Wednesday, April 28, 2010

Visa Cuts Swipe Fees In Europe, Raises Them In America

Visa Debit logo
Laura Basset writes for the Huffington Post that while Visa raised it's debit rates (notably the 30% PIN Debit rate increase) here in the good ole' USA, they cut debit fees in Europe.  I found it interesting that Visa is shying away from stating that Europe should have lower debit rates because they use "Chip and PIN" which reduces fraud.  After all, fraud is the basis for...well, "basis points.."  Guess that would put them in a position whereby they couldn't defend the security of America's magstripe system...



Instead, according to the Huffington Post, here's the official statement from a "Visa spokesperson" Editor's Note:  I took the liberty to identify the BSMS* (Both Sides of the Mouth Syndrome) and I highlighted in yellow what the spokesperson's conscience couldn't prevent them from saying... 



A spokesperson for Visa, Inc. said the average Visa Debit transaction fee rose by less than 4 percent.  "Most of Visa's U.S. debit rates have not changed*," she said. "Visa, Inc., did recently make a variety of program and interchange modifications to make digital currency even more convenient for consumers and merchants and to facilitate continued growth for Visa and its clients."

Despite a recent study that found swipe fees are stalling the creation of nearly a quarter million U.S. jobs, Visa raised its debit card interchange rate for American retailers to .95 percent plus $.20 per transaction in April, according to the Retail Industry Leaders Association. In contrast, Visa Europe announced Monday that it would be capping transaction fees at 0.2 percent for the next four years.
Continue Reading at the Huffington Post 

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Visa Cuts Swipe Fees In Europe, Raises Them In America

Visa Debit logo
Laura Basset writes for the Huffington Post that while Visa raised it's debit rates (notably the 30% PIN Debit rate increase) here in the good ole' USA, they cut debit fees in Europe.  I found it interesting that Visa is shying away from stating that Europe should have lower debit rates because they use "Chip and PIN" which reduces fraud.  After all, fraud is the basis for...well, "basis points.."  Guess that would put them in a position whereby they couldn't defend the security of America's magstripe system...



Instead, according to the Huffington Post, here's the official statement from a "Visa spokesperson" Editor's Note:  I took the liberty to identify the BSMS* (Both Sides of the Mouth Syndrome) and I highlighted in yellow what the spokesperson's conscience couldn't prevent them from saying... 



A spokesperson for Visa, Inc. said the average Visa Debit transaction fee rose by less than 4 percent.  "Most of Visa's U.S. debit rates have not changed*," she said. "Visa, Inc., did recently make a variety of program and interchange modifications to make digital currency even more convenient for consumers and merchants and to facilitate continued growth for Visa and its clients."

Despite a recent study that found swipe fees are stalling the creation of nearly a quarter million U.S. jobs, Visa raised its debit card interchange rate for American retailers to .95 percent plus $.20 per transaction in April, according to the Retail Industry Leaders Association. In contrast, Visa Europe announced Monday that it would be capping transaction fees at 0.2 percent for the next four years.
Continue Reading at the Huffington Post 

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Sybase 365 and FirstCaribbean Bank Bring Mobile Banking to the Caribbean

FirstCaribbean International Bank


Sybase 365 and FirstCaribbean International Bank Bring Industry-Leading Mobile Banking Technology to the Caribbean

