SCIA Security Initiatives

The Security Committee of the Smart Card Industry Association (SCIA) has launched a two-part effort to help the industry manage security issues.

“First, we want to help educate card developers about the many facets of card security,” said Committee Chairman Gilles Lisimaque of Gemplus. “Second, we’re forming a Fast Response Team of experts in security issues who will provide factual information to the media when card security becomes headline news.” The effort was announced at a committee meeting held December 9, 1997, prior to the start of CardTech/SecurTech ’97 West.

Smart card security should not be a competitive issue, Lisimaque said. Smart cards are only one part of the security issue, which involves readers, and other systems–both human and electronic. “We need to ensure that smart cards are a strong link in that system. Working cooperatively with everyone in the security loop will help optimize card protection from unauthorized access.”

The results of this kind of effort go to the heart of security issues–protecting brand equity in the marketplace. Product and service branding has become one of the few areas in which a company can create a sustainable competitive advantage and is often cited as a factor in a company’s strong stock price.

The Educational Effort

The committee’s educational effort will span the smart card industry, but focus on card developers. Developers need information on the importance of balancing such security issues as cost, level of protection and sophistication of barriers to unauthorized access, but aren’t getting all they should have, Lisimaque said.

Educational activities will include creating white papers on a variety of security issues, gathering and sharing information with members, and inviting security experts to talk at committee meetings.

The committee also will search the Internet and contact other organizations for information on security issues and share that with members. Information Technology Security Evaluation Criteria, for example, could be helpful to card developers, even though they do not specifically address smart cards.

In terms of inviting security experts to talk at committee meetings, an executive of a major banking credit card company presented his company’s perspectives on financial security to committee members at the meeting in San Jose. The executive presented the company’s security testing procedures for consideration as industry standards.

The Fast Response Team

The second part of the effort is forming a SWAT-style spokesperson cadre of industry experts who can satisfy media inquiries for factual information on smart card security issues.

“When a crisis hits, this Fast Response Team will help the media better understand card security issues so they can report on news developments more accurately,” Lisimaque said. Team members will be recruited from manufacturers, resellers and consultancies. Included in this activity will be an ongoing effort to identify rumors and other misinformation circulating in the industry and proactively defuse them.

Besides the education and the response team activities, the committee plans to study the need for a separate Privacy Committee within SCIA.

The Security Committee of SCIA serves as a “meeting place” for members to discuss smart card security issues and to share information so they can develop better security solutions within the card applications they help develop.


Diebold Earnings Up 24%

Diebold, Incorporated announced 1997 fourth quarter and year-end results that are the highest ever in the company’s 138-year history.

In the quarter ended December 31, 1997, Diebold had record net income of $35,037,000, or $.51 basic earnings per share, on record revenues of $341,348,000.  This compares with net income of $28,286,000, or $.41 per share, on revenues of $294,172,000 in the 1996 fourth quarter.  Earnings per share in the 1997 period were up 24 percent compared with the 1996 fourth quarter, while revenues were up 16 percent versus revenues for the 1996 period.

For the 12 months ended December 31, 1997, Diebold recorded the highest net income ever, $122,516,000, or $1.78 basic earnings per share, on revenues of $1,226,936,000.  This compares with net income of $97,425,000, or $1.42 per share, on revenues of $1,030,191,000 for the 12 months ended December 31, 1996.  Earnings per share for 1997 were up 25 percent versus 1996, while revenues for the year were up 19 percent.

“We are very pleased to have again achieved such outstanding earnings growth for the year,” said Robert W. Mahoney, chairman and chief executive officer.  “We achieved significant order growth in all of our businesses in the fourth quarter, which positions us well for the start of the new year.”

Diebold, Incorporated, headquartered in Canton, Ohio, is a world leader in providing card-based transaction systems, security and service solutions to the financial, education and healthcare industries.  Founded in 1859 as a security equipment company, Diebold currently provides integrated solutions incorporating its automated teller machines (ATMs), electronic and physical security systems, electronic payment systems, professional services and software.

