IClickIncentives

1ClickCharge, the pioneering single-click micropayment service, Thursday announced its 1ClickIncentives Program, which enables merchant partners to generate new customer leads and drive traffic to their sites through co-marketing agreements sponsored by 1ClickCharge. This innovative program is designed to help 1ClickCharge’s network of partners grow their businesses and expand the market for premium content as 1ClickCharge gears up for its launch in the first quarter of 2000.

“1ClickIncentives is a great idea. WOWFactor provides premium content created by the hundreds of WOWFactor women business owners. Through this program, 1ClickCharge markets WOWFactor content to the audiences that will find it most useful,” said Lauren Diamond, VP of Business Development, Frontline Communications Corporation (developer of the WOWFactor site).

Web merchants who join the program simply allow 1ClickCharge to distribute some of their premium content for free to customers of other partner sites. In return, merchant sites will benefit from increased traffic and, most importantly, 1ClickCharge will help the merchant build a list of potential customers who opt-in for content.

“This is a win-win situation for merchants,” commented Heidi Goff, president and CEO of 1ClickCharge. “Any web site with content to offer can easily join this program and begin reaping the benefit of wider distribution through the 1ClickIncentives program. We plan to partner with web merchants looking for new customer channels and additional revenue streams from selling premium content using the 1ClickCharge payment service.”

1ClickCharge has currently teamed up with over 30 merchants as 1ClickIncentives and launch partners, including Hoovers, Zacks, Institutional Investor, MaMaMedia, Frontline Communications, BizWiz, MusicHall 2000, NetSonic, WorkingSolo and others.

Spearheading the program will be John Youle, VP of Business Development and Sales. Mr. Youle joined 1ClickCharge on October 4 from his position as Principal Consultant for PricewaterhouseCoopers Information, Communications and Entertainment management consulting practice. Previously, he was a law associate in Squire, Sanders & Dempsey’s Telecommunications group where he had an integral role in the practice’s global business development efforts. Youle has an MBA from Columbia Business School and a JD from Northwestern University School of Law.

“John’s expertise in developing business and sales channels makes him a tremendous addition to our talented executive team,” added Goff.

John joins start-up veterans, Brian Smiga, SVP Marketing and Business Development, formerly co-founder of software companies Actioneer.com and DaytoDay, and Scott Samios, VP Partner Development, previously with AirMedia.com and EarthWeb.

About 1ClickCharge(TM)

1ClickCharge’s Web Payment service makes credit cards perform like cash on the Internet. With its patented authentication technology, 1ClickCharge gives consumers the ability to easily purchase web content on a pay-per-use basis in small dollar amounts. Because 1ClickCharge is 100% outsourced, merchants will quickly realize profits without the technical hassles typically associated with setting up their own Internet payment service. 1ClickCharge’s mission is to lead the industry in single-click Internet payments under $20, a market space it calls Convenience e-Commerce(TM). The company is led by Heidi R. Goff, President and CEO, a 20-year senior management veteran of MasterCard, GlobalPay, ADP and IBM; and Brian Smiga, SVP of Marketing and Business Development, formerly co-founder of software companies Actioneer.com and DaytoDay. 1ClickCharge is a trademark of Cha Technologies Services, Inc., a majority-owned operating company of CMGI, Inc. (Nasdaq: CMGI). Visit the company’s Web site at [www.1clickcharge.com][1].

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

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Skipjack and MPS Team

Evolv Adaptive Technology, the providers of Skipjack Merchant Services, announced that it will work with Midwest Payment Systems to provide electronic transaction processing capabilities to State agencies in Ohio as they begin to offer payment options via the Internet.

Skipjack Merchant Services enables merchants to accept credit cards for the sale of goods and services in a highly secure transactional environment while safeguarding account providers from excessive risk.

Evolv will supply the electronic commerce component for Midwest Payment Systems (MPS), Fifth Third Bank’s data processing subsidiary, to process payments received for various State services. The Accountancy Board of Ohio will be the first to take electronic payments and will accept professional license renewal fees via the Internet. License renewal notices will be mailed in November to approximately 12,000 Ohio residents. Each renewal notice will include a Personal Identification Number (PIN) that will act as a valid electronic signature, permitting residents to renew their licenses with a credit card through the Accountancy Board’s Web site. Credit card transactions will be processed on a secure electronic commerce server maintained by Midwest Payment Systems and Skipjack Merchant Services.

