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Since 1995…
HPS team
offers you the best paym
ent solutions
Who W
e Are?H
PS, an innovative p
ayment so
ftware co
mp
any at the fo
refront o
f the international p
ayments ind
ustry. Po
werC
AR
D is H
PS’ pio
neering suite o
f solutio
ns and
can pro
cess any card typ
e (credit, d
ebit, p
repaid
, lo
yalty, corp
orate and
fuel) via any channel (ATM
, POS,
internet and m
ob
ile) covering
the entire paym
ents chain, and
used b
y over 350 p
ayments o
perato
rs w
orld
wid
e.
HPS, a truly g
lob
al com
pany w
hich op
erates in over 85
countries in five reg
ions, and
counts several lead
ing
financial institutions am
ong
its clients.
What W
e Do?
HPS co
nstantly develo
ps g
round
-breaking
and
inventive solutio
ns for its g
lob
al paym
ent platfo
rm,
Pow
erCA
RD
. The all-in-one p
latform
is a rob
ust, scalab
le solutio
n which enab
les org
anisations o
f all sizes to
bo
ost the co
st-effectiveness and co
mp
etitive p
ositio
ning o
f their card issuing
, switching
and
acquiring
solutio
ns.
How
Do W
e Operate?
At H
PS, we ap
preciate that w
e are a fundam
ental p
art of an evo
lving p
ayment ind
ustry and o
ur strategy
focuses o
n continually d
evelop
ing o
ur glo
bal p
ayment
platfo
rm Po
werC
ARD
to enab
le innovative p
ayments
and p
roactive resp
onsiveness to
the market evo
lutions.
HPS has d
evelop
ed the Po
werC
ARD
platfo
rm, w
hich is a co
mp
rehensive suite of electro
nic paym
ents so
lutions that co
vers the entire paym
ents value chain o
f issuing, acq
uiring &
switching
in one g
lob
al p
latform
. This enables p
ayments inno
vation b
y allo
wing
new p
rod
ucts to b
e bro
ught to
market
quicker, and
changes to
be im
plem
ented faster and
at a lo
wer co
st. The Pow
erCA
RD so
ftware d
oes this
by using
a cutting ed
ge and
flexible techno
log
y architecture that is co
nsistently seen as the future of
the paym
ents industry.
7
HPS group N
OW…
HPS designs, develops,
implem
ents and supports a suite of m
ulti-channel electronic paym
ent solutions. W
e created PowerCA
RD
with the vision of offering
innovative solutions that m
eet all of today’s payment
needs.
Since 1995, we have sup
po
rted o
ur clients and
helped
them o
vercom
e the everyd
ay challenges that they enco
unter b
y offering
them so
lutions and
quality
services. Am
ong
our ind
ustry’s leaders,
HPS m
aintains close p
roxim
ity with its
clients thanks to its 300 em
plo
yees across
its various o
ffices throug
hout the w
orld
. O
ur expertise d
evelop
ed in m
ore than
85 countries allo
ws us to
effectively meet
our clients’ need
s by co
mb
ining 1,000
accumulated
man/years o
f Research &
D
evelop
ment w
ith our kno
wled
ge o
f local
specific characteristics.
Locations
• Aix-E
n-Provence
• Casab
lanca• D
ubai
• Paris+85COU
NTRIES
+350FIN
AN
CIAL IN
STITUTION
+110PROD
UCTION
SITES
+15%OF REV
ENU
ES IN R&
D+300
EXPERTS A
ND
CONSU
LTAN
TS
PowerCARD Key Capabilities
PowerCARD
-xPOS
PowerCARD
-eComm
erce
PowerCARD
-Acquirer
PowerCARD
-Switch
PowerCARD
-eSecure
PowerCARD
-Dashboard
PowerCARD
-ACH
PowerCARD
-Issuer
PowerCARD
-WebPublisher
PowerCARD
-ATMPowerCARD
-Tokenisation
PowerCARD
-Fraud
PowerCARD Solutions
PowerCARD Key Capabilities
• The who
le paym
ent value chain in a single and
mo
dular p
latform
• PA
-DSS certificatio
n • M
ulti-languag
e, multi-currency, m
ultipaym
ent scheme &
multi-channel cap
abilities
• SOA
architecture • O
pen p
latform
(Unix, O
racle, J2EE based
) • H
igh level o
f perfo
rmance, security and
availability
5,000*
CO
NC
URREN
T USE
RS100,000,000
*
CA
RDS
3,000*
TRAN
SAC
TION
SPER SEC
ON
D
20,000,000*
BA
TCH
TRAN
SAC
TION
SPRO
CESSED
*Maxim
um vo
lumes p
rocessed
by Po
werC
ARD
on a sing
le platfo
rm
PowerCARD-Issuer
PowerCARD
-IssuerC
om
plete services fo
r issuance and m
anagem
ent of all card
types
in all form
ats.
