IBM and ACI Worldwide Providing comprehensive, end-to-end electronic payment solutions for retail banking

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1 IBM and ACI Worldwide Providing comprehensive, end-to-end electronic payment solutions for retail banking

2 IBM and ACI offer unparalleled expertise in designing and optimizing payment systems As leading technology providers of financial services solutions, IBM and ACI Worldwide have helped financial institutions worldwide build some of the most sophisticated, comprehensive payment systems in use today. As competitive and regulatory pressures mount and institutions look to transform their payment system infrastructures to reduce risk, enhance ROI and improve time-to-market for new services, it is imperative that they choose technology partners with the necessary experience and expertise. ACI s best-of-breed electronic payment solutions are optimized to operate on IBM hardware, taking full advantage of IBM infrastructure components. Together we provide the solutions and services institutions need to transform their mission-critical payments business and meet the challenges of the everchanging landscape of payments. For more than 35 years, ACI has supplied payment solutions to many of the world s largest, most progressive financial institutions. Built to the highest standards, and continually shaped by a blue-chip customer base, ACI s integrated set of retail banking applications provide a complete, endto-end solution for electronic payments, including the following: Customer acquisition and management Payment origination and transaction acquisition Authentication, authorization and routing Fraud and risk management By combining ACI solutions with industry-leading IBM servers and software components, institutions can consolidate multiple, disparate systems into a single, integrated environment. This reduces the complexity, costs and risks associated with managing multiple legacy systems. IBM System z is the only platform that can host ACI s entire retail payments solution set. This results in significant benefits in operational efficiency and improved systems management. For example, some applications run at peak periods during the day and others are batch applications running at night. Hence, these applications can share a single production infrastructure which helps improve overall efficiency, lower total cost of ownership and increase the return on investment (ROI). Clients may choose to run ACI applications such as BASE24-eps and ACI Proactive Risk Manager on IBM Power Systems. Many clients are realizing the benefits of consolidating UNIX workloads on IBM Power Systems to minimize complexity, reduce energy consumption and lower systems administration, maintenance and other operational costs. Recent product enhancements enable greater levels of utilization and increased flexibility. Together, IBM and ACI provide unparalleled, integrated payment solutions designed to provide the best solutions available in the market. Unparalleled services More than just gold-standard software and hardware solutions, the combination of IBM and ACI means that institutions can take advantage of decades worth of expertise in designing, implementing and optimizing payment systems. From upfront consultancy, through design Why now? Continued pressure to control costs and improve margins Increased competitive pressures from nonfinancial institutions Increased requirements for revenue and transaction growth to achieve economies of scale with a competitive low cost per transaction Continued rise of electronic payment transaction volumes and displacement of cash as new payment techniques emerge Innovation provides differentiation from other service providers The need to rationalize business services to provide a consistent customer experience and enhance the ability to offer segmented services Increased need to know your customer to provide targeted services and campaigns The need to keep pace with ever-changing regulations Increasing need to protect information and secure customer transactions

3 and implementation, to optimization and ongoing support, the IBM and ACI team is dedicated to providing our clients with unsurpassed services and support. Drawing on the experiences of hundreds of customer projects, IBM and ACI offer their payments transformation capabilities to provide a complete range of services and reduce the inherent risk involved in payment system migrations. The IBM and ACI team uses a proven methodology based on a library of reference architectures to ensure customer projects are precisely managed and that the resulting systems meet their needs. The joint IBM and ACI team is involved in every aspect of the customer migration, including the following: Strategy, assessment, scoping and planning Development and customization Installation, testing and training Certification and tuning Deployment and ongoing support Comprehensive, best-of-breed payment solutions ACI retail payment solutions provide the key processing components of an integrated, end-to-end electronic payment processing environment. These components can be implemented within an integrated processing environment, or they can be implemented as separate applications depending on an institution s particular business needs. ACI s retail payment solutions operating on IBM hardware and software can deliver the following benefits: Provides the system attributes necessary for innovation and, in the process, makes institutions more competitive by improving efficiency and compressing time-to-market Reduces complexity, putting institutions in a better position to simplify new product development processes Helps meet compliance needs through its highly reliable, scalable, resilient and open environment Allows the addition of processor capacity and storage in real time, without interruptions in response to changing business requirements Diminishes overall risk exposure, enabling a shift in focus and resources to market- and client-facing initiatives Provides a strong enterprise-wide technology foundation on which institutions can build governance and risk management strategies through business continuity and service management Customer acquisition and management Often viewed as a back-office function, the ability to dynamically manage customer relationships has become vitally important within the financial industry. ACI s solution allows issuers to manage the complete life cycle of both the customer and the associated card products, including the following: Processing card applications Embossing the card, as well as initiating PIN generation, PIN mailers, other card security numbers and card carriers Generating personalization files Maintaining customer card and account details Managing replacement of damaged, lost and stolen cards Managing the card renewal cycle For chip card implementations, ACI s modular, highly configurable chip card component manages the entire life cycle of any chip card and its applications, including EMV applications. Finally, flexible account-level structures within ACI s solution enables single transaction instruments for multiple accounts as well as multiple transaction instruments for a single account. Authentication, authorization and routing The ACI solution provides an integrated payment engine to flexibly acquire, authenticate, route, switch and authorize financial transactions from traditional channels such as ATM and POS to more recent channels like mobile payments. The authorization functions can be scripted to support authorization parameters based on an institution s business processes. The solution supports all leading card types credit, debit and prepaid and offers standard interfaces to leading devices, switches and host systems. And BASE24-eps is compliant with

