SmartVista At A Glance About BPC Founded in 1995 as Banking Production Centre, today BPC is the recognized provider of e-payment solutions for the global financial industry.
Our key offering to financial institutions is based on the SmartVista Suite, an industry acclaimed set of software products catering to every aspect of business related to transaction processing and card management. With a dedicated team of professionals we work with the largest and most progressive financial institutions developing and deploying SmartVista based solutions which address their specific business requirements.
SmartVista solutions are designed for banks, national payment networks, card associations, processors, payment gateways, E-Government and retailers. The SmartVista Suite supports the functionality of financial institutions of any scale anywhere in the world regardless of the geographic reach of their operation and its complexity. It can be configured to support both small regional banks and the largest national banks or international processing centres.
We have formed strategic, business and technical alliances with leading IT-companies to provide our customers with total solutions integrated within a proven framework. We use as building blocks for SmartVista solutions software and hardware components from our local and international partners including IBM, HP, Fujitsu- Siemens, Oracle, Wincor Nixdorf, Thales eSecurity, Gemalto and many more.
Over the years we have made sustained investments in R&D, infrastructure and alliance building leveraging on our local and international expertise and product development skills. Today BPC shows the highest levels of commitment and energy to the next generation of SmartVista products to complement and extend its capabilities and to offer ongoing state-of-the-art solutions, backed by the knowledge of the latest industry trends and standards. BPC SmartVista Suite BPC SmartVista Suite is a comprehensive, state-of-the-art family of closely integrated software applications designed to meet the needs of organisations involved in the processing of electronic payments based on plastic cards, smart chip cards and other personal payment tools.
SmartVista is a truly international solution designed to support all existing global EFT standards and technologies, including EMV, and is open to extend to other emerging or local electronic payment mechanisms.
In addition to payment processing, SmartVista offers a broad range of capabilities to effectively support and manage all sorts of card based banking products from a simple debit card to sophisticated multiple-account credit cards integrated with the retail account maintenance and lending environment.
SmartVista fits into any multi-channel delivery environment, including e-Commerce and m-Commerce, and comes with comprehensive value added functionality such as MSP/TPP multi-banking, risk management, fraud prevention, loyalty and affinity schemes, self-service and retail banking features, etc.
The SmartVista Suite is a fully-fledged end-to-end solution that can be employed by any organisation whose business is focused on any specific element of the payment processing value chain: from a third-party POS concentrator or merchant processor to a retail chain that uses private label loyalty cards as a customer retention tool.
SmartVista is optimised to run on all major commercial operating systems including UNIX, Linux, IBM i5/OS, with Oracle and DB2 database engines, so it can take advantage of all the latest technologies offered by these platforms to ensure high performance, high availability, scalability and security, including fault-tolerant, non- stop configurations.
SmartVista is based on a solid yet flexible security model that covers every aspect of information security, from data encryption in communication links, to front-end pervasive role-based user access control that can be configured down to individual user and individual customer record.
The SmartVista suite of products is constantly improved and enhanced, and we at BPC make every effort that it is always up to date with the latest and forthcoming versions of standards, regulations and business practices. All development and project related activities at BPC have been certified to conform to the ISO 9000:2001 quality management standard. SmartVista Functionality Areas The worldwide expansion of international payment organisations, the growing consolidation of national and regional payment networks, the extensive penetration of telecommunications and computing infrastructure with an emphasis on convergence and mobility, the constant growth of network bandwidth, computing power and storage capacity have all pushed the market to support common standards and have generated variety of business models and practices.
Many banks view the card as an integrated element of their client offering and therefore prefer to focus on their core business and outsource the ‘technical’ areas such as ATM management, merchant acquiring, card production and others to third- party processors and specialist companies. At the same time a lot of new players have emerged in the EFT market including non-bank payment processors, focused credit card issuers and large retailers and merchant associations.