                             DIEBOLD, INCORPORATED

                                   Three Months Ended    Twelve Months Ended
                                      December 31,            December 31,
                                    1997       1996         1997       1996
    Net Sales
      Product                     $236,482   $202,432     $825,125   $679,053
      Service                      104,866     91,740      401,811    351,138
      Total                        341,348    294,172    1,226,936  1,030,191

    Cost of Goods                  218,332    192,284      796,836    672,679
    Gross Profit                   123,016    101,888      430,100    357,512
          Percent of Net Sales        36.0%      34.6%        35.1%      34.7%

    Operating Expenses
     Selling, General and
       Administrative               54,152     48,490      191,842    166,572
      Research, Development
        and Engineering             15,641     13,824       54,397     50,576
      Total                         69,793     62,314      246,239    217,148
          Percent of Net Sales        20.4%      21.2%        20.1%      21.1%

    Income Before Taxes             53,087     42,542      185,659    146,504
          Percent of Net Sales        15.6%      14.5%        15.1%      14.2%

    Taxes on Income                 18,050     14,256       63,143     49,079
          Effective Tax Rate          34.0%      33.5%        34.0%      33.5%

    Net Income                     $35,037    $28,286     $122,516    $97,425
          Percent of Net Sales        10.3%       9.6%        10.0%       9.5%

    Average Shares Outstanding      68,979     68,834       68,939     68,796

    Basic Earnings Per Share         $0.51      $0.41        $1.78      $1.42

    Diluted Earnings Per Share       $0.50      $0.41        $1.76      $1.40

SOURCE  Diebold, Incorporated


ICVERIFY Supports ActiveX

ICVERIFY Inc., the worldwide leader in providing transaction processing software for merchants, announced its new ActiveX component.

The component is designed to streamline the process of integrating ICVERIFY with Internet storefront applications and Windows-compatible point-of-sale applications.

ICVERIFY software enables merchants to process VISA, MasterCard, American Express, Discover Card, Diners Club, Carte Blanche, JCB and private-label credit card transactions. In addition, the software enables retail merchants to accept debit (ATM) cards and checks using a PC or PC-based electronic cash register. ICVERIFY maintains over 250 processor certifications, allowing merchants to choose from more than 99% of all U.S. banks for their payment processing needs.

With ActiveX, software developers and integrators can choose from a wide range of tools to build interactive applications and Web content quickly and easily.

“The ActiveX option demonstrates ICVERIFY’s commitment to meeting the ever-changing needs of integrators, developers and their clients,” said Steven Elefant, chairman and co-founder of ICVERIFY. “It adds to ICVERIFY’s extensive array of integration options, giving developers and integrators the ability to quickly add payment processing to any Windows-compatible or Internet application.”

The ActiveX integration option for ICVERIFY will ship at the beginning of February. It will be available exclusively to members of ICVERIFY’s Integration Partnership Program.


ICVERIFY Inc. is a privately-held, venture capital-funded corporation with U.S. headquarters in Oakland, California, and European headquarters in Munich, Germany. The company is the leading provider of software solutions for authorizing credit, purchase, debit/ATM card and check guarantee transactions for merchants. Online stores and other Web commerce sites, Internet service providers, retail stores and catalog companies use ICVERIFY at more than 250,000 point-of-sale locations worldwide. For more information about ICVERIFY, visit [][1] or call 800/666-5777.



Cool Cards for NHL All-Star

Hypercom Corporation and MasterCard International teamed for the second straight year to provide interactive “Cool Cards” enabling attendees of Pinnacle/NHL FANtasy to take home hockey-related prizes.

Pinnacle/NHL FANtasy is a fan fest leading up to the National Hockey League All-Star Game, which was played Sunday, January 18, at General Motors Place, the home arena of the Vancouver Canucks. MasterCard, along with more than 20 other sponsors and major NHL business partners, entertained attendees with hockey-related exhibits, games and souvenir stands.

MasterCard, the official card of the National Hockey League, is distributing special commemorative “Cool Cards” to those attending Pinnacle/NHL FANtasy, which runs for five days at GM Place — from Wednesday the 14th through Sunday the 18th. A number of the interactive chip cards are pre-programmed to allow attendees to win a variety of prizes. Attendees determine if they are a winner by inserting the card into Hypercom S7SC PIN Pads.

Hypercom and MasterCard International hope to build on the success of the promotion last January during Pinnacle/NHL Fantasy preceding the NHL All-Star Game in San Jose, CA.

“MasterCard was extremely pleased with how the Hypercom hardware operated last year in terms of validating cards and quickly giving winners the good news. And Hypercom is excited to again be part of the team,” said John Marshall, Senior Vice President of Sales and Marketing, Hypercom POS US/Canada. “Also, the combination of Hypercom hardware and MasterCard “Cool Cards” served as a highly effective marketing tool, giving attendees an incentive to visit exhibitors’ booths.”

