ACI Worldwide

A Real-Time Balance Use Case That Meets Open Banking Requirements

No.1

Replace your internal real-time balance systems with UP® Retail Payments solution that:

Runs on Linux with commodity hardware

Adds non-card P2P, P2B, B2B payments to your card infrastructure

Utilizes payments orchestration and provides endpoint configuration to integrate across all your systems Enables

Enables authorization decisions to be scripted, not coded

Connects to your core banking system and communicates the way you need it to

No.2

Front-end your internal real-time balance system with UP® Retail Payments solution that:

Provides stand in and resiliency for 24x7x365 availability

Adds non-card P2P, P2B, B2B payments to your card infrastructure

Connects to your real-time balance systems and communicates the way you need it to

DOES THIS SOUND FAMILIAR?

YOU HAVE...

A batch-based core banking system, probably running on an aging mainframe architected in the days before real-time was even a thought in your mind

A self built authorization system that was built for cards and same-day processing needs, sitting in front of your core banking system, with your customer's balance updated throughout the day

Multiple systems for each of the many channels you offer have e.g. branch, ATM, POS, digital banking

You Know That...

Mainframes are an expensive platform for transaction processing in a continuously available environment

Assembler and COBOL are aging languages and finding adequate and economical replacement resources is nearly impossible

Today’s infrastructure systems and technology mix lead to high maintenance costs and inflexibility to enact rapid changes

But You Need To...

Support multiple new channels for real-time, immediate P2P, P2B, B2B payments — all requiring access to your customers’ accounts for an up-to-date, accurate available balance to make decisions or provide information

Good News!

You already have the keys to a solution that is flexible enough to give you 2 options for providing a seamless service to customers demanding real-time availability and accuracy

Click To See What's Behind Door

No.1

Click To See What's Behind Door

No.2

So, What's Stopping You?

Ready to utilize technology that you already own to bring your real-time balance system into the modern, real-time world?

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