ePicNetz CEO

ePicNetz, Inc. has named Nicholas Logan president and Chief Executive Officer. Immediately prior to joining ePicNetz, Mr. Logan was Chairman and CEO of Econex, an electronic commerce joint venture of NOVA Corporation, Key Bank NA, and FirstEnergy.

In his new position, Mr. Logan will be directly responsible for expanding ePicNetz’s position and for the development of strategic alliances with distribution partners, major retailers, content providers and other partners. Logan replaces Jairo E. Gonzalez, President, Hypercom Emerging Markets, who has been acting as interim president and CEO of ePicNetz. Mr. Logan will report to George R. Wallner, president and CEO of Hypercom Corporation.

“Nick Logan’s extensive industry knowledge will be instrumental in propelling ePicNetz to the leadership position in the race to provide Internet-based content and services to the retail countertop,” said Wallner. “His background is directly in line with our objective. We are fortunate to have Mr. Logan join ePicNetz. Jairo Gonzalez will continue to spearhead our efforts in other emerging markets worldwide, including rolling out ePicNetz capabilities to other international regions.”

Mr. Logan brings some twenty years of payment systems and electronic commerce experience to ePicNetz. Prior to Econex, Mr. Logan was Senior Executive Vice President at NOVA Corporation, the nation’s third-largest processor of card payment transactions. Previously, he served as president and Chief Operating Officer of PMT Services.

ePicNetz, Inc. is a wholly-owned subsidiary of Hypercom Corporation (NYSE:HYC) that delivers content, e-commerce services and connectivity to the new generation of web-enabled card payment terminals at the point-of-sale. Headquartered in Atlanta, ePicNetz provides Internet-enabled electronic receipt capture, e-mail, e-commerce, on-screen POS advertising and couponing, and other information-based support services via Hypercom’s card payment web appliances. Hypercom Corporation is a global provider of end-to-end electronic payment solutions, including card payment systems, peripherals, network products, software and e-commerce payment solutions that add value at the point-of-sale for consumers, merchants and acquirers. Headquartered in Phoenix, Arizona, Hypercom(R) markets is products in more than 100 countries. The ePicNetz and Hypercom Internet addresses are: [www.epicnetz.com][1], and: [www.hypercom.com][2].

[1]: http://www.epicnetz.com/
[2]: http://www.hypercom.com/



NY-based Transale announced Tuesday the release of ‘CardLock’. When customers wish to make an online purchase, they activate their credit card by clicking on the ‘CardLock’ icon. Immediately after the purchase, the credit card is automatically locked and cannot be used by any other individual until the owner reactivates it, thus preventing online fraud. Individuals will also be able to control ‘CardLock’ software from their credit card issuer’s website. Unlike existing encryption-based systems and e-Payment solutions, ‘CardLock’ does not require the purchase or implementation of additional technology, is easily integrated with existing payment methods, and does not require the issuance of a new credit card. Since the ‘CardLock’ interface resides on the user computer it provides issuers with a space for messages/interaction with the cardholder. Transale is backed by seed2NeT, an Israeli early stage technology incubator and investment firm.


American Ireland Card

The American Ireland Fund announced its endorsement of MBNA’s credit card services to its members and supporters.

The American Ireland Fund is the world’s largest private sector organization raising funds for projects of Peace, Culture, and Charity in Ireland – North and South. Founded in 1976, it has to date raised more than $120 million for over 1,000 projects in Ireland. Non-profit and non- sectarian, the American Ireland Fund is one of nine Ireland Funds around the world translating Irish interests and ancestry into constructive change for Ireland.

“The American Ireland Fund is proud to join forces with MBNA,” said Kingsley Aikins, President and C.E.O. of the American Ireland Fund. “This is a time of great hope in Ireland and we believe that this relationship with MBNA will be of terrific benefit to the entire island of Ireland.”

“The American Ireland Fund has been a premier organization since its founding in 1976,” said John Cochran, Chief Marketing Officer of MBNA. “We will provide the high quality products and services that their members and supporters expect from MBNA.”

