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.


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.



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.



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.



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

“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

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
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

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.



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.



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/.


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)


MeT Initiatives

Ericsson, Matsushita, Nokia, Siemens and Sony Corporation are pleased to announce that NEC has joined the MeT Initiative. The companies are jointly developing an open and common industry framework for secure mobile electronic transactions. The aim of the MeT initiative is to develop safe and easy methods and platforms for conducting e-commerce transactions on mobile phones. MeT also works to facilitate the development of innovative new services and applications, benefiting customers and service providers alike.

“The MeT initiative is very pleased to welcome NEC as its latest member. In a year of existence, the MeT initiative has already achieved success with the introduction of its first specifications for secure mobile transactions. Introducing NEC as a sponsor adds great value to the MeT Initiative and we are looking forward to their contribution to our specification work,” said Martti Granberg, chairman of the MeT Initiative. “We would also like to take the opportunity to welcome all companies active in the secure mobile transactions environment that share our basic views to join MeT.”

“NEC is one of the leading companies in Mobile Internet Industries and expects that Mobile e-commerce business will grow rapidly in the near future,” said Ben Nakamura, Associate Senior Vice President and Executive General Manager of NEC’s Mobile Terminals Operations Unit. “The key to success is open architecture of the specification, and in this sense MeT is playing an important role in the industry. NEC will make its utmost effort to contribute to standardization of the specification.”

The MeT Initiative was formed in April, 2000, with the purpose of jointly developing an open and common industry framework for secure mobile electronic transactions. The initiative uses existing and emerging standards to create a common framework that will facilitate the fast adoption of trusted mobile commerce services globally.

The MeT technologies and concepts will work on all networks, with all services, and on all mobile devices. They will draw on existing industry standards such as WAP, Wireless Transport Layer Security (WTLS), Wireless Identification Module (WIM), Public Key Infrastructure (PKI) and Bluetooth. Privacy and security will be ensured with digital signatures and cryptography services for transaction verification, confidentiality, authentication, and non-repudiation. Examples of MeT based applications include secure access and use of personal credit cards, debit cards, loyalty schemes, and ticketing.

More information can be found at www.mobiletransaction.org.

About NEC

NEC Corporation is a leading provider of Internet solutions, dedicated to meeting the specialized needs of its customers in the key computer, network and electron device fields through its three market-focused in-house companies: NEC Solutions, NEC Networks and NEC Electron Devices. NEC Corporation, with its in-house companies, employs more than 150,000 people worldwide and saw net sales of 5,409 billion yen (US$43 billion) in fiscal year 2000-2001. For further information, please visit the NEC home page at www.nec.com.

About Ericsson

Ericsson is the leading communications supplier, combining innovation in mobility and Internet in creating the new era of Mobile Internet. Ericsson provides total solutions covering everything from systems and applications to mobile phones and other communications tools. With more than 100,000 employees in 140 countries, Ericsson simplifies communications for customers all over the world. For more information about Ericsson, visit the Website at www.ericsson.com/pressroom.

About Nokia

Nokia is the world leader in mobile communications. Backed by its experience, innovation, user-friendliness and secure solutions, the company has become the leading supplier of mobile phones and a leading supplier of mobile, fixed and IP networks. By adding mobility to the Internet Nokia creates new opportunities for companies and further enriches the daily lives of people. Nokia is a broadly held company with listings on six major exchanges. Further information about Nokia at www.nokia.com.

About Matsushita

Matsushita Communication Industrial Co., Ltd., a consolidated subsidiary of Matsushita Electric Industrial Co., Ltd., best known for its Panasonic- brand products, is one of the world’s leading manufactures of mobile phones for the global market. The company’s contributions to the mobile communications industry include W-CDMA wireless infrastructure products, information platforms, and terminal products for mobile multimedia. For more information about Panasonic’s mobile communications, please visit www.mci.panasonic.co.jp/english.

About Siemens IC Mobile

The Siemens Information and Communication Mobile Group (26,000 employees, sales of 6 billion EUR in first 9 months of FY 2000) offers a complete range of mobile telephone products including devices, infrastructure and applications. Devices include mobile phones, ISDN phones, mobile organizers, cordless and corded phones. The infrastructure portfolio includes the complete range of network technologies from base stations and switching systems to applications and intelligent networks. For more information about Siemens, please visit www.siemens.de/ic/mobile.