Marshall continued, “Hypercom builds POS products to satisfy current and future needs. The S7SC Smart Card PIN Pad, which will be deployed at exhibitors’ booths and the MasterCard booth, has both an embedded circuit card reader and a magnetic stripe card reader.”

How to Win

Upon arriving at Pinnacle/NHL FANtasy, the attendee receives a MasterCard “Cool Card” programmed specifically for the event. To determine if the card is a winner, a two-step process is required.

First, the attendee stops by exhibitors’ booths and inserts the “Cool Card” into the S7SC PIN Pad. The S7SC will electronically validate the card for those specific sponsors. Attendees are encouraged to validate their card at as many exhibitor booths as possible.

As the attendee leaves Pinnacle/NHL FANtasy, s/he stops by the MasterCard booth to determine if the validated card is a winner. There also, the card is inserted into one of four S7SCs. Some prizes include hockey skates, jerseys and the use of a luxury box at a Canucks’ game. Topping the list is a trip to the 1998 Stanley Cup Finals.

About MasterCard International

MasterCard International, a payments company with one of the world’s most recognized brands, is dedicated to helping more than 22,000 financial institutions around the world offer consumers a variety of payment options. MasterCard remains focused on helping to shape the future of money by expanding acceptance of its global brands (Mastercard(R), Maestro(R), Cirrus(R), the world’s largest ATM network) and maintaining reliable, secure networks facilitating global value exchange. MasterCard has nearly 370 million credit and debit cards that are accepted at more than 13 million acceptance locations worldwide. MasterCard can be reached through its World Wide Web site at .

About Hypercom Corporation

Hypercom Corporation is a leading supplier of point-of-sale (POS) payment systems, enterprise networking solutions and client/server software. Phoenix, AZ-based Hypercom markets its products in more than 50 countries worldwide. Hypercom Corporation consists of four divisions Hypercom POS US/Canada, Hypercom International, Hypercom Network Systems and Hypercom Manufacturing Resources. Hypercom’s common stock is traded on the New York Stock Exchange under the symbol “HYC”.

Certain matters discussed within this press release are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Although management of Hypercom believes the expectations reflected in such forward-looking statements are based on reasonable assumptions, it can give no assurance that its expectations will be attained. Factors that could cause actual results to differ materially from expectations include industry, competitive and technological changes; risks associated with international operations and foreign currency fluctuations; the composition, timing, and size of orders from and shipments to major customers; inventory obsolescence; market acceptance of new products and other risks detailed from time to time in Hypercom’s SEC reports, including the company’s prospectus dated November 13, 1997.

NHL FANtasy is a trademark of the National Hockey League. All other marks are property of their respective companies.


ProMark Gets Quality Award

ProMark One, a subsidiary of International Data Response Corporation (IDRC), recently received an MVP Quality Award for outstanding quality in telemarketing.

ProMark One, the 5th largest outbound telemarketing service agency in the nation, was recently awarded Telemarketing and Call Center Solutions magazine’s MVP Quality Award in the category “Outbound Business-to-Consumer Program”.  This is one of the highest honors attainable in the telemarketing industry.   To win the award, each applicant is required to provide documentation of a case study as well as details on procedures and policies that have been implemented to ensure telemarketing of the highest quality, including regulatory compliance, customer service, operations policies and procedures, work environment, technologies, and public relations efforts.  This is the first time that ProMark One has received this prestigious award.   Results will be published in the January issue of the magazine.

ProMark One specializes in providing customized outsourced solutions to the financial services and telecommunications industries, among others.  Alone, ProMark One currently has nearly 2,400 workstations and 4,000 employees in 15 locations nationwide.  Through our affiliation with IDRC (our parent company), we have comprehensive service offerings and resources, including access to a total of nearly 4,500 workstations and 31 locations throughout the United States and Canada.


Strong Finish

Household Bank surpassed 21 million cards-in-force at year’s end, adding more than 600,000 accounts and increasing receivables 8% during the fourth quarter. The data are based on Bankcard Barometer/CardData’s ‘Fourth Quarter 1997 Portfolio Survey’, now underway.

           HOUSEHOLD’S FOURTH QUARTER 1997 STATS (12-31-97)
          RECV      Q-VOL     YTD-VOL   ACCTS     ACTVS     CIF
HH       $17.3b     $9.7b     $34.2b    16.0m     7.4     21.2m
     recv-receivables; vol-volume; accts-accounts; actvs-actives;
cif-cards-in-force; Source CardWeb, Inc.’s Bankcard Update/CardData



IDRC (International Data Response Corporation), a leading provider of outsourced Teleservices and Internet based solutions, is pleased to announce the formation of IDRC USA and the appointment of John D. Weil as its President & CEO.

