Press release:

ACI Worldwide Teams with Suncorp Bank to Fight Payments Fraud

ACI’s Proactive Risk Manager™ Selected to Combat Cross-Channel Fraud

Tuesday, September 18, 2012

NAPLES, FLA –SEPTEMBER 18,2012—ACI Worldwide (NASDAQ: ACIW), a leading international provider of payments systems, announced today that Suncorp Bank, a division of Suncorp Group of Australia, has implemented ACI Proactive Risk Manager™ 8.0, the company’s comprehensive fraud management solution. A Proactive Risk Manager customer since 2002, Suncorp migrated to the next generation of the solution in order to take advantage of its real-time fraud detection functionality and its ability to integrate, present and enable disposition of fraud alerts from multiple transaction channels in a single system.

Proactive Risk Manager is a payments fraud management solution designed to detect and combat evolving and increasingly sophisticated fraud schemes. It combines predictive analytics with expertly defined rules to enable an accurate, flexible and real-time response to the increasingly complex and dangerous risks presented by fraud and money laundering.

“Protecting the assets our customers entrust to us is one of our most important duties,” said Martin Latimer, Executive Manager Group Financial Crimes, Suncorp. “We know that those who wish to defraud and steal from us are always seeking new and creative methods, and we are determined to do everything we can to prevent that.  By implementing Proactive Risk Manager 8.0, we believe we are better prepared to meet this challenge.”

“Fraud will always be a tremendous risk for financial institutions and could be very costly for those that are not properly prepared,” said Mike Braatz, Senior Vice President, Payments Fraud, ACI Worldwide. “In order to keep up with rapidly changing fraud schemes, financial institutions around the world need to implement solutions which will stand guard every minute of every day and provide the flexibility to keep up with evolving threats. We are happy to continue our partnership with Suncorp in their initiative to expand their successful fraud prevention programs, to cover other channels and ensure the lowest possible risk exposure for their clients.

Proactive Risk Manager is used by more than 160 customers in 44 countries.  ACI ranked in the leader category for financial crimes management by leading industry analyst firm IDC Financial Insights in the recent IDC MarketScape report, Financial Crimes Management 2012 Vendor Assessment.

Press release:

ACI Worldwide Issues Call for Entries for 4th Annual ACI Excellence Awards

Monday, September 17, 2012

NAPLES, FLA—September 17, 2012— ACI Worldwide (NASDAQ: ACIW), a leading international provider of payment systems has issued a call for entries for the company’s 4th annual excellence awards. The ACI Excellence Awards™, which recognize ACI customers for new, innovative, or transformative implementations of ACI products, are open to all current ACI customers, regardless of size, location, business type or product deployed. There is no entry fee.

An ACI customer will be recognized for showing innovation in the use of ACI solutions to fill a need specific to a particular market or market segment.  The categories are:
• Meeting market needs
• Operational Excellence: Global Bank
• Operational Excellence: Regional Bank
• Mobile Banking and Payments
• Community Banking
• Customer Experience
• Payments Transformation
• Fraud
• Other
Interested parties can find more information, including submission guidelines, at www.aciworldwide.com/awards.  Submissions can be completed online and are due by October 26, 2012.  Winners will be announced in December 2012.

Press release:

ACI Worldwide Achieves SWIFTReady Accreditation for Fifteenth Consecutive Year

ACI Money Transfer System™ Recognized For Commitment to SWIFT Standards and Practices

Monday, August 20, 2012

NAPLES, FLA –August 20, 2012—ACI Worldwide (NASDAQ: ACIW), a leading international provider of payments systems, announced today that ACI Money Transfer System™ has received the SWIFTReady accreditation for payments for the fifteenth consecutive year. In addition, ACI Global Trade Manager™, formerly known as Open Account Manager™ achieved the SWIFTReady Supply Chain Finance accreditation for the fifth year in a row demonstrating ACI’s commitment to SWIFT’s standards and solutions.

The receipt of the SWIFTReady accreditation for payments recognizes that ACI’s Money Transfer System satisfies SWIFT’s highest requirements for the initiation, generation, processing and settlement of payments. The SWIFTReady Supply Chain Finance label, received by ACI Global Trade Manager, is granted to trade finance applications which support the Trade Services Utility (TSU) messages and workflows.  Global Trade Manager is designed and built according to TSU standards and is fully compliant with TSU Release and the Bank Payment Obligation or BPO.

“The SWIFT certification demonstrates that an organization meets a level of expertise and excellence,” said Anyal Hozee, Product / Market Manager SWIFT. “We strive to offer a potential customer an impartial evaluation which helps to assure them an independent arbiter has certified the solution meets our standards of quality.  I congratulate ACI for maintaining a high level of quality and excellence for the past 15 years.”

ACI’s Money Transfer System is a multibank and multicurrency global payments and financial messaging engine, which provides continuous processing capabilities directly to SWIFTNet services, as well as multiple real time gross settlement (RTGS) and support for low value networks across the globe.  The system is a single, integrated solution for domestic and international payments processing, which also fully supports processing for transactions under the SEPA Credit Transfer and Direct Debit schemes.

