MasterCard Among Those Exhibiting at Cartes & IDentification 2009

CARTES & IDentification 2009 Exhibitor Profiles

CARTES & IDentification 2009

PARIS--(BUSINESS WIRE)--CARTES & IDentification 2009 takes place 17 – 19 November 2009 at the Paris-Nord Villepinte Exhibition Centre.



Business Wire is the official news wire for CARTES & IDentification. Breaking news releases, advisories, photos, and multimedia are available at Tradeshownews.com, Business Wire's trade show, conference, and event news resource.





Listed below are CARTES & IDentification exhibitor profiles.

Company:		COMPRION
Stand:		4N017
Media Contact:		Kathleen Loeser
Phone:		49-5251-699-860
E-mail:		info@comprion.com
Web:		www.comprion.com
COMPRION invents, manufactures and sells devices for the testing of Smart Cards, Smart Card interfaces and terminals for both the contact based and contactless world. As the leading provider of test equipment for GSM/3G handset conformance testing, COMPRION works with all top terminal and Smart Card manufacturers, chipset vendors, network operators and test laboratories. COMPRION’s trace and simulation tools are capable of ISO/IEC 7816, SWP/HCI, IC-USB and NFC. As a dynamic and results-oriented company, COMPRION works in very close collaboration with standardisation bodies (e.g. 3GPP, ETSI, NFC Forum) and key players in the market.
Company:		Dai Nippon Printing Co., Ltd (DNP)
Stand:		4L 028
Ticker Symbol & Exchange:		TOKYO: 7912
Media Contact:		Hiroaki Kabamoto, General Manager
Phone:		81-3-3513-2707
E-mail:		Hiroaki-kabamoto@mail.dnp.co.jp
Web:		http://www.dnp.co.jp/index_e.html
DNP is one of the world's largest comprehensive printing companies. It provides diverse products and services in wide range of fields to about 30,000 clients.
DNP has spent 28 years in the research and development of smartcards and is the No. 1 smartcard company in Japan, providing a side array of digital security services including card manufacturing, card OS development (MULTOS™, JavaCard™ and UIM), smart card applications, data management systems, card issuing and development of peripheral technology.
DNP will show the following products at Cartes 2009.
-NFC reader/writer module, - Display card
-Hologram security products, - Re-transfer Card Printer
-Biometrics authentication, - Re-writable cards
-Mini Tag, - SSFC (Shared Security Formats Cooperation)
-Body Area Network (Electric Field Communication)
Company:		Datacard Group
Stand:		3F 041
Media Contact:		Joanne Monro
Phone:		44 (0) 1489 555657
E-mail:		Joanne_Monro@datacard.com
Web:		www.datacard.com
Datacard Group is a driving force in virtually every major card program around the world. Our secure ID and card personalization solutions are used to issue millions of financial cards and identification documents each day.
We continue to make cards, identification documents and personalized mailings more powerful by capitalizing on smart cards, biometrics, laser engraving and other advanced technologies. Corporations, governments and other security-minded organizations have made Datacard® the world's most popular brand of secure ID solutions.
Company:		Digital Identification Solutions
Stand:		4 N 076
Media Contact:		Tanja Klopfer (Ms.)
Phone:		497113416890
E-mail:		klopfer@digital-identification.com
Web:		www.digital-identification.com
The Digital Identification Solutions Group is a global provider of advanced identification solutions with a worldwide installed base of more than 10,000 systems. In November 2008, the Group successfully introduced the latest EDIsecure® XID Retransfer Printer generation combined with highly secure laser engraving. The company has sales, marketing and support operations in Germany, the United Arab Emirates, Singapore, China, the United States and Mexico. Together with its vast network of certified partners, Digital Identification Solutions delivers state-of-the-art solutions globally. The company combines cutting-edge technology, extensive industry knowledge and an impressive array of references in the private and public sector.
Company:		Konica Minolta Business Technologies, Inc.
Stand:		4 L 028
Media Contact:		Ikuya TAKASHIMA
Phone:		81-3-6250-2430
Web:		http://www.konicaminolta.com/
Konica Minolta Business Technologies, Inc. exhibits a Digital Multi Function Device "bizhub" which has been implemented a NFC reader at CARTES 2009 and will strongly promote SSFC （Shared Security Formats Cooperation） brand in the world-wide market as a member of SSFC alliance which is led by Dai Nippon Printing. KonicaMinolta is very proud to offer the total office security solution which is able to control both physical and logical security risk by multiple policy level by using one "SSFC" format implemented into high security NFC card that is now available anywhere in the world. KonicaMinolta would improve the secure level in the office by supporting the aim of SSFC and lead the SSFC alliance.
Company:		MasterCard Worldwide
Stand:		3H018
Media Contact:		Corinne Raes
Phone:		32 498 585237
E-mail:		corinne_raes@mastercard.com
Web:		www.mastercard.com
MasterCard Worldwide advances global commerce by providing a critical economic link among financial institutions, businesses, cardholders and merchants worldwide. As a franchisor, processor and advisor, MasterCard develops and markets payment solutions, processes approximately 21 billion transactions each year, and provides industry-leading analysis and consulting services to financial-institution customers and merchants. Powered by the MasterCard Worldwide Network and through its family of brands, including MasterCard®, Maestro® and Cirrus®, MasterCard serves consumers and businesses in more than 210 countries and territories. For more information go to www.mastercard.com.
Company:		Mühlbauer Group
Stand:		4P028
Ticker Symbol & Exchange:		DE0006627201
Media Contact:		Wolfgang Wanner / Tilo Rosenberger
Phone:		499461 952-1618 or -1653
E-mail:		info@muehlbauer.de
Web:		www.muehlbauer.de
