| Home
Conferences DIRECTORY DA/Call Center Optimization Services |
Return
|
|
|
TABLE OF CONTENTS |
|
|
Section |
|
|
CHAPTER I: Executive Summary |
|
|
CHAPTER II: Overview of the Payments Market |
|
|
2.0 Five Forms of Currency in 4,000 Years |
|
|
2.1 The Way People Pay |
|
|
2.2 Disruptive Innovation |
|
|
2.3 Credit vs. Debit Cards |
|
|
2.4 Stored Value and the Payment Process |
|
|
2.4.1 Retailers/Business |
|
|
2.4.2 Financial Companies |
|
|
2.4.3 Disintermediation |
|
|
2.4.4 New Business Model |
|
|
2.5 The Telephony Connection |
|
|
2.6 Unintentional Infrastructure |
|
|
2.7 Retail Distribution of a Financial Service |
|
|
2.8 The Future -- Multi-Function Cards -- Competitive Advantage |
|
|
Chapter III: Stored Value Applications |
|
|
3.0 Introduction |
|
|
3.1 Open Systems |
|
|
3.2 Closed Systems |
|
|
3.3 Stored Value Applications |
|
|
3.4 Networked Goods |
|
|
3.5 Business Applications |
|
|
3.5.1 Payroll Cards |
|
|
3.5.2 An Opportunity for Banks |
|
|
3.5.3 Controlled Spending Accounts |
|
|
3.5.3.1 Government Disbursements |
|
|
3.5.3.2 Insurance Payments |
|
|
3.5.3.3 Prepaid Medical Benefit Programs |
|
|
3.5.3.4 Business Expense Accounts |
|
|
3.5.3.5 Loyalty Programs |
|
|
3.6 Consumer Applications |
|
|
3.6.1 Gift Card/Spending Card/Travel Card |
|
|
3.7 Stored Value vs. Credit Cards -- A Cost Comparison |
|
|
3.7.1 Money Transfers |
|
|
3.8 Evolution of Prepaid from Telephony to Stored Value |
|
|
3.8.1 Another System is Required |
|
|
3.8.2 Groups Served |
|
|
3.9 A Major Win for Consumers |
|
|
CHAPTER IV: Technology and Infrastructure |
|
|
4.0 Introduction |
|
|
4.1 Magnetic Stripe Cards |
|
|
4.2 Smart Cards |
|
|
4.3 Prepaid Point of Sale Activation |
|
|
4.4 Point of Sale Activation Systems |
|
|
4.4.1 Types of POSA Systems |
|
|
4.4.1.1 Customized Systems |
|
|
4.4.1.2 Generic Systems |
|
|
4.4.2 POSA Vendors |
|
|
4.5 ATMs and PIN-based Debit Terminals |
|
|
4.6 Credit Card, Debit Card, and Check Transaction Trends |
|
|
4.7 Emerging Infrastructure |
|
|
4.8 Closed System Cards |
|
|
CHAPTER V: Regulations, Standards and Security |
|
|
5.0 Introduction |
|
|
5.1 USA Patriot Act |
|
|
5.2 Escheat Laws |
|
|
5.3 Payroll Laws |
|
|
5.4 Fraud Prevention |
|
|
CHAPTER VI: Major Players |
|
|
6.0 Overview |
|
|
6.1 Alliance Data Systems |
|
|
6.2 American Express |
|
|
6.2.1 Corporate Defined Expense Program |
|
|
6.3 ATRANA Solutions |
|
|
6.4 Blackstone |
|
|
6.5 Card Express, Inc. |
|
|
6.6 Clarity Payment Solutions |
|
|
6.7 Chockstone |
|
|
6.8 Coinstar |
|
|
6.9 Datamark Technologies |
|
|
6.9.1 CRM Database Management Services |
|
|
6.9.2 E-Gift Stored Value Program |
|
|
6.9.3 Patron Plus Loyalty Program |
|
|
6.10 DataStream |
|
|
6.11 DuoCash |
|
|
6.12 e-CommLink |
|
|
6.13 First Data |
|
|
6.13.1 Value Link |
|
|
6.13.1.1 Clients |
|
|
6.13.1.2 ValueLink Applications |
|
|
6.13.2 Western Union |
|
|
6.13.3 Concord EFS (now merged into First Data) |
|
|
6.14 FSV Payment Systems |
|
|
6.15 GTS Prepaid |
|
|
6.16 Givex |
|
|
6.17 Galileo Processing |
|
|
6.18 ITC Financial Services (ITCFS) |
|
|
6.19 InterMarte |
|
|
6.20 MasterCard International |
