Catuity Adds 2 Execs

Catuity, Inc., a leading loyalty software provider, announced that it has made two key additions to its senior management team.

Walter Nirenberg, a seasoned new business development professional with financial services and e-commerce industry experience, has been named to a newly created position of Director of Business Development. In this position, he will have primary responsibility for the company’s activities in connection with its recently announced relationship with Visa U.S.A. As a result, Nirenberg will continue to be based in San Francisco, California. David A. Slavick, of Cincinnati, Ohio, a marketing professional with extensive knowledge of direct marketing, customer loyalty and CRM best practices, has also been named a Director of Business Development – Retail. In his position, Slavick will be responsible for nurturing relationships with key multi-lane/multi-channel retailers in the U.S. market and overall service delivery for Catuity’s real-time loyalty software applications.

Michael V. Howe, President and CEO of Catuity, made the announcement noting: “These two gentlemen bring skill sets to Catuity that will enable us to move aggressively forward in our target markets. Walter is key to our consulting and personal service commitment to Visa U.S.A., its smart loyalty program development initiative and its valued partners as they begin to roll out programs in 2002. David represents our commitment to bring value-added thinking to the programs we will be managing on our advanced technology platform, which includes multi-lane and multi-channel abilities.”

Nirenberg most recently was with Korn/Ferry International in San Francisco, as a principal in the Global Consumer Financial Services Practice. Prior to that he was a Vice President at Visa U.S.A., working in the business development-co-branding and loyalty area where he was responsible for new business development and relationship enhancement in the co-branded credit card market. He negotiated relationships with Mercedes Benz, Harley Davidson, Staples, BMG and many other high profile partnerships with a significant focus on consumer, Internet and small business deals. Prior to his affiliation with Visa, Nirenberg was Managing Director of New Business Development at EDS Electronic Commerce Division and was responsible for new business development activities in the credit card processing industry including consumer, commercial and co-branded card services, focusing on the top 50 banks in the U.S. He also held various positions over a 10-year career with Citicorp. He holds a BA degree from Clark University in Worcester, MA.

Slavick was most recently Director, Advertising Partnerships at PrivaCash, Inc., where he was responsible for new business development and marketing in support of this financial services company. He was responsible for advertising commitments integrated within the company’s pre-paid MasterCard product sold through retail and financial channels. Prior to that he was Group Account Director at Frequency Marketing, Inc., where he was charged with managing loyalty programs in support of leading edge companies’ efforts to increase profitable yield from best customers and previously had been Director, Retail Business Development at Harte-Hanks, Inc., the world’s largest and most sophisticated fully integrated direct marketing service provider. He also held a variety of executive positions at advertising agencies including Barkley Evergreen Partners and Liggett-Stashower, Inc.

He holds a MA in Communications and a BS in Advertising from the University of Illinois, Urbana – Champaign.

About Catuity

Catuity, Inc. ([][1]) is a leading provider of loyalty software systems. The Catuity software includes an integrated suite of applications that provide loyalty, ticketing, access control and membership. The Catuity Loyalty System is ubiquitous in that it can operate on any device, any card program and with any payment process, including stored value and gift cards, smart card and wireless applications. Catuity unites the brick-and-mortar retailer with the Internet to enable cross-sell capabilities with consistent brand imaging across all channels.



Retooled TRIAD

Fair, Isaac is releasing in January a new version of its credit card account management system which includes advanced decision engine functionality and an array of new features geared specifically for companies adjusting to the current recessionary economy. Core to ‘TRIAD v 7.0’ is the integration of ‘Fair, Isaac Decision System’ software which enables users to apply their own business rules, allowing ‘TRIAD’ to make automated account management decisions enterprise-wide for any business function across product lines and portfolios. ‘Decision System’ also gives ‘TRIAD’ the power to concurrently compute multiple scores that can be applied within each of the user’s critical decision areas. The new ‘TRIAD’ version also offers over 250 decision keys, a decision key library, selection of scorecard assignment keys, and batch authorizations. ‘TRIAD v7.0’ also offers management of multiple credit lines per account with as many as four separate credit lines tied to a single account.


