Double Miles

With sagging travel demand, Delta announced the most aggressive promotion ever to entice its frequent flyer members and credit cardholders to return to the skies. The three, new ‘SkyMiles’ promotions will enable members to earn accelerated status, bonus miles, and to redeem miles at reduced award levels. One of the three new promotions offers double miles for all purchases made with the ‘Delta SkyMiles Credit Card from American Express’ between Oct. 15 through Nov. 30. The current ‘Double Miles’ promotion with AmEx only awarded bonus miles for purchases at super markets, home improvement stores, drug stores, gas stations, wireless phone bills, the U.S. Postal Service and Delta Air Lines. The second promotion enables ‘SkyMiles’ members to earn double miles on all Delta flights through Nov. 15 and counts these bonus miles toward ‘2002 Medallion’ elite-level status. And third, the airline has extended by one month a previously announced opportunity to redeem travel awards at reduced mileage levels. Members may redeem 15,000 miles, instead of 25,000, for a free economy class ticket within North America, or 40,000 miles, instead of 50,000, for a free coach ticket to Europe or the Caribbean.

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FUSA CRM Chief

First USA, Bank One Corporation’s credit card unit, has announced the appointment of James LeKachman as head of Decision Management, a new group that will focus on customer relationship management. LeKachman reports to Daniel Frate, president and chief operating officer of First USA.

LeKachman, 41, has spent more than 10 years leveraging computer technology to develop enterprise-wide programs for customer relationship management. He spent 13 years at American Management Systems Inc. (AMS), rising to vice president in the Consumer Financial Services Group, and most recently was vice president at Sapient Corporation. “We welcome someone of Jim’s caliber to guide an important area for First USA,” said Phil Heasley, chairman and chief executive officer of First USA. “Under his leadership, our Decision Management team will apply innovative analytics to our customer relationship strategies to help us better serve our customers.”

“Jim brings exceptional knowledge and experience in managing customer relationships in the financial services industry,” said Frate, who worked closely with LeKachman for several years during LeKachman’s tenure at AMS. “He will help us match each of our customers to the right products, improving both customer satisfaction and profitability.” LeKachman began his career as a credit policy analyst at Citicorp Retail Services before joining Risk Sciences Group as a senior consultant. He joined AMS in 1987, eventually becoming co-manager of the Customer Relationship Management practice for the Consumer Financial Services Group and a member of the group’s Management Committee. “I look forward to helping First USA, and our parent Bank One, expand the relationships within our excellent customer base, reinforcing First USA as a premier credit card and payments company,” said LeKachman. LeKachman earned a bachelor’s degree in economics from Lehigh University and a master’s degree in business administration from the University of Chicago.

First USA, a subsidiary of Bank One Corp. (NYSE “ONE”), is the largest issuer of Visa credit cards in the world, offering credit cards for consumers and businesses under the First USA and Bank One names and on behalf of its 1,900 marketing partners. These partners include some of the leading corporations, universities and affinity organizations in the United States. Bank One is the nation’s sixth-largest bank holding company, with assets of more than $270 billion. More information can be found at .

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Translucent Card Patent

IL-based Perfect Plastic Printing Corporation announced it has been issued a second patent in as many weeks covering its patented translucent card technology.

Perfect Plastic was issued patents on 9/18/01 and 10/2/01 covering its translucent card technology. Perfect Plastic has been involved in clear card technology since 1974. Unlike standard opaque plastic cards, translucent cards allow some visible light to pass through.

The new proprietary technology developed by Perfect Plastic allows these cards to be detected by card readers and ATM sensors and standard card counting equipment despite the fact that they are not visibly opaque.

Translucent cards can be made in a variety of colors and color combinations per the wishes of the customer. The translucent card can be attractive and appealing. The capability to manufacture translucent cards opens up new avenues in graphic design and visual effects not previously available to credit card designers. Translucency is a high-end feature and imparts to the card user a level of status over those who merely have standard opaque cards.

For more information, contact Doug Eden, Director of Marketing at (630) 584-1600.

