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Third-Party Processing in North America


Attention: There is an updated edition available for this report.

The 2004 North American Third-Party Processor Market critically and quantitatively assesses the market for data and payment-related transaction outsourcing. The report focuses particularly on outsourced data and payments-related transaction processing in the following key areas: electronic payment processing, payroll processing, and medical claims and other insurance processing. In doing so, the report assesses the use of third party processors across the business sectors that employ it, such as financial services and banking, government, health care, and retail. The report also addresses direct-to-consumer third party processing, particularly as it relates to the Internet, and the development and use of Internet processing applications.

Report Methodology
The information in The 2004 North American Third-Party Processor Market is based on both primary and secondary research. Primary research involved interviews with marketing, public relations and analysts within the financial industry and consultants to the industry. Secondary research entailed data-gathering from relevant trade, business, and government sources, including company literature.

What You’ll Get in this Report
The 2004 North American Third-Party Processor Market identifies and assesses the economic drivers shaping each segment of the industry, as well as the technological innovations and regulatory changes affecting its competitiveness and growth. In addition, the report profiles the market players as well as the market strategies and trends that will help shape its future.


Executive Summary: Third-Party Processor Market

  • Payroll Processing
  • Who Offers Payroll Processing
  • How Prevalent is Payroll Outsourcing?
  • The Payroll Processing Market
    • State of the Industry

  • Table 1: 1997 Payroll Services Summary Data
  • Table 2: Payroll Services: Firms and Employees by Employment Size
    • The Industry Leaders

  • Table 3: ADP Revenue: 1999-2003
  • Table 4: ADP Employer Services Revenue: 2003
  • Table 5: Ceridian Revenue: 1999-2003
  • Industry Barometers
    • Employment Growth and Economic Picture

  • Table 6: Unemployment Rates: Yearly: May 2003 to May 2004 Table 7: Unemployment Rates: Monthly: June 2003 to May 2004
  • Table 8: Paychex: Year-Over-Year Changes In Checks Per Client*
    • Interest Rates

  • Table 9: Federal Funds Rate: 1999-2003
    • Small Business Health

  • Trends
    • Small, Medium, or Large?
    • The Small Business Sector Is Primed For Growth
    • Technology Allows Service To Smaller Companies
    • Payroll Cards
    • The Five-Year Industry Forecast

  • Table 10: Projected Payroll Processing Revenue, 2004-2009

  • Payment Processing
    • Merchant Card Processing
    • The Players
    • Trends
      • Independent Providers
      • Alliances
      • The Economy
      • PIN-Debit Trends
      • Price Compression
      • U.S. Consumers and Electronic Banking: Analysis
      • Use and Users of E-Banking

    • Table 11: Percentage of U.S. Households Using Various Electronic Banking Technologies
    • Merchants, Interchange, and Competition
      • The “Wal-Mart” Suit and Its Aftermath
      • Lower Interchange
      • Increased Competition
      • Check 21
      • Consumers Uninformed of Check 21

    • Market Size and Growth
      • Card Growth

    • Table 12: Card Growth: 1999-2002
    • Market Size and Growth
    • Table 13: U.S. Payment Processing Projected Revenue, 2004-2009

  • Healthcare Transaction Processing
    • The Players
    • Competition
    • Trends
      • High Rates of Increase in Healthcare Costs
      • Increasing Outsourcing by Healthcare Payers
      • Increased Automation of the Healthcare Reimbursement Cycle
      • The Importance of the Internet
      • Legal and Regulatory Framework

    • HIPAA
    • Medical Billing Glitches Spread - HIPAA Fallout
    • Product Offerings Provided by the Healthcare Transaction Processors
      • WebMD
      • ProxyMed
      • Eligibility Verification and Benefit Inquiry
      • Claims and Encounters Submission
      • Claims and Status Inquiry
      • Specialty Care Referral and Pre-certification Request and Inquiry
      • Electronic Remittance Advice (ERA) and Electronic Funds Transfer

    • Market Size and Forecast
    • Growth Forecast
    • Table 14: Projected U.S. Healthcare Transaction Processing Revenue, 2004-2009