Bank Introduces First Regional mBanking Service Across 17 Markets, With Sybase mBanking 365 Platform
DUBLIN, Calif.--(BUSINESS WIRE)--Sybase 365, a subsidiary of Sybase, Inc. (NYSE:SY), the global leader in mobile messaging and mobile commerce services, today announced a partnership with FirstCaribbean International Bank to provide customers with mobile banking services enabling them the flexibility and convenience of managing their finances over their mobile phones.
“Expertise in both software and mobile services combined with unrivalled global reach, gives Sybase a distinct advantage in providing a fully integrated end-to-end mobile commerce solution for financial institutions, mobile operators and enterprises worldwide.”
FirstCaribbean International Bank is the largest regionally-listed bank in the English and Dutch-speaking Caribbean with branches across 17 markets. The new service is of tremendous value to FirstCaribbean customers as it gives many of them a more convenient way to bank on the go, without needing to visit a branch – something that is of particular importance to many without home Internet connections.
“Our partnership with Sybase 365 allows us to deliver the best possible mobile banking products to our customers throughout the region,” said Mahes Wickramasinghe, Chief Administrative Officer, FirstCaribbean International Bank. “FirstCaribbean is dedicated to offering cutting-edge solutions for our customers, and through our work with Sybase 365 we will be the first regional bank to launch such an innovative service.”
The new mobile banking offering is powered by the Sybase mBanking 365™ platform, giving customers access to multiple banking functions using SMS. FirstCaribbean customers will be able to enjoy this new, free service to conduct bank transactions over their mobile device. Customers will now be able to check account balances, get balance alerts, transfer money, and monitor recent transactions. Additional features will be available in the future.
“This latest partnership with FirstCaribbean Bank furthers Sybase 365’s global footprint as the leading provider of mobile commerce services,” said Matthew Talbot, Vice President, mCommerce, Sybase 365. “Expertise in both software and mobile services combined with unrivalled global reach, gives Sybase a distinct advantage in providing a fully integrated end-to-end mobile commerce solution for financial institutions, mobile operators and enterprises worldwide.”
Additional resources:
About FirstCaribbean
FirstCaribbean International Bank is the largest, regionally-listed bank in the English- and Dutch-speaking Caribbean, serving 550,000 accounts in 17 markets through 3,500 staff; 66 branches, 22 banking centres, and seven offices. The bank offers a full range of market-leading financial services in Corporate Banking, Investment Banking, Treasury Sales and Trading, Retail Banking, Wealth Management, and Credit Cards. FirstCaribbean is a member of the CIBC Group. CIBC (TSX, NYSE: CM) is a leading North American financial institution serving clients in Canada and around the world. Through its distinct business lines, CIBC Retail Markets and CIBC Wholesale Banking, CIBC provides a full range of products and services to almost 11 million individual, small business and commercial banking clients and meets the financial needs of corporate and institutional clients. CIBC is rated A+/Stable/A-1 by Standard & Poor's. For more information about FirstCaribbean, visit www.firstcaribbeanbank.com.
About Sybase 365
Sybase 365, a subsidiary of Sybase, Inc. (NYSE: SY), is the global leader in enabling mobile information services for mobile operators, financial institutions and enterprises. We provide our customers with the widest offering in SMS, MMS, GRX, IPX interoperability, end-to-end mobile commerce solutions, innovative mCRM, mobile marketing and content delivery services. Sybase 365 processes more than 1.4 billion messages per day, reaching 850 operators and 4 billion subscribers around the world. For more information, visit: www.sybase.com/365. Read our blogs:http://blogs.sybase.com. Sybase on Twitter: @Sybase and @SYBASEmCommerce
Sybase, Sybase 365 and Sybase mBanking 365 are trademarks or registered trademarks of Sybase, Inc. All other company and product names mentioned may be trademarks of the respective companies with which they are associated. ® indicates registration in the United States.


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Sybase 365 and FirstCaribbean Bank Bring Mobile Banking to the Caribbean

FirstCaribbean International Bank


Sybase 365 and FirstCaribbean International Bank Bring Industry-Leading Mobile Banking Technology to the Caribbean