The State of Maryland’s Accountancy Board successfully implemented a similar project in 1998 with 73 percent of licenses being renewed via the Internet.

Skipjack Merchant Services was created to address the needs of merchants, merchant acquiring organizations and financial institutions wanting to take advantage of the exceptional opportunities in e-commerce. An Internet payment gateway that performs the function of a standard credit card authorization terminal in a secure, real-time environment, Skipjack enables merchants to automatically accept, authorize and settle credit card payments on their Web site. Platform and browser independent, Skipjack features real-time authorization and settlement as well as e-mail receipts for customers and fulfillment entities. The service can be private-labeled for customized use by financial institutions, acquirers and third-party processors. Skipjack supports Visa, MasterCard, American Express, Discover card, Diners Club, JCB and debit cards. Bradley Madison Co. dba Evolv Adaptive Technology, is headquartered in Cincinnati. For additional information, visit the Skipjack Web site at [http://www.skipjackic.com][1].

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

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CeloCom SC Reader

Celo Communications, a leading global provider of security products for Internet commerce and communications, introduced today the industry’s first truly secure, Internet-ready smart card reader. The CeloCom Smart Card Reader with built-in PIN pad attaches easily to most PCs and works out of the box with the leading email clients and Web browsers to enable highly secure online banking, stock trading, encryption and other e-commerce applications.

The CeloCom Smart Card Reader provides the most cost-effective, universal and highly secure interface between smart cards and PCs. PIN codes entered on the PIN pad are never accessible from the PC, where viruses or Trojan horses such as Back Orifice can capture and expose them to unauthorized parties. The CeloCom Smart Card Reader plugs in to CeloCom Web and CeloCom Mail companion software to instantly secure all email and Web-based transactions.

“Smart cards offer the best way to achieve security and non-repudiation for online transactions, but until now the readers were expensive, difficult to install and vulnerable to PIN theft by hacker programs” said Sven Hammar, president of Celo Communications. “Our new smart card reader is truly a breakthrough in price and in providing real application security.”

Designed and patented by Celo Communications, the CeloCom Smart Card Reader is manufactured by SCM Microsystems, a leading producer of smart card readers, under license from Celo. The reader simply plugs in between the PC and the keyboard and draws its power directly from the host PC, eliminating the requirement for bulky power converters. The device is plug-and-play compatible and conforms to PC/SC and PKCS#12, among other industry standards, to ensure it will work with all standards-based PC smart card applications and online payment systems.

Pricing and Availability

The CeloCom Smart Card Reader is available now from Celo Communications. The single unit price is $39, and volume discounts are available.

About Celo Communications

Celo Communications is a leading provider of strong, comprehensive security solutions for safely conducting global Internet commerce. Its scalable products employ public-key infrastructure (PKI) technology, and provide everything organizations need to securely Web-enable their legacy applications, including client deployment, smart cards, Web browser interfaces, X.509 certificate management, single sign-on for legacy applications, safe storage of digital signatures and centralized X.500 management of policies and closed user groups. Celo products integrate easily with legacy systems, reducing development time and expense while delivering important time-to-market advantages.

Celo’s customers include major Swedish banks and insurance companies, the Swedish national lottery, the Swedish telephone company (PTT), a leading European bank, the Dutch government’s tax network, NATO military networks and one of the largest German Internet service providers. Celo also sells its products to system integrators, who use the technology to provide complete PKI security solutions to their customers.

Incorporated in October 1997, Celo Communications has offices in the U.S., Ireland, Sweden, Holland and Germany. Visit Celo at [http://www.celocom.com][1].

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

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Hypercom China

Hypercom will provide more than 1,500 card payment terminals and smart-card enabled PIN pads to The Agricultural Bank of China. The deal will allow this state-owned bank to expand its nationwide credit and debit card transaction processing retail merchant network. Hypercom’s ‘T77-GS’ high-performance terminal devices and ‘S7S’ PIN pads will be deployed at merchant sites throughout China. The Agriculture Bank of China is one of four state-owned commercial banks in China. In 1996, the bank commenced an electronic exchange system that today encompasses 6,000 branches.