  • Payroll Processing Profile: Paychex
    • Small or Large?
    • Table 15: Paychex Market and Client Base Composition by Employee Size
    • Products and Services
    • Clients With Less Than 50 Employees
      • How It Works

    • Clients With More Than 50 Employees
      • How It Works

    • Complementary Products and Services
    • Acquisitions
    • Pending Litigation
    • Revenue, Income, and Growth
    • Major Market Services
    • Paychex Growth Projection

  • Payment Processing Profile: eFunds
    • Company Focus
    • Business Segments
      • Business Process Outsourcing

    • Electronic Payments
    • ATM Solutions
    • Government Services
    • Competition/Marketplace 34
    • The MasterCard Alliance
    • Electronic Payments
    • Growth Outlook

  • Healthcare Transaction Processing Profile: Lason
    • Company Focus
    • Healthcare
    • Merger
    • Revenue and Income

      Chapter 1: Overview of Payroll and Processing

      • How Does Payroll Fit into the Outsourcing Picture?
      • Who Offers Payroll Outsourcing Services? 42
      • PEOs and BPOs
      • The Role of PEOs
      • The Role of BPOs
      • Why Outsource Payroll?
      • But Payroll Outsourcing May Not Solve Everything . . .
      • How to Outsource Efficiently
      • How Prevalent is Payroll Outsourcing?
      • The PMR 2003 Payroll Outsourcing Satisfaction Survey
      • Table 1-1: Organizations That Outsource Payroll Processing, by Number of Employees
      • Table 1-2: Organizations That Outsource Payroll Processing, by Firm Revenues
      • Extent of Outsourcing During the Payroll Process

    • The Payroll Processing Market
      • State of the Industry
      • Census Information 5-Year Comparisons Summary
      • Table 1-3: 1997 Payroll Services Summary Data
      • Table 1-4: Payroll Services Five-Year Growth: 1997-2001
      • 1997 - 2001: Comparing Census Figures
      • Table 1-5: 2001 Payroll Services Summary Data
      • Employment Size Comparisons: 1998 - 2001
      • Table 1-6: Payroll Services: Firms and Employees by Employment Size
      • Table 1-7: 2001 Number of Firms, Number of Establishments, Employment, and Annual Payroll by Employment Size
      • Table 1-8: 2000 Number of Firms, Number of Establishments, Employment, and Annual Payroll by Employment Size
      • Table 1-9: 1999 Number of Firms, Number of Establishments, Employment, and Annual Payroll by Employment Size
      • Table 1-10: 1998 Number of Firms, Number of Establishments, Employment, and Annual Payroll by Employment Size

    • The Industry Leaders
      • The Contenders and Up-and-Comers: Hewitt & Intuit
      • Industry Barometers
        • Employment Growth and Economic Picture
        • Table 1-11: Unemployment Rates: Yearly: May 2003 to May 2004
        • Table 1-12: Unemployment Rates: Monthly: June 2003 to May 2004
        • Jobless Recovery Begins to Add Jobs
        • Table 1-13: Employment by Major Sector: 1999 to 2003
        • Interest Rates
        • Table 1-14: Federal Funds Rate: 1999-2003
        • Table 1-15: Ceridian After-Tax Investment Income: Impact of Hypothetical Net Interest Rate Change
        • Small Business Health
        • Table 1-16: Quarterly Indicators: The Economy and Small Business: 1999 to 2003
        • Table 1-17: Quarterly Indicators: The Economy and Small Business: First Quarter 2004

      • Trends
        • Small, Medium, or Large?
        • Table 1-18: Ceridian Client Targets by Employment Size
        • Table 1-19: Paychex Market and Client Base Composition by Employee Size
        • Small Business Sector Primed for Growth
        • Technology Allows Service to Smaller Companies
        • Small Business Optimism Increases 64
        • Comprehensive Integration of Ancillary Products and Services
        • Internet adaptability
        • Consolidation Boom
        • Payroll Cards
        • Legal/Regulatory Issues
        • Rewards Programs

      • Market Size and Growth Forecast
        • Growth Forecast: Top-Three Players
          • ADP
          • Ceridian
          • Paychex