MBNA Corporation (NYSE: KRB), a bank holding company and parent of MBNA America Bank, N.A., a national bank, has more than $76.3 billion in managed loans. MBNA, the largest independent credit card lender in the world, also provides retail deposit, consumer loan, and insurance products. MBNA.com () provides credit card, consumer loan, retail deposit, travel, and shopping services.


Attorney Merchant Accounts

eAttorney, Inc., the leading legal Application Service Provider, and MerchantRates.com, an online provider of top tier payment systems, have announced a partnership enabling lawyers to open accounts for accepting credit card payments from clients through [www.eAttorney.com][1].

Through this partnership, eAttorney members can now establish customized accounts for credit card processing, and are automatically enrolled in a frequent-flyer rewards program.

“Thousands of law professionals will reap the benefits of our partnership with eAttorney, including special access to customized credit card processing services,” said Ted Hardison, CEO of MerchantRates.com. “We are pleased to serve the legal community with fair and competitive pricing, industry education and personal attention.”

eAttorney provides more than 75,000 law professionals and students with an integrated suite of web-based, attorney-focused business applications, services, and content. The partnership enables eAttorney’s law professionals to research merchant accounts via access to industry specific pricing and regulations for the legal community. Account membership at MerchantRates.com includes immediate enrollment in a frequent flyer benefits program with partners such as Delta Air Lines. Each card transaction earns points redeemable for airline miles.

“This partnership enables eAttorney to offer its members credit card payment processing services to further ease the administrative burdens associated with practicing law,” said Sam Kellett, CEO of eAttorney. “MerchantRates.com offers information specific to lawyers, and is a worthy addition to our growing team of top tier companies that advance the professional and personal needs of our legal community.”

About eAttorney, Inc.

Atlanta-based eAttorney, Inc. is the legal community’s leading Application Service Provider (ASP) and destination site ([www.eAttorney.com][2]). eAttorney solves the unique problems faced by law firms due to inefficient processes and disparate systems through a comprehensive suite of Internet-based, front and back office applications, business and e-commerce services, all through a single point of access.

Law students, law firms and attorneys use eAttorney’s On Campus Interviewing Plus (OCI+) to assist them with recruiting and career placement. The National Association for Law Placement (NALP), a non-profit educational organization designed to meet the needs of the law community, exclusively endorses OCI+ as the preferred on-campus recruiting service for students and lateral attorneys. eAttorney is used by 35,000 attorneys, 52,000 students, 57 law schools, including Duke University, University of Chicago, University of Michigan, and many of the leading law firms, including Shearman & Sterling, King & Spalding, Sidley & Austin, Baker Botts and Kilpatrick Stockton.

About MerchantRates.com

MerchantRates.com ([www.merchantrates.com][3]) is the online division of Vantage Card Services, Inc. MerchantRates.com delivers a combination of empowering knowledge and enabling technology. From this online platform, we offer the ability for businesses, professionals and merchants who are dissatisfied with their current credit card rates to research and receive a proposal for service instantly from a web application. With MerchantRates.com, we demonstrate our philosophy that the more educated a merchant is about this industry; the more likely we will be selected as their provider. MerchantRates.com addresses specific interchange pricing and regulations for businesses in all types of industries; including professionals, retail, restaurant, lodging, grocery, business to business, government purchasing, Internet, mail and telephone order, wireless and emerging markets.

[1]: http://www.eattorney.com/
[2]: http://www.eattorney.com/
[3]: http://www.merchantrates.com/


Check Card Rewards

FL-based BankAtlantic announced a rewards program for its ‘VISA Check Card’. Through a partnership with Atlanta-based Enhancement Services Corp., the ‘BankAtlantic Check Card Rewards’ program is one of the first usage programs tied to a ‘VISA Check Card’. Last year Chase Manhattan and Continental Airlines joined forces to launch a co-branded ‘MasterCard MasterMoney’ offering one ‘Continental OnePass’ mile for every dollar spent on purchases. All BankAtlantic checking account customers with a ‘VISA Check Card’ will be automatically enrolled in the new rewards program free of charge. Rewards program members will earn one point for every three dollars spent on Non-PIN transactions with the card. Cardholders can earn additional points at over 130 online merchants, select offline merchants and travel purchases. Points can be redeemed for merchandise and/or travel on any airline. Additionally, ‘VISA Check Card’ customers can access the ‘Rewards’ page on BankAtlantic’s web site to check their point balance, receive program updates or make online purchases. (See CF Library 2/23/99)