Debit Card Incentive Package

Clarity Incentive Systems, Inc., the leading provider of payment card systems and integrated technologies, announced the introduction of complete, distinct product packages offering everything a company needs to set up debit card-based rewards programs. The packages Clarity Express & Clarity Express Plus, Clarity Options, and Clarity Custom were designed to meet the different needs of companies so they can ultimately create the most successful incentive programs for their businesses.

We have had great success implementing a wide range of Visa debit-card based rewards programs that utilize features from these packages, said Anil Aggarwal, CEO, Clarity Incentive Systems. With few solutions available that allow companies to easily implement an incentive program and see quick results, Clarity s off-the-shelf packages have everything a company needs to set up a program and begin motivating those people important to its business in order to increase sales, reduce attrition rates or simply improve business relationships.

The mainstay of each package is the first intelligent debit card platform designed specifically for the incentives industry. Clarity transformed this payment system by integrating the most comprehensive program administration and reporting tools, including communication, tracking and CRM capabilities.

Unlike traditional debit card programs, we have built intelligence into our solution that allows for tremendous administration, reporting and communications capabilities, continued Mr. Aggarwal. These technologies are helping companies implement more efficient, cost-effective incentive programs that enhance the acquisition, retention and loyalty of key constituents.

Every aspect of these packaged incentive programs can be supervised and modified in real-time. Clarity s team of dedicated incentive industry professionals is available to supervise the program and if necessary, help set-up the program so a company is guaranteed to get the results they want. Clarity s new packages include:

Clarity Express & Clarity Express Plus

Clarity Express and Clarity Express Plus were designed for companies who want to set up a debit card-based rewards program quickly. As part of the package, all program participants receive a reloadable rewards card that can be used wherever Visa is accepted. Program administrators choose from a selection of card designs and load money onto a card anytime they want to reward someone, such as an employee or customer.

These packages come complete with a full suite of online administration tools including communication capabilities and real-time reporting tools. These tools allow companies to monitor the success of a program and determine if modifications need to be made to the program.

Program participants can earn extra money shopping from leading retailers in the online marketplace; check up-to-date account information; donate money to participating charitable organizations and contact customer service representatives — all at [][1].

The Express Plus package also lets participating companies place a company logo or design on the card increasing the reward s trophy value. Additional features allow program participants to load money directly into their accounts with a credit card and send money to anyone enrolled in the program. Program administrators can also assign program managers to help administer the program, granting access to as many or as few of the administration features available.

Clarity Options Incentive Package

Incorporating all the same features of the Express and Express Plus packages, the Clarity Options Incentive Package lets businesses create an Incentive Program to meet their specific needs. Clarity works directly with companies to help them pick from an entire suite of product features that will ultimately make the program a success. This includes the creation of a customized Web site where participants can keep up-to-date on their account information and personalized cards both complete with the company branding. Companies can also utilize enhanced reporting features so they can monitor program results more efficiently and modify the program when needed. They also have the ability to create an unlimited number of incentive programs for their business, assign any number of program managers to help manage the programs, and send personalized messages every time a program participant is rewarded.

Clarity Custom Incentive Package

The ultimate Incentive Package, Clarity Custom is completely customizable from card design to program implementation. Complete with all the features available in the other packages, this program can be modified, adapted and personalized in order to create the most successful program for a business. Furthermore, Clarity s experienced technology team is ready to integrate all these features and technologies into businesses existing systems.

About Clarity

Founded in August 1999, Clarity Incentive Systems ([][2]) provides a full suite of payment and incentive technologies customized to help businesses enhance the acquisition, retention and loyalty of customers, employees and business partners. Through issuing and processing relationships with leading financial institutions, the Company combines Internet-enabled technologies with a proprietary payment platform that allows rewards to be redeemed through the Visa network. Investors in Clarity Incentive Systems include Espirito Santo Financial Group (NYSE: ESF) and Allfirst Financial. The Company is headquartered in New York City with an office in Lisbon, Portugal.