|
|
6.21 Metavante Corporation |
|
|
6.22 Morgan Beaumont |
|
|
6.23 Next Estate |
|
|
6.24 NetSpend |
|
|
6.25 Paymentech |
|
|
6.26 PRE Solutions |
|
|
6.27 The Rush Card (issued by UniRush Financial Services) |
|
|
6.28 Q Comm International, Inc. |
|
|
6.29 Radiant Telecom |
|
|
6.30 Size Technologies |
|
|
6.31 Stored Value Marketing |
|
|
6.32 Stored Value Systems SVS -- Comdata |
|
|
6.32.1 Stored Value Systems (SVS) |
|
|
6.33 TSYS Inc. |
|
|
6.34 Wild Card Systems |
|
|
6.35 Vesta Corporation |
|
|
6.36 Visa International |
|
|
6.37 Xenaga |
|
|
CHAPTER VII: Current Market Demographics and Five-Year Forecasts |
|
|
7.0 Assumptions and Methodology |
|
|
7.1 Credit Card Projections |
|
|
7.2 Debit Card Projections |
|
|
7.3 Stored Value Cards |
|
|
7.3.1 Prepaid Debit Cards |
|
|
7.3.2 Gift Cards |
|
|
7.3.3 Convenience/Loyalty Cards |
|
|
7.4 Major Geographic Markets for Prepaid Debit Cards |
|
|
LIST OF TABLES AND FIGURES |
|
|
Tables |
|
|
1.1 ATM Fact Sheet |
|
|
4.1 ATM Fact Sheet |
|
|
7.1 Population of Asian and Hispanic Groups in California -- 2002 |
|
|
7.2 Population of Asian and Hispanic Groups in Florida -- 2002 |
|
|
7.3 Population of Asian and Hispanic Groups in Illinois -- 2002 |
|
|
7.4 Population of Asian and Hispanic Groups in Massachusetts -- 2002 |
|
|
7.5 Population of Asian and Hispanic Groups in New Jersey -- 2002 |
|
|
7.6 Population of Asian and Hispanic Groups in New York -- 2002 |
|
|
7.7 Population of Asian and Hispanic Groups in Ohio -- 2002 |
|
|
7.8 Population of Asian and Hispanic Groups in Texas -- 2002 |
|
|
7.9 Population of Asian and Hispanic Groups in Virginia -- 2002 |
|
|
Figures |
|
|
7.1 Credit Card -- Dollar Volume --- 2003 to 2008 |
|
|
7.2 Number of Credit Card Transactions |
|
|
7.3 Amount of Average Credit Card Transaction |
|
|
7.4 Number of Credit Cards in Circulation |
|
|
7.5 Debit Cards -- Dollar Volume -- 2003 to 2008 |
|
|
7.6 Number of Debit Card Transactions -- 2003 to 2008 |
|
|
7.7 Average Value of Debit Card Transactions -- 2003 to 2008 |
|
|
7.8 Debit Card Transactions -- PIN vs. Signature -- 2003 to 2008 |
|
|
7.9 Debit Card Transactions -- By Percent -- 2003 to 2008 |
|
|
7.10 Number of Debit Cards in Circulation -- 2003 to 2008 |
|
|
7.11 Number of Prepaid Debit Cards Issues -- 2003 to 2008 |
|
|
7.12 Prepaid Debit Card -- Dollar Volume -- 2003 to 2008 |
|
|
7.13 Number of Prepaid Debit Card Transactions -- 2003 to 2008 |
|
|
7.14 Payroll Cards -- Number of Cards in Circulation |
|
|
7.15 Prepaid Debit Card Fee Revenues -- 2003 to 2008 |
|
|
7.16 Gift Cards Dollar Volume -- 2003 to 2008 |
|
|
7.17 Number of Gift Card Transactions -- 2003 to 2008 |
|
|
7.18 Number of Gift Cards Issued -- 2003 to 2008 |
|
|
7.19 Mix of Merchant and Bank Gift Cards -- 2003 to 2008 |
|
|
7.20 Average Value of Gift Card Transactions -- 2003 to 2008 |
|
|
7.21 Convenience Card/Loyalty Dollar Value -- 2003 to 2008 |
|
|
7.22 Convenience Card/Loyalty Card Redemption Transactions -- 2003 to 2008 |
|
|
7.23 Convenience Card/Loyalty Card Issued -- 2003 to 2008 |
|
|
7.24 Average Value of Convenience/Loyalty Card Transactions -- 2003 to 2008 |
|
|
|
