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Date Posted: 09:29:41 02/16/03 Sun
Author: 23/5/2001 Cepscocard provider JCB International Ltd.
Subject: ACI’s support of J/Smart transactions in BASE24 6.0 is already in place with financial institutions
In reply to: terminals manufactured by Hypercom CorporationAbout First Hawaiian Bank 's message, "Vital Processing ServicesJCB InternationalTeam Up Introduce JCB SmartCard CapabilityinUnited States" on 07:54:49 02/16/03 Sun

E-purse body pushes toward global specification
By Margaret Quan
EE Times
(05/23/01, 3:32 p.m. EST)
MANHASSET, N.Y. — Cepsco LLC, the Common Electronic Purse Specification body founded in 1999 to champion a global
standard for e-purse platforms, has launched a partners group to promote acceptance of its Common E-Purse Specification
(CEPS).
Cepsco announced the group at the recent CardTech/SecurTech trade show in Las Vegas. Member companies include smartcard
manufacturer Schlumberger Ltd. (Montrouge, France), semiconductor supplier Infineon Technologies (Munich,
Germany), card system provider Cubic Transportation Systems (San Diego), chip provider Philips Semiconductors (Eindhoven,
Netherlands), card provider JCB International Ltd. (Tokyo), financial services company Citigroup Inc. (New York), electronicpayment
terminal manufacturer Ingenico Group (Puteaux Cedex, France) and the Electronic Commerce Security Technology
Research Association (Ecsec; Tokyo).
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.

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