Australia’s Reserve Bank released a set of proposals this week to permit
non-financial institutions to issue credit cards, allow retailers to charge
different prices to customers paying by credit card, and reduce interchange
fees between banks for card transactions. The two-year review by the RBA
says the new rules will produce genuine competition in the lending markets,
particularly credit cards. The RBA cited the deregulation of the residential
mortgage market as an example of how competition would increase. Currently
credit card interest rates in Australia vary from 11% to 17.5%. The proposed
reform measures will apply to Bankcard, VISA, and MasterCard, which were
formally designated by the RBA as payment systems subject to its regulation in
April 2001. Designation was the first step to be taken before the Reserve
use its powers under the Payment Systems Act of 1998.


Fleet Adopts APTRA

FleetBoston Financial, a top-ten financial institution in the United States, will implement NCR Corporation’s Edge multivendor software architecture for its self-service channel starting in early 2002. This move enables the transition to browser-based automated teller machines. A deal inked between the two industry leaders includes a professional services contract to drive the technology transition.

NCR’s APTRA is uniquely positioned to enable remote system management in a customizable environment, regardless of the original hardware or software manufacturer. With this browser-based system, the ATM channel can offer enhanced functionality and a more personalized customer experience. The APTRA(TM) software family has helped position NCR as a global leader in providing multivendor self-service solutions based on the European Committee for Standardization (CEN) XFS software standard. The ATM channel was initially built on the proprietary OS/2 platform, which does not permit extensive functionality.

“Working together with NCR on this program enables us to utilize NCR’s global expertise in the ATM industry to our competitive advantage. With APTRA Edge, we will initiate a technology transition that uniquely provides Fleet customers with additional products and services at the ATM that were not possible with older, legacy systems,” said Nandita Bakhshi, executive vice president, Fleet Self Service/ATM Banking group.

Brad Lozier, vice president of NCR’s Financial Solutions division for the Americas region, said, “NCR is pleased to successfully integrate our APTRA software at Fleet. This platform has demonstrated its viability for resolving the multivendor challenge faced by many financial institutions after mergers and acquisitions. We look forward to continuing to work collaboratively with Fleet.”

About FleetBoston Financial

FleetBoston Financial is the seventh-largest financial holding company in the United States. A diversified financial services company with assets exceeding $200 billion, Fleet offers a comprehensive array of innovative financial solutions to 20 million customers in more than 20 countries and territories. Among the company’s key lines of business are: retail banking, with nearly 1,700 branches and more than 3,800 ATMs in the Northeast; corporate banking, including capital markets/investment banking and commercial finance; investment services, including nationwide brokerage; and full-service banking through more than 250 offices in Latin America. FleetBoston Financial is headquartered in Boston and listed on the New York Stock Exchange (NYSE: FBF) and the Boston Stock Exchange (BSE: FBF).

About NCR Corporation

NCR Corporation (NYSE: NCR) is a leader in providing Relationship Technology(TM) solutions to customers worldwide in the retail, financial, communications, manufacturing, travel and transportation, and insurance markets. NCR’s Relationship Technology solutions include privacy-enabled Teradata(R) warehouses and customer relationship management (CRM) applications, store automation and automated teller machines (ATMs). The company’s business solutions are built on the foundation of its long- established industry knowledge and consulting expertise, value-adding software, global customer support services, a complete line of consumable and media products, and leading edge hardware technology. NCR employs 32,900 in more than 100 countries, and is a component stock of the Standard & Poor’s 500 Index. More information about NCR and its solutions may be found at [][1].




Fincentric Corporation, a leading global
provider of wealth management and next generation banking software, announced
it has entered into a joint marketing agreement with SER Solutions,
Inc., the leading provider of knowledge-enabled software solutions. The two
companies have partnered to deliver solutions that provide Fincentric’s
i-Wealthview banking and wealth management systems with SER’s document
management solutions for financial institutions worldwide. The partnership
encompasses sales referrals, joint marketing and product integration.

