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Biography Dr. Donald C. Arthur from Mainline Health Care 2007

 Donald C. Arthur, MD, who recently retired as a Vice Admiral in the United States Navy, joined Main Line Health as Senior Vice President and Chief Medical Officer on November 5. Dr. Arthur comes to Main Line Heath following a 33-year distinguished military career. He most recently served as Surgeon General of the Navy and Chief, Navy Bureau of Medicine and Surgery.

At Main Line Health, Dr. Arthur will work with the non-profit health system's medical and clinical staff to further improve quality and patient safety initiatives for its acute care hospitals of Bryn Mawr, Lankenau, Paoli and Riddle, the Bryn Mawr Rehabilitation Hospital, and the Main Line Health Centers.   

During his naval career, Dr. Arthur was CEO of two Navy Hospitals, including the National Naval Medical Center in Bethesda. His medical experience also includes board certification in Emergency Medicine and Aerospace/Preventive Medicine. He has been a director of Graduate Medical Education, conducted and supervised worldwide research, and is widely published. During Desert Storm, he experienced combat in support of the Marine Corps. As Surgeon General, he was responsible for medical and dental services for more than 700,000 active duty service members, and 2.6 million retirees and family members in 30 military treatment facilities, including major medical and teaching hospitals.

Dr. Arthur has received numerous awards and medals, including two Distinguished Service Medals and the American College of Healthcare Executives' Federal Excellence in Healthcare Leadership Award. He is past president of the Association of Military Surgeons, the Aerospace Medical Association, and the Society of U.S. Naval Fight Surgeons and is a member of the Alpha Omega Alpha Honor Medical Society.

Dr. Arthur earned his medical degree from the College of Medicine and Dentistry in Newark, NJ; served his surgical internship at Bethesda's National Naval Medical Center, and completed his Emergency Medicine Residency at the Naval Hospital in San Diego. He received his undergraduate degree from Northeastern University, Boston, MA.

Published: 11-05-2007

Frieda Schmidt
Media Relations
Main Line Health
484-337-8298

Maximize Your Sales and Revenues with Modern Transaction Equipments by Josef Toth

As a merchant, you always look for the easiest ways to maximize your sales and revenues. You need to attract as much customers as possible towards your shop or business establishments. There are several ways of attracting customers like advertizing your business, products, or services. Aggressive online and offline marketing also helps in getting fresh set of customers every day.

However, there are some other unexplored ways of increasing your revenues. You can adopt modern transaction equipments like Cashless ATM, Credit Card Processing Systems, Gift Cards, and Touch and Buy services. You can have dual benefits of adopting these new age equipments. Your customers can enjoy their shopping and other services being provided by you without any waiting and you can earn additional revenues on each transaction made by your customers.

Nowadays, people tend to carry less cash along with them due to inconvenience and security reasons attached with more cash. They prefer carrying plastic money (Credit Cards or Debit Cards) with them while on shopping or outdoor tours. It is a safer as well as more convenient option of shopping for customers. A majority of modern customers have similar tendency for shopping. That means if you do not want to lose your revenues and sales then you should keep yourself ready to serve these customers. For that, you need to adopt modern equipments for banking and transaction processing. After their implementation, you will be able to attract more and more customers to your stores with hassle free payments systems.

There are several companies providing different types of cashless equipments (Cashless ATM, Credit Card Processing Systems, Gift Cards, and Touch and Buy services). You can contact them and ensure installation of any of the above-described equipments in your store. These equipments accept Visa, MasterCard, American Express, Discover, JCB, debit cards, Gift and loyalty Cards, and Electronic Benefits Transfer (EBT) transactions.

You can enjoy following benefits after adopting these service:
1. Increase sales, store traffic, and average purchase by every customers,
2. Earn money of every transaction made by your customers,
3. No need for any human cashier thus a cost-cutting alternative for you,

These are just glimpses of benefits. Once you implement cashless ATM's or other transaction equipments in your business. You will start experiencing several other benefits increasing your overall revenue and profits.

Please also check out the new book by Josef Toth, ATMs for Amateurs.

Cashless Scrip ATM - A Smart Way of Making Payments by Josef Toth

We all live in digital age. If we look back to the time, people had to carry cash with them whenever they used to go for shopping. Problem used to arise, when there was the need of big amount for heavy shopping. Therefore, ATM cards came into picture, but again cash ATM's were not easily accessible everywhere. However, introduction of cashless ATM's resolved the issue completely.