For more than 28 years the Mühlbauer Group is premium technology partner in the areas of plastic and chip card, passport/ePassport, RFID and highly secure ID applications. Our unique product portfolio from biometric data enrollment over production & personalization to border & access security affords us the position to be the preferred supplier for various industries, governments, security printers and system integrators. Precision down to the smallest detail, highest flexibility, absolute reliability and a full commitment are our plenary premises. We provide complete support to our clients in the selection, development, implementation and ongoing support of their individual solutions.
Company:		OKI Data Corporation
Stand:		4 L 028
Media Contact:		Sonomi Kitamura
Phone:		81-3-5445-6111
E-mail:		okiprintingsolutions-press@oki.com
Web:		http://www.okiprintingsolutions.com
OKI Data specializes in designing, developing, manufacturing and marketing business printing solutions. As a market leader in the global color printer market, OKI has representation in 120 countries worldwide offering innovative and leading edge products and services. It is one of the few printer manufacturers that designs and develops its own components and technology, putting OKI ahead of its competitors' technology. OKI is dedicated to continually improving the scope and value-add of their printing solutions and all of these initiatives are ably supported by our partners through their extensive skills and service.
Company:		On Track Innovations, Ltd (OTI)
Stand:		4 K 017
Ticker Symbol & Exchange:		NASDAQ GM: OTIV
Media Contact:		Galit Mendelson
Phone:		201-944-5200
E-mail:		galit@otiglobal.com
Web:		www.otiglobal.com
Established in 1990, OTI designs, develops and markets secure contactless microprocessor-based smart card technology to address the needs of a wide variety of markets. Applications developed by OTI include product solutions for electronic passports and IDs, payments market, petroleum payment systems, mass transit ticketing, parking and loyalty programs. OTI has a global network of regional offices to market and support its products.
Company:		Pittsburgh Embossing Services, Inc.
Stand:		Hall 3, Aisle D, 077
Phone:		724-222-5240
E-mail:		PES@PittsburghEmbossing.com
Web:		http://www.pittsburghembossing.com/
Visit the Pittsburgh Embossing Services booth at CARTES 2009 to learn more about how Pittsburgh Embossing Services can help you meet your card personalization production needs with fully refurbished, like new personalization equipment. Pittsburgh Embossing Services specializes in Datacard equipment but also deals with a variety of other product lines to meet your needs. Pittsburgh Embossing Services is also your source for competitively priced equipment parts and supplies. Pittsburgh Embossing Services, Inc. not only sells quality personalization equipment, but they are also looking to buy your used equipment that you no longer need.
Company:		Sagem Orga
Stand:		K001, Hall 4
Media Contact:		Mareike Blumentrath
Phone:		004952518891216
E-mail:		mareike.blumentrath@sagem-orga.com
Web:		www.sagem-orga.com
Sagem Orga is a global leader in the smart card industry. Its portfolio includes hardware, software, consulting and services, all focused on smart cards for the telecommunications, health, identification and banking sectors. As a subsidiary of Sagem Sécurité (Safran group), the world's No. 1 in identification, Sagem Orga offers comprehensive integrated solutions designed to secure the digital and mobile community. The company has a workforce of over 2,100 people around the world and production facilities incorporating the latest technology in Germany, Brazil, Russia, Mexico and India.
Company:		SCM Microsystems
Stand:		3H027
Ticker Symbol & Exchange:		NASDAQ:SCMM, Prime Standard:SMY
Media Contact:		Annika Oelsner
Phone:		49 89 9595-5220
E-mail:		aoelsner@scmmicro.com
Web:		www.scmmicro.com
SCM Microsystems is a global leader in security and identity solutions for secure access, secure identity and secure exchange. Together with its Hirsch Electronics subsidiary, SCM provides complete, integrated solutions that secure digital assets, electronic transactions and facilities. The company offers the world's broadest range of contact, contactless and mobile smart card reader technology; physical and logical access control systems; digital identity transaction platforms; biometrics; and digital video. SCM's solutions enable a wide variety of applications including enterprise security, identity management, contactless payment, e-health and electronic government services. For additional information, visit www.scmmicro.com and www.HirschElectronics.com.
Company:		SMARTRAC TECHNOLOGY GROUP
Stand:		4P072
Ticker Symbol & Exchange:		SM7
Media Contact:		Tanja Moehler
Head of Corp.Communication
Phone:		49 151 14 03 94 70
E-mail:		media.relations@smartrac-group.com
Web:		www.smartrac-group.com
SMARTRAC is the global leader in high-quality RFID inlays for ePassports, ePayment as well as for RFID transponders for public transportation applications and car immobilizers. The company produces ready-made as well as customized transponders for public transport, access control, animal identification, industry and logistics in all current frequency standards.
SMARTRAC was founded in 2000 and since going public in July 2006 has been trading as a stock corporation under Dutch law with its registered headquarters in Amsterdam. The company currently employs some 2.600 employees and maintains a global research and development, production and sales network.
Company:		Teslin Substrate from PPG Industries
Stand:		3D087
Ticker Symbol & Exchange:		PPG (NYSE)
Media Contact:		Brande Juart
Phone:		724 325 5203
E-mail:		juart@ppg.com
Web:		www.teslin.com
Used worldwide for over 10 years in billions of retail, healthcare, and security cards and key fobs, Teslin® substrate from PPG delivers unmatched durability, superior resistance to delamination, exceptional printing ease and quality, and the highest level of security. Inherently tamper-resistant and tamper-evident, Teslin substrate offers a key first line of defense in keeping critical credentials secure. The microporous substrate extends card and key tag IC read range, while cushioning and protecting chips during platen lamination, increasing throughput and yield. Supporting advanced authentication methods, a security-grade product with embedded covert and information-centric forensic security features is available directly from PPG Industries.