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Maple Leaf Signs with Gelco

Gelco Information Network, the largest and most experienced provider of e-business expense management and reimbursement programs, today announced that Maple Leaf Foods has selected ExpenseLink/Direct(R), a hosted web-based solution for automation of its travel and entertainment (T&E) expense management and employee payment request processes for Maple Leaf Food employees across U.S. and Canadian operations. Based in Toronto, Canada, Maple Leaf Foods is a leading, global food processing company. Gelco automates the T & E expense management process for mobile employees by providing a user-friendly, web-based solution for easy and rapid expense processing and reimbursement. “We are pleased to have been selected by global leader Maple Leaf Foods to provide them an innovative technology and an unsurpassed expense management automation solution,” said Jon Klem, president and chief executive officer of Gelco’s Expense Management Group. “In today’s fiscal environment, it is cost effective for companies to outsource expense management to gain greater processing efficiencies and control over travel expenditures. Gelco automates each step of the T & E expense management process to provide Maple Leaf Foods with reduced operational costs, improved corporate efficiency, and increased productivity.”

ExpenseLink/Direct(R) allows automation of the entire expense management process from anywhere in the world, providing expense reporting, auditing and reimbursement, data analysis and paperless record keeping. Available anytime, anywhere, Gelco’s ExpenseLink/Direct(R) users simply create expense reports online, submitting them securely via the Internet. Users gain access through an Internet connection to enter travel expenses. Once completed, expenses are reimbursed within 72 hours via direct deposit to employee bank accounts. Corporate charge cards are paid directly according to their company’s payment schedule. Configurable client and server side business rules and automated workflow ensure maximum levels of control and accurate accounting.

About Maple Leaf Foods

Maple Leaf Foods Inc. is a leading global food processing company. Headquartered in Toronto, Canada, the Company employs more than 13,000 people at its operations across Canada and in the United States, Europe and Asia. Maple Leaf Foods reported sales of $3.9 billion in 2000.

About Gelco

Minneapolis based Gelco Information Network is a wholly owned subsidiary of HG Holdings, a multinational interest specializing in e-business products and services for mobile employees. Gelco has been providing travel expense management software and services for more than 35 years. As a whole, the company processed approximately $11 billion in reimbursements in 2000. The Expense Management Group serves over 1.9 million users in over 1,200 corporations and federal agencies, including Ericsson, The Toro Company, American Home Products, Reebok International, Ltd., and the United States Government (including Department of Defense, State Department and NASA). Leveraging an e-business infrastructure through technology from Sun Microsystems, Cisco, Oracle, EMC and Microsoft, Gelco is the only company that provides its customers with complete expense and trade fund management solutions. Additionally, through its partnerships and private-label relationships, Gelco provides this e-business technology and infrastructure to application service providers and other providers of travel management services. Visit the Gelco web site at [www.gelco.com][1].

[1]: http://www.gelco.com

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Hypercom Stock

Hypercom said yesterday that the forward sale of 500,000 shares of its stock by Paul Wallner in late September in no way reflects on the business prospects for the company. Hypercom says the stock transaction was made in Paul’s individual capacity and that he is no longer directly affiliated with the company. Although Paul is the brother of George Wallner, the chairman of the board, the sale is not an insider stock sale. Paul left Hypercom in December 1999 and left the board of directors in May 2000.

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StarPoints for Sept 11th Fund

Dear Gold Preferred Guest,

Thanks to the incredible generosity of our members, we are pleased to announce that to date more than 7 million Starpoints have been donated to the September 11th Fund. The September 11th Fund is a national effort created by the United Way and The New York Community Trust to provide a single, coordinated response to the devastating attacks on America. If you have not had an opportunity to donate, you may do so by clicking the link below to visit spg.com.

We realize that the tragic events of September 11th may have impacted your travel plans. We want you to know that we remain fully committed to providing the best possible service to our members. Our Gold Preferred customer service is available 24 hours a day to assist you, and while our marketing communications have been reduced, you can still access special offers through spg.com by clicking the link below.

Our thoughts and prayers are with all of you and we look forward to seeing you soon.

Jim Berra Vice President, Loyalty Marketing Starwood Hotels & Resorts Worldwide, Inc.

