ACI Worldwide and JCB International Work to Promote Smart Card Adoption; ACI Includes J/Smart Switching Capabilities in New Release of BASE24.

Business Editors/High-Tech Writers

OMAHA, Neb.--(BUSINESS WIRE)--Oct. 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(R) 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 http://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.

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