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First Data to Integrate Accertify’s Fraud Prevention Platform

New Offering to Deliver Online Merchants Complete Fraud Detection Capabilities



ATLANTA & CHICAGO - First Data, a global leader in electronic commerce and payment processing services, and Accertify, a leader in online fraud prevention, today announced an agreement to integrate Accertify’s fraud prevention platform with First Data’s eCommerce processing gateways and platforms.



The integration of Accertify’s Interceptas® platform will provide First Data with a comprehensive, end-to-end fraud deterrence solution. This solution will equip First Data’s customers with tools to help mitigate risk and reduce losses associated with fraud. The solution also eliminates the need for merchants to deploy separate payment and risk platforms. First Data will offer this combined solution to its 300,000 merchants around the world that sell goods or services over the Internet and in a card-not-present environment.



“The faceoff between fraudsters and merchants continues to escalate,” said Souheil Badran, First Data senior vice president and division manager for eCommerce. “Together with Accertify, we can leverage our knowledge and fraud prevention experience to equip our merchants with a cohesive solution to alleviate the risks associated with online payment acceptance. Merchants shouldn’t have to worry about implementing add-on tools. With this solution, merchants will now have the flexibility to obtain an integrated payment platform as part of a single, comprehensive service.”



“First Data is an ideal partner for Accertify,” said Jeff Liesendahl, CEO at Accertify®. “Its market leadership in eCommerce and knowledge of customers’ environments has already proven to be beneficial for our joint solution. Merchants that take advantage of the combined First Data eCommerce and Accertify platforms will have tools to help stop fraud more efficiently, without the need to develop their own solutions or significant supplements to other solutions they may have purchased.”



The agreement with Accertify, in conjunction with the tokenization and encryption solution developed by First Data and RSA, called the First Data® Secure Transaction ManagementSM service, dramatically redefines how merchants manage and protect their customer payment data.

About Accertify

Accertify Inc. is a leader in providing e-commerce companies with software, tools and strategies for preventing online fraud and mitigating enterprise-wide risks. Our Interceptas platform integrates every component of fraud prevention, applies state-of-the-art automation to each step in process and offers advanced capabilities for managing fraud data. Built with a merchant's perspective, Interceptas delivers unparalleled flexibility in preventing various types of criminal behavior, including fraud related to card-not-present purchases, online scams and policy abuse, merchandise returns and exchanges and other data management challenges. Accertify is committed to providing online companies with the most cost-effective solution to fraud available. For more information, visit www.accertify.com.



About First Data

First Data powers the global economy by making it easy, fast and secure for people and businesses to buy goods and services using virtually any form of electronic payment. Whether the choice of payment is a gift card, a credit or debit card or a check, First Data securely processes the transaction and harnesses the power of the data to deliver intelligence and insight for millions of merchant locations and thousands of card issuers in 36 countries. For more information, visit www.firstdata.com.

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Westpac Awards Hypercom $50 Million Contract

Westpac Banking Corporation Awards Hypercom Five Year Product and Services Supply Contract Valued at up to $50 Million

Selection Considerably Expands Hypercom Footprint

SCOTTSDALE, Ariz.--(BUSINESS WIRE)--Hypercom Corporation (NYSE: HYC) today announced that Westpac Banking Corporation, one of Australia’s largest financial services organizations by market capitalization, has selected and will deploy thousands of Optimum T4200 countertop terminals to merchants throughout Australia. Under the terms of the five year agreement, Hypercom will also service Westpac’s entire installed base of more than 80,000 terminals. Hypercom was selected as Westpac’s supplier after a rigorous RFP process. The T4200 terminal roll out, one of the payment industry’s largest ever in the region, will commence in early 2010. The parties estimate that Westpac will purchase terminals and services valued at approximately $50 million from Hypercom over the five year initial term of the contract.



“Westpac Banking Corporation is highly respected for its leadership, performance, innovation and unwavering singular focus on its customers. Their decision to switch to Hypercom represents a huge market share gain for the company in Australia and New Zealand, considerably expands our footprint, and is a superb endorsement of our company and our products,” said Jacques-Herve Maupin, Managing Director, Hypercom Asia Pacific.



Hypercom’s Optimum countertop and mobile series has received PCI PED security approval, MasterCard Worldwide Payment Terminal Security approval for IP and wireless communication and EMV Level 1 & 2 certifications for chip card transactions. All models share the same platform, user interface and software toolkit to maximize efficiency, application portability and offer customers a broad range of options to serve any market need.



For additional information, please visit http://www.hypercom.com/products/.



About Westpac Banking Corporation (www.westpac.com.au)

Westpac Banking Corporation is ranked in the top five listed companies by market capitalization on the Australia Securities Exchange Limited (ASX). Westpac is strategically focused on Australia, New Zealand and the near Pacific, maintains over 1,200 branches and serves about 10 million customers. Westpac merged with St. George Bank in 2008, Bank of Melbourne in 1997, Challenge Bank in 1995, and Trust Bank in New Zealand in 1996 and acquired Rothschild Australia Asset Management and parts of BT Financial Group in 2002.