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Coinstar UNICEF

Coinstar has specially adapted approximately 5,000 of its 6,400 supermarket-based, self-service coin counting machines to accept donations on behalf of the “Trick-or-Treat for UNICEF” campaign. Last year, the “Trick-or Treat for UNICEF” campaign collected $371,000 through Coinstar machines. This was more than three times as much as Coinstar collected in 1997, when it raised $110,000 through its machines. Those who choose to donate their spare change to the U.S. Committee for UNICEF will receive a tax-deductible receipt, while those cashing in their coins receive a voucher redeemable for cash or credit at the checkout. The machines will accept donations through Nov. 30

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CardVerify

NY-based CardVerify rolled out its credit card verification and security service for the Internet Wednesday. ‘CardVerify’ allows Internet buyers to register their credit or debit cards on the company’s website, and each time someone uses or attempts to use a registered card at a ‘CardVerify’ enabled merchant, the owner of the card is notified immediately by email as well as on a pager or a cellular phone. Card users can select a credit limit or “netlimit” for their cards based on monthly spending, merchant type and other variables. The system allows registration of any credit or debit card on the market in more than 150 currencies. ‘CardVerify’ does not authorize card transactions with financial institutions, rather it is an additional authorization process on top of the existing infrastructure. Sensitive data is stored in one-way encrypted format on CardVerify’s servers.

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SM Deal For IVI

IVI Checkmate announced a $4 million order from Service Merchandise yesterday. Under terms of the deal IVI will supply SM its ‘eN-Check 431’ check readers and ‘eN-Touch 1000’ portable customer-interactive debit/credit terminals. Chain-wide implementation will be completed at the end of this month. SM is replacing its current installed base of electronic signature capture pads and will install the IVI Checkmate check readers in all stores. SM operates 223 Service Merchandise stores in 32 states.

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Signio on MarketSite

Commerce One, Inc , a leader in electronic commerce solutions, and Signio, Inc., a leading provider of e-commerce payment connectivity and services, announced Wednesday a strategic partnership to integrate Signio’s Internet payment platform with Commerce One’s MarketSite, the premier business-to-business marketplace portal. Today’s announcement enables Commerce One to provide a broad range of enhanced electronic payment services to streamline electronic payment processing for all MarketSite trading partners.

The integration of Signio payment services and MarketSite means Commerce One customers and trading partners will have access to real-time consolidated payment services for credit cards; debit cards; procurement card (P-card) authorization and capture; digital checks; and automatic clearing house (ACH) transactions. These payment services enable buyers and suppliers to automate commerce and increase efficiencies by replacing traditional paper-based payment processes with an end-to-end integrated payment processing capability that significantly reduces the cost and time associated with traditional billing methods.

Today, buyers and suppliers exchange thousands of purchase orders per month electronically through Commerce One MarketSite. The enhanced integrated electronic payment capability now gives both buyers and sellers an increased choice of payment options and enables them to electronically exchange various payment and invoice transactions with each other and with a network of processors and banks. This capability allows faster and more accurate payment processing and significantly reduces overall order process cycle time for buyers and sellers. Buyers benefit from reduced transaction cycle times and ease in transaction reconciliation. Suppliers benefit from ease in billing processes and reduced cycle times in collecting payment.

In addition, Commerce One and Signio have agreed to collaborate to define XML based payment documents utilizing components from Commerce One’s Common Business Library (CBL) 2.0. This collaboration is expected to help further drive the definition of common payment document standards across key XML industry initiatives. Signio will leverage Commerce One CBL 2.0 elements, XML document framework and XML tools as a basis for its own XML schema-based product development efforts.

Leveraging Signio payment platform, Commerce One is working with several large financial institutions to offer industry leading payment solutions. These companies will participate in defining further financial business services that will be offered through Commerce One MarketSite and in defining related XML-based business and payment documents.

“Our partnership with Signio allows us to offer more sophisticated payment processing services to our global base of customers,” said Chuck Donchess, vice president of marketing and business development for Commerce One.

“Signio and Commerce One are working together to provide a high performance enterprise-class payment processing solution that helps companies use the Internet to cut costs and increase efficiencies,” said Philippe Courtot, CEO and chairman of Signio, Inc. “The integration of Signio’s platform and Commerce One MarketSite not only accelerates transactions between buyers and sellers, but also provides an innovative new capability for processing payments more quickly and accurately.”

XML Payment Standards

Commerce One’s CBL 2.0 is vital to enabling ubiquitous web-based payment services. CBL 2.0 is a set of XML building blocks and a document framework that allow the creation of robust, reusable, XML business documents. It is the industry’s first open XML specification for the cross-industry exchange of e-commerce-related business documents. CBL 2.0 is endorsed by leading industry standards such as OASIS, the UN/CEFACT Techniques and Methodologies Working Group, CommerceNet eCo Framework Project and Working Group, and Microsoft’s BizTalk Initiative.