Bank Introduces First Regional mBanking Service Across 17 Markets, With Sybase mBanking 365 Platform
DUBLIN, Calif.--(BUSINESS WIRE)--Sybase 365, a subsidiary of Sybase, Inc. (NYSE:SY), the global leader in mobile messaging and mobile commerce services, today announced a partnership with FirstCaribbean International Bank to provide customers with mobile banking services enabling them the flexibility and convenience of managing their finances over their mobile phones.
“Expertise in both software and mobile services combined with unrivalled global reach, gives Sybase a distinct advantage in providing a fully integrated end-to-end mobile commerce solution for financial institutions, mobile operators and enterprises worldwide.”
FirstCaribbean International Bank is the largest regionally-listed bank in the English and Dutch-speaking Caribbean with branches across 17 markets. The new service is of tremendous value to FirstCaribbean customers as it gives many of them a more convenient way to bank on the go, without needing to visit a branch – something that is of particular importance to many without home Internet connections.
“Our partnership with Sybase 365 allows us to deliver the best possible mobile banking products to our customers throughout the region,” said Mahes Wickramasinghe, Chief Administrative Officer, FirstCaribbean International Bank. “FirstCaribbean is dedicated to offering cutting-edge solutions for our customers, and through our work with Sybase 365 we will be the first regional bank to launch such an innovative service.”
The new mobile banking offering is powered by the Sybase mBanking 365™ platform, giving customers access to multiple banking functions using SMS. FirstCaribbean customers will be able to enjoy this new, free service to conduct bank transactions over their mobile device. Customers will now be able to check account balances, get balance alerts, transfer money, and monitor recent transactions. Additional features will be available in the future.
“This latest partnership with FirstCaribbean Bank furthers Sybase 365’s global footprint as the leading provider of mobile commerce services,” said Matthew Talbot, Vice President, mCommerce, Sybase 365. “Expertise in both software and mobile services combined with unrivalled global reach, gives Sybase a distinct advantage in providing a fully integrated end-to-end mobile commerce solution for financial institutions, mobile operators and enterprises worldwide.”
Additional resources:
About FirstCaribbean
FirstCaribbean International Bank is the largest, regionally-listed bank in the English- and Dutch-speaking Caribbean, serving 550,000 accounts in 17 markets through 3,500 staff; 66 branches, 22 banking centres, and seven offices. The bank offers a full range of market-leading financial services in Corporate Banking, Investment Banking, Treasury Sales and Trading, Retail Banking, Wealth Management, and Credit Cards. FirstCaribbean is a member of the CIBC Group. CIBC (TSX, NYSE: CM) is a leading North American financial institution serving clients in Canada and around the world. Through its distinct business lines, CIBC Retail Markets and CIBC Wholesale Banking, CIBC provides a full range of products and services to almost 11 million individual, small business and commercial banking clients and meets the financial needs of corporate and institutional clients. CIBC is rated A+/Stable/A-1 by Standard & Poor's. For more information about FirstCaribbean, visit www.firstcaribbeanbank.com.
About Sybase 365
Sybase 365, a subsidiary of Sybase, Inc. (NYSE: SY), is the global leader in enabling mobile information services for mobile operators, financial institutions and enterprises. We provide our customers with the widest offering in SMS, MMS, GRX, IPX interoperability, end-to-end mobile commerce solutions, innovative mCRM, mobile marketing and content delivery services. Sybase 365 processes more than 1.4 billion messages per day, reaching 850 operators and 4 billion subscribers around the world. For more information, visit: www.sybase.com/365. Read our blogs:http://blogs.sybase.com. Sybase on Twitter: @Sybase and @SYBASEmCommerce
Sybase, Sybase 365 and Sybase mBanking 365 are trademarks or registered trademarks of Sybase, Inc. All other company and product names mentioned may be trademarks of the respective companies with which they are associated. ® indicates registration in the United States.


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Visa Reports 33% Jump in Quarterly Income to $713 Million

Visa announced their Q2 Results which are as follows:



Visa Inc. reported a 33% jump in quarterly net income.



Q2 net income was $713 million, or 96 cents per class A common share.



That compared to $536 million, or 71 cents per class A common share, the previous year.  



Net operating revenue came in at $2 billion, up 19%.



Here's the press release:


Visa Inc. Posts Strong Fiscal Second Quarter 2010 Earnings Results



GAAP quarterly net income of $713 million or $0.96 per diluted class A common share - Revenue growth of 19% as payments volumes and processed transactions improve globally



SAN FRANCISCO, April 28, 2010 /PRNewswire via COMTEX/ -- Visa Inc. (V 92.10-1.51-1.61%) today announced financial results for the Company's fiscal second quarter 2010 ended March 31, 2010. GAAP net income for the quarter was $713 million, or $0.96 per diluted class A common share. The weighted average number of diluted class A common shares outstanding was 742 million.
GAAP net operating revenue in the fiscal second quarter of 2010 was $2.0 billion, an increase of 19% over the prior year and driven by strong contributions across all revenue categories, in particular data processing and international transaction revenues.
"Visa delivered strong financial performance during our fiscal second quarter and we remain confident in delivering our guidance for fiscal year 2010," said Joseph Saunders, Chairman and Chief Executive Officer of Visa Inc. "Our performance was fueled by higher than expected payments volume growth. As I discussed at our recent Investor Day, we are increasingly optimistic that economic growth will gradually improve. At the same time, we remain diligent about how we manage our business and finances throughout the current economic environment."
"Visa's long term strategic goals and our ability to drive the migration to Visa products and services are based on our history of innovation and market responsiveness," added Saunders. "Our pending acquisition of CyberSource is the most recent example of the Company responding to market opportunities to fuel future growth. We remain focused on enhancing product offerings and providing new technologies to our clients and customers, while we continue to deliver value to our shareholders."




