribed criteria. All sites bearing the CPA WebTrust seal will be linked to an on-line listing so individuals can easily locate web sites that have passed the CPA WebTrust evaluation.

“The new CPA WebTrust service will add tremendous value to VeriSign’s existing ID services by showing end users that web sites have been examined and approved by CPAs and have sound business practices. We are pleased to be working with CPAs to secure electronic transactions at their customers’ web sites with this special VeriSign Secure Server ID,” said Richard Yanowitch, vice president of Marketing for VeriSign. “This important program using digital IDs also shows web users that sites are indeed what they say they are so that consumers can make informed decisions before they register for, buy from or browse on a particular site. With our certificates, VeriSign provides the encryption necessary to ensure that no third party can ‘listen in’ on communications between a customer and a web site.”

Digital certificates serve as electronic credentials for the Internet and are used to validate a business’ identity for web site security and electronic commerce. VeriSign has issued more than 35,000 Secure Server IDs for Web commerce.

To quantify and characterize the need for an electronic commerce assurance service, the AICPA commissioned Yankelovich Partners to conduct a scientific study. The study was designed to assess the views of on-line users toward purchasing products on the Internet and the reaction to the new CPA WebTrust concept.

“According to our study, consumers who go online give high marks to the CPA WebTrust concept,” said Hal Quinley, Partner, Yankelovich Partners. “The study indicates an enormous potential with CPA WebTrust because it addresses the greatest barrier to purchasing and performing transactions online – consumer concerns about the security of their personal and financial information.”

Excerpts from the study include:

A large majority of online users say they would not provide information about their income (91%) or give out their credit card number (85%) when shopping online.

More than three quarters of online users (78%) have a favorable impression of the CPA WebTrust product concept

Almost half of on-line users (46%) report that the CPA WebTrust seal would make them more likely to conduct an online transaction

The AICPA ( is the national professional organization of CPAs with more than 331,000 members in public practice, business and industry, government and education.

The CICA, together with the provincial and territorial institutes of chartered accountants, represents a membership of over 60,000 professional accountants in Canada and Bermuda. The CICA sets accounting standards for business, not-for-profit organizations and government. It issues criteria of control guidelines, publishes professional literature, develops continuing education programs and represents the CA profession nationally and internationally.


AIDS Card Goes Platinum

MBNA’s year old ‘Elton John AIDS Foundation VISA’ was beefed up yesterday with the addition of an airline miles program and with a new ‘Platinum Plus’ version. The mileage program is the generic variety offering travel on most domestic carriers without regard to blackout periods. MBNA’s platinum version of the ‘AIDS’ VISA features no-annual-fee, credit lines to $100,000, year-end summary of charges and $1 million of common carrier travel accident insurance. During the past twelve months the card has generated $40,000 for the Foundation.


Moneta Arrives

A new service that enables banks to use the Internet to provide merchants with real-time access to bankcard payment information was introduced yesterday by First Data Merchant Services. ‘Moneta’ offers merchants secure access to card sales, funding, chargeback information and statements/reports. Merchants may also analyze the data online. T he new service uses a fully bank-branded web site and offers banks cross-selling opportunities via a link from ‘Moneta’ to the bank’s own web site.


Equifax’s New TELCO ’98

Recognizing the rapidly changing telecommunications marketplace and anticipating the effects of further deregulation, Equifax today introduced TELCO ’98(sm), a new and improved risk assessment model to help telcos build market there while reducing risk.

TELCO ’98 delivers numeric scores that rank-order risk more precisely than ever before, allowing the companies to require deposits only from high-risk customers (when applicable) and determine the most appropriate treatment strategy. TELCO ’98 can be used for cross-selling additional services to low-risk customers. Predefined action messages can be returned through Equifax’s MultiVision platform at the point of sale.

Val Perry, senior vice president and general manager, Equifax Telecommunications and Utilities Solutions, said, “Consumer behavior regarding telecommunications services has changed dramatically over the past few years. Equifax has analyzed actual local and long distance telecommunications nationwide performance data to create the most powerful risk model available to the industry.”

TELCO ’98 keeps on serving the customer throughout the entire credit life cycle, from account acquisition through account management to recovery and collections, if necessary.

