Kevin S. Smith

Concord EFS, Inc. used to provide electronic transaction services. The firm's services included network services, which provided automated teller machine (ATM) processing, debit card processing, deposit risk management, STARsm network access principally for financial institutions; and payment services, which provided point of sale processing, settlement and related services. Concord served to supermarkets, retailers, gas stations, convenience stores, restaurants and trucking companies. The company was located in Memphis, TN.

Pipeline Data, Inc. provides credit card transaction processing services. It provides the general merchant community an integrated suite of merchant payment processing services and related software enabling products. The company delivers credit and debit card-based payments processing solutions to small and mid-sized merchants that operate in physical 'brick and mortar' business environments or over the internet. The company was founded in June 1997 and is headquartered in Alpharetta, GA.