Naviant CRM

Naviant, a leading provider of CRM solutions for the financial industry, is demonstrating one-to-one marketing capabilities for automated teller machines with Diebold this week. The ATM demonstrations, which showcase the technology available to incorporate marketing campaigns in a self-service environment, are taking place in the Diebold booth.

“While CRM applications of this type have been used in Europe, this will be one of the first live demonstrations in the United States,” says C. Win Billingsley, Vice President Sales, Naviant Technology Solutions. “Working with Diebold is an exciting opportunity to gain the interest of financial institutions who want to reach their customers one-on-one in a more self-service environment.”

“Tying ATMs into the CRM capabilities we build for banks ensures that bank customers can be treated consistently and appropriately across all customer touch-points,” says Jim Flynn, President and CEO of Naviant. “The value of highly customized interactions with ATM customers affords banks a unique opportunity to communicate timely and relevant marketing messages to cross sell, up sell and acquire ATM users.”

As a CRM solution provider, Naviant offers a comprehensive suite of services including marketing and business process consulting, technology implementation, training and support. Using state-of-the-art CRM technology such as data warehousing, data mining, decision support, campaign management and Web-based information delivery, Naviant supports its clients’ needs to analyze, track and forecast their customer base. Naviant’s clients are focused in customer- and data-intensive industries including financial services, insurance, telecommunications and retail.

For more information on Naviant Technology Solutions, visit their Web site at or call 610-355-7040.


Jones Naughton Entertainment, Inc. announced Tuesday they have entered the Internet commerce business by forming a new business unit named [][1]. Expanding on the previously announced joint venture with Senatron, Inc., will focus on offering discounts and price savings for goods and services available through name brand national companies. Sales will focus on the travel industry (Car Rentals, Casinos, Hotels, Airlines), dining and entertainment (Restaurants, Amusement Parks, Concerts), Financial Services (Credit Cards, Insurance, Discount Brokerages).

As a way to kick off promotions, Jones Naughton will offer free pre-paid calling cards to the first 5,000 consumers who become members. These cards will be made available through GTE calling card services. Cyber-shoppers will be able to “Print” the card off the web site with the “Pin Number” included. This marketing program will enable to rapidly build a database of customers and increase membership dramatically in a rapid time frame.

“Using the Internet to disseminate coupons is an incredibly cost-efficient method compared to traditional direct mail. Jones Naughton is extremely excited about entering the Internet commerce business, and the initial response to our Internet strategy has been beyond our expectations. Combining this exciting web site with our existing family of publications further extends Jones Naughton’s position in the market place,” said Patrick M. Rost, Director of Business Development for Jones Naughton Entertainment, Inc.

About The Company

Jones Naughton Entertainment, Inc. through its operating businesses Community Marquee and Affiliated Marketing Services, Inc. provides multi-media publishing, advertising, Internet services, and media buying services.

Publications and advertising opportunities under the Jones Naughton umbrella include freestanding kiosks, pre-paid calling cards through GTE Calling Cards Services, “The Smart Shopper Savings Saving Guide,” “The Entertainer and Lifestyles Magazines,” the “American Home Marketing Guide” and several other local, regional and national publications. AMS’ joint venture with Senatron, Inc. will make AMS’ publications available on the Internet allowing consumers to access all the information from current previous publications. Numerous nationally-known advertisers subscribe to Jones Naughton’s services.



Coinstar Records

Coinstar Inc. announced Tuesday that Americans have cashed in more than one billion dollars of their spare change using the company’s nationwide, on-line network of self-service coin counting machines. ‘Coinstar’ machines, located in more than 4,600 supermarkets in 35 states, allow shoppers to empty their piggy banks and coin purses in exchange for cash.  More than 70,000 tons of coins have been processed though Coinstar’s self-service machines since Molbak installed the company’s first machine in San Francisco six years ago. Company research indicates that more than half its customers are already repeat users who regularly process change they receive from their daily cash transactions.


CarmelCash 2.0

Affordable, state-of-the-art software designed to process Internet credit card transactions, is now a reality.

Developed by Carmel Worldwide Corp., CarmelCash 2.0 is a secure, real-time credit card processing system with which merchants can enhance their Web sites. Merchants who begin accepting credit cards may expect to double their existing sales.

CarmelCash 2.0 can process on most major credit card networks. It can be used with existing merchant accounts, if account contract permits Internet transactions, or Carmel can assist merchants in obtaining a merchant account.

CarmelCash 2.0 requires no special software and therefore can be used on any type of server. Simply collect the order information and transfer the data to the secure Carmel server. Optionally, data can be returned to the original site for further processing. Try CarmelCash online at .

Additionally, Carmel Worldwide has a licensing and marketing agreement with LaGarde Incorporated, makers of StoreFront(TM), an extensive shopping cart program. Carmel’s credit card processing technology has been incorporated into LaGarde’s StoreFront giving merchants an affordable e-commerce solution.