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Visa Reports 33% Jump in Quarterly Income to $713 Million

Visa announced their Q2 Results which are as follows:



Visa Inc. reported a 33% jump in quarterly net income.



Q2 net income was $713 million, or 96 cents per class A common share.



That compared to $536 million, or 71 cents per class A common share, the previous year.  



Net operating revenue came in at $2 billion, up 19%.



Here's the press release:


Visa Inc. Posts Strong Fiscal Second Quarter 2010 Earnings Results



GAAP quarterly net income of $713 million or $0.96 per diluted class A common share - Revenue growth of 19% as payments volumes and processed transactions improve globally



SAN FRANCISCO, April 28, 2010 /PRNewswire via COMTEX/ -- Visa Inc. (V 92.10-1.51-1.61%) today announced financial results for the Company's fiscal second quarter 2010 ended March 31, 2010. GAAP net income for the quarter was $713 million, or $0.96 per diluted class A common share. The weighted average number of diluted class A common shares outstanding was 742 million.
GAAP net operating revenue in the fiscal second quarter of 2010 was $2.0 billion, an increase of 19% over the prior year and driven by strong contributions across all revenue categories, in particular data processing and international transaction revenues.
"Visa delivered strong financial performance during our fiscal second quarter and we remain confident in delivering our guidance for fiscal year 2010," said Joseph Saunders, Chairman and Chief Executive Officer of Visa Inc. "Our performance was fueled by higher than expected payments volume growth. As I discussed at our recent Investor Day, we are increasingly optimistic that economic growth will gradually improve. At the same time, we remain diligent about how we manage our business and finances throughout the current economic environment."
"Visa's long term strategic goals and our ability to drive the migration to Visa products and services are based on our history of innovation and market responsiveness," added Saunders. "Our pending acquisition of CyberSource is the most recent example of the Company responding to market opportunities to fuel future growth. We remain focused on enhancing product offerings and providing new technologies to our clients and customers, while we continue to deliver value to our shareholders."




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NuMobile (NUBL) and China Crescent (CCTR) Partnership on $1.6 Million Purchase Order and $160 Million Letter of Intent Featured in Exclusive Webcast



CARY, NC--(Marketwire - April 28, 2010) -  NuMobile, Inc. (OTCBBNUBL) has been featured in an on-demand Webcast released by China Crescent Enterprises, Inc. (OTCBBCCTR). China Crescent has received a $1.6 million original design manufacturing (ODM) purchase order from a confidential Japanese customer for 100 sets of a special purpose Wi-Fi communication device. NuMobile's has been selected by China Crescent to provide a key proprietary software component. Based on a formal letter of intent, the Japanese customer has committed to purchase 10,000 of the custom Wi-Fi devices for a total of $160 million dollars over the next three years, subject to the performance of the first 100 sets. The Webcast is available for on-demand viewing at http://chinacrescent.com/wcdu_20100427.htm.

NuMobile Information and Email Newsletter
To learn more about NuMobile and to sign up for company email alerts, please visit the corporate website at www.numobileinc.com.
About China Crescent Enterprises, Inc. (www.chinacrescent.com)
China Crescent is a systems integration service provider that markets technology outsourcing services in China including the sale and service of brand name technologies such as Microsoft, Oracle, Cisco, IBM, HP and Dell. Following a strategic acquisition last year, the Company expanded its business line to include original design manufacturing (ODM). China Crescent reported $45 million in profitable revenue in 2009 after reporting over $40 million in revenue for both 2007 and 2008 and has set a goal of reaching $100 million in revenue in 2010.
Headquartered in Dallas with operations in Shanghai, Shenzhen, Dalian and Beijing, China Crescent bridges the gap between global business cultures to assist clients worldwide realize the advantages of the high quality, low cost technology products and services available from China. China Crescent also assists clients in localizing products and services to realize the tremendous growth potential available by expanding into the Chinese Market.
About NuMobile, Inc. (www.numobileinc.com)
NuMobile is building a portfolio of security and software solutions for the global mobile computing and smartphone market. Through a roll-up strategy, NuMobile plans to acquire and develop mobile computing solutions for a variety of applications, including mobile banking, for the global marketplace. The demand for mobile security and software applications is being driven in large part by the growing number of mobile phone sales into emerging economies that currently do not have substantial access to the Internet via desktop computing. Already in North America, the Company has also forged a partnership in the Chinese market and is developing a plan for the emerging economies of Latin America and East Africa. NuMobile is a SEC fully-reporting public company listed on the Over-the-Counter Bulletin Board.