Fincentric’s i-Wealthview Wealth Management System™ is an enterprise wealth
management solution that offers profitability analysis, complete retail
functionality and multi-channel support including wireless and Internet
capabilities. The Customer Value Management™ capabilities built into the
enable financial institutions to develop more profitable customer

SER’s SERsynergy is a comprehensive and flexible document management solution
designed to capture, store and retrieve customer documentation such as forms,
check images and signature cards. SERdistiller is revolutionary information
extraction software for unstructured and structured documents. It uses neural
network techniques to extract information from documents and manage contact
without programming or data entry.

Mike Cardiff, President and Chief Executive Officer of Fincentric Corporation
said, “Our Customer Value Management™ capabilities, integrated with SER’s
document management, create an extraordinarily compelling solution. Our ‘value
analysis’ of the commercial transactions, combined with SER’s capabilities for
the capture, storage, classification and retrieval of customer documentation,
enable financial institutions to attract, retain and grow their base of
profitable customers.”

Carl E. Mergele, CEO of SER Solution, Inc., said the agreement would help
provide greater service to its customers in the financial services industry.
“We certainly view this joint marketing agreement as a best-of-both-worlds
arrangement for our customers. Financial service providers (FSP’s) will get
top-line expertise in two areas critical to their success from two companies
that have proven their value to the industry. This creates a logical,
effective, one-stop solution for the challenges FSP’s are facing in today’s
business environment.”

About Fincentric

Fincentric is the leading developer of wealth management software solutions
the global banking industry. Fincentric’s i-Wealthview™ wealth management
software products include ‘next generation’ core banking, Customer Value
Management™, data aggregation, Internet & wireless financial portals and full
multi-channel support. Its revolutionary Customer Value Management™
capabilities provide profitability and relationship analysis that allow
financial institutions to recognize the value of each customer, and maximize
their profitability. Fincentric products enable financial institutions to
quickly deploy solutions for their converging financial service offerings,
while also supporting capabilities for increasing customer profitability,
customer acquisition, and retention. Fincentric has more than 300 customers
worldwide, and has strategic relationships with Microsoft, Compaq, and other
international partners. For more information, visit Fincentric’s home page at, or call (604) 278-6470.

About SER Solutions, Inc.

SER Solutions, Inc., headquartered in Herndon, Virginia, is leading the world
into The Knowledge Age. The company’s learning core technology, SERbrainware™,
analyzes, understands, and responds to information with human-like
intelligence, empowering people and businesses with the knowledge required to
make fast and informed decisions. This unique, invented technology forms the
foundation for SER’s award-winning knowledge-enabled software suite, including
SERdistiller™, SERiMail™, SERglobalbrain™, SERprocess™, SERsynergy™ and SER’s
Call Processing System™. Over 5,000 organizations worldwide use SER’s software
to maximize workplace productivity, improve business efficiency, and enhance
customer service. SER Solutions, Inc. is a wholly owned subsidiary of SER
Systems, Inc. Additional information on SER Solutions, Inc. is available at:


HNC & Acxiom

HNC Software Inc., a leading provider of high-end analytics and decision management software, and Acxiom Corp., a global leader in Customer Data Integration and customer recognition infrastructure, announced the development and joint marketing of a sophisticated customer-centric account management system that combines HNC’s Strategy Manager and Acxiom’s Solvitur4. The resulting system can provide companies in financial, insurance, communications and other consumer-oriented industries with a more effective tool to increase revenue and lower marketing and customer retention costs while maximizing customer profitability and satisfaction.

Strategy Manager provides a highly scalable architecture that implements customer management strategies to optimize marketing, account management and customer service. Solvitur4 provides companies with real-time recognition and a 360-degree view of customers and prospects across the enterprise to leverage existing sales and service applications and integrate data from existing data sources. Solvitur4’s scalable architecture is built on the foundation of Acxiom’s AbiliTec(TM), the industry leader in CDI.

The Strategy Manager and Solvitur4 integrated solution unites HNC’s advanced analytics and decision management expertise with Acxiom’s proven data integration, data management and processing capabilities.

