Banksys, Europay International, Interpay, Proton World, Sermepa, Sistema 4B
Visa International, who announced their partnership in September 2000, joined
by Cartes Bancaires in January 2001, have started the implementation and
validation of e-purses based on the CEPS (Common Electronic Purse
Specifications) technology. The project is named “Ducato”.
The project’s name comes from the ducato d’oro, the golden coins issued by
Venice in the fourteenth century, that became the world’s first
accepted currency.

The Ducato project’s objectives are to validate the CEPS-related technology in
a real, international environment, and to demonstrate interoperability,
different countries and different e-purse technologies, schemes, brands,
clearing systems and hardware. The project will show that CEPS are reliable,
ready for implementation and supported by industry-leading vendors and
financial institutions.
The partners in the Ducato project are:

· Banksys (the operator of the Bancontact/Mister Cash debit card system and
Proton e-purse system in Belgium)
· Europay International (the manager the Clip e-purse brand and provider of
EPSS and ECCSS international transaction-processing networks)
· Groupement des Cartes Bancaires “CB” (the French banking chip cards
· Interpay (the operator of the Chipknip e-purse scheme in the Netherlands)
· Proton World (the provider of CEPS-based e-purse technology to Banksys and
· Sermepa (the Spanish operator and provider of the “Advantis” CEPS-based
e-purse technology to Sermepa members and to Groupement des Cartes Bancaires
· Sistema 4B (the operator and CEPS-based e-purse technology provider to the
Monedero 4B e-purse scheme in Spain)
· Visa International (the owner of the Visa Cash e-purse brand and the
of the VisaNet international transaction-processing network)

The technical integration work required for the project has already begun. In
September 2001, a limited quantity of CEPS-based e-purse cards will be issued
in Belgium, France, the Netherlands and Spain in live environments. In total,
three different CEPS-based e-purse technologies will be used, and the project
will demonstrate interoperability between them, both domestically and
internationally. The project is scheduled to end in the fourth quarter of


VeriStar Execs

VeriStar Corporation, the leading provider of automated authentication services and biometrics-based payment systems, announced the appointment of Frank S. Pierce as senior vice of marketing and business development, Deborah Eudaley as vice president and CFO, and Ryan Ross, Senior Vice President of Sales. “VeriStar’s voluntary service gives consumers access to their credit, debit, checking and loyalty accounts without having to use plastic cards and paper,” said Philip Gioia, CEO of VeriStar Corporation. “Frank, Deborah and Ryan’s experience and expertise in the consumer payment industry is proven. They have already made positive impacts at VeriStar, and continue to show leadership and relevance to our people, partners and customers.” VeriStar Corporation provides fast, secure tokenless access to financial accounts and services with the aid of biometric recognition of consumers who voluntarily enroll in the free service. VeriStar owns the patents enabling these services. Via VeriStar’s voluntary free service, consumers gain fast, secure, cardless, paperless, and completely tokenless access to their accounts

— credit, debit, checking, loyalty — to make electronic payments at the point of sale, via wireless devices, such as cell phones and PDA’s, or over the Internet.

VeriStar Management Profiles

Deborah Eudaley

Vice President, Finance & Chief Financial Officer

Ms. Eudaley is responsible for managing all VeriStar’s finance and legal activities. Prior to joining VeriStar, she was CFO at Alibris, an e-commerce company, and at PlaceWare, a leader in webconferencing software and services. In both companies, she played a key role in developing the business and raising significant equity investments. Prior to joining PlaceWare, she was with Silicon Graphics, Inc, (NYSE:SGI) as controller of Digital Media Systems, a $500 million desktop systems division, and also director of finance and information systems of the NT workstation division. At Oracle Corporation (Nasdaq:ORCL), Ms. Eudaley held the position of director of planning and analysis for Oracle Americas division. Earlier in her career, Ms. Eudaley held a variety of positions in finance and operations at TRW, Pacific Telesis and ComputerLand. She holds a B.A. in French from the University of California at Berkeley and an M.B.A. in finance from California State University, Hayward.