• Client O
riginatio
n, Bo
arding
, Activatio
n & Retentio
n• Full Pro
duct Issuing
& M
anagem
ent Functionality
• Fraud &
Risk Manag
ement, C
hargeb
ack, Disp
utes & C
ollectio
ns• M
ultichannel Loyalty M
anagem
ent• Po
werful &
Effective C
ustom
er Service Cap
ability
Solution Overview
Card and Customer M
anagement
• Card
Manag
ement M
od
ule• Interfaces
Customer A
ccount Managem
ent• C
redit A
ccount M
od
ule• Prep
aid A
ccount M
od
ule• Interfaces
Issuer Clearing & Settlem
ent Managem
ent• Internatio
nal Schemes
• Do
mestic Schem
es• Po
werC
ARD
Manag
ed Schem
es Fraud M
anagement
• Batch Fraud
Mo
dule
• Interfaces
Chargeback Managem
ent• C
hargeb
ack Mo
dule
Reporting Managem
ent• Rep
orting
Mo
dule
• Dashb
oard
Mo
dule
• Interfaces
Loyalty Managem
ent • A
dvanced
Loyalty M
od
ule• Push M
arketing M
od
ule
Other Interfaces
• Co
m. Interfaces
• Bank H
ost Interfacese
Security Managem
ent • H
SM Interfaces
Pow
erCA
RD
-Issuer pro
vides co
mp
lete services for
issuance and m
anagem
ent of all card
types (co
rpo
rate, cred
it, installment, d
ebit, p
repaid
, gift card
) in all fo
rmats (m
agnetic strip
e, EMV, N
FC / co
ntactless, virtual,…
).
Pow
erCA
RD
-Issuer has been d
evelop
ed to
supp
ort all
kind o
f issuers, from
small to
large and
glo
bal financial
institutions, b
anks, credit co
mp
anies, retailers and
private card
pro
cessing co
mp
anies.
The system has full m
ulti-currency, multi-p
rod
uct, m
ulti-institution and
multi-lang
uage cap
abilities and
m
anages card
po
rtfolio
s across d
ifferent countries and
fo
r different issuers o
n a single g
lob
al platfo
rm.
Pow
erCA
RD
-Issuer’s rule-based
engines allo
w the
mo
dernizatio
n of financial institutio
ns’ paym
ent system
s to achieve o
riginatio
n from
any channel and
any form
at, add
advanced
wo
rkflow
desig
n to
imp
rove the co
llection and
use of p
ayment
inform
ation. Po
werC
ARD
-Issuer architecture supp
orts
config
urability, access and
use of info
rmatio
n, which
is not read
ily po
ssible in a m
ore rig
id, b
lack-bo
x enviro
nment.
Pow
erCA
RD-Issuer also
supp
orts all the b
ack-o
ffice functions asso
ciated w
ith running the card
issuance activities – exam
ples includ
e fraud and
risk m
anagem
ent, chargeb
ack, disp
utes and co
llections
manag
ement.
A custo
mer service fo
cus is essential to the success
of the issuers’ p
ayments b
usiness. At the heart o
f Po
werC
ARD
-Issuer is a po
werful relatio
nal datab
ase, g
iving a co
nsolid
ated view
of the custo
mer and
the custo
mer’s transactio
ns allow
ing revenue g
row
ththro
ugh custo
mer retentio
n and acq
uisition. Issuers
can view their co
mp
lete relationship
with ind
ividual
custom
ers, and custo
mer d
ata is readily availab
le for
custom
er pro
ling and
segm
entation activities.
EMV
Magstripe
NFC
PowerCARD-Acquirer
PowerCARD
-AcquirerC
om
prehensive m
erchant manag
ement p
latform
enabling
acq
uirers to tailo
r specific so
lutions fo
r merchants.
• Merchant O
riginatio
n, Bo
arding
, Activatio
n & R
etention
• Sop
histicated B
illing, C
learing, Settlem
ent & Rep
orting
• Fraud &
Risk M
anagem
ent, Charg
eback, D
isputes &
C
ollectio
ns• M
ultiple Pricing
& C
harging
Cap
abilities
• Extensive Set O
f Value Ad
ded
Services• E
fficient Merchant M
anagem
ent Supp
ort
Pow
erCA
RD
-Acq
uirer is a com
prehensive m
erchant m
anagem
ent platfo
rm enab
ling acq
uirers to tailo
r sp
ecific solutio
ns for any kind
of m
erchant from
small
to larg
e, with o
r witho
ut com
plex hierarchy, o
n the sam
e Pow
erCA
RD
-Acq
uirer platfo
rm.
Pow
erCA
RD
-Acq
uirer is a multi-channel so
lution w
ith no
restriction o
n the type o
f transactions p
rocessed
allo
wing
acceptance o
f all types o
f paym
ent – online,
in perso
n, on the g
o and
over the p
hone.
