Health Charge Corp Launches Card

Health Charge Corp. and Christ Hospital announced the execution of a contract to provide the Health Charge credit card program to patients of Christ Hospital in Jersey City, N.J. The program will begin this month.

“We are pleased to have the opportunity to work with Christ Hospital, which is the first hospital to select Health Charge since the announcement of our alliance with the New Jersey Hospital Association,” said Bruce Nelson, vice president of development of the Health Charge Corp. “Health Charge provides an easy-to-manage credit program at competitive rates to patients seeking to finance their deductibles, co-payments and uninsured medical expenses. We know that our program will reduce costs and improve patient relations at Christ Hospital.”

“The Health Charge program will help our patients who have significant medical bills,” said Drew Lerman, director of finance at Christ Hospital. “This program will help us better manage our operation by out-sourcing the collection of many self-pay balances.”

On Nov. 3, 1997, Health Charge Corp. and the New Jersey Hospital Association entered into an alliance to present the Health Charge Credit Card Program to NJHA members.

Health Charge Corp., founded in 1979, provides private label credit card programs to hospitals and other healthcare providers nationwide. In addition, Health Charge provides business office and systems consulting and proprietary receivables management software to hospitals. Health Charge is affiliated with HealthCare Financial Partners Inc., (NASDAQ:HCFP).

The New Jersey Hospital Association, based in Princeton, N.J., is a trade group committed to helping its 115 member hospitals provide accessible, affordable and quality healthcare in their communities through advocacy, education, research and policy development.


Citibank Canada Goverment Card

Citibank Canada has been awarded a competitive contract to provide services for the Federal Government Acquisition Card Program. Under the Program, departments and agencies will use a commercial credit card, in this case a Visa card, to make government purchases in accordance with federal policy. This contract will create 23 jobs.

The announcement was made today by Bill Graham, MP for Toronto Centre – Rosedale, on behalf of the Honourable Alfonso Gagliano, Minister of Public Works and Government Services. “A credit card is ideally suited to helping government departments and agencies become more responsive and cost- effective,” said Mr. Graham. “The use of this card will streamline government operations and reinforce its advantages over traditional means of payment.”

Mr. Graham added that the Program is a smarter and more efficient way of doing business as it will reduce the number of cheques that must be issued by the government; reduce the need for industry to submit invoices; and ensure that businesses are paid more promptly.

The Acquisition Card Program ensures that the Government of Canada benefits from new banking technologies. It will also give the Crown financial rebates for timely payment of departmental and agency accounts. Under the terms of this Program, Citibank Canada will provide the Government of Canada with rebates based on the length of the payment period and the total dollar amount of the transactions.


Travelers Express-Game Financial Merge

Travelers Express and Game Financial Corporation, two Minneapolis-based firms, completed a $51 million merger transaction which was announced earlier this fall. The transaction is effective today. The merger brings together two leading payment services companies which specialize in separate markets. Travelers Express, a subsidiary of Viad Corp (NYSE:VVI), serves retailers and financial institutions and Game Financial (NASDAQ:GFIN) serves the gaming industry.

“The merger fits very well into our corporate expansion plans, brings us a new market sector in the payment services field and will allow us to cross-sell Game products and services to our existing customers,” said Philip W. Milne, president and chief executive officer of Travelers Express. “It also will fuel Game Financial’s continued growth and bring new services to Game’s customers.”

The two companies will continue to maintain separate operations and management teams in Minneapolis, but Game Financial will operate as a Travelers Express subsidiary. Gary A. Dachis, Game Financial’s founder, president and chief executive officer will continue to run Game Financial.

Game Financial was founded in 1990 and provides cash access services including credit card advances, check cashing and ATM services in approximately 90 casinos across the nation. For the first nine months of 1997, the company’s revenues have increased 81 percent to $24.1 million.

Travelers Express’ parent company, Viad Corp of Phoenix, issued common stock in exchange for 100 percent of the outstanding shares of Game Financial. Game Financial stockholders received $10.75 per share of Game Financial stock for approximately $51 million.

Travelers Express, which has been owned by Viad since 1965, is the largest money order processor and second largest electronic bill payment processor in the nation. In 1996, it processed more than 750 million transactions, including official checks and share drafts for financial institutions.

