ASK S.A., a world leader in dual interface contactless smart cards, announced
the ERG Group has selected them as the preferred supplier for transit
applications. ASK also announced the acquisition of the manufacturing assets
for the Venus contactless smart cards developed by Motorola, along with an
unrestricted production license, in a three-way transaction between ERG,
Motorola and ASK. Details of the transaction were not announced.

The realignment of strategy at Motorola and the ERG Group in the global
Automated Fare Collection market created this opportunity for us, said Bruno
Moreau, deputy general manager for ASK. We want to step in and take over
Motorola left off, and the first order of business is to put in place a stable
and reliable manufacturing capability for Venus smart card products. We are
optimistic that this will help us to better serve our current and future
clients, and it will stimulate the growth of the contactless smart card
industry as a whole.

The Venus technology is an operating system embedded on the chip of a smart
card. Like the other products of ASK, it is focused on high-speed contactless
smart card transactions for Automated Fare Collection applications in transit
systems. ERG transit projects such as San Francisco, Rome and Manchester
currently use the Venus technology.

ASK will continue to manufacture and market its existing line of contactless
card products for transit. The company will also capitalize on their know-how
to create a new generation Venus card that provides a migration path going
forward for customers using this technology.

To complete this transaction, the ERG Group acquired a license to Motorola s
Venus platform smart card technology along with the plant and equipment needed
for the manufacture of Venus smart cards. ERG in turn sold the manufacturing
plant and equipment to ASK and granted ASK a non-exclusive sublicense to the
Venus technology.

About ASK S.A.

Founded in 1997, ASK is today a world leader in the design, development,
marketing and manufacturing of dual interface contactless smart cards. The
international smart card community recently recognized the company s unique
contactless paper technology for disposable ticketing at the Cartes 2001 card
show in Paris, when ASK won two prestigious 2001 SESAME awards — Best
Application and Best Transport Application. ASK has already supplied more
7 million contactless cards and paper contactless tickets that are in
in more than 35 cities in Europe, Asia and America. Clients include SNCF and
RATP in Paris; transit operators in Lisbon, Lyon, Venice, Naples, Taipei and
Nice; and BMS, a project in France sponsored jointly by the financial services
and transport industries. The ASK manufacturing and personalization
are near Nice in Sophia Antipolis, France with commercial offices in Paris and
Hong Kong.


Cardservice International has created a dedicated Web site — called — to provide its merchants with easy and fast access to their merchant account information. By logging on to, merchants can obtain such information as transaction activity, retrieval information, chargeback activity and monthly statements.

This online site will complement Cardservice International’s existing customer service options. In addition to this dedicated Web site, Cardservice merchants can speak to a customer service representative 24 hours a day, 7 days a week, in 140 languages and dialects, can submit questions via e-mail and can access and retrieve deposit information through our interactive voice response system.

“Cardservice International developed this dedicated merchant site,, based on merchant feedback and input,” said Cardservice International’s Chief Operating Officer Tim Miller. “It provides our merchants with full online access to their merchant account statements, and it is another example of Cardservice International’s credit card processing industry leadership.”

Cardservice merchants will be notified through a statement insert, which details the site benefits. The insert invites merchants to log on and take a tour of the Web site. Once merchants enroll, they can view the online tutorial to familiarize themselves with the site’s format and functions.

About Cardservice International Inc.

Headquartered in Moorpark, Cardservice International provides a wide range of noncash transaction processing options to local, regional and national traditional and Internet businesses. With more than 125 million transactions annually — from point-of-sale credit card processing to e-commerce solutions — Cardservice International is recognized as a leader in electronic commerce and payment services. Established in 1988, the company processes every type of electronic payment method, including credit, debit, electronic benefits transfer and electronic checks. In addition, Cardservice offers popular point-of-sale hardware and software for brick-and-mortar and Internet payment acceptance. To prevent and monitor fraudulent activities, Cardservice International has one of the largest chargeback and loss prevention departments in the industry. Cardservice supports its merchants with customer service 24 hours a day, 7 days a week, in 140 languages and dialects. First Data Corp., a global leader in electronic commerce and payment services, holds a 50 percent equity position with Cardservice. For more information about Cardservice International, visit [][1].