4 industry standards and regional initiatives including: Triple DES (3DES) Payment Application Data Security Standard (PA-DSS) EMV SEPA Global and regional networks U.K. Faster Payments ISO 8583 Finally, ACI s fault-tolerant application software takes advantage of the best in IBM Systems software for reliability, availability, scalability and high-performance transaction throughput. Fraud and risk management Supporting all payment channels within the e-payment environment, ACI s system provides an enterprise-wide fraud detection and risk management solution that improves the ability to detect and respond to fraudulent activities. With the ability to proactively monitor transaction activity in a real-time or near-real-time environment, each transaction can be evaluated and scored based on real-life transaction activity. The system is designed to improve the point of detection and to reduce overall fraudulent activity while maintaining a satisfactory customer experience. Settlement and back-office processing At the core of the e-payment environment is the ability to accurately clear and settle payments. The solution s settlement component automates many of the crucial functions associated with validating and settling funds between cardholders and electronic funds transfer (EFT) networks. It provides automated reconciliation functions, fee processing, funds movement and creation of posting files. Settlement functions also support the creation and settlement of all exception/chargeback transactions. For audit, analysis and archive purposes, a full set of reporting options is available. Retail payments architecture and infrastructure Payment Engine Card and Merchant Management BASE24-eps ACI Issuer ACI Acquirer ACI Interchange ACI Token Manager Fraud and Risk Management Operations and Infrastructure ACI Proactive Risk Manager ACI Payment Service Management ACI Communications Services ACI Payment Testing (ASSET) Commercials Hosted, on demand Build/operate/transfer IBM Global Financing IBM Platform System z, System p, DB2, WebSphere, Tivoli Services Strategic consulting Migration Operations Testing

5 About IBM and ACI IBM and ACI Worldwide have joined forces to create an end-to-end solution for electronic payments powered by IBM s open technology on IBM System z and IBM Power Systems. As part of the alliance, ACI optimized a new generation of payment and fraud and risk management solutions on the IBM System z platform with DB2, WebSphere and Tivoli software. This optimization supports the convergence of retail and wholesale payments and fraud management through the use of service-oriented architecture (SOA), including IBM s Banking Framework. ACI software operating on System z provides a SOA foundation that opens up disparate payments information to be shared across the enterprise in support of multiple software applications and lines of business. In addition to benefitting from the SOA approach, institutions that bring their payments transaction traffic to the System z platform can also take advantage of industry-leading security, reliability and availability, as well as help reduce power consumption and maintenance costs through server consolidation. Benefits of IBM and ACI solutions Reduced risk by selecting solutions from proven, global solution providers Integrated project organization and governance including the client, IBM and ACI Efficient project implementation drawing upon the expertise of industry leaders Comprehensive electronic payment processing solutions Improved ROI with the ability to leverage resources, both human and infrastructure, through system rationalization Improved time-to-market with the ability to introduce new products quickly Improved efficiencies with integrated, enterprise-wide solutions Highly available solutions that can scale to meet increasing demands Sophisticated, open design to allow ease of modification and uplift Supports the full range of existing and future payment types Holistic approach to fraud management within a single system Clients running ACI software on IBM Power Systems can benefit from the capabilities of the platform for handling complex analytics workloads. In addition to performance, modular growth and scalability, institutions that bring their payments transaction traffic to the platform can benefit from data protection and compliance, proven reliability, energy efficiency and rapid service delivery to reduce costs. The new IBM zenterprise System delivers a hybrid computing model that allows data centers to optimize workload deployment on best fit technologies with a common management infrastructure (for both mainframe and distributed servers) while driving down costs. The unique hybrid design integrates mainframe, POWER7 and IBM System x technologies in a single unified system to reduce cost and simplify operations.

6 Copyright IBM Corporation 2011 IBM Corporation New Orchard Road Armonk, NY USA IBM and the IBM logo are trademarks or registered trademarks of International Business Machines Corporation in the United States, other countries or both. Copyright ACI Worldwide 2011 ACI Worldwide 120 Broadway, Suite 3350 New York, NY USA ACI and the ACI logo are trademarks or registered trademarks of ACI Worldwide Corp. in the United States, other countries or both. BKB03003-GBEN-02 ABR

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