BASE24-eps Product Update

Dave Pearson

18 December 2012 Confidential 1

Agenda

ACI Retail Solution / BASE24-eps overview

BASE24-eps features and differentiators
Supporting solutions overview
Summary and Q&A

18 December 2012 Confidential 2

 ACI Retail Solution / BASE24-eps
overview

18 December 2012 Confidential 3

ACI Retail Payments Solution

ATM, POS, authorisation networks, retail banking core systems

Authorisations

ISO8583 auths interface

Acquired
transactions

Card and mobile personalization

Merchant Cardholder
postings postings

Payment scheme clearing and settlement

18 December 2012 Confidential 4

Evolution supported by the ACI Reference Architecture

Be the leading provider of a unified

payment solution

ACI Software Development Kits (SDK)

ACI payment services bus using a service-oriented

architecture

ACI product interoperability

Unified hardware platform

18 December 2012 Confidential 5

BASE24-eps Product Overview

An integrated e-payments engine featuring advanced authorization,

authentication, routing and device management services
Flexibly acquires, routes, authenticates and
ATM, POS, IVR, OLB, MC, Visa, Host
authorizes Electronic Payment Transactions Teller, Kiosk Mobile, Web Amex, etc. Systems
Multi-channel
ATM, POS, Kiosk, Teller, OLB, Mobile, etc.
Interfaces to national and international networks
Communications Layer
Authorization Script Engine improves time-to-
market for new products and features and Device Transaction API Switch Intelligent Host
Management Issuer & Acquirer Connectivity Connectivity
reduces implementation and maintenance
efforts

Highly configurable Scripted Authorization Advanced Routing

Open System Design (C++, Java, OOAD, Web

Transaction Engine - Business Function Layer
Services Messaging) allows for SOA Issuer, Acquirer, and Switch
Implementations
Common Low-level Functions Layer
Open platform for Hardware platform independence

Highly scalable and reliable Operating System and Database Specific Layer

Integration with ACIs fraud solution, back office IBM Sys z IBM Sys p Hp-NonStop SUN
DB2 DB2 / C-Tree Enscribe C-Tree
solutions and monitoring solutions

REDUCES
REDUCES TCO
TCO WHILE
WHILE ENHANCING
ENHANCING BUSINESS
BUSINESS FUNCTIONALITY
FUNCTIONALITY

18 December 2012 Confidential 6

BASE24-eps Success Stories

Credit
Credit Agricole
Agricole Cards
Cards &
& Central
Central Bank
Bank of
of Oman
Oman
Payments
Payments
For
For aa project
project as
as critical
critical to
to our
our national
national
Implementing
Implementing aa system
system to to drive
drive aa infrastructure as a new national
infrastructure as a new national
22,000
22,000 ATM
ATM network
network and and achieve
achieve cost
cost switch,
switch, it
it was
was essential
essential wewe worked
worked
reductions
reductions by
by consolidating
consolidating its its with
with suppliers
suppliers we
we could
could trust,
trust, who
who
systems,
systems, providing
providing aa standard
standard had
had proven,
proven, scalable
scalable andand reliable
reliable
platform
platform for
for its
its international
international technology
technology thatthat we
we knew
knew could
could meet
meet
operations
operations and give it
and give it the
the flexibility
flexibility our
our current
current and
and future
future demands.
demands.
and
and scalability to add new services
scalability to add new services
and
and support
support volume.
volume.

European
European Bank
Bank Completed
Completed BASE24
BASE24 European
European Financial
Financial Institution
Institution Multi-
Multi-
to
to BASE24-eps
BASE24-eps Migration
Migration country
country consolidation
consolidation

migration
migration from
from BASE24
BASE24 to to BASE24-
BASE24-
consolidation
consolidation ofof existing
existing solutions
solutions onto
onto
eps.
eps. Fully
Fully live.
live. BASE24
BASE24 no no longer
longer in
in BASE24-eps. Switching and
BASE24-eps. Switching and acquiringacquiring
across
across multiple
multiple European
European countries
countries with
with
use
use since
since Jan
Jan 2012.
2012. Includes
Includes ATM
ATM rollout
rollout plans
plans for
for additional
additional business
business
driving,
driving, scheme
scheme connectivity
connectivity and
and requirements
requirements andand additional
additional countries.
countries.
interfaces
interfaces to
to other
other systems.
systems.