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SMART-XA

Philips Semiconductors, a division of Royal Philips Electronics, and Gemplus,
the world leader in smart-card based solutions, jointly announced that
Gemplus will use Philips Semiconductors’ SmartXA 2nd generation smart card
microcontroller as a basis for open operating systems (OS) projects. The Java
Card will be used as a multi-application platform for the wireless
communications market.

Future applications in mobile communications require new smart card
architectures and solutions providing interoperability through open operating
systems, multi-application support and the highest security available.
Gemplus’ new Java Card will meet these requirements. Philips Semiconductors’
SmartXA 2nd generation, introduced last year, will be the engine behind this
powerful new card.

“The advanced features of Philips Semiconductors’ SmartXA 2nd generation
will help Gemplus stay one step ahead of the competition in Java Card
technology,” said Frederic Vasnier, Vice-President Marketing, Wireless Cards
and Tools at Gemplus. “Our customers need to provide personalized, secure and
profitable services to all of their subscribers and we believe Java Cards best
answers these needs. By using Philips Semiconductors’ SmartXA 2nd generation
to develop Gemplus’ wireless Java Cards we are reaffirming our support for
market-wide interoperable products that make up the infrastructure needed for
open mobile business both now and in the future.”

“New communication networks and services provide both challenges and
opportunities for smart card technology and platforms,” said Reinhard Kalla,
Business Line Manager for Chip Cards in the Business Unit Identification at
Philips Semiconductors. “Gemplus, with its background of leadership in
wireless solutions, is entering a new class of performance and security with
Philips’ advanced 16-bit SmartXA technology, delivering further innovative
solutions to service providers in general and wireless operators in
particular. Together we will enable secure mobile access to a wide range of
consumer services.”

SmartXA 2nd generation was developed to power future developments in
mobile communications and secure network access. The new 16-bit architecture
has been optimised to support multiple applications, and with high levels of
security and support for public key cryptography (PKC) it also provides a
secure platform for banking and government applications. It includes a true
16-bit architecture, to enable the use of a wide range of interpreter-based
languages and open software platforms, and to support the multiple application
use of smart cards.

SmartXA 2nd generation also features an enhanced memory configuration with
up to 64K EEPROM, 208K ROM and 7K RAM, in 0.18u technology. Its comprehensive
security features include an enhanced on-chip hardware firewall which provides
separation and integrity of data and applications, a 32-bit FameX public key
cryptography coprocessor, a high-speed triple DES coprocessor and a true
random number generator.

About Philips Semiconductors

Philips Semiconductors, with revenues of US $6.3 billion in 2000, is a
world leader in silicon systems and standard products for wireless
communications, digital entertainment, computing and automotive applications.
The organization designs, develops and manufactures silicon solutions based on
its innovative Nexperia(TM) architecture to create living technology for its
customers building products, service providers using the products, and
consumers enjoying the resulting products and services.

About Gemplus

Gemplus is the world’s number one provider of solutions empowered by
Smart Cards (Gartner Dataquest 2001). Gemplus helps its clients offer an
exceptional range of portable, personalized solutions that bring security and
convenience to people’s lives. These include mobile internet access,
interoperable banking facilities, e-commerce and a wealth of other
applications. Gemplus is the only completely dedicated, truly global player
in the Smart Card industry, with the largest R&D team, unrivalled experience,
and an outstanding track record of technological innovation. Gemplus trades
its shares on Euronext Paris S.A. First Market and on the Nasdaq Stock
Market(TM) as GEMP in the form of ADSs. Its revenue in 2000 was 1.205 Billion
Euros. It employs 7,800 people in 37 countries throughout the world.

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UIM CARDS

Gemplus, the world’s leading provider of smart card solutions for wireless telephony, and Grupo IUSACELL, a leading CDMA Mexican operator, part of the Verizon group, have teamed up to successfully trial Gemplus’ GemXplore World smart cards in CDMA UIM-enabled handsets.

Grupo IUSACELL is the first Latin American operator to trial smart cards in its network. CDMA operators in the Americas are currently investigating the benefits and opportunities of the UIM. One of these benefits includes the ability to provide a virtually global coverage with GSM-CDMA roaming. By simply inserting his/her UIM in a GSM phone, a wireless user can access his/her personal data while traveling abroad. Regardless of phones, radios, or location, the UIM is the ideal wireless service delivery platform, linking the end user and the operator. In addition, the smart card ensures security for all wireless transactions. With high levels of authentication and validation procedures built into the card, the operator is able to guarantee a secure service and thus create an environment of trust.

