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                                                                    EXHIBIT 10.7

                           COMMERCIAL PROMISSORY NOTE



       FIDELITY                               Loan No.
[LOGO] NATIONAL BANK                                  -------------------------
       P.O. Box 105075                     Borrower(s)
       Atlanta, Ga. 30348                             -------------------------

                                                      -------------------------
                                             Location:
                                                      -------------------------
                                              Officer:
                                                      -------------------------
                                                               (Name/Initial/#)

U.S. $1,000,000.00       July 2, 1999

         FOR VALUE RECEIVED, the undersigned INTELLIGENT SYSTEMS CORPORATION, A
     GEORGIA CORPORATION, (hereinafter, whether one or more, referred to as
     "Maker") promises to pay to the order of Fidelity National Bank, a national
     banking association (hereinafter, together with any subsequent holder
     hereof, referred to as "Holder"), at its office at 160 Clairmont Avenue,
     Decatur, Georgia 30030 or at such other place as Holder hereof may from
     time to time designate in writing, in lawful money of the United States of
     America, the principal sum of ONE MILLION AND NO/100 - DOLLARS
     ($1,000,000,000 or so much as may be disbursed hereunder, together with
     simple interest (computed on the basis of actual days elapsed in a 360-day
     year) on the principal balance from time to time outstanding prior to
     default hereunder at the rate of prime plus 0% percent per annum. The
     initial interest rate on this loan is 17.75%.

         (If the interest rate is stated in terms of, or with reference to,
     "Prime", "Prime Rate", or "P" (the "Prime Rate"), then (i) such terms shall
     mean the rate established by Holder from time to time as being its "Prime
     Rate" for the purpose of a reference from which it sets rates for specific
     loans, which reference rate is not necessarily the rate actually provided
     to the most creditworthy, or any other class of, borrowers, and (ii) the
     interest rate charged hereunder will change as of the opening business on
     each day the Prime Rate changes.)

         Installments of principal and interest shall be due under this Note as
     follows:

     SEE RIDER ATTACHED HERETO AND INCORPORATED HEREIN BY THIS REFERENCE.
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         This Note shall mature and the principal balance hereof, together with
     all unpaid interest and other charges, costs and expenses provided for
     hereunder or under any other document or instrument evidencing or securing
     the indebtedness of this Note shall be due and payable on June 30, 2000.

         If (i) any payment of principal or interest on this Note is not
     received by Holder as and when same is due or (ii) a default occurs in the
     performance of any other covenant or agreement of Maker in this Note or by
     Maker (or by any guarantor, endorser, accommodation party or any other
     party liable for payment of this Note or providing security for payment of
     the same, collectively with Maker, an "Obligor") under any other Loan
     Document or (iii) any Obligor shall cease to exist or become insolvent or
     (iv) debtor reorganization, relief or liquidation proceedings shall be
     initiated by or against any Obligor, or (v) Holder shall otherwise deem
     itself insecure, then all obligations of Maker to Holder, including this
     Note, although otherwise unmatured or contingent, shall, at the option of
     Holder, forthwith mature, and the entire principal balance and all accrued
     interest and other charges due Holder shall become immediately due and
     payable without any notice or demand whatsoever.

         If the principal balance of this Note is accelerated, or any
     installment due hereunder is not paid as and when the same is due, or if
     the principal balance of this Note is not paid at maturity, then Holder
     shall have the option to increase the rate of interest to a default rate
     equal to two percentage points (2%) per annum plus the rate specified
     above, but in no event to exceed the maximum rate permitted by applicable
     law. If any monthly installment is not received within ten (10) days after
     its due date, Maker shall, at Holder's option, pay a late charge equal to
     five percent (5%) of the past due installment, such payment to be due with
     the succeeding monthly installment. Payment of any late charge or default
     interest does not entitle Maker to extension of any due date.

         To secure this indebtedness, along with any extensions or renewals
     thereof, in whole or in part, as well as all other indebtedness of Maker to
     Holder, now existing or hereafter incurred or arising however incurred
     (hereinafter sometimes referred to collectively as the "Liabilities").
     Maker does hereby grant to Holder a security interest in and security title
     to the following:

     SEE RIDER ATTACHED HERETO AND INCORPORATED HEREIN BY THIS REFERENCE.
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     together with any and all additions and accessions thereto or replacements
     thereof, returned or unearned premiums from any insurance on any of the
     same against fire, theft, collision or other catastrophe and any products
     and/or proceeds of any of the foregoing (all referred to herein as the
     "Collateral").