Ryan Ross

Vice President, Sales

Mr. Ross is responsible for worldwide sales. Previously he was vice president of e-Visa at Visa U.S.A., located in Foster City, California. As a member of the Merchant and Business-to-Business sales group, he was responsible for expanding acceptance of Visa Consumer and Commercial Card electronic payments and new e-commerce products and services. Mr. Ross currently sits on the National Retail Federation e-commerce board as an industry advisor. In a 15-year career at Visa he was responsible for developing purchasing card acceptance in the business-to-business industry and worked on developing credit card acceptance for the supermarket industry. At Visa International he was a product manager of Visa Access Point; a network access device for credit card authorization and settlement that allows Visa member banks to access the VisaNet systems and supported Visa’s regional offices in expanding access to VisaNet, Visa’s transaction-processing network. He began his career at Visa in 1986, as Point Sales Analysis, supporting the Emerging Point of Sale Merchant and Banking divisions. Prior to joining Visa, Mr. Ross working in the high-tech industry at ComputerLand and Control Data, both located in San Francisco. Mr. Ross received his Bachelor of Science degree in marketing from Golden Gate University.

Frank S. Pierce, APR, PDM

Vice President, Marketing and Business Development

Mr. Pierce is responsible for all aspects of marketing, strategic alliances and corporate communications. Previously Mr. Pierce was vice president for global marketing for Hypercom Corporation (NYSE:HYC), a $350 million payment technology company represented in 100 countries. Prior to that Mr. Pierce was vice president, marketing and investor relations for National Health Enhancement Systems (Nasdaq:NHES), now a subsidiary of McKesson-HBOC. He has also directed marketing and corporate communications for Farm Bureau Insurance Cos., State Farm Insurance Cos., Cityhill Publishing, a trade book publisher, and Vision Creative Group, a regional marketing consultancy. His work has been frequently recognized for excellence with PRISM awards for public relations, AMBIT awards for consumer and business-to-business direct marketing, Addy Awards for advertising, and for corporate communications. Mr. Pierce is a graduate of the University of Missouri-Columbia School of Journalism. He is accredited in public relations (APR) by the Public Relations Society of America and in direct marketing (PDM) by the National Center for Direct Marketing at the University of Missouri-Kansas City Bloch School. His MBA studies have been at the University of Kansas and Arizona State University.



Nationwide, which first launched internet banking in the UK, has today
improvements to its innovative banking service for personal digital assistants
(PDAs). The enhanced service will now include transfers between accounts and
bill payments.

Nationwide launched the service – still believed to be the only one of its
in Europe – in December last year. It operates on PDAs using the Microsoft
Pocket PC operating system.
Users are able to access account balances and a mini-statement (last 12
transactions) on up to 10 types of account, as well as view information about
products, via the Nationwide website at In addition to
they can now:

· Transfer money between Nationwide accounts;
· Pay a bill (if payee previously set up via Nationwide’s main internetbanking
service or in a branch);
· View a list of scheduled payments;
· Link to other sites suitable for viewing on PDAs.

Jim Willens, Nationwide’s e-commerce director, said: “We will continue to add
greater functionality to this and our main internet banking service, as
well as
rolling out new services for WAP phones and internet TV in the near future.
aim is to give members a greater choice in the way they do business with us.”
Notes to Editors:

Photographs and screen grab images of the PDA banking service can be obtained
from the Nationwide Press Office, telephone 01793 655198.
Alternatively, images can be downloaded from the Nationwide Media Centre at

Nationwide launched the UK’s first retail internet banking service in May
It has in excess of 600,000 members registered for online banking (February
Holders of the Nationwide FlexAccount current account, credit card,
InvestDirect, e-Savings, Instant Access ISA, Cashbuilder (card and passbook),
Smart Account (card and passbook) and Smart 2 Save can use the PDA service.
Customers must be registered for internet banking.

A suitable phone (mobile phone with infra-red modem or cable link, such as the
Nokia 6210, or a normal home phone connection using a modem), with a PDA (such
as Compaq iPAQ H3630) using Microsoft Pocket PC is required.

Anyone with a compatible device can view the service at There are also links to
other PDA-optimised sites covering topics such as news, sport, entertainment,
cookery and the Pocket PC operating system.


Aggregation Framework

BITS, The Technology Group for The Financial Services Roundtable, announced a major breakthrough for consumers interested in online financial services. The BITS Voluntary Guidelines for Aggregation Services establishes a framework for accelerating the adoption of popular new financial aggregation services in ways that are safe, sound, private and secure.

Financial aggregation is the process of gathering content from multiple sources and consolidating that information at a single location. With online financial aggregation, consumers can get a range of benefits–from seeing all their information in one place, to conducting financial transactions and, increasingly, optimizing their own financial management. BITS created these guidelines to help mitigate the potential risks associated with these new services.

