ActivReader Approved

Furthering its standard-setting role for securing electronic business transactions, ActivCard S.A. announced it has received Level 1 EMV (Europay, MasterCard, Visa) approval for its ActivReader handheld smart card reader. Level 1 EMV approval represents a high degree of trust and a major step towards establishing global interoperability for e-commerce transactions of all types. The approval positions ActivCard’s e-business digital identity technology as a new platform for secure business-to-consumer (B2C) electronic transactions and online banking, among other high growth markets.

ActivCard, a leader in strong authentication and electronic certification technology, passed Level 1 EMV testing and received approval through Visa (CAA Ref. No: ITACTI0001A-1). The approval also fulfills Level 1 requirements of Europay and MasterCard, through reciprocal agreements between these well-recognized payment associations. As a result, the ActivCard ActivReader solution set is now a recognized cross-platform transaction tool for B2C and business-to-business (B2B) e-commerce. Businesses and consumers can use the single ActivReader device to register transactions through all three financial channels.

The result will be an accelerated deployment of next-generation Internet-based e-business systems and services. ActivReader enables a single connection between customers, vendors and financial service providers previously offered independently by Europay, MasterCard and Visa. This functional integration through ActivCard digital identity technology will enable the evolution of e-business into a truly secure transaction space, which in turn will improve the confidence of vendors that customers are who they say they are. On the other side of a transaction, customers are ensured they are talking to a legitimate vendor and that their personal data, including credit card information, remains private. In effect, a shield of certification and authentication is raised, protecting against fraud on both sides of an electronic transaction.

“ActivCard is a recognized industry innovator, and Visa is very pleased to approve the ActivReader as a Visa smart card acceptance device,” said Philip Yen, senior vice president, Internet and access channels at Visa International. “As the size and importance of the electronic transaction space continues to grow worldwide, ActivCard’s patented authentication technology, with its chip card-generated single-use passwords and other important innovations will play a major role in the developing technology of e-commerce.”

“E-business, whether B2B or B2C, comes down to a question of identity,” said Thomas Arthur, senior vice president of worldwide sales and business development for ActivCard. “Our partnership with Visa and our ActivReader Level 1 EMV approval enables our solutions to play a central role in the explosive growth occurring in the e-business marketplace.”

About ActivCard

ActivCard S.A, a leader in digital identity and electronic certification technology, delivers core components required to enable next generation e-business communication and transactions. ActivCard’s technology suite offers the ease-of-use of an ATM transaction with a security level better than a face-to-face meeting. ActivCard’s solutions, in conjunction with the applications support for public key-based data confidentiality and integrity, allows individuals and businesses to perform secure online transactions over the Internet. Today, more than 1 million people use ActivCard products for secure Internet banking, Web access and remote access to corporate networks. ActivCard has corporate headquarters in Fremont, Calif.; Suresnes, France; and Singapore.


AirTran Accepts ATC

AirTran announced that it is now accepting the Air Travel Card as a form of payment for air travel on existing routes. The Air Travel Card, or Universal Airline Travel Plan, is widely used by major U.S. corporations to pay for and manage travel expenses.

“Since many of our key corporate clients prefer to use the Air Travel Card, we are pleased to announce that AirTran has expanded its payment options to include this user-friendly card,” said Tad Hutcheson, director of marketing. “We consistently strive to meet the needs of all of our customers, and this is simply one example of our commitment to service.”

The Air Travel Card provides corporations with travel information and greater control and flexibility over air travel expenses than any other travel card. Some specific expense management benefits include management reports that detail travel expense patterns, budget analysis and forecasting of air travel.

Other general benefits of the Air Travel card include centralized billing and customized billing options, which break down expenses by department, project, client, employee and any other category desired. In addition, the Air Travel Card makes reconciling expenses easier by keeping air travel charges separate from other corporate travel-related expenses.