— Account Acquisition. The model makes a credit risk evaluation on each new service applicant and can determine the need for and amount of a deposit (if applicable). It delivers a numeric score that provides an intuitive probability of payment, an assessment of credit worthiness and a forecast of payment performance. Customers are classified by score ranges and through several predefined action messages displayed on a screen, can be offered additional services while signing up for basic service. For example, the service provider may offer the customer long-distance or Internet service at the point of sale.

— Account Management. Accounts can periodically be “rescored” for increased or decreased likelihood of delinquency, resulting in a modified deposit requirement, refund, or a different treatment strategy. Rescoring also may increase retention of low-risk customers through aggressive repricing.

— Collections Management. TELCO ’98 can flag the “most collectable” accounts and help providers prioritize their collection efforts. Delinquent accounts are identified sooner, enabling fast action to reduce losses. Risk is reduced since the model rank-orders late stage revenue recovery efforts, whether managed in-house or by a collection agency.

For overall account management, TELCO ’98’s precise scoring segments applicants more accurately than other models, allowing for specific strategies for targeted groups when setting deposits, monitoring accounts or cross selling.

TELCO ’98 is available now. For more information, please contact Tracy Yarmolich, senior product development manager at 404-885-8176.

Equifax is a world leader in providing financial information and processing solutions, with global operations in consumer and commercial credit information services, payment services, software, modeling, analytics and consulting and direct-to-consumer services. The company serves many industries including banking, finance, retail, credit card, telecommunications and utilities and health care. Equifax was founded in 1899 in Atlanta and today has 10,000 employees around the world. It operates globally in 17 countries, with sales in 40 countries. Equifax (NYSE: EFX) revenues for the 12 months ended June 30, 1997, were just under $1.3 billion.


VISA Cash Celebration

SunTrust and Visa USA announced Tuesday plans to implement a ‘Visa Cash’ card program in Celebration, Fla., in the first quarter of 1998. Designed and developed by the Walt Disney Company, Celebration is a new town which encompasses the cornerstones of health, education, technology, place and a sense of community. When completed, Celebration may have up to 8,000 residences. Celebration will initially feature disposable and stand-alone re-loadable Visa Cash cards, with Visa check card functionality to be introduced later in 1998.


New Banking & Investment Channel

The Online Banking Association is announcing the development of the Banking and Investments (B&I) Channel. This will consist of a series of financial information segments for consumers that can be accessed over the Internet. Subjects will include such things as “How to Finance Your New Home,” “How to Buy Mutual Funds,” “How to Save for Retirement” and other financial topics of interest to individuals.

According to James M. Shelton, OBA Executive Director, “There is a great need for information on financial services due to the ever changing and complex financial world in which we live. Today’s consumers are confused about the many financial products and services being offered. By providing easy to understand and unbiased information about financial services, we can provide valuable information to banking customers.”

Gorilla Systems Corporation will be the technology facilitator for the system and will manage the operation on behalf of the OBA. According to Paul Lambert, Director of Consumer Services for Gorilla, “We are pleased to work with the OBA in developing the navigational components and technical issues associated with the B&I Channel. In particular, the technologies of broadband delivery of information over the Internet provides an exciting new opportunity to serve the banking public.”

The OBA and Gorilla Systems, in conjunction with other content providers, will be developing informational programs or modules to store on the B&I Channel web site. Each module will address a specific financial topic and can be accessed through the Internet. Financial institutions can sponsor various modules or advertise on the modules which can be accessed on demand by consumers. Each module will also provide a hot link to each advertiser’s web site. This allows target marketing by the bank, since those consumers requesting information on a specific financial service will be a prime market for the advertiser that is promoting that service.

Two databases will be developed. One will be for delivery on the standard Internet via telephone modems. The other will be for use with cable modem and satellite systems where broad bandwidth speed is available. These will be more television-like quality and will make extensive use of multi media presentations.

Content from the standard telephone Internet connection can either be delivered over television or a personal computer. For customers without personal computers in the home, the OBA is offering a set top box for banks to market which will provide Internet access over the home television.