About Hypercom (www.hypercom.com)

Global payment technology leader Hypercom Corporation delivers a full suite of high security, end-to-end electronic payment products and services. The Company's solutions address the high security electronic transaction needs of banks and other financial institutions, processors, large scale retailers, smaller merchants, quick service restaurants, and users in the transportation, petroleum, healthcare, prepaid, unattended and many other markets. Hypercom solutions enable businesses in more than 100 countries to securely expand their revenues and profits. Hypercom is a founding member of the Secure POS Vendor Alliance (SPVA) and is the second largest provider of electronic payment solutions and services in Western Europe and third largest provider globally.

Western Union Promotes Hikmet Ersek to Chief Operating Officer

ENGLEWOOD, Colo.--(BUSINESS WIRE)--The Western Union Company (NYSE:WU) today announced the promotion of Hikmet Ersek to chief operating officer effective January 1, 2010. In his new role, Ersek will continue to report to Christina A. Gold, president and chief executive officer, and will have responsibility for all of Western Union’s business units around the world, as well the company’s operations and marketing functions.



“Western Union has grown considerably in scale, scope and complexity over the past few years,” said Christina A. Gold. “Hikmet has proven to be an effective and resourceful leader, building highly engaged teams and consistently delivering results amid increasing diversity in our business. His new role will allow the company to focus on our drive toward innovative ways to serve our consumers and business clients every day. I am very pleased that he has agreed to take this new leadership position in service to our company and shareholders.”



Ersek is currently the executive vice president and managing director for Europe, the Middle East, Africa and the Asia Pacific region, based in Vienna. A native of Turkey, Ersek joined First Data Corporation, Western Union’s former parent, in September 1999, and held executive positions at GE Capital and Europay / Mastercard. He holds a degree in Economics and Business Administration from the University of Economics in Vienna.



About Western Union

The Western Union Company (NYSE: WU) is a leader in global payment services. Together with its Vigo, Orlandi Valuta and Pago Facil branded payment services, Western Union provides consumers with fast, reliable and convenient ways to send and receive money around the world, as well as send payments and purchase money orders. Western Union, Vigo and Orlandi Valuta operate through a combined network of more than 400,000 agent locations in 200 countries and territories. In 2008, The Western Union Company completed 188 million consumer-to-consumer transactions worldwide, moving $74 billion of principal between consumers, and 412 million consumer-to-business transactions. For more information, visit www.westernunion.com.

Merchants’ Choice Payment Solutions Acquires Silverton Bank Portfolio of Agent Banks

THE WOODLANDS, Texas--PIN Payments News Blog--Merchants’ Choice Payment Solutions (MCPS), announced the acquisition of the portfolio of agent bank relationships from Silverton Bank in Atlanta, Georgia.



“We are excited to have the opportunity to serve Silverton's agent banks and their merchant customers,” said Stan Paur, president and CEO of Merchants’ Choice Payment Solutions. “We will be working with the Silverton staff to insure an efficient and seamless transition over the next few months. I believe the financial institutions and their merchants will be very pleased with the levels of support and the quality of service they receive from MCPS.”



The acquisition brings Silverton’s agent banks and merchant customers into an existing network that delivers premium payment processing behind the scenes while banks retain their business banking relationships. The move adds several hundred banking institutions and several thousand merchants to the MCPS agent bank program. MCPS offers a wide array of credit, debit, check, and other payment services across multiple industries. Paur added that the acquisition of the Silverton portfolio represents the first of a number of initiatives to expand the MCPS agent bank and merchant bank program.



The integration will continue through the end of the year as Merchants’ Choice works to provide immediate value for their new merchant customers and agent bank partners.



About Merchants’ Choice Payment Solutions (MCPS)



Texas DCS d.b.a. Merchants' Choice Payment Solutions – MCPS – is a company committed to your success; a company that provides not just products, but partnerships; a company with a long-standing reputation of honesty, integrity, and ethical business practices; a company with the resources to handle all your payment processing needs. MCPS is one of the top-ranked merchant acquirers in the industry, specializing in providing electronic processing systems for all types of businesses, including but not limited to retailers, restaurants, physicians, dentists, gas stations, convenience stores, auto repair facilities, lodging, beauty/barber shops, medical services, and veterinarians.



As a certified Merchant Services Provider and an Independent Service Provider, MCPS can offer the most comprehensive processing services on the most popular payment options available to consumers, including Visa, MasterCard, American Express, Discover, Diners Club, Debit cards, Checks, Gift/Loyalty cards, Electronic Benefits Transfer, Fleet Management Cards, and JCB.



MCPS began in the late 1980s and has grown with the strength of Woodforest National Bank, a $3.2 billion financial institution based in Houston, as its foundation. With the stability and financial strength of Woodforest, MCPS has built the infrastructure necessary to support growth with state-of-the-art technology. Today, MCPS serves over 41,000 merchant partners, processing more than $3.4 billion in annual credit card volume. Visit our website for more information: www.mcpscorp.com.

Heartland Payment Systems Updates Results for the Third Quarter

PRINCETON, N.J.--(BUSINESS WIRE)--Heartland Payment Systems, Inc. (NYSE:HPY), a leading provider of credit/debit/prepaid card processing, payroll, check management and payment services, today announced that subsequent to the release of its earnings for the third quarter on November 3, 2009,

Heartland engaged in settlement discussions that resulted in an increase in settlement offers made to certain claimants in an attempt to resolve certain of the claims asserted against Heartland relating to the criminal breach of Heartland’s payment systems environment (the “Processing System Intrusion”).