         Holder shall have the right to accelerate the maturity of the
     Liabilities in the event that the Collateral or any portion thereof is
     transferred, assigned, or sold, or any security interest granted therein
     without the prior written consent of Holder. If at any time Holder deem
     itself insecure, Maker will immediately furnish such further Collateral to
     be held by Holder, or make such payment on account, as will be satisfactory
     to holder.

         In addition to and independent of the rights and remedies of Holder as
     a secured party under the Uniform Commercial Code of Georgia, Holder shall,
     as security for the Liabilities, have the right to take possession of the
     Collateral, or the proceeds thereof and to sell or otherwise dispose
     thereof, and for this purpose, to sign in the name of Maker any transfer,
     conveyance or instrument necessary therefor, and Holder may enter upon the
     premises on which the Collateral or any part thereof may be situated and
     remove the same therefrom, without being liable in any way to Maker on
     account of entering any premises. Holder may require Maker to assemble the
     Collateral and make the same reasonably convenient to both parties. The
     right is expressly granted to Holder to transfer at any time to itself or
     its nominee any Collateral held hereunder and to receive the income
     therefrom and hold the same as security herefor, or to apply it to any of
     the Liabilities. If any notification of intended disposition of any of the
     Collateral is required by law, such notification shall be deemed reasonable
     and properly given if mailed at least five days before such disposition.

         Whenever Holder in good faith reasonably believes that the prospect of
     payment of this Note is impaired, Holder, without notice or demand of any
     kind, may if the Maker is in bankruptcy place an administrative freeze
     upon, and if the Maker is not in bankruptcy, hold and set off against any
     or all outstanding principal or interest as Holder may elect, any balance
     or amount to the credit of Maker in any deposit, agency, reserve, holdback
     or other account of any nature whatsoever maintained by or on behalf of
     Maker with Holder at any of its offices, regardless of whether such
     accounts are general or special and regardless of whether such accounts are
     individual or joint, excepting only accounts which are actually known to
     Holder to be trust accounts.

         Time is of the essence with respect to all of Maker's obligations and
     agreements under this Note and the Loan Documents. In the event that Holder
     institutes legal proceedings to enforce this Note or refers the same to an
     attorney-at-law for enforcement or collection, Maker agrees to pay to
     Holder, in addition to any indebtedness due and unpaid, all costs and
     expenses of such proceedings, including attorney's fees in the amount of
     fifteen percent (15%) of the outstanding principal and interest.

         Holder shall not by any act of omission or commission be deemed to
     waive any of its rights or remedies hereunder unless such waiver be in
     writing and signed by an authorized officer of Holder and then only to the
     extent specifically set forth therein; a waiver on one occasion shall not
     be construed as continuing of as a bar to or waiver of such right or remedy
     on any other occasion. All remedies conferred upon Holder by this Note or
     any other instrument or agreement connected herewith or related hereto
     shall be cumulative and none is exclusive, and such remedies maybe
     exercised concurrently or consecutively at Holder's option.

         This Note is hereby expressly limited so that in no contingency or
     event whatsoever, whether by acceleration of maturity of the debt evidenced
     hereby or otherwise, shall the amount paid or agreed to be paid to Holder
     for the use, forbearance or retention of the money advanced or to be
     advanced hereunder exceed the highest lawful rate permissible under
     applicable laws. If, from any circumstances whatsoever, fulfillment of any
     provision hereof or of any other agreement evidencing or securing the debt,
     at the time performance of such provisions shall be due, shall involve the
     payment of interest in excess of that authorized by law, the obligation to
     be fulfilled shall be reduced to the limit so authorized by law, and if
     from any circumstances, Holder shall ever receive as interest an amount
     which would exceed the highest lawful rate applicable to Maker, such amount
     which would be excessive interest shall be applied to the reduction of the
     unpaid principal balance of the debt evidenced hereby and not to the
     payment of interest, regardless of any books or records of Holder which may
     indicate the contrary.

         As used herein, the terms "Maker" and "Holder" shall be deemed to
     include their respective heirs, successors, legal representatives and
     assigns, whether by voluntary action of the parties or by operation of law;
     provided, nothing herein shall be deemed consent by Holder to any
     assignment or conveyance which is restricted or prohibited by the terms of
     any Loan Document. In the event that more than one person, firm or entity
     is a Maker hereunder, then all references to "Maker" shall be deemed to
     refer equally to each of said persons, firms, or entities, all of whom
     shall be jointly and severally liable for all of the obligations of Maker
     hereunder.

         Each Obligor hereby waives presentment for payment, demand, notice of
     non-payment of this Note, protest and notice of protest, and consents that
     Holder may extend the time of payment of any part or the whole of the debt
     at any time at the request of any other person or entity liable.