Cashless ATM's have made shopping fun rather than hassle. Cashless scrip ATM's are now used everywhere, be it any department store, beauty saloon, branded clothing, accessories or footwear showroom, multiplex, food chain, hotel or gas station. Moreover, nowadays cash payment system has been automated at parking lots and toll taxes also and people have an option to pay by using their ATM cards. Overall, cashless scrip ATM's have simplified the process of making payments.

Not only shoppers, but using cashless ATM's benefits the merchants also. Both shoppers and merchants enjoy different kinds of advantages by using cashless ATM's.

Advantages for Shoppers-

1- First and foremost advantage of making payments through cashless ATM's is the safety measures associated with it. Cashless ATM's do not contain or tie-up your cash.
2- As compared to credit cards, cashless ATM's reduce the processing fee; however, sometimes the processing fee gets eliminated also.
3- It helps to reduce the excessive expenditure as through ATM cards only a fixed required amount is paid whereas with credit cards, consumers are always tend to overspend.
4- Shopping with cashless ATM's make the payments simpler as it does not ask for anything else except your ATM card. Moreover, you receive a printed statement then and there which is acceptable in bank.

Advantages for Merchants-

1- To receive payments through cashless ATM's is an easy task, as cashless scrip ATM is user-friendly and one can operate it comfortably.
2- Being a merchant you can increase your profit by thousands of dollars, just by using cashless scrip ATM.
3- Programming can be set for choosing an increment of $10 to $20 for each cashless transaction.
4- As compared to conventional credit card processing machines, you can save extra processing fee and can process transaction at no extra cost caused to business.

Being aware of these benefits, who would not prefer to opt for cashless ATM's system? Nowadays every smart merchant and consumer is getting benefited with it. By offering dual benefits, cashless ATM's neither disappointed consumers nor merchants.

Please also check out the new book by Josef Toth, ATMs for Amateurs. 

Transformation of Banking and Transaction Systems by Josef Toth

There was a time when the whole banking and commerce operations were manual. It was a tedious task for people working in Banks and large departmental stores to manage heavy transaction volumes. But, gone are the days when people used to spend most of their time in the queue at banks and departmental stores while withdrawing their salary or purchasing monthly grocery.

Now the computerization and web integration of almost every banks and financial institutions have turned the whole way of banking and commerce. Due to this transformation, the hassles of being in queue during salary days and monthly grocery shopping are over. The benefits of transformation in banking and commerce are not limited to only reducing long queues only.

The introduction of latest payments methods like credit cards, ATM cards, and other forms of automatic payments are some added benefits of banking automation. After advent of internet, the process became more flexible and convenient for customers as well as service providers. Now people don't need to visit their banks again and again for withdrawing or depositing money. They can perform most of their actions online.

Mobility in Banking and Commerce

Nowadays with help of Core Banking and Online Banking services people can carry their bank accounts with them everywhere. With help of ATM Cards directly linked to their bank accounts they can do shopping and other payments with ease. They no longer need to carry cash along with them everywhere.

Credit cards are among other significant gifts of this transformation in banking and commerce. Now, you can do shopping and enjoy holidays and travel without paying a penny from your savings. You can pay by your Credit Card and repay your credit card service provider later. Almost every bank offers Credit Cards to their customers. You can have a credit card linked to your bank account, and the amount will be transferred from your bank account for credit cards payments automatically as scheduled by you.

Cashless Transaction Revolution

The latest trends reveal that now more and more people are going cashless. It is safer as well as convenient for people. They prefer paying via their ATM Cards (not their credit card, due to fear of overspending). The excess use of ATM cards encouraged merchants, store owners and pubs to install Cashless ATM's at their place, so that their customers can pay them via ATM.

This is a growing trend in modern economy. It resulted in growth of cashless ATM's manufacturing. Nowadays, it is very easy for a store owner to purchase or rent a cashless ATM, so that they can lure more and more customers to their stores.

Don't forget to also get a copy of the new book by Josef Toth, ATMs for Amateurs

Maximize Your Sales and Revenues with Modern Transaction Equipments by Josef Toth

As a merchant, you always look for the easiest ways to maximize your sales and revenues. You need to attract as much customers as possible towards your shop or business establishments. There are several ways of attracting customers like advertizing your business, products, or services. Aggressive online and offline marketing also helps in getting fresh set of customers every day.

However, there are some other unexplored ways of increasing your revenues. You can adopt modern transaction equipments like Cashless ATM, Credit Card Processing Systems, Gift Cards, and Touch and Buy services. You can have dual benefits of adopting these new age equipments. Your customers can enjoy their shopping and other services being provided by you without any waiting and you can earn additional revenues on each transaction made by your customers.