Heartland believes that SFAS No.5, “Accounting for Contingencies” (ASC 450-20) requires it to increase its Reserve for Processing System Intrusion from the amount included in the financial results reported in Heartland’s November 3, 2009 earnings release to reflect this increase in such settlement offers.



As a result of the increase in this reserve, Heartland reported in its Form 10-Q, which was filed with the SEC yesterday, a GAAP net loss for the quarter ended September 30, 2009 of $37.1 million, or $0.99 per share, and a GAAP net loss for the nine months ended September 30, 2009 of $42.2 million, or $1.12 per share. Results for the quarter are after $73.3 million (pre-tax), or $1.22 per share, of various expenses, accruals and reserves, all of which are attributable to the Processing System Intrusion, including charges related to settlement offers made by Heartland in attempts to resolve certain Processing System Intrusion related claims and expected costs of settling certain other claims as to which settlement discussions between Heartland and the claimants are underway. Such expenses, accruals and reserves for the nine month period totaled $105.3 million (pre-tax) or $1.74 per share. The increase in the Reserve for Processing System Intrusion has no impact on the Adjusted Net Income and Earnings per Share reported in the November 3, 2009 earnings release.



About Heartland Payment Systems

Heartland Payment Systems, Inc., a NYSE company trading under the symbol HPY, delivers credit/debit/prepaid card processing, payroll, check management and payment solutions to more than 250,000 businesses nationwide.

Heartland is the founding supporter of The Merchant Bill of Rights, a public advocacy initiative that educates merchants about fair credit and debit card processing practices. For more information, visit www.heartlandpaymentsystems.com and www.MerchantBillOfRights.com.

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nFinanSe Announces Launch of Visa® Prepaid Debit Card

TAMPA, Fla.--(BUSINESS WIRE)--nFinanSe Inc. (OTCBB:NFSE) (www.nfinanse.com) today announced it will be launching its new Visa® Reloadable Prepaid Debit Card in Winn-Dixie Supermarkets in December 2009.



As shown, the new, deep gold card and stylish metallic blue packaging present a bold, striking, yet elegant effect, and has been designed to attract the eye of a consumer as she approaches a retail store display fixture. The card and packaging were designed by Fifty Eight Advertising, an Atlanta-based advertising firm.



Mike Gustafson, Creative Director for Fifty Eight Advertising, said, “We wanted to design packaging that was sleek and aesthetically pleasing yet, we wanted it to `pop' when you saw it on the retail display fixture. We decided to achieve this by developing a modified-monochrome look which highlights two key focal points – a $3 retail sales price, which we believe to be the lowest in the marketplace, and the Visa logo.”



The Company also stated that another objective of its new Visa Reloadable Prepaid Debit Card packaging design was to improve the transparency of fees for consumers.



Jerry R. Welch, Chairman and Chief Executive Officer of nFinanSe, said, “We have worked hard to bring a consumer friendly approach to the prepaid card industry and have been a leader in establishing ‘best practices’ such as low fees and free 24/7 customer service – and now extending that leadership to drive more transparency of associated fees for consumers.”



The Company’s new Visa Reloadable Prepaid Debit Card will feature what the Company believes to be the best overall pricing in the marketplace at this time. The new card will sell for $3 at retail stores and will not charge the consumer any fees on purchase transactions. It will have a low $2.95 monthly maintenance fee for an unlimited number of purchase transactions and will allow consumers to load additional funds for only $2.95. The Company’s Visa Reloadable Prepaid Debit Card will charge a customer $1.50 to withdraw funds at an ATM but will offer free direct deposit of payroll, free receipt of bank transfers to the card, free live customer service in English and Spanish and free cell phone text message alerts with purchase and balance information after each transaction.



Furthermore, all major fees will be clearly displayed on the packaging so that consumers will be able to discern the costs of carrying an nFinanSe Visa Reloadable Prepaid Debit Card and will be able to compare it to any competing product. Mr. Welch continued, “We are proud of the positioning of our product to the consumer and we encourage them to compare our pricing and features to that of our competitors. Our industry is still in the early stages of development and we believe that as many as 100 million adults have a need for a reloadable prepaid card. Accordingly, we have designed our card for mass appeal and are focused on creating trial and usage for our product through our aggressive pricing.”

About nFinanSe Inc.

nFinanSe Inc. (OTC Bulletin Board: NFSE) is an innovative financial services company and provider of stored value and prepaid card solutions headquartered in Tampa, Florida. nFinanSe has developed the nFinanSe Network™, a secure, reliable value load and activation platform that connects with retail merchants and other value load stations located throughout the United States. For more information, visit www.nfinanse.com.




This card is issued by Palm Desert National Bank pursuant to a license from Visa U. S. A., Inc.

 

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INTERAC (and PIN Debit) Celebrates 25th Year

Interac'ing for 25 Years.  



In addition to Smart Cards, contactless debit card payments could soon be widely available in Canada thanks to a new innovation from Interac.  The debit system is celebrating the 25th anniversary of its pin-based network and has announced a number of new developments for the coming years.  In addition to driving the movement towards chip and pin debit cards in Canada, plans are also underway to create a contactless payment option.



