JACKSONVILLE, Fla. (11/30/10)--JM Associates FCU, an $83 million asset financial institution in Jacksonville, Fla., has partnered with sponsor JM Family Enterprises Inc. to create “Smart Badge,” a new payment process for employees using smart-chip technology. The payment process allows JM Family’s employees to make purchases in the company’s on-site cafés and hair and nail salon with their identification (ID) security badges. Once employees create a Smart Badge account, they can add funds to their ID badges several ways. Credit union members may make cash deposits, transfer funds online using electronic services, or transfer funds directly from their JM Family Enterprises Inc. automatic payroll. Smart Badge is a no-transaction-fee joint program.