Merchant acco
unts and transactio
ns are stored
and
manag
ed in Po
werC
ARD
-Acq
uirer giving
acquirers
com
plete co
ntrol o
f the merchant b
illing, clearing
and
settlement p
rocesses. Transactio
ns that are subm
itted
to Po
werC
ARD
-Acq
uirer are autom
atically settled
with m
erchant accord
ing to
the flexible settlem
ent o
ptio
ns that are pro
vided
. Merchant service charg
es
and transactio
n fees are calculated and
manag
ed
throug
h Pow
erCA
RD-A
cquirer w
hich also facilitates the
collectio
n of fees and
charges fro
mthe m
erchants.
Merchant service charg
es and transactio
n fees are m
anaged
throug
h a sop
histicated and
po
werful fee
generatio
n engine that g
ives acquirers flexib
ility to
pro
po
se attractive pricing
op
tions to
merchants.
Pow
erCA
RD-A
cquirer m
ulti-currency, multi-
institution and
multi-lang
uage cap
abilities allo
w the
manag
ement o
f cross-b
ord
er acquiring
op
erations.
Pow
erCA
RD-A
cquirer’s ab
ility to m
anage m
erchant p
ortfo
lios in d
ifferent countries and
for d
ifferent accep
tance institutions, m
eets the needs o
f glo
bal and
m
ultinational m
erchants.
Solution Overview
M
erchant Managem
ent• M
erchant Manag
ement M
od
ule• M
erchant Acco
unt Mo
dule
• Interfaces
Transaction Managem
ent• Transactio
n Processing
Mo
dule
• Charg
eback M
od
ule
Acquirer Clearing &
Settlement M
anagement
• International Schem
es• D
om
estic Schemes
• Pow
erCA
RD M
anaged
Scheme
Reporting Managem
ent• Rep
orting
Mo
dule
• Merchant Pro
fitability M
od
ule• D
ashbo
ard M
od
ule• Interfaces
Fraud Managem
ent• B
atch Fraud M
od
ule• Interfaces
Accounting M
anagement
• Acco
unting M
od
ule
Acquiring Channel M
anagement
• Pow
erCA
RD-eC
om
merce Interface
• Pow
erCA
RD-Sw
itch Interface• 3
rd Party Switch Interface
Value Added Services M
anagement
• Merchant Pro
mo
tions M
od
ule• Push M
arketing M
od
ule • B
ill paym
ent Mo
dule
• Mo
bile To
p U
p M
od
ule• D
CC
Mo
dule
Merchant
Managem
entM
erchant Contract
Merchant
Pricing
PowerCARD-Switch
PowerCARD
-Switch
Ro
uting, stand
in, authorizatio
n available in a hig
h available
environm
ent.
• Autho
rization m
anagem
ent• M
essage Sw
itching• Stand
-In, Store A
nd Fo
rward
(SAF)
• Multi-channel
• Real-time A
nd N
ear Real-tim
e fraud d
etection
• Supp
orts A
ctive-Active
• Hig
h Level of Perfo
rmance
PowerCARD
-Switch for
AcquirerSw
itching Managem
ent• Ro
uting M
od
ule
Acquirer A
uthorization Interfaces• Internatio
nal Schemes
• Do
mestic Schem
es• Po
werC
ARD
Manag
ed Schem
es
Fraud Managem
ent• O
nline Fraud M
od
ule• Interfaces
Value Added Services M
anagement
• VAS Interfaces
Security Managem
ent• H
SM Interfaces
PowerCARD
-Switch for
IssuerStand-In M
anagement
• Stand-In / SA
F Mo
dule
Authorization M
anagement
• Bank H
ost
• Issuer Autho
rization M
od
ule
Issuer Authorization Interfaces
• International Schem
es• D
om
estic Schemes
• Pow
erCA
RD M
anaged
Scheme
Fraud Managem
ent• O
nline Fraud M
od
ule• Interfaces
Script Managem
ent• Scrip
ting M
od
ule
Security Managem
ent• H
SM Interfaces
Pow
erCA
RD
-Switch o
ffers 100% availab
ility with active/
active architecture, it is also ab
le to p
rocess tho
usands
of transactio
n per seco
nd. A
perfo
rmance exp
ected
in the missio
n-critical wo
rld o
f electronic p
ayment
transaction p
rocessing
.
Pow
erCA
RD
-Switch sup
po
rts all paym
ent netwo
rks services and
seamlessly enab
les multi-channel
authorizatio
n and transactio
ns switching
.
Pow
erCA
RD
-Switch o
ffers value add
ed services
involving
multip
le actors in the sam
e transaction such
as DC
C, m
ob
ile Top
-Up
and b
ill paym
ent.
Pow
erCA
RD
-Switch m
anages interfaces w
ith the majo
r internatio
nal paym
ent schemes to
ensure ong
oing
co
mp
liance with V
isa, MasterC
ard, A
merican Exp
ress, D
iners Club
, Japan C
redit B
ureau (JCB
) and C
hina U
nion Pay (C
UP), thus p
rovid
ing g
lob
al connectivity
and w
orld
wid
e acceptance.
Pow
erCA
RD-Sw
itch also m
anages interfaces w
ith ad
ditio
nal netwo
rks, including
do
mestic p
ayment
schemes.