Freestar Technologies, Inc. announced that
pursuant to its contractual agreement with La Nacional de Envios, the leading
public payment system in the Dominican Republic, Freestar’s innovative
PaySafeNow system for La Nacional is now operational. This is the first
public payment system of its kind, offering economical, PIN-authenticated ATM
and debit card options for the transfer of money over the Internet. La
Nacional will deploy the PaySafeNow system throughout its network of 24
branches in NewYork, Spain, Puerto Rico and Venezuela and more than 300 agents
throughout the United States.

La Nacional can now offer its customers PIN-secured ATM and Debit Card
money transfer transactions online via Freestar Technologies’ bundled
PaySafeNow technology package. PaySafeNow includes software and a secure card
reader, allowing consumers the ability to securely transfer money locally or
internationally over the Internet using ATM, debit or smart cards. Transaction
costs are significantly less than those charged by competitive public payment
systems, and users can execute cash transactions from brick-and-mortar
commercial locations or the comfort of home, 24 hours a day.

Under the agreement, La Nacional will sell and distribute the PaySafeNow
solution to its existing and new client base throughout North and Latin
America. The initial stage of the agreement requires La Nacional to purchase
1,500 secure card readers from Freestar to distribute and deploy to its
branches and agencies throughout the U.S.

Paul Egan, CEO of Freestar Technologies, commented, “We have a significant
opportunity to drive the market for Internet secure money transfer using
ATM/debit cards with PIN authentication. Now that we have a proven template,
which offers a highly competitive cost to the consumer, together with our
partners we can offer similar financial institutions our PaySafeNow solution.
Freestar Technologies will not only receive revenue from the product sales but
will also receive a transactional revenue fee from each transaction that takes

Presently, according to the Dominican Republic’s central bank of record,
over US$1.6 billion is transferred from the U.S. to the Dominican Republic
annually. The average transaction per person amounts to approximately US$160
monthly. Currently, La Nacional de Envios holds a large percentage of the
market share in funds transfer transactions between the Dominican Republic and
the U.S. PaySafeNow involves much lower fees than other public payment firms
charge, providing a competitive advantage to companies that offer the service
and a much improved channel for making cash transfers.

About La Nacional de Envios

La Nacional de Envios, part of Grupo Caribe, which was established in
1980, is one of the leading and most reputable public payment systems in the
Dominican Republic. There are 24 branches strategically located in New York,
and 300 agencies established throughout the United States of America. La
Nacional de Envios also has branches in Spain, Puerto Rico and Venezuela. The
company is not only involved in international money transfers but is also
actively involved in the local market. Grupo Caribe currently employs over
300 people in 50 offices throughout the Dominican Republic.

About Freestar Technologies, Inc.

Freestar Technologies, Inc.’s Enhanced Transactional Secure Software
(“ETSS”), a proprietary software package that enables consumers to consummate
secure e-commerce transactions over the Internet using credit, debit, ATM
(with PIN) or smart cards. The ETSS system integrates a consumer-side card-
swipe terminal with a back-end host-processing center. It encrypts sensitive
financial data at the consumer’s personal computer, using powerful DES
encryption and algorithms. It sends an authorization number to the e-commerce
merchant, rather than the consumer’s credit card information, to provide a
maximum level of security. The Company plans to link several large,
established smart card systems together on an ETSS-based standard to achieve
economies of scale and further market penetration for this secure e-commerce
payment system. For more information visit the Web site of the Company’s
ePayLatina Division at


Calculating Profitability

A new survey released this morning found that nearly 70% of financial institutions have implemented a model for measuring profitability but 87% of these models calculate profitability at the organizational and/or product levels only and not at the customer/account level. The CorePROFIT Solutions research also found that 60% of the financial institutions are not satisfied with the underlying cost information they use to calculate profitability. More than 77% are currently using expense allocations or Federal Reserve functional costs as their primary costing methodologies. The survey was based on interviews with senior-level marketing and finance executives at the 250 top North American financial services organizations.



The New York Clearing House and the Euro Banking Association this week
announced a Memorandum of Understanding that will allow both organizations to
work together on a global electronic payment infrastructure that will enable
Internet-based, end-to-end electronic commerce for the first time. Both
organizations will begin immediately to establish joint working groups
dedicated to making geography and currency distinctions transparent to

‘We are very excited to be exploring these options together,’ said Olivier
Chairman of EBA. ‘Our goal is to share resources and expertise as we seek to
add critical new Internet compatibility to each of our payment platforms,
creating the basis for a coherent end-to-end straight-through processing of
clients’ payments independently of whether they are in dollar or in euro.’