Calling contactless technology "a fast and convenient payment alternative to cash for everyday small purchases", the card firm noted in a July 15th press statement that its partnership with Inside Contactless will help make this move possible.  But Visa might have a head start:  Visa Canada to Showcase Contactless Debit at Olympics in Vancouver   



Oh, by the way...a recent study by INTERAC(R) Study Reveals Three-quarters of Canadians Still Using Personal Cheques.  Here's Interac's 25th year Anniversary Press Release:

INTERAC Celebrates 25 Years of Connecting Canadians to their Money

From in-store to online; from magnetic stripe to chip; from contact to contactless; INTERAC continues to evolve -



TORONTO, Nov. 9 /CNW/ - INTERAC marks 25 years of providing Canadians secure access to their money from coast to coast to coast. On November 9, 1984, a single national PIN-based network was born out of a vision to connect Canadians to their money anywhere, anytime. INTERAC's growth and evolution took off from that point and today, both consumer awareness and usage levels are almost unmatched worldwide.



"INTERAC is a world-class debit system and a made-in-Canada success story," said Mark O'Connell, President and CEO, Interac Association/Acxsys Corporation. "With its 24/7 convenience, reliability and security, Canadians have embraced INTERAC to become some of the highest users of debit per capita globally. It has truly changed the way we live our daily lives and we can all share in and be proud of its success."



INTERAC has become Canada's preferred method of payment, surpassing cash and credit, and today it not only connects Canadians to their money at the ABM and at the store, but also online through Web-based services: INTERAC Online, for online purchases and INTERAC Email Money Transfer, for person-to-person money transfers.



New features and products continue to be developed and implemented to meet the needs of Canadians and the marketplace, including the movement to chip on debit in Canada, which INTERAC is driving. A contactless INTERAC debit payment option is also on the way that will provide customers a fast and convenient payment alternative to cash for everyday small purchases.



"We operate true to our Canadian roots, and we leverage what makes us different than the competition," said O'Connell. "We will continue to offer Canadians the best payment products available and the value-add of being a low-cost payment option. That is what has made us successful and will drive our success over the next 25 years and beyond."



INTERAC milestones... for 25 years, proudly Canadian

----------------------------------------------------

    1984  Five financial institutions envision one national PIN-based network
          to connect Canadians to their money anywhere, anytime.
    1986  Financial institutions link their ABM networks to give cardholders
          broader access to cash withdrawals at ABMs across Canada.
    1990  INTERAC Direct Payment launches in Ottawa/Hull.
    1994  INTERAC Direct Payment launches nationally.
    1996  First non-financial institution offers cash withdrawals at ABMs.
    1997  One billion INTERAC Direct Payment transactions processed.
    1998  Canada marks the highest number of point-of-sale transactions
          compared to other countries around the world, with 44.7
          transactions per inhabitant.
    2000  INTERAC Direct Payment surpasses cash as Canadians' preferred
          method of payment.
    2004  INTERAC Email Money Transfer service launches.
    2005  INTERAC Online launches.
    2007  Canada's first INTERAC chip debit card transaction conducted.
    2008  Chip technology begins to roll out across Canada.
    2008  Nearly 4 billion INTERAC Direct Payment transactions processed,
          worth $168 billion.
    2009  INTERAC partners with global leader INSIDE Contactless to bring
          contactless debit to Canada.

INTERAC...Canada's leading payment network
 

- 35 million cards in circulation; 3.7 billion INTERAC Direct Payment

transactions (Source: Interac Association, 2008).

- 630,534 store terminals; 57,864 ABMs (Source: Interac Association,

2008).

- Canada has 1,748 ABMs per one million inhabitants - the highest

number of ABMs compared to any other country in the world (Source:

Bank of International Settlements, 2007).

- Canada is among the highest users of debit compared to other

countries around the world with 104 transactions per inhabitant,

second to Sweden with 125 transactions per inhabitant (Source: Bank

of International Settlements, 2007).

- INTERAC Direct Payment is the preferred method of payment in Canada,

with 45 per cent of Canadians choosing INTERAC Direct Payment,

compared to 22 per cent who choose cash and 31 per cent who choose

credit (Source: Strategic Counsel, 2008).

- Almost 60 per cent of all card payment transactions in Canada are

debit (Source: The Nilson Report).

For further information: or to book an interview with an Interac Association/Acxsys Corporation spokesperson, please contact: David Weinstein at Strategic Objectives at (416) 366-7735 or davidw@strategicobjectives.com; Tina Romano at Interac Association/Acxsys Corporation at (416) 869-5062 or tromano@interac.ca

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Visa Launches First Global Olympic Marketing Campaign

Announcement Follows Recent Sponsorship Renewal Through 2020 Olympic Games



Visa Inc. (NYSE: V), a Worldwide Olympic Games Sponsor for more than two decades, today announced the global launch of its Olympic-themed marketing campaign for the Vancouver 2010 Olympic Winter Games, Go World. This global campaign, which features television,digital and out-of-home advertising, host market merchant activation programs and usage promotions, enables Visa to connect with cardholders and Olympic and Paralympic Games fans to drive preference for and usage of Visa products worldwide.



This launch follows the recent extension of Visa's Olympic Games sponsorship for another eight years - through 2020 - enabling Visa's financial institution clients and merchant partners to continue to build strong relationships with their customers through unique Visa marketing programs.



"Go World builds on the concept that ran so successfully in the United States during the Beijing 2008 Olympic Games," said Antonio Lucio, Chief Marketing Officer of Visa Inc. "To connect with Olympic fans globally, we've taken this platform and created a campaign that transcends borders, resonates with fans' sense of national pride, builds our own business and that of our clients, and advances the spirit of the Olympic Movement."