        • The Five-Year Industry Forecast
        • Table 1-20
        • Projected Payroll Processing Revenue, 2004-2009 ($billions)
        • Canada Market Size
        • ADP Canada
        • Ceridian Canada
        • Table 1-21: Canadian Market Penetration by Two Biggest Players

      Chapter 2: Payroll Profiles

      • Automated Data Processing
        • Broker Services
        • Dealer Services
        • Employer Services
        • Small, Medium, or Large?
        • Tax Services
        • HR Services
        • PEO Services
        • Recent Trends
          • Comprehensive Outsourcing Services (COS)
          • Paperless Payroll Services
          • Payroll-Related Acquisitions

        • ADP Revenue, Income, and Growth
        • Table 2-1: ADP Revenue and Income: 1999-2003
        • Table 2-2: ADP Product Sales: 2003
        • International
        • Table 2-3: ADP International Revenue: 2001-2003
        • ADP Canada
        • Table 2-4: ADP 2003-2004 Revenue and Income Comparison: First Three Months and First Nine Months
        • Growth Forecast

      • Accenture
        • The Accenture HR Services BPO Business Segment
        • Table 2-5: Accenture Revenue and Income
        • Table 2-6: Accenture 2003 Revenues
        • Table 2-7: Accenture 2003 Revenues, by Products
        • Table 2-8: Accenture Revenues, By Sector, Six-Month Segments
        • Table 2-9: Accenture Revenues, By Service, Six-Months Segments,
        • Table 2-10: Accenture Revenues, By World Region, Six-Month Segments
        • Table 2-11: Accenture International Revenues, As A Percentage of Total, 2003-2004
        • Figure 2-1: Accenture International Revenues, by Region, 2004
        • Figure 2-2: Accenture International Revenues, by Region, 2003

      • Adams Keegan, Inc
        .
        • Private Company
        • Revenue

      • Administaff, Inc.
        • Expense Control
        • Revenue Generation
        • Growth Strategy
        • Trends
        • Clients
        • Table 2-12: Administaff Income, Revenue and Employees, 1999-2003
        • 2003 Revenue: Geographical Distribution
        • Table 2-13: 2003 Administaff Revenue: Geographical Distribution

      • Affiliated Computer Services, Inc.
        • The BPO-HR-Payroll Connection
        • Table 2-14: ACS Income, Revenue, and Growth, 1999-2003
        • Table 2-15: ACS 2003 Revenue, by Customer
        • Table 2-16: ACS 2003 Revenue, by Service

      • Barrett Business Services, Inc.
        • Clients
        • Acquisitions
        • Revenue
        • Table 2-17: Barrett Income and Revenue, 1999-2003

      • Ceridian Corporation
        • Comdata
        • Human Resource Solutions
        • Small, Medium, or Large?
        • Table 2-18
        • New Service Offerings
          • Smaller Companies
          • Corporate and Enterprise Clients

        • Payroll-related acquisitions
        • Revenue, Income, and Growth
        • Table 2-19: Ceridian Revenue, Income and Employee Count, 1999-2003
        • Growth in Orders and Customers in 2002 and 2003
        • Table 2-20: Ceridian Segment Comparisons 2003 and 2002
        • Table 2-21: Ceridian Segment Comparisons 2002 and 2001
        • Quarterly Results: Q1 2004
        • Table 2-22: Ceridian Revenue/Earnings, For Periods Ended March 31, 2004
        • Table 2-23: Ceridian Segment Revenue, For Periods Ended March 31, 2004
        • Ceridian International Operations
        • Table 2-24: Ceridian Revenue by Segment: International, 2001-2003
        • Ceridian Canada Revenue, Q1 2004
        • Growth

      • Electronic Data Systems Corporation
        • Table 2-25: Ceridian Income, Revenue, and Employee Count, 1999-2003
        • International Presence
        • Table 2-26: EDS Global Revenue, 2003
        • Figure 2-3: Ceridian 2003 Sales, By World Region
        • Table 2-27: EDS Revenue by Product, 2003

