FOM Field Rep Tool

ViaFone, Inc., a leading provider of mobile applications, announced that First of Omaha Merchant Processing, a wholly-owned subsidiary of First National Bank of Omaha and one of the nation’s leading credit card acquirers, has selected ViaFone OneBridge Mobile Server to mobilize its Goldmine sales force automation (SFA) system. With the ability to access updated information from anywhere at anytime, First of Omaha aims to boost the efficiency of its nationwide sales network, cut infrastructure costs, and improve on its already renown reputation for customer service.

The ViaFone solution extends First of Omaha’s existing Goldmine SFA system so that field reps can access sales pipeline and customer information anytime, anywhere through any Web browser. Future plans include access to the application via WAP phones.

ViaFone OneBridge Mobile Server also provides First of Omaha industrial-strength security for the financial services industry, such as “demilitarized zone” (DMZ) and Secure Socket Layer (SSL) support. In order to protect valuable corporate data, many corporations deploy two firewalls. The first, an external firewall that the company’s Web servers sit behind, provides a “demilitarized zone” between another firewall which provides an additional layer of security for corporate back-end servers. ViaFone’s solution is able to work within this system to deliver the most critical customer information intact without compromising data security. When field representatives log in to update their daily call information, the mobile Goldmine application-powered by ViaFone and jointly implemented with Tailored Automation (see related release)-will synchronize any changes to provide the latest customer information for appropriate follow-up.

“ViaFone’s proven track record in financial services and their ability to meet our rigorous security requirements made them the ideal mobile sales solution provider for First of Omaha,” said Matt Minchow, senior vice president of First of Omaha Merchant Processing. “Extending our existing SFA system enables our sales force to update their account information in real time and offline scenarios. ViaFone understands the needs of mobile sales representatives and the critical security requirements in the financial services industry, which makes OneBridge Mobile Server the ideal solution to mobilize our business processes.”

“Innovative businesses like First of Omaha are seeking to reap the rewards of mobility without retooling their existing IT infrastructure, said Russ McMeekin, CEO of ViaFone. “First of Omaha Merchant Processing is a respected leader in the credit card industry, and by taking advantage of their existing technology investments, they will be able to offer their sales reps a secure mobile sales solution to help them improve their sales reporting and keep customers apprised of the latest processing services. We are pleased to provide First of Omaha a mobile solution that serves as a critical part of their day-to-day operations and will grow to meet their future needs.”

About First of Omaha Merchant Processing

First of Omaha Merchant Processing is a premier global payment processor specializing in providing service to both the traditional and Internet direct marketing industry, as well as the traditional face-to-face card acceptance market. First of Omaha provides financial management and payment processing solutions for independent sales organizations, large and small retailers, restaurants, lodging merchants, petroleum marketers, associations/franchise groups and banks in both the business to consumer and business to business marketplaces. Processing transactions in 20 foreign currencies, First of Omaha offers international payment processing solutions for businesses worldwide.

Known for their superior customer service, First of Omaha specializes in providing clients the latest in card processing technologies. Through development of a diversified product line, First of Omaha has become a leader in the merchant processing industry, assisting clients in the reduction of chargebacks and fraud. First of Omaha is a wholly-owned subsidiary of First National Bank of Omaha and is one of the few remaining in-house bank processors. First National Bank of Omaha, founded in 1863, is the 32nd oldest nationally chartered bank in existence. First of Omaha’s Internet address is [][1].

About ViaFone

ViaFone is a leading provider of mobile enterprise applications that keep business moving in the field by bridging field sales and service employees and critical business systems, information and processes. ViaFone OneBridge delivers voice and wireless data applications across all devices, including PocketPC, Palm handhelds, RIM BlackBerry pagers and WAP and standard telephones. ViaFone solutions enable corporations to reduce operating costs, increase mobile employee productivity and increase the value and utilization of existing systems across the enterprise.

Founded in September 1999, ViaFone is based in Brisbane, Calif., with additional offices in Toronto, Atlanta and Paris. Privately held, ViaFone is backed by RedPoint Ventures, Draper Fisher Jurvetson, Partech International, RRE Ventures, Pequot Capital Management, Clarity Capital, Bell Mobility (subsidiary of Bell Canada), EDS, Samsung, Angel Investors, L.P. and others. To learn more about ViaFone’s innovative solutions, please visit [][2] or call 1-800-361-0061 in the U.S. and +33-1-53-65-65-53 in Europe.



