ONLINE RISK TOOL, BALANCE RISK AND OPPORTUNITY, REDUCE MANUAL REVIEWS AND CHARGEBACKS. • SAFELY EXPAND INTO NEW MARKETS

1. • BALANCE RISK AND OPPORTUNITY
• REDUCE MANUAL REVIEWS AND
CHARGEBACKS
• SAFELY EXPAND INTO NEW MARKETS
PRODUCT FLYER
ACI ReD SHIELD®
ENSURES MAXIMUM
SECURITY COMPLIANCE
Consumers are engaging with
merchants through multiple channels,
using an ever-expanding choice of
payment methods. With the demand
for ever-faster order fulfillment,
within and across borders, this brings
heightened exposure to fraud risk
and increased complexity for fraud
management.
To protect and grow business online,
merchants need a fraud prevention and
risk management solution that is closely
tailored to their individual needs and
capable of changing as the business
changes. A solution that enables
genuine orders and promotes customer
loyalty, while reducing fraud losses and
keeping costs to a minimum.

2. 2
ACI ReD Shield® is a real-time fraud prevention
solution tailored to the requirements of major
eCommerce merchants and payment service
providers (PSPs). Delivered as a managed service
through an expert team of experienced risk
analysts, ACI ReD Shield provides instant decisions
(accept/challenge/deny) on eCommerce and
mCommerce transactions.
ACI ReD Shield:
• Enables merchants to reduce chargeback rates
and false positives, maximizing revenues
• Reduces the time and costs associated with
manual reviews
• Makes it easy for customers to buy, enhancing
the customer experience and encouraging repeat
business
• Helps merchants successfully migrate customers
across channels, creating a positive multi-channel
experience
• Helps merchants safely expand into new markets
• Delivers customized, business-focused fraud
mitigation strategies
ACI ReD Shield detects and manages both
domestic and cross-border retail payments
transaction fraud across multiple sectors. The
solution detects fraud across all payment types and
protects payment transactions that are accepted
over the internet, via mail order, telephone order or
through interactive TV.
ACI ReD Shield is a multi-tiered fraud solution,
utilizing multiple advanced technologies to ensure
that valuable transactions are processed while
potentially fraudulent ones are identified and
isolated. The solution combines unlimited rules with
other data attributes, enhanced through the use of
neural models, to deliver a holistic business solution
that manages down fraud and chargebacks.
The ACI ReD Shield service is designed to support
the business success of its customers — to protect
revenues, support growth and enhance customer
experience. Holding down false positives and
reducing the need for manual reviews are key
criteria against which ACI assesses the value of this
service.
MANAGED BY EXPERTS
Managed by expert risk analysts, ACI ReD Shield
provides merchants and PSPs with the latest fraud
prevention tools and techniques without the need
to invest in technologies and resources.
It is the expertise of ACI’s fraud and risk analysts
that differentiates ACI. ACI’s customers remain in
control, while its analysts ensure that the ACI ReD2
ACI RED SHIELD® IS A MULTI-
TIERED FRAUD SOLUTION,
UTILIZING MULTIPLE ADVANCED
TECHNOLOGIES TO ENSURE
THAT VALUABLE TRANSACTIONS
ARE PROCESSED WHILE
POTENTIALLY FRAUDULENT
ONES ARE IDENTIFIED AND
ISOLATED.