      • Fiserv, Inc.
        • Relevant Product Developments
        • Table 2-28: Fiserv Revenue, Income and Employee Count, 1999-2003

      • Hewitt Associates, Inc.
        • HR, Payroll, and Workforce Management Outsourcing
        • Payroll Services: From Bit Player to Major Player in One Year
        • Table 2-29: Exult Income and Revenue, 2001-2003
        • Acquisitions
        • Revenue, Income, and Growth
        • Table 2-30: Hewitt Revenue, 1999-2003
        • Table 2-31: Hewitt Revenue, By Business Segment, 2001-2003
        • Table 2-32: Hewitt International Revenue, 2001-2003
        • Table 2-33: Hewitt Quarterly Revenues (3 months and 6 months), 2003-2004
        • Growth

      • RSM McGladrey
        • Revenue

      • IBM Corporation
        • Human Resources Outsourcing: Further Detail
        • Revenue, Income, and Growth
        • Results of Continuing Operations
        • Table 2-34: IBM Revenue, by Presentation, 2002-2003
        • Table 2-35: IBM Revenue, by Industry Sector, 2002-2003
        • Table 2-36: IBM Revenue, by Region, 2002-2003
        • Table 2-37 IBM Revenue, by Segment and Percentage of Company Total, 2002-2003
        • Table 2-38: IBM Global Services Revenue, by Segment, 2002-2003

      • Intuit
        • Clients
        • Payroll Focus
        • Payroll-Related Acquisitions
        • Challenges
        • Recent Developments
          • A Payroll Rewards Program . . .
          • Rewards for Accountants

        • Table 2-39: Intuit Revenue, Income and Employees: 1999-2003
        • Table 2-40: 2003 Intuit Product Sales
        • The Small Business Products and Services Segment
          • Revenue Trends: First Nine Months of 2004
          • Revenue Trends: 2003
          • Revenue Trends: 2002

        • Growth

      • Jackson Hewitt Tax Service
        • Alliance with ADP
        • Alliance with Intuit
        • Table 2-41: Jackson Hewitt Revenue and Income: 2001-2004

      • Kelly Services
        • Table 2-42: Kelly Revenue, Income and Employee Count, 1999-2004
        • Table 2-43: Kelly 2003 Sales, By Products

      • New England Business Service
        • Payroll Processing
        • Paychex
          • Small or Large?
          • Table 2-44: Market and Paychex Client Base Composition by Employee Size
          • Products and Services
          • Clients with Fewer Than 50 Employees
          • Clients with More Than 50 Employees
          • Complementary Products and Services
          • Acquisitions
          • Pending Litigation
          • Revenue, Income, and Growth
          • Table 2-45: Paychex Revenue, Income and Employee Count: 1999-2003
          • Table 2-46: 2003 Paychex Revenue by Segment
          • Table 2-47: Paychex Revenue by Segment: Three-Year Comparison
          • Table 2-48: Paychex Year-over-Year Changes in Checks Per Client
          • Major Market Services
          • Recent Quarterly Growth
          • Table 2-49: Paychex Revenue by Segment: Third Quarter Comparison. 2003/2004
          • Major Market Services
          • Paychex Growth Projection

        • Payroll 1
          • Revenue

        • SOURCECORP
          • Information Management and Distribution
          • Healthcare, Regulatory and Legal Compliance
          • Acquisitions
          • Revenue, Income, and Growth
          • Table 2-50: SOURCECORP Revenue, 2001-2003 Year Ended December 31, 2003
          • Growth

        • TALX Corp
          .
          • Fees
          • Clients
          • Strategic Marketing Alliances
          • Legal Issues
          • Revenue, Income, and Growth (Yrs. End. Mar. 31)
          • Table 2-51: TALX Revenue and Income: 2002-2004
          • Table 2-52: TALX Statement of Earnings Data
          • Table 2-53: Percentage of Total Revenues
          • Quarterly Summary
          • Growth

        • Unisys Corporation
          • Business Process Outsourcing
          • Clients
          • Table 2-54: Unisys Revenue and Income, 1999-2003 158
          • Table 2-55: Unisys 2003 Sales, By Region
          • Figure 2-4: Percentage of Unisys Sales, by Region
          • Table 2-56
          • Unisys 2003 Revenue by Service
          • Table 2-57: Unisys 2003 Revenue and Properties by Geography