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NuMobile (NUBL) and China Crescent (CCTR) Partnership on $1.6 Million Purchase Order and $160 Million Letter of Intent Featured in Exclusive Webcast



CARY, NC--(Marketwire - April 28, 2010) -  NuMobile, Inc. (OTCBBNUBL) has been featured in an on-demand Webcast released by China Crescent Enterprises, Inc. (OTCBBCCTR). China Crescent has received a $1.6 million original design manufacturing (ODM) purchase order from a confidential Japanese customer for 100 sets of a special purpose Wi-Fi communication device. NuMobile's has been selected by China Crescent to provide a key proprietary software component. Based on a formal letter of intent, the Japanese customer has committed to purchase 10,000 of the custom Wi-Fi devices for a total of $160 million dollars over the next three years, subject to the performance of the first 100 sets. The Webcast is available for on-demand viewing at http://chinacrescent.com/wcdu_20100427.htm.

NuMobile Information and Email Newsletter
To learn more about NuMobile and to sign up for company email alerts, please visit the corporate website at www.numobileinc.com.
About China Crescent Enterprises, Inc. (www.chinacrescent.com)
China Crescent is a systems integration service provider that markets technology outsourcing services in China including the sale and service of brand name technologies such as Microsoft, Oracle, Cisco, IBM, HP and Dell. Following a strategic acquisition last year, the Company expanded its business line to include original design manufacturing (ODM). China Crescent reported $45 million in profitable revenue in 2009 after reporting over $40 million in revenue for both 2007 and 2008 and has set a goal of reaching $100 million in revenue in 2010.
Headquartered in Dallas with operations in Shanghai, Shenzhen, Dalian and Beijing, China Crescent bridges the gap between global business cultures to assist clients worldwide realize the advantages of the high quality, low cost technology products and services available from China. China Crescent also assists clients in localizing products and services to realize the tremendous growth potential available by expanding into the Chinese Market.
About NuMobile, Inc. (www.numobileinc.com)
NuMobile is building a portfolio of security and software solutions for the global mobile computing and smartphone market. Through a roll-up strategy, NuMobile plans to acquire and develop mobile computing solutions for a variety of applications, including mobile banking, for the global marketplace. The demand for mobile security and software applications is being driven in large part by the growing number of mobile phone sales into emerging economies that currently do not have substantial access to the Internet via desktop computing. Already in North America, the Company has also forged a partnership in the Chinese market and is developing a plan for the emerging economies of Latin America and East Africa. NuMobile is a SEC fully-reporting public company listed on the Over-the-Counter Bulletin Board.


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DeviceAnywhere Works with BlackBerry Partners Fund for 2010 Developer Challenge



http://www.deviceanywhere.com

DeviceAnywhere's Proof Center™ and DemoAnywhere™ to Play Central Role in Developer Competition