Viad Corp is a $2.5 billion services company with businesses in airline catering, convention services and travel and leisure, as well as payment services.


Cap One Contributes to Food Bank

Capital One today announced a holiday gift of $500,000 to support Second Harvest Food Banks in each of Capital One’s cities of operation in the United States. Capital One’s donation will be used to provide funding for the local Second Harvest Food Banks to embark on a major endeavor — the Capital One Kids Cafe — to feed children at risk during the holidays and throughout 1998 as well as provide solid educational tools and a nurturing environment to prepare them for the future.

“Capital One is committed to the communities where we work and live,” said Richard D. Fairbank, Capital One’s Chairman and Chief Executive Officer. “We realize that hunger is not just a holiday concern, so we wanted our gift to have long-term impact and make a measurable difference in the lives of children.”

Capital One’s $500,000 contribution will be made to local Second Harvest Food Banks in each of the following cities: Dallas/Ft. Worth, Texas; Tampa, Florida; Richmond, Virginia; Fredericksburg, Virginia; and metropolitan Washington, D.C. In addition, Capital One associates will have significant mentoring and tutoring opportunities to be involved with the Kids Cafe through the Capital One Volunteer Organization.

Headquartered in Falls Church, Va., Capital One Financial Corporation (NYSE: COF) is a financial services company whose principal subsidiaries, Capital One Bank, and Capital One, F.S.B., offer consumer lending products. Capital One’s subsidiaries collectively had 10.7 million customers and $13.5 billion in managed loans outstanding as of September 30, 1997, and are among the largest providers of MasterCard and Visa credit cards in the world. Capital One’s Internet address is .


Indonesian Bank Online

S2 Systems Inc., a leading worldwide supplier of reliable software for electronic funds transfer and electronic commerce, was chosen by Bank Papan of Indonesia to launch that country’s first Internet banking capability, which is based on the S2 software application, OpeN/2:Internet Banking.

All Bank Papan customers at branches throughout Indonesia can now sign up for online banking via the Internet. “For the first time, customers from Bali to Borneo can check account balances, apply for credit cards and loans, and transfer money between accounts, all via the Internet,” said Carol Schmitt, vice president of marketing for S2 Systems. She added that Bank Papan customers have also had remote access to banking via a 24-hour, CTI-enabled call center and a national automated teller machine (ATM) network since early 1997, “so they can bank online by phone, from work or home, or wherever an ATM or Internet connection is found.”

A Financial Times survey shows that Internet-based home banking is one of the fastest-growing trends in financial services worldwide. Banks like Bank Papan recognize that sizable savings are available, since an Internet-based Web site is far cheaper than building physical branches. Booz Allen Hamilton estimates that transactions conducted at a bank branch can cost $1.07, while those at an ATM are $.27. But an Internet transaction costs only one cent.

Bank Papan, a medium-sized bank in Indonesia, is built on, and renowned for, its mortgage loan capabilities; it started emphasizing full service retail banking capabilities in 1996, progressively achieving remote service capabilities throughout 1997. Bank Papan chose S2 Systems because of the open architecture and object-oriented technology of the OpeN/2 software, Schmitt said. The bank was familiar with other products from S2, as well as the company’s expertise in the retail banking industry since the early 1980s. Bank Papan will use the new technology to compete with larger banks in the region, offering new online services as well as traditional services at lower prices. The flexibility of OpeN/2 will allow them to quickly develop new services in response to changing market needs.

One of the key driving forces for Bank Papan, both globally and locally, is competition. For example, through online services via the Internet, the bank’s sales force can visit customers at their homes or offices if they wish to apply for mortgage loans and credit card accounts. Bank Papan has built a mortgage loan origination system using Lotus Domino(R), which may be ported to their web site. “The Internet equalizes the playing field for innovative banks like Bank Papan, who can now nimbly compete against traditional, larger competitors or even new multi-national competitors,” Schmitt said.

For Bank Papan, OpeN/2 runs on the Hewlett-Packard(TM) HP-UX(TM) operating system and a relational database from Informix. The OpeN/2 software is also available on Microsoft(R) Windows NT(R) and other databases, such as Microsoft SQL server and SyBase. OpeN/2 is also scaleable and distributed — if the bank’s current computer system runs out of capacity, additional hardware can be installed without major changes to the software.