      Chapter 3: Payment Processing

      • Why Outsourcing?
      • Industry Overview
      • Payment Processing Service Providers
      • Merchant Card Processing
      • Merchant Processing - How It Works
      • The Players
        • Number of Transactions by Company
        • Independent Providers
        • Alliances
        • Increased Support Services
        • Growth Opportunities
        • Chip Technology Allows for Added Features
        • Table 3-1: U.S. Consumers' Concerns Over Online & Offline Card Fraud
        • Network Expansion
        • VISA Threat
        • The Economy
        • PIN-Debit Trends
        • PIN Debit
        • Price Compression
        • Internet Usage
        • Combined Debit and Credit Processing
        • Financial Institution Capital Improvements
        • Emerging Technology
        • Consolidation
        • International Expansion
        • U.S. Consumers and Electronic Banking: Analysis
        • Use and Users of E-Banking
        • Table 3-1: Percentage of U.S. Households Using Various Electronic Banking Technologies
        • Debit Cards
        • Table 3-2: Demographic Characteristics of Users and Non-Users of Debit Cards
        • Consumer Perceptions and Use of E-Banking
        • Table 3-3: Consumers’ Perceptions of Electronic Banking, 1999 and 2003
        • Use of Electronic Banking Technologies by Perception Level Index
        • Table 3-4: Percentage of U.S. households that use various electronic banking technologies, by perception index level, 1999 and 2003
        • 2003/2004 Study of Consumer Payment Preferences
        • Table 3-5: How Consumers Make In-Store Payments
        • Table 3-6: Use of Automatic Payment and Online Bill Payment
        • Electronic Payment Growth
        • Table 3-7: Consumer Payments Mix In The U.S., 2002 - 2007
        • Table 3-8: U.S. Credit and Debit Transactions, 2000 - 2003
        • Debit Outpaces Credit
        • Table 3-9: Global Visa Debit and Credit Card Volume
        • Debit Marketing Mimics Credit Marketing
        • Consumer Preference for PIN
        • Table 3-10: US Merchants With/Without PIN Pads
        • Table 3-11: Responses from major retailers asked why they would replace their POS equipment
        • PIN and Signature Convergence

      • Growth Trends
        • Use of EFT Networks to Spur Growth
        • Table 3-12: Merchants, Interchange, and Competition
        • The “Wal-Mart” Suit and Its Aftermath
        • To What Did the Associations Agree?
        • Lower Interchange
        • Increased Competition
        • Check 21
        • Consumers Uninformed of Check 21
        • Benefits of Check 21
        • Fraud Protection
        • Image Technology Considerations
        • Increased Efficiency
        • Note to Banks: 10 Ways to Build Payments Businesses in 2004

      • Legal Issues
        • First Data—Visa U.S.A. Inc. Litigation
        • Legal and Regulatory Information
        • Consumer Electronic Payments
        • Role of the Federal Reserve
        • Financial intermediaries that provide payment services
        • Other Government Regulation Issues

      • Market Size and Growth Forecast
        • 2003 Company Growth Trends: A Snapshot
        • ADSI
        • Table 3-13: ADSI Revenue: 2001 - 2003
        • Table 3-14: ADSI Key Metrics: 1999-2003
        • Certegy
        • Table 3-15: Certegy Merchant Services Revenue: 2001-2003
        • eFunds
        • Table 3-16: eFunds Electronic Payments Revenue: 2001-2003
        • Table 3-17: eFunds Electronic Payments 2003-2004 Quarterly Comparison (three months ended March 31)
        • First Data
        • Table 3-18: FDC Merchant Services Revenue: 2002-2003
        • Table 3-19: FCD Dollar Volume and Transaction Growth Trends
        • Global Payments
        • Table 3-20: Global Payments Revenue From Merchant Services, 2001-2003
        • Fiserv
        • TSYS
        • Table 3-21: TSYS Revenue and Income: 1999-2003
        • Electronic Payment Growth
        • Table 3-22: Consumer Payments Mix In The US, 2002 - 2007
        • Card Growth
        • Table 3-23: Card Growth: 1999-2002
        • Table 3-24: Total Cards: Percent Increase in Number of Transactions
        • Transaction Growth
        • Table 3-25: Projected Transaction Growth: 2003-2009
        • Market Size
        • Table 3-26: Projected Payment Processing Revenue: 2004-2009