“Customer Relationship Management systems have largely under-delivered on their promise to help companies intelligently choose the right offer for a customer at any given point in time. The combination of HNC’s and Acxiom’s proven expertise and technology can deliver on that promise. From a market perspective, this alliance makes a lot of sense because it brings together two industry leaders, and has the potential to help drive the next wave of solutions for truly optimizing the demand chain,” said Allen Bonde, CRM industry consultant and president of The Allen Bonde Group.

“We’re bringing together two very powerful capabilities from industry leaders to create a highly sophisticated customer management tool so companies can take action at the critical moment within a customer’s decision making process for improved customer relationship management,” explained John Mutch, CEO of HNC. “Our leading-edge technology will give companies a real CRM system that can enhance their revenue and improve customer targeting by becoming more effective in managing high-value relationships across all touchpoints, which is something traditional CRM tools have lacked the ability to do,” said Acxiom Company Leader Charles D. Morgan.

About HNC Software Inc.

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’s proven 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].

About Acxiom

Acxiom Corp., a global leader in Customer Data Integration (CDI) and customer recognition infrastructure, enables businesses to develop and deepen customer relationships by creating a single, accurate view of their customers across the enterprise. Acxiom achieves this by providing CDI software, database management services, and premier customer data content through its AbiliTec(TM), Solvitur(R) and InfoBase(R) products, while also offering a broad range of information technology outsourcing services. Founded in 1969, Acxiom (Nasdaq: ACXM) is based in Little Rock, Arkansas, with locations throughout the United States and with operations in the United Kingdom, France, Spain and Australia. Acxiom revenues were $1.01 billion for the fiscal year ended March 31, 2001. For more information, please visit [][2].




Amdocs the world’s leading provider of CRM, billing and order management
systems to the communications industry, announced today that it has extended
its customer care and billing solution at Orange Communications SA,
Switzerland, with the
implementation of Amdocs Commerce Server to manage mobile and e-commerce

Amdocs Commerce Server provides an online connection between merchant Web
and a communications providers’ customer database, to handle payment and
information mediation for mobile and e-commerce transactions.
Amdocs Commerce Server places advanced e-commerce capabilities directly into
the hands of the consumer. Amdocs allows Orange Switzerland subscribers to
conduct online sales transactions at Orange e-shops with their mobile phone or
PC with the convenience of a single bill via monthly Orange invoices or by
traditional credit card payment. Additionally, the Amdocs Commerce server
enables Orange Switzerland to build on trusted multiple vendor relationships
for its subscribers, providing secure and reliable access to a variety of
products. The functionality of the Amdocs Commerce Server allows Orange
Switzerland to enhance customer loyalty through value added services, driving
traffic to its e-shops, resulting in increased sales and revenue.

“The open architecture of the Amdocs solution allows Orange Switzerland to
offer mobile and e-commerce with a high degree of reliability and
said Andreas Waber, Head of Products and Services of Orange Communications SA,
Switzerland. “Orange Switzerland is committed to providing customers with
immediate access to multiple value-added services and convenient payment
options. Amdocs knows our business requirements and continues to work closely
with us as we seek new ways to help our customers make the transition to third
generation services.”

“Competition continues to be fierce in the mobile arena, and rapid time to
market for advanced services and applications is a critical component for
success,” said Paul Atkinson, Senior Vice President at Amdocs. “As an industry
leader, Orange Switzerland recognizes the market’s dynamic requirements and
importance of building trusted relationships with its customers. Amdocs is
pleased to be working with Orange Switzerland to extend its mobile and
e-commerce offerings and continues to venture toward the unlimited
possibilities of next generation services.”

About Amdocs Commerce Server

Amdocs Commerce Server provides on line payment authorization and charging
services. Communication providers can utilize it to provide their customers
convenience of having their commerce transactions securely charged to their
bill. The commerce server includes a flexible, powerful policy-based
tool, with which the communication provider can assign different credit
policies to its customers, based on their profiles. Customers themselves can
also control their e-commerce budget and preferences. The commerce server also
interacts with Credit Card systems and prepaid systems, provides e-wallet
services and supports micro-payments.