3. 3
Shield service is precisely tailored to individual
customer needs. Analysts actively manage all
customized parameters, working in partnership with
the customer to define and refine fraud prevention
strategies, conduct in-depth risk assessments,
and anticipate and respond to changing patterns
of fraud. The team is a global one, giving them an
unrivalled view of fraud patterns and trends and
ensuring that ACI can support customers anywhere
in the world.
ACCESS TO GLOBAL FRAUD DATA
Through its managed service, ACI delivers the
benefits associated with its unrivalled access to
data and its ability to connect merchants, acquirers
and issuers — through the ACI ReD Fraud Xchange™
service — in the fight against fraud. ACI holds its
own continuously updated, proprietary screening
database, which it can use to accept, challenge or
deny transactions for its customers. ACI holds an
extensive global BIN list and receives the industry
hot card file on behalf of U.K. Payments. The
richness of data informs ACI’s experts, enables
ACI’s solutions and benefits ACI’s customers.
Merchants can access the ACI ReD Fraud Xchange
service through the ACI RFX Club™, membership of
which provides for the re-screening of live orders
against new fraud intelligence received into the ACI
database.
ACI ReD Shield customers are also able to monitor,
review and report on their transaction data through
the ACI ReDi™ business intelligence portal, a
powerful self-service tool that can help enhance
fraud team performance and inform wider business
strategies.
SUPPORTING INDUSTRY LEADERS WORLDWIDE
ACI and ACI ReD Shield are trusted by some of
the world’s biggest brands. ACI’s customer base
includes leading retailers, telecommunications
companies, airlines, travel and gaming companies,
and other major eCommerce merchants. As part
of the ACI ReD Shield service, each customer has a
dedicated account manager and a comprehensive
customer support program.
ACI ReD Shield incorporates:
• Proprietary pattern detection engines: For
protection against sophisticated brute force
attacks
• Advanced artificially intelligent neural
networks: To analyze non-linear relationships
between consumer spending patterns
• Largest shared negative and positive database:
Including shared merchant data, lost or stolen
credit card databases, shared information from
chat rooms, blogs and forums
• Real-time location analysis: Including advanced
IP geo-location, proxy piercing and device ID
• Post real-time batch analysis: To identify fraud
trends that emerge over time
• Link analysis (spider searching): Visual display
and drilldown capability to identify anomalies
• Autopilot: To temporarily or permanently block
transaction elements automatically
• Auto analyst: Enabling customers to configure
rules for automated resolution of alerts, to
manage staffing and alert levels, and false
positives
• Time on file: Providing an indication of
the familiarity of an individual related to a
transaction
SOURCES OF ACI’S FRAUD INTELLIGENCE
• ACI ReD Shield merchant-confirmed frauds and
blacklisting
• Issuer, scheme and chargeback files
• Country-specific industry hot card files
• Stolen personally identifiable information sold
within online forums

4. 4
ACI Worldwide, the Universal Payments company,
powers electronic payments and banking for more
than 5,000 financial institutions, retailers, billers
and processors around the world. ACI software
processes $13 trillion each day in payments and
securities transactions for more than 250 of the
leading global retailers, and 21 of the world’s 25
largest banks. Universal Payments —  — is ACI’s
strategy to deliver the industry’s broadest, most
unified end-to-end enterprise payment solutions.
Through our comprehensive suite of software
products and hosted services, we deliver solutions
for payments processing; card and merchant
management; online banking; mobile, branch and
voice banking; fraud detection; trade finance; and
electronic bill presentment and payment. To learn
more about ACI, please visit www.aciworldwide.
com. You can also find us on Twitter
@ACI_Worldwide.
REVOLUTIONIZES
PAYMENTS
www.aciworldwide.com
Americas +1 402 390 7600
Asia Pacific +65 6334 4843
Europe, Middle East, Africa +44 (0) 1923 816393
© Copyright ACI Worldwide, Inc. 2014
ACI, ACI Payment Systems, the ACI logo, ACI Universal Payments, UP,
the UP logo, ReD and all ACI product names are trademarks or registered
trademarks of ACI Worldwide, Inc., or one of its subsidiaries, in the United
States, other countries or both. Other parties’ trademarks referenced are
the property of their respective owners.
AFL5643 12-14
• Customer service interface (CSI): Web-based
interface tool enabling analysts to review
transactions, determine why they received an
accept/deny/challenge response; providing
automatic, real-time blocking capabilities
• Case manager: Creating a customized order
review workflow with fully configurable order
queues
• Rule manager: Enabling customers to review
and manage rules and make independent rule
changes
• Advanced account validation: Including name,
address, email and phone number validations
• Automated chargeback processing: Providing
the foundations for automated reporting of fraud
trends
• Chargeback management service: For
screening, reporting and adjustment of risk
strategies to reduce chargebacks and false
positives
• Value-added services: Links to third-party
services, including advanced authentication and
verification, device ID, compliance list checking,
etc.
• Reporting: Near-real-time reporting via the
CSI or email