“Gemplus has demonstrated its commitment to supporting carriers in implementing smart card-based CDMA networks worldwide,” said Perry LaForge, executive director of the CDMA Development Group (CDG). “Gemplus’ smart-card technology further demonstrates CDMA leadership in providing innovative solutions to meet emerging market needs. Global roaming is one of the key priorities for the CDMA industry and we applaud Grupo IUSACELL and Gemplus for their contributions to making it possible.”

“Gemplus’ expertise was instrumental in launching the trial and in quickly demonstrating the value of UIM smart cards in our CDMA network,” says Grupo IUSACELL’s president and general director, Peter Burrowes.

“We are proud to support Grupo IUSACELL’s vision for smart cards. It is concrete proof that smart cards play a key role in global roaming. The Americas are clearly the next major market for UIM smart cards, and Gemplus is ready to support wireless operators in their migration paths to 3G,” states Mac McKinnon, vice president, Telecom Business Unit of Gemplus North America.

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BANKART PAYWARE

Trintech Group Plc, a global provider of
secure payment infrastructure solutions, announced that Bankart,
Slovenia’s national card processing service, is deploying Trintech technology
to manage the card issuing and merchant acquiring requirements of all the
country’s major banks. PayWare eCMS, Trintech’s next generation card issuing
and merchant processing solution is being harnessed by Bankart to provide
issuing and merchant acquiring services to a network of Slovenian banks.
Bankart was founded by Slovenia’s largest card issuer Nova Llubjanska
Banka and is co-owned by NLB and a number of Slovenia’s leading
banks. PayWare eCMS’s flexible design enables Bankart to process card
transactions on behalf of multiple financial institutions in multiple
currencies and support their banks’ varied card programs and merchant
accounts.

“We are fully committed to providing our member banks, merchants and
consumers with a national card system that brings electronic payments in
Slovenia into the 21st century,” says Aleksander Kurtevski, CEO at Bankart.
“This is particularly important given the advent of chip enabled payment
processing, the emergence of the Internet and a viable channel for commerce
either PC or mobile. By deploying Trintech’s PayWare eCMS we have the benefit
of a proven solution that allows us to meet the card issuing and merchant
acquiring needs of today and tomorrow.”

PayWare eCMS is comprised of two major modules, Issuer and Acquirer.
PayWare eCMS Issuer enables Bankart to set up and easily manage feature-rich
card programs for its clients. PayWare eCMS Acquirer is a merchant account
handling and settlement solution allowing Bankart to fully manage their
merchant acquiring services including account set-up, determination of
merchant account parameters and settlement of funds.

“Trintech’s goal is to provide leading-edge technology that helps banks,
card processors, merchants and consumers harness the power and convenience of
payment cards,” according to John Harte, EVP global sales and marketing at
Trintech. “Bankart has demonstrated clear leadership in Slovenia by providing
innovative payment services to its members. Our work with Bankart has helped
continue this tradition by fully enabling the country’s first card issuing and
merchant acquiring system. This will help the country’s banks avoid expensive
and inefficient check systems. This is a first for Slovenia and it is a major
breakthrough for consumers and merchants.”

PayWare eCMS boasts a Unix-powered relational database with a
browser-based graphical user interface. PayWare eCMS provides Bankart with the
ability to quickly and easily create and modify credit, debit and private
label and loyalty card programs. PayWare eCMS also allows Bankart to easily
configure card and merchant accounts due to its highly parametrical nature,
providing a very flexible solution that can be quickly changed or adapted to
meet customer requirements. Additionally, PayWare eCMS provides sophisticated
switching technology facilitating multi-currency and multi-brand support, as
well as completely automating the transaction processing and settlement
functions.

