UATP SIGNS DEAL WIT H NXSystems, inc.
Prepaid Cards Offer Multiple Currency and Split Tender Option

Washington, DC – 11 November 2009 – Universal Air Travel Plan, Inc. (UATP) today announced a partnership with NxSystems, Inc., a leading provider of Global Payment Solutions. NxSystems product line includes domestic and international prepaid cards that are processed through a proprietary multi-currency payment platform gateway that allows worldwide access to e-banking, e-payments and e-commerce. 

“By partnering with UATP, we will be able to offer UATP airline partners voucher prepaid debit  cards, with multi-currency and split-tender options, giving airlines the ability to attract a variety of consumers and maximize profitability,” said Scott Amon, president, NxSystems, Inc.  “Our product offers consumers a fast, easy method of payment while reducing the risk of fraud to airlines and lowering the cost of distribution – a win-win solution.”

NxSystems, Inc. brings to the UATP partnership the unique ability for split-tender payments, domestically and internationally.  Split tender will enable consumers to use the voucher prepaid debit card in a multitude of currencies with combined payment options, for use around the globe.   NxSystems proprietary NxPay™ Payment Platform Gateway software provides consumers with a global payment solution that links prepaid debit cards to its multi-currency payment platform, creating an innovative and comprehensive web-enabled solution. Real-time transactional info rmation can be managed from virtually anywhere in the world. 

“In today’s economy, offering as many payment options to the public is a smart business move for the airlines,” said Ralph Kaiser, president and CEO, UATP.  “Consumer demand is driving the push to the airlines for non-traditional forms of payment, and UATP will continue to make these available to the airlines through existing UATP connections.”

For more info rmation, visit http://uatp.com or www.nxsystemsinc.com

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About UATP
UATP accounts are accepted as a form of payment for corporate business travel by airlines and travel agencies worldwide. UATP accounts are issued by: Aer Lingus, Air New Zealand (ANZFF.PK), American Airlines (NYSE: AMR), Austrian Airlines (AUALF.PK), Continental Airlines (NYSE: CAL), Delta Air Lines (NYSE:DAL), GOL Linhas Aéreas Inteligentes S.A. (NYSE: GOL and Bovespa: GOLL4), Japan Airlines (Pink sheets: JALSY.PK), Northwest Airlines, Qantas Airways (QUBSF.PK), Ltd., United Airlines (Nasdaq: UAUA), and US Airways (NYSE:LCC). AirPlus International issues the UATP-based Company Account for: British Airways (Pink sheets: Bairy.pk), Continental Airlines (NYSE: CAL ), and Lufthansa German Airlines.

About NxSystems
NxSystems - a leading provider of Global Payment Solutions offers organizations of every size, and across every industry and geography, a comprehensive suite of innovative electronic payment products that access the global financial network.  From payroll and commissions, personal and business travel expenses, procurement, loyalty, gift and incentive programs, student rewards, consumer rebates and buy here pay here financing, the NxPay payment platform provides a real-time web-enabled electronic payment software solution for consumers, merchants, Independent Sales Organizations (ISOs) and multi-national companies located throughout the world. For more info rmation about NxSystems array of global payment solutions, visit www.nxsystemsinc.com or call 503-513-9900.

Fortifying e-commerce with signatures
Product: SignatureLink Company: SignatureLink Inc.

Payment cards were invented decades ago without any real foreknowledge of e-commerce, and many say such cards lack adequate controls for the online medium. But e-commerce platforms have themselves made some changes to make virtual payments safer. Often those changes involve identifying what features in physical POS environments are absent from e-commerce platforms and figuring out ways to bridge the divide. A product called SignatureLink, from a company of the same name, is designed to do just that. SignatureLink has taken a long-time hallmark of brick and-mortar card payments and enhanced it. The service allows online merchants to require that purchasers sign, with a mouse, at the bottom of every transaction.

Everything else stays the same – the service is not meant as a replacement to other security features but rather an add-on to existing ones. "It's analogous to a brick-and-mortar store: You're buying something, you have a point of sale terminal, you swipe your credit card and sign your name," said SignatureLink Inc. Jason Napsky, CTO. "We're taking that offline process and enabling companies that sell products online to use our virtual signature pad as the last step in the checkout process.