The Air Travel card also provides benefits for AirTran. It’s expected to boost sales, as it is very popular among corporate clients with more than 75 Fortune 100 companies using the card. The card will also be cost effective for AirTran due to its lower interchange fee compared to other credit cards.

Offering the convenience of easy, same concourse connections in Atlanta, systemwide, AirTran operates over 275 daily departures to 30 cities. AirTran operates over 130 daily departures from Atlanta Hartsfield, the “World’s Busiest Airport,” as designated by Airports Council International.

AirTran provides everyday, affordable air travel throughout the eastern United States and Midwest. Unlike other airlines, AirTran never requires a roundtrip purchase or Saturday night stay. Currently operating a fleet of 48 jet aircraft, AirTran is the launch customer for the new Boeing 717, the newest, most innovative commercial aircraft to date. AirTran is a subsidiary of AirTran Holdings, Inc. (Nasdaq:AAIR).


New Diebold CEO

Diebold, Incorporated Tuesday announced that Walden W. O’Dell has been named president and chief executive officer and elected to the board of directors effective November 1. O’Dell, a long-time executive of Emerson Electric Co., has broad experience in international operations and business expansion in a variety of technology industries. Robert W. Mahoney will remain chairman until April 2000, when it is anticipated the board will elect O’Dell chairman following the company’s annual shareholders’ meeting.

O’Dell comes to Diebold with a successful 33-year career, which includes running operations on four continents and the manufacturing, distribution and sales of a variety of electronic equipment and services. O’Dell has demonstrated a consistent ability to stimulate growth by employing a variety of management skills ranging from streamlining operations and reducing costs to increasing organizational effectiveness and introducing new products and services. O’Dell has held a series of high-level positions, including heading up a variety of operations of Emerson, a $13.5 billion global provider of electrical, electromechanical and electronic systems and services. Emerson employs more than 100,000 people in 150 countries.

“We have been searching for someone with proven leadership and business management skills and a background in technology and global operations. We are confident that Walden is exceptionally well suited to guide Diebold to its objective of being the leading global provider of self-service solutions,” said Mahoney. “We’ve been initiating crucial changes in recent years — moving from a focus on hardware to emphasizing a customer-focused, end-to-end solutions approach, and expanding significantly and simultaneously in numerous international markets. Walden has had experience in places as diverse as Hong Kong, China, Malaysia, the Middle East, Europe and Canada. His background in technology and hands-on knowledge of product development, sales, services and distribution, coupled with a proven record for leading solid growth and outstanding performance, prepare him well to lead this company.”

Originally from St. Louis, O’Dell earned a bachelor’s degree in electrical engineering from St. Louis University. He earned a master’s degree in electrical engineering from St. Louis University, before earning another master’s degree in business administration from Stanford University. O’Dell and his wife have four adult children and will be relocating to Canton, Ohio from Columbus, Ohio.

Diebold, Incorporated is a global leader in providing integrated delivery systems and services. Founded in 1859, Diebold employs more than 9,000 associates with representation in more than 75 countries worldwide and headquarters in Canton, Ohio, USA. Diebold reported revenue of US$1.2 billion in 1998 and is publicly traded on the New York Stock Exchange under the symbol ‘DBD.’ For more information, visit the company’s Web site at [][1].



IBPP Wallet

First National Bank of Omaha announced it will issue the first electronic wallet for processing electronic checks for ‘Internet Bill Presentment and Payment’. First National is also the first bank to establish a new business unit devoted solely to providing IBPP services with wallet technology. The bank has selected CyberCash and edocs as partners in this new business. First National will utilize CyberCash’s ‘InstaBuy Agile Wallet’ platform to load and manage payment information for billers. First National also has entered into a strategic alliance with edocs to provide an integrated development environment for billers. edocs’ flagship product, ‘BillDirect’ software application enables companies to deploy and manage their own IBPP solution to deliver personalized, interactive bills, statements and invoices through the biller’s own Web site and other portals.