The BITS Aggregation Services Working Group identified and categorized many of the opportunities and risks involved in the aggregation process. The initiative focused on providing guidelines, including business rules and security procedures, designed to minimize the risks and liabilities attributed to the screen-scraping process, which requires customers to share their authentication information with a third party in order to obtain a consolidated view of their accounts online.

According to James H. Blanchard, Chairman and CEO of Synovus Financial Corp. and Chair of the BITS Board of Directors, “BITS saw the need and stepped up to establish the ground rules for this important new consumer service. The result is a framework and set of guidelines to provide financial aggregation services in safe, sound, private and secure ways.”

“Consumers want the benefits that new technologies can provide,” said Gene Miller, Chairman, President and CEO of Comerica Incorporated and Chairman of the Board of Directors of The Financial Services Roundtable. “Leaders in the financial services industry want to bring these benefits to consumers while making sure that these services are provided with the kinds of safeguards that consumers count on. BITS’ leadership in this area is bringing real results to consumers. We commend and congratulate the efforts of all involved.” Recent studies indicate that consumer demand for aggregation services is accelerating rapidly. According to Celent, the number of users in the United States is expected to increase to 3.4 million in 2001, 9.52 million in 2002 and to more than 35 million by 2004.

More and more financial services companies and customers view the consolidation of financial information–a form of aggregation–as a baseline requirement for customer retention and service. Just as consolidated financial information is becoming a boilerplate option today, funds transfer, asset analysis and other optimization techniques will be on tomorrow’s basic aggregation menu. “As the industry moved rapidly toward enhanced aggregation functionality, we immediately saw the need to proactively address the safety and soundness of financial aggregation services,” said Gayle Wellborn, Consumer Advocacy Director, First Union, and Chair of the BITS Aggregation Services Working Group. “We’ve always supported the aggregation business model; however, we need to ensure that the service is performed in a manner that protects our customers. To achieve this goal, more than 200 representatives from 80-plus organizations, including financial services firms, U.S. banking regulators, aggregators and technology providers, worked through an intensive process to develop these BITS Voluntary Guidelines for Aggregation Services. “



The Royal Bank of Scotland Group, now the third largest bank in Europe by
market capitalization, has chosen Chordiant Software, Inc. has its preferred
platform for multi-channel Customer Relationship Management.
“After careful consideration, we have chosen Chordiant as our strategic CRM
platform and the standard for all new CRM developments within the Group,” said
Steve North, Head of Strategy and Architecture at The Royal Bank of Scotland
Group Technology. “This choice was based on Chordiant’s superior ability to
meet a specific set of requirements. These requirements included a proven
commitment to open standards and hardware platform independence.
“Integrating Chordiant with our existing infrastructure will provide us with
flexibility to rapidly change customer facing business processes, as and when
they are required in the light of new or evolving business needs in our
fast-changing environment. By combining the Chordiant platform with the
PrimeResponse campaign management application already in use, we can develop
highly personalized customer profiles and make these immediately available
across the enterprise.”
Selection of Chordiant as the strategic CRM platform for The Royal Bank of
Scotland Group follows evaluation against a number of competitive offerings.
The Royal Bank of Scotland Group already has a number of Chordiant
already under way.
“The Royal Bank of Scotland Group’s selection of Chordiant as its strategic
platform further reinforces our position as a leader in providing a true
enterprise-class, real-time Intelligent Customer Interaction Management (ICIM)
platform to financial world leaders,” said Sam Spadafora, Chordiant’s Chairman
and CEO. “At the same time, The Royal Bank of Scotland Group adds to our
growing customer portfolio of Global 1000 companies and underlines our
as a premier enterprise provider of customer acquisition, retention,
relationship marketing, service and relationship management services.”
Spadafora continued: “Companies in the business-to-individual (B-to-I) space
come to us because we deliver an enterprise-wide platform and intelligent
business and application services capable of embracing and enhancing existing
applications and real-time systems to service millions of individual customers
across multiple channels. The recent acquisition of PrimeResponse has added
global operations and partners to Chordiant, further expanding the breadth and
depth of our presence in our target markets.”
About Chordiant Software, Inc.
Chordiant Software ( ) delivers a
Unified CRM Solution that provides the Intelligent Customer Interaction
Management (ICIM) platform for enterprise-wide integration with existing
systems and Intelligent Business Services including: E-marketing, E-service,
E-selling, E-fulfillment services and embracing customer’s existing
applications. Chordiant’s solution is designed to solve the extreme customer
requirements of complex businesses serving millions of individual customers in
real-time and across multiple lines of business with the objectives of
satisfaction, retention, growth, and lifetime value.
Whether communicating via branch locations, Web, email, telephone, or wireless
access, the Chordiant Unified CRM Solution provides a real-time, single
view of
each customer and a consistent, personalized message for every interaction. It
includes a comprehensive business process engine, which allows companies to
implement best business practices across multiple touchpoints. Marketers can
maximize their marketing investment through the creation, execution and
refinement of sophisticated direct marketing initiatives that span both
traditional and online channels. Chordiant empowers high-value contacts
designed to retain customers, grow revenue and drive profits during every
Headquartered in Cupertino, California, Chordiant maintains regional
offices in
Boston; Chicago; Dallas; Denver; Manchester, New Hampshire; New York;
Amsterdam; London; Frankfurt; Munich; Paris; and Melbourne.
About the Royal Bank of Scotland Group
The Royal Bank of Scotland Group, founded in 1727, is one of Europe’s leading
financial services groups and one of the largest banks in the UK, operating in
Britain and throughout the world.
In March 2000 The Royal Bank of Scotland Group acquired NatWest, creating an
enlarged Group with a range of businesses serving personal, business and
corporate customers. In addition to the provision of a full range of banking
services under The Royal Bank of Scotland and NatWest brands, the Group also
includes Citizens Financial Group, based in Rhode Island USA; Direct Line, the
UK market leader in private motor insurance; and Ulster Bank, which
operates in
Northern Ireland and the Republic of Ireland.