Pow
erCA
RD-Sw
itch can detect in real-tim
e or near
real-time any susp
icious autho
rizations and
make
the right d
ecisions in real-tim
e being
able to
decline
authorizatio
ns, alert the cardho
lders o
r op
en a case for
further investigatio
n.
Pow
erCA
RD-Sw
itch is interop
erable w
ith Pow
erCA
RD-
Issuer and Po
werC
ARD
-Acq
uirer to p
rovid
e issuers and
acquirers w
ith a single, reliab
le platfo
rm thro
ugh
which transactio
ns are pro
cessed.
AuthorizationRouting
Stand-In
POS
mPO
SePO
S
PowerCARD-xPOS
PowerCARD
-xPOS
A so
phisticated
solutio
n that config
ures and p
arametrises
devices, sw
itches authorizatio
ns and m
anages transactio
ns for any
kind o
f Point O
f Sales devices (PO
S, mPO
S, ePOS,…
).
• Device M
anagem
ent System: p
arameters m
anagem
ent and
inventory m
anagem
ent• A
uthorizatio
n Switching
& Transactio
n Data C
apture
• Device D
riving• Value-A
dd
ed Services (D
CC
, Bill Paym
ent, Mo
bile To
p-up
, Instalm
ents, Cash-B
ack, …)
Pow
erCA
RD-xPO
S allow
s multinatio
nal retailers, retailb
anks and p
ayment service p
rovid
ers to b
e able to
rapid
ly ro
ll out new
services and sim
plify w
orld
wid
ed
evice dep
loym
ent while co
ntrolling
maintenance and
adm
inistration co
sts.
Pow
erCA
RD-xPO
S supp
orts any kind
of Po
int Of Sales
devices: stand
alone PO
S, ePOS (integ
rated cash reg
ister), M
ob
ile POS,…
Pow
erCA
RD C
onnect’ Transacting
APIs exp
oses A
PIs fo
r 3rd p
arty to feed
authorizatio
ns and transactio
ns to
Pow
erCA
RD-xPO
S.
Pow
erCA
RD-xPO
S has a native built-in interface w
ith Po
werC
ARD
-Switch to
op
timize o
peratio
ns but can also
integ
rate seamlessly w
ith other external so
lutions.
Pow
erCA
RD-xPO
S config
ures devices thro
ugh a co
mp
lete set o
f param
eters, it also m
anages d
evice lifecycle and
pro
vides d
evice inventory.
Pow
erCA
RD-xPO
S drives d
evices, switches autho
rizations
and cap
tures transaction d
ata. The solutio
n enables
value-add
ed services such as D
CC
(Dynam
ic Currency
Co
nversion), b
ill paym
ent, mo
bile to
p-up
, instalments,
cash-back,…
Pow
erCA
RD-xPO
S is a multi-p
roto
col so
lution and
device
agno
stic. Devices m
anaged
by Po
werC
ARD
-xPOS can
accept all typ
es of card
s (mag
netic, EMV
and chip
cards,
contactless etc.) b
eing p
repaid
, deb
it, credit, lo
yalty or
private lab
el cards.
Solution Overview
Device M
anagement
• Inventory M
anagem
ent• D
evice Parameters M
anagem
ent
Payment M
anagement
• Autho
rization M
anagem
ent• D
ata Cap
ture
Interfaces Managem
ent• Po
werC
ARD
Co
nnect’ Transacting A
PIs
Protocol Managem
ent• O
ther Proto
col
• Pow
erCA
RD Pro
toco
l PPWM
Value Added Services M
anagement
• Online Lo
yalty Transaction Interface
• Online B
ill Payment Interface
• Online M
ob
ile Top
Up
Trx. Interface• O
nline DC
C Transactio
n Interface
PowerCARD-ATM
PowerCARD
-ATMA
com
prehensive self-service so
lution that sup
po
rts financial institutio
ns and retailers in m
aximizing
their ATM
s.
• Mutli-vend
or So
lution
• ATM
Manag
ement
• ATM
Mo
nitoring
• ATM
Switching
& D
evice Driving
• ATM
Value-add
ed Services (B
ill Payment, C
ash Dep
osit, C
ardless
Withd
rawal)
Pow
erCA
RD-A
TM p
rovid
es a com
prehensive, self-service
solutio
n that supp
orts financial institutio
ns and retailers to
m
anage, secure and
get m
ore fro
m their A
TMs.
Pow
erCA
RD-A
TM p
rovid
es sop
histicated to
ols to
co
ntinuously m
onito
r ATM
netwo
rks and executes
notificatio
ns to the ap
pro
priate sup
ervisors w
hen the A
TM is m
alfunctioning
and/o
r cash runs out b
y sending
alerts thro
ugh Em
ail and SM
S and ensuring
24/7 ATM
availab
ility.
