TRANZWAREONLINE

www.compassplus.com

TranzWare Online also provides complete support for POS processing, including support for many POS device types, multiple transaction types, and a number of POS device handling terminal protocols.TranzWare Online is scalable and proven to enable exceptional performance of POS and ATM networks of any size (from a dozen to thousands) offering full compliance with all major payment associations.

POS Terminal and ATM Network Configuration Screens

As the hub of a transaction processing environment, TranzWare Online can seamlessly integrate with TranzWare CMS (back office system) and other core and auxiliary TranzWare products, as well as with other third-party components and systems that are already in place.

Routing Parameters Setup and Card Status Modification Screens

A high-performance scalable multi-card processing solution enabling efficient electronic funds transfer, inter-network switching and handling an unlimited number of devices and delivery channels.

Choosing a system that meets the requirements of today is relatively easy, the real challenge lies in finding one that is flexible enough to meet the demands and requirements of the future. It is a well-known fact that key systems to any retail banking operation such as front or back office are reluctantly replaced due to the tremendous time, human and financial resources involved in this process. Therefore, it is imperative to invest in not only a customisable and technologically superior system but also in one that is «futureproof».

TranzWare Online is a highly efficient, fault-tolerant engine for switching, parametric routing and authorisation of electronic payment transactions as well as for terminal network driving. TranzWare Online was specifically designed to deliver great flexibility and options for system expansion unrestricted by hardware, operating system, networks and host systems, financial products, types of transactions, devices and delivery channels. Its flexibility lies in its advanced customisation facilities as customers can configure TranzWare Online to perfectly suit their own existing and/or forecasted processing environment. TranzWare Online offers an extensive functionality for managing ATM networks thanks to its object-oriented development technology. The product provides ATM handling (parameter loading, device handling, performing such operations as payments, currency exchange, Cash-In, etc.), transaction routing, configuration (screen editing, scenario building, configuration of fees, etc.), cash planning, maintenance personnel notification (via various channels) and many more features.

TranzWare Online incorporates a sophisticated scalable ATM monitoring system that includes graphical features such as map navigating, ATM state displaying, etc. The system allows customers to analyse/compute network status and respond to any changes in an appropriate and efficient way.

TranzWare Online supports a user-friendly graphical interface for ATMs and an extensive set of transactions and cards (technology- and business-wise and including EMV), therefore, ensuring a wide spectrum of quality service is offered to customers.

TranzWare Online also has an alternative ATM monitoring and management module - TranzWare Online ATM Monitoring, developed specifically for banks or ATM deployers that own large and extra large distributed ATM networks, management of which demands much more comprehensive tools. This module takes ATM network management to a completely new level. The innovative instruments built into the system deliver a competitive advantage by means of parameterised productivity control mechanisms and the ability to optimise network service costs. The ATM Monitoring module provides a higher level of scalability and flexibility, enables equally effective real-time monitoring and in-depth analysis of the whole network, groups of terminals and one ATM – all in various data cross-sections.

In addition to the standard features, TranzWare Online has innovative and advanced functionalities such as the development of user-defined algorithms for system management (TranzWare Online Algorithmix) and remote access to a processing centre via WEB interface (TranzWare Online FIMI).

TranzWare Online Financial Institution Maintenance Interface (FIMI) is an advanced management tool providing a remote access to the resources of a financial institution’s processing centre and enabling its personnel to control, monitor and manage the status of ATMs, POS terminals, transaction flows, view transaction and event logs, manage stop lists, etc. Additionally, the issuer part of FIMI allows customers to monitor and manage cards, accounts, customers, limits, currency exchange rates and performs any Back Office information requests. FIMI’s WEB interface works with Microsoft Internet Explorer 6.0 on operators’ workstations. TranzWare Online FIMI does not require the installation of additional software on the client’s side therefore reducing TCO.