‘This alliance is a natural for both organizations,’ said Jeffrey P. Neubert,
President and CEO of the New York Clearing House. ‘We share many of the same
bank members and a similar vision of where electronic payments need to evolve.
The true opportunities in e-commerce can only be realized if electronic
payments can flow across borders and transcend currency distinctions without
any human intervention.’

The alliance offers many advantages for banks that participate in the Clearing
House and EBA payment systems. These include:

· Leveraged investments in existing infrastructure rather than creating new
systems from scratch

· Development of a private-sector platform for electronic payments to maximize
value and innovation

· Shared development expenses to reduce costs

· Simplified standards and operating processes to increase efficiency

‘This Memorandum of Understanding is the first important step for these two
leading organizations to create a roadmap for how best to improve their
infrastructures,’ said Martin Lebouitz, Vice President of J. P. Morgan Chase &
Co. ‘The banking industry is looking for a platform that will provide
value-added e-commerce solutions to our customers, and the NYCH and the EBA
the right people to get the job done.’

‘Having defined a common vision,’ said John Mohr, Chief Operating Officer of
the Clearing House Interbank Payments System (CHIPS), ‘our next task will
be to
work together to set standards for payments and information-related processing
to be used by both payment systems, their participating banks and the banks’
customers. We will move quickly to establish working groups that will explore
options for interoperability between the Clearing House and EBA payment

‘There are many advantages in working together with the New York Clearing
House,’ said Gilbert Lichter, Secretary General of EBA and CEO of EBA Clearing
Company. ‘Both organizations share a vision of bank customers conducting an
exclusively electronic transaction all the way from the buyer’s desktop to the
seller’s desktop and flowing through all the banks in between. To do that in a
manner where the currency used is transparent to the transaction has

‘There has been so much news coverage of the dot-com failures that many people
don’t realize that electronic commerce is thriving and will continue do
develop,’ says Eric Sepkes, Deputy Chairman of EBA. ‘This joint approach to
finding ways that makes e-commerce easier to execute, more efficient, less
costly, and vastly more pervasive is very exciting.’

The Euro Banking Association (EBA),, includes
over 150 member banks from all EU countries, the United States, Switzerland,
Norway, Australia and Japan. EBA was founded in 1985 by 18 commercial banks
the European Investment Bank, with the support of the European Commission.
Today, the EBA acts as a forum for the European payments industry and fosters
the development of pan-European payment system initiatives.

The EBA Clearing Company,, was established in
June 1998 by the EBA as a separate entity to operate the EURO1 large-value
payment system and the STEP1 low-value payment system. EURO1 and STEP1 provide
an efficient, secure and cost-effective infrastructure to the banks in Europe
for channeling their commercial and large-value cross-border payments. EURO1
and STEP1 are based on the messaging infrastructure and computing facilities
provided by S.W.I.F.T. EURO1 settles at the end of the day via a settlement
account at the European Central Bank. The average number of daily transactions
processed by the EURO1 and STEP1 systems today amounts to over 125,000 for a
total value in excess of 200 billion euros. EURO1 comprises 73 direct bank
participants and 25 indirect participants; STEP1 includes 163 banks. EBA is
presently pursuing a project to create a pan-European mass payment system
(ACH), labeled STEP2.

The New York Clearing House,, is the
oldest and most innovative bank association and payments processor.
in 1853 to simplify the exchange of checks and improve the efficiency of the
payments system, the Clearing House is still a world leader in the payments
business. It operates the Clearing House Interbank Payments System (CHIPS),
Electronic Payments Network (EPN) and SVPCo, and runs a well-respected
association that serves as a forum for its members to promote common interests
in the financial services industry. For more information, search or call Chip Savidge at 201-319-5478

For 31 years the Clearing House Interbank Payments System (CHIPS),, has been an industry standard for
international payments in U.S. dollars. It has 59 participants from 22
countries that submit payments throughout the day for their corporate
and correspondent banks. CHIPS handles approximately 95 percent of all U.S.
dollar international electronic payments, and is a member of the New York
Clearing House family of financial services. For more information, search, or call Chip Savidge at 201-319-5478.