FUSA Connections

First USA announced this morning the debut of ‘First USA Connections’, an online shopping destination created exclusively for First USA cardholders. The new service connects First USA’s 65 million cardholders to exclusive offers and savings from about 50 merchants and service providers. From any page within the ‘First USA Connections’ shopping site, cardholders can access product information, recommendations and side-by-side features comparisons through a consumer product guide. Cardholders may also search special deals by category or keyword. Savings range from free gifts to discounts of as much as 50% on various products and services. Special offers on the ‘First USA Connections’ website include: a free gift from with a purchase of $80 or more; 50% off bestsellers from; 10% off any purchase plus free shipping from Computer Furniture Direct; and $10 off any purchase of $25 or more from


Wojcik Joins Hypercom

Hypercom Corporation, a global provider of electronic payment solutions, has named John J. Wojcik vice president of global business development. Mr. Wojcik is a recognized expert on card-based electronic benefit transfer systems. He is an active member of the EFTA EBT Council, and a former member of the U.S. Federal Government’s EBT Steering Committee.

Mr. Wojcik is a 15-year veteran of the card automation and EBT industry. Immediately prior to joining Hypercom(R), Mr. Wojcik served as general manager of the government, education, medical and business division at VeriFone. He established and directed that company’s entrance into the government EBT market, and also positioned the company as a provider of automated licensing systems for the game and fish industry.

Mr. Wojcik has also held sales and management positions with McDonnell Douglas, First Data Corporation and Xerox Corporation. At First Data Corporation, Mr. Wojcik was instrumental in creating the nation’s first on-line eligibility transaction system for the Federal Medicaid program.

In his new position, Mr. Wojcik will be directly responsible for spearheading Hypercom’s growth in the government, healthcare, education and electronic benefits transfer (EBT) markets. He will report to Jairo E. Gonzalez, senior executive officer, Hypercom Corporation.

“John Wojcik is a proven innovator with in-depth experience in the card-based electronic benefit transfer arena,” said Gonzalez. “His industry knowledge and leadership experience will significantly enhance Hypercom’s global expansion plans in this increasingly important market.”

A sought-after speaker on EBT, Mr. Wojcik has addressed conventions and conferences in the US, Europe and Africa.

Hypercom Corporation (NYSE: HYC) is the single-source 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 markets its products in more than 70 countries through a global network of affiliates and offices in Argentina, Australia, Brazil, Chile, China, Germany, Hong Kong, Hungary, Japan, Mexico, Russia, Singapore, Sweden, the United Kingdom and Venezuela. Hypercom’s Internet address is [][1].



CBQ & Signio

CBQ, Inc. and Signio, a leading provider of e-commerce payment services, announced a strategic reseller partnership and the integration of Signio’s Internet Payment Platform into CBQ, Inc.’s PriorityCASH E-Business Payment Service.

Yesterday’s announcement enables CBQ to provide a broad range of Internet-enabled electronic payment services to its customers. The combining of PriorityCASH customer driven interface with Signio’s Internet payment processing platform instantly brings enhanced capabilities, a reliable payment platform and increased efficiencies to customers of The E-Business Marketplace.

Signio offers integrated payment services for real time credit card authorization, debit card, purchase cards, and pay-by-check services guaranteed by Telechek(TM) for a flat monthly fee. Automated Clearinghouse (ACH) transactions and fraud detection are also available through the Signio platform. Integrating the Signio payment platform also allows CBQ to offer its customers processing services for over nine currencies and provide for International credit card processing.

“With the easiest to deploy payment service in the marketplace, Signio gave CBQ the ability to move from the CyberCash platform and, in one day integrate their highly reliable platform with our own PriorityCASH system. This upgrade to Signio clearly establishes a solid foundation for our E-Business Service to grow from,” stated John Harris, CEO of CBQ, Inc.

Said Philippe Courtot, Signio CEO and chairman, “We are extremely pleased the company has chosen to integrate our payment platform into PriorityCASH, and make it even easier for businesses to leverage the power of the Internet with a fully functional a e-commerce web site.”

