BB&T Chooses ACI's BASE24-es to Replace Legacy ATM System; BASE24-es Momentum Continues as BB&T Joins Growing Customer List.

Business Editors

OMAHA, Neb.--(BUSINESS WIRE)--July 28, 2003

ACI Worldwide (Nasdaq:TSAI), a leading international provider of enterprise e-payment solutions, today announced the licensing of its BASE24-es(TM) software (for ATM) to BB&T Corporation, the 11th largest financial holding company in the U.S. with over $91 billion in assets. BB&T will use the advanced architecture of BASE24-es on an IBM zSeries(R) platform to drive some 1,900 ATMs and process ATM and Debit card authorizations.

"We conducted an extensive evaluation of the ATM systems available in the marketplace and determined that ACI's BASE24-es system offered the best solution to meet all of our current needs and the best foundation to take advantage of future opportunities," said Mark Piper, BB&T's senior vice president of ATM Management. "This is an exciting, transitional time period for electronic payments channels and products, and we look forward to partnering with ACI to provide outstanding availability, enhanced functionality and industry standard security for BB&T's ATM and Check Card customers."

BASE24-es is an integrated software solution to acquire, authenticate, route, switch and authorize transactions across multiple channels. BB&T will leverage the advanced scripting capabilities of BASE24-es to better react to market demands. Scripting allows organizations to modify processing logic, for example, to introduce new authorization rules, without modifying source code. The result is faster time to market for new functionality and a lower cost of operations.

"Our support for advanced ATMs, coupled with the state-of-the-art architecture of BASE24-es, will allow BB&T to seize opportunities in the ATM market," said Mark Vipond, president of ACI. "Our product gives them the flexibility to grow their business and consolidate their internal processes via a single, fully-integrated solution."

About ACI Worldwide

Every second of every day, consumers are initiating electronic payment transactions accessing their 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. Over 30 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 500 customers in 71 countries use ACI supplied software. Visit ACI Worldwide on the Internet at www.aciworldwide.com.

About BB&T Corporation

Winston-Salem, N.C.-based BB&T Corporation operates more than 1,400 banking offices in the Carolinas, Georgia, Virginia, Maryland, West Virginia, Kentucky, Tennessee, Florida, Alabama, Indiana and Washington, D.C.

With more than $91 billion in assets, BB&T Corp. is the nation's 11th largest financial holding company. BB&T was named this year to the Forbes Platinum 400 list of America's "Best Big Companies" for the fourth year in a row. BB&T and its subsidiaries offer full-service commercial and retail banking and additional financial services such as insurance, investments, retail brokerage, corporate finance, international banking, leasing and trust. More information is available at www.BBandT.com.

Any statements in this press release regarding projected results are preliminary and "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. In addition, this press release may contain other forward-looking statements including statements regarding Transaction Systems Architects, Inc.'s ("TSA"), its subsidiaries or third parties' expectations, predictions, views, opportunities, plans, strategies, beliefs, and statements of similar effect. The forward-looking statements in this press release are subject to a variety of risks and uncertainties. Actual results could differ materially. Factors that could cause actual results to differ include but are not limited to the following.

TSA is subject to risks of conducting international operations including: difficulties in staffing and management, reliance on independent distributors, fluctuations in foreign currency exchange rates, compliance with foreign regulatory requirements, variability of foreign economic conditions, and changing restrictions imposed by U.S. export laws.

Fluctuations in quarterly operating results may result in volatility in TSA's stock price. No assurance can be given that operating results will not vary. TSA's stock price may also be volatile, in part due to external factors such as announcements by third parties or competitors, inherent volatility in the high-technology sector and changing market conditions in the industry.

For a detailed discussion of these and other risk factors, interested parties should review TSA's filings with the Securities and Exchange Commission.

The zSeries name is a registered trademark of International Business Machines Corporation.