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Subject: Proton joint developACI--own TSA---HongKong--Proton/JCB


Author:
PWI/ TSA Global Partnership Alliance , May 01, 2000
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Date Posted: 03:43:46 12/29/02 Sun
In reply to: Phase Zero will run from January-March 2001Ceps-based 's message, "pilot of internationally-interoperable e-purse smartcards" on 03:31:47 12/29/02 Sun

ACI Worldwide and JCB International Work To Promote Smart Card Adoption

ACI Includes J/Smart Switching Capabilities in New Release of BASE24

Tuesday, October 29, 2002

(OMAHA, Neb. — October 29, 2002) — ACI Worldwide (Nasdaq: TSAIE), a leading international provider of enterprise e-payment solutions, and JCB International Co. Ltd., the international arm of JCB Co. Ltd., one of the world leaders in the payments industry, today announced their work to promote the adoption of smart cards around the world. In conjunction with JCB’s “J/Smart,” the EMV compliant smart card application for JCB’s credit card payment system, the latest release of ACI’s BASE24® e-payment processing software includes the ability to acquire, route and switch transactions generated by JCB’s J/Smart credit cards.

Together, the BASE24 J/Smart combination can reduce the cost and complexity of introducing smart card capabilities by minimizing the impact on existing technology platforms. JCB issuers and acquirers around the world can now readily deploy the BASE24 solution to implement their J/Smart program quickly and efficiently.

“The launch of this solution not only helps our partners easily adopt the technology to support J/Smart transactions, but also limits our partners’ exposure to fraud losses,” said Masahiro Omoto, senior vice president/head of IC Strategy of JCB.

ACI’s support of J/Smart transactions in BASE24 6.0 is already in place with financial institutions around the world, and includes the ability to accept transactions generated by single or multiapplication smart cards. National Credit Card Center (NCCC), a BASE24 user and one of JCB’s partners in Taiwan, recently incorporated J/Smart and BASE24 to successfully launch an EMV smart card program. Financial institutions in Taiwan are aggressively introducing smart cards to prevent fraud losses and provide multiple services. To assist with the launch and NCCC’s unique business needs, ACI provided the necessary software, integration services, project management, consultation and training.

“Together, JCB and ACI were able to help NCCC launch its smart card program with minimal impact on the bank’s existing technology platforms — helping NCCC reduce the cost and complexity of introducing smart card capabilities,” said Don McLarty, vice president of ACI Worldwide’s Asia Pacific operation. “We are continuing our work with JCB to incorporate J/Smart functionality into additional ACI products to address the various smart card needs of all JCB partners worldwide.”

A range of support services is available from ACI and JCB to ensure a smooth transition to a J/Smart environment. These services ensure that JCB acquirers and issuers can complete their J/Smart infrastructure, while meeting the specific functionality of their markets.

More than 330 financial institutions, retailers and processors worldwide use ACI’S BASE24 to acquire, route and authorize online e-payment transactions through physical and virtual channels such as mobile phones, PCs, ATMs, merchant Web sites and traditional retail outlets. BASE24 operates on HP NonStop servers to provide scalable, 24/7 processing power for e-payment systems.

About JCB
JCB is one of the international payment brands, such as Visa and MasterCard, and is also the largest card issuer and acquirer by itself in Japan. JCB launched its card business in 1961 and began expanding overseas in 1981. Its merchant network includes 9.78 million merchants and spans 189 countries and territories, and serves 42 million cardmembers worldwide. As part of its international growth strategy, JCB has formed alliances with more than 320 leading banks and financial institutions globally to increase merchant coverage as well as cardmembers. For further information, please visit the JCB International homepage at www.jcbinternational.com.

About ACI Worldwide
Every second of every day, consumers are initiating electronic payment transactions—getting cash at ATMs, using debit and credit cards to make purchases in stores and on the Internet, banking by phone and PC, paying bills online. Twenty billion times a year, ACI software is used to process these transactions, powering the world’s online payment systems. ACI was founded in 1975 and pioneered the development of applications and networking software for online transaction processing. Today more than 540 customers in 71 countries use ACI supplied software. Visit ACI Worldwide on the Internet at www.aciworldwide.com.


Contact Information
Gene Hinkle
ACI Worldwide
402.390.8906
hinkleg@aciworldwide.com

Disclaimer
Any statements in this press release regarding projected results are preliminary and "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. In addition, this press release may contain other forward-looking statements including statements regarding Transaction Systems Architects, Inc.’s (“TSA”), its subsidiaries or third parties’ expectations, predictions, views, opportunities, plans, strategies, beliefs, and statements of similar effect. The forward-looking statements in this press release are subject to a variety of risks and uncertainties. Actual results could differ materially. Factors that could cause actual results to differ include but are not limited to the following.

The success of TSA, or any of its subsidiaries, entering into a new distribution or partnering arrangement depends on numerous factors including the acceptance of the distributed products or services by TSA’s existing customer base and integration of the products and services into TSA’s marketing efforts, the quality of the products or services as perceived after use by TSA’s customers, and the degree of competition from competitive products or service providers.