Smarter Cards

Oberthur Card Systems has received VISA approval for its ‘GalactIC 2.1’ smart payment card. This latest addition to the ‘VISA Smart’ range offered by Oberthur is based upon ‘Open Platform 2.0.1’ and integrates RSA and PKI functionalities. It is the first multi-application payment card offering the RSA and PKI functionalities. Oberthur Card Systems is the number one supplier of VISA cards worldwide.


UNITED Kingdom

Teradata, a division of NCR Corporation
announced that it has signed a deal with the Co-operative
Group to implement an enterprise Teradata solution to collect and analyze
customer data from more than 1,100 retail outlets across the UK.
As part of the deal, an international team of Teradata consultants will
assist the organization with analyzing basket level transactional data
accumulated at each store over the last twelve months. The Co-operative Group
will use the resulting intelligence to derive a better understanding of the
way its customers use each individual outlet and consequently improve the
quality of their in-store shopping experience. Roll out of the solution began
in March and is expected to be completed in June.
With the majority of its retail outlets located in the High Street, the
Co-operative Group is in a unique position to take advantage of the increasing
trend toward local convenience shopping. To maximize the commercial benefits
of this shift, the retailer wanted to be able to provide increasingly tailored
customer offerings and a more fulfilling shopping experience. To do this
required a way of digging deeper into customer data to better understand their
needs. The Co-operative Group chose Teradata for its data warehouse solution,
Retail Decisions, business intelligence software, and supporting consultancy
and services.
Teradata’s proven scalability and performance made it the only platform
capable of providing the Co-operative Group with access to the unprecedented
level and depth of information needed to analyze customer preferences at each
of its UK stores. Teradata retail industry consultants, based in the UK and
Denmark, will work with Co-operative Group consultants for the duration of the
project to help analyze this information and produce detailed reports on
customer purchasing activity and merchandise stocking.
Customers will benefit from both better demand forecasting — ensuring the
right product is in the right place at the right time — and a more informed
selection of other relevant products they may want to purchase, based on what
they currently buy. The business intelligence provided by the Teradata
solution will also allow the organization to streamline its outlet stocking
operation. By fine-tuning the quantities of individual items held in each
store, the retailer can make gains in floor space and reduce inventory costs.
“As lifestyles change, people are relying more heavily on convenience
shopping rather than the traditional big weekly shop at the nearest
supermarket. By understanding the needs of our customers at each of our stores
we can provide them with the best of both worlds, the products they want at a
convenient local shopping location,” commented Keith Brydon, general manager
of Retail IT at the Co-operative Group. “Teradata demonstrated that it has
both the technology and expertise to help us deliver this.”
“The ambitious scale of this project is testament to both the Co-operative
Group’s commitment to its customers and its faith in Teradata technology and
consultancy,” said Dan Harrington, vice president, Northern Europe for NCR’s
Teradata Division. “This is an important win for Teradata and means we now
supply data warehousing solutions to nine of the top 15 UK retailers, a real
indication of the strength of our solutions and our retail industry
About Teradata Division
Teradata, a division of NCR Corporation, offers powerful analytical
solutions that help businesses drive growth. Teradata solutions include the
Teradata database, and analytical applications for customer relationship
management, operations and financial management, business performance
management and e-business. To learn more about Teradata Division and its
solutions, go to .
About NCR Corporation
NCR Corporation (NYSE: NCR) is a leader in providing Relationship
Technology(TM) solutions to customers worldwide in the retail, financial,
communications, manufacturing, travel and transportation, and insurance
markets. NCR’s Relationship Technology solutions include privacy-enabled
Teradata(R) warehouses and customer relationship management (CRM)
applications, store automation and automated teller machines (ATMs). The
company’s business solutions are built on the foundation of its long-
established industry knowledge and consulting expertise, value-adding
software, global customer support services, a complete line of consumable and
media products, and leading edge hardware technology. NCR employs 33,200 in
more than 100 countries, and is a component stock of the Standard & Poor’s 500
Index. More information about NCR and its solutions may be found at