This agreement will address the rapidly growing demand for secure, real-time credit card processing and easy product ordering through the Internet. Under the terms of this agreement, LaGarde will distribute a CarmelCash module with its software and as an upgrade to existing StoreFront sites. See for additional information and server requirements information.

Carmel Worldwide Corp. also provides Web hosting and Web site development. More information is located at or call 888/299-9888.



ACI Worldwide confirmed Tuesday the licensing of ‘ClaimTrack’ client-server to Washington Mutual. ‘ClaimTrack’ is a Windows-based product that helps institutions track claims and adjustments in their debit and credit card processing operations. Washington Mutual will integrate ‘ClaimTrack’ with its off-line debit card processing operation. The system automates the adjustment process, automatically guiding staff through the steps needed to properly handle claims, adjustments, debit card chargebacks and representments. ‘ClaimTrack’ automatically calculates all Regulation E due dates and required customer notifications, complies with VISA and MasterCard rules and regulations, and keeps track of which network rules to use in processing adjustments.


One-to-One Marketing

Diebold announced a new system that allows ATM deployers to cross-sell services through personalized, on-screen marketing messages on an ATM. Diebold’s one-to-one ATM marketing concept uses the waiting time of a standard ATM authorization period to display interactive messages to consumers about products and services. Because it works in conjunction with an ATM deployer’s customer information database, the system allows institutions to custom-design the advertising message depending upon demographics, existing account relationships or retail buying habits. For example, a bank customer using an ATM during the holiday season might be shown a promotion for debt consolidation loans on one transaction, while the frequent ATM user next in line, who is not a bank customer, might read about a new checking account that waives ATM transaction fees. For ATM deployers, the system provides a tracking capability that allows them to monitor the success of the ATM marketing program. It can also be configured to dispense a coupon from the ATM receipt printer as a way to reinforce a message.


BroadVision VISA

BroadVision, Inc. announced that it will support online Visa Purchasing Card transactions in an upcoming BroadVision-Visa co-branded release of BroadVision One-To-One Commerce.  A purchasing card is a credit card that uses traditional credit card networks to simplify purchasing and provide additional transaction information to enterprises and to merchants.  Corporate users will benefit from secure Internet transactions conducted using their Visa Purchasing Cards with BroadVision One-To-One Commerce applications.

The U.S. Federal Government is mandating that all transactions under $2,500 made by government purchasing agents be transacted using a purchasing card in a drive to reduce costs and simplify accounting by automating paper-driven purchasing processes.  The mandate will go into effect in 1999, creating a tremendous demand for systems that support transactions made with purchasing cards.  In addition, companies looking to streamline their accounts receivable processes will be able to use purchasing card technology to help automate their enterprises.

“As the leading supplier of e-commerce applications, BroadVision is pleased to deliver a solution that incorporates Visa Purchasing Card functionality.  BroadVision’s One-To-One Commerce application, combined with robust payment support, will provide merchants and enterprise users with a new level of secure and personalized credit card transactions over the Internet,” said Dr. Pehong Chen, president and CEO of BroadVision, Inc.

“As a market leader, BroadVision delivers online solutions with state-of-the-art personalization and transaction capabilities,” said Cory Gaines, vice president of Commercial Card Acceptance for Visa U.S.A.  “With the integration of our Visa Purchasing Card, we have a joint solution that is customer-focused and facilitates enterprise and merchant adoption of this emerging procurement standard.”

Purchasing cards combine the functionality of credit cards with the expertise of the enterprise purchasing manager in every transaction.  As a result, they provide greater enterprise control over distributed purchasing processes and provide the following benefits:

* Reduction of paper-based requisitions, purchase orders, invoices, and checks as employees order merchandise electronically, directly from the supplier;

* Time- and cost-savings as employees spend less time on paperwork; and

* Automated controls for single transaction dollar limits, overall spending limits, and merchant category blocking.

The BroadVision solution will merge the efficiency of the purchasing card with the power of an industry-leading personalized e-commerce application. Corporate users will be empowered to transact securely over the Internet using their purchasing cards.  With extended support for detailing transactions down to item level (Level 2 and Level 3) purchasing card transactions, enterprises can receive the same level of transaction detail found on expensive paper-based invoices.  And, this information can be fully integrated, electronically, with the organization’s general ledger.

“A purchase order may cost anywhere from $50 to $300 to process, regardless of the dollar value of the purchase,” said Gaines.  “Purchases under $5,000 usually account for up to 90% of all transactions, but only 10% of the total purchasing dollars spent.  The Visa Purchasing Card significantly reduces the need for purchase orders and related paperwork, so it will help companies improve efficiency, increase control, and reduce expenses.”