TranzWare Online Algorithmix is an advanced user empowerment tool that allows system administrators to create their own rules that influence business logic of the system, for example, ATM scenario flow. At a certain state, for example, the ATM can check whether a cardholder using its facilities has their birthday today; if so a business rule can direct this ATM to a certain scenario branch so that it plays the “Happy Birthday” tune, displays a congratulation message or even makes a cash disbursement of a certain amount as a present! Moreover, by analysing transaction parameters, specially created business rules can detect fraud, therefore, decline suspicious transactions. The rules can also be applied to increase/decrease a credit limit depending on certain factors (e.g. type of merchant, number of transactions made during a given day, etc) or to generate a notification to the customer (receipt, message on an ATM screen, SMS, etc.). Therefore, Algorithmix allows a financial institution to implement innovative and flexible solutions to ensure superb customer service, individual approach and competitive edge.

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Advanced customisation facilities ensuring flexibility and delivering competitive advantageEase of configuration to speed up time-to-market and/or system down timeLogical and user-friendly interface enabling staff efficiency, thereby, improving serviceSupport for multiple card types, delivery channels, device types, networks and hostsAdvanced system monitoring facilities improving system performanceAbility to access processing facilities remotely (via FIMI)Ability to provide a customer-tailored service (via TranzWare Online Algorithmix) Unlimited, close to near-linear scalability: able to grow together with financial institution needs, thus, ensuring long-term ROIAbility to integrate all retail delivery channels on a single hardware and software platformAvailability: 24x7 due to the solution’s proven fault-tolerance Support for an extensive transaction setProvision of risk control facilities (inbuilt features and via Algorithmix)Ability to seamlessly integrate with all TranzWare products and connect to other third-party components or systems in place

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Switching, parameterised routing, authorisation of electronic payment transactions and terminal network drivingMultitude of delivery channels: ATMs, electronic kiosks and other customer interaction points, POS terminals, Internet, SMS, Call Centre & Voice Authorisation operator facilities, etc Multiple card types and products: debit, credit, charge, pre-paid, payroll, family, business (corporate), affinity, co-branded, e-Cards (virtual), etcSupport for cards issued under the brands of the major international payment networks (Visa, MasterCard, AMEX, Diners Club, JCB) and some domestic networks (China Union Pay, Banknet VN)Support for hot (lost&stolen) and warm (suspended) and restricted card lists of domestic and/or international payment systemsSupport for an extensive transaction setVarious payment type and transfers support (including single payments, pre-assigned, periodic, arbitrary payments and standing orders via remote banking channels, POS and ATM) Prepaid products sale/dispense via ATM, POS terminals, Internet, phoneBatch and online mode of prepaid database requests/postingsVISA and MasterCard Peer-to-Peer Payments supportPeer-to-Peer payments via ATM and the InternetOnline interfaces with Visa, MasterCard, AMEX, Diners Club, JCBGreat number of online/offline interfaces to other hosts, networks, switches and core banking systemsSupport of many authorisation types including stand-in authorisation, positive, positive with account search, negative, etcIssuer online commissioning and acquirer online surchargeIssuer fee calculationReal-time graphical monitoring facilitiesEvent notification service (personnel notification of ATMs, POS terminals, kiosks, etc. status via SMS, email)Receipt Editor (ATM, POS, SMS)Remote terminal network monitoring via FIMISystem of user-defined algorithm for definition of business logic (enables, for example risk control, commission calculation, ATM scenario management, customer notification generation, etc.)

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Comprehensive system of limit definition, including algorithmic limit handlingSuspicious transaction and risk monitoring (for issuer and acquirer)VISA and MasterCard issuer/acquirer fraud monitoring mandatory reporting packageFacility for automatic periodic generation of analytical and other reportsBuilt-in statistics processor (various charts and diagrams building)Performance of many actions in a single or batch mode (configurable)Flexible facilities for parameter-based transaction routingMulti-protocol transaction gate (transaction router)Full multi-currency and multi-lingual capabilityMulti-institution supportSecurity: DES, 3DES, RSA, MAC, VISA PVV/CVV/CVV2, IBM PIN Offset Multi-tier user access rights managementEMV complianceVSDC and M/Chip support, including pre-authorised debit support 3D Secure supportInternet-banking applicationSMS/email authentication (dynamic password support)Support of DPA (Dynamic Passcode Authentication), CAP (Chip Authentication Programme)Built-in transaction monitorInternet transaction and session security applicationMobile phone-oriented basic SMS-banking application (card status and limit management, certain payments)Message exchange service: customer notification (authorized/declined transactions, periodical account balance information, card expiry notification, new limit notification, etc.), processing of customer inquiriesRemote banking WEB applicationTask scheduling facilitiesMulti-level data archiveComplete transaction and event logging facilitiesLog data retention maintenancePeriodical log data cleaning methodsBuilt-in version control and upgrade management

