Tài liệu IBM and ACI offer unparalleled expertise in designing and optimizing payment systems pdf

IBM and ACI Worldwide – Providing Comprehensive, End-to-End
Electronic Payments Solutions for Retail Banking

As leading technology providers of
financial services solutions, IBM and
ACI Worldwide have helped financial
institutions worldwide build some of
the most sophisticated, comprehensive
payment systems in use today. As
competitive and regulatory pressures
mount and institutions look to transform
their payment system infrastructures to
reduce risk, enhance ROI and improve
time-to-market for new services, it is
imperative that they choose technology
partners with the necessary experience
and expertise.
ACI’s best-of-breed electronic payment
solutions are optimized to operate on
IBM hardware and take full advantage of
IBM infrastructure components. Together
we provide the solutions and services
institutions need to transform their
mission-critical payments business and
meet the challenges of the ever-changing
landscape of payments.
For more than 30 years, ACI has
supplied payment solutions to many
of the world’s largest, most progressive
financial institutions. Built to the highest
standards, and continually shaped by

a blue-chip customer base, ACI’s
integrated set of retail banking
applications provide a complete,
end-to-end solution for electronic
payments, including the following:
• Customer acquisition and management
• Payment origination and
transaction acquisition
• Authentication, authorization
and routing
• Risk management
• Dispute management
• Clearing and settlement
By combining ACI solutions with
industry-standard IBM servers and
software components, institutions can
consolidate multiple, disparate systems
into a single, collaborative hardware
IBM and ACI offer unparalleled expertise in
designing and optimizing payment systems
environment. This reduces the complexity
of the processing infrastructure and the
costs and risks associated with managing
multiple legacy systems.
Together, IBM and ACI provide
unparalleled, integrated payment solutions
designed to provide the best solutions
available in the market.
Unparalleled Services
More than just gold-standard software

and hardware solutions, the combination
of IBM and ACI means that institutions
can take advantage of decades worth
of expertise in designing, implementing
and optimizing payment systems. From
upfront consultancy, through design
and implementation, to optimization and
ongoing support, the IBM/ACI team is
dedicated to providing our clients with
unsurpassed services and support.
With this objective in mind, ACI and
IBM have formed the payments
transformation team.
Why Now?
• Continued pressure to control costs and improve margins
• Increased competitive pressures from nonfinancial institutions
• Innovation provides differentiation from other service providers
• The need to rationalize business services to provide a consistent customer experience
and enhance the ability to offer segmented services
• Increased need to “know your customer” to provide targeted services and campaigns
• Continued rise of electronic payment transaction volumes and displacement of cash
as new payment techniques emerge
• The need to keep pace with ever-changing regulations
• Increasing need to protect information
Drawing on the experiences of hundreds
of migration projects, the payments
transformation team is designed to
provide complete support services and
reduce the inherent risk involved in
payment system migrations. The team

uses a proven methodology based on a
library of reference architectures to
ensure customer projects are precisely
managed and that the resulting systems
meet their needs.
The payment transformation team is
involved in every aspect of the customer
migration, including the following:
• Strategy, assessment, scoping
and planning
• Development and customization
• Installation, testing and training
• Certification and tuning
• Deployment and ongoing support
Comprehensive, Best-of-Breed
Payment Solutions
ACI retail payment solutions provide
the key processing components of
an integrated, end-to-end electronic
payment processing environment. These
components can be implemented within
an integrated processing environment,
or they can be implemented as separate
applications depending on an
institution’s particular business
needs. ACI’s retail payment solutions
are optimized to operate on the IBM
System z platform. System z can deliver
the following benefits:
• Provides the system attributes

necessary for innovation and, in the
process, makes institutions more
competitive by improving efficiency and
compressing time-to-market
• Reduces complexity, putting institutions
in a better position to simplify new
product development processes
• Helps meet compliance needs through
its highly reliable, scalable, resilient and
open environment
• Allows the addition of processor
capacity and storage in real time,
without interruptions in response to
changing business requirements
ACI Proactive Risk Manager
BASE24-eps
ACI Payments Manager
ACI Dispute
Management System
ACI Smart
Chip Manager
ACI Commerce
Gateway
Networks
ACI Retail Payments Assets
Retail Payment Channels
IBM
Payments Director
WebSphere
Partner Gateway

Tivoli
WebSphere
Transformation Extender
WebSphere
Portal Server
WebSphere
Application Server
System z & zOS
WebSphere MQ Crypto Support
System z /
Cell BE Processor
IBM Assets IBM Assets
DB2
WebSphere
Process Server
WebSphere
Message Broker
IBM Payments Framework
for Financial Services
The diagram above represents a sampling of IBM and ACI payment capabilities which were available at the time of the alliance announcement December 17, 2007. Implementation will involve a
subset of these capabilities and potentially other offerings & capabilities not represented in the diagram. Please ask your ACI and IBM Sales Representatives for a detailed configuration proposal.
• Diminishes overall risk exposure,
enabling a shift in focus and resources
to market- and client-facing initiatives
• Provides a strong enterprise-wide
technology foundation on which
institutions can build governance
and risk management strategies
through business continuity and
service management.