Banks and content providers interested in participating in the program should call OBA headquarters at 415-924-1051. The first pilot program is planned for introduction this Fall. For further information on Gorilla Systems, please check their web site at Information on the OBA is at [][1].



NCR – China ATMs

NCR Corporation signed a joint-venture agreement to build ATMs in China. The agreement was signed Tuesday by the two partners at a ceremony in Beijing. The joint venture company will be known as NCR (Beijing) Financial Systems Co. Ltd. NCR and Beijing Wire will jointly invest $19 million under the agreement to produce NCR’s state-of-the-art personaS range of ATMs. NCR will be the majority partner in the venture with a 70 per cent stake, with the remainder held by Beijing Wire. Initial production will be about 600 terminals a year, rising to about 5,000 ATMs by 2002. It is expected that all production in the first five years will be marketed within China.


Bravo Wheel of Fortune

BRAVO® Card gathered hundreds of kids from the Philadelphia and surrounding area today at the Franklin Mills Mall for a chance to compete in a spectacular traveling version of WHEEL OF FORTUNE 2000, the hot, new CBS television game show for kids. Based on Wheel of Fortune, WHEEL OF FORTUNE 200 will be brought to cities all across the country this Fall by BRAVO Card. The traveling game show offered kids a chance to compete for fabulous prizes including a trip to Universal Studios Hollywood for the whole family.

Part of a 10-city tour (see attached schedule) presented by BRAVO CARD, the WHEEL OF FORTUNE 2000 Mall Tour offered local children, who were randomly chosen from the audience, a chance to win an all-expense-paid vacation to Universal Studios Hollywood® for their whole family. Every child who participated in the games won prizes including mall gift certificates and BRAVO accessories.

The traveling show came complete with a vibrantly-colored, 600 square foot set that featured animated video characters, sound effects and light displays.

The contestants, ages 8-14, earned points — not money — by spinning a wheel to the one on Wheel Of Fortune. The program stays loyal to the immensely successful adult Wheel Of Fortune format, but updates the classic game show by adding interactive, physically-challenging elements for children. The program, which is designed to be both entertaining and educational for children, helps youngsters with a variety of language arts skills, while also providing information and facts about mathematics, history, music, the arts and sports. WHEEL OF FORTUNE 2000 also helps children develop problem-solving skills while learning about healthy competition and sportsmanship.

David Sidoni, host of WHEEL OF FORTUNE 2000 and star of Nickelodean, selected over 70 children to play during the course of the weekend. Assisting Sidoni in the role Vanna White made famous, was stand-in “letter-tuner” Dave Shultz, legendary star of the Philadelphia Flyers.

“BRAVO CARD and WHEEL OF FORTUNE 2000 are a perfect fit,” said Robert E. Wood II, Executive Vice President, NOVUS® Services, Inc. “No other card offers its cardmembers the flexibility to do the fun and exciting things they want to do. And, no other game show is as much fun for families as CBS television’s WHEEL OF FORTUNE 2000.”

As an extension of the event, the first 100 people who brought a minumum of $50 in BRAVO Card receipts from a mall purchase to the BRAVO Card booth received a free, interactive game version of Wheel of Fortune. And, cardmembers who use their BRAVO Card for any purchase from now through November 30, 1997 are automatically entered in a sweepstakes to win a trip to Universal Studios Hollywood. (Cardmembers also can mail receipts to enter the sweepstakes through January 9, 1998)

The BRAVO Card, launched in 1995, offers members two lines of credit: an ACTIVE LINE for everyday purchases, balance transfers or cash advances. And, a RESERVE LINE — a second, separate line of credit of $1000 that allows cardmembers to write checks for $250 or more for bigger purchases. The BRAVO CARD also offers an over-limit protection feature called Approval: Yes! This feature allows cardmembers to make purchases, balance transfers and cash advances that exceed their Active Line credit limit by up to 15%. This feature gives cardmembers a cushion even when they inadvertently go over their Active Line credit limit.

The BRAVO Card, issued by a business unit of Morgan Stanley, Dean Witter, Discover & Co., is a general purpose credit card that is accepted nationwide wherever the NOVUS sign is displayed.