SAP Triversity, Inc. offers software solutions to the retailers. It provides SAP for Retail solutions that combine mySAP Business Suite applications with integrated retail applications to help companies to serve consumer demand across multiple channels. The company’s products include SAP Transactionware General Merchandise, a traditional client/server POS; SAP Transactionware Enterprise, a J2EE enterprise POS; SAP Fraud Watch, a Web-based fraud and policy violation detection application; and SAP Audit Watch, a point-of-sale transaction auditing system. It also offers Integrated electronic funds transfer application that provides centralized credit, debit, check, gift card, and settlement services; SAP Stored Value Program application to enable the retailers to create their own gift card, credit, voucher, and gift certificate programs; SAP Return Authorization application that links returns or exchanges to original purchases, and validates the authenticity of the transactions; and File transfer application that automates the daily consolidation process for multisite and multichannel retailers. The company, formerly known as Triversity Corporation, was founded in 1990 and is headquartered in Toronto, Canada. As of September 30, 2005, SAP Triversity, Inc. is a subsidiary of SAP AG.