Applied Communications Inc. to provide home banking and bill payment solutions.

OMAHA, Neb.--(BUSINESS WIRE)--April 25, 1995--Applied Communications Inc. (ACI) and Baldwin Hackett & Meeks Inc. (BHMI) today announced an agreement to offer software for integrated home banking and bill payment systems on the Tandem hardware platform. ACI will market and support the software as an extension to their BASE24 product line, already used by more than 258 financial institutions worldwide as a platform for retail delivery.

"This new offering extends the capabilities of our proven platform for automated teller machine (ATM), point-of-sale (POS) and manned teller systems, and allows institutions to support the growing trend toward banking outside the traditional branch," according to Judy Prusa, vice president for corporate marketing at Applied Communications. "As financial institutions look to reduce costs and enhance their services, the keys to success will lie in providing easy access to a wide range of transactions in a secure, continuously available environment."

Lynne Baldwin, president of BHMI, said, "Our joint solution allows consumers to access account information for inquiries, transfers and bill payments, 24 hours a day, seven days a week. A wide variety of access points will be supported, including phones, personal computers (PCs), screen phones and call centers."

The joint solution is designed to meet the needs ot a wide variety of financial institutions. Features include:

o Full remote transaction set including bill payments and warehousing of future-dated payments.

o Support for all major account types including checking, savings, credit, CD, IRA, NOW, and loan accounts.

o Support for a wide range of audio response units (ARUs), PCs and screen phones based on a standard message interface.

o Automated receipt of incoming calls via the call center applications.

o Consumer identification and definition services, allowing banks to tailor services by customer type.

o Maintenance of vendor information to support remittance processing.

o Transaction and operational security features consistent with Electronic Funds Transfer (EFT) industry standards.

o ISO host interface connections for online links to existing legacy systems.

o Refresh and extract capabilities to maintain and update customer and supplier account databases.

o Message-based routing facilities to enable users to route messages from any device to any destination for service, regardless of the origination point.

"Our Tandem-based solution will offer the reliability, performance and scalability required for remote banking, to allow any transaction type to be initiated by any customer, anytime, from any access point," Baldwin continued.

According to Prusa, "Our partnership with BHMI will combine the best of both companies' strengths. ACI is a market leader in retail banking systems with a global network for distributing and supporting solutions. BHMI is a proven provider of Tandem-based solution for online transaction processing (OLTP) applications."

Baldwin Hackett & Meeks Inc. (BHMI) is a professional technical services organization specializing in the implementation of high-availability, online transaction (OLTP) networks for the financial and transportation industries. A pioneer in the implementation of call center applications on Tandem computer systems, BHMI has a successful track record in the integration of audio response, telephony, and transaction processing technologies. The corporate headquarters are located at 10855 West Dodge Road, Suite 220, Omaha, Nebraska 68154. The telephone number is [phone].

Applied Communications Inc., a subsidiary of Transaction Systems Architects Inc. (Nasdaq: TSAI), develops, markets and supports applications software solutions that facilitate electronic commerce by providing consumers and companies access to their money. Their products are used to process transactions involving credit cards, debit cards, checks, point-of-sale (POS) devices, automated teller machines (ATMs), manned teller devices, home banking, wire transfers and automated clearing and settlement. The company's products are used by more than 400 customers operating more than 1,000 product systems in 56 countries on six continents.

CONTACT: Applied Communications Inc., Omaha

Jennifer Love, APR, 402/390-7955