The Go World campaign celebrates athleticism and human triumph through unique athlete stories. It features a wintry blue tone throughout all creative executions and will be customized to maximize local relevance in key markets. The campaign also includes merchant offers, enhanced social media applications and a deeper focus on Visa-sponsored athletes (Team Visa - Vancouver).



US Television Advertising & Customization



On Sunday, November 1, "Get Closer," the first of several television commercials, aired in the United States. "Get Closer" reinforces Visa's history of supporting Olympic and Paralympic hopefuls and connects directly with fans through a new Olympic-themed usage promotion. When United States cardholders use their Visa card between November 1 and December 31, 2009, they will be automatically entered for a chance to win a trip for four to the Vancouver 2010 Olympic Winter Games. Each trip will include airfare, hotel, and VIP hospitality access, as well as event tickets, courtesy of Visa. In addition, Visa will award five first prize winners a Panasonic High-Definition Blu-Ray Theater featuring a 58-inch Plasma HDTV and a $500 Visa gift card, and five second prize winners will receive a $500 Visa gift card. Official rules are available at www.visa.com/goworld. No purchase or obligation necessary to enter or win.



The second spot, "Anthem," will air in the coming weeks to build anticipation for the Games with images of a burning Olympic Cauldron and a montage of iconic Olympic Games moments to remind viewers of global commonalities and the power of the Olympic Spirit.



"When we introduced More people go with Visa earlier this year, we focused on people taking action - and the role of Visa in that action," Lucio said. "No group embodies this concept of empowerment more than the thousands of Olympic and Paralympic athletes chasing their Olympic dreams."



Upcoming creative executions of Go World will feature Olympic and Paralympic athletes of the past and present - including a series of television commercials during NBC's broadcast of the 2010 Winter Games in the United States, where Visa will enjoy category exclusivity for the duration.



Similar to More people go with Visa, elements of the Go World campaign will be localized in Canada, Russia, Japan, Korea, China and Latin America to strengthen the campaign's relevance in those markets.



US Go World Web Site



Visa's efforts in the digital space also put the athletes at the center, offering cardholders and Olympic and Paralympic Games fans a unique glimpse at the personal journey of these hopefuls. By providing this behind the scenes access, Visa reinforces its role in the Olympic Movement and strengthens its relationships with millions of Olympic and Paralympic Games fans worldwide.



The campaign will also include an extensive Web site (US- www.visa.com/goworld), which contains exclusive merchant offers, behind the scenes Team Visa - Vancouver training videos, downloadable photos of athletes in action, and athlete training playlists with songs available for purchase. Team Visa - Vancouver (US) athletes featured here include Julia Mancuso (alpine skiing), Lindsey Jacobellis (snowboard, snowboard cross), Ryan St. Onge (freestyle skiing, aerials), Angela Ruggiero (ice hockey), and Paralympian Alexi Salamone (ice sledge hockey).



Athlete widgets will be available for download and posting on social media networks such as Facebook and Twitter. Visa has also worked with its network of merchant partners to provide exclusive offers to Visa cardholders as they prepare for the Vancouver 2010 Olympic and Paralympic Winter Games. Available at www.visa.com/goworld, Visa cardholders are able to access savings at popular merchants including The Hilton Family New York City, CoSport, Finish Line, Alamo Rent A Car and National Car Rental. In the coming weeks, Visa will introduce six Visa Gift Card designs featuring Team Visa - Vancouver athletes and a Whistler landscape image for purchase at Gift Card Mall via www.visa.com/goworld.



The Go World online content will also be customized for Olympic and Paralympic Games fans in Canada and Russia. In Canada, the Go World Web site features Team Visa - Vancouver athletes including Emily Brydon (alpine skiing), Clara Hughes (speed skating), Colette Bourgonje (Paralympic cross-country skiing), Brian McKeever (Paralympic cross-country skiing, biathlon), Jennifer Heil (freestyle skiing, moguls), Alexa Loo (snowboard) and Jeff Christie (luge), mentors Kurt Browning (figure skating), Nathalie Lambert (short track speed skating) and Ian Balfour (Paralympic alpine skiing), and ambassadors Jeffrey Buttle (figure skating), Danielle Goyette (ice hockey) and Diedra Dionne (freestyle skiing, aerials). Russia's Go World Web site spotlights Team Visa - Vancouver athletes OIga Zavyalova (cross-country skiing) and Albert Demchenko (luge).



Athlete Support & Olympic Sponsorship Activation



Visa believes that the Games begin and end with the athletes and has created a unique global program, Team Visa, to provide long-term support to these hopefuls as they prepare for one of the greatest challenges of their lives: competing at the Olympic and Paralympic Games. Since 1986, Visa has empowered thousands of these athletes to achieve their dreams by providing them with financial support, financial literacy training and valuable marketing exposure in pursuit of their goals. In the run-up to the 2010 Winter Games, Visa will support more than 30 individual athletes, all with the potential to be selected for their National Teams. Currently, Team Visa - Vancouver includes top athletes as well as national teams from the United States, Canada, China, Japan and Russia.



Over the past few months Visa has been working with its financial institution clients globally to offer Visa cardholders the once-in-a-lifetime opportunity to attend the Games and with national and international merchant partners to help them generate business and excitement among their customers leading up to the Games. Go World is prominent on the interior (register branding, point-of-sale) and exterior (banners) of the Vancouver 2010 Olympic Superstore (Hudson Bay Company) in downtown Vancouver. Additionally, Go World will be featured throughout Visa's presence program, including point of sale materials at merchants around Vancouver and Whistler.



