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ACI Worldwide inc. provides electronic payments and financial message processing solutions for financial institutions, banks, retailers, and payment processors worldwide. It offers software solutions to route and authorize electronic payment transactions; detect fraud and money laundering; issue and manage magnetic stripe and smart cards; deliver secure electronic correspondence; and automate payment settlement and claims processing. The company was incorporated as Applied Communications, Inc. in 1975 and changed its name to ACI Worldwide, Inc. in 1993.