Nowadays, people tend to carry less cash along with them due to inconvenience and security reasons attached with more cash. They prefer carrying plastic money (Credit Cards or Debit Cards) with them while on shopping or outdoor tours. It is a safer as well as more convenient option of shopping for customers. A majority of modern customers have similar tendency for shopping. That means if you do not want to lose your revenues and sales then you should keep yourself ready to serve these customers. For that, you need to adopt modern equipments for banking and transaction processing. After their implementation, you will be able to attract more and more customers to your stores with hassle free payments systems.

There are several companies providing different types of cashless equipments (Cashless ATM, Credit Card Processing Systems, Gift Cards, and Touch and Buy services). You can contact them and ensure installation of any of the above-described equipments in your store. These equipments accept Visa, MasterCard, American Express, Discover, JCB, debit cards, Gift and loyalty Cards, and Electronic Benefits Transfer (EBT) transactions.

You can enjoy following benefits after adopting these service:
1. Increase sales, store traffic, and average purchase by every customers,
2. Earn money of every transaction made by your customers,
3. No need for any human cashier thus a cost-cutting alternative for you,

These are just glimpses of benefits. Once you implement cashless ATM's or other transaction equipments in your business. You will start experiencing several other benefits increasing your overall revenue and profits.

Also, please check out the new book by Josef Toth, ATMs for Amateurs. 

Going Cashless - Latest Trend in Consumerism by Josef Toth

Modern day consumers are smarter than their ancestors. They believe on innovative technologies and use them in their daily life. Technology has affected almost every area of our life and the shopping habits and trends of modern consumers are also affected.

Going cashless is the latest mantra among modern consumers. They no longer prefer carrying cash along with them everywhere. While on overseas trips for touring or business work people prefer to shop a lot, for which they need money. However, carrying large amount of cash is risky as well as uncomfortable for people nowadays.

Modern banking systems made it easy, secure and convenient for people to carry their maximum purchasing power while on move. By introducing different types of ATM and Credit Cards they have provided the best alternate of carrying cash everywhere. Now people no longer need to carry cash for anything. The ATM card is enough to handle every transaction coming along their way.

Nowadays shopping depends upon heavy use of latest transactional equipments. Merchants have several options of using transaction equipments to make the transaction process simpler and clutter free for both shoppers and merchants. Cashless ATM and Credit card Processing Units are very popular these days. You can spot one everywhere at food chains, petrol or gas stations, pubs and nightclubs, and all other type of stores.

Cashless ATM's are on top of priority by merchants. Using a cashless ATM is beneficial for both shoppers and merchants.

Why Shoppers/Customers Prefer Using ATM Cards?
According to some recent surveys, modern consumer tends to use their ATM card instead of their credit cards. It helps them in reducing their excess expenditure, through ATM cards they can shop till a definite amount, whereas in case of credit cards consumers are more prone to overspending. One more benefit is that they have to pay very less amount as processing fee (if compared to high processing rates of Credit Card Payments) when they use their ATM's for making payments.

Benefits for Merchants
One thing is obvious that if modern consumers prefer using their ATM cards, then they will prefer going to places that provides payment facility with specialized processing machines for payments by ATM card. Although every credit card processing unit is capable of receiving payment by ATM cards, but for that customers have to pay extra processing charges. Even, merchants have to pay a fix amount (which is far more than payments by Cashless ATM's) for such kind of transactions. It reduces their overall profits on smaller transactions.

By installing a Cashless ATM merchants can attract more and more customers. It will also make transaction simpler and beneficial for their customers as well as for them.

Don't forget to check out the new book by Josef Toth, ATMs for Amateurs. 

Innovative Payment Processing Systems in Use by Josef Toth

New age payment processing systems are among the most essential requirements of merchants and shop owners. The latest trend in shopping and buying pattern of consumers indicate that nowadays people want to pay for the stuff purchased through their ATM Cards rather than paying in cash. According to analysis of payment patterns of modern consumers, it is clearly visible that they prefer making payments through ATM Cards only. Rate of payments made through Credit Cards have decreased.

In order to provide attractive benefits of making payments through ATM cards, merchants have adopted state of the art payment processing systems that can process ATM cards payments.

Merchant's Benefit on Such Payments through Cashless ATM

Merchant's can make money on each transaction made by ATM cards through Cashless ATM's, like traditional payment processing systems they don't have to pay processing costs for every transaction. That means added profits for merchants or storeowners using such Cashless ATM Machines.