But whatever the exact division of responsibilities in each particular business model, the basic ingredients needed to make up an end-to-end EFT and e-business value chain are pretty much the same and focus around a few distinct functionality areas:
Multi-channel service delivery with customers being able to initiate transactions and make queries using various devices and facilities, such as ATM, POS, kiosks, call centres, e-commerce websites, mobile phones, etc. ATM and POS network control, monitoring and management On-line acquirer-side authorisation switching to the appropriate host or other system that can authenticate the card and verify the availability of funds On-line issuer-side authorisation processing, with account limit/balance verification Interchange with payment networks (on-line for authorisations and off-line for clearing and settlement and reports) End-to-end clearing and settlement across the chain between the customer and merchant with fees applied appropriately among all parties Exception, chargeback and dispute processing Integration with other Line-of-Business applications such as retail/core banking systems, CRM, call-centres, etc. Customer origination and applications processing Card, account, customer and merchant management Product creation and management Card production and personalisation Fraud prevention and monitoring Loyalty and affinity schemes Social programmes and e-Government Sophisticated multiple account credit cards support Delinquency management Funds transfers to third-party accounts (utility payments, mobile account top- ups, etc.) Internet banking E-Commerce
SmartVista is designed to address all of these areas and meet the requirements in any combination: either as a complete integrated solution or as a system responsible for just any specific area working in conjunction with third-party solutions. SmartVista Environment Options
Being a modular integrated solution SmartVista can be used in a variety of configuration options depending on customer specific business needs and technology preferences. In both completed and on-going implementations, SmartVista based solutions provide the core platform for the following types of business:
Full-function retail bank with in-house card processing This is an environment for principal members of international payment associations offering a full range of the SmartVista Suite functionality, from traditional transaction switching and card management, to pervasive customer access to their card accounts using the channel of their choice.
Switch Solution This configuration is for customers who would like to take full advantage of SmartVista Front-End superior performance and flexibility to enhance their on-line real-time processing power whilst retaining their legacy back-office сard management environment. TPP/MSP As more and more banks outsource their processing environment to third parties, SmartVista’s multi-institution capability makes it an ideal match for organizations providing MSP/TPP services to smaller banks that act as affiliate licensees or sponsored members of a payment scheme.
Agent organization Also a full-function configuration, the SmartVista based Agent solution provides everything that may be needed by an associate/affiliate payment scheme member, independent selling organisation (ISO) or a member’s regional branch.
National Payment Network SmartVista can be used as a technology foundation for a national or international payment network. It supports all functions featuring such a payment processing system, including clearing and inter-bank settlement, message switching, routing and interfacing with member banks equipped with their own processing centres.
Merchant Processor Running a merchant acquiring network can be more effective if run as core business. SmartVista’s superior on-line functionality, terminal control/ management features and multi-institution capability are spot on for the Merchant Processor business case.
Payment Gateway SmartVista processing capabilities can be extended to a fully on-line environment where organisations acquire card payments over the Internet or GSM networks. It works as a bridge between cardholders, issuing and acquiring banks and service providers to enable secure electronic payment processing.
SmartVista Products
BPC SmartVista Suite is designed to support every aspect of business related to plastic card, smart chip card and electronic payment processing. Depending on the business requirements of our customer’s organisation and its place in the payment processing value chain, each implementation is composed of some or all of the closely integrated SmartVista products with all or some of their features and components activated. SmartVista solutions can handle both the issuer and acquirer sides of processing for members of international or local payment schemes such as Visa International, MasterCard Worldwide, American Express, Diners Club, JCB, Union Card, China Union Pay, BancNet and also to run a fully independent ‘us-on-us’ card scheme, should the customer so desire.