TSA’s business is concentrated in the banking industry, making it susceptible to a downturn in that industry.

TSA is subject to risks of conducting international operations including: difficulties in staffing and management, reliance on independent distributors, fluctuations in foreign currency exchange rates, compliance with foreign regulatory requirements, variability of foreign economic conditions, and changing restrictions imposed by U.S. export laws.

Fluctuations in quarterly operating results may result in volatility in TSA’s stock price. No assurance can be given that operating results will not vary. TSA’s stock price may also be volatile, in part due to external factors such as announcements by third parties or competitors, inherent volatility in the high-technology sector and changing market conditions in the industry.

For a detailed discussion of these and other risk factors, interested parties should review TSA’s filings with the Securities and Exchange Commission.


Hong Kong ID Project To Use Smart Card Management Software From ACI Worldwide

ACI is Part of PCCW-Led Consortium Awarded Hong Kong ID Contract

Tuesday, October 22, 2002

(OMAHA, Neb. — October 22, 2002) — ACI Worldwide (Nasdaq: TSAIE), a leading international provider of enterprise e-payment solutions, today announced that its ACI Smart Chip Manager™ has been selected for use in the recently announced Hong Kong smart identity card system (SMARTICS). The contract for implementing the system was recently awarded to a consortium of companies, of which ACI is a key member, led by PCCW Business eSolutions, a business unit of PCCW Limited (SEHK: 0008, ADR-NYSE: PCW).

ACI’s role in the project includes delivery of the Smart Chip Manager, an integrated software application that controls the lifecycle of smart cards and the applications that reside on them — including issuance and post-application loads in the field. A number of critical business requirements of the SMARTICS project would not be satisfied without the extensive range of functions provided by Smart Chip Manager. The software has been architected to address all generally accepted industry standards, and it has the flexibility to respond to emerging and future requirements. ACI developed Smart Chip Manager after extensive and valuable experience gained through industry-leading projects in Europe and elsewhere. This unique experience also qualifies ACI to provide a range of specialized smart card services.

“The SMARTICS project is recognized around the world as a significant and leading edge development,” said Don McLarty, vice president of ACI Worldwide’s Asia Pacific operation. “We have made significant investments in developing our smart card solutions, and being selected for such a prestigious project confirms our position as a leader in the field.”

Under the terms of the contract, the consortium directed by PCCW’s eSolutions business unit will provide 1.2 million smart cards to the Immigration Department of the Government of the Hong Kong Special Administrative Region. Because of the complexity of SMARTICS, and stringent requirements on data privacy and data security, a very high emphasis was placed on the ability of PCCW and its partners to demonstrate that the consortium’s work would be of the highest quality.

PCCW identified and assembled top-quality technology partners from around the world, bringing together international and local companies that collectively provide security and related technology systems for tens of millions of security and credit cards as well as services to governments and large corporations.

“PCCW was chosen for this contract because we and our partners demonstrated the ability to create a high quality and efficient smart card solution for Hong Kong,” said Aloysius Lee, managing director of PCCW Commercial Group. “Winning this contract clearly communicates that PCCW meets the high expectations of large-scale customers. ACI’s proven track record in delivering high class, scalable and robust solutions to meet mission critical applications to hundreds of customers around the world was an asset to the consortium.”

ACI’s chip card technologies support more than 20 million multi-application cards on different operating systems and smart card platforms worldwide.

About ACI Worldwide
Every second of every day, consumers are initiating electronic payment transactions — getting cash at ATMs, using debit and credit cards to make purchases in stores and on the Internet, banking by phone and PC, paying bills online. Twenty billion times a year, ACI software is used to process these transactions, powering the world’s online payment systems. ACI was founded in 1975 and pioneered the development of applications and networking software for online transaction processing. Today more than 540 customers in 71 countries use ACI supplied software. Visit ACI Worldwide on the Internet at www.aciworldwide.com.


Contact Information
Gene Hinkle
ACI Worldwide
402.390.8906
hinkleg@aciworldwide.com

Disclaimer
Any statements in this press release regarding projected results are preliminary and "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. In addition, this press release may contain other forward-looking statements including statements regarding Transaction Systems Architects, Inc.’s (“TSA”), its subsidiaries or third parties’ expectations, predictions, views, opportunities, plans, strategies, beliefs, and statements of similar effect. The forward-looking statements in this press release are subject to a variety of risks and uncertainties. Actual results could differ materially. Factors that could cause actual results to differ include but are not limited to the following.

The success of TSA, or any of its subsidiaries, entering into a new distribution or partnering arrangement depends on numerous factors including the acceptance of the distributed products or services by TSA’s existing customer base and integration of the products and services into TSA’s marketing efforts, the quality of the products or services as perceived after use by TSA’s customers, and the degree of competition from competitive products or service providers.

TSA’s business is concentrated in the banking industry, making it susceptible to a downturn in that industry.