      • Canadian Market
        • The “Big Two”
        • Debit Cards
        • Credit Cards
        • Processing a Transaction and Merchant Funding: U.S. v. Canada
        • Merchant Funding
        • Legal and Regulatory Framework
        • The Canadian Payments Act (CP Act)
        • The Payment Clearing and Settlement Act (PCSA)
        • The Bank of Canada Act (BoC Act)
        • Acts Governing Exchange
        • Federal and Provincial Financial Institutions Statutes
        • The Code of Practice for Consumer Debit Card Services (the Code)
        • Market Size
        • Table 3-27: Canadian Card Transaction Growth: 2000-2003
        • Table 3-28: Projected Transaction Growth: 2004-2009
        • Market Size
        • Table 3-28: Projected Canadian Payment Processing Revenue: 2004-2009

      Chapter 4: Payment Profiles

      • Alliance Data Systems, Inc.
        • Company Focus
        • Business Segments
        • Table 4-1: ADSI Business Segments
        • Transaction Services
          • Issuer Services
          • Utility Services
          • Merchant Services
          • Revenue Generation
          • Merchant Services Features: In Detail
          • Credit Services
          • Table 4-2: ADSI Acquisitions, 2001-2003
          • Revenue
          • 2003
          • Table 4-3: ADSI Revenue and Income: 1999 - 2003
          • Table 4-4: ADSI Key Metrics: 1999 - 2003
            • Transaction Services
            • Credit Services

          • Marketing Services
          • Table 4-5: ADSI Key Metrics, by Services: 2003
          • Table 4-6: ADSI Key Metrics: 2002
          • Quarterly Results: First Quarter 2004
          • Transaction Services
          • Credit Services
          • Table 4-7: ADSI Revenue and Data, Q1 2003 Compared to Q1 2004
          • Growth Outlook

        • Certegy Inc.
          • Company Focus
          • Products and Services
            • Card Services
            • Card Services Features: In Detail
            • Credit Card Processing
            • Debit Card Processing
            • Authorization Services
            • ATM And Network Support
            • Risk Management
            • Merchant Credit Card Services
            • Card Processing Software
            • E-Banking Services
            • Check Services
            • Global Services

          • Acquisitions
          • Revenue and Growth
          • Table 4-8: Certegy Revenue and Income: 1999-2003
          • Table 4-9: Certegy Segment Revenue: 2001-2003
          • International Business
          • Table 4-10: Certegy International Revenue: 2001-2003
          • Card Services
          • Check Services
          • First Quarter 2004 241
          • Card Services
          • Table 4-11: Certegy 2003-2004 Quarterly Comparison
          • Growth Outlook

        • CheckFree Corporation
          • Company Focus
          • e-Commerce Solutions
          • Client Base
          • Revenue
          • Table 4-12: CheckFree Revenue and Income: 1999-2003
          • Table 4-13: CheckFree 2003 Revenue by Segment

        • eFunds Corporation
          • Company Focus
          • Business Segments
            • Business Process Outsourcing
            • Financial institutions
            • Financial services companies
            • Retail
            • e-commerce
            • Government
            • Networks

          • Electronic Payments
          • ATM Solutions
          • Government Services
          • Competition/Marketplace
          • The MasterCard Alliance
          • Revenues
          • Table 4-14: eFunds Revenue and Income: 1999-2003
          • Table 4-15: eFunds Revenue by Segment: 2001-2003
          • Electronic Payments
          • Table 4-16: eFunds International Revenue: 2001-2003 (in million $)
          • Quarterly Information
          • Table 4-17: eFunds 2003-2004 Quarterly Comparison
          • Growth Outlook

        • Euronet Worldwide, Inc.
          • Company Focus
          • Products
          • Card Solutions
          • Internet and telephone solutions
          • Mobile Solutions
          • POS Solutions
          • Subsidiaries
          • Table 4-18: Euronet Quarterly Revenue and Operating Income Q1 2004 vs. Q1 2003.