Customer Acquisition and Management.
Often viewed as a back-office function,
the ability to dynamically manage
customer relationships has become
vitally important within the financial
industry. ACI’s solution allows issuers to
manage the complete life cycle of both
the customer and the associated card
products, including the following:
• Processing card applications
• Embossing the card, as well as initiating
PIN generation, PIN mailers, other card
security numbers and card carriers
• Generating personalization files
• Maintaining customer card and
account details
• Managing replacement of damaged,
lost and stolen cards
• Managing the card renewal cycle
For chip card implementations, ACI’s
modular, highly configurable chip card
component manages the entire life cycle
of any chip card and its applications,
including EMV applications.
Finally, flexible account-level structures
within ACI’s solution enables single
transaction instruments for multiple
accounts as well as multiple transaction
instruments for a single account.
Authentication, Authorization and

Routing. The ACI solution provides an
integrated payment engine to flexibly
acquire, authenticate, route, switch
and authorize financial transactions
from traditional channels such as ATM
and POS to more recent channels like
mobile payments. The authorization
functions can be scripted to support
authorization parameters based on an
institution’s business processes. The
solution is triple DES (3DES) compliant,
supports all leading payment cards, and
offers standard interfaces to leading
devices, switches and host systems.
ACI’s fault-tolerant application software
takes advantage of the best in IBM
systems software for reliability, availability,
scalability and high-performance
transaction throughput.
Risk Management. Supporting all
payment channels within the e-payment
environment, ACI’s system provides an
enterprise-wide fraud detection and risk
management solution that improves the
ability to detect and respond to fraudulent
activities. With the ability to proactively
monitor transaction activity in a real time
or near-real time environment, each
transaction can be evaluated and scored
based on real-life transaction activity. The

system is designed to improve the point of
detection and to reduce overall fraudulent
activity while maintaining a satisfactory
customer experience.
Dispute and Case Management.
ACI’s solution provides claims and
adjustment processing that focuses on
case management. Multiple disputed
transactions and the associated
processing can be combined in each
case with the system providing queue
management via parameterized system
processes. The system manages and
settles exception transactions — including
chargebacks, partial chargebacks and
re-presentments — while providing an
audit trail of operator actions to ensure
that staff members follow procedures.
Settlement and Back-Office Processing.
At the core of the e-payment environment
is the ability to accurately clear and settle
payments. The solution’s settlement
component automates many of the crucial
functions associated with validating and
settling funds between cardholders and
electronic funds transfer (EFT) networks.
It provides automated reconciliation
functions, fee processing, funds
movement and posting file creation.
Settlement functions also support the

creation and settlement of all exception/
chargeback transactions. For audit,
analysis and archive purposes, a full set
of reporting options is available.
About IBM and ACI
IBM and ACI Worldwide have joined
forces to create an end-to-end solution
for electronic payments powered by IBM’s
open technology. As part of the alliance,
ACI will optimize a new generation of
payment solutions on the IBM System z
platform with crypto-chip technology
and IBM DB2, WebSphere and Tivoli
software. The optimization supports the
convergence of retail and wholesale
payments through the use of service
oriented architecture (SOA), including
IBM’s Payments Framework.
ACI payments software running on
System z provides an SOA foundation
that opens up disparate payments
information to be shared across the
enterprise to support multiple software
applications and lines of business. In
addition to benefitting from the SOA
approach, institutions that bring their
payment transaction traffic to the System
z platform can also take advantage of
industry-leading security, reliability and
availability, as well as help reduce power

consumption and maintenance costs
through server consolidation.
• Reduced risk by selecting solutions from proven, global
solution providers
• Efficient project implementation drawing upon the expertise of
industry leaders
• Comprehensive electronic payment processing solutions
• Improved ROI with the ability to leverage resources, both human
and infrastructure, through system rationalization
• Improved time-to-market with the ability to introduce new
products quickly
• Improved efficiencies with integrated, enterprise-wide solutions
• Highly available solutions that can scale to meet increasing demands
• Sophisticated, open design to allow ease of modification and uplift
• Supports the full range of existing and future payment types
• Holistic approach to fraud management within a single system
Benefits of IBM and ACI Solutions