ACI Global Trade Manager is a comprehensive trade finance solution that offers open account transaction processing and supply chain financing services, including online purchase order (PO) issuance, automatic generation of invoices and document matching. It enables financial institutions to align with both their customers and the strategic partners of their customers, to integrate services across the trade value chain. This integration creates closer relationships and increases business opportunities with all aspects of the open account trade process.

“ACI has risen to the top of the wholesale banking field by offering innovative products which meet the needs of our customers and also adhere to the highest industry standards,” said Jonathan Eber, Director & Product Line Manager, Wholesale Payment Engines.  “By achieving the SWIFTReady accreditation for the fifteenth consecutive year with Money Transfer System, ACI continues to demonstrate its commitment to be the premiere payments and financial messaging solution on the market.”

Press release:

ACI Worldwide Delivers Advanced Retailer Payment Solution Allowing Retailers to Integrate Mobile Wallets into Existing Payments Infrastructure

Wednesday, August 15, 2012

NAPLES, FLA. – August 15, 2012 – ACI Worldwide (NASDAQ: ACIW), a leading international provider of payments systems, announced today the availability of Retail Commerce Server™ 5.0, the newest version of the company’s integrated payment solution for acquiring, authenticating, switching and authorizing retailers' financial transactions across multiple channels. Targeted for the U.S. and Mexican markets, the Retail Commerce Server framework quickly and easily integrates with current and emerging mobile wallet provider applications.

“Our retail customers face a rapidly evolving payments environment and ACI is ready to assist them to seamlessly integrate these changes into their current systems,” said Jeffrey Hale, Senior Vice President, Retail Payments, ACI Worldwide.  “The latest version of Retail Commerce Server empowers retailers to meet the growing demand for mobile wallet services with near seamless integration into their existing systems.  It will result in a stronger relationship with the consumer since they will be able to use the payment means of their choice without having to endure service disruptions.”

The updated mobile commerce framework supports the ability to process payments initiated on mobile devices through the retailer’s existing payments infrastructure. Most mobile wallets currently operating are designed to bypass the retailer’s existing payments infrastructure. As a result both internal and external costs are increased and the retailer’s ability to manage the customer relationship is negatively impacted.

By having the transaction flow through the existing infrastructure, retailers will be able to meet consumer needs without introducing any significant changes to their store or headquarter operations. The framework architecture has been designed to quickly and easily integrate with current and emerging mobile wallet provider applications. Retail Commerce Server 5.0 offers a number of other benefits to the customer including:

• Segmented payment data and configuration rules set for retailers with multiple brands - This new multi-tenant feature allows for a single instance of the Retail Commerce Server payment switch while providing the retailer the ability to uniquely customize each banner or franchise’s payment experience as needed. 

• Enhanced interoperability with other transaction types - The integration toolkit (ITK) allows the merchant to integrate their POS application to the Retail Commerce Server payment flow.  The ITK handles the message processing from the point of sale (POS) to the payment switch.   Retail Commerce Server 5.0 extends in-store support for key transaction types such as a credit application, fleet cards, phone card (PH), and Canadian debit transactions

“In this fast changing payment environment, large retailers require both reliability and flexibility,” said George Peabody, Director, Emerging Technologies Advisory Service, Mercator Advisory Group. “They need systems that perform traditional payments functions flawlessly and offer the flexibility to accommodate new payment methods, including mobile wallets, as well as couponing and other incentives approaches. A platform that provides both positions the retailer to deploy new customer-facing services while keeping integration issues to a minimum.”

Press release:

ACI Worldwide Strengthens Product Leadership with Executive Appointment

Daniel Frate to join as Executive Vice President, Global Markets and Product Management

Tuesday, August 07, 2012

NAPLES, FL.—August 7, 2012— ACI Worldwide, Inc. (NASDAQ:ACIW), a leading international provider of payment systems, announced today the appointment of Daniel Frate as EVP, Global Markets and Product Management.

Mr. Frate brings more than twenty five years of payments experience to this new role, having most recently served as Executive Vice President and Head of Products and Pricing at PNC Bank. Building on ACI’s product leadership position, Mr. Frate will be charged with delivering customer satisfaction through tight alignment of product roadmaps with market needs.  Mr. Frate will be based out of the company’s Naples, Florida headquarters.

“Dan has a keen appreciation of the customer’s perspective and is an excellent addition to the executive team,” said Philip Heasley, President and CEO, ACI Worldwide.  “With oversight of the sales and services functions as well as product management, Dan will ensure that we continue to meet our customers’ needs by delivering market-leading solutions.” 

David Morem, currently EVP, Global Products and a senior ACI executive since 2006, will transition to the role of EVP, Global Maintenance. He will lead the product maintenance and customer support operations for the company, and will be responsible for delivering world class support for all ACI products, a key aspect of the company’s priority on customer satisfaction. 