iDine 2002

iDine Rewards Network projected yesterday that it will see a 25% increase in revenues this year and will return to profitability. The company offers its members a variety of dining savings and rewards programs at more than 7,500 restaurants throughout the USA via a registered credit card. iDine said Monday that it has added 400,000 accounts so far this year for a total of 8.2 million. Among these accounts, the active member segment, a member who has had a financial transaction during the last 12 months, has grown to moe than 1.3 million active members. Between Sept 2000 and Sept 2001, the company soared from 3.2 million to 6.7 million gross accounts. The rapid growth was fueled by gaining direct contact with airline partners on January 1, 2001. The airline program has produced more than four million new accounts. For the fourth quarter, iDine posted more than $50 million in dining sales, the largest quarter in its history. The Company presently has about 11 million credit cards registered through enrolled accounts. iDine was formerly know as Transmedia Network. For details on iDine’s 4Q/01 performance visit CardData ([][1]).



VISA Bounty

ICBA Bancard reported last week that it awarded more than $270,000 to community banks as part of a VISA credit card account acquisition incentive program. Participating banks were awarded monetarily for every new VISA account opened between July 1 and Nov 30, 2001, and for submitting a marketing plan. A cruise package was also awarded to State Bank of Cross Plains in Wisconsin in a random drawing. ICBA Bancard says First Interstate Bank of Billings, Montana opened nearly 2,000 new accounts during the promotion period with an increase in balance outstandings of $1.4 million. ICBA Bancard, which works with 2,000 community banks, will launch its second credit card incentive this spring.


Fiserv Promotes Hirsch

Fiserv, Inc. announced that Tom Hirsch has been promoted to Senior Vice President – Corporate Finance. In addition, Hirsch will continue to serve as Controller for the Company. He previously served as Vice President – Corporate Finance and Controller.

“Tom has made many contributions to our organization through the years and I’m pleased to announce his promotion to Senior Vice President of Corporate Finance,” said Kenneth R. Jensen, Senior Executive Vice President and Chief Financial Officer of Fiserv, Inc. “In this position, Tom will have the opportunity to continue to apply his skills and experience, and we look forward to his ongoing contributions to the success of Fiserv.”

Hirsch joined Fiserv in 1994 as Assistant Controller for a Fiserv division. In 1996, he was named Corporate Assistant Controller; in 1997, Corporate Vice President; and in 1999, Corporate Controller. Prior to joining Fiserv, Hirsch worked for Deloitte & Touche as Audit Manager.

Hirsch is an Accounting and Finance graduate of the University of Wisconsin – Madison.

Fiserv, Inc. (Nasdaq: FISV) is an independent, full-service provider of integrated data processing and information management systems to the financial industry. As a leading technology resource, Fiserv serves more than 13,000 financial service providers worldwide, including banks, broker-dealers, credit unions, financial planners/investment advisers, insurance companies and agents, mortgage banks and savings institutions. Headquartered in Brookfield, Wisconsin, Fiserv also can be found on the Internet at [][1].



Concord Full Falcon

HNC Software Inc., a leading provider of high-end analytics and decision management software, announced that Concord EFS Inc. has expanded its relationship with HNC by selecting Falcon Fraud Manager for Debit Cards to detect fraud on its integrated signature debit card processing platform.

The agreement expands Concord’s use of HNC’s fraud detection software by awarding HNC the remaining portion of Concord’s signature debit card processing portfolio as platform integration occurs — replacing the current system — and designates Falcon Fraud Manager for Debit Cards as the company’s preferred fraud detection solution.

By selecting HNC’s debit fraud detection software, Concord can increase consistency across its card processing service. With the unification of the STAR, MAC, and Cash Station networks into STAR and the completion of uniform operating rules and pricing to its participants, the decision to offer Falcon Fraud Manager as the preferred fraud detection solution brings the organization one step closer to the completion of its integration.

“Selecting Falcon Fraud Manager For Debit Cards is an important component of Concord’s tools for managing risk offered through network services,” said Ronald V. Congemi, president of Concord’s Network Services division. “As we integrate our processing platforms, an additional step is to unify services available to customers for increased efficiency while maintaining outstanding fraud detection.”

Falcon Fraud Manager For Debit Cards utilizes neural network technology to predict the likelihood that a signature -based transaction is fraudulent. The risk-assessment score enables issuers to prioritize their investigative resources, focusing on transactions with the highest probability of fraud. “HNC’s advanced scientific capabilities can provide industry-leading companies like Concord the ability to make critical, split-second decisions,” said Steve Platt, vice president of HNC’s risk suite of financial products. “We expect to increase our market share of the debit card industry in North America as HNC continues offering technology solutions competitors are unable to provide.” HNC is a leading provider of high-end analytic and decision management software that enables global companies to manage customer interactions by converting data and business experiences into real-time recommendations. HNC Software empowers Global 2000 companies in the financial services, insurance, telecommunications, health care, and other industries and governments to make millions of the right mission-critical customer decisions, and take action in real time, substantially improving financial performance, reducing costs and decreasing risk. For more information, visit [][1].

