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Product Overview

ACI Issuer is a multi-platform card and account management system designed for financial institutions. It provides the core functionality for issuing and managing payment cards, including credit, debit, and prepaid cards. The system addresses the business problem of efficiently managing high volumes of card transactions and account data.

ACI Issuer runs on both z/OS (mainframe) and UNIX platforms, utilizing DB2 or Oracle databases. The architecture of ACI Issuer includes several key components: the card management module, the account management module, and the transaction processing engine. These components communicate through internal APIs and messaging queues.

The system supports various authentication methods, including username/password, multi-factor authentication, and integration with external identity providers. Access control is based on roles and permissions, ensuring that users only have access to the resources they need. ACI Issuer integrates with enterprise ecosystems through its APIs, allowing data exchange with core banking platforms, fraud detection systems, and CRM systems.

The system is typically deployed on-premise or in a hybrid environment. Alternatives to ACI Issuer include Fiserv Card Services, FIS Payments, and Temenos Card Management.

Frequently Asked Questions

What does ACI Issuer do?

ACI Issuer is a card and account management system designed for financial institutions. It handles the processing and management of credit, debit, and prepaid cards, as well as associated account information. It provides the core functionality needed to issue and manage payment cards.

Is this a system, application, or tool?

ACI Issuer is a multi-platform client/server application. It is a system that provides the core functionality for card issuing and account management, rather than a simple tool or framework. It provides a complete solution for managing the lifecycle of payment cards.

What types of organizations use this?

ACI Issuer is suitable for financial institutions of various sizes, particularly those involved in issuing and managing payment cards. This includes banks, credit unions, and other organizations that offer card-based payment services. Organizations needing robust card management capabilities would benefit.

When should we consider ACI Issuer?

A company should consider ACI Issuer when they need a comprehensive system for managing card issuing and account processing. This includes scenarios such as launching a new card program, replacing an outdated system, or expanding existing card management capabilities. It is especially relevant when needing to support a high volume of transactions.

What are the alternatives to ACI Issuer?

Alternatives to ACI Issuer include other card management systems such as those offered by Fiserv, FIS, and Temenos. These systems provide similar functionality for card issuing and account management. The specific features and capabilities vary between products.

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