About Signio

Signio, Inc., (formerly known as PaymentNet) is committed to bringing simplicity and excellence to Internet payment processing and help businesses profit from the rapidly expanding e-commerce market. With its flat fee monthly pricing model and growing menu of services, Signio brings affordability and convenience to the process of selling online.

Signio provides seamless connectivity across the Internet from e-commerce applications to all major back-end payment processors and quickly enables companies to authorize, process, and manage multiple payment types, multi-currency options and different payment schemes. Signio has a growing list of impressive customers, with such notables as CBS Sportsline, C/NET,, Network Solutions, Inc., Prime Sports Interactive,, and WebMD. Signio is headquartered in Redwood Shores, Calif. For more information about Signio, visit [][1].

About CBQ, Inc.

CBQ, Inc. The E-Business Marketplace, is a total end-to-end provider for implementing customer driven e-business solutions. Through its subsidiaries, Cyberquest, Inc., Reliance Technologies, Inc. and Priority One Electronic Commerce Corp it can design, implement, host, build traffic and process payments for its customers e-business initiatives.



NCR Makeover

NCR Corp. revealed Tuesday it has decided to accelerate its transformation from a computer hardware and product company, to a technology solutions and services provider by focusing its growth in data warehousing, retail store automation and ATMs. The decision will result in a restructuring charge in the range of $200-$250 million for the fourth quarter. NCR expects to realize annual savings of approximately $75 million as a result of the initiatives, beginning in 2000. The changes will include the elimination of approximately 1,500 positions.


HealthSaver Club Card

HealthSaver Club, a health benefit discount card, debuted this week with a full-scale marketing program that includes an infomercial, direct mail, and the launch of its web site, [][1]. The site is fast, easy to navigate, and provides descriptions of the plan’s features, benefits, costs, and participating providers. Most importantly, visitors to the site can become members instantaneously online and receive immediate discounts with the click of a mouse.

HealthSaver Club was created to provide discounted health care services and bridge the gap between what regular health insurance companies cover and do not cover, including Medicaid, Medicare, and managed care companies. The nationwide network consists of more than 75,000 healthcare providers with projections to exceed 300,000 by the end of the year. Currently, the network includes 40,000 pharmacies, 19,000 dentists, 12,000 eye professionals, 18,000 chiropractors, 20,000 alternative medicine providers and many more.

Unlike any other card in the marketplace, HealthSaver Club covers basic medical and preventative procedures including prescription drugs at discounted prices for all ages, especially seniors. It also covers “elective” treatments. For example, members receive unlimited dental, vision, eye laser surgery, hearing, chiropractic, holistic and alternative services, weight loss, smoke cessation, magnetic therapy, dermatology, plastic surgery, mental and substance abuse counseling and much more.

“It’s a unique health discount card, one that is setting a new standard in Florida as well as the rest of the country. It is designed to help people get the care they deserve and at prices they can afford, from the 44 million uninsured people in the nation to HMO members facing reduced benefits, says Leila Chang, Executive Director of HealthSaver Club.

HealthSaver Club can be used either in conjunction with existing health insurance or as a stand-alone plan. It’s easy to use and requires no paperwork. Members receive a card (the size of a credit card) to present at participating providers for discounts on products and services at the point of purchase. There are no pre-existing condition restrictions and HealthSaver Club is available to everyone. “Individuals can purchase the card for their own personal or family use. Companies can also purchase it to offer employees an added benefit to their core insurance programs,” says Chang.

Membership costs $89 per person, per year or $109 per family, per year with unlimited dependents. If members join online, they receive an additional $10 off the annual premium. “It’s a small investment with a big return of 10% to 60% in healthcare savings, and the card pays for itself after only using it a few times. With the launch of our website, HealthSaver Club is now not only the healthiest way to save money, but the easiest and fastest way, too,” says Chang.

