American Express Examines Consumer Trends

American Express research on consumer spending behavior shows a “New Era of Pause and Purchase” reflective of more thought to their purchasing decisions and redefining what it means to be a smart shopper. The new report, “American Express: Consumer Spending Futures: The New Era of Pause and Purchase,” found urban consumers report that they are shifting their habits towards those of their rural neighbors, seeking more local, home-grown and community-focused interactions, both in-person and online. With this, 31% want to be part of their local community so they purchase from more local brands and vendors; 55% are concerned about the quality of products over quantity; and 54% try to support their local economy. This implies consumers will continue to patronize smaller, community shops, local vendors and brands with more ethical products being prioritized. Also, 83% wish more products, services and retailers would support worthy causes; 36% say they expect brands to be ethical; 30% expect brands to be environmentally friendly; 25% of consumers say GPS use affects their shopping; and 23% say the availability of smartphones impacts their spending.


Ariane Systems Integrates Hypercom’s SmartPayments

Ariane Systems, the worldwide leader in self-service check-in / check-out kiosk technology for the hospitality industry, and Hypercom Corporation announce that Hypercom’s SmartPayments Wynid integrated payment solution has been integrated into the Ariane Systems service offering. As the official reseller of the SmartPayments Wynid integrated payment solution to the hospitality industry in France, Ariane now offers an extremely

secure universal payment system to maximize security and offer flexibility to hotel chains. Ideal for properties with multiple points of sale, the SmartPayments Wynid solution allows payment to be processed from the check-in/out kiosk itself, from the payment terminal at the front desk or by e-payment, depending on the guests’ preferences. This not only significantly reduces the cost associated with each transaction for the hotel, but also reduces the risk of errors and decreases the length of each transaction to only a few seconds, providing added convenience to the property’s guests.

The SmartPayments Wynid integrated solution uses an international EMV Level 2 certified kernel and meets the latest requirements for data security (PCI-PED and PCI-DSS). Ariane Systems in France has implemented and supports more than 1,600 points of sale already operating in major hotel chains, such as Pullman, Concorde Hotels & Resorts, Campanile and Balladins.

“Ariane Systems’ adoption of our SmartPayments Wynid solution is a splendid endorsement of our innovative technology and represents a boost to our market share in the fast growing European hospitality sector,” said Kazem Aminaee, President and Managing Director, Hypercom Southern EMEA.

Reliable and Cost-Effective

The SmartPayments Wynid integrated solution’s proven reliability enables efficient and cost-effective management of large volumes of electronic transactions from multiple sites. Since it is integrated into the hotel’s POS system, existing infrastructure and equipment can be utilized. This avoids hardware redundancy and minimizes operational costs. Well-developed management and analysis tools allow users full control of relevant transaction data.

Single Client/Server Architecture for All Points of Sale

The SmartPayments Wynid integrated solution is based on distributed thin-client architecture, linking several points of sale to a single in-store server, which allows a simpler and more efficient interface between the POS and the EFT peripherals. This open architecture, based on market standards, makes it possible to use the latest technology available from all integrated vendors at the property.

Modular and Scalable

This multi-application and multiple merchant solution can be adapted to all single and multiple points of sale at a hotel, including food and beverage, spas, and retail outlets, providing a range of payment applications for bank cards, private label cards, loyalty cards, cheques and electronic folios.

As a leader in self-service check-in/out kiosk technology with more than 1,600 installations at properties around the globe, Ariane leverages an extensive set of deployment and support services, as well as numerous business partner relationships, to develop what are widely considered the best self-service solutions for guest check-in/out in the hotel industry. These solutions incorporate top-tier business-class hardware components, software and warranties designed to minimize downtime and reduce operational support costs, while maximizing the guest experience.
For more information, please visit : .

About Ariane Systems | Ariane Systems is the world’s leading provider of self check-in / check-out technology solutions for the hospitality industry. Founded in 1998 by Michel Lavandier and Laurent Cardot, Ariane now has over 1,600 installations running at hotel properties in 20 countries. Numerous hotel chains utilize Ariane’s electronic kiosk solutions to streamline the check-in/out process. These include Accor, B&B Hotels, Choice Hotels, Fasthotel, InterContinental Hotels Group and Starwood Capital’s Louvre Hotels, among others. With corporate headquarters based in Paris, France, Ariane Systems maintains regional offices in the UK, Germany, Spain, Benelux, Scandinavia, the Middle East and North America. For more information, please visit : .

About Hypercom : | Global payment technology leader Hypercom Corporation delivers a full suite of high security, end-to-end electronic payment products and services. The company’s solutions address the high security electronic transaction needs of banks and other financial institutions, processors, large scale retailers, smaller merchants, quick service restaurants, and users in the transportation, petroleum, healthcare, prepaid, unattended and many other markets. Hypercom solutions enable businesses in more than 100 countries to securely expand their revenues and profits.
Hypercom is a founding member of the Secure POS Vendor Alliance (SPVA) and is the second largest provider of electronic payment solutions and services in Western Europe and third largest provider globally. Visit : .