Unlike most online transaction software, S2’s OpeN/2 avoids the bottleneck of a central program that can delay the entire system when a single transaction fails and must be corrected and restarted. Rather than centralizing distributed transaction processing, OpeN/2 starts and tracks each process at its point of origin. Problems with a single transaction do not slow or stop other resources in the system.

For over a decade, S2 Systems has provided ATM/POS software that supports banks with 40 to more than 2,000 ATMs and service bureaus just starting out to those processing more than 4 million transactions daily. S2 Systems’ software drives local, regional or nationwide ATM or POS networks in nearly 60 countries. The company’s software supports such varied electronic commerce (EC) requirements as electronic funds transfer, online banking applications or loan payment services, file transfer, EC messaging and EC gateways between legacy systems via Internet or Web-based technologies.

S2 Systems is a leading supplier of business EC software and professional services. S2 Systems focuses on EC gateway, electronic funds transfer, healthcare administration automation and customer-specific marketing software for retail, financial services, healthcare and evolving industries. Headquartered in Dallas, with offices in Atlanta, Hong Kong, London, Maarssen and Sydney, S2 Systems’ products have been licensed by more than 600 companies in 60 countries. S2 Systems is a wholly owned subsidiary of Stratus Computer, Inc. (NYSE: SRA).

To contact S2 Systems, write 15301 Dallas Parkway, Suite 600, Dallas, TX 75248; Phone: 972-458-3800; Fax: 972-458-3870; or via the World Wide Web at .

To contact Bank Papan, write Wisma GKBI 26th Floor, J1. Jend. Sudirman No. 28, Jakarta, 10210, Indonesia; Phone: +6221 572 1999; Fax: +6221 574 1350; or via the World Wide Web at .


INTERSHOP & CyberSource Team

![][1] CyberSource, the global leader in digital commerce services, and INTERSHOP Communications, one of the world’s leading vendors of electronic commerce software, today announced the signing of an agreement to integrate INTERSHOP’s award-winning eCommerce solutions with CyberSource’s digital commerce services. This agreement joins two industry leaders who will combine best-of-breed digital commerce services and software for solutions to meet the growing demands for complete and sophisticated e-commerce applications.

INTERSHOP’s products enable merchants, service providers and others to create and host complete electronic commerce solutions in business-to-business or business-to-consumer environments. As part of the agreement, INTERSHOP will incorporate CyberSource technology and services to expand the back-office management functions with advanced features such as fraud protection, secure payment methods and electronic software distribution.

“The partnership with CyberSource adds tremendous value to INTERSHOP’s comprehensive turn-key eCommerce applications,” stated Jeff Watts, Vice President, Marketing at INTERSHOP. “As one of the first packaged eCommerce software vendors to support CyberSource, INTERSHOP will offer complete solutions with enhanced transaction features for all businesses dealing with intangible, digital items like software, music, video and other products.”

“We are excited about working with an industry leader such as INTERSHOP,” said Bill McKiernan, president and CEO of CyberSource. “This relationship brings together award-winning products from INTERSHOP and CyberSource’s leading e-commerce technology and services to deliver merchants a scalable, flexible and complete set of electronic commerce applications.”

About INTERSHOP Communications

INTERSHOP Communications, Inc., a world leader in electronic commerce software, is headquartered in San Francisco with offices in Germany, France and the UK. Founded in Germany in 1992, INTERSHOP develops, publishes and distributes eCommerce solutions including the Sybase SQL Server 11 database. Value Added Resellers and large Internet Service Providers, such as Deutsche Telekom, have chosen INTERSHOP as their core-technology to build thousands of online stores for small, medium and large businesses. INTERSHOP’s standard products, single-site INTERSHOP Online and multi-site INTERSHOP Mall, include all components to design and operate complete businesses on the Internet. INTERSHOP solutions are implemented successfully in business-to-business and business-to-consumer environments. Current customers include manufacturers, distributors, retailers and service-based businesses. For more information, call INTERSHOP at 800-736-5197 or send e-mail to or visit H.plINK .