In tandem with the launch of [][2], a marketing program totaling in excess of $5 million is being implemented and includes a thirty minute infomercial airing on cable and Paxson channels throughout Florida. In addition, a direct mail campaign to over 700,000 households in the state is also being implemented. The campaign is designed to increase awareness and build brand equity while capitalizing on the opportunity of being one of the first cards of its kind on the market.




AAA, Fleet Boston and VISA are testing two stored value cards. The test is being conducted in 20 AAA offices of Automobile Club of Southern California, California State Automobile Association, AAA Michigan, and AAA Missouri. The two AAA customized products, ‘AAA MemberCash’ card and ‘AAA MemberOne card’, are designed to allow domestic and international travelers to gain access to funds domestically and abroad. The ‘AAA MemberCash’ card is targeted to AAA members traveling internationally, and enables them to access cash in local currency at more than 500,000 VISA ATMs worldwide. The ‘AAA MemberOne’ card is a stored value VISA card. Both cards are branded as AAA products, with Fleet Boston Corp. sponsoring the program.The pilot program with AAA and Fleet Boston is the first proposed partnership VISA has announced following its recent alliance with ClaimCard.


Paymentech Signs CPA Group

Paymentech’s commercial card unit announced new implementations that reflect the preference of organizations and corporations to expand web-based financial management. Paymentech signed the American Institute of Certified Public Accountants (AICPA) as a new client for Visa corporate and purchasing cards. Commonfund Treasury, Inc. selected Paymentech as its recommended commercial card provider and is marketing the program to colleges and universities nationwide. Paymentech also added MasterCard purchasing cards to Gap Inc’s corporate card program.

The company reported the business developments at the Treasury Management Association Convention and Exposition in Los Angeles. Paymentech issues MasterCard and Visa commercial cards through its Salt Lake City-based First USA Financial Services unit. The company was the first to market with an Internet- based suite of applications, called PaymentNet, for commercial card reporting, program administration and integration with accounting systems. PaymentNet streamlines data delivery and enables easier distribution to multiple users.

‘The AICPA selects programs that we believe exemplify a high degree of discipline for financial control,’ said Howard Gerner, CPA, manager of financial management for the AICPA. ‘We feel that Paymentech’s on-line access to reporting and administration will accomplish that for both purchasing and corporate cards.’

The American Institute of Certified Public Accountants is the national professional organization of CPAs, with more than 330,000 members in business, industry, public practice, government and education. It is the first professional association to be ISO 9001-certified. ‘Paymentech represents a major advance in offering complete solutions to colleges and universities,’ said Diana Becker Query, managing director of payment systems at Commonfund Treasury, Inc., a subsidiary of Commonfund. Based in Wilton, CT, Commonfund is a nonprofit membership corporation devoted to enhancing the financial resources and operating efficiencies of educational institutions through fund management, investment advice and cash management services.

‘We now can offer Internet-enabled purchasing, travel and fleet programs, including the choice of an integrated ‘one card.’ Paymentech’s technology allows clients to more efficiently administer their programs,’ said Query. ‘Implementation, customer service and relationship management staffs are also technically savvy.’ ‘Proactive and knowledgeable client service magnifies the value of technology,’ said Calvin Chin, senior manager of expense and accounts payable at Gap Inc. ‘Service is integral to our business, and that naturally influenced our decision when looking at card programs. Successful companies require ongoing technological support from their providers.’


Pete Rose Flap

MasterCard says it is outraged that NBC reporter Jim Gray tarnished what was a wonderful tribute honoring the 30 individuals America chose to be baseball’s All Century Team. MasterCard is outraged that Mr. Gray chose the All Century Team celebration to attack alleged sports gambler Pete Rose, who received more than a 500,000 votes from fans to be a Hall of Famer. MasterCard said yesterday it strongly believes that Mr. Gray owes an apology to the millions of fans that tuned into the last World Series of the century.