Concord EFS, Inc. is an electronic transaction processor that provides the technology and network systems that make payments and other financial transactions fast, efficient and secure. The Company is organized in two business segments: network services and payment services. The network services segment provides automated teller machine (ATM) processing, debit card processing and coast-to-coast debit network access principally for financial institutions. The payment services segment provides point-of-sale (POS) processing, settlement and related services, with specialized systems focusing on supermarkets, major retailers, gas stations, convenience stores, restaurants and trucking companies.... (Source: SEC reports)