Fusion + Clear

The new VISA smart card for the U.S. will immediately have 20% of the credit card market behind it. Yesterday Fleet announced its ‘Fusion smart VISA’ card, Providian unleashed its ‘Clear smart VISA’, and Bank One/First USA is gearing up to pull up the curtain on its ‘smart VISA’ program. The three top ten U.S. issuers have aggregate card loans of $101.4 billion in the $501.0 billion bank credit card market, according to mid-year statistics gathered by CardData ([www.carddata.com][1]). While the new smart card primarily offers product positioning value to card issuers and little functionality to cardholders, the muscle behind the ‘smart VISA’ card will undoubtedly push the technology into the U.S. marketplace. It is realistic that as many as six million Americans may hold a ‘Clear’, ‘Fusion’, AmEx ‘Blue’, or First USA general purpose smart card by year end. Exactly one year ago American Express launched the first general purpose smart card for the U.S. consumer market. Fleet Credit Card Services said yesterday that its ‘Fusion smart VISA’ will begin accepting applications this Friday. Providian said its ‘Clear smart VISA’ will be marketed initially to a limited list of potential customers, and by the end of the year to customers across the credit spectrum. Used in conjunction with a smart card reader connected to a PC, ‘smart VISA’ cards have the ability to provide consumers with secure access to value-added content on Issuer web sites, to facilitate secure online payment, and ultimately, to enable cardholders to download enhancements to their cards via their PCs without ever having to get a new card. (See CF 9/12/00)

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



Gemplus yesterday announced it will partner with HID, CASI-RUSCO, and WSE-Honeywell to launch a new generation of ‘TwinCards’. Gemplus will embed its contact chips into existing contactless cards produced by the three firms, layering smart card solutions over current proximity cards based on 125 KHz technology. By adding Gemplus microprocessor chips to existing contactless cards, businesses can expand smart card functionality. For example, by putting both building access and the network ID on the same card, organizations can be sure employees are not leaving workstations with open network access while they go to another part of the building. From an infrastructure standpoint, businesses can deploy smart cards without changing any of the physical access control readers, cards and back-end systems in place.


PaySys Nabs Embry

PaySys International, Inc. announced that it has named Donna L. Embry as senior vice president of marketing. She will be responsible for overseeing the marketing efforts of PaySys’ products company-wide, including Vision Systems and the company’s next generation transaction processing applications.

Embry comes to PaySys with more than 30 years of experience in the payments industry. Most recently, she was executive vice president of marketing for Vital Processing Services, Inc., a merchant processing joint venture of VISA USA and Total System Services Inc., where she handled corporate relations, marketing strategies, product development and product management.

“Donna Embry brings a wealth of experience in developing and promoting new and innovative payment products,” said Stephen B. Grubb, chief executive officer. “Her considerable skills will be a great fit for PaySys as we move forward with introducing financial payment systems built for the Internet age.”

Previously, Embry was a senior vice president of business development at Financial Alliance, a wholly owned subsidiary of Deluxe Corporation. She also held various positions at PNC Bank, including chief operating officer of CFC Financial Services, PNC’s wholly owned bankcard processing division, and senior vice president of strategic planning for its electronic banking division.

Embry has been a member of the Electronic Banking, the Debit Card, and the Acquiring advisory boards at VISA, as well as the Merchant Acquiring (MAPP) advisory board at MasterCard. She is a past chairman of the Quest Regional ATM board and a founding representative of Electronic Processing Services (MAC), where she had an additional advisory roll in the Stored Value Services division. She currently is on the planning committee of the Electronic Transaction Association. Embry holds a bachelor’s degree from the University of Louisville.

About PaySys

PaySys International, Inc. is an established global leader in financial transaction processing applications, offering web-enabled transaction processing solutions. With industry-leading products such as VisionPLUS, CardPac and VISION21, and its latest Commercial Payment System, PaySys systems process more than 180 million accounts in over 35 countries and on 6 continents. Headquartered in Atlanta, PaySys has offices in the United States, England, Ireland, Singapore, China, Costa Rica and Australia. For more information, call PaySys at +1.770.564.8000, or visit the company’s web site at .

