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TABLE OF CONTENTS |
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| CHAPTER 1: Executive Summary | |
| CHAPTER 2: Overview of the Stored Value Ecosystem | |
| 2.0 Introduction and Scope of Report | |
| 2.1 Definitions and a Brief History | |
| 2.2 The Continuing Evolution of Uses for Stored Value Cards | |
| 2.3 Four Party Payment System | |
| 2.3.1 Authorization | |
| 2.3.2 Clearing and Settlement | |
| 2.4 Interchange Fees | |
| 2.4.1 Recent (June 2006) Court Decision on Visa Fee | |
| 2.5 The Paradigm Shift Enabled By Mobile Payments | |
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2.5.1 Symbiosis Between Stored Value and Mobile Payments |
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| 2.6 Stored Value -- Background on Fees | |
| 2.7 A Maturing Market -- The Situation Today | |
| 2.8 Gift Cards | |
| 2.9 Emerging Competitor Offerings | |
| 2.9.1 Automated Clearing House -- Based Debit Payments | |
| 2.9.2 Online Payments Pilot Using ACH | |
| 2.9.3 Major Corporation Entry -- ADP, Wal-Mart | |
| 2.10 Stored Value Distribution Business Model | |
| 2.11 Loading Networks | |
| 2.12 The Consumer Value Proposition | |
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2.13 The Corporate Value Proposition |
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| CHAPTER 3: Stored Value Applications | |
| 3.0 Introduction | |
| 3.1 Open Systems | |
| 3.2 Closed Systems | |
| 3.3 Unique Dimension of Stored Value | |
| 3.4 Network Product | |
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3.5 Smart Cards |
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| 3.6 Consumer Applications for Open System Cards | |
| 3.6.1 General Spending (Prepaid Debit Cards) | |
| 3.6.2 Travel Cards | |
| 3.6.3 Money Transfers | |
| 3.6.4 Incentive and Promotion | |
| 3.7 Evolution of Prepaid from Telephony to Stored Value | |
| 3.8 m-Wallets | |
| 3.9 Business Applications for Open System Cards | |
| 3.9.1 Payroll Cards | |
| 3.9.2 Payroll Cards: A Growth Opportunity for Banks | |
| 3.9.3 Controlled Spending Accounts | |
| 3.9.3.1 Insurance Payments | |
| 3.9.3.2 Flexible Spending and Health Savings Accounts | |
| 3.9.3.3 Business Expense Accounts | |
| 3.9.4 Loyalty Programs | |
| 3.9.5 Vending | |
| 3.10 Government Applications for Open System Cards | |
| 3.10.1 Food Stamps | |
| 3.10.2 Court Mandated Payments | |
| 3.10.3 Other Disbursements | |
| 3.10.4 Transit Systems and Parking | |
| 3.11 Not-For-Profit Applications | |
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3.12 Multi-Function Cards -- Competitive Advantage and Possibilities |
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| CHAPTER 4: Technology and Infrastructure | |
| 4.0 Introduction | |
| 4.1 Magnetic Stripe Cards | |
| 4.2 Origin of Prepaid Point of Sale Activation | |
| 4.3 Point of Sale Activation Systems (POSA) | |
| 4.3.1 Types of POSA | |
| 4.4 Loading Networks | |
| 4.5 Credit Card, Debit Card, and Check Transaction Trends | |
| 4.6 In-House Processing vs Processing Services | |
| Table: | |
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| CHAPTER 5: Regulatory and Security | |
| 5.0 Introduction | |
| 5.1 USA Patriot Act | |
| 5.2 Escheat Laws | |
| 5.3 Payroll Laws | |
| 5.4 Fraud Prevention | |
| 5.5 Potential for Money Laundering | |
| 5.6 Consumer Protections | |
| CHAPTER 6: Major Players | |
| 6.0 Introduction | |
| 6.1 American Express | |
| 6.1.1 American Express Incentive Services (AEIS) | |
| 6.2 Blackstone | |
| 6.3 Chase Paymentech Solutions | |
| 6.4 Checkfree | |
| 6.5 Chockstone | |
| 6.6 Coinstar | |
| 6.7 Discover Financial Services | |
| 6.8 eCommLink | |
| 6.9 EFD eFunds | |
| 6.10 Emida (Debisys, Q Comm) | |
| 6.11 First Data | |
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6.12 Fiserv |
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| 6.13 FSV Payment Systems | |
| 6.14 Galileo Processing | |
| 6.15 Global Pay Solutions Incorporated (GPSI) | |
| 6.16 Green Dot Network (formerly Next Estate Communications) | |
| 6.17 i2c Inc. | |
| 6.18 ikobo | |
| 6.19 InComm | |
| 6.20 MasterCard Worldwide | |
| 6.21 Metavante | |
| 6.22 MoneyGram International | |
| 6.22 NetSpend | |
| 6.24 nFinanSe (formerly Morgan Beaumont) | |
| 6.25 Ta'Facil Corporation | |
| 6.26 Tempo Payments | |
| 6.27 Visa International | |
| 6.28 Western Union | |
| CHAPTER 7: Market Forecasts | |
| 7.0 Introduction | |
| 7.1 Cards -- Current Credit and Debit Markets | |
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7.2 Credit Card Projections |
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| 7.3 Debit Card Projections | |
| 7.3.1 Online/Offline | |
| 7.4 Stored Value Cards | |
| 7.4.1 Prepaid Debit Cards | |
| 7.4.1.1 Government Programs | |
| 7.4.1.2 Payroll Cards | |
| 7.4.1.3 Medical Health and Flexible Spending Accounts | |
| 7.4.1.4 General Spending Cards -- Open Loop | |
| 7.5.1.5 Gift Cards -- Open Loop | |
| 7.5.1.6 Gift Cards -- Closed Loop | |
| Figure: | |
| 7.1 Credit Cards -- Dollar Volume -- 2006 to 2011 | |
| 7.2 Debit Cards -- Dollar Volume -- 2006 to 2011 | |
| 7.3 Number of Debit Card Transactions -- 2006 to 2011 | |
| 7.4 Average Value of Debit Card Transactions -- 2006 to 2011 | |
| 7.5 Debit Card Transactions -- PIN vs. Signature -- 2006 to 2011 | |
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7.6 Prepaid Debit Cards -- Dollar Volume --2006 to 2011 |
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| 7.7 Open Loop Prepaid Debit Cards -- Dollar Volume -- 2006 to 2011 | |
| 7.8 Number of Open Loop Debit Cards Issued -- 2006 to 2011 | |
| 7.9 Government Prepaid Debit Cards -- Dollar Volume -- 2006 to 2011 | |
| 7.10 Number of Government Prepaid Debit Cards Issued -- 2006 to 2011 | |
| 7.11 Payroll and Benefit Cards -- Dollar Volume -- 2006 to 2011 | |
| 7.12 Number of Payroll and Benefit Cards Issued -- 2006 to 2011 | |
| 7.13 Medical and FSA Cards -- Dollar Volume -- 2006 to 2011 | |
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7.14 Number of Medical and FSA Cards Issued -- 2006 to 2011 |
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| 7.15 General Spending Cards -- Dollar Volume -- 2006 to 2011 | |
| 7.16 Number of General Spending Cards -- 2006 to 2011 | |
| 7.17 Open Loop Gift Cards -- Dollar Volume -- 2006 to 2011 | |
| 7.18 Number of Open Loop Gift Cards Issued -- 2006 to 2011 | |
| 7.19 Closed Loop Gift Cards -- Dollar Volume -- 2006 to 2011 | |
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