CELSIUS FOR WAVE ME

INSIDE Contactless and Mobile Distillery announced they have formed a
unique industry partnership to create a new NFC mobile application
development platform. Intending to boost the development of NFC
applications for the “Wave-Me” NFC services platform, INSIDE Contactless
and Mobile Distillery will make it easier for software makers to write
applications once and deploy them across a broad range of NFC-enabled
handsets with “Celsius for Wave-Me.” The new NFC mobile application
development platform combines Mobile Distillery’s “Celsius” mobile
application production framework with INSIDE Contactless’ “Wave-Me”
Service Engine and includes integrated connectivity to INSIDE’s
“MicroRead” NFC chip and software. “Celsius for Wave-Me” is designed to
help mobile network operators who want to begin providing easy access to
services but who are reluctant to wait until the deployment of
NFC-enabled handsets fully ramps up. In doing so, it allows developers
to adapt their source code at compilation time to create applications.

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FICO Score Trends Service v2.0 is Introduced

Credit analytics provider FICO has launched “FICO Score Trends Service v2.0” to help lenders assess risk in the banking, auto finance and mortgage industries. “FICO Score Trends Service v2.0” aids lenders in their migration efforts to FICO® 8 score, the most predictive FICO score to date, by adding the new FICO 8 score to prior FICO score data; gives lenders industry-specific insight through the inclusion of the FICO Bankcard Score, FICO Mortgage Score and FICO Auto Score; paints a more detailed picture of regional trends by adding state-level and standard MSA segmentations. allows lenders to review consumer performance by earlier and later stages of risk with the addition of 60+ day default and charge-off data to the existing 90+ day default information and provides the “FICO Odds Shift Impact Report” that captures movement in bad rate or odds at a given score from prior time period to current, granting lenders a unique view into how scores are currently performing at particular score cutoffs. “FICO Score Trend Service v2.0” is available as a subscription software package with the ability to produce over 15,000 credit risk reports from a massive store of consumer credit information.

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VIRGIN & GEMALTO

Gemalto digital security has secured a two-year exclusive agreement to
supply Virgin Media Mobile Virtual Network Operator with SIM cards and
its “LinqUs” Device Management solution. To its more than three million
customers, Virgin Media Mobile can now offer secure access to
value-added services while “LinqUs” ensures service access to users
across all handsets. The Gemalto solution facilitates access to the
operator’s web portal and makes new services easily available.
“LinqUs” enables automatic remote configuration of mobile data
applications in handsets so Virgin Media’s mobile customers will receive
the correct configuration settings to suit their mobile phone model
simply by accepting the update upon handset activation.

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iCarte 110 Paves the Way for NFC/RFID Payments

Canada-based Wireless Dynamics has rolled-out the “iCarte 110” a NFC and RFID reader/writer to provide NFC two way communications and
RFID read/write and contactless payment capability for iPhones. The “iCarte” also contains an embedded smart-chip which can be configured as debit, credit, pre-paid and loyalty cards turning the iPhone into an electronic wallet. The new “iCarte” works with iPhone 3G and 3GS with OS version 3.0 or higher and has a mini-USB connector that can be used to charge the iPhone and sync with iTunes. Wireless Dynamics says the new “iCarte” is ideal for iPhone users who want to use their iPhone for fast and secure contactless payments, transit payments, loyalty rewards, checking balances, top-up pre-paid credit, discovering new services from smart posters or kiosks and exchanging information with other NFC phones.

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TRAVELEX CASH PASSPORT

Travelex has announced its 100th global corporate prepaid program with
its “partnership with passports” educational travel tour provider. With
this, the “Travelex Cash Passport” prepaid MasterCard can be used for
business expenses to provide their traveling employees with funds for
expenses incurred during trips. Passports will also use the cards to
provide their contracted tour guides with funds for tour expenses. The
“Travelex Cash Passport” Mastercard acts as an alternative to carrying
cash; gives passports greater flexibility and control over funds and it
is the first business expense program from Travelex to launch in the
United States. It also gives individuals and companies the ability to
manage foreign exchange expenses to secure the best exchange rates and
control spend on overseas currency with secure, online management with
reporting.

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Sears and Kmart Unveil ShopYourWay Rewards

Sears and Kmart have rolled-out their new “ShopYourWay Rewards” program that offers customers a new way to shop and accumulate rewards. “ShopYourWay Rewards” allows customers to earn rewards toward purchases regardless of their method of payment – cash or credit. The rewards are issued within 48 hours of earning and there is no threshold that needs to be met in order to receive rewards. The rewards are stored on the “ShopYourWay Rewards” Card and members can redeem rewards where and how they desire. Customers will receive a “ShopYourWay Rewards” card immediately when they enroll in a Kmart store and receive their card via mail when they enroll online. Each time a customer shows their “ShopYourWay Rewards” card with a purchase, card holders will earn 1% in rewards as well and are eligible for storewide bonus rewards – K’ching Surprises at Kmart, and Craftsman Club and KidVantage rewards at Sears. Customers will earn 1% in “ShopYourWay Rewards” plus bonus reward offers in apparel. Customers who sign up for KidVantage will continue to get 15 percent off after they reach $100 in purchases and Craftsman Club members who sign up for Craftsman Club Rewards will see bonus rewards added to their “ShopYourWay Rewards” and will receive coupons via e-mail.