Designed from the outset as a solution for both traditional magnetic stripe and upcoming chip card processing, SmartVista offers a comprehensive EMV feature set, from EMV card personalisation and production to EMV ATM and POS acquiring. SmartVista’s important differentiator is that it has all the facilities to directly support the EMV infrastructure including key management, data preparation, authentication and card personalisation. The SmartVista Suite is made up of SmartVista Front-End, SmartVista Back-Office and SmartVista CardGen systems that together deliver a fully functional solution for a ‘classic’ card processing organisation dealing with magnetic stripe cards or EMV compliant chip cards. In addition, BPC offers a range of add-on products, modules and integration options so that customers can go for more sophisticated ways of doing business and also take advantage of the emerging and fast growing e- commerce and m-commerce models.
SmartVista Front-End System is responsible for all on-line real-time interactions and activities required to provide fast and error-free authorisation processing at both the issuer and acquirer sides. Typically all transaction origination devices, online payment scheme interfaces, online host interface as well as internet and wireless interfaces and any online interfaces are processed.
The key functional areas supported by SmartVista Front-End include:
Authorisation requests capture, processing and routing Stand-in, host and serial multi-host authorisation ATM and POS network management and monitoring, including support for multifunctional self-service kiosks On-line transaction monitoring using rule-based or statistics model to detect fraudulent transactions
SmartVista Back-Office System is providing off-line clearing and settlement with counterparties and payment networks; customer, card and merchant management; interfacing with the core banking and other IT systems; and for comprehensive reporting, both within the organisation and for external parties.
The features and functions of SmartVista Back-Office cover the following main categories:
Customer, card and merchant management, including fees, rates and limits set-up Clearing and settlement of financial transactions Dispute, chargeback and exception processing Fraud reporting and risk management Operational accounting (GL accounts maintenance) and reporting Comprehensive credit card functionality support Value-added services, such as co-brand cards, loyalty and affinity schemes, etc. SmartVista CardGen is a complete subsystem for magnetic and smart chip (EMV) card personalisation providing direct interfaces to card production equipment and offering the facilities for embossing data preparation, chip personalization data preparation, card security management procedures, etc.
All SmartVista products can be installed either as a complete solution or separately as standalone solutions integrated with legacy or third-party systems.
SmartVista Components
The following is a full list of off-the-shelf SmartVista components that can be used to configure SmartVista based solutions:
SmartVista Front-End System SmartVista Front-End Kernel Real-time transaction engine Issuer side and acquirer side authorisation processing Stand-in authorisation Posting File, Daily Balances, Card Reference PIN and Key Management
SmartVista ATM Management System ATM Interfaces NDC+, Diebold 912/DDC, Generic ISO8583 (Wincor Nixdorf, NCR, Diebold) ATM Remote Monitoring System ATM Scenario Distribution Cash-In (DDC, NDC+) Cash Recycling
SmartVista Front-End Terminal Interfaces ISO 8583 POS (Verifone, Lipman, Ingenico, Hypercom) Visa I/II POS (k, j) ISO8583 e-Payments Voice Transaction Processing Subsystem Multi-Media Kiosk Interface, IFX based SmartVista Front-End Network Interfaces Visa BASE I, Visa SMS MasterCard BankNet, MDS Diners Club DCISC Relay Network Interface American Express ISO 8583 Network Interface; IBRO AmEx JCB BancNet (Philippines) ISO8583 Generic SmartVista-to-SmartVista
SmartVista Front-End Core Banking System Interfaces Misys Equation FNS BANCS Systematics SAP Banking Unicard ISO 8583 Generic
Other SmartVista Front-End Interfaces GSM SMS notification GSM SMS banking Thales HSM SafeNet Protect Host White/Orange HSM SmartVista Front-End EMV Extensions EMV ATM Acquiring Support (NDC+, DDC, Diebold912) EMV POS Extension EMV Issuer Scripts
SmartVista Back-Office System
SmartVista Back-Office Kernel Customer, card, account and merchant management Product management Financial transaction processing Authorisation matching Customer applications processing Card issuing Operational reports
SmartVista Back-