PKO BANK POLSKI ADDS MOBILE TOP-UP AND TRIPLE DES SECURITY TO ATM NETWORK WITH ACI SOFTWARE

ACI to support enhanced ATM services and security as Poland's largest bank gains EU member status.

(Watford, UK - May 5, 2004) - ACI Worldwide, a leading international provider of enterprise payment solutions, today announced that PKO Bank Polski (PKO BP), the largest bank in Poland, chose ACI software to support the addition of mobile top-up functionality to its ATM network. PKO BP will use ACI software to manage the online authorisation of mobile top-up payments at the ATM to increase revenue and improve cash flow. ACI is also supporting PKO BP's implementation of Triple DES, the ATM security standard mandated by the major card networks. In addition, PKO BP will implement ACI's Automated Key Distribution System (AKDS) and the enhanced services architecture of ACI's Transaction Security Services (TSS).

PKO BP already uses ACI's BASE24-atmâ software to authorise, route and switch transactions across its network of nearly 1,800 ATMs. Using extensions to its existing BASE24 software, PKO BP will deliver real-time, online authorisation of ATM payments for pre-pay mobile top-up transactions. This will improve cash management as currently the bank purchases mobile vouchers in advance to meet expected demand levels. ACI will team with sister company Insession Technologies to deliver the solution, as BASE24 will communicate with mobile phone operators via Insession's WebGate software. WebGate provides the interface between both parties using HTTP and XML to facilitate requests and transfer information.

"In Poland, as in the rest of Europe, the number of pre-pay mobile phone customers continues to rise," said Marek Schmidt, director of IT systems for
card operations, PKO BP. "Working with ACI Worldwide, we now have the capability to offer mobile top up to our customers through the trusted ATM
channel and will work closely with ACI to investigate additional ATM payment
services."

PKO BP will deploy ACI's TSS module to help prepare its ATM network for Triple DES compliance. International card issuers are pushing the introduction of the Triple DES security standard to address ATM cryptography security concerns. TSS is powered by an enhanced services architecture, designed to manage all cryptographic functions such as PIN verification and chip authentication. Using TSS, PKO BP can deploy Triple DES quickly and integrate it seamlessly with the existing BASE24-atm infrastructure.

PKO BP plans to automate and centralise the distribution of ATM secure numeric keys using ACI's AKDS, also based on the enhanced services technology. By introducing an electronic method of managing and distributing keys, banks can centralise this process to improve operational efficiency and reduce costs. Typical costs for managing keys manually include labour costs of key custodians, secure storage, site visits to enter the key into the back of an ATM, and administration costs of maintaining procedures. This change will help improve ATM security and reduce the risks associated with human error which could significantly increase under Triple DES compliance.

"As one of the dominant financial services providers in Eastern Europe, PKO BP wanted to update its ATM infrastructure prior to Poland joining the EU," said Rod Bungey, regional sales manager, Eastern Europe, ACI Worldwide. "The ability to implement the complexity of Triple DES and the associated key management strategy quickly and reliably was an important factor. The flexibility and scalability of BASE24 and the additional components will allow PKO BP to adapt to the changing economic and customer demands expected with EU member status."

Combined with the flexibility of the enhanced services components, BASE24 provides PKO BP with an infrastructure easily adaptable to new technologies.
BASE24, the enhanced services modules and WebGate will operate on an HP NonStop(tm) platform to ensure 24 x 7 support for the new ATM network additions.

For more information contact:
John Walker
ACI Worldwide
+44 1923 812741

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