EXHIBIT 23.1

               CONSENT OF ERNST & YOUNG LLP, INDEPENDENT AUDITORS

    We consent to the incorporation by reference in the Registration Statement
on Form S-8 (No. 333-63517) pertaining to the Amended and Restated Carreker
Corporation 1994 Long Term Incentive Plan and the Carreker Corporation Director
Stock Option Plan of our report dated March 7, 2002, (except for Note 13, as to
which the date is April 5, 2002) with respect to the consolidated financial
statements of Carreker Corporation included in the Annual Report (Form 10-K) for
the year ended January 31, 2002 filed with the Securities and Exchange
Commission.

                                          /s/ ERNST & YOUNG, LLP

Dallas, Texas
April 11, 2002