Ownership Submission
FORM 4
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940
OMB APPROVAL
OMB Number: 3235-0287
Expires: January 31, 2005
Estimated average burden hours per response... 0.5

(Print or Type Responses)
1. Name and Address of Reporting Person *
BREAM ROBERT W
   2. Issuer Name and Ticker or Trading Symbol
CERTEGY INC [CEY] 		5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
SVP and Group Executive
(Last)
(First)
(Middle)
11720 AMBER PARK DRIVE, SUITE 600		 3. Date of Earliest Transaction (Month/Day/Year)
11/04/2004
(Street)

ALPHARETTA, GA 30004		 4. If Amendment, Date Original Filed(Month/Day/Year)
 6. Individual or Joint/Group Filing(Check Applicable Line)
_X_ Form filed by One Reporting Person
___ Form filed by More than One Reporting Person
(City)
(State)
(Zip)
Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1.Title of Security
(Instr. 3)		 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code
(Instr. 8)		 4. Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4 and 5)		 5. Amount of Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 3 and 4)		 6. Ownership Form: Direct (D) or Indirect (I)
(Instr. 4)		 7. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code V Amount (A) or (D) Price
Common Stock 11/04/2004   M   9,366 A $ 24.54 39,133 D  
Common Stock 11/04/2004   S   9,366 D $ 35.1012 29,767 D  
Common Stock 11/04/2004   M   5,104 A $ 32.55 34,871 D  
Common Stock 11/04/2004   S   5,104 D $ 35.1012 29,767 D  
Common Stock 11/04/2004   M   33,333 A $ 18.97 63,100 D  
Common Stock 11/04/2004   S   33,333 D $ 35.1012 29,767 D  
Common Stock 11/04/2004   M   21,687 A $ 18.97 51,454 D  
Common Stock 11/04/2004   S   21,687 D $ 35.1012 29,767 D  
Common Stock 11/04/2004   M   2,500 A $ 24.87 32,267 D  
Common Stock 11/04/2004   S   2,500 D $ 35.1012 29,767 D  
Common Stock 11/04/2004   M   825 A $ 29.46 30,592 D  
Common Stock 11/04/2004   S   825 D $ 35.1012 29,767 D  
Common Stock 11/05/2004   M   15,343 A $ 18.97 45,110 D  
Common Stock 11/05/2004   S   8,400 D $ 35.4 36,710 D  
Common Stock               89.11 I By 401(k) Plan

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB control number. SEC 1474 (9-02)

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 3)		 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year) 3A. Deemed Execution Date, if any (Month/Day/Year) 4. Transaction Code
(Instr. 8)		 5. Number of Derivative Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4, and 5)		 6. Date Exercisable and Expiration Date
(Month/Day/Year)		 7. Title and Amount of Underlying Securities
(Instr. 3 and 4)		 8. Price of Derivative Security
(Instr. 5)		 9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 4)		 10. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 4)		 11. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares
Employee Stock Option (right to buy) $ 24.54 11/04/2004   M     9,366 02/07/2003 02/07/2013 Common Stock 9,366 $ 0 0 D  
Employee Stock Option (right to buy) $ 32.55 11/04/2004   M     5,104   (1) 02/04/2011 Common Stock 5,104 $ 0 14,897 D  
Employee Stock Option (right to buy) $ 18.97 11/04/2004   M     33,333   (2) 09/23/2012 Common Stock 33,333 $ 0 66,667 D  
Employee Stock Option (right to buy) $ 18.97 11/04/2004   M     21,687   (3) 09/23/2012 Common Stock 21,687 $ 0 7,229 D  
Employee Stock Option (right to buy) $ 24.87 11/04/2004   M     2,500   (4) 03/24/2013 Common Stock 2,500 $ 0 2,500 D  
Employee Stock Option (right to buy) $ 29.46 11/04/2004   M     825   (5) 06/16/2013 Common Stock 825 $ 0 825 D  
Employee Stock Option (right to buy) $ 18.97 11/05/2004   M     15,343   (6) 09/23/2012 Common Stock 15,343 $ 0 5,271 D  

Reporting Owners

Reporting Owner Name / Address Relationships
 Director  10% Owner  Officer  Other
BREAM ROBERT W
11720 AMBER PARK DRIVE
SUITE 600
ALPHARETTA, GA 30004		       SVP and Group Executive  

Signatures

 Pamela Tefft, as Attorney-in-Fact for Robert W. Bream, pursuant to a Power of Attorney on File   11/08/2004
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 4(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1) The option consisting of 20,001 shares vests in four installments as follows: 5,104 shares on 2/4/2004, 5,104 and 4,689 shares, respectively, on 12/31/2004, 12/31/2005 and 12/31/2006.
(2) The option consisting of 100,000 shares vests in two installments as follows: 33,333 shares on 1/28/2004 and 66,667 shares on 9/23/2009.
(3) The option consisting of 28,916 shares fully vests in four equal annual installments of 7,229 shares each beginning on 9/23/2002, which was the date of grant.
(4) The option consisting of 5,000 shares fully vests in two equal annual installments of 2,500 shares each beginning on 3/24/2004, which was the first anniversary of the date of grant.
(5) The option consisting of 1,650 shares fully vests in two equal annual installments of 825 shares each beginning on 6/16/2004 which was the first anniversary of the date of grant.
(6) The option consisting of 21,084 shares vests in four equal annual installments of 5,271 shares each beginning on 9/23/2002, which was the date of the grant.

Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.

Potential persons who are to respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB number.