About Orange Communications SA, Switzerland

Orange Communications S.A. is owned by Orange SA/France Telecom (87.5 %),
Banque Cantonale Vaudoise (7.5 %) and Swissphone AG (5 %). On 29 May 1998,
Orange Communications S.A. obtained a licence to set up and operate a GSM 1800
MHz mobile communications network and in December 2000 Orange obtained one of
the three UMTS licence. Orange launched its GSM services on 29 June 1999.
Orange’s corporate vision is that wirefree services will become the preferred
personal communications tool for all communication needs. Our mission is to
become the leading provider of high quality wirefree communications
services to
the people of Switzerland. After more than two years since launch, Orange has
over 880,000 mobile customers.

About Amdocs

Amdocs is the world’s leading provider of CRM, billing and order management
systems to the communications industry. Amdocs has an unparalleled success
record in project delivery of its mission-critical products. With human
resources of more than 8,600 information systems professionals, Amdocs
a global customer base. In November 2001, Amdocs completed the acquisition of
all the assets of the Clarify business, a leading provider of Customer
Relationship Management (CRM) software to communications companies and other
enterprise sectors. For more information visit our Web site at


Experian CFO

Experian, a global information solutions provider, announced that it has appointed Paul Brooks as global chief financial officer. He will oversee the finance and administration functions of the company, including accounting, financial analysis, tax administration, insurance and facilities management. Brooks, most recently chief financial officer for Experian International in the United Kingdom, has relocated to Orange, California to assume his new role.

In addition, Brooks will manage the divisional finance and accounting officers of the business organizations within Experian North America, including marketing solutions, information solutions, e-commerce solutions and integrated solutions.

“We are very pleased that Paul has joined the Experian North America team,” said Craig T. Smith, chief executive officer of Experian North America. “He is a seasoned leader with demonstrated capabilities in the field of financial management who will make meaningful contributions to our businesses. Moreover, Paul assumes this role with an intimate understanding of our primary businesses.”

Brooks has held finance roles in several large international corporations. He was a chartered accountant with KPMG and worked for the Plastics Division of ICI plc in Brussels, Belgium and as ICI’s group corporate reporting manager in London. He spent five years with GKN plc’s Industrial Services Division and was divisional chief financial officer in the United States. Brooks also was the Inchcape Marketing Services finance director, based in Singapore.

Brooks is a graduate of Cambridge University with a degree in economics.

About Experian

Experian(R) enables organizations to find the best prospects and make fast, informed decisions to improve and personalize relationships with their customers. It does this by combining sophisticated and intelligent decision-making software and systems with some of the world’s most comprehensive databases of information on consumers, businesses, motor vehicles and property. Through multi-channel delivery of its Web-based products and services, Experian enables its clients to conduct secure and profitable e-business and develop state-of-the-art Customer Relationship Management (CRM) systems for communicating and building relationships with customers. Experian is a subsidiary of GUS plc and has headquarters in Nottingham, UK, and Orange, Calif. Its 12,000 people support clients in more than 50 countries. Annual sales are approximately $1.5 billion.

For more information, visit the company’s Web site at [][1].




OTI, announced
yesterday the opening of its new facilities covering an area of 4,000 square
meters at an investment of US$3.5 million on its existing site in Rosh Pina,
Israel. Mr. Ariel Sharon, Israel’s Prime Minister, was in attendance at the
opening ceremony held the evening of December 11 at the new building site.
The new building will support research and development, testing, and
manufacture of the company’s contactless microprocessor-based smart card
products, while the existing building will house the company’s global
management offices. OTI’s advanced security system, based on its patented
contactless microprocessor technology, was implemented in the new building.

system allows highly secure access control management including biometrics
authentication and was developed for a large variety of secured uses such as
airports terminals, governmental institutions, financial institutions and
secured buildings. The system was presented to and used by Prime Minister,
Ariel Sharon during his visit at OTI’s new facilities. Located in Israel’s
Z.H.R Galilee Industrial Park, an industrial zone in the north of Israel, all
of OTI’s facilities have been ISO 9001 certified.