Pow
erCA
RD-A
TM help
s to red
uce the op
erational co
sts b
y offering
a full range o
f reconciliatio
n too
ls from
ATM
to
back-o
ffice accounting
From
perso
nalized A
TM screens to
custom
pro
mo
tions,
Pow
erCA
RD-A
TM help
s financial institutions im
pro
ve relatio
nships and
leads to
greater revenue b
y offering
custo
mers extend
ed services at the A
TM and
turning the
ATM
into a 24/7 m
ini-branch.
Provid
ing o
ptim
ized co
nvenience, efficiency and security,
Pow
erCA
RD-A
TM o
ffers a wid
e range o
f services such as cash w
ithdraw
al, balance inq
uiry, short statem
ent inquiry,
checkbo
ok req
uest, perso
nalized m
essages to
custom
ers, cash d
epo
sit, check and d
ocum
ent dep
osit, PIN
change,
top
-up and
bill p
ayment.
Solution Overview
ATM M
anagement
• ATM
Parameters M
anagem
ent• A
TM M
onito
ring
Equipment M
anagement
• Winco
r• D
iebo
ld• N
CR
• Other
ATM Services M
anagement
• Multi C
urrency Manag
ement
• Withd
rawal
• Mini Statem
ent• D
epo
sits• Transfer
Accounting M
anagement
• Acco
unting M
od
ule
Value Added Services M
anagement
• Online B
ill Payment Interface
• Online M
ob
ile Top
Up
Trx. Interface• O
nline DC
C Transactio
n Interface
Device D
rivingATM
Monitoring
ATM Services
PowerCARD-ACH
Mem
ber M
anagement
Clearing &
Managem
entACH
Scheme
Setup
Pow
erCA
RD-A
CH
is a mo
dular so
ftware so
lution that
autom
ates the pro
cessing and
settlement o
f electronic
paym
ent transactions.
Pow
erCA
RD-A
CH
allow
s the setup and
manag
ement o
f a schem
e by m
anaging
the who
le transaction cycle co
vering
authorizatio
n, presentm
ent, disp
utes and the related
clearing
& settlem
ent betw
een mem
bers. It o
perates b
oth
in Dual and
Single M
essage m
od
e.
Pow
erCA
RD-A
CH
autom
ates many o
f the crucial functions
associated
with p
ayment in an intero
perab
le eco-system
. The so
lution p
rovid
es autom
atic reconciliatio
n functions
and co
nfigurab
le clearing acco
unt definitio
n, fee p
rocessing
, funds m
ovem
ent and p
osting
file setting.
Solution Overview
ACH
Managem
ent• M
emb
er Manag
ement
• Clearing
& M
anagem
ent• A
CH
Scheme Setup
Protocol Managem
ent• LIS• SID
Accounting M
anagement
• Acco
unting M
od
ule
PowerCARD
-ACH
Setup and
manag
ement o
f a scheme b
y manag
ing autho
rization,
clearing &
settlement b
etween m
emb
ers and b
y pro
viding
SID
pro
toco
l (for autho
rizations) and
LIS pro
toco
l (for C
learing).
• Mem
ber M
anagem
ent• M
emb
er Acco
unt• M
emb
er Settlement
• Fees & C
om
missio
ns• Lo
cal Interchange System
(LIS)• Sw
itch Interface Descrip
tion (SID
)
PowerCARD-Fraud
PowerCARD
-FraudA
stand-alo
ne fraud so
lution m
onito
ring in real-tim
e or near real-
time autho
rizations co
ming
from
any systems.
• Real-tim
e and near real-tim
e fraud d
etection
• Rule b
ased eng
ine• SM
S and E
mail alerts
• Case m
anagem
ent & Rep
orting
Pow
erCA
RD-Fraud
pro
vides a full m
onito
ring o
f the issuing
and acq
uiring activities o
f the Bank in real-tim
e, or
near real-time.
Thanks to its rule b
ased cap
abilities, Po
werC
ARD
-Fraud
autom
atically generates alerts and
/or actio
ns and
creates a case to b
e follo
wed
up b
y a Bank Fraud
Analyst
when an autho
rization is m
atching w
ith all the criteria o
f a given rule. To
a certain extent, it can even reject an autho
rization.
A co
mp
lete wo
rkflow
manag
ement allo
ws fraud
team
(manag
er and analyst) to
manag
e all op
ened cases and
have easy access to
key inform
ation reg
arding
the case in few
screens to m
ake the right d
ecision. U
sers have access to
a mo
nitoring
screen pro
viding
a single-view
of all o
pen
cases ranked b
y level of p
riority.
Ad
ditio
nally, rules can be sim
ulated p
rior to
be m
oved
to
pro
ductio
n to help
s Banks avo
iding
extensive numb
er of
cases to b
e reviewed
by the fraud
team and
really focus
on real fraud
cases.