TSA is subject to risks of conducting international operations including: difficulties in staffing and management, reliance on independent distributors, fluctuations in foreign currency exchange rates, compliance with foreign regulatory requirements, variability of foreign economic conditions, and changing restrictions imposed by U.S. export laws.

Fluctuations in quarterly operating results may result in volatility in TSA’s stock price. No assurance can be given that operating results will not vary. TSA’s stock price may also be volatile, in part due to external factors such as announcements by third parties or competitors, inherent volatility in the high-technology sector and changing market conditions in the industry.

For a detailed discussion of these and other risk factors, interested parties should review TSA’s filings with the Securities and Exchange Commission.




Proton World and TSA Form Global Partnership Alliance

Two Of The World’s Most Experienced Smart Card Companies To Provide A Combined Solution For E-Commerce And Other Payments

Monday, May 01, 2000

(OMAHA, Neb.—May 1, 2000)—The Electronic Commerce business unit of Transaction Systems Architects, Inc. (Nasdaq: TSAI), a leading international provider of enterprise e-payment solutions, announces that it has entered into a global partnership alliance with Proton World.
TSA and Proton World will establish a joint development team to specify and name a joint offering product that will combine the Proton R4 “front-end” smart card management package with TSA’s “back-end” host and back office system. Both companies will remain free to offer add-on packages to this core product, which will be jointly marketed and promoted to new and existing customers of both companies. TSA will market and promote the product through its ACI Worldwide distribution network.

The TSA - Proton World joint offering meets the emerging market requirement for robust, consumer-friendly, multiple application smart cards, andfacilitates the fast, effective deployment of smart card solutions across all sectors. Its technical architecture will consist of the combined functionalities of the Proton CEPS-based e-purse, the Proton World EMV-compliant debit/credit application, the TSA EMV host software, the TSA e-payment back office system and any additions requested by the customer, such as additional Proton World applications, or TSA’s MONAD multi-functional card management system. This fully integrated end-to-end smart card solution includes software, a package of integration services, project management and training to facilitate multi application smart cards.

“This solution will at last unleash the full potential of e-commerce,” said Graham Frost, deputy managing director of Proton World. “The growth of e-commerce has been held back so far by the lack of a secure means of payment that is trusted by consumers and merchants alike. This has led to the current situation where 70 percent of e-commerce customers quit before the checkout and fraud and repudiated transactions have grown to unacceptable levels. Smart cards which offer guaranteed identity, totally secure payment options and the ability to be used in the physical world too are now possible thanks to the alliance of Proton World and TSA. Furthermore, with the use of the world’s most popular e-purse, micro transactions such as purchasing single tracks of music over the Internet can be accommodated in a trusted and far less costly manner.”

“Proton World and TSA have cooperated at a technical level for many years and have many joint customers who, between them, have deployed millions of smart cards,” said Graeme Ward, chief strategy officer of TSA’s Electronic Commerce business unit. “As this industry gains pace and issuers see the benefits of including many applications on a single card, as well as complying with international standards for interoperability, our combined product offering and experience will reduce risk and improve effective time to market. This will provide issuers and application providers with a single-source approach to deploying the technology and integration with acquiring and back-office systems. I believe that the ability of a customer to provide unique identity—in order to brand the products and services as they want, deliver them in the way that they want—by means of a multiple-application smart card—will be the next great step in the evolution of customer-centric technology. I am delighted that we will be working with Proton World to make this vision a reality.”

About Proton World Proton World was created by major smart card players (American Express, Banksys, ERG, Interpay and Visa International) to give a boost to common smart card and electronic purses standards. Proton World is a high-technology company, which delivers global smart card solutions world-wide. It continues the development and licensing of Proton smart card applications, which have already been chosen by 20 countries. The Proton technology is the most broadly implemented in national roll-outs and is the most actively used world-wide: the Proton-based smart card schemes have together performed more than 152 million e-purse transactions since they have been introduced. It also has the largest acceptance base, with more than 277,000 terminals installed world-wide.

Multiple applications are available today on the Proton platform (for example electronic commerce, access controls, loyalty schemes, calling cards, university campus cards etc.). Proton World supports a variety of technologies and specifications to deliver open, interoperable and global smart card solutions. It is implementing the Common Electronic Purse Specifications (CEPS) to ensure interoperability of electronic purse schemes world-wide.

For more information, please visit www.protonworld.com.

About Transaction Systems Architects, Inc. The Electronic Commerce business unit of Transaction Systems Architects, Inc. (Nasdaq: TSAI) provides a broad suite of e-commerce solutions to both “bricks and mortar” as well as virtual retailers, merchant banks and payments processors. It counts as customers 22 of the top 100 retailers in the U.S., as well as a virtual mall and an e-commerce payments processor. The Electronic Commerce unit’s solutions address virtually every facet of the e-payment process, including secure web-based payments, debit and credit transaction authorization, smart card-based solutions for multi-application deployments, e-fraud management, 1:1 targeted marketing programs and digital wallets.

For more information visit www.tsainc.com.

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