![][1] Weil’s involvement with IDRC started in the Spring of 1996 when he became a member of the IDRC Board of Directors.  He comes to IDRC USA with considerable professional experience in senior management positions in manufacturing and direct marketing.  He has had several senior management and board level assignments with McCown De Leeuw & Co. (IDRC’s principal shareholder) portfolio companies.  Weil is currently in the process of transitioning from his role at AmeriComm Holdings, Inc. where he has served as Executive Chairman for the past two years.  He has also served as a Director of publicly-held FiberMark Corporation, a converter of specialty papers and fibers and Sage Enterprises, Inc., a food service distributor.

Prior to Weil’s involvement with McCown De Leeuw & Co., he served for 13 years as the President & CEO of American Envelope Company.  Prior to this, he served for 7 years as the President of Kent Paper Company, a subsidiary of Williamhouse-Regency, Inc.  His educational background includes a BS in Economics from the University of Illinois and an MBA from Northwestern University.

In his new role as President & CEO of IDRC USA, Weil will be responsible for all of IDRC’s operations within the United States, with the ultimate goal of building a world-class organization.

“I am looking forward to the challenges of my new position and to being a part of the IDRC team that I believe will ultimately lead this industry. As a Director since 1996, I have had the good fortune to get to know my management team in advance of my appointment, so I have been able to hit the ground running.”

In conjunction with Weil’s appointment, IDRC is now organized geographically into two operating units, consisting of IDRC USA, based in Scottsdale, AZ and IDRC International, based in Toronto, ON.  ProMark One Marketing Services, IntelliSell Corporation and Telnet Systems operate as integrated business units of IDRC USA, while S&P Data Corporation is the operating unit of IDRC International. Through the combined resources of these companies, IDRC is able to offer a wide spectrum of fully integrated services to clients throughout North America.  The IDRC network of companies currently has nearly 6,800 employees, and nearly 4,500 workstations in 31 locations throughout the U.S. and Canada.

Based in San Diego, CA, IDRC specializes in providing inbound and outbound telephone and Internet based solutions that target businesses and consumers in a variety of industries, including telecommunications, financial services, and insurance, among others. IDRC uses customized, state of the art computer and telephone based technologies in its operations.  IDRC’s focus is to work with selected business partners, helping them and to maximize the lifetime value of their customers through the effective use of telephone and Internet-based support systems.  IDRC is dedicated to developing the combined potential of all of its operating companies by offering fully-integrated services to clients throughout North America. IDRC is a portfolio investment of Menlo Park, CA and New York, NY based McCown De Leeuw & Co., a private venture-banking firm, committed to building companies that make a difference in their respective industries. IDRC USA’s headquarters are located 7272 E. Indian School Road, Suite 350, Scottsdale, Arizona 85251.

[1]: /graphic/idrc/weil.gif


IVI Checkmate

Toronto-based International Verifact and Georgia-based Checkmate Electronics agreed to merge last Friday. The transaction is valued at $50 million. The combined entity will be called IVI Checkmate Corporation and will become the third largest firm in the electronic payment solutions industry. The company will also become North America’s number one firm providing check readers and multi- lane retail payment solutions. IVI Checkmate will have four operating subsidiaries including IVI Canada, IVI Checkmate U.S., National Transaction Network and IVI-Ingenico. L. Barry Thomson, current president/CEO of IVI will become president/CEO of IVI Checkmate Corp while Gregory A. Lewis, current president/COO of IVI will become president/COO of IVI Checkmate U.S.


Gemplus’ Transparent Readers

As they operate on-line connected to a computer or terminal, transparent smart card readers from Gemplus are providing a convenient and flexible link to secure network access or electronic payment programmes. They are also proving ideal for such applications as multi-media, GSM and home banking.

The range of transparent readers offered by Gemplus, the world’s leading producer of magnetic stripe cards and smart cards, includes external readers, integrated readers and integrated couplers.

One of the external readers, the GCM336, is a smart card ready modem which is suitable for user authentication, digital signature or payment. Operating at 33,600bps, the reader is also ideal for Internet use. It is reckoned to be the first single unit device to combine network access via modem with security control using a smart card reader/writer.

