National Processing Company
a leading provider of merchant credit card processing and a wholly
owned subsidiary of National Processing, Inc. announced the
signing of an agreement with JAL Hotels Company Ltd. to utilize NPC Commission
Express for its commission payment and reporting services. NPC Commission
Express is one of the travel industry’s leading third-party electronic
settlement systems, currently settling commission payments for over 110,000
travel agencies in more than 25 different currencies.

JAL Hotels Company Ltd. (JAL Hotels), a hotel operating company, was
established in 1970 as a subsidiary of Japan Airlines. The company currently
operates two brands of hotel properties: Nikko Hotels International (NHI) and
Hotel JAL City. NHI is a hotel chain that provides luxury facilities and
services at urban locations and resort destinations around the world. Hotel
JAL City is an independent brand focusing on the specific needs of the
business traveler, predominantly at locations along Japan Airline domestic
route destinations.

“We are delighted to partner with JAL Hotels,” said John T. McRae, II,
Senior Vice President of Payment Services for NPC. “JAL Hotels is known
throughout the world for providing first-class products and services. NPC
Commission Express will enable JAL Hotels to enhance their product offerings
— speeding commission payments to the agents that sell their products and
services worldwide.”

“NPC ‘s broad-based knowledge and experience delivering payment solutions
to the travel industry made them the logical choice for our automated
commission disbursements,” said Nobuaki Tatsuoka, deputy executive officer of
Marketing & Operations for JAL Hotels Company Ltd. “We will begin using NPC’s
services for our properties in Japan, and then eventually expand to properties

About JAL Hotels Company Ltd.

JAL Hotels Company Ltd. has a capital of 4.272 billion yen, and its 2000
sales amounted to 129 billion yen. The company operates two hotel brands;
“Nikko Hotels International” and “Hotel JAL City”, with a total of 51 hotels
(30 in Japan and 21 overseas), and 16,346 rooms.

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 .


AAdvantage Alamo

Alamo Rent A Car is awarding triple ‘AAdvantage’ or ‘AOL AAdvantage Miles’ and a free upgrade to corporate customers and members who rent through ‘Quicksilver’ between now and December 18.(R) and are members of the AAdvantage or AOL AAdvantage program. Alamo serves customers at 109 locations in the USA and Canada, and more than 400 international locations in Europe and Latin America.



National Processing Company has signed an agreement with JAL Hotels Company to utilize ‘NPC Commission Express’ for its commission payment and reporting services. The NPC settlement system currently settles commission payments for over 110,000 travel agencies in more than 25 different currencies. JAL operates Nikko Hotels International and Hotel JAL City with a total of 51 hotels.



Official Payments Corporation has signed Spink, Hughes, Clay and Davidson County in South Dakota to service agreements to enable taxpayers to pay their real estate tax obligations with credit cards over the Internet or via the telephone. OPC has agreements to collect and process credit card payments with the IRS, 18 state governments, the District of Columbia, and over 900 county and municipal governments in 48 states across the United States. In 2000, OPC collected and processed over $925 million in federal, state and local government payments.


PayPal Users

PayPal confirmed this week it has surpassed 10 million registered users in more than 35 countries. The on-line payment service is used to settle more than 1 in 4 eBay auctions, with PayPal members spending approximately $10 million a day in 200,000 transactions. PayPal Shops offers a directory of more than 18,000 on-line merchants that prefer to be paid through PayPal. Using PayPal, online shoppers can charge payments to their credit cards or transfer funds from their checking accounts without revealing account information to the Web site at which they are shopping.


Global Level 3

Global Payments has certified Internet technology provider, 3Delta Systems. This suite of Web-based payment processing solutions extends the functionality of Global Payments’ purchasing card offering to include Internet processing for ‘Level III’ transactions. VA-based 3Delta Systems primary focus is to provide multi-functional payment systems to merchants doing business with corporate or government customers.



Unica Corporation announced that RBC Royal Bank has selected Affinium software to automate the development and execution of the bank’s targeted marketing campaigns for its Visa credit card customers in Canada. Unica is an award-winning provider of customer analytics and marketing automation solutions.

As a modular, cross-channel marketing automation solution, Affinium can execute targeted direct mail, statement insert and telemarketing campaigns. Affinium provides time and cost savings and offers greater flexibility for future business use. This allows marketers and technical staff to do their jobs faster and easier, and it frees marketers to focus on strategy and segmentation.

“Affinium met RBC Royal Bank’s requirement to support multiple platforms, including IBM’s DB2 and NCR’s Teradata databases,” said John Katsoris, senior manager, marketing science, Cards Services at RBC Royal Bank. “Unica’s background in analytics and customer references also was an important factor in the selection of Affinium.”

Unica’s Affinium required no custom programming, allowing the bank to continue using its current, proven target marketing processes. It took approximately one month for Unica and RBC Royal Bank to install Affinium and create and validate the results of two marketing campaigns.

