JACKSONVILLE, Fla. (12/10/10)--JM Associates FCU is the first financial institution to pilot Star CertiFlash, a new personal identification number (PIN) debit application offered by the STAR Network that advances point-of-sale (POS) security using one-time card number technology. The STAR CertiFlash technology is programmed onto a contactless chip embedded within a payment device, such as a card. For each transaction, the chip encrypts and transmits a card number that is good for only a single use. The STAR CertiFlash application is built on payment specifications from merchant processor First Data. JM Associates FCU, an $83 million asset institution based in Jacksonville, Fla., volunteered to be the first financial institution to test the product. In the initial test, its employees used the technology to purchase items from participating merchants.