Concord is a leading vertically integrated electronic transaction processor, providing transaction authorization, data capture, settlement and funds transfer services to financial institutions, supermarkets, petroleum retailers, convenience stores, restaurants, and other independent retailers. Concord’s primary activities include Network Services, providing ATM driving, PIN-secured and signature debit card processing, deposit risk management, and STAR(SM) network access to the financial services industry; and Payment Services, providing credit, debit, check authorization, and electronic benefits transfer processing services to selected retail segments. Concord news releases, links to SEC filings, and other information are available on its corporate Web site at [][2].



ECHO Settlement

Electronic Clearing House reported Monday afternoon that it has settled all claims from litigation with Premiere Lifestyles International Corporation. While the company made no admission of liability, ECHO agreed to make a one-time cash payment of $1.2 million to Premiere and sign a $1.3 million 15-year promissory note secured by the Company’s office building in favor of Premiere. ECHO says it made the settlement to avoid the potentially large legal costs connected with any appeal to a higher court. ECHO reported a $93,000 net loss for the fourth quarter partly due to $300,000+ in litigation expense related to the Premiere lawsuit.


Triple DES

Diebold is going to triple DES encryption and is offering new encrypting pin pad solutions for use in its ATMs worldwide. Triple DES protects PINs during ATM transactions. Diebold is also adding the ability to remotely load DES keys into the encrypting pin pad using the banks existing ATM driving software. This capability, known as remote key transport, eliminates the need for personnel to visit each machine to manually load DES keys. Remote key transport uses public key cryptography to protect the keys during transmission from the host to the ATM. It also supports digital certificates, provided by Digital Signature Trust of Salt Lake City, to authenticate the host and the ATM to one another, and to protect against unauthorized computers from gaining access to the DES keys. This is the first time public key cryptography and digital certificates have been used together to simplify DES key loading while providing a high degree of security.



Baltimore Technologies announced that BBS, the
market-leading provider of payment infrastructures and services to the
Norwegian banks, has chosen Baltimore to provide a comprehensive security
solution to enable online trusted transactions, such as payments and
information processing, for banks, businesses, and private individuals
throughout the Nordic region.

The solution will utilize Baltimore’s award-winning security products UniCERT,
KeyTools security toolkits, and Baltimore’s Professional Services to deliver a
complete solution to BBS. The license and service revenue will be
recognized as
the solution is delivered over the next six months.

The major Norwegian banks and the Banking Associations have established BankID
as a national Public Key Infrastructure (PKI) infrastructure for the banking
and finance industry in Norway. BankID will be a common security system for
Norwegian banks and the long-term goal is to establish BankID as the preferred
electronic ID in Norway. The system will be operated by BBS on behalf of the
banks and will be initially implemented and marketed by five leading banks in

“We have selected Baltimore because they clearly demonstrated an understanding
of our requirements and were able to provide a complete solution for this
mission critical system,” said 0yvind Apelland, Senior VP Trusted Services
“This is a project of strategic importance and strongly positions the
banks to provide trusted services. We are confident that Baltimore has the
technology and services to deliver.”
BankID will provide a national solution to the problem of providing widely
accepted trusted online transactions and a common banking solution to secure
all Internet communication.

The BankID Central Infrastructure covers all the necessary components to
receive and process certificate orders. This UniCERT-based certificate
authority system provides the necessary components to receive and process
requests for digital certificates. By building a central public-key
infrastructure, individual banks can easily issue and manage BankID
certificates to customers allowing them to sign and authenticate multiple
transactions though the Norwegian banking network using the same certificate.
“This transaction is an important milestone in confirming our outstanding
product competitiveness and the exceptional depth of our professional services
in security technology. Today, our uncompromising focus on our customers’
competitiveness will redefine our engagement with existing and new customers,”
said Bijan Khezri, Chief Executive Officer of Baltimore Technologies “The
Nordic region in general and BBS in particular have a strong track record of
technology leadership. This project will become a global reference for how
technology is critical to building industrial competitive advantage. We are
delighted to be participating in this project.”