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I-CARTE 110

Alberta-based Wireless Dynamics has rolled-out the “iCarte 110” a NFC and RFID reader/writer to provide NFC two way communications and
RFID read/write and contactless payment capability for iPhones. The “iCarte” also contains an embedded smart-chip which can be configured as debit, credit, pre-paid and loyalty cards turning the iPhone into an electronic wallet. The new “iCarte” works with iPhone 3G and 3GS with OS version 3.0 or higher and has a mini-USB connector that can be used to charge the iPhone and sync with iTunes. Wireless Dynamics says the new “iCarte” is ideal for iPhone users who want to use their iPhone for fast and secure contactless payments, transit payments, loyalty rewards, checking balances, top-up pre-paid credit, discovering new services from smart posters or kiosks and exchanging information with other NFC phones.

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Bancorp Bank to Offer InsurCard Prepaid Visa

The Bancorp Bank Payment Solutions Group has partnered with NJ-based Franklin
Mutual Insurance to offer “The InsurCard Visa Prepaid Card” for quick access to insurance claims
funds. The program offers
policyholders immediate access to insurance claims funds and can be used
to make purchases wherever Visa debit cards are accepted. Field adjusters will carry a supply of payment cards as they assess
damage. These cards are inactive and have no value until authorized by
the insurer. Upon arrival, adjusters will make an initial claim
evaluation and the cards will be loaded with the appropriate value by
the adjuster either by phone or an internet connection. Once activated,
InsurCard enables access to critical needs such as food, shelter and
emergency repairs. As the recovery process continues, the card can be
reloaded to pay for additional living expenses and permanent repairs. Policyholders
can obtain account balance and transaction information 24-hours a day as
well as access to thousands of ATMs worldwide.

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SEPT LEI

The Conference Board Leading Economic Index (LEI) for Germany increased
for the 6th consecutive month by 1.2% while The Conference Board
Coincident Economic Index (CEI) increased 0.2% in September. With the
1.2% increase, the Conference Board LEI for Germany now stands at 91.4
(2004=100), which increased 1.6% in August and increased 0.9% in July.
Meanwhile, the CEI now stands at 102.0 (2004=100), which decreased 0.1%
in August and remained unchanged in July. LEI results for the month were
attributed to positive gains in six of the seven components in The
Conference Board LEI, including consumer confidence, the yield spread,
new orders in investment goods industries, stock prices, inventory
change series and new residential construction orders while the gross
enterprises and properties income made the only negative contribution.

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BNP & OBERTHUR

BNP Paribas has selected Oberthur Technologies smart card solutions to
supply NFC Services Management Solution for its NFC mobile payment
service project in Nice, France. Starting in the spring of 2010 over
3,000 residents will be able to pay for public transport tickets and
obtain information on routes and timetables using NFC handsets, with
plans for similar services at local museums, cultural events and on
campus at the University of Nice Sophia Antipolis. Through Oberthur
Technologies’ “NFC Now” offering for banks and financial institutions,
customers are provided an integrated solution for secured remote
personalization, PIN management and EMV parameter updates. BNP Paribas
will offer NFC mobile payment services to its customers in the area,
which will allow them to pay for goods with their mobile phones.

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SANTANDER GEMALTO

Four million students are now using the university smart card Gemalto
digital security is developing for Santander Universities Global
Division of Banco Santander. This university smart card (USC) acts as an
identity credential in 200 universities around the world and is key to a
number of value added services including EMV payment, secure contactless
access to facilities as well as digital signature. The Gemalto
multi-application card verifies students’ identity and grants them
access to university premises such as libraries, dormitories and sport
facilities. Students also use the card for secure access to the campus
electronic networks, to pay in cafeterias, take out books from the
library, store grades and personal documents, pay for laundry and
photocopies and have the option to use it as a debit card. It may also
be used to access public transportation in major cities in Brazil,
Chile, Colombia, Mexico and Spain.

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LVR INFOKOM & HYPERCOM

LVR InfoKom, IT service provider for social organizations across the
North Rhine region has rolled out up to 230 Hypercom “medCompact”
e-Health terminals to support approximately 7,000 health care
professionals at 10 hospitals. The electronic health card (eGK) requires
the LVR InfoKom-operated system for the 10 hospitals integrate
decentralized points of transaction into a centrally driven KIS
architecture using terminal servers. With leading hospital information
systems provider NEXUS, LVR ensured the system would process both the
new electronic health cards and current health insurance cards; health
data was routed to the central primary system; and health card data
processing was done at the terminal server farm.

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