About CyberSource’s Services

CyberSource Corporation provides the full range of essential commerce services to conduct secure, electronic distribution of software and other digital products via the Internet. CyberSource’s advanced, global services include credit card processing in 21 currencies, fraud screening, sales tax/VAT calculation, export control, territory management, secure digital goods distribution, a trusted Rights Registry, and EDI links for physical goods fulfillment. By outsourcing Internet commerce services to CyberSource, customers reduce their time-to-market and can focus their efforts on marketing their sites and products, while avoiding the backoffice infrastructure and complexities required for digital commerce.

About CyberSource Corporation

CyberSource Corporation is a global provider of Internet transaction processing and electronic fulfillment services to digital products. More than 180 major software publishers, distributors and resellers have turned to CyberSource for its portfolio of commerce services which are optimized for digital product distribution, as well as for Cybersource’s rapid-start program which enables merchants to process transactions online in less than a week. CyberSource’s customers include Adobe, AutoDesk, Borland, Egghead, IBM/Lotus, Microsoft, Netscape, Symantec, Programmer’s Paradise, Reader’s Digest, Tandem, and Wall Data. Founded in 1994, CyberSource is a privately held company headquartered in San Jose, California and maintains offices in the United States and Europe.

For more information visit or email to

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InterVoice Expands

Dallas-based InterVoice, Inc., a leading global supplier of network-based call automation solutions for telecommunications service providers, announced today its purchase of the Enhanced Services Platform (ESP)) product line from Aurora, Colorado-based Integrated Telephony Products, Inc. (ITP). The purchase, valued at approximately $4.5 million, enables InterVoice to combine the ESP award-winning product with InterVoice’s Network Services Platform (NSP- 5000), resulting in the industry’s foremost solution for integrated enhanced services. With the purchase, expected to be completed by mid-January subject to customary closing conditions, InterVoice will immediately begin marketing the solution to long distance, wireless, local exchange, and emerging carriers which utilize Internet Telephony to provide transport.

The ESP suite of enhanced network services software modules includes a robust database engine with the ability to deploy one or many applications independently or as a single, fully-integrated application.

“The first element in our strategy was the development of the NSP-5000 platform for the many carriers that are seeking a single, cost effective platform for basic and enhanced services,” said Dan Hammond, InterVoice’s chairman and chief executive officer. “The purchase of the ESP product line constitutes the second element of integrated, basic and enhanced service applications. With these two elements of our multi-faceted strategy in place, InterVoice is the first to introduce a complete solution that meets and exceeds current industry requirements.”

“The purchase of ESP just shortened our development time to immediate availability. While other companies are still talking about offering a fully integrated enhanced services platform, InterVoice is doing it,” stated Mike Barker, president and chief operating officer.

“The combination of ESP applications and InterVoice’s NSP-5000 platform has the potential to revolutionize the intelligent networking/enhanced services industry,” said Eric Pratt, vice president of telco sales/systems engineering. “Service providers now have the ability to deploy multiple, fully integrated enhanced services such as prepaid card, prepaid wireless, calling card, voice mail, international callback, one number service, fax, conferencing and Internet access. InterVoice has this all on one scaleable, telephony-hardened service node; a ‘one-stop shop’ for enhanced services on a single platform, today,” added Pratt.

“We anticipate additional market opportunities now available through InterVoice’s global installed base and distribution network, and we look forward to contributing positively to the continued award winning success and growth of the combined product,” stated David Lifson, ITP president.

The demand for basic applications, such as calling card and prepaid wireless, is expected to continue to rise. Telecommunications deregulation legislation is enabling local exchange carriers to compete in the long distance market, while opening new markets for their calling cards. According to a leading market research firm, by 2002, the LEC’s are expected to generate revenues of $2.56 billion while the IXC’s are expected to generate $12.7 billion. In addition, The Yankee Group states that prepaid wireless revenues will grow from only $.4 billion in 1997 to over $2.2 billion in 2002.

Similarly, Europe is also experiencing telecommunication deregulation. In 1998, Europe will experience a plethora of new phone companies that will need to offer the same services as their incumbents. The market forecasts for basic and enhanced services will continue to grow in Europe as well as the wireless, competitive LEC, and long distance growth in the U.S.

Compared to basic applications, enhanced service offerings are in their infancy. According to the Yankee Group’s 1997 report on enhanced services for the wireless industry, “…wireless is migrating to an MOU (minutes of use) business, and enhanced services offer a key opportunity to increase airtime. Particularly as pricing evens out among analog and digital services, enhanced services is likely to become a key playing field for differentiation.” The Yankee Group also predicts that the revenue for enhanced services will grow from $98 million in 1997 to $1.27 billion in 2006.