About BBS

BBS – The Norwegian Banks Payment Services Company – is the market leading
provider of payment services to the Norwegian banks. BBS’ mission is to enable
banks, companies and private individuals to make and receive payments
efficiently and securely. BBS is owned by the Norwegian banks. The company’s
operations are divided into four product lines; Card services, Giro services,
Interbank services and Trusted services. BBS is presently involved in major
projects aimed at developing and launching leading-edge solutions for payments
and information processing through the Internet, and to establish market
leading trusted services for e-business based on digital certificates and
technology from Baltimore Technologies.

About Baltimore Technologies

Baltimore Technologies develops and markets security products and services to
enable companies to develop trusted, secure systems for e-business, the
Internet and mobile commerce. Its products include a wide range of Public Key
Infrastructure (PKI) products and services, wireless e-security solutions,
cryptographic toolkits, access control & authorization, content security
(MIMEsweeper products) security applications and hardware cryptographic
devices. Baltimore’s global professional services organization offers a wide
variety of consulting, training and deployment support to its customers
worldwide. Baltimore Technologies markets and sells its solutions worldwide
directly and through the TrustedWorld channel program. TrustedWorld includes
many of the world’s leading technology companies and a wide variety of global,
regional and local business partners.


PayPoint Signs BP

Streamlining and upgrading its payment processing, BP has chosen Los Angeles-based PayPoint Electronic Payment Systems as payment processor for BP’s U.S. network of 15,000 BP, Amoco, and ARCO service stations. The move will give BP a more efficient payment processing operation while exposing it to PayPoint’s payment processing expertise, especially in the increasingly popular PIN-based debit card arena. PayPoint, which processes payments in the gasoline, grocery, and specialty retail industries, will see its processing volume increase 50 percent.

Created in 1984 to help ARCO launch PIN-based card payments at the island, PayPoint added non-petroleum clients in the 1990s while continuing to process payments for parent ARCO. After BP acquired ARCO in 2000, BP had separate payment processing entities for its BP, Amoco, and ARCO retail sites. BP and Amoco payment processing have been done internally in Tulsa through an outsourced data processor.

“We needed to consolidate our BP, Amoco, and ARCO payment processing networks into one more effective network while maintaining a high level of service,” says BP manager of retail site infrastructure Bill Tait. “We were looking for one quality environment run by a professional payment processing specialist. When we analyzed it, PayPoint was the obvious choice.”

PayPoint, Tait says, has the expertise to quickly and economically merge the three payment processing systems into one without changing anything at BP’s retail sites. “By simplifying our payment processing we are improving our capabilities without increasing our costs,” says Tait. “We think payment processing will evolve in the coming decade, with more payment offerings, different security issues, and new bank settlement requirements,” he added.

PayPoint president Mark Blincoe says winning BP’s business is another big step in PayPoint’s continuous growth. “We’re also excited about introducing pay-at-the-pump PIN-based debit to a large merchant in new geographic areas. Adding BP’s business boosts us from 1 billion to 1.5 billion transactions per year,” says Blincoe.

To consolidate BP, Amoco, and ARCO into one PayPoint payment system, PayPoint has launched a 12 month “card authorization project.” PayPoint will add links to eight new varieties of BP/Amoco point-of-sale (POS) terminal platforms, while also adding links with new proprietary card and fleet card providers. The move to PayPoint will not impact dealers and jobbers.

BP p.l.c. (NYSE: BP) has 15,000 retail sites in 37 states, ranking second in U.S. gasoline market share. Its BP and Amoco stations in the East, Midwest and South offer a variety of credit and fleet card payment options. In early 2001, BP launched its global “BP Connect” rebrand/store-of-the future program. The new retail sites feature a new global BP design, solar panel canopies, and web-enabled pumps for accessing travel information and news. Inside, there are internet-enabled kiosks for accessing travel information. BP also operates nearly 1,800 ARCO retail outlets and ampm convenience stores in six states in the Western United States.

PayPoint, one of the largest processors of PIN-based debit, is a leading national electronic payment processor. PayPoint has added supermarket/grocer, quick service restaurant, convenience store and specialty retailer clients while introducing several payment products like credit, gift card, check, electronic benefits transfer (EBT), proprietary card, fleet card, and e-commerce processing.



Samsung Electro-Mechanics, a global leader in communications and information
technologies, and Wave Systems Corp., a developer of hardware solutions and
services for secure computing and trusted digital relationships, are
demonstrating a next-generation secure PC keyboard at the CeBIT 2002 trade
March 13-20 in Hannover, Germany.

