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Date Posted: 09:34:31 02/16/03 Sun
Author: to understand itProton World and ACI enter into a Global Partnership Alliance03/05/2000.
Subject: have posted before worth going over a 2nd time very important
In reply to: 23/5/2001 Cepscocard provider JCB International Ltd. 's message, "ACI’s support of J/Smart transactions in BASE24 6.0 is already in place with financial institutions" on 09:29:41 02/16/03 Sun

PRESS RELEASE
03/05/2000 p.1
Proton World and ACI enter into a Global Partnership Alliance.
Two of the world’s most experienced smart card companies to provide a combined
solution for e-commerce and other payments
Brussels, Gouda and Miami, 3 May, 2000
Proton World announced today that it has entered into a global partnership alliance with ACI
Worldwide, a leading supplier of enterprise e-payment systems around the world.
Proton World and ACI 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 the ACI “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.
The Proton World – ACI joint offering meets the emerging market requirement for robust,
consumer-friendly, multiple application smart cards, and facilitates 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 EMVcompliant
debit/credit application; the ACI EMV host software; the ACI back office payment
system and any additions requested by the customer, such as additional Proton World
applications, the Proton World Card & Application Life Cycle (CALC), based on Open Platform
or ACI’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% of e-commerce customers quit before the check-out
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 ACI.
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.When two industry giants such as ACI and Proton World decide to combine
their resources, you can expect great things. In this case we are delighted to be working
together with ACI to take the brakes off e-commerce.”
"Proton World and ACI have co-operated 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 Technology Officer of ACI Worldwide’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."
ENDS
PRESS RELEASE
Notes for Editors
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 our web site at www.protonworld.com or contact
Ms. Dominique Hautain, Executive Vice-President, Strategy, Marketing & Communication,
Proton World International SA/NV, 10 rue du Planeur / Zweefvliegtuigstraat 10 B-1130
BRUSSELS, BELGIUM
Telephone + 32 2 724 5111 Fax + 32 2 724 5060 e-mail info@protonworld.com
The Electronic Commerce business unit of ACI Worldwide (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, please visit our web site at www.aciworldwide.com or contact
Gene Hinkle, manager, Corporate Communications,
ACI Worldwide, 330 South 108th
Avenue, Omaha, NE 68154, USA
Tel: +1 402.390.8906 Fax:+1 402.330.1528 e-mail: hinkleg@tsainc.com

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