About BroadVision

BroadVision, Inc. is the leading worldwide supplier of one-to-one Internet business applications for extended relationship management (XRM). BroadVision’s end-to-end solutions enable companies to rapidly deploy and cost-effectively operate secure, scalable, intelligent, and flexible electronic business and knowledge management applications for the financial services, retail, distribution, high technology, telecommunications, and travel industries.

The company’s entire product line has experienced exceptional growth and increasing acceptance by Global 2000 businesses with over 200 customers including American Airlines, Credit Suisse, Development Bank of Singapore, Fingerhut, Hewlett-Packard, IBM, Liberty Financial, META Group, Nortel Networks, RS Components, Standard Chartered Bank, Silicon Valley Bank, Solectron, Thomas Cook, Visa USA and Xerox. BroadVision is headquartered in Redwood City, Calif. and maintains an extensive network of subsidiaries and licensed resellers in North and South America, Europe, Australia and Asia. The company can be reached at 650-261-5100 or at



NCR Corp. unveiled new ranges of scalable and drive-up ATMs this week. The ‘personaS70 Scalable Solution’ is designed to offer complete flexibility for today’s fast-changing and dynamic self-service market. The new NCR ATMs centers on three core solutions: ‘Lite’, ‘Classic’ and ‘Max’. The ‘Lite’ offers a low cost of ownership solution for users such as small retailers who want to offer consumers basic transactions; the ‘Classic’ suits traditional self-service outlets, i.e. the type of owner who expects heavy usage from consumers and might want to offer other services such as on-screen advertising or account inquiries; and the ‘Max’ which is for ATM providers who want to explore the expanding potential of the self-service delivery channel today and tomorrow by offering consumers anything from stamps to deposits and discount coupons as well as cash and other banking services.


Malaysian SET

SDM International, a leading provider of electronic payments software, is pleased to announce that the first Secure Electronic Transaction (SET) pilot in Malaysia is using the Shared Network Facility component of OCM24, SDM’s flagship e-payments product.

The pilot is being operated by Maybank, largest bank in Malaysia, and the Malaysian Electronic Payments System (MEPS), the country’s national switch, and is using software and technology from several vendors, including IBM, Visa International, and VeriSign as well as SDM.

The pilot, which began in early November, allows Maybank credit cardholders to purchase items from a local supermarket and a computer products vendor using the Internet. SET is used to validate the consumer and the merchant using digital certificates from VeriSign, and to secure the transactions.

The consumer uses a browser and electronic wallet software from Visa International to send a purchase request to the merchant server running on the World Wide Web site. The merchant server forwards a request for authorization to MEPS, where IBM’s Payment Gateway product fields the request and uses SET to verify the consumer and merchant with VeriSign, the certificate authority.

To complete the authorization, the Payment Gateway routes the request to Maybank, where SNF translates the message into a form recognized by the bank’s credit card application. Once the authorization is obtained, SNF re-translates the message and routes it back through the Payment Gateway to the merchant server, which confirms the purchase with the consumer.

Thanks to IBM’s Payment Gateway and SDM’s SNF middleware, the Internet purchase looks like a normal credit card transaction. SNF’s message translation and routing capabilities allow Maybank to accept a number of different message formats and preserve investments in existing back-end systems.

OCM24 is an advanced electronic payments system used by financial institutions of all types and sizes to manage proprietary and shared automatic teller machine (ATM) and point-of-sale (POS) networks. Running on the full range of IBM System/390 platforms, OCM24 provides device management, transaction control, authorization, shared networking, cardholder management, and data encryption.

SNF is a switch gateway that connects to a variety of payments networks and back-end banking systems. Switch exits have been built for over 50 networks around the world. The SNF interface to IBM’s Payment Gateway was developed by StrataSoft, SDM’s business partner in Malaysia.

SDM International has been delivering electronic payments and EDI communication solutions since 1980 and is based near Raleigh, North Carolina. The company is an IBM Business Partner and supports hundreds of product licenses worldwide. For more information on any of SDM’s software products, please contact the SDM sales and marketing department at 919-552-1100, by FAX at 919-552-6116, or via e-mail at [][1]. Visit our Web site at [][2].



Green Earth Cards

NBS Technologies and its US subsidiary, NBS Card Services announced Tuesday the introduction of the biodegradable ‘Green Earth Card’, with the features of a standard bank card with the environmentally friendly properties of a biodegradable and renewable resource. The new card is made from Monsanto’s ‘Biopol’, the product of naturally fermented sugar feedstocks. This biodegradable polymer has many of the properties of traditional PVC plastics and can be processed into cards using conventional manufacturing techniques.  NBS recently delivered its first US and Canadian orders of the ‘Green Earth Card’ to major financial institutions. The former NBS card production site in Byfleet, UK originally produced the first biodegradable cards in the UK for the Cooperative Bank’s ‘Greenpeace VISA Card’. These cards meet industry ISO physical and magnetic stripe specifications.