Concord 1Q/01

Concord EFS reported this morning first quarter revenue of $375.6 million, an increase of 24% over 1Q/00. Net income for the first quarter rose from $42.2 million one year ago to $60.4 million. Concord says the company-wide consolidation plan that was announced in March, will eliminate redundancies and capture operating synergies as the company continues to integrate its recent acquisitions including the STAR network. For complete details on Concord’s 1Q/01 results visit CardData ([][1])




Optimal Robotics Corp., North America’s leading provider of retail
self-checkout systems, announced that it unveiled a new model of its U-Scan
Solo – a smaller version of the widely used U-Scan Express. The new, compact
design of the Solo makes it ideal for convenience stores and other retailers
with limited space (e.g. drugstores, departments within larger stores).

The modified Solo is approximately the size and height of a stand-alone
automated teller machine (ATM). The new version offers customers the same
“scan, bag, and pay” functionality of the original Solo – affording them a
convenient and quick self-checkout option. The Solo’s decreased height
cashiers with an unobstructed view of the system while sitting at the cashier

“While we have approximately 5,000 U-Scan Express terminals installed in more
than 42 states, we recognized that space-conscious retailers needed a smaller
system that would allow them to offer the same self-checkout options as larger
grocery stores,” said Henry Karp, President and Chief Operating Officer of
Optimal. “We specifically designed the latest U-Scan Solo to bring the
self-checkout experience to everyone, whether they are shopping in a big box
chain or a corner store.”

“We are confident in the prospects for the compact Solo to penetrate
markets and expand self-checkout technology into convenience stores and
drugstores,” said Karp. “Retailers of all sizes are striving to improve the
buying experience for their customers, and the U-Scan systems are an integral
part of that.”

About Optimal Robotics

Optimal Robotics Corp. is the leading provider of self-checkout systems to
retailers in North America. The Company’s principal product is U-Scan, an
automated self-checkout system that enables shoppers to scan, bag and pay for
their purchases with limited or no assistance from store personnel. U-Scan,
which the Company anticipates will process over 350 million shopper
transactions in 2001, is designed to reduce retailer checkout costs and
increase shoppers’ convenience.


WildCard Deal

NBO, Inc. marketing under the name, The Gift Certificate Company, located in Salt Lake City, Utah has signed an agreement with, WildCard Systems, Inc. located in Sunrise, Florida, the leader in delivering high-quality e-payment solutions.

The alliance between The Gift Certificate Company and WildCard Systems offers the retail environment all the necessary elements for a complete turnkey gift card program unique in the marketplace. The processing support, provided by WildCard Systems, makes it easy for multiple merchants to accept and process electronic payments via a stored value gift card without changing their point-of-sale equipment.

![][1] WildCard Systems is a technology leader in complex financial transaction processing, web-based applications and custom software development. In the relationship WildCard Systems will serve as the issuing processor, hosts the Internet applications for mall personnel, corporate clients and consumers, and provides online, real-time authorization, as well as all settlement functions. Furthermore, the company coordinates card production activities. WildCard Systems and NBO have both invested in and created cutting-edge technologies to provide our clients the most advanced solutions and unparalleled opportunities available today.