By offering an effective interface between a computer and a smart card, the GCM336 can control access to databases and corporate computer networks. With the use of a smart card access key, the unit is ideal for electronic commerce and home banking.

Other products in the range include the GCR400 universal smart card reader. Designed to offer maximum autonomy and ergonomic operation, this unit includes a separate power supply and is capable of reading, writing and deleting data. It is particularly suited to such applications as testing and electrical card personalisation. In addition, the GCR400 can be hooked up to a desktop workstation, either as a fixed unit or placed horizontally or vertically on the desk.

The GCR400-FD is a smart card reader designed for integration into a PC- compatible microcomputer. Ready for installation into a 3 ” floppy disk drive bay, the device includes a smart card reader based on the GCR400 and an extension card which is installed in the PC. The unit can also be installed in 5″ drive bays using an adapter.

Especially suited to logical access control applications, the GCR400-FD can be augmented with a plug-in format security module which upgrades application security and makes the unit ideal for use as a dedicated reader for this function.

Another reader in the Gemplus transparent range, the GCR410 is designed for use linked to a PC by RS232 serial connection. Powered on the keyboard port, this external reader is reckoned to combine low cost with high capacity while minimising time to market. It communicates with the PC at up to 38,800 bauds and is capable of reading from and writing to all ISO7816- 1/2/3 microprocessor smart cards.

For users of information systems equipped with a PCMCIA port, the GPR400 compact smart card reader/writer is a lightweight device which offers high performance.

The first smart card reader in PCMCIA type II format, the GPR400 can tackle such applications as computer security, information highways, healthcare, banking and telecommunications. When used for access control for local and wide area networks, for example, including the Internet, the GPR400 enables the operator to control access to databases and corporate computer networks. It can also be used for payment systems on the information highways.

Other features of the GPR400 include the ability to identify the computer user when he inserts his smart card. Also, with a smart card access key, the unit offers protection against unauthorised software copying by limiting the use of a software package to one person.

At the heart of the Gemplus transparent readers product line is the GCI400 mini- coupler. This modular, upgradeable device allows users to implement and manage the interface between smart cards and computers.

Essentially, the GCI400 is an all-purpose coupler which can be used for integration into payphones or in payment terminals for all payment or electronic purse applications. It can also be used as the central component in dedicated access control environments. As well as card management, the coupler is ideal for controlling hardware peripherals, display, keyboard, buzzer, data memory, program memory and so on.

Common to all Gemplus readers is the GemCore operating system, which is designed to ensure efficient use of memory and high levels of security and reliability. GemCore is a component kit for manufacturers of electronic hardware which enables the smart card function to be integrated into any type of electronic equipment. This could include keyboards, public payphones and vending machines, or portable devices such as phones or computers.

All Gemplus smart card readers in the range are compatible with international current electro-magnetic standards. In particular, they comply with PC/SC standards which ensure that smart cards, readers and computers made by different manufacturers can work together. They readers are also supplied with a development kit which includes all the tools needed, eg C drivers and documentation, to develop software applications.

Gemplus Group is the world’s leading producer of magnetic stripe cards and smart cards. Gemplus manufactures and sells memory cards, microprocessor cards (both contact and contactless), and magnetic stripe cards, as well as electronic tags. It also designs and markets software, terminals and systems and provides personalisation, consultancy and training services to offer its customers comprehensive solutions.

In 1996, Gemplus’ total sales were GBP 288 million. In 1997, the company boasts a production capacity of 900 million plastic and smart cards. Gemplus sells its products worldwide for such applications as public and cellular telephony, financial transactions, loyalty, transportation, education, healthcare, gaming, identity, access control, pay TV, security for computer networks and electronic commerce.

Information about Gemplus’ products and services can be found on the World Wide Web at [http//][1]

Gemplus will be exhibiting it’s range of readers at Smart Card 98, 17-19 February, Olympia 2, stand B4



VISA Biz Card Ed Program

Visa U.S.A. is ringing in the New Year by educating small business owners about the diverse Visa Business portfolio, including Time To Cash In!, the largest-ever national promotion for Visa Business cardholders.

The free program, launched on October 15, 1997 and running through October 14, 1998, joins Visa’s other successful small business programs – including Instant Visa Rewards and Visa Hotel Savings Program – to provide entrepreneurs with a complete range of benefits from traditional travel and entertainment merchants to suppliers used in the daily operations of a small business.