Demonstrations using a Samsung keyboard and integrated Wave technologies will
be held at the Samsung Electro-Mechanics Booth 44, Hall 21, during the show.
Wave Systems is the developer of the EMBASSY(R) Trust System, for secure
e-commerce and trusted digital exchange, and the EMBASSY(R) 2100 secure
e-commerce chip. EMBASSY chips may be embedded in such products as computer
keyboards, smart card readers, and other computer components. When the EMBASSY
system secures a device such as a personal computer, personal information such
as credit card numbers, PIN numbers, and other end user secrets are protected
from theft.

At CeBIT, Wave will demonstrate the integration of EMBASSY technology into a
Samsung keyboard, which is suitable for use in any personal computer system,
either as original equipment or as a replacement for an older system. EMBASSY
technology is embedded into a smart card reader integrated into a Samsung
keyboard. This EMBASSY-enabled keyboard can provide a PC user with
general-purpose security that supports all authentication and content
protection systems.

“Around the world consumers are beginning to demand a more secure Internet
experience,” said Moonho Yeom, General Sales & Marketing Manager of Samsung
Electro-Mechanics. “A secure keyboard can be manufactured to be cost
competitive with today’s keyboards, while delivering more protection of
personal and financial information.”

“Wave is aggressively moving to be a leader in supporting European secure
E-commerce specifications and standards,” said Bruno Leconte, Wave vice
president, European Operations. “Wave’s EMBASSY enabled keyboard, as
manufactured by Samsung Electro-Mechanics, is superior to competitive offers
today, which tend to not be compliant with FINREAD specifications, or to be
closed systems and not interoperable. We believe a solution as manufactured by
Samsung Electro-Mechanics offers the programmability, open architecture and
security features demanded by the PC OEMs.”

About Samsung Electro-Mechanics:

Since 1973, Samsung Electro-Mechanics, one of the affiliate companies of
Samsung, has been developing and delivering the parts and components the
electronics industry depends on. And, along the way, we’ve secured the
technological and competitive edge to emerge as a world-class generic
electronic component maker at the dawn of the digital millennium. Starting out
as a producer of audio and video components, we diversified into the materials
and computer components fields in 1980s, focusing on computer peripherals,
multi-layer circuit boards, chip components, optical devices, and mobile
communications components, and other cutting-edge products throughout the
1990s. We leveraged our substantial expertise in high frequency, software,
engineering, and manufacturing technologies to begin a major advance into the
Internet product and digital components fields late in the decade. As a
we’ll wrap up 2000 with sales of over US$3.8 billion as we continue to
our position as one of the world’s leading general electronic component
For more information, visit

About Wave Systems Corp:

Wave Systems’ goal is to build a worldwide network of users based on trusted
electronic relationships. Trust @ the Edge defines a new architectural model
for the Internet, which embeds trust and security in every user device. Wave
Systems is developing, deploying and licensing its EMBASSY Trusted Client
technology for the mass adoption of this revolutionary model. Wave is
integrating industry standard functions from a wide range of partners that
enable reliable, secure digital exchange and commerce. Wave Systems and third
parties are building the services that will take advantage of this open model.
For more information about Wave Systems and Trust @ the Edge, visit


Concord – BofA

Bank of America has signed a long-term participation contract with the STAR network to accept BofA debit cards at its more than 198,000 ATMs across the country. Concord EFS, the network’s owner, says the agreement also calls for Bank of America to place its ATMs in 17 states into the STAR network. The contract, announced this morning, is an extension of a previous relationship between Bank of America and Concord. The bank currently uses Concord’s ATM processing services for approximately 1,100 ATMs deployed in retail locations. The new contract extends the agreement for the use of Concord’s processing services. Bank of America advised Concord in August that although it will continue to use Concord’s processing services, it does not plan to continue its participation in the “STAR” network. BofA was the only sizeable owner of Star Systems that did not sign a long-term network participation contract with Concord when STAR was acquired by Concord in February. BofA expects to begin placing the STAR mark on its cards and ATMs later this month. STAR processed approximately 5.5 billion transactions in 2001 via 6,230 participating financial institutions. (CF Library 8/30/01)


ERG 2001

Perth-based ERG Ltd reported a net loss of $US103.5 million for the second
half of 2001 compared to a net profit of $8.4 million for the year ago period.
The loss was attributable to an US$80.7 million write-down in the asset values
of license deals with smaller companies. The smart card company reported
revenues in the six month period totalled $US70.8 million, compared to $US95.6
million for the corresponding period in 2000. ERG’s balance sheet shows total
assets of $US354.0 million at year-end 2001, compared with $US382.1 million at
year-end 2000.