“RBC Royal Bank is a customer-centric organization with sophisticated marketing requirements,” said Yuchun Lee, co-founder and CEO of Unica. “As a company focused on customer success, we are pleased to help the bank’s efforts to provide relevant marketing for its customers. Affinium’s strength, openness and scalability allowed us to implement the system quickly for RBC Royal Bank. We are dedicated to providing the most open and flexible marketing and analytic solution available.”

About RBC Royal Bank

RBC Royal Bank is the personal and commercial banking division of RBC Financial Group, the brand name used by Royal Bank of Canada (TSE, NYSE: RY) and its subsidiaries. Royal Bank is Canada’s largest bank as measured by market capitalization and assets, and is one of North America’s leading diversified financial services companies. It provides personal and commercial banking, wealth management services, insurance, corporate and investment banking, and transaction processing services on a global basis. The company employs more than 58,000 people who serve more than 12 million personal, business and public sector customers in North America and in some 30 countries around the world. For more information, please visit www.royalbank.com.

About Unica

Unica, a provider of award-winning analytical CRM and marketing automation solutions, helps leading businesses implement one-to-one customer interaction strategies that communicate the right message to the right person at the right time – whatever the channel. Affinium, Unica’s modular, cross-channel marketing suite, delivers deep functionality for data mining and predictive modeling, customer interaction and campaign management, reporting, and real-time personalization. Hundreds of businesses worldwide rely on Unica’s software, services, and expertise to build profitable customer relationships and achieve marketing success. Headquartered in Lincoln, Mass., Unica is privately held with offices throughout the U.S. and a network of distribution partners in Europe, South Africa, and South America. Its customers include Lands’ End, Bank of Montreal, Fingerhut, Merck-Medco, ABN AMRO, United Parcel Service, Marriott, Scotiabank, and AOL-AAdvantage. For more information, call 781-259-5900 or visit www.unicacorp.com.


DPS Transactions

VISA Debit Processing Service has reached the milestone of six billion check card transactions, and should cross the seven billion level within the next two months. Within five years, VISA DPS has become the third largest issuing processor of VISA transactions in the USA and currently processes 11% of all VISA U.S.A. transaction volume. VISA DPS provides processing support for four of the top six VISA check card issuers, including Bank of America, First Union, Washington Mutual, and Bank One. VISA DPS also provides processing support for 22 of the Top 100 credit unions in the country.



In his opening keynote address at the University of Edinburgh’s seventh international conference on credit scoring and credit control, Fair, Isaac and Company’s chief technology architect stated unequivocally that a new revolution in decision technology is underway and will transform how the global financial services industry–and many others–make decisions on their prospects and customers now and in the future.

Speaking to an audience of 230 global business leaders and academics from around the world, Larry Rosenberger talked about a new science for creating optimized strategies using analytics–a milestone that he said is fueling the “third revolution in decision technology.”

“Fair, Isaac pioneered credit scoring in the 1960s. By the mid-seventies, we saw the first big wave of lenders use credit scoring to make better decisions. This was the first decision revolution–and it was about prediction and insight–about improving risk assessment with data and using that to measure credit quality,” said Rosenberger, widely acknowledged as a leading expert on advanced analytics and decision technology. “The second revolution was about decisions. In the mid-1980s, we created the first adaptive control systems to help our clients improve complex decision strategies empirically through experimentation–a milestone that enabled lenders to manage customers more consistently and profitably,” he said.

Today, Rosenberger said, Fair, Isaac has found what he termed “the missing link” in decision technology–the ability to design the decision strategy itself. What was missing, until now, in the decision technology paradigm was the ability to design flexible strategies guided by data rather than purely subjectively.

“The `third revolution’ in decision technology,” Rosenberger said, “will replace the guesswork in strategy design and amplify a company’s business expertise with science. A new breed of analytics–decision analytics–will change the way a company designs decision strategies, just as predictive analytics changed the way a company understood its prospects and customers,” he said.

Fair, Isaac’s Strategy Science has been in development for more than three years. The first application of the new science, Credit Line Strategy Optimization(TM) service, developed for the financial services industry, was introduced in the U.S. in June and has already been adopted by three major U.S. card issuers. Additional applications for financial services as well as other data-driven industries are expected to reach the market by the end of 2001.

Fair, Isaac: A Growing Presence on The World Stage

Rosenberger’s appearance in Edinburgh underscores Fair, Isaac’s expanding presence in Europe and the U.K.–as well as in most major international markets. Over the last 12 months, Fair, Isaac has experienced significant international growth evidenced by major contracts in the U.K. and Europe, Latin America, and Asia, as well as by a number of important deals in the U.S.

In addition to the stepped-up demand for Fair, Isaac solutions on the global stage, the U.S. continues to be the company’s flagship market with strong growth in the depth and scope of key customer relationships.

About Fair, Isaac

Fair, Isaac and Company is a global provider of customer analytics and decision technology. Widely recognized for its pioneering work in credit scoring, Fair, Isaac revolutionized the way lending decisions are made. Today the company helps clients in multiple industries increase the value of customer relationships. Headquartered in San Rafael, California, the company reported revenues of $298 million for fiscal 2000.