Citi and Tractor Supply Renew Private Label Card

Citi announced the renewal of its long-standing partnership with Tractor Supply Company, the largest operator of retail farm and ranch stores in the United States, to administer the private label credit card program for an additional five years, effective November 1, 2010.

Citi has offered private label financing products to Tractor Supply Company customers since 2000, providing quick and efficient processing, valuable financing offers as well as flexible billing and payment options.

“Citi is proud of our long-standing relationship with Tractor Supply Company, the industry leader serving recreational farmers and ranchers across the country,” said Craig Vallorano, Executive Vice President, Partnership Management, Citi Retail Partner Cards. “This partnership renewal, along with other recent announcements, demonstrates our long-term commitment to provide best-in-class credit programs to market leaders in the Retail industry.”

Gregory A. Sandfort, President and Chief Merchandising Officer of Tractor Supply Company, commented, “We are pleased to continue working with Citi as the administrator of our private label credit card program. This partnership enables us to focus on serving our customers while leveraging the strengths of Citi’s financial expertise. This program helps us tailor our marketing and merchandise to fit our customers’ needs and build on-going relationships with them.”

Retail Partner Cards, within Citi Holdings, provides consumer and commercial credit card products and services, including private label credit cards, for national and regional retailers across the U.S. The business services more than 40 million customers and consists of managed assets of approximately $50 billion. Retail partners include The Home Depot, Shell, Macy’s, Sears, and ExxonMobil, among others.

Citi, the leading global financial services company, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Through Citicorp and Citi Holdings, Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management. Additional information may be found at or

Tractor Supply Company operates 976 stores in 44 states. The Company’s stores are focused on supplying the lifestyle needs of recreational farmers and ranchers. The Company also serves the maintenance needs of those who enjoy the rural lifestyle, as well as tradesmen and small businesses. Stores are located in towns outlying major metropolitan markets and in rural communities. The Company offers the following comprehensive selection of merchandise: (1) equine, pet and small animal products, including items necessary for their health, care, growth and containment; (2) hardware and seasonal products, including lawn and garden power equipment; (3) truck, towing and tool products; (4) work/recreational clothing and footwear for the entire family; (5) maintenance products for agricultural and rural use; and (6) home décor, candy, snack food and toys. Additional information may be found at


U.S. Bank Expands mPayment with Visa

U.S. Bank and Visa have partnered with DeviceFidelity, FIS and Monitise to launch contactless m-payment. With this, Customers can wave their phone in front of a Visa “payWave” contactless payment terminal in order to pay. U.S. Bank is one of the first major card issuers in the United States to pilot this landmark technology as employees in multiple states will begin testing this month. Issued by U.S. Bank, a DeviceFidelity “In2Pay” microSD is inserted in the customer’s mobile phone or within a specially-designed iPhone case (In2Pay iCaisse) which conforms to the industry standard for memory cards; fits into the memory card slot found in many existing mobile devices; is password protected; and uses security technology to uniquely identify each contactless transaction. Visa and DeviceFidelity recently introduced the patent-pending In2Pay microSD based mobile contactless technology and the associated In2Pay iCaisse solution. FIS and Monitise developed the application that enables customers to make mobile purchases and access account information as part of the U.S. Bank pilot.


PayFlex Names MasterCard Health Card Provider

PayFlex Systems USA employee benefit programs announced MasterCard Worldwide will be the preferred payment card provider for its “PayFlex HealthHub.” Offering a website that links healthcare, financial and wellness information with a single prepaid or debit card and customer call center at a central destination, PayFlex will facilitate its more than $1 billion in transactions annually for nearly one million participants nationwide with the “PayFlex HealthHub.” By extending its relationship with MasterCard, PayFlex will continue to provide a single, convenient card for employees to pay for all qualified healthcare expenses, whether through flexible spending accounts (FSAs), health savings accounts (HSAs) or health reimbursement arrangements (HRAs). This will allow companies to increase spending account adoption and significantly enhance their incentive management programs.


CFSI Underbanked Solutions Exchange Expands

The Underbanked Solutions Exchange collaborative network of mid‐sized banks and credit unions created by the Center for Financial Services Innovation (CFSI) is meeting in San Jose, California. At this meeting, the Exchange welcomes its tenth participant, Redstone Federal Credit Union, and incorporates the first site visit. At this convening of the Underbanked Solutions Exchange, participating institutions will also hear and discuss comprehensive updates on product innovation inside participant organizations, get a first look at promising approaches to financial capability, benefit from new research on under‐documented Latino customers from Exchange co‐sponsor FIS, and meet Piggymojo, a new savings innovator in the underbanked space.


