Team 1 will focus on micro payment cards used by guests at a hotel for services without a cashier. These cards are loaded with funds from a credit card and can be used at locations like game arcades and laundries. Payments are processed by a third party, who then pays the hotel. Team 2 will focus on mobile payments for concierge services booked on a cell phone using contactless payment or credit card swipes. Payments go to provider accounts connected to the hotel's merchant cards. The CFO must present to the IT board on these payment systems to get approval or issue a cease and desist, including information on potential PCI compliance issues.