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Enhanced POS terminal transaction set (including operations such as purchase of a prepaid product code, PIN change, transfer of funds between cards and accounts, deposit, purchase with change)Standard support for POS terminals of leading vendors, including VeriFone, Hypercom, Ingenico, Axalto (Gemalto), CyberNet, Lipman, Thales ArtemaCRT applicationPOS configuration tools

Standard support for ATMs of leading vendors: NCR, Diebold, Wincor-Nixdorf, Olivetti, Bull, BanqIT Cash-In functionality supportOver 130 transaction types, including cardless transactions (currency exchange and bill payment) and user-defined transactionsATM scenario graphic modelling, dynamic verification, testing, debugging and controlATM monitoring: various ways to display ATM list(s), ability to work with groups of devices, state monitoring/viewing, graphical navigation and search system, application’s user interface setup, event and statistic logging, etc.Separate ATM monitoring module for large networks: robust network state analysis, monitoring and management tools; informative user friendly interface and navigation system; flexible system administrationDynamic key exchangeParameter-driven transaction routing featuresSupport of original protocols and emulatorsOnline issuer/acquirer surchargeATM protocols: NDC+, DIEBOLD (910/911, 912) and other vendor-specific derivatives

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RES Using FIMI a financial institution can perform the following functions:

Account operations: request account/account holder information, request history of operations, modify account-card link status, view/modify status, etcCard operations: request card/card holder information, view a list of limits (including current and maximum values), change card limits (including offline limits on chip cards), card profile limits support, card, account and customer user fields support, etc.Client’s operations: search for a client based on a name/surname parameter, view client information, view client’s cards and accountsAcquiring bank operations: view a list of merchants, information on each merchant, view a list of POS terminals and ATMs, their status and last operations, view a list ATM’s administrative transactions, ATM configurations, ATM status, consumables, view ATM auditing logs, etcAdministrative functions: view a list of FIMI users, operations performed by FIMI users, history of currency exchange rates, current/future exchange rates, change current and set future exchange rates, change correspondent account balances, view status of correspondent accounts, place cards into Stop-lists (Visa, MasterCard, local Stop-list), change card status in Stop-lists, EMV scripts control, ATM electronic journal viewing* DPA/CAP authentication is supported for FIMI-operator login

System RequirementsOSDatabaseHSM equipmentNetwork Protocols

Windows 2000, 2003, Linux (Red Hat Enterprise Linux)Oracle 11gSafeNet, Thales e-SecurityTCP/IP, X.25, IPX/SPX, SNA (with third-party software)

About Compass Plus

Compass Plus provides refined state-of-the-art products and flexible business solutions that drive all-scale multi-component EFT systems employed in the financial and retail industries, mobile and electronic commerce, interactive self-service business and in other trade areas that engage in electronic payments. Our in-house developed superior EFT solution – TranzWare™ – incorporates a comprehensive range of integrated customisable products and is fit to suit an array of customer needs. TranzWare™ solutions are capable of reducing clients’ total cost of ownership, improving ROI, increasing efficiency and delivering great benefits to the end customers.

Copyright © 2010. Compass Plus International. All Rights Reserved. TranzWare is a registered trademark of Compass Plus International.All features and specifications are subject to change without notice.When choosing the functionalities of this product you are advised to consult a Company representative.10.02.2010_v3.01

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