Chase Paymentech Launches 5th Annual Index

With the 2009 holiday season having indicated healthy growth, this season is projected to be just as-if not
more-healthy. Holiday online sales volume and transaction count both increased sharply in 2009, but the
average amount per sale declined just as it did in 2008. Overall, sales volume for the 2009 holiday season
was up 17% versus 2008 and transaction count was up 30% but average value was down an unanticipated 9%. This, according to the Chase “Paymentech Pulse Index,” is the culmination of millions of payment transactions data through 50 of the top U.S. retail Web sites according to Internet Retailer magazine. For the 2010 holiday season, Chase “Paymentech” will be deploying the fifth annual edition of the “Cyber Holiday Pulse Index,” which is updated every business day throughout the holiday period, from Nov. 4 through Jan. 6.


Zebra Launches e-Wristbands

Zebra Technologies automatic identification solutions has rolled out its “Z-Band Fun” and “Z-Band Splash” this week at the International Association of Amusement and Attractions (IAAPA) show. The economical bar coded wristbanding solutions are ideal for amusement parks, theme and water parks, sporting events, and concerts. The wristband’s on-demand printing capability promises to create a splash in the amusement and attraction market. This will allow cashless POS and increased spending per visitor; capture of guest preference information; attractions can use collected market data to market to guests; guest prioritization by using wristband floodcoated colors, graphics and bar codes to indicate which services a guest is eligible for and allow the business to offer benefits to preferred customers, such as shorter lines or free lockers or beverages.


Coulomb Launches MasterCard Contactless Payment

Coulomb Technologies electric vehicle (EV) charging station infrastructure unveiled the first ChargePoint Network charging station for electric plug-in vehicles that accepts MasterCard “PayPass” contactless payments. The two ChargePoint stations are part of the ChargePoint America program and allows EV drivers in the Bay Area to pay for parking and charging their electric cars quickly and conveniently by simply tapping their PayPass-enabled MasterCard card on a PayPass-equipped reader designed and developed by Uniform Industrial Corporation. Coulomb has shipped more than 850 ChargePoint stations worldwide and has installations in more than 14 Bay Area cities including San Francisco, San Jose and Walnut Creek, building on growing momentum to establish the Bay Area as an epicenter for electronic vehicle usage and infrastructure development. Coulomb Technologies’ ChargePoint stations will continue to accept their proprietary ChargePass contactless payment cards, along with MasterCard PayPass contactless payments, allowing users to tap their PayPass cards or devices on PayPass readers located directly on the charging stations.


Ariba Completes Asset Sales to Accenture

Ariba leading provider of collaborative business commerce solutions has completed the sale of its sourcing services and business process outsourcing (BPO) services assets to Accenture. Originally announced on October 6, the acquisition gives Accenture ownership of Ariba’s category expertise, sourcing process expertise and strategic sourcing execution resources. Ariba has retained its sourcing technology and the resources within its Global Services organization that are dedicated to software implementation, enablement and adoption. Ariba will continue to provide customers with services that help them maximize their use of Ariba’s solutions and the results that they deliver.


OTI Posts 91% Revenue Increase for 3Qs 2010 Y/Y

On Track Innovations contactless microprocessor-based smart card solutions announced 3Q/10 total revenues of $15.8 million, a $10.5 million drop from the year ago quarter. For the first 9 months of 2010, however, revenues totaled $43.6 million, a 91% increase compared to $22.8 million last year. Additionally, non GAAP operating expenses were $6 million compared to $ 6.1 million the year prior; GAAP operating expenses were $ $7 million vs $7.2 million last year; GAAP operating profit was $1.4 million compared to the $3.5million loss in 3Q/09; and revenues from licensing and transaction fees of $999,000, down from $1.8 million in the prior quarter. OTI designs, develops and markets secure contactless microprocessor-based smart card technology to address the needs of a wide variety of markets. OTI applications include product solutions for petroleum payment systems, homeland security solutions, electronic passports and IDs, payments, mass transit ticketing, parking and loyalty programs.

1Q/09: $ 8.4 million
2Q/09: $16.9 million
3Q/09: $26.3 million
4Q/09: $ 8.6 million
1Q/10: $14.4 million
2Q/10: $27.8 million
3Q/10: $15.8 million


LaserCard to Showcase Multi-Purpose ID Cards

LaserCard secure ID solutions is set to highlight its multi-technology smart card solutions at the 9th Annual Smart Card in Government: Identity, Security & Healthcare Conference to be held Nov. 16-19 in Washington, DC. The Company will showcase its innovative approach to integrating multiple ID technologies on a single ID card, addressing the expanding security and functional needs of government ID programs around the world. LaserCard Corporation’s booth is #207. The rapid expansion of government identity and security initiatives, including expanded government efforts to improve and implement secure electronic medical records, is driving innovation in identity applications ranging from Patient ID to e-government to border crossing.