The main goal is for our product to be adopted as a standard in the credit card industry. In order to achieve this we must secure agreements with all the major credit card companies in the world: Visa, Mastercard, American Express and Diners Club.
             The process will take place gradually at first, with the implementation process taking approximately 2 years to be completed. Although the decision to implement the product can be swift, the credit card companies will most often choose to wait until the majority if their customer's cards have expired before issuing the new type of cards, thus minimizing the incurred costs. During this interval, we will also strive to supply every merchant with the new terminal thus enabling full implementation to coincide with the replacement of all cards.
             We believe that if we succeed in securing quasi-simultaneous agreements with the above-mentioned credit card companies we will be able to have upwards of 90% of the credit card market share worldwide within 3 years. From that point it will be a short step to becoming the single worldwide standard of credit card payment technology.
             Our product is aimed at only a few major companies, not at individual clients. Therefore this product is aimed at all credit card companies and subsequently all users worldwide. It goes without saying that this product is not aimed at a specific market segment: it offers increased security which translates into much smaller losses for the credit card firms. These benefits can be passed on to the merchants and users in the form of lower commissions and annuity rates, as discussed later. It is therefore hard to imagine who would oppose a product which will offer increased security as well as indirect monetary benefits, however small these can come to be.
             Therefore this product is aimed at only one major segment: credit card users. T
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