Benefit's of Customers on Payments through Cashless ATM

Making payments through Cashless ATM's or Scrip ATM's are the most convenient way. Customers can get cash back when making purchases. For this convenience they have to pay a nominal processing fee (usually less than the processing cost incurred in Credit Card payments). The customer has to slide their ATM card through cashless ATM and then they have to enter their PIN (Personal Identification Number), after verification customers get a slip/coupon that can be redeemed at stores.

Security Concerns in Cashless ATM's

As the name suggests, Cashless ATM's hold no cash, so there is almost no risk. There is no need of any security personnel to guard the ATM Machine (as in case of conventional ATM's used by Banks that provides facility of withdrawing cash). So, it is secure for both merchants as well as customers. Even if you lose your ATM card, no one can use it without the correct PIN. That means, only authorized people can use Cashless Scrip ATM's.

What Kind of Payment Processing Systems Merchants Are Using Nowadays?

Nowadays, different kinds of Cashless ATM's are in use. Merchants have the possibility to choose from a wide variety of Cashless Scrip ATM's. They can select from Counter Model, Wall Unit, or normal Cashless ATM's that resembles ATM's used by Banks.

Please check out the new book by Josef Toth, ATMs for Amateurs. 

Cashless ATMs - Reducing Your Worries While Travelling Around US by Josef Toth

Carrying cash is among one of the major worries of people while travelling. They need cash at each and every place during their journey. In order to purchase journey tickets, other travelling expenses like buying food stuff, magazines and book people need cash. This is really a great worry for frequent travelers.

However, you don't have to worry about carrying cash anymore, if you are travelling to any part of United States. Most of the merchants and stores have adopted a new tradition of receiving payments from customers. The new concept of Cashless ATMs has changed the way people used to make payments. Now you don't need to pay in cash when you purchase your favorite Pizza from any of the popular food chains in United States.

Use of cashless scrip ATMs by merchants on most of the departmental stores, gas stations, and food chains has simplified the process of making payments. This new phenomenon of Cashless ATMs is not only popular in major cities and metropolitans. You can find all stores and gas stations on highway equipped with modern cashless ATMs. That means you don't have to worry about cash anymore while you are travelling through state or national highways.

The popularity of Cashless ATMs has also attracted nightclub and bar owners to install them at their place. That means you can enjoy the excellent nightlife with music, dance and total fun without being worried about the payments. You can do it through your ATM card.

You must be wondering what is there in a Cashless ATM machine that changed the whole scenario of shopping and making payments. The reason is the dual benefit provided by these Cashless scrip ATMs to merchants as well as customers.

Installing a Cashless ATM requires less investment and makes you eligible for receiving payments from a wide array of Banks. After installation of Cashless ATM at their place merchants don't have to pay heavy processing fee (as charged in case of receiving payments by Credit Card). They have to pay a fixed amount every month for unlimited number of transactions. Even, customers love the convenience of using Cashless ATMs. They have to pay less convenience fee if compared to the heavy processing fee by Credit Card companies.

Cashless ATMs are very common in United States. Most of the stores have adopted them and rests are also adopting the trend. That means when you will be travelling to different part of United States for touring or business purposes, you don't have to worry about carrying Cash anymore.

Also please check out the new book by Josef Toth, ATMs for Amateurs

ATMs for Amateurs by Josef Toth

If you're stuck in a dead end job or career, check out ATMs for Amateurs by Josef Toth and get all the information you need to start in a new career in ATM sales and marketing.

Buy the book here. 

Cashless Transactions: Need of Today's Consumer and Merchant by Josef Toth

Need of cashless transactions in US was realized a long time back. The reason was obviously the ease of making payments and potential benefits for both consumers and merchants associated with them. With the introduction of this advanced and beneficial payment technology, attitude of today's consumer's towards making payments has completely changed. Nowadays, people are primarily dependent on their credit or debit cards to pay for any product or service they buy.

People prefer to go cashless nowadays, be it for shopping, movies, eating or even for traveling. But why is it so? Reason is self explanatory and well-understood by common man. It is always risky to carry cash. However, when it is time to shop something very costly, it is not a wise step to carry such a huge money amount. Moreover, sometimes it is not even possible to pay cash, when it is matter of buying a huge vehicle like car or something else of a very high cost.