         Each Obligor hereby waives and renounces for itself, its heirs,
     successors and assigns, all rights to the benefits of any appraisement,
     exemption or homestead now provided, or which may hereafter be provided by
     the Constitution and laws of the United States of America and of any state
     thereof in and to all of its property, real and personal, against the
     enforcement and collection of the Liabilities. Each Obligor hereby
     transfers, conveys and assigns to Holder a sufficient amount of such
     homestead or exemption as may be set apart in bankruptcy, to pay this Note
     in full, with all costs of collection, and does hereby direct any trustee
     in bankruptcy having possession of such homestead exemption to deliver to
     Holder a sufficient amount of property or money set apart as exempt to pay
     the indebtedness evidenced hereby, or any renewal thereof, and does hereby
     appoint Holder the attorney-in-fact for such Obligor to claim any and all
     homestead exemptions allowed by law.

         In the event any suit or legal action is commenced by Holder, Maker
     hereby expressly agrees, consents and submits to the personal jurisdiction
     of any state or federal court sitting in DeKalb or Fulton County, Georgia
     with respect to such suit or legal action, and the Maker also expressly
     consents and submits to and agrees that venue in any such suit or legal
     action is proper in said courts and county and Maker hereby expressly
     waives any and all personal rights under applicable law or in equity to
     object to the jurisdiction and venue in said courts and county. The
     jurisdiction and venue of the courts consented and submitted to and agreed
     upon in this paragraph are not exclusive but are cumulative and in addition
     to the jurisdiction and venue of any other court under any applicable laws
     or in equity.

         This Note shall be governed and construed under the laws of the State
     of Georgia except to the extent applicable Georgia law is preempted by the
     laws of the United States of America.

         Maker warrants that the proceeds of the loan evidenced hereby shall be
     used solely for business or commercial purposes.

         IN WITNESS WHEREOF, Maker has signed, sealed and delivered this Note as
     of the date first hereinabove written and acknowledges receipt of a
     complete copy hereof.

<TABLE>
<S>                                                                 <C>
MAKER:                                                              MAKER:   INTELLIGENT SYSTEMS CORPORATION
                                                                             By:  /s/
---------------------------------------------------------(Seal)     ----------------------------------------------------------(Seal)
ADDRESS: 4355 Shackleford Road, Norcross, GA 30093                           Title:  Vice President

Tax ID/Soc. Sec. No.:                TELEPHONE No.770-381-2900      Address: Attest:  /s/
                     ----------------                                               ------------------------------------------------
                                                                             Title: Secretary/ Vice President

                                                                    Tax ID/Soc. Sec. No.:                 TELEPHONE No.770-381-2900
                                                                                         ----------------
                                                                                         (CORPORATE SEAL)
</TABLE>

<PAGE>   2


                       RIDER TO $1,000,000 LINE OF CREDIT
                        COMMERCIAL PROMISSORY NOTE FROM
                INTELLIGENT SYSTEMS CORPORATION (HEREIN "MAKER")
                      TO FIDELITY NATIONAL BANK ("HOLDER")
                               DATED JULY 2, 1999

1.       Interest only shall be due under this Note in monthly installments of
accrued interest during the preceding month (and any preceding partial month),
beginning on the 1st day of August, 1999 and continuing on the 1st day of each
month thereafter through and including June 1, 2000. On June 30, 2000, all
outstanding principal, accrued interest and other charges and fees owed under
the Note shall become immediately due and payable. All payments received from
Maker shall first be applied towards outstanding late charges, then towards
outstanding and accrued interest, and then towards outstanding principal.

2.       The Liabilities (as defined in this Note) shall be secured by:

         a. First-in-priority security interest in 24,501 shares of common
stock of Media Metrix, Inc. owned by Maker and pledged to Holder pursuant to a
Stock Pledge Agreement of even date herewith from Maker to Holder, together
with corresponding stock powers.

         b. First-in-priority security interest in 3,606,382 shares of common
stock of PaySys International, Inc. owned by Maker and pledged to Holder
pursuant to a Stock Pledge Agreement of even date herewith from Maker to
Holder, together with corresponding stock powers.

3.       This Note evidences a line of credit loan from Maker to Holder and all
disbursements in connection with said loan shall be made in accordance with the
provisions of a Revolving Loan Agreement of even date herewith between Maker
and Holder.

         IN WITNESS WHEREOF, Maker has executed this Rider under seal as of the
day and year written on the face of this Note.

                                    MAKER

                                    INTELLIGENT SYSTEMS CORPORATION, a Georgia
                                    corporation

                                    By: /s/
                                       ----------------------------------------
                                    Title:  Vice President
                                          -------------------------------------
                                    Attest: /s/
                                           ------------------------------------
                                    Title:  Vice President/Secretary
                                          -------------------------------------

                                                   [CORPORATE SEAL]