Solution Overview
Fraud Detection M
anagement
• Rule Co
nfiguratio
n Mo
dule
• Rule Simulatio
n Mo
dule
• Rule Processing
Mo
dule
Authorization M
anagement
• Pow
erCA
RD-Sw
itch Interfaces• 3
rd Party O
nline Interfaces
Alert M
anagement
• SMS Interface
• Email Interface
Fraud Case Managem
ent• C
ase Mo
dule
Authorization M
onitoringFraud
PreventionReal-Tim
e Alerts
PowerCARD-eSecure
PowerCARD
-eSecureA
step ad
ded
to o
nline paym
ents to tie a financial autho
rization
with an o
nline authentication (A
CS - 3D
Secure).
• Secure Electronic A
uthentication fo
r eCo
mm
erce Transactions
• Multi institutio
ns and M
ulti pro
ducts
• Co
nfigurab
le authentication p
age
• Multip
le Authenticatio
n Metho
ds: To
ken, Mo
bile &
Passwo
rd,
Dig
ital Certificate
Pow
erCA
RD-eSecure help
s increase confid
ence in online
paym
ents. The solutio
ns key benefits includ
e:• D
ecreased fraud
for card
hold
ers via a passw
ord
verificatio
n system (o
r other fo
rm o
f authentication)
that stop
s online p
urchases using o
nly card d
etails and
preventing
passw
ord
s being
captured
by m
erchants (authenticatio
n is betw
een the issuer and the
cardho
lder).
• Fewer charg
eback transactio
ns for m
erchants as card
hold
ers are authenticated w
hile purchasing
online.
• Increased security to
the issuing b
ank by lim
iting
autom
atic liability shift.
Pow
erCA
RD-eSecure p
rovid
es 3DSecure services to
m
ultiple institutio
ns and m
anages m
ultiple p
rod
ucts per
institution. Po
werC
ARD
-eSecure key pro
duct cap
abilities
are:• A
uthentication and
enrollm
ent metho
ds are d
efined at
the pro
duct level.
• Hig
hly config
urable authenticatio
n pag
es and sup
po
rts m
ultiple tem
plates p
er pro
duct, auto
matic tem
plate
adjustm
ents based
on b
row
ser, font/w
ord
ing and
auto
matic ad
justments p
er pro
duct.
Pow
erCA
RD-eSecure is PA
-DSS, Verified
by V
isa and
MasterC
ard SecureC
od
e certified.
Solution Overview
Enrollment M
anagement
• Enrollm
ent Web
Services Interface• Enro
llment B
atch File Interface• H
om
ebanking
Web
Page
• Activatio
n During
Shop
ping
Web
pag
e
Payment Schem
e Managem
ent• A
merican Exp
ress Interface• V
isa Interface• M
asterCard
Interface
Authentication M
anagement
• SMS G
ateway Interface
• Mo
bile A
uth. Request W
eb Pag
e
3DSecure
AuthenticationO
ne-Time-
Password
PowerCARD-eCommerce
PowerCARD
-eComm
erceM
ulti-merchant and
multi-acq
uirer solutio
n for eC
om
merce and
M
OTO
paym
ent manag
ement.
• Multip
le Merchant Integ
ration m
ethod
s: Direct, R
edirect, B
atch &
Web
Services• Flexib
le paym
ent op
tions: full, p
artial, reversal, instalment,…
• Tokenisatio
n• Perso
nalized C
heckout Pag
e• M
erchant & O
perato
r Web
Portal M
anagem
entSolution O
verviewM
erchant Interfaces Managem
ent• D
irect Metho
d Interface
• Redirect M
ethod
Interface• Server to
Server Interface• B
atch Interface• W
eb Services Interface
Transaction Managem
ent• Po
werC
ARD
-Acq
uirer• Interface• 3
rd Party Acq
uirer Interface
3D Secure M
anagement
• MPI M
od
ule• V
isa Interface• M
asterCard
Interface
Merchant Portal M
anagement
• Merchant Self Service Po
rtal
Merchant D
ata Managem
ent• Po
werC
ARD
-Acq
uirer Interface• W
eb Services Interface
Pow
erCA
RD
-eCo
mm
erce is a multi-m
erchant and
multi-acq
uirer solutio
n for eC
om
merce and
MO
TO
paym
ent manag
ement.
Pow
erCA
RD
-eCo
mm
erce allow
s easy integratio
n w
ith merchants b
y offering
multip
le metho
ds o
f data
subm
ission.
Pow
erCA
RD
-eCo
mm
erce pro
vides flexib
le paym
ent o
ptio
ns. Co
nsumers can p
ay using any o
f the mo
st co
mm
on o
nline paym
ent metho
ds and
new p
ayment
metho
ds can b
e add
ed easily. C
onsum
ers can select their currency and
choo
se their mo
st convenient
paym
ent op
tion.
To facilitate o
peratio
ns, Pow
erCA
RD-eC
om
merce can
be synchro
nized w
ith external systems fo
r merchant
data, B
IN rang
es, exchange rates thro
ugh w
eb services
or b
atch and b
y being
natively interfaced w
ith other
Pow
erCA
RD
solutio
ns.
