The BASE24-epsTM Solution BASE24-eps is an integrated software solution to acquire, authenticate, route, switch and authorize financial transactions across multiple channels. It provides a full range of functionality to support payment transactions — both the traditional transactions that are mainstream today (such as debit and credit at the ATM and point of sale, branch banking and telephone banking), as well as the transactions of the future (such as mobile commerce and Internet banking). BASE24-eps represents the next-generation implementation of ACI’s world-class payments platform. It’s the culmination of our three decades of experience in developing and supporting payments software, leveraging the input of a global customer base. Since 1975, ACI has been known as a trusted provider of industry-leading software to meet the needs of the world’s most sophisticated systems. With BASE24-eps, ACI is investing to bring the best in functionality and fundamentals to an open systems environment, with a unique enterprise services architecture that allows organizations to increase profitability, enhance customer service and improve flexibility in a dynamic business environment. Increase Profitability BASE24-eps improves the cost-efficiency of payments processing by allowing a common set of transaction services to support multiple channels and transaction types. This eliminates the cost and complexity of maintaining duplicate functionality and information for each channel while providing a single point of integration to back-office legacy systems. A powerful scripting engine can define application logic (for example, to introduce new authentication rules or relax authorization parameters) without the need to modify source code, resulting in lower cost and faster time to market for new products and services. Enhance Customer Service BASE24-eps helps ensure consistency of service levels and information across consumer touch points. The fault-tolerant application takes advantage of the best in systems software for reliability and availability. In addition, BASE24-eps can integrate real time data from multiple sources within the enterprise to allow for more complete views of each customer, in turn allowing organizations to better manage transaction risk and personalize service. Improve Flexibility With BASE24-eps, organizations can leverage off-the-shelf support for leading card types, devices, national switches, international payment schemes and host systems. This speeds time-to-market and provides a feature-rich solution that customers can operate in-house for maximum control over their business. State-of-the-art object technology enables software reuse for rapid development of new functionality. Scripting allows new services, In the world of payments processing, managers are increasingly challenged to improve the profitability of today’s business while they accommodate a steady stream of new transactions, channels and technologies. Many have found it difficult, even impossible, to extend their transaction processing systems for new initiatives. As a result, organizations have lost money and competitive advantage as they’ve tried to compete using outdated platforms. It’s time for a new approach. It’s time to evaluate a system that can function as the core processing engine for all transaction types — both the traditional transactions that organizations manage today and the transactions of the future. BASE24-eps™ features at a glance Provides comprehensive and extensible support for consumer e-payment transactions Supports customized authorization processing through a powerful scripting engine Allows a common set of “middle-office” services to be accessed by multiple channels Supports a wide range of POS devices and ATMs Supports new e-commerce delivery channels, including Web-based devices, PDAs and mobile telephones Provides flexible switching and routing to major networks, card associations and processors Supports EMV and multicurrency processing Integrates with other products within the ACI Payments Framework™, including chip card management and fraud detection, to facilitate acquisition, processing, and management of transactions from any channel Supports high-volume, high availability processing through a scalable, fault-tolerant software architecture that runs on a variety of platforms Gives users the ability to define application logic such as authentication and journaling without having to modify source code Facilitates high productivity with a user interface built around task-oriented workflow to streamline management and operation Represents a true international product with its multilanguage user interface, including double-byte character support Uses industry-standard technologies such as Java, C++ and XML Engineered using Object Oriented Analysis and Design (OOAD) methodology Supports multiple communication protocols transaction types and business rules to be deployed more quickly and profitably than with traditional systems. Furthermore, BASE24-eps is engineered for scalability, accommodating growth in transaction volumes and allowing the integration of merged or acquired organizations without disrupting service. The ACI Advantage BASE24-eps provides a rich set of functionality to support payment transactions across multiple channels. The software is parameter-driven, allowing users to configure a system to meet unique business requirements. ACI’s product investment strategy ensures that periodic new releases of software provide support for both regulatory changes as well as new trends in electronic delivery. With built-in flexibility and ongoing investment, customers can be assured their ACI software will meet both short- and long-term business needs. Platform Independence BASE24-eps supports a broad range of computing environments, allowing customers to operate ACI’s best-of-breed software on their choice of industry-standard platforms. BASE24-eps operates on a range of HP, IBM and Sun servers. On each platform, our software takes advantage of the best in systems software for reliability, availability, scalability and high-performance throughput. Experience, Expertise Every second of every day, more than 800 customers around the world rely on ACI solutions to process payments, manage risk, automate back-office systems and provide application infrastructure services. More customers use ACI software to manage higher payment volumes, of greater diversity, across more platforms and geographies than any other provider in our field. Since 1975, ACI has provided software solutions to the world’s innovators. We welcome the opportunity to do the same for you. All product names are trademarks or registered trademarks of their respective companies. AC I WO R L DW I D E . O F F I C E S I n P R I n C I PA L C I T I E S T H RO U G H O U T T H E WO R L D . W W W. AC I WO R L DW I D E . C O M A M E R I C A S 1 . 4 0 2 . 3 9 0 . 7 6 0 0 . A S I A / PAC I F I C 6 5 . 6 3 3 4 . 4 8 4 3 . E U RO P E / M I D D L E E A S T / A F R I C A 4 4 .19 2 3 . 816 3 9 3 AFS3361 01-07