The Gift Certificate Company has been in the gift certificate business for over three years, with its main emphasis in mall gift certificates, utilizing a paper gift certificate, which can be redeemed at any merchant inside the mall. There are significant advantages to a plastic gift card, and the industry has been trying to move away from paper to a plastic gift card for some time now. With this agreement in place the strengths of two leaders in their respective industries have come together to offer features which clear the hurdles previously in the way of a successful gift card program being installed in a mall environment. Individual retailers have had plastic gift card programs in their own closed environments for quite some time now, but this relationship strengthens TGCC’s position to offer a top-notch program to broad groups of retailers. TGCC offers clients the ability to pick and choose portions of the program that meet their needs, like: Internet sales, order fulfillment, corporate sales, etc.

TGCC’s aggressive approach to business and experience in gift certificates will insure success in securing relationships with mall developers and individual retailers looking for a company to manage all or part of a gift card program that will take them into the next era of gift solutions for their consumers.

According to Keith A. Guevara, Chairman/CEO of NBO, Inc., “We have heard the shopping center industry’s call for a comprehensive gift card solution. Our clients know of our dedication to a turnkey solution. We told the industry we would not introduce a product to market until it met their needs and addressed their concerns. We feel confident the solution we propose has all the components the industry is looking for with the benefit of being flexible and cost effective to install and manage.”

“The alliance between The Gift Certificate Company and WildCard Systems offers many benefits to both mall operators and their merchants,” says Larry Park, President and CEO of WildCard Systems. “With a WildCard Stored Value Card, there are no special point-of-sale handling procedures; fast comprehensive reporting is available; and the gift value stays on the card until used within the mall environment. With WildCard’s unique targeted authorization capabilities, mall operators can offer gift card solutions to any group of merchants within the mall, to the entire mall or even across their mall properties. It’s a win-win situation for everyone.”

About WildCard Systems

WildCard Systems is an e-payments company that is the technology leader for electronic stored-value accounts and related Web-based software. Stored value (prepaid) type products, particularly those designed to make purchases on the Internet, represent the biggest untapped market for consumer payments. WildCard’s secure e-transaction platform is supported by a full range of services to deliver a complete host-based stored value solution for a wide range of vertical markets. The company has been selected by Visa, USA as a Preferred Processor for stored value payment systems. WildCard’s clients include leaders in each of its vertical markets and the top financial institutions in the country. Founded in 1997, WildCard Systems is a privately held, venture capital backed company. The company is headquartered in Sunrise, Fla. with offices in Silicon Valley, Orlando, Minneapolis and Atlanta. For more information, visit [][2].

About The Gift Certificate Company

Neighborhood Box Office, Inc. (NBO, Inc.) was organized for the purpose of developing, marketing, owning and operating gift certificate distribution and management programs that offer its customers customized solutions. The Gift Certificate Company (TGCC) is a wholly-owned subsidiary of NBO, Inc. NBO’s proprietary Gift Certificate System has been developed with state-of-the-art technology that is revolutionizing the gift certificate industry. TGCC is in business for the purpose of developing, marketing, owning and operating gift certificate/card programs that offer its customers custom solutions. For more information, visit [][3].

[1]: /graphic/giftcertificatecompany/logo.gif


Petco Iced

PETCO Animal Supplies is installing 2,400 Hypercom epic ‘ICE 6000’ card payment terminals and Hypercom’s epicreceipts electronic receipt capture service in its more than 530 U.S. retail stores. The rollout represents the largest installation of advanced consumer interactive card payment terminals in the U.S. retail pet supply industry. The multi-function epic ‘ICE 6000’ card payment terminal is an ideal platform for a wide range of value-added functions for large national retailers, chain drug stores, supermarket and other multi-lane environments. The Internet-enabled terminal and web appliance features a large 5.7″, 256-color ¼ VGA touch screen with graphics display and pen input screen The value-added capabilities include e-mail, on-screen advertising and promotions, and interactive electronic coupons.


Standard SecureCard

U.S. Bank and the Standard Insurance Company have teamed up to offer a stored value card to deliver long-term disability benefit payments. The ‘Standard SecureCard’ is the first and only card of its kind in group disability insurance. Monthly disability payments are automatically credited to the card on the scheduled benefit payment date. The VISA card can be used for purchases or ATM withdrawals and is reloaded with each new payment. Available in all states except New York, The ‘Standard SecureCard’ will be offered to disabled employees insured under long term disability policies that The Standard issued on or after January 1, 2001.