Bank technology

ACI Worldwide Inc. reported Thursday that it slipped into the red in the second quarter and its revenue fell sharply, largely because the payment processor landed several major deals in the comparison quarter a year earlier after rolling out new services.

Heartland Payment Systems Inc. has introduced a system that lets its merchant clients reload consumers' prepaid phones using their payment terminals.

U.S. banks that send automated clearing house transactions are called "ODFIs," but in Europe, such companies are known as "debtor agents," and they do not even have to be banks.

Expanding on a bank-branding agreement, reducing vault cash expenses and moving more of its automated teller machines to in-house processing helped Cardtronics Inc. report its first profit Wednesday in several years.

Hypercom Corp. has returned to profitability despite a drop in revenue that it said was related to exchange rates. New customer wins, as well as continued business from clients that have stuck with Hypercom through the economic downturn, helped the Scottsdale, Ariz., terminal maker swing to a second-quarter profit.

S1 Corp. said that it has been able to maintain a strong sales pipeline, bucking its expectations given the rough economy. The Norcross, Ga., banking technology vendor said that any project delays have been one-off incidents, and that its pipeline overall of bank deals "remains strong and growing."

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Heartland Payment Systems Inc. has begun commercial testing of its end-to-end encryption system for card transactions.

File-sharing software on government computers uncovers personal info; users do not need to click to download malware; fake ATM at security pros conference; and more.

It is time to stomp on the gas, get over in the passing lane and take advantage of the opportunity you have to deploy RDC to your customers before your competitor does.

NCR Corp. has begun telling employees at its Dayton, Ohio, facility whether they will be offered jobs at its new headquarters in Duluth, Ga.

The Chinese card network China UnionPay has denied reports that it plans to sell a 10% stake in itself.

Kohlberg Kravis Roberts & Co. may be planning a public offering for its First Data Corp. unit, according to a report in Financial Times.

MoneyGram International Inc. has introduced a money transfer service that wireless carriers can offer to their customers.

The machines have a high-speed, two-way video and audio link to a call center staffed with 14 tellers at the credit union's headquarters.

Tech Market Watch

Consumer spending picked up in the second quarter but remained behind year-earlier levels, according to data from Mint Software Inc.

Foreign exchange rates helped boost second-quarter earnings at Euronet Worldwide Inc.

PNC Financial Services Group Inc. has outsourced the archiving of its automated clearing house payments, a move that makes it easier to search for specific transactions and, potentially, spot fraud.