“Dave’s team of payments experts are dedicated to ensuring the long-term success of customer deployments,” said Mr. Heasley. “Unique in the payments marketplace, ACI supports customers for the lifetime of their applications, which includes investments in ongoing maintenance and mandates updates for all ACI products.”

The company also announced today that Ralph Dangelmaier, Executive Vice President, Global Markets, will be leaving ACI to head a privately-held company.  Mr. Dangelmaier joined ACI through its 2006 acquisition of P&H Solutions.
 
“I would like to thank Ralph for his dedication and tireless commitment to ACI,” said Mr. Heasley. “He has built a robust team that will continue to lead the payments marketplace.”

ACI Worldwide Named a Leader in IDC Marketscape: Financial Crimes Management 2012 Vendor Assessment

ACI Worldwide Named a Leader in IDC MarketScape: Financial Crimes Management 2012 Vendor Assessment

Proactive Risk Manager™ Recognized for Real-Time Pattern Recognition Abilities, Customizable Alerts, and Reporting Options

Wednesday, March 21, 2012

(New York, N.Y. - March 21, 2012) - ACI Worldwide (Nasdaq: ACIW), a leading international provider of payment systems, today announced it has been ranked in the “Leader” category for financial crimes management by leading industry analyst firm IDC Financial Insights in the recent IDC MarketScape report, Financial Crimes Management 2012 Vendor Assessment.

ACI’s ranking is based on its flagship fraud detection product, Proactive Risk Manager. IDC Financial Insights stated, “Proactive Risk Manager's greatest strength is its integration with ACI's other payment products, particularly its BASE24-eps card processing system and its MTS wire and ACH systems. This integration enables Proactive Risk Manager to operate almost entirely in real time. Real-time alerting and decisioning continues to be a primary selling point, reflecting the product's roots in the card market.”

Shesh Gorur, vice president & product line manager, ACI Worldwide, said, “We are delighted to be recognized as a Leader by IDC in this report. Our goal is to provide a product that is both flexible and powerful, supporting our customers’ current needs while allowing them to react to the evolving world of payments fraud.”

As defined by the report, financial crime management includes the IT solutions that anticipate, detect, analyze, and prevent fraudulent transactions, money laundering, and employee financial misconduct through the use of one or more of the following: decision trees, neural networks, predictive scoring models, network link analysis, scenario matching, data mining, case management, and entity and device profiling.

Proactive Risk Manager is a comprehensive enterprise fraud detection solution to help card issuers, merchants, acquirers and financial institutions combat financial crime. By monitoring account activity across all lines of business, Proactive Risk Manager enables users to see more fraudulent activity in a shorter amount of time, minimizing losses and helping to preserve the customer relationship. Proactive Risk Manager combines the power of predictive analytics and expertly defined rules for fast, accurate and flexible response to the evolving and growing nature of fraud and money laundering.

For more information on Proactive Risk Manager please visitwww.aciworldwide.com/proactiveriskmanager.

U.S. Stores Learn the Ropes of Shipping to Foreign Shoppers

Excerpt from an article in

The New York Times

Wednesday, March 21, 2012

U.S. Stores Learn the Ropes of Shipping to Foreign Shoppers

By STEPHANIE CLIFFORD

Macy’s has long marketed itself as a shopping destination for visitors to the United States. It offers a savings card with a 10 percent discount for foreign shoppers, custom programs for tour groups and travel agents, and a tourism Web site that lists shopping events and recommended hotels near Macy’s flagship stores.

But only last year did Macys.com — which shoppers worldwide can look at — offer overseas shipping.

“We were getting international traffic,” said Kent Anderson, president of Macys.com. “It was coming whether we were offering them, frankly, any realistic way to interact with the site or not.”

Macy’s is one of several retailers trying to extend its international presence to its Web operations by shipping overseas. In the last year, Williams-Sonoma, J. Crew, Aéropostale, Crate and Barrel and Lane Bryant have added international shipping to their Web sites, while Ann Taylor and Neiman Marcus are working on it.

Some of the retailers are meeting existing or anticipated overseas demand, while others are testing the waters before opening stores in other countries. Either way, they are discovering that shipping beyond the United States is not a simple undertaking.

“Typically the guys we’re talking to start off thinking they can toss it in a box and give it to U.P.S. or FedEx and hope it gets there,” said Michael DeSimone, chief executive of FiftyOne, a technology company that helps retailers add international shipping capabilities.

But there are problems with ordering systems, customs and postal fees, he said.

For example, many retailers do not have software in their warehouse management systems that recognizes foreign postal codes, which — unlike those in the United States — do not always have five digits.

“It sounds like a really stupid reason not to sell internationally,” Mr. DeSimone said, “but I can’t tell you how many times I’ve heard this was the biggest roadblock.”

The appeal to reaching customers in other countries is based largely on the popularity of mobile phone sales overseas. Forrester Research expects online retail sales in the Western Europe, Asia Pacific and Latin America regions to increase 67 percent from 2011 to 2015, compared with 42 percent for the United States.

And traffic to American Web sites from international visitors is already high.