In such conditions cashless transaction is a convenient and above all safe payment mode to opt for. Cashless scrip ATM's have been installed everywhere, be it departmental stores, luxurious clothing and shoe showrooms, vehicle showrooms of all types, multiplexes, restaurants or hotels. Moreover, in parking lots too cashless scrip ATM's have been installed. This lets people to pay with the help of their debit cards and offer them an opportunity to get rid of the risk associated with carrying cash.

As far as the benefit of merchants is concerned, it is really worth for them to accept payments through cashless ATM's, rather than credit card processing machines. If you are a merchant who accepts or has ever accepted payments from customers through credit card processing machine, you must be aware of its drawbacks in terms of paying huge credit card processing fee. However, it is not the case with cashless ATM's. Also, as compared to credit cards, customers use their debit cards more freely, that helps merchants in increasing their sales and profits more and more with time.

Above discussed facts clearly confirm, why cashless transaction are getting widely accepted day by day. For consumers, it has been found the best payment mode ever and for merchants, it has been found a cheep and easy payment acceptance method that has left the age of credit cards processing machines back. With such a rapidly increasing acceptance around the globe, it has become a need of modern consumers and merchants. Therefore, go cashless, go free of worries.

New ATM Technology by Josef Toth of I Solutions

At a recent Consumer Electronics Show (CES), Diebold used the opportunity to roll out new technology fit for the 21^st Century and took advantage of the public’s affinity for smartphone technology.

At the Consumer Electronics Show (CES) in Las Vegas the firm showed off a new "conceptual ATM interface". The “conceptual ATM interface” has a similar platform to smartphone technology. Its touchscreen, navigation and controls mirror those of smart phones.

Consumers can now use their smartphones to complete many of the transactions available on the ATM. One exciting new technology is the cardless withdrawal. Customers scan a Quick Response (QR) code on the ATM using their phones. According to Bank Innovation, here’s how a QR code works.

“A retail customer goes to a designated, bank-branded app to indicate that she wants to take out cash from an ATM. The app authenticates the consumer. When the customer gets to any ATM in the system, she scans the onscreen QR code with her mobile device. The QR code relays the customer’s location to the server, and the server matches the customer’s request with the ATM location and dispenses the requested cash.”

Diebold believes that by using this system a number of security risks are reduced. For instance, the chances of losing their card, or having it stolen, are reduced significantly by using this system.  The chances for skimming are also reduced. Skimming occurs when thieves are able to use software to swipe data, including the PIN, from ATM cards. Because no card is used, that threat is significantly reduced.  This system also increases privacy in general because personal information is entered on the phone rather than into the ATM. Most skimming schemes involving installing software that reads information entered into the ATM.

The firm is also developing a payment feature which allows customers to pre-approve future payments to third parties. The sender enters payment information along with information about the receiver of the payment and the time and date of payment.  Once all that information is confirmed, the payment recipient receives a one-time code. That individual is able to use that code at an ATM or branch to receive money.

Another exciting development is the use of cloud-based services. Cloud based services allows for significantly reduced hardware and electricity costs. Cloud based services use the internet to store information, and thus, they don’t require bulky computers.

Frank Natoli, chief innovation officer at Diebold, said, “Mobile devices are driving user experience expectations in all facets of commerce. It was only a matter of time before the familiar multi-touch interface style made its way to the ATM. With the burgeoning buying power of the Millennial generation, Diebold envisions this technology will further influence user experiences at the ATM."

Check Cashing to Card Better Alternative

Check Cashing to Card better alternative

by Josef Toth

The most important key in developing a good prepaid product is to develop a better alternative then the services being offered by check cashers.

A typical check casher in the under banked world has a tough experience and high fees. Here is an example.  As quoted from the Green sheet by DeDios, a native of Jalisco, Mexico.

“Every Week I would go with my father to the check cashing outlet to get his compete paycheck cashed,” she said. “Then we would go somewhere else to buy money orders. And we would give those to the utility companies. Sometimes we’d have to drive there to make the payments.”

“And then we would go to a local grocery store that ha a money transfer service. And that’s when we would use to send money back to my grandma back in Mexico. So that was an expensive venture.”

Therefore, we at I Solutions feel our check to card program when packaged together with our Prepaid and Bill payment is a superior and economical solution for the under banked population here in the United States.

Our Program allows customers to cash Payroll and government checks to a Prepaid Card at reasonable rates. In addition, customers can pay their bills and use international cross border payment systems to lower their fees tremendously from the old system of doing this.

The Avg customer is saving over $792 annually from using these types of systems.

Please visit us at www.intel-solution.com