PaySys, VisionPLUS and TRAMS are registered trademarks of PaySys International, Inc. CardPac and VISION21 are trademarks of PaySys International, Inc. Other brands used in this document may be unregistered trademarks of PaySys International, Inc. or trademarks of their respective owners and should be treated as such. No investigation has been made of the registration status of any brand used.


Baltimore Tech Exec Change

Baltimore Technologies announced that Peter W. L. Morgan, currently deputy chairman, has been appointed as non-Executive Chairman, succeeding Professor Henry J. Beker. Fran Rooney, CEO of Baltimore Technologies, commented: “Peter Morgan has been Deputy Chairman of Baltimore Technologies and senior non-executive director since December 1998 and a member of the Board since 1994. He brings considerable experience to the chairmanship of Baltimore Technologies. On behalf of the company, I wish to recognise Henry’s contribution as the founder of Zergo Holdings and for his leadership over the years.”

Henry Beker is leaving the Company to devote more time developing his interests in several new economy start-up companies, leading a major UK IT educational initiative as well as strengthening his academic links.

Peter W. L. Morgan is a former Chairman of SWALEC plc, NPI, Pace Micro Technology plc and KSCL Ltd. Currently he is a director of Oxford Instruments plc, Firth Holdings plc and AMP (UK) plc. He is also a member of the Council of Lloyd’s and a director of the Association of Lloyd’s Members. He is a former director of IBM (UK), IBM Europe, and is a former Director-General of The Institute of Directors.

Peter Morgan, Chairman of Baltimore Technologies plc, commented: “I am excited by the huge potential for Baltimore Technologies. Our achievements over the past few years have laid a strong foundation for the company to continue to expand as a global force in high-technology.”

Henry Beker founded Zergo Holdings Ltd in November 1988. He was its Chairman and CEO and lead Zergo to its full London listing in July 1998. Following the merger with Baltimore Technologies in 1999, Zergo changed its name to Baltimore Technologies and Fran Rooney was appointed as CEO whilst Henry Beker continued as non-executive Chairman.

This announcement follows the recent appointment of two new non-executive members of the board of directors. John P. Cunningham is Senior Vice President and Chief Financial Officer of Citrix Systems, Inc and George W. Powlick is Managing Director of Doughty Hanson & Co.

About Baltimore Technologies

Baltimore Technologies develops, markets and manages security products and services to enable companies to develop trusted, secure systems for e-business, the Internet and mobile commerce. Its products include a wide range of Public Key Infrastructure (PKI) products and services, wireless e-security solutions, cryptographic tool-kits, security applications and hardware cryptographic devices. Baltimore’s global team of professionals offers a wide variety of consulting, training and deployment support to its customers worldwide. Baltimore Technologies markets and sells its solutions directly and through the TrustedWorld(TM) Channel program. TrustedWorld includes many of the world’s leading technology companies and a wide variety of global, regional and local business alliance partners.

Baltimore Technologies employs over 730 people worldwide and operates from over 28 cities with headquarters in Dublin, Ireland; London, UK; Boston, USA and Sydney, Australia. Baltimore Technologies plc is a public company with dual listings on NASDAQ (BALT) and the London Stock Exchange (BLM).

For further information and press releases on Baltimore Technologies, please visit [http://www.baltimore.com][1] Baltimore Technologies, Telepathy, TrustedWorld, PKIWorld and Baltimore product names including UniCERT, UniCERT Options, MailSecure, PKI-Plus and J/CRYPTO are all trademarks of Baltimore Technologies plc. All other trademarks are the property of their respective owners.

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


VISA & PeoplePC

San Francisco-based PeoplePC, Inc. and VISA USA signed agreements to offer VISA cardholders a new name-brand computer, unlimited Internet access, a three-year limited warranty with 24×7 customer service, and access to a variety of leading online retail partners for as little as $24.95 a month for three years. Every VISA cardholder who signs up for a PeoplePC membership through March 31, 2001, will receive a special offer on a name-brand color printer for $49 plus shipping and handling when purchased with a VISA card.The “Get on the Web” program starts Nov. 1st. VISA will market the Internet computer program to cardholders through member banks using Web content and off-line marketing.