Pow
erCA
RD-eC
om
merce p
rovid
es a sop
histicated
self-service po
rtal allow
ing m
erchants to p
ersonalize
each and every checko
ut pag
e. Throug
h the merchant
web
po
rtal, merchants can fo
llow
-up and
manag
e their transactio
ns in real-time, g
enerate repo
rts, enter transactio
ns manually thro
ugh the V
irtual Terminal
(MO
TO), reverse/refund
transactions and
exchange
secure online m
essages w
ith paym
ent gatew
ay o
perato
rs.O
perato
rs have access to the sam
e level of
functionalities as m
erchants throug
h the self-service p
ortal b
ut they can also m
anage user access rig
hts and
pro
files and create and
manag
e a wid
e range o
f p
arameters (currency, d
efault messag
es, fraud filter
etc.)Po
werC
ARD
-eCo
mm
erce supp
orts 3D
Secure transactio
ns with the M
PI mo
dule and
has native b
uilt-in interfaces with o
ther Pow
erCA
RD so
lutions to
o
ptim
ize op
erations.
Payment
Gatew
ayeCom
merce
Online Paym
ent
PowerCARD-Dashboard
PowerCARD
-Dashboard
Set of g
raphs, tab
les, data g
roup
ed into
Dashb
oard
pro
viding
a clear visib
ility to b
usiness users on their K
ey Perform
ance Ind
icators.
• Predefined
and p
ersonalizab
le Dashb
oard
s• A
nalyze and D
rill Do
wn Into
The Data
• Natively Integ
rated w
ith Pow
erCA
RD-Issuer and
Pow
erCA
RD-
Acq
uirer• Sup
po
rts data enrichm
ent by 3
rd party system
Pow
erCA
RD-D
ashbo
ard has b
een desig
ned w
ith the p
urpo
se of turning
detailed
paym
ent data into
valuable
inform
ation allo
wing
the business to
make the rig
ht d
ecisions in a tim
ely manner.
Pow
erCA
RD-D
ashbo
ard is H
PS’ data analytics to
ol, it
pro
vides d
ashbo
ards in an easy-to
-use form
at that allow
s users to
mine, m
od
el and analyse any sub
-set of p
ayment
and transactio
nal data.
Pow
erCA
RD-D
ashbo
ard so
lution w
orks thro
ugh an
op
timized
Business Intellig
ence Layer which extracts
incremental d
ata to b
e used b
y Pow
erCA
RD
-Dashb
oard
. Po
werC
ARD
-Issuer and Po
werC
ARD
-Acq
uirer are natively feed
ing Po
werC
ARD
-Dashb
oard
but d
ata com
ing fro
m
external systems can b
e imp
orted
to enrich existing
data.
Issuers, Acq
uirers and M
erchants can access to their o
wn
dashb
oard
s. Each dashb
oard
pro
viding
a series of g
raphs,
tables, d
ata, … help
ing them
to b
etter understand
their b
usiness.
Solution Overview
Merchant / M
erchant Manager D
ashboard• Perfo
rmance
• Activity
• Traffic• C
ustom
ers
Acquiring D
ashboard• K
PIs• A
ctivity• Fees• C
ustom
ers
Issuing Dashboard
• Perform
ance• C
ards
• Transactions
• Fees
BIBig D
ataD
ata Analytics
PowerCARD-WebPublisher
PowerCARD
-WebPublisher
Web
po
rtal solutio
n with p
ow
erful adm
in functions to
manag
e and
perso
nalize multip
le web
po
rtals.
• Web
site Co
ntent Co
nfiguratio
n, Personalizatio
n & Seg
mentatio
n• W
ebsite Pub
lishing• M
ultiple 3
rd Party Systems R
eal-time D
ata Ag
greg
ation thro
ugh
a com
plete set o
f Web
Services• N
ative interfaces with o
ther Pow
erCA
RD so
lutions
Solution Overview
Cardholder Portal• O
nline Enrollm
ent• C
ard A
ctivity• C
ard M
anagem
ent• D
ocum
ent & R
equest
Agent &
Branch Portal• C
ard Selling
• Card
Activity
• Prepaid
Card
Corporate Portal• O
nline Enrollm
ent• C
ard A
ctivity• C
ard M
anagem
ent• D
ocum
ent & Req
uest• Po
rtfolio
Manag
ement
Loyalty Operator Portal
• Merchant Pro
mo
tions
• Issuer Cam
paig
ns
Merchant Portal
• First Co
ntact• M
erchant Data &
Activity
• Dashb
oard
• Multi-hierarchy Level
• Merchant p
rom
otio
ns• D
ocum
ent and Req
uest
Pow
erCA
RD
-Web
Publisher is a w
eb p
ortal so
lution fo
r issuers and
acquirers ad
dressing
the specific need
s of
their different custo
mers. It is a uniq
ue solutio
n that sim
plifies the co
nstruction, the exp
loitatio
n and the
maintenance o
f web
po
rtals ded
icated to
consum
ers, co
rpo
rates and m
erchants.