The company was honored to welcome Prime Minister Ariel Sharon, who attended
the opening to recognize OTI’s success in Israel and around the world. ”OTI
a significant contribution to the Israeli industry and represents Israel’s
human capital strength. It is encouraging to hear that 98% of OTI’s sales are
outside of Israel. May there be many more companies such as OTI in the
industry” said Prime Minister of Israel, Mr. Ariel Sharon.

“The new facilities are a major expansion for the company,” said Oded Bashan,
President and CEO of OTI. “We now have the flexibility to adapt faster to the
needs of our customers and the market by designing and delivering the
high-quality products for which OTI is known worldwide”.

In the past year OTI has developed a series of innovative products, including
the Saturn Reader, capable of operating all ISO-standard contact and
contactless smart cards, and a SmartID sticker utilizing the EasyPark
system to
manage vehicle registration and parking permits already launched by the Tel
Aviv Municipality. The company expects to deliver new and innovative products
from the new facility in 2002.

About OTI

Established in 1990, OTI (On Track Innovations) designs and develops
contactless microprocessor-based smart card technology to address the needs
a wide variety of markets. Applications developed by OTI include product
solutions for mass transit, parking, gas management systems, loyalty schemes,
ID and secure campuses. OTI has regional offices in the US, Europe, Asia
Pacific, and Africa to market and support its products. The company was
the prestigious ESCAT Award for smart card innovation in both 1998 and 2000.


SCA Jewelers Card

Pavilion Jewelers has selected Shoppers Charge Accounts Co., a division of Hudson United Bank of Mahwah, N.J., to develop and administer its private label credit card program.

The Carrolton, Tex.-based Pavilion Jewelers operates three stores in the Dallas area.

SCA services brick-and-mortar and catalog retailers throughout the U.S. The company acquires retailers’ receivables or will develop private label credit programs for merchants who currently don’t offer a house charge. In both situations, SCA assumes responsibility for generating customers’ billing statements; managing credit, collection and lockbox functions; and creating customized marketing programs.

Ranked among the nation’s largest private label credit card companies, SCA is a division of Hudson United Bank, a subsidiary of Hudson United Bancorp (NYSE: HU).

Hudson United Bancorp is a $6.7 billion asset company with over 200 branch offices in New Jersey, Connecticut, New York and Pennsylvania. Hudson United Bancorp’s subsidiaries offer a full array of innovative products and services to commercial and retail accounts, including imaged checking accounts, 24-hour telephone and Internet banking, loans by phone, alternative investment products, insurance products, private label credit programs and a wide variety of commercial loans and services including asset based loans, SBA loans, international services and cash management services. Wealth management services are also provided to individuals and businesses. Public sector products and services are provided to local and state governments, municipalities, educational institutions, civic and not-for-profit organizations.



The partners in the Ducato project (Banksys, Groupement des Cartes Bancaires,
Europay International, Interpay Nederland NV, Proton World, Sermepa,
Sistema 4B
and Visa International) announced today the completion of project Ducato – the
first implementation of CEPS demonstrating international interoperability of
different CEPS-based e-purse technologies.
After the successful introduction of a 1st generation of ‘domestic’ e-purses,
interoperability and therefore standardisation agreements were required to
achieve international growth and deployment of smart card systems. For this
reason a group of leading smart card industry players developed and published
CEPS in 1999. CEPS standardises the underlying technology for an interoperable
electronic purse system and therefore reduces infrastructure costs. CEPS
leverages existing investments by making use of the banks’ current payments
infrastructure, rather than inventing a whole new system.

Today’s announcement of Ducato completion demonstrates that CEPS are robust,
reliable and ready for implementation by issuers and acquirers on an
international and an inter-technology basis, thus marking the “coming-of-age”
of CEPS.

Following publication of CEPS, a number of tasks, such as the establishment of
type approval procedures and the upgrading of international networks, network
simulators, terminal and host specifications and issuing systems needed to be
completed to enable the implementation of CEPS-based systems. Card and
manufacturers also needed to develop CEPS-based components that are
retro-compatible with existing e-purse technologies, to facilitate
migration to
CEPS-based systems.

