Fiserv, Inc. provides financial services technology. The company provides account processing systems; electronic payments processing products and services, such as electronic bill payment and presentment, card-based transaction processing and network services, ACH transaction processing, account-to-account transfer products, and person-to-person payments; Internet and mobile banking systems; and related services, including document and payment card production and distribution, check processing and imaging, source capture systems, and lending and risk management products and services. The company serves approximately 16,000 clients worldwide, including banks, thrifts, credit unions, investment management firms, leasing and finance companies, retailers, merchants, and government agencies. Its operations are principally located in the United States where it operates data and transaction processing centers, develops software, performs item processing and check imaging, and provides technology support. The company also owns a 49% interest in StoneRiver Group, L.P. In January 2013, the company acquired Open Solutions Inc. (Open Solutions), a provider of account processing technology for financial institutions. Open Solutions serves approximately 3,300 clients worldwide, including approximately 800 account processing clients located primarily in the United States and Canada. Open Solutions’ primary account processing product, DNA, is designed to enable financial institutions to add and customize ancillary solutions using its applications feature. Principal Solutions and Services PAYMENTS The businesses in the company’s Payments segment provide financial institutions and other companies with the products and services required to process electronic payment transactions and to offer their customers access to financial services through digital channels. Within the Payments segment, it primarily provides electronic bill payment and presentment services, debit and other card-based payment products and services, Internet and mobile banking software and services, and other electronic payments software and services, including account-to-account transfers and person-to-person payments. The company’s businesses in this segment also provide investment account processing services for separately managed accounts, card and print personalization services, and fraud and risk management products and services. Electronic Banking The company’s electronic banking business includes electronic bill payment and presentment services, biller services, digital channel services, and other electronic payments services, such as person-to-person payments and account-to-account transfers. Electronic Bill Payment and Presentment: The company’s principal electronic bill payment and presentment product, CheckFree RXP, allows its clients’ customers to manage household bills through an online tool; to view billing and payment information; to pay and manage all of their bills in one place; to experience the speed of payment they might have at a biller’s site; and to make next-day payments to majority of the companies with which they do business. Biller: The company’s biller business provides electronic billing and payment services to companies that deliver various bills to their customer base, such as utilities, telephone and cable companies, and insurance providers. Consumers use its electronic billing and payment systems by viewing or paying a bill through a financial institution’s bill pay application, use of a biller’s Website, mobile application or automated phone system, www.mycheckfree.com or by paying in person at 1 of its 25,000 nationwide walk-in payment locations at retail stores operated by its partners. Digital Channels: The company’s principal online consumer and business banking products for financial institutions include Corillian Online and Corillian Business Online. Both built on the Corillian platforms, these software applications support multiple lines of banking businesses. The company’s Mobiliti product provides various mobile banking and payments services, including balance inquiry, transaction history, bill pa