SAN MATEO, Calif.--(BUSINESS WIRE)--Further building upon its role as a BlackBerry® Alliance Member, DeviceAnywhere is working with the BlackBerry Partners Fund during the newly-announced BlackBerry Partners Fund Super Apps Developer Challenge. The competition, which is open to all developers, aims to spur the development of deeply integrated applications that deliver a compelling user experience leveraging the unique capabilities of the BlackBerry Application Platform.
“Developer challenges are a breeding ground for application innovation and DeviceAnywhere is pleased to be an enabling partner of the BlackBerry Partners Fund’s ‘Super Apps’ Developer Challenge”
Developers entering this competition will benefit from a direct link to DeviceAnywhere’s industry standard Test Center™ solution, which provides remote access to networked devices located across the globe. DeviceAnywhere is also supporting this challenge with Proof Center™ to provide a proof-based self-certification solution that gives application developers remote access to DeviceAnywhere’s banks of real networked devices. With Proof Center, users can compile evidence that their application works successfully using handset screenshots and video, which are automatically saved and organized into proofs that can later be viewed or searched for by application and handset. For the purposes of this competition, Proof Center serves as the testing platform for a more in-depth submission process that developers will use to submit a higher-quality version of their application, before they proceed to the final phase in which winners will be selected.
For the finalists, DeviceAnywhere will create free interactive tutorials using DemoAnywhere™, a solution that allows developers to demonstrate the application’s key features and functionality to consumers. DemoAnywhere can be leveraged as a powerful marketing tool on any online medium such as developer websites and blogs, allowing potential buyers to feel comfortable with the app before they go ahead and download it. Winners will also gain prizes of testing time in DeviceAnywhere’s industry-leading Test Center.
“Developer challenges are a breeding ground for application innovation and DeviceAnywhere is pleased to be an enabling partner of the BlackBerry Partners Fund’s ‘Super Apps’ Developer Challenge,” said Faraz Syed, CEO of DeviceAnywhere. “The three DeviceAnywhere technologies that are being leveraged for the competition will demonstrate the breadth of support that we offer for the different stages of application development.”
About DeviceAnywhere
DeviceAnywhere provides convenient and cost-effective end-to-end solutions for mobile content development, testing, monitoring, certification, test automation and deployment – enabling application developers to bring better content to market faster than ever before. DeviceAnywhere products are accessible over three core technology platforms to address specific use cases of mobile application developers.
Tags:  MPayment, MCommerce, Mobile Payments, Blackberry, Roam Data, BBPOS, CircleSwipe, 


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DeviceAnywhere Works with BlackBerry Partners Fund for 2010 Developer Challenge



http://www.deviceanywhere.com

DeviceAnywhere's Proof Center™ and DemoAnywhere™ to Play Central Role in Developer Competition

SAN MATEO, Calif.--(BUSINESS WIRE)--Further building upon its role as a BlackBerry® Alliance Member, DeviceAnywhere is working with the BlackBerry Partners Fund during the newly-announced BlackBerry Partners Fund Super Apps Developer Challenge. The competition, which is open to all developers, aims to spur the development of deeply integrated applications that deliver a compelling user experience leveraging the unique capabilities of the BlackBerry Application Platform.
“Developer challenges are a breeding ground for application innovation and DeviceAnywhere is pleased to be an enabling partner of the BlackBerry Partners Fund’s ‘Super Apps’ Developer Challenge”
Developers entering this competition will benefit from a direct link to DeviceAnywhere’s industry standard Test Center™ solution, which provides remote access to networked devices located across the globe. DeviceAnywhere is also supporting this challenge with Proof Center™ to provide a proof-based self-certification solution that gives application developers remote access to DeviceAnywhere’s banks of real networked devices. With Proof Center, users can compile evidence that their application works successfully using handset screenshots and video, which are automatically saved and organized into proofs that can later be viewed or searched for by application and handset. For the purposes of this competition, Proof Center serves as the testing platform for a more in-depth submission process that developers will use to submit a higher-quality version of their application, before they proceed to the final phase in which winners will be selected.
For the finalists, DeviceAnywhere will create free interactive tutorials using DemoAnywhere™, a solution that allows developers to demonstrate the application’s key features and functionality to consumers. DemoAnywhere can be leveraged as a powerful marketing tool on any online medium such as developer websites and blogs, allowing potential buyers to feel comfortable with the app before they go ahead and download it. Winners will also gain prizes of testing time in DeviceAnywhere’s industry-leading Test Center.
“Developer challenges are a breeding ground for application innovation and DeviceAnywhere is pleased to be an enabling partner of the BlackBerry Partners Fund’s ‘Super Apps’ Developer Challenge,” said Faraz Syed, CEO of DeviceAnywhere. “The three DeviceAnywhere technologies that are being leveraged for the competition will demonstrate the breadth of support that we offer for the different stages of application development.”
About DeviceAnywhere
DeviceAnywhere provides convenient and cost-effective end-to-end solutions for mobile content development, testing, monitoring, certification, test automation and deployment – enabling application developers to bring better content to market faster than ever before. DeviceAnywhere products are accessible over three core technology platforms to address specific use cases of mobile application developers.
Tags:  MPayment, MCommerce, Mobile Payments, Blackberry, Roam Data, BBPOS, CircleSwipe, 


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