InterVoice’s suite of turnkey enhanced service applications includes: Pre and post-paid Calling Card, Prepaid Wireless, International Callback and One Number Service. In addition, there are unique features to enhance the applications, including:

— Internet Interface — customers can view their account information and add time using a credit card in real time

— One Bank(TM) — unlike most systems where the subscribers have individual accounts for each service, it provides one monetary field for all services

— Follow-Me Service — calls from a single phone number are automatically forwarded to up to 5 different numbers for home, office, cellular etc. Calls are forwarded to voice mail if not answered.

— Fax

— Voice Mail

— Conference Calling

— Information Services

A key element to the new product offering is InterVoice’s NSP-5000. Incorporating a modular, open systems design, the NSP-5000 is comprised of industry standard communications, computing hardware and operating systems. The NSP-5000 is also equipped with advanced Telephony Resource Modules (TRMs) that are at the core of the platform’s call processing capabilities. The NSP-5000’s TRMs utilize a passive backplane architecture that accommodates expandability and migration to more advanced technologies as they become available. The new NSP-5000 combined platform follows the paradigm of a true “client server” architecture that allows for efficient maintenance of required databases and a distributed network.

InterVoice fully anticipates that the purchase of ITP’s ESP product line will be completed in mid-January; however, as with any such purchase, there is no assurance the transaction will be completed.

InterVoice, Inc. is the leading global supplier of automated call processing and telecommunication solutions. With an installed base of over 9,100 systems in 50 countries, InterVoice’s Intelligent Network solutions can increase revenues, decrease costs, and deliver exceptional customer service. InterVoice, an ISO 9001 certified company, is headquartered in Dallas, Texas, USA and has representative offices in the Americas, Europe, and the Asia- Pacific. Additional company and product information is available on the World Wide Web at .


Gemplus Mondex Certified

Gemplus Corporation announced yesterday that it has been granted full accreditation by Mondex International Limited to perform application loading, enablement, and customization of smart cards for Mondex members.

The Shakopee site, in keeping with Mondex accreditation requirements, must adhere to strict production procedures and meet special security standards. Accreditation allows Gemplus to offer Mondex members a full range of card services including:

— Application Loading – Installing applications and programs into the card’s chip;

— Enablement – Activating the card’s operating system; and

— Customization – Imprinting the card and programming the chip with an individual customer’s name and account information.

Gemplus was granted provisional accreditation from Mondex some months ago. Under provisional accreditation, the Shakopee facility has delivered cards for Chase Manhattan Bank and Wells Fargo in North America, and Credomatic in Costa Rica. Gemplus’ Shakopee facility has a smart card application loading capacity of 600,000 cards per month.

According to Mondex USA, the Mondex market in North America is expected to total 750,000 cards in 1998, and 3 million cards in 1999.

“As Gemplus continues to develop and implement smart card solutions for Mondex members, this accreditation represents a very important milestone,” said Scott Rau, vice president of the North American financial transactions business division for Gemplus. “Our commitment to provide Mondex solutions using North American facilities is critical to our expanding customer base.”

“Mondex International welcomes the continued support of Gemplus as a valued partner,” said Chris Potts, deputy chief executive for Mondex. “This announcement represents another major step forward in the global implementation of Mondex Electronic Cash.”

About Gemplus

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

In 1996, Gemplus’ total sales were $440 million. By the end of 1997, the company will have a production capacity of 900 million magnetic stripe 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: .

About Mondex

Mondex International grants licenses to franchisees to allow them to exploit the Mondex electronic cash technology in a given territory. Since its incorporation in 1996, Mondex has issued 29 licenses across 5 continents. Mondex is being developed by franchisees in over 50 countries representing a potential market place of in excess of 3 billion people.

Mondex is the only electronic cash system in the world to operate with a single global technology allowing for cross border payments. It allows up to 5 different currencies to be carried on the card at any one time in separate electronic pockets.