About Sony Corporation

Sony Corporation is a leading manufacturer of audio, video, game, communications and information technology products for the consumer and professional markets. With its music, pictures, computer entertainment and on-line businesses, Sony is uniquely positioned to be a leading personal broadband entertainment company in the world. Sony recorded consolidated annual sales of nearly US$ 60 billion for the fiscal year ended March 31, 2001. Sony’s Home Page URL: www.world.sony.com



eONE Global, LP, an innovator in identifying and developing emerging
payment technologies, announced it will name its mobile operating
business, Encorus Technologies. “Mobilizing the power to
purchase,” Encorus Technologies will focus on building a flexible and open
infrastructure and efficient payment processing services to drive the
acceptance and usage of mobile payments worldwide.
On August 24, eONE Global announced it would acquire the assets comprising
the M-Business division of Brokat Technologies, a leading provider of
software and infrastructure for wireless applications. These M-Business
division assets, including Brokat’s secure, convenient and flexible
PaymentWorks product family, will provide the foundation for this new eONE
Global company.

The name “Encorus” is derived from the words “encore”(repeating great
performance) and “chorus” (together in harmony), representing the company’s
philosophy and commitment to excellence, flexibility, and working together
with mobile operators and merchants to make using mobile phones a standard way
to pay.

“The name Encorus captures our vision of building a worldwide community of
mobile operators, merchants and consumers, powerfully connected through an
open global standard for mobile purchasing,” said Garen Staglin, president and
CEO of eONE Global. “Creating such a standard will eliminate network
fragmentation and other challenges that exist today in mobile commerce. By
connecting operators and merchants with a universal payment infrastructure
that’s easy to use and secure, we can help our customers more quickly realize
the opportunities in mobile purchasing and provide consumers with a more
convenient, cashless payment method.”
eONE Global is majority owned by First Data Corp. (NYSE: FDC), the world’s
leading payment processor, which has relationships with more 2.6 million
merchant locations and 1,400 card issuers, routing and settling more than nine
billion transactions annually. iFormation Group, a company that partners with
the Global 2000 to build new companies, and whose founders are The Boston
Consulting Group, General Atlantic Partners and The Goldman Sachs Group, is
the other investor in eONE Global.

“Encorus will leverage First Data’s relationships, experience in merchant
acquiring and large scale routing and settlement network,” added Staglin.
“This new company provides real marketplace advantages in its ability to grow
the acceptance for mobile payments.”

Brokat already has relationships with Vodafone, the largest mobile
operator in the world, and T-Motion, the mobile online services arm of
Deutsche Telekom AG group. These customers will continue as customers of
Encorus, enabling them to provide complete mobile payment solutions to their
more than 125 million subscribers.

By overcoming security, connectivity and device limitations, mobile
operators can now begin to realize the benefits of mobile business, including
new revenue streams and increased customer loyalty, integrated with their
existing infrastructure — prepaid cards and the telephone bill. Merchants
gain efficiencies and new revenue sources, including payments for pay-per-
download products and services.

Upon closing, Brokat’s former M-Business division will begin marketing the
scalable payments software, PaymentWorks, under eONE Global’s Encorus brand.
With the ability to manage millions of users and high transaction volumes, the
PaymentWorks solution uses open standards and enables mobile operators to
offer customers secure, easy-to-use mobile payment services. A consumer’s
payment details are stored in a virtual wallet, which can be used to pay for
goods and services via their mobile phone. Easy to implement, the PaymentWorks
platform uses open architecture, works with existing technology, handles both
micropayments and macropayments, and provides authentication and authorization

Encorus will focus on facilitating digital content micropayments (smaller
transactions of less than one US dollar or one euro), and secure Internet
macropayments with debit or credit cards, expanding into person-to-person
payments and point-of-sale macropayments during the first half of 2002.
Implementations have begun in Europe, and will rapidly move into Asia and the
United States. By 2005, the Tower Group expects the number of mobile payment
users in Europe and Asia to exceed 54 million.
The sale of Brokat’s mobile division to eONE Global is expected to be
completed by mid November, following Brokat shareholder approval and standard
closing conditions, including approval by the German Federal Cartel Office.
Upon closing, eONE Global will launch its new operating unit, Encorus
Technologies, which will assume ongoing development and marketing of Brokat M-
business products and payment processing services under the Encorus brand.
Mobile payments is the third leg of eONE Global’s mission to capture and
commercialize emerging payment technologies. eONE Global has two other
operating units: govONE Solutions, focused on delivering electronic payment
solutions to governments; and SurePay, which creates trusted electronic
business payment services that complete the financial supply chain for leading
corporations and trading networks on a global scale.