18 December 2012 Confidential 7

 BASE24-eps features and
differentiators

18 December 2012 Confidential 8

 Application Architecture

Architecture
Integrated Server components are C++ objects that perform a specific
business, foundation, or platform-specific function.
ATM POS Web Interchange Host

Business Components
Limits Merchant

Journal Perusal Authorisation Journal

Scripted
Account Transaction
Control
Prefix Extract Router
Institution

Foundation Components
Messaging Data Access Date/Time Event Timer

System Interface Services

18 December, 2012 Confidential

 Routing and Authorisation

Flexible routing configuration results in far less customisations

Routing can be configurable by
- Acquirer
- Issuer
- Processing code
- From/to account types
- Authentication method
- Floor limit
Routing destinations may include
- Internal authorisation (BASE24-eps Scripts)
- External issuing end-points (Hosts, Card Schemes etc)
File update messages are supported (interface dependant)
Pre-screening with BASE24-eps pre screen scripts
Advices
Routing to more than one destination
STIP
Ease of integration with other systems

18 December, 2012 Confidential

The Authorisation Scripting Engine

Router
Scripts have built-in
Router determines script selection access to transaction
data elements and
PAN authorisation data
Tran. Amount
Currency Code
Country Code Auth
Data
Etc
Etc
Transaction Data Elements
Built-
Built-in Functions Scripts written in
JavaScript-
JavaScript-like
Script Engine syntax

e.g. card lookup, PIN

verification

18 December 2012 Confidential 11

 Limits and Usage

BASE24-eps transaction limits are user-defined limits on transaction activity

allowed on accounts and payment-instruments (cards)

Transaction limits are implemented using authorisation scripts

You can create transaction limits for any type of transaction activity you want
to limit

Transaction limits are typically defined relative to a particular span of time

called a usage period.

Transaction limits can be defined in two basic forms:

- A maximum monetary amount that can be approved during a single
usage period for some type of transaction activity.
- A maximum number of occurrences that can be approved during a single
usage period for some type of transaction activity.

BASE24-eps transaction limits are configured using limit profiles

18 December, 2012 Confidential

Multi-Channel

Card authorisation
Account authorisation Host
Systems

Customer authorisation
Voice authorisation MC, Visa,
Amex, etc.

Device drivers
Host interfaces IVR, OLB,
Mobile, Web

Scheme interfaces
ATM, POS,
XML Teller, Kiosk

Web services

18 December, 2012 Confidential

 Comprehensive functionality card schemes

NETWORK INTERFACES

ABI ISO (Italian) FDR ISO (US)

ACCEL/Exchange* (US) Fifth Third (US)
AFFN* (US) German GICC
American Express CAPN (US/CDN) German ISO
AS2805 (Australia) JCB (Japan)
American Express GNS Jeanie* (US)
Artajasa (Indonesia) KNET (Kuwait)
Bank of America Merchant Services (US) Link (UK)
Banknet* MDS Debit and Credit*
Circuit (Canada) MNET (Pakistan)
CUP (China) NetWorks (US)
DIAS (Greece) NYCE* (US)
Discover (US) Presto (US)
Benefit (Bahrain) Pulse* (US)
CO-OP (US) SAMA SPAN2 (Saudi Arabia)
CU24* (US) Shazam (US)
EFD (eFunds) (US) STAR* (US)
Elan (US) UAE (United Arab Emirates)
e-RSB (France) Visa DPS* (US)
EQUENS (NLs) VisaNet SMS/BASE I*
Price (Spain)

18 December, 2012 Confidential

Comprehensive functionality - devices

ATM POS
Diebold APACS
NCR NDC+ German POS
Wincor NDC Hypercom
Wincor DDC SPDH
Triton AS2805
Tidel
IFX HSM
Atalla Network Security Processors
Banksys DEP
Bull Crypt2Pay
IBM Cryptographic Coprocessors
SafeNet (Eracom) ProtectHost
Thales Host Security Modules

18 December, 2012 Confidential

Comprehensive integration features

Integration with ACI solutions

Standard host and other interfaces
Scriptable near real time feed
Real time and near real time fraud interface
Split routing to multiple destinations
ICE-XS, Web Access Services for SOAP, XML, etc

18 December, 2012 Confidential

Proven scalability and reliability in production

Deployment options
High availability
Active / Passive
Active / Active
All proven in production
Transaction volumes
Over 2,000 tps in benchmarks
Over 1,000 tps in production

18 December, 2012 Confidential

 Supporting Solutions

18 December 2012 Confidential 19

A range of solutions, integrated with ACI applications

ASSET Test Tool and Testing Services

Automated functional and performance testing
Test packs supported in line with scheme mandates
Expert test services
ACI Payment Service Management
Powered by Prognosis
Monitoring and business performance platform
ACI Communication Services
ICE-XS
Web Access Services
Enterprise security services
GoldenGate
Data replication
Spectrum MoneyGuard
SMS alerting

18 December 2012 Confidential 20

 Summary

18 December 2012 Confidential 21

BASE24-eps summary

Flexibility
Configuration
Scripting (auth, extract, journal, perusal)
Limits / usages
Routing
Profiles
Not card centric
Functionality
Global
Multi-language
Interoperability
Standalone or highly integrated
Other ACI solutions
Online extract (near-real-time feed)
Split routing
Pre-screen, impacting
18 December 2012 Confidential 22
BASE24-eps summary

Performance and Architecture

Multi-platform
Data Partitioning (e.g. journal / card)
Ease of tuning and balancing
Benchmarked to over 2000 tps
Maintenance
Customisation methodology
Service packs
Upgrades
Frameworks

18 December 2012 Confidential 23

 Q&A

18 December 2012 Confidential 24

Our software underpins electronic
payments throughout retail and
wholesale banking, and commerce,
all the time, without fail.

www.aciworldwide.com