Providian Action

Providian announced yesterday it is cutting jobs, suspending dividends, withdrawing earnings guidance, and is seeking to sell-off about $3 billion of its credit card portfolio. The company said Wednesday it will close its 700-employee Henderson, Nevada facility on December 7th, to save approximately $18 million in annual operating expenses. Providian also announced that its Board of Directors has suspended, for an indefinite period, the payment of quarterly cash dividends on the company’s common stock, and withdrawn previously issued earnings guidance for the fourth quarter and the year 2002. The nation’s sixth largest VISA and MasterCard issuer also said it is pursuing the possible sale of $3 billion in higher-risk credit card receivables. Providian originated the majority of these assets through marketing programs it has since discontinued. Salomon Smith Barney and Goldman Sachs also gave Providian yesterday a commitment for a new $900 million securitization of credit card receivables. The company confirmed that none of its existing securitizations have credit downgrade provisions that would trigger early amortization. For complete details on Providian’s latest earnings report visit CardData ( Providian’s stock closed down 4% Wednesday at $3.68 per share. (CF Library 10/22/01; 11/1/01)



ID Data plc, is to replace the JavaCard with the recently launched thin Java
machine which uses ORIGIN-J technology. The recent exclusive global
licensing agreement with OneEighty Software, enables ID Data to develop full
Java smart card solutions using the ORIGIN-J(tm) platform, a technology
developed by OneEighty Software.

Currently JavaCard is a highly specialised, limited variant of Java
technology, used in many smartcards. The thin Java machine provides a
standard Java capability, where
the ORIGIN-J technology overcomes the issues faced by developers
particularly price and interoperability. The open interface allows
customers to build applications using standard Java methods and tools. A
memory management facility for smart cards that frees up memory for
reprogramming and more efficient use is offered through ORIGIN-J for the
first time.

ORIGIN-J allows for full multi-threading and other features of Java to be
used even on 8-bit processors. This feature will encourage the launch of
truly affordable multi-application cards in the rapidly expanding markets of
GSM, Banking Security. This technology will advance the industry and add
significant future enhanced value to the smart card industry.

The team behind OneEighty Software is led by Dr Peter Dzwig and Dr Russell
Winder, former Professor of Computing at Kings College, London, who have
spent the past four years developing solutions for Java, allowing complex
processing via compact programs. This was based upon the work of Bernard
Hodson, the Alan Turing protégé and using concepts allied to the Turing

Peter Cox, CEO of ID Data commented: “This contract has advanced our
group’s capabilities of becoming a global leader, and again demonstrates the
Company’s ability to bring truly innovative solutions to the market and
create demand. The agreement will develop our position as a significant
provider of IP that can be used by the global community to develop the smart
card and its applications. This technology will advance and add
significantly enhanced value to the smart card industry.”
Peter Dzwig, CEO of OneEighty Software said of ORIGIN-J: “We have spent much
effort developing this leading edge technology, and feel confident that we
have a dynamic partner who will exploit its commercial capabilities in the
Java market and assist us in further developments for the future.”
The unique features of ORIGIN-J are its scalability and compactness, which
allows applications to be run on a wide range of silicon using Java, without
the limitations of the current Java offerings from ID Data’s global

ID Data plc is the UK’s largest supplier of secure transaction systems and
smart card to the international telephony, banking, retail and secure access
sectors. The Company strategy has moved from commodity products into
value-added services and solutions, which has created a solid platform on
which to build further growth. Clients include Vodafone UK, BT and C & W,
Barclays Bank, Tesco, and Exxon Mobil. ID Data has formed agreements with
major global corporations to ensure rapid market development as shown by
their partnerships with Toshiba & Toppan, and Total Systems Inc. of the
United States of America. ID Data has now delivered in excess of 60 million
chip cards for the telephony sector. The Company was founded in 1988, and
was listed on the AIM in October 2000. Website:

OneEighty Software Ltd

The Company was founded in 1989 as GENETIX Software Inc. in Canada.
OneEighty has developed a unique architecture, which enables ultra compact
ORIGIN-J is a Java Virtual Machine (JVM), which enables Java to be
implemented in memory constrained embedded systems such as smartcards,
control systems and portable devices. Existing JVMs are too large to be
effectively used on such devices, however ORIGIN-J overcomes this by
reducing Java applications down to a very small memory footprint.
OneEighty’s ORIGIN-J platform is designed to deliver ultra compact embedded
systems from smart cards to PDAs as well as brown and white goods.