“With Time To Cash In!, we’ve looked past travel and entertainment purchases to create a program that delivers more of the products and services that small businesses seek. This should ultimately have a greater bottom-line impact for cardholders,” said Bruno Perreault, senior vice president, Commercial Card Products, Visa U.S.A.

Upon meeting minimum monthly purchase requirements with the designated national suppliers, cardholders who use their Visa Business card to pay for their purchases will receive cash back on a percentage of the total dollars they spend — in addition to any existing in-store sales or special offers. Quarterly cash rewards will be sent to cardholders in the form of a check.

National merchants participating in Time To Cash In! were selected based on their universal appeal to small business owners and include Alamo Rent-A-Car, Barnes & Noble, Insight – America’s Discount Source for Computers, Hardware and Software, Shell Oil Company and Sir Speedy. Visa Business cardholders can enroll free-of-charge in Time To Cash In! and can check the status of their award levels at any time by calling 1-800-520-VISA (8472).

Time To Cash In! joins Visa’s successful roster of programs, such as Instant Visa Rewards, which offers Visa Business cardholders immediate savings on services and resources designed for small business owners. By logging on to Visa’s web site at, Visa Business cardholders can receive exclusive discounts from merchants featured on the site, including 1-800-Flowers, Epson, Franklin Covey and Home Office Computing, among others.

Time To Cash In! and Instant Visa Rewards build on Visa’s long-standing Hotel Savings Program, which provides small business owners with access to savings of up to 60 percent at more than 11,000 hotels, motels and resorts in 146 countries. By calling Visa’s toll-free hotel discount information service, Visa Business cardholders receive information on properties that meet their specific location, budget and hotel preferences, the Visa Discount Code and a reservations number for the property.

Thanks to preferred rates negotiated by Visa, the Hotel Savings Program gives small business owners the travel advantages that large corporations typically enjoy. Visa Business cardholders can lower their travel expenditures free-of-charge by calling 1-800-VISA-616.

Visa offers a range of commercial card products for companies of all sizes. In addition to the Visa Business card, the company also offers the industry’s most widely-used purchasing card and the Visa Corporate card.

Visa is the preferred payment brand and the largest consumer payment system worldwide. It plays a pivotal role in advancing new payment products and technologies to benefit its 21,000 member financial institutions, their cardholders, and the global economy.

Visa is the only consumer payment system to facilitate $1 trillion worth of purchases of goods and services in a fiscal year. Visa’s nearly 600 million cards are accepted at more than 14 million worldwide locations, including 380,000 ATMs in the Visa/PLUS global ATM Network. Visa’s small business Internet address is [][1]



Streamlined P-Card

Credit Card Solutions, Inc. (CCSi), a leading provider of innovative client/server software solutions, announced a new version of their award-winning software for management of purchasing cards, The P-Card Solution. The new version, entitled SI (for streamlined installation), is designed primarily for smaller organizations who don’t need the complex mapping and customization required by larger firms.

SI includes all the functionality of the standard version, such as: the On-Line Order Log; allocation to multiple line items and charge codes; loading of cost data directly into the general ledger; advanced supplier and cardholder management; accurate receiving and delivery of purchasing card shipments; and the ability to configure the application to conform with a company’s specific business rules.

Where SI differs is in the capability for customers to perform their own mapping and installation. By simplifying the process, the need for on-site installation by CCSi is not required, reducing the total price for the customer.

“The SI version allows those smaller customers who may not have a large IT budget to realize the benefits of The P-Card Solution,” says Jim Carroll, Director of Product Development at CCSi. “Just because an organization is relatively small doesn’t mean they don’t face the same reconciliation difficulties experienced by the large corporations. We’ve designed the SI version to enable these customers to affordably solve their purchasing card challenges.”

Pricing for SI starts at $6,995. As customer surveys confirm The P-Card Solution reduces purchasing card administrative costs by an average of 57%, the software will typically pay for itself in three months or less.

The P-Card Solution SI will be available for demonstration at the California Association of Public Purchasing Officials (CAPPO) conference in Glendale, CA, Tuesday, Jan. 20, 1998.

About The P-Card Solution

The P-Card Solution is a robust client/server software designed specifically for use with purchasing cards (VISA, MasterCard, or Amex). It functions in any LAN environment utilizing DB2, Oracle, Sybase, or Microsoft SQL Server databases (adaptable to other databases) and operates on both Windows and Macintosh personal computers. It integrates with all popular (and legacy) accounting software packages and E-mail systems. For more information about The P-Card Solution, contact CCSi at 509-943-7998, via E-mail at, or on the internet at .