Visa remains the only card accepted at 2010 Winter Games venues in Vancouver and Whistler and at select U.S. Olympic Team Trials in the United States. This extends to the purchase of Visa Olympic Winter Games merchandise online, in Olympic Games retail stores and by catalog. At the Olympic and Paralympic Games, Visa installs a special Games ATM network and hundreds of point-of-sale acceptance devices at competition and non-competition venues. Onsite at the Vancouver 2010 Olympic and Paralympic Winter Games, Visa personnel will also provide a variety of card payment related services to cardholders.

About Visa

Visa Inc. operates the world's largest retail electronic payments network providing processing services and payment product platforms. This includes consumer credit, debit, prepaid and commercial payments, which are offered under the Visa, Visa Electron, Interlink and PLUS brands. Visa enjoys unsurpassed acceptance around the world, and Visa/PLUS is one of the world's largest global ATM networks, offering cash access in local currency in more than 170 countries. For more information, visit www.corporate.visa.com.



Media Contacts

Andrew Woodward

Visa USA

650.432.3923

woodward@visa.com

Dianna Mangiantini

Fleishman-Hillard

415.318.4182

dianna.mangiantini@fleishman.com

From Finextra: 

Texan start-up DeviceFidelity has launched a 'plug-and-play' application for transforming mobile phones into contactless payment devices.  The privately-funded two year old company - co-founded by former Gemalto executive Deepak Chain - has developed a smart card chip that can be pre-loaded with payment applications and inserted into spare memory card slots in existing mobile devices. The company saysthe patent-pending In2Pay microSD system is compatible with near field communication (NFC) technology and existing merchant, mass transit and banking network infrastructures.  DeviceFidelity - which will be demonstrating In2Pay at the forthcoming Cartes show in Paris - claims to have signed 'evaluation' agreements with come of the largest card issuers in the US.

Continue reading at Finextra

Finextra Verdict: DeviceFidelity has a neat approach but it appears to have been left in the starting blocks by a new generation of lightweight RFID sticker-based systems, which have already picked up momentum with issuers and consumers. It's going to be a long, hard sell.



RFID sticker-based systems?  Were you aware that there are "kits" to make your very own RFID tags at home.  (see picture on left) Doesn't sound like a tough system to crack.



Oh, is that what they mean by lightweight?  



Press Release:

DeviceFidelity In2Pay™ Brings Next-Generation Interactive Contactless Transactions to Millions of Mobile Phones Now

Industry’s First microSD Solution with Integrated Antenna and Approved Contactless Smart Card Chip

CARTES & IDentification 2009

RICHARDSON, Texas--DeviceFidelity, Inc. today announced the availability of its patent-pending In2Pay™ solution, a microSD-based technology that transforms any mobile phone with an available memory card slot into an interactive contactless transaction device. Compatible with near field communication (NFC) technology, In2Pay is now available for trials with banks, wireless carriers and payment networks, with volume production for commercial deployments in 2010. DeviceFidelity has signed evaluation agreements with some of the largest card issuers in the U.S. and will be demonstrating In2Pay at Cartes 2009.



In2Pay’s “plug-and-play” technology provides a simple and effective alternative for installing NFC contactless transaction functionality on the millions of mobile phones now in use. Designed to be compatible with existing merchant, mass-transit and bank infrastructure, In2Pay makes mobile contactless transactions faster, easier and more secure with one-click access to payments and other personal access control features. Issuers and carriers can deploy In2Pay as an integrated services platform, with the option of additional memory, enabling them to deliver their entire portfolio of mobile applications through their customers’ mobile phones.



Sixty percent of existing mobile phones deployed in the U.S. have a microSD card slot, allowing consumers to insert In2Pay for conducting contactless transactions without the need for additional software or hardware. In2Pay is designed to operate on most popular smart-phone operating systems, making wide-scale deployment of mobile payments cost effective and viable now.



In2Pay uses an industry standard dual interface contactless smart card chip that supports all major contactless payment networks with available options for transit, identification and access control applications. In2Pay is pre-loaded with certified payment applications in secure memory, and simplifies market deployment by allowing issuers or wireless carriers to provision the user account using certified personalization bureaus. As a result, when customers receive In2Pay from the issuer, they can immediately insert it into their phones and are ready to make contactless transactions.



“We’re committed to helping the industry transform the mobile phone into a ubiquitous mode of retail payment that is faster, more secure and more convenient,” said Deepak Jain, CEO of DeviceFidelity. “In2Pay’s open architecture, industry standard smart card chip and compliance with industry processes make it easy for banks, payment networks and wireless carriers to deploy mobile payment programs quickly without special handsets or changes to merchant infrastructures.”



While many major U.S. retailers and transit authorities have upgraded their point-of-sale systems to accept contactless transactions, industry analysts believe the mobile phone could accelerate the use of contactless payments on a wider scale. Consumer attitudes seem to support this. In a recent Synovate global survey, three quarters of the respondents and 82 percent of Americans in the study said they never leave home without their mobile phones. One in four said they would find it harder to replace a mobile phone than a wallet or purse.



About DeviceFidelity, Inc.

DeviceFidelity, Inc. develops plug-and-play technologies that empower a variety of institutions to deploy their services and applications on millions of mobile phones worldwide. Its patent-pending In2Pay microSD solution transforms any mobile phone with an available memory card slot into an interactive contactless transaction device. Committed to bringing contactless innovation to the mobile phone, the company has numerous patents pending in both U.S. and international patent offices. DeviceFidelity is a private corporation with headquarters in Richardson, Texas and offices in Foster City, Calif. For more information, go to www.devicefidelity.com.

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