Project Ducato was launched in September 2000. The project aimed to validate
CEPS-related technologies in a truly international environment with banking
organisations in various countries using international payments schemes,
demonstrating that all the participants have completed their share of the

The two CEPS-compatible smart card technologies used in the Ducato project are
Sermepa’s Advantis (applied by Sermepa and Groupement des Cartes Bancaires
“CB”) and Proton World’s Proton Prisma (applied by Banksys and Interpay).
Banksys and Interpay used C-ZAM/Smash terminals from Banksys for CEPS load and
payment transactions.
The Advantis multi-application technology from Sermepa enables EMV
and CEPS functionality in the same card. Those applications have been
officially validated by Visa International and Europay International.
Proton Prisma can be implemented on mono-application cards or
multiple-application cards (combining EMV credit/debit, e-purse, PKI-based
identification, contactless transport ticketing etc) Proton-based CEPS cards
can be branded Visa Cash or Clip.

Visa International is ready to process Visa Cash through VisaNet and Europay
International is ready to process Clip transactions through EPSNet.
The successful completion of Ducato means that CEPS is a mature standard that
is ready for implementation. Currently, CEPS is supported by organisations
over 30 countries, representing more than 90% of the world’s electronic purse
cards. Existing purse schemes can now look into CEPS migration.


Hervé Kergoat, Head of Prepaid products, Europay international:

“The DUCATO project is a crucial demonstration that standardisation has once
again proven its efficiency: CEPS allows for interoperability whatever the
technology supplier, the Brand or the network used in a domestic and
cross-border environment. CEPS is good as it stands and this is a key result.
Clip is thus fully ready for implementation as a perfect add-on to our Maestro
and MasterCard products.”
Yves Randoux, CEO of Groupement des Cartes Bancaires “CB” said: “By
participating in Ducato project, the aim of Groupement des Cartes Bancaires
to validate CEPS Specifications and technology, and to test interoperability
between countries and technologies: this has been successfully achieved.
Sharing a concrete experience with our partners has demonstrated that CEPS
provides the appropriate level of interoperability in order to be ready for
French E-purse migration as soon as French Banking Community takes the

Armand Linkens, Managing Director and CEO of Proton World, said “Proton World
has been from day one a committed supporter of the Ducato initiative. We are
very happy to demonstrate today that our purse technology is ready for
international interoperability and together with our partners in the project,
we can underwrite that CEPS is now an international standard ready to go live.
Our customers that choose to migrate to the CALC-based multi-application
platform Proton Prisma give their card holders access to a state-of-the-art
internationally interoperable purse application that may carry the brands Clip
or Visa Cash.

José Gabeiras, SERMEPA´s CEO said: “Ducato has demonstrated that CEPS is the
standard that will make possible the interoperability among different
electronic purse technologies, regardless of the brand. SERMEPA is
delighted to
offer to their owners and other card Issuers their proprietary technology
“Advantis”, which has been successfully validated all along the Ducato

The “Advantis” technology provides worldwide interoperability for all payment
applications, including EMV and CEPS. The “Advantis” technology also enables
complete freedom to use any combination of the payment applications both among
them and in combination with non-financial applications”.

Alfonso de la Viuda, Managing Director and CEO of Sistema 4B said: “The
contribution of experiences reached in the development of domestic electronic
purse from several entities, has permitted the achievement of the standard
CEPS. DUCATO as implementation project of the specifications, demonstrates
their viability and international interoperability inside the current
infrastructures of payment and on multiple several technological platforms.
DUCATO has allowed to have available the international channels (Europay
International and VISAInternational ) and open the settings to other entities
and provider’s solutions to implement it. Everything confirm CEPS as the
international electronic purse standard application on chip cards”
Jon Prideaux, Executive Vice President Visa EU said:
“Ducato is also an important milestone for Visa, it demonstrates that Visa’s
infrastructure is ready for Visa Cash CEPS roll-out. CEPS is part of Visa’s
EU’s €168M chip incentive program, so we have to meet the demand from our
Members who wish to introduce a Visa Cash application to their debit and
cards when migrating to EMV. This will enable Visa cardholders to use their
cards on all five continents where Visa Cash is present.”