-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 VSqgYtTbZPfB7XQw30a98vvIQ3XcSXNcieHmcUavhOFBK3LA3oNpCyYEytEerVnM
 d/yk9IXdJtBSR4apT4uJ+Q==

<SEC-DOCUMENT>0001057709-04-000020.txt : 20040803
<SEC-HEADER>0001057709-04-000020.hdr.sgml : 20040803
<ACCEPTANCE-DATETIME>20040803155249
ACCESSION NUMBER:		0001057709-04-000020
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040803
FILED AS OF DATE:		20040803

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CARREKER CORP
		CENTRAL INDEX KEY:			0001057709
		STANDARD INDUSTRIAL CLASSIFICATION:	SERVICES-COMPUTER PROCESSING & DATA PREPARATION [7374]
		IRS NUMBER:				751622836
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			0131

	BUSINESS ADDRESS:	
		STREET 1:		4055 VALLEY VIEW LANE
		STREET 2:		STE 1000
		CITY:			DALLAS
		STATE:			TX
		ZIP:			75244
		BUSINESS PHONE:		9724581981

	MAIL ADDRESS:	
		STREET 1:		4055 VALLEY VIEW LANE
		STREET 2:		STE 1000
		CITY:			DALLAS
		STATE:			TX
		ZIP:			75244

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CARREKER ANTINORI INC
		DATE OF NAME CHANGE:	19980313

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			SIAS DAVID K
		CENTRAL INDEX KEY:			0001057718

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-24201
		FILM NUMBER:		04948511

	BUSINESS ADDRESS:	
		STREET 1:		14001 N DALLAS PKWY
		STREET 2:		STE 1100
		CITY:			DALLAS
		STATE:			TX
		ZIP:			75240
		BUSINESS PHONE:		9724581981

	MAIL ADDRESS:	
		STREET 1:		14001 N DALLAS PKWY
		STREET 2:		STE 1100
		CITY:			DALLAS
		STATE:			TX
		ZIP:			75240
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>edgardoc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2004-08-03</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0001057709</issuerCik>
        <issuerName>CARREKER CORP</issuerName>
        <issuerTradingSymbol>CANI</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001057718</rptOwnerCik>
            <rptOwnerName>SIAS DAVID K</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>4055 VALLEY VIEW LANE</rptOwnerStreet1>
            <rptOwnerStreet2>SUITE 1000</rptOwnerStreet2>
            <rptOwnerCity>DALLAS</rptOwnerCity>
            <rptOwnerState>TX</rptOwnerState>
            <rptOwnerZipCode>75244</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <derivativeTable>
        <derivativeTransaction>
            <securityTitle>
                <value>Non-Qualified Stock Option (right to buy)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>9.33</value>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2004-08-02</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>A</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>8141</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>9.33</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <value>2004-10-31</value>
                <footnoteId id="F1"/>
            </exerciseDate>
            <expirationDate>
                <value>2014-08-02</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>8141</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>8141</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeTransaction>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">This option will vest and be exercisable quarterly, on 10/31/04  25% vests and becomes exercisable, on 01/31/05  25% vests and becomes exercisable, on 04/30/05  25% vests and becomes exercisable, and 07/31/05  25% vests and becomes exercisable.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>By: /s/ Tod V. Mogan  For: David K. Sias</signatureName>
        <signatureDate>2004-08-03</signatureDate>
    </ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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