About PayWare eCMS

Multi-card and brand support — Issue a single card or several brands at
the same time. Each card can be set up with its own unique set of processing
parameters.
Multi-Institution — Organize your card processing services as a single
business unit or across several business units. Each issuing unit can be set
up with its own set of unique business rules.
Multi-Currency Support — Each card in the system can be settled in the
local currency or in the local and reference currency. Payment to merchants
can be made either in the local or international currency.
Scalable Solution — Using a relational database with standardized
structures together with the ability to expand your base systems
infrastructure as you need to, it allows you to grow your card system as your
processing and business needs grow.
Open Architecture — PayWare eCMS will run on any combination of standard
hardware, operating system and database management system.
Flexible Modular Architecture — PayWare eCMS is made up of multiple
modules so that you can design your card management system based on the
functionality that you require for your business requirements.
End-to-end Payment Processing — Integrating with our payment gateway
products and virtual card issuing solution, Trintech provides an integrated
suite of solutions providing the infrastructure to your card processing
requirements.

Future Proof Solution — PayWare eCMS provides support for chip enabled
payment processing and secure Internet and mobile payments.

About Bankart

Bankart was founded in 1997 by Slovenian commercial banks as a processing
company for payment services. Bankart has since been instrumental in building
up comprehensive, swift and uniform technology for modern payment instrument
services, standardizing hardware for card and ATM services, and reducing the
costs of operating and developing payment instruments processing. Bankart’s
business orientations take into consideration developmental trends in the
modern payments system, the desires and needs of banks, and the requirements
of international card organizations. Bankart is striving to consolidate its
position as Slovenia’s leading processing center. By offering high quality
and the technologically most sophisticated services, it is looking to become a
top international processing center for the region. For more information
about Bankart, go to .

About Trintech

Founded in 1987, Trintech is a leading provider of secure electronic
payment infrastructure solutions for card-based transactions for physical
world commerce, eCommerce and mobile commerce. The company offers a complete
range of payment software products for credit, debit, commercial and
procurement card applications, as well as being a world leader in the
deployment of payment solutions for Internet commerce that are fully SSL and
SET(TM) compliant. Trintech’s range of scalable open systems architecture
solutions for UNIX(R) and Windows NT(TM) platforms covers consumer, merchant
and financial institution requirements for physical payments and the emerging
world of electronic commerce.

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EMV ENABLER

VISA International selected TietoEnator as one of its partners for a changeover whereby the Visa payment cards in Central and Eastern Europe, the Middle East and Africa are changed to comply with the EMV chip card standard. For TietoEnator, this means close cooperation with the Visa community in an area where more than 500 banks operate in 92 countries.

TietoEnator is one of the 11 chosen partners who offer member banks their special knowledge in the transition of both Visa cards and their entire processing chain into new chip card technology.

“TietoEnator’s know-how in chip card technology and payment solutions, as well as project management and consulting experience are our trump cards, based on which we are expecting very positive outcome from our cooperation with the Visa partner network,” says Mr Veli Pohjolainen, Senior Executive Vice President of TietoEnator and head of TietoEnator Finance Sector.

The changeover to chip cards will mean that new cards need to be distributed and taken into use. The EMV standard defines a common technological basis for changing all the world’s Eurocard, MasterCard and Visa payment cards into chip-based versions. Chip cards serve to enhance the security of card payments.

With a staff of 10,000 and annual net sales of 1.1 billion euro, TietoEnator is a leading supplier of high value-added IT services in Europe. TietoEnator provides consulting, systems development and integration, operation and support, product development services for customers, and software services. The Group has in-depth knowledge of its customers’ businesses in areas such as telecommunications, finance, the public sector and the forest and energy industries.

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GLOBAL CORPORATE CARDS

MasterCard and Card Tech Limited, a payment card systems and solutions provider headquartered in London, have teamed to develop a software solution that will offer MasterCard member financial institutions extended global capabilities for their MasterCard Corporate Card programs. The agreement will enable MasterCard’s Corporate Card issuers to provide detailed reporting capabilities, such as line-item detail, travel records, lodging, purchasing and sales tax information in local denominations from many global markets. MasterCard card programs that will benefit from the agreement include the MasterCard Corporate Card, the MasterCard Corporate Purchasing Card and the MasterCard Corporate Multi Card.

As part of the agreement, CTL will enhance its current commercial card functionality to provide customized software systems and international corporate card processing support for MasterCard’s Corporate Card-issuing institutions. As a result, MasterCard Corporate Card issuers will be able to offer extensive integration with MasterCard’s existing data management tools, such as MasterCard Smart Data OnLine, in markets around the globe.