        • Fifth Third Processing Solutions
          • Company Focus
          • Products
          • Fifth Third Direct
          • Revenue

        • First Data Corporation
          • Business Segments
          • Payment Services
          • Card Issuing Services
          • International
          • Geographic Mix and Revenues
          • Card Processing Software
          • Other Card Issuing Services
          • Card Issuing Services Backlog
          • Card Issuing Services Significant Customers
          • Merchant Services
          • Merchant Acquiring
          • Check Verification and Guarantee Services
          • FDMS
          • FDMS Alliances
          • International
          • Emerging Payments
          • Cards on File
          • Client Shifts
          • Effects of Consolidation
          • Acquisitions and Sales
          • The Concord Merger
          • 2003 Activity
          • Other Legal
          • VISA U.S.A. Inc. Litigation
          • Revenue and Income: Segment Modification
          • Overall Revenue
          • Table 4-19: FDC Revenue and Income: 1999-2003
          • Table 4-20: FDC Revenue: 2002-2003
          • Merchant Services: Transaction and Processing Revenue
          • Table 4-21: FDC Merchant Services Revenue: 2002-2003
          • Table 4-22: FDC North America Merchant Dollar Volume/Transactions, 2001-2003
          • Card Services: Transaction and Processing Revenue
          • Table 4-23: FDC Card Issuing Service Revenue and Metrics: 2002-2003
          • Table 4-24: FDC Card Issuing Services Growth: 2001-2003
          • Quarterly Results
          • Table 4-25: FDC First Quarter 2004 Results by Segment
          • Merchant Services Transaction and Processing Service Fee Revenue
          • Card Issuing Services Transaction and Processing Service Fee Fevenue
          • Table 4-26: FDC Accounts on File: Quarterly Comparison

        • Fiserv, Inc.
          • Company Focus
          • Products
            • Bank and Thrift Core Products
            • Credit Union Core Products
            • Complementary Or Add-On Products

          • Acquisitions
          • Revenue
          • Table 4-27: Fiserv Revenue and Income, 1999-2003
          • Processing and Services Revenue
          • Quarterly Review: Processing and Services Revenues

        • Global Payments Inc.
          • Company Focus
          • A Mid-Market Focus
          • Business Segments
            • Check Guarantee Services
            • Check Verification and Recovery Services
            • Funds Transfer

          • New Products
          • Competition
          • Acquisitions
          • Revenues
          • Table 4-28: Global Payments Revenue and Income: 1999-2003*
          • Table 4-29: Global Revenue by Service Offering, 2001-2003
          • Table 4-30: Global’s International Revenue: 2001-2003
          • Quarterly Data: Merchant Services
          • Growth

        • National Processing, Inc.
          • Merchant Card Services
          • Payment Services
          • Acquisitions
          • Acquisition by Bank of America
          • NPC Revenue and Income
          • Table 4-31: Revenue and Income: 2001 - 2003
          • Merchant Card Services
          • Payment Services
          • Recent Quarterly Analysis
          • Merchant Card Services
          • Payment Services

        • Total System Services, Inc.
          • Company Focus
          • Products
            • Commercial Card Processing
            • Debit Card
            • Retail Gift Card
            • Smart Card Services
            • Stored Value Card
            • Value-Added Products

          • Merchant Services
          • e-Commerce
          • Loyalty and Rewards
          • Recovery Management
          • Output Services
          • Client Relationships
            • Relationship with Bank One and J.P. Morgan Win
            • Circuit City Stores, Inc.
            • Sears
            • Largest Clients
            • Bank of America
            • International
            • Revenue

          • Table 4-32: TSYS Revenue and Income: 1999-2003
            • International
            • Vital Processing Services L.L.C.