Mondex is currently being used in 21 implementations around the world including Australia, Canada, Hong Kong, New Zealand, Philippines, UK, and USA. By the end of 1997, Mondex will have produced in excess of 1,000,000 reloadable Mondex cards; this figure is expected to rise to 5,000,000 reloadable cards by the end of 1998.

MasterCard International acquired 51% of the company in February 1997 and has decided to adopt Mondex International’s technology as its future choice of strategic chip platform.

The following companies are also shareholders (directly or indirectly) in Mondex International: National Westminster Bank, Ulster Bank, Midland Bank, Scotia Bank, Credit Union Central of Canada, The National Bank of Canada, Bank of Montreal, Canada Trust, Le Mouvement des caisses Desjardins, Toronto-Dominion Bank, Royal Bank of Canada, Canadian Imperial Bank of Commerce, The Hong Kong and Shanghai Banking Corporation, Wells Fargo, AT&T, Chase Manhattan, First Chicago NBD, Australia and New Zealand Banking Group, Commonwealth Bank of Australia, National Australia Bank, Westpac Banking Corporation (Australia), ANZ Banking Group (New Zealand), Bank of New Zealand, Countrywide Banking Corporation, The National Bank of New Zealand, ASB Bank and Westpac Banking Corporation (New Zealand).

Mondex H8/3109 Smart Card Chip

The new H8/3109 customized smart card chip being used features an on-board crypto co-processor, and offers 8Kbytes of EEPROM and 14Kbytes of ROM allowing for high speed numerical calculations and the longer key lengths which are required for public key algorithms, such as RSA, DSA, Zero Knowledge and others.

Further information about Mondex can be found on the World Wide Web at .



High-quality, full-motion video advertisements on ATM screens are now a reality. EDS launched a pilot last month that has now grown to 165 ATMs located in 7-Eleven stores throughout the San Diego metro area. The test involves two movie advertisements from Fox Searchlight Pictures and various spots for Nissan Motor Corporation. The 15-second video clips run during the “please wait” screen sequences and do not interfere with the normal transaction timing. EDS is using Diebold ATMs and Sigma Designs’ ‘MPEG’ video playback cards for the trial. The pilot is scheduled to run through March. EDS says, if successful, it will expand the service to a significant portion of its 6,000 ATMs nationwide by the end of 1998.


Asset Retrieval Off the Ground

Asset Retrieval Services Inc. said it acquired a charged-off credit card receivable portfolio valued at about $19,000,000 from various credit card issuers for its Credit Card Re-Issue Program.

Asset Retrieval Services Inc. provides services to lending institutions, investors and debtors by purchasing charged-off and delinquent accounts at discounted rates and then working out debtor balances. Asset Retrieval Services Inc. employs a unique Credit Card Re-Issue Program, which both helps the debtor and increases rates of recovery for the company. As a purchaser of nonperforming accounts, Asset Retrieval Services Inc. can minimize losses and increase retained earnings for banks, lending institutions and credit card issuers.

Visit ARST’s Internet site at: .

Asset Retrieval Services Inc. has headquarters in La Jolla, Calif.


VeriSmart into PowerTouch

Building on its position as market leader in screen telephones, Nortel (Northern Telecom) today announced a pilot agreement to incorporate VeriFone Inc.’s VeriSmart client/server technology into Nortel’s award-winning PowerTouch (known in Canada as Vista) telephones.

The VeriSmart multi-application consumer smart-card technology will allow consumers to use a Nortel PowerTouch screen telephone for a wide array of smart card applications, including electronic cash, all from the convenience and security of their home. From accessing their bank account to purchasing retail goods or downloading and maintaining personal phone directories, the VeriSmart technology will provide future Nortel PowerTouch telephones with universal support of screenphone-based electronic cash and smart card capability.

Consumer trials of the VeriSmart -compliant Nortel PowerTouch screen telephones are expected to take place in early 1998, with a possible commercial product roll out to follow by mid-year.

The award-winning Nortel PowerTouch product line of telephones features a universal base that grows with consumers’ needs by supporting new capabilities through simple plug-in modules.

The modular design enables customers to migrate to new features and services, such as the VeriSmart smart card platform, by replacing just the existing module as additional services and functionality are added.

Currently, there are over one million consumers in North America who already own Nortel PowerTouch telephones. These users will be able to take advantage of the VeriSmart Smart Card applications by simply migrating to a new module.