Pow
erCA
RD
-Web
Publisher allo
ws d
ata conso
lidatio
n fro
m d
ifferent sources, co
nfiguratio
n and p
ublishing
o
f perso
nalized w
eb p
ortals fo
r consum
ers, corp
orates
and m
erchants. Data co
ming
from
different ho
st system
s are agg
regated
, witho
ut any storag
e, to g
ive w
eb users a uniq
ue and co
nsolid
ated view
of their
inform
ation.
Throug
h its Ad
min. C
enter, Pow
erCA
RD-W
ebPub
lisher allo
ws co
nfiguring
and p
ersonalizing
web
po
rtals thanks to
simp
le drag
& d
rop
functionality. A
ny screens, any fo
nt size or co
lour, any text, any
backg
round
colo
ur, any table co
lumn, any translatio
n can b
e easily adjusted
throug
h the Ad
min. C
enter.C
hanges are ap
plied
in real-time and
imm
ediately
available at the next co
nnection to
the po
rtal.
Pow
erCA
RD-W
ebPub
lisher is natively interfaced w
ith any o
ther Pow
erCA
RD so
lutions b
ut also o
ffers a co
mp
lete set of w
eb services b
uilt to the IFX
standard
s fo
r interfacing w
ith any external systems.
Services to co
nsumers includ
e Card
Manag
ement
(e-statement, PIN
change, card
replacem
ent, stop
/ b
lock card
) and A
ccount M
anagem
ent (history and
list o
f transactions).
Services to co
rpo
rates include C
ard and
Acco
unt M
anagem
ent (list of card
s by d
epartm
ent, ord
er new
cards, usag
e restriction) and
User M
anagem
ent (hierarchy and
deleg
ate user manag
ement).
Services to m
erchants include R
emittances and
Transactio
ns details, C
laims M
anagem
ent and fo
llow
up
, Activity Rep
orting
and M
erchant Details (co
ntract, services, o
utlet and Eq
uipm
ent’s view).
Web Portals
Personalised Services
Easy Configuration
PowerCARD-Tokenisation
Pow
erCA
RD-To
kenisation p
rovid
es tokenisatio
n and
de-to
kenisation services either thro
ugh d
edicated
autho
rization/clearing
/chargeb
ack interfaces or thro
ugh
web
-services and b
atch interfaces.
Each generated
token is linked
to a to
ken pro
duct that
includes the to
ken pro
file (token d
om
ain) and the to
ken lim
its so that the to
ken requesto
r can limit o
r restrict the usag
e of that to
ken. Those p
rofiles and
limits w
ill b
e contro
lled w
hen Pow
erCA
RD-To
kenisation w
ill be
perfo
rming
the de-to
kenisation.
A to
ken vault is emb
edd
ed into
Pow
erCA
RD
-Tokenisatio
n to
securely store to
kens.
Pow
erCA
RD-To
kenisation p
rovid
es a sop
histicated
hierarchy manag
ement co
vering any co
mb
inations
betw
een custom
er, card, to
ken, device w
ith indep
endent
lifecycle status at each level of the hierarchy.
Pow
erCA
RD-To
kenisation sits in b
etween the C
ard
Manag
ement System
for enro
lment and
lifecycle m
anagem
ent, the Mo
bile Pro
visioning
Server and the
Autho
rization System
s / Payment Schem
es for m
anaging
autho
rization, clearing
and charg
eback flo
w.
Pow
erCA
RD-To
kenisation p
rovid
es multip
le dep
loym
ent scenario
s dep
ending
on the need
s of custo
mers:
supp
orting
local p
ayment schem
e, supp
orting
internatio
nal paym
ent scheme, m
anaging
on-us
transactions, m
inimizing
imp
acts on existing
systems,…
Solution Overview
Digitalized A
ccount Managem
ent• D
igitalized
Acco
unt Manag
ement M
od
ule• Pro
file Manag
ement M
od
ule• To
kenisation M
anagem
ent Mo
dule
Token Storage Managem
ent• To
ken Vault Mo
dule
Transaction Managem
ent• D
e-tokenisatio
n Manag
ement M
od
ule• Risk M
anagem
ent Mo
dule
• Routing
Manag
ement M
od
ule
Interfaces Managem
ent• M
ob
ile Provisio
ning Interfaces
• Auto
rization Interfaces
• Clearing
Interfaces• C
hargeb
ack Interfaces• To
kenisation / D
e-tokenisatio
n Interfaces
TSPH
CExPay
PowerCARD
-TokenisationC
om
plete so
lution to
supp
ort the issuance, p
rovisio
ning, sto
rage
and m
anagem
ent of to
kens on b
ehalf of a to
ken requesto
r.
• Co
mp
lete Tokenisatio
n / De-to
kenisation Services Includ
ing R
isk C
ontro
ls and R
outing
Manag
ement
• Token Vault
• Co
mp
lete Token Lifecycle M
anagem
ent and C
ustom
er Care
Services• M
ultiple D
eplo
yment Scenario
s• Interfaces w
ith Card
Manag
ement, M
ob
ile Provisio
ning,
Autho
rization System
s and Paym
ent Schemes
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s-wo
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ide.co
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