About Commerce One

Commerce One (NASDAQ: CMRC) is a leading provider of electronic commerce solutions that dynamically link buying and supplying organizations into real-time trading communities. The CommerceChain Solution(TM) by Commerce One, comprising Commerce One BuySite(TM) and Commerce One MarketSite(TM), enables companies to significantly reduce operational costs and increase efficiency by automating the entire indirect goods and services supply chain. As a result, enterprise organizations are able to realize a strategic competitive advantage as well as a rapid return on investment. Commerce One is located in Walnut Creek, Calif., and can be reached by phone at (800) 308-3838 or (925) 941-6000 or via the Internet at or .

About Signio

Founded in 1995, Signio, Inc., (formerly known as PaymentNet) delivers a highly scalable and reliable Internet payment platform to help businesses profit from the rapidly expanding e-commerce market. With its cost-effective 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 (including credit cards and electronic checks), multi-currency options and different payment schemes. With solutions for merchants, financial institutions, resellers and developers, Signio has a growing list of impressive customers, with such notables as C/NET Store.com, CBS Sportsline, Network Solutions, Inc., Virtual Vineyards, women.com, KLM Dutch Airlines, and the American Heart Association. Signio is headquartered in Redwood Shores, CA. For more information about Signio, visit [http://www.signio.com][1].

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

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South American Oasis

Canada-based Oasis Technology Ltd. announced that it has been selected by Credicard and Redecard, one of the largest POS networks on the South American continent, to develop a transaction capture and authorization environment that supports an expanding array of electronic commerce initiatives targeting Brazilian consumers. Credicard and Redecard have been using Oasis e-payment technology for more than five years to support the routing of card authorization and transaction information between merchants and leading payment authorization networks. Under terms of the new joint development project, the Oasis IST-enabled system will support the processing of online card transactions, batch files of card-not-present transactions, and paper drafts. The new transaction processing gateway also will provide support for traditional credit and debit card transactions, vouchers, check services, and Health Management Services

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Currency-to-Go

Chase Manhattan launched the first web site service that enables both customers and non-customers nationwide to order any one of 75 different foreign currencies and travelers cheques online with no fees or commissions for next-day delivery. ‘Currency-to-Go’ offers competitive exchange rates with no exchange fees or commissions. Non-customers can pay by any major credit card. Chase says currency purchases via credit card will not incur cash advance fees or foreign transaction fees. Chase customers can also pay by debiting their deposit accounts. Home delivery is free for orders of $500 or more, with a $10 shipping charge for orders below that amount. Travelers can order up to six different currencies. Orders over $1,000 must be picked up, in person, at a Chase branch.

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E-Loan Card

CA-based online mortgage originator E-LOAN boxed itself in on the credit card side yesterday, after signing away an exclusive alliance with Providian Financial. Providian will exclusively market its suite of ‘Aria VISA’ cards on E-LOAN’s Web site. The ‘Aria VISA’ was launched by Providian in May of this year, following Providian’s acquisition of loan aggregator GetSmart.com. Providian says ‘Aria’ has distinguished itself as having one of the highest approval rates on the Web. ‘Aria’ currently offers interest rates ranging from as low as a fixed 7.99% APR to a 23.99% APR. Providian’s ‘Aria VISA Persona’ offers a maximum credit limit of $1,000 in exchange for a one-time processing fee as high as $89 and an annual fee as high as $89. The card also carries a fixed interest rate of 23.99% and no grace period. After three months the account is reviewed for a possible credit line increase which is also subject to a special fee. Providian says its websites draw 10 million visitors annually.

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SmartDisk Jackpot

SmartDisk Corporation announced Wednesday that its initial public offering of 3,000,000 shares of common stock has been priced at $13.00 per share. In addition, SmartDisk has granted the underwriters an option to purchase up to 450,000 shares of common stock to cover over-allotments. SmartDisk intends to use the net proceeds from the offering for working capital, potential acquisitions of technology or businesses, and other general corporate purposes.

The shares of SmartDisk Corporation will be listed on the Nasdaq National Market under the symbol “SMDK.”

BancBoston Robertson Stephens acted as the lead manager for the offering. The co-managers were Hambrecht & Quist and U.S. Bancorp Piper Jaffray.

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