          • Electronic Payment Revenues
          • Table 4-33: TSYS Electronic Payment Processing Services Revenues: 1999-2003
          • Market Share
          • First Quarter 2004
          • Table 4-34: TSYS First Quarter Comparison: 2003 and 2004
          • Table 4-35: TSYS Quarterly International Revenue Comparison, 2003 and 2004
          • Table 4-36: Accounts on File (AOF) Data
          • Outlook for 2004 and 2005

      Chapter 5: Healthcare Transaction Processing

      • Health Care Transaction Processing
      • The Players
      • Competition
      • Key Trends
      • P2P Link Forecasts Surge in Electronic Medical Invoices
      • High Rates of Increase in Healthcare Costs
      • Cost-Shifting by Employers to their Employees and Changes in Plan Design
      • Increasing Outsourcing by Healthcare Payers
      • Increased Use of Information Technology for Clinical Purposes
      • Increased Automation of the Healthcare Reimbursement Cycle
      • The Importance of the Internet
      • Increased Physician, Consumer Use of the Internet
      • Growth Spurred by Increasing Use of Technology

    • Industry Risks
      • Reliance on EDI Technology
      • Pricing Fears and Consolidation
      • Importance of Cross-Selling
      • Electronic Processing of Clinical Transactions Still in Early Stage
      • Legal and Regulatory Framework
      • HIPAA
      • Privacy Compliance
      • Transaction and Code Sets Compliance
      • Security Compliance
      • Identifiers and Future HIPAA Regulations
      • HIPAA Implementation Challenges
      • Other Regulation of Transaction Services
      • Internet Privacy and Regulation
      • Patient/Consumer Protection Initiatives
      • Medicare
      • Medical Billing Glitches Spread - HIPAA Fallout
      • Problem Extends to WebMD

    • Third Party Administrators
      • Product Offerings Provided by the “Big Three”
      • WebMD
      • ProxyMed
      • NDCHealth

    • Market Size and Forecast
      • Table 5-1: WebMD Transaction Services Revenue: 2001-2003
      • Table 5-2: WebMD Transaction Services Organic Revenue Growth*: 2002-2003
      • ProxyMed
      • Table 5-3: ProxyMed Net Revenue, By Segments
      • NDCHealth
      • Table 5-4: NDCHealth Total Revenue, Income and Revenue by Segment: 2000-2004
      • Table 5-5: NDCHealth Total Revenue, Income and Revenue by Segment with % Change
      • Table 5-6: Combined Transaction Processing 2003 Revenue
      • Table 5-7: Combined Transactions and Market Share
      • Table 5-8: Healthcare Transaction Processing Market Size: 2003
      • Growth Forecast
      • Table 5-9: U.S. Healthcare Transaction Processing Revenue: Five-Year Forecast

      Chapter 6: Healthcare Profiles

      • AIG Claim Services, Inc.
        • Company Focus
        • Workers’ Compensation Claims Management
        • Risk Management Information Services
        • Property and Casualty Claims Management
        • AIG Early Notice
        • Parent Company
        • Revenue

      • Avisena, Inc.
        • Company Focus
        • Avisena Practice Manager
        • Avisena Document Manager
        • Avisena Consulting Services
        • Revenue

      • Claim Management Services, Inc.
        • Company Focus

      • GTESS Corporation
        • Company Focus
        • Technology
        • Strategic Alliance
        • Revenue

      Chapter 6: Healthcare Profiles

      • HealthLink, Inc.
        • Company Focus
        • Administrative Services
        • Other Offices
        • Corporate History

      • Lason, Inc
        .
        • Company Focus
        • Healthcare
        • Merger
        • Revenue and Income

      • Medical Transcription Billing, Corp.
        • Company Focus
        • Revenue and Income

      • Omni Medical Holdings, Inc.
        • Company Focus
        • Acquisition
        • Revenue

      • P2P Link
        • Company Focus

      • Pilgrim
        • Company Focus
        • Insurance Companies
        • Self-insureds
        • Revenue

      • ProMedical LLC
        • Company Focus

      • STAT Medical Consulting, Inc.
        • Company Focus
        • Consulting Services

      • The SSI Group, Inc.
        • Company Focus
        • Claims Volume
        • WebMD
          • Revenue

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