HNC Software Inc., which provides predictive neural network systems to many credit card companies and other lenders, said it has made a minority investment in the Qpass Internet transaction network.

Qpass has been adopted by The Wall Street Journal, Morningstar, PR Newswire, and The Industry Standard, among others, for selling and delivering digital content. Once buyers register with any Qpass-enabled site, they are able to make purchases from any other using standard browser software.

With HNC's strategic investment, the companies are exploring joint product development.

They could produce "a very rich set of predictive merchandising and fraud protection capabilities," said Qpass founder and chief executive officer Chase Franklin. "In integrating HNC's predictive technology with a Webwide network of merchants, we have the opportunity to make Web commerce dramatically more profitable for all participants."

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