Features of SignatureLink include:
• Provides extra online authentication via electronic signature
• Captures multiple signature properties, including image and sign velocity
• Rejects simple signatures made of only one or two dashes or lines
• Complements rather than replaces existing security features

"You sign your name and click submit, and basically we create an actual image of that signature that you provided. We store it in our system and return a response back to the checkout cart, and the normal payment processing routine prevails from there."

Multiple features of signature captured According to the company, the electronic signature SignatureLink captures is more complex and less imitable than a conventional signature. For starters, a certain level of complexity is required: a signature made of a simple dash or a couple straight lines will be rejected by the program, and the user has to sign again. Also, the program captures not only the image of a signature, but also properties relating to the way it is drawn. "With signatures now it's really just an image," said SignatureLink CTO Jason Napsky. "With SignatureLink, there are other biometric features we capture that make signature comparison of an electronic signature actually stronger than a signature comparison on a piece of paper. We capture other information like the speed of signing, the velocity and the acceleration." Tracking those properties makes it impossible to forge an online signature by cutting and pasting a stolen one, Napsky added.

Checks signed online in the future? Surprisingly, SignatureLink cannot, as yet, be used on the payment medium to which it would seem especially well-suited: online checks. According to Chito Collins, Lead Sales and Marketing Consultant for SignatureLink, Check 21 laws still require that digital checks originate as physical documents, but expansion of Check 21 to allow checks to originate as digital images is coming. "It's a major enhancement on the functionality of the Check 21 law," she said. "[Its deployment] will be a year-and-a-half to two years, depending on how fast the government works." Napsky added that while the service was currently being used only to authenticate at the back-end of transactions, it could also be used as a blocker that prevents fraud. Consumers would have their digital signatures stored on file, and online transactions would require that new signatures roughly match existing ones.

SignatureLink Inc.
800-511-2050
www.signaturelink.com

Case Study – Point of Sale Integration
With millions of online transactions occurring each day across the globe both merchants and consumers alike are at risk of payment fraud, illegitimate chargebacks, data security, and identity theft. SignatureLink Signature Pad 2.0 was created quite specifically to help mitigate fraudulent payments and reduce illegitimate chargebacks; such that merchants and consumers stand a fair chance during the dispute investigation process.

SignatureLink held interview sessions with several of its customers serving in the Ecommerce space. These customers are presently utilizing SignatureLink’s Signature Pad at point of sale in Checkout, and/or to secure terms and conditions surrounding a retail agreement between the merchant and its customer. While the merchants have requested to remain anonymous in this artifact, references supporting the claims represented herein may be furnished or facilitated upon request.

Click here to download white paper

Breakthroughs in the European Mobile Payment Market
Atos Origin
Written by Laurent Bailly and Bernard Van der Lande

Executive Summary
Mobile payment has yet to fulfil its potential. The time is now right for the mobile phone to step up and become an everyday,convenient payment method.

Technological advances, such as the new generation of mobile devices, the emergence of contactless payments, IP everywhere and 3G, coupled with the adoption of the new legal framework for payments and the creation of the Single Euro Payment Area (SEPA) means the future for mobile payment has never been more promising.

The future of mobile payment will likely belong to contactless technology
Still in its pilot stage in Europe, Near Field Communication (NFC) contactless payment is a huge opportunity for proximity payment, as it addresses both the cash and card payment markets.

Collaboration between stakeholders is key
Standardisation and business model issues need to be resolved through strong collaboration between mobile operators, banks and retailers, so as to limit the number of rival solutions, which would inhibit mobile contactless payment adoption.

Mobile remote payment will prosper in the short term
The technology for mobile remote payment is already mature with opportunities beyond mobile content, such as pre-paid top-up and electronic bill payment.
For mobile operators, it provides new opportunities to drive additional revenue via mobile shopping and payment traffic. The market is also accessible to banks and new entrants. In fact, with Paypal Mobile and Google Checkout arriving on mobile phones, Internet giants already represent a common threat to the incumbent telecoms operators and banks.

Mobile remote and proximity payment are converging
Mobile remote payment technology and NFC proximity technology will be soon be complementary. A good example of this is m-ticketing: using a remote m-payment service, users can buy and download an m-ticket on their mobile phone, before swiping the phone over an NFC-enabled gate.

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