MasterCard & MyPoints

San Francisco-based MyPoints.com and MasterCard signed a three-year, multi-million dollar marketing agreement yesterday. Under terms of the deal, MasterCard will be cited as the preferred payment provider on the MyPoints Shopping! network. In addition, MasterCard becomes a MyPoints.com client, enabling it to market its ‘MasterCard Exclusives Online’ program to the MyPoints’ member base of more than 15 million Internet users. This alliance follows MyPoints.com’s July introduction of its ‘MyPoints MasterCard’ card, issued by NextCard. MyPoints members are already eligible to earn points for a wide variety of online and offline activities including reading and responding to targeted email and Web-based offers, visiting Web sites, shopping, and dining out.


NextCard Calling Cards

deltathree, Inc., the IP telephony network and provider of Hosted Communications Solutions for service providers worldwide, announced it will enable Internet telephony-driven communications devices for NextCard, Inc., the leading issuer of Internet credit cards on the Web. Starting this fall, NextCard credit cardholders can automatically activate Global Calling Card functionality from their existing NextCard account. This agreement marks the latest Hosted Communications Solution deal for deltathree.

The new service will offer rates as low as 8.9 cents per minute for calls made to the U.S. and Canada and 11 cents per minute for international calls. In addition to Phone-to-Phone services, deltathree will provide NextCard with a full range of services branded under the NextCard name that will allow users to instantly activate their credit cards online for Phone-to-Phone service. deltathree will also provide NextCard with the e-commerce infrastructure to bill its customers for their Phone-to-Phone use.

“NextCard’s use of IP-driven calling cards is a perfect example of how deltathree’s Hosted Communications Solutions can be used to enhance branding and strengthen customer loyalty,” said Noam Bardin, President and CEO of deltathree. “These offerings enhance the customer value proposition and augment revenue streams with minimal upfront investment.”

To make a phone call over deltathree’s award-winning IP telephony network NextCard credit cardholders will simply enter their NextCard Global Calling Card PIN number. To activate the account and load calling minutes onto the cards, customers will log onto NextCard’s account management site (my.nextcard.com) and input the increments they wish to purchase, which will be billed directly to the credit card. NextCard cardholders will receive 30 free minutes for the initial sign up when the service launches later this month. “NextCard continuously strives to expand the functionality of our credit cards for our customers,” said Yinzi Cai, general manager of Credit Card Business, for NextCard. “Enabling credit cards as communications devices is a natural evolution for us, given our consumer focus.”

With over 500,000 customers, a network of over 60,000 affiliates and exclusive relationships with leading online brands including Amazon.com (Nasdaq:AMZN) and MyPoints (Nasdaq:MYPT), NextCard is the leading issuer of online credit cards and one of the top direct marketers and advertisers on the Internet. The Company owns minority stakes in Flooz.com, the premier online gift currency, and Paytrust.com, the leader in online bill payment.

About deltathree

A provider of cutting edge Internet telephony services and infrastructure for service providers worldwide, deltathree’s global network consists of a full range of Internet-based communication products and services. The company’s customizable Hosted Communications Solution enables any company to develop branded telecommunications services without having to build infrastructure, billing, customer service and e-commerce systems to support them. All these services are provided by deltathree in addition to the company’s suite of Internet-based communication products that include PC-to-Phone calling, Phone-to-Phone calling, unified messaging (which allows users to manage their emails, faxes and voicemails using a single account), and ClickIT(TM) (which enables visitors to a website to place a call to a customer service representative using their PC). deltathree’s corporate website can be found at corp.deltathree.com.

deltathree’s experience in providing innovative products and services is based on the development of its own customer base of over 3.2 million users through its consumer division iConnectHere.com ().

deltathree currently routes IP telephony traffic in over 160 countries and for 14 international telecommunications carriers. The company’s network consists of 107 Points of Presence in over 40 countries. deltathree recently received the Best Built Public Network Award for excellence in IP services/applications at SUPERCOMM 2000, a major industry commendation, and was named the best IP telephony provider by Smart Money magazine.