Charge-Offs 3Q/01

Charge-offs among the top ten issuers of VISA and MasterCards increased an average of more than 20% during the third quarter compared to 3Q/00. During the second quarter charge-offs increased an average of 17.5% over the prior year. Capital One’s extraordinary 57% annual growth in receivables over the past twelve months pushed down its charge-off growth rate to 3.1%, the lowest among the top players. However Providian, which grew more than 30%, realized nearly a 36% gain in charge-offs this year. While sub-prime specialist Metris/Direct Merchants has charge-offs growing at a 9.2% annual rate, the velocity has slowed from the second quarter’s 14.7% growth rate. Meanwhile, American Express charge-offs soared 30.2% during the third quarter from 4.3% for 3Q/00 to 5.6% for the quarter ending Sept 30, 2001. Discover posted a 19.1% gain in losses from 4.18% one year ago to 4.98% for the latest quarter, which ended Aug 31, 2001.

3Q/01 3Q/00 CHNG
1. Citigroup: 5.48% 3.95% +38.7%
2. MBNA: 4.90% 3.88% +26.3%
3. First USA: 5.89% 5.03% +17.1%
4. Chase: 5.64% 4.99% +13.0%
5. Cap One: 3.92% 3.80% + 3.1%
6. Providian: 10.33% 7.61% +35.7%
7. BofA: 4.81% 4.16% +15.6%
8. Household: 6.75% 5.23% +29.1%
9. Fleet: 6.26% 5.24% +19.5%
10. Dir Merch: 10.70% 9.80% + 9.2%
AVERAGE: 6.47% 5.37% +20.5%
Source: CardData (



Airport Aviation Services (Sri Lanka) Ltd (AASL) is implementing a digitized
photo ID system for employees, temporary staff and visitors, using Datastrip
secure ID card technology.

AASL manages and controls the logistics of the International Airport of Sri
Lanka. The ID project is being implemented by Datastrip’s systems integrator,
Epic Lanka, who will enable AASL to commence issuing the new cards to its
current 6,000 employees, temporary workers and pass holders. Eventually, the
roll-out will include all visitors to the airport.

“The AASL decided to procure a secure ID card system considering the current
concerns of security in Sri Lanka”, said Nayana Dehigama, Managing Director of
Epic Lanka, the Datastrip representative in Sri Lanka. “Due to the use of 2D
barcode technology and Datastrip’s DSVerify2D reader, they will now be able to
carry out personnel identification activities off-line, without being
on high-cost, expensive network infrastructures”.

The system is based on Datastrip’s high capacity, compact two-dimensional (2D)
symbology, which offers a cost effective method of capturing and storing
information such as text, photograph and biometrics, in an area measuring
5/8 x
3 inches (1.6×7.6cm) that can be printed on substrates such as ID cards,
passports and drivers’ licences.

The AASL ID cards with their encoded photos will be decoded and displayed
the DSVerify2D terminal. This new generation multifunctional terminal is a
fully integrated reader and fingerprint verification device. Designed to
support Datastrip’s 2D codes as well as PDF417, OCR-B and smart cards, the
DSVerify2D delivers instant one-to-one verification of fingerprint biometrics
and can be customised to fit specific requirements for many ID initiatives –
including airport security, passports, national ID, drivers’ licences and

“The Datastrip solution offers an extremely high level of security that can be
added to identity documents at very low cost,” says Patrick Gilmore,
Datastrip’s Business Development Director – A&ME.

Datastrip Ltd, Unit 7, Thame Park Business Centre, Wenman Road, Thame,
Oxfordshire, OX9 3XA, UK. Tel: +44 (0)1844 215668; Fax: +44 (0)1844 215669;
Email:; Web:


Tighter Underwriting

About 20% of banks reporting to the ‘October Senior Loan Officer Opinion Survey on Bank Lending Practices’ say they had tightened standards on both credit card and other types of consumer loans over the past three months. In addition, 14% of domestic banks increased the minimum required credit score for credit card applications, and 21% of them raised spreads of interest rates charged on outstanding balances relative to their cost of funds. For other types of consumer loans, 14% of respondents raised the minimum required credit score, and 24% of them increased spreads over their cost of funds. However banks’ credit standards for approving residential mortgage loans were largely unchanged over the past three months.