Additionally, MasterCard’s agreement with CTL will permit corporate card administrators enhanced capabilities for multi-level authorization control, centralized/individualized billing requirements, as well as purchase reporting functionality. For example, the solution from CTL will enable MasterCard member institutions to provide card programs with multi-dimensional reporting hierarchies for customized data delivery, helping to conform with strict budgetary controls found in many corporations.

Other benefits for the member financial institution will include features to block merchant category codes according to specific types of merchants and enhanced risk control through the ability to monitor risk exposure on a divisional or individual basis.

“The relationship with CTL translates into significantly expanded capabilities and service offerings for MasterCard, its issuers and their corporate clients in the global marketplace,” said Steve Abrams, Corporate Payment Solutions, MasterCard International. “Our combined efforts with CTL will arm MasterCard members around the world with one of the most comprehensive and flexible corporate card programs in the industry. Now, more than ever, MasterCard will deliver to cardholders an unparalleled level of service in data delivery, acceptance and support.”

Through CTL, MasterCard financial institutions will receive full life-cycle support offered through fast-track implementation, integration, certification and training for the configuration of commercial programs required. Additionally, CTL has dedicated substantial local customer support for the financial institutions that utilize the service. Development of the MasterCard/CTL solution is currently underway, with roll-out beginning October 2001.

“CTL is pleased to enhance its services to support MasterCard’s suite of corporate programs,” said Jaffar Agha-Jaffar, managing director of CTL. “This milestone effort will enable MasterCard’s members to offer multi-currency, multi-country functionality, specifically tailored to the needs of their corporate clients. It represents a significant step in CTL’s commitment to the commercial card market.”

About Card Tech Limited

CTL is the leading provider of software solutions for the international bank card industry. It is working with more than 150 financial institutions operating in over 60 countries worldwide. The company is based in the United Kingdom, with offices in Cyprus, Malaysia and Russia; it guarantees compliance and backs up all of its systems with full 24-hour lifecycle support.

About MasterCard International

MasterCard International has the most comprehensive portfolio of payment brands in the world. More than 1.7 billion MasterCard(R), Cirrus(R) and Maestro(R) logos are present on credit, charge and debit cards in circulation today. An association comprised of more than 20,000 member financial institutions, MasterCard serves consumers and businesses, both large and small, in 210 countries and territories. MasterCard is the leader in quality and innovation, offering a wide range of payment solutions in the virtual and traditional worlds. MasterCard’s award-winning Priceless(R) advertising campaign is now seen in 81 countries and in more than 36 languages, giving the MasterCard brand reach and scope unrivaled by any competitor in the industry. With more than 21 million acceptance locations, no card is accepted in more places and by more merchants than the MasterCard Card. In 2000, gross dollar volume exceeded US$857 billion. MasterCard can be reached through its World Wide Web site at http://www.mastercard.com/.

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Target Card Access

While Target is gearing up to launch a ‘smart VISA’ card next month, the retailer said this week it has deployed edocs’ ‘eaSuite’ to enable its millions of ‘Target Guest Card’ holders to manage their accounts online at Target’s Web site and online store. Cardholders can now track spending, pay statements, and view their last six statements electronically. Customers will also be able to create direct payments from checking accounts, pay with electronic checks, and schedule e-mail reminders before payment due dates. ‘eaDirect’ transforms a guest’s transactional account history via a personalized online, interactive communications vehicle. Target is also using edocs’ ‘eaPay’ solution, which clears electronic and traditional payments with cardholders’ banks and notifies users and billers of any transaction errors, such as insufficient funds in a cardholder’s checking account. eaPay also allows customers to choose their preferred payment method, including standard checking, ACH, credit card or a leading payment processor. It also permits customers to initiate and track their online payments without leaving Target’s Web site. Target will also have the ability to see payments not yet cleared by banks. Target will issue the new ‘smart VISA’ cards through its Retailers National Bank affiliate, and will deploy smart card POS terminals in all 990 Target Stores by the spring of 2002. Target currently has 36.4 million retail credit card accounts. (CF Library 6/20/01)

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