About eONE Global

As the leading source for accelerating payment innovation, eONE Global, LP
( ) identifies, develops, and operates emerging payment
systems and related technologies spanning the business, government and
consumer markets. Its operating companies include SurePay, LP
( ), which creates trusted end-to-end electronic business
payment solutions and services that complete the financial supply chain for
corporations and trading networks on a global scale, as well as govONE
Solutions, LP (http://www.govONEsolutions.com), which enables businesses and
consumers to make government payments electronically. eONE Global is owned by
global e-commerce and payment services leader First Data Corp.
( ) and iFormation Group ( ), a
company founded by The Boston Consulting Group, General Atlantic Partners, LLC
and The Goldman Sachs Group, to build technology-enabled businesses in
partnership with the Global 2000.

About Brokat Technologies AG
Brokat Technologies AG (Neuer Market: BRJ, Nasdaq: BROA) is a leading
European provider of software and services for flexible e-finance solutions.
Based on standardized software components, Brokat develops customized
solutions for banks, insurance companies and other financial services
providers offering online services to their customers. The advanced multi-
channel capabilities allow financial institutions to provide high levels of
service to customers on the Web, on wireless devices, via ATMs, through call
centers, and in person in branch offices. Brokat was founded in 1994 and is
among the pioneers in the sector of electronic financial services. Over 2,000
companies use Brokat solutions. Among these are Allianz, ABN Amro, Advance
Bank, LBBW, MLP, and SE-Banken. Further information is available at


NPC Renews Pep Boys

National Processing Company, a leading provider of merchant credit card processing and a wholly owned subsidiary of National Processing, Inc., announced the renewal of a multi-year credit card processing agreement with Pep Boys. Under the terms of the agreement, NPC will provide Pep Boys authorization and settlement services for all credit and debit card transactions.

Pep Boys is the nation’s leading full-service automotive aftermarket retail and service chain with nearly 6,500 service bays, 12.9 million square feet of retail space, and 1.9 million square feet of warehouse space. They serve all four automotive aftermarket segments: the do-it-yourself, do-it-for- me, buy-for-resale and replacement tires; and pride themselves on providing the best customer service and the highest quality service work available anywhere.

“NPC has maintained a long-term relationship with Pep Boys underscoring the importance that we place on providing premier service and quality products, said Mark D. Pyke, executive vice president of Merchant Services for NPC. “Pep Boys has benefited from NPC’s expertise in the industry and the economies of scale we provide.”

“We have relied on NPC to provide cost-effective merchant processing solutions that fits right in line with the way we do business,” said James Monyak, controller of Pep Boys. “Partnering with NPC has allowed us to focus on issues critical to our business, without sacrificing any control or quality of our payment system. Fast, efficient, hassle-free checkout is paramount in our business and NPC’s solution exceeds our customers’ expectations.”

About Pep Boys

Pep Boys, who is celebrating its 80th anniversary this year, operates 629 stores and over 6,500 service bays in 36 states and Puerto Rico. Along with its vehicle repair and maintenance capabilities, the company also serves the commercial auto parts delivery market and is one of the leading sellers of replacement tires in the United States. Customers can find the nearest location by calling 800-PEP-BOYS or by visiting .

About National Processing, Inc.

National Processing, Inc. through its wholly owned operating subsidiary, National Processing Company (NPC(R)) is a leading provider of merchant credit card processing. National Processing is 86 percent owned by National City Corporation (NYSE: NCC) ( ), a Cleveland based $94 billion financial holding company. NPC supports over 600,000 merchant locations, representing nearly one out of every five Visa(R) and MasterCard(R) transactions processed nationally. NPC’s card processing solutions offer superior levels of service and performance and assist merchants in lowering their total cost of card acceptance through our world-class people, technology and service. Additional information regarding National Processing can be obtained at .