Moneris Solutions, Inc., a leading
merchant processing technology company, is pleased to announce its continued
expansion into the U.S. with a new ISO (Independent Sales Organization),
Standard Payments, LLC. Standard Payments is based in the metropolitan
Detroit area, maintains a business development and account support center in
Dallas, and is focused on meeting the payments acceptance needs of small and
middle market bankcard merchants across the United States.

“Our agreement with Standard Payments enables us to extend Moneris
Solutions’ POS solution to a solid merchant customer base while enabling us
to extend our footprint across the States,” said Swen Swenson, ISO Account
Executive at Moneris Solutions, Inc.

Moneris Solutions’ Charge-It System® offers some of the best payment
transaction processing solutions the industry has to offer. In conjunction
with VeriFone, Hypercom, U.S. Wireless Data, and SurePay, to name just a
few, Moneris Solutions enables businesses to accept a variety of payment
methods, easily, quickly, securely, and at competitive prices. Moneris
Solutions’ offering includes point-of-sale terminals, PC software, wireless
and an eCommerce platform.

“Standard Payments is not another generalist selling merchant accounts,”
said Trent R. Voigt, Chairman, Standard Payments, “but a specialist
comprised of industry veterans conversant in systems integration, data
networking, communications technologies, the Association’s Operating
Regulations, and the growing array of related issues and concerns impacting
the nation’s bankcard merchants.” Standard Payments’ President, David L.
Tepoorten added, “We’re pleased to be associated with Moneris Solutions.
We’ve selected a partner that shares our vision and is ideally positioned to
support the delivery of our value proposition in today’s very competitive

About Standard Payments

Detroit-based Standard Payments, LLC is “Setting the Standard in Payments
Delivery”® by providing card processing products and account support that
enable its merchant clients to convert payment acceptance technologies into
business solutions. Standard Payments is an industry specialist in merchant
account acquisition and management, and deploys its recommended various
payment options, payments strategies, and payment acceptance solutions and
technologies for merchants nationwide. For more information, visit

About Moneris Solutions Inc.

Moneris Solutions is a leading North American technology company that was
formed in December 2000 as a result of a joint investment between the Royal
Bank of Canada Financial Group and Bank of Montreal. In less than a year,
Moneris has over 300,000 North American customers; 18 ISO’s; a staff of 8700
employees; and offices in Chicago, Illinois; Toronto, Ontario; and Montreal,
Quebec. For more information, visit


Apple @pos

@pos ( , a leader in secure, interactive electronic transaction technologies, announced that they would be providing the Apple Stores, the retail chain stores of Apple Computer, Inc., with Internet-capable iPOS TC terminals for credit and debit transactions, signature capture and interactive customer display.

Apple, a leading-edge company known for its technical and marketing expertise, is currently installing iPOS TC terminals in each of its Apple retail stores nationwide. The terminals directly interface to Apple’s innovative iMac computer running a customized point-of-sale application. Apple Store customers can swipe their card through the iPOS TC and enter their personal identification number (PIN) for debit payments, sign their name for credit transactions and see items being purchased. Customers have had a positive response as evidenced by postings on Mac user Web sites about the new devices. The iPOS TC terminal and its advanced functionality fits into the image that Apple wishes to provide customers during the Apple Store shopping experience. Apple will also utilize the @pos posPortal color transaction software complete with the Apple look and feel.

The @pos devices are located in all of Apple’s retail stores nationwide. The first 2 stores opened May 19, 2001, and currently there are 16 more stores open, with more coming in the future.

“The @pos iPOS TC terminal allows Apple to really engage its customers,” said Llavan Fernando, Chief Executive Officer for @pos. “I am very pleased that innovative technology leaders such as Apple selected the state-of-the-art terminal for their point-of-sale. With the iPOS TC, Apple can display colorful advertisements and promotions via the Internet and at the same time, send transaction data for processing as well as capture digital signatures. The device fits the way they have always liked to communicate with their customers, colorful and bold.”

About @pos

@pos (OTCBB:EPOS) is a leader in secure, interactive electronic transaction technologies. The company provides signature capture products, Web-enabled payment platforms, smart card interfaces, encryption engines supporting DES and Triple DES, and an extensive suite of software tools. With complete end-to-end solutions, @pos offers Internet-based, hosted services, under its Crossvue brand, for loss prevention and electronic receipt storage and retrieval. @pos currently services the retail, government and banking market for applications that include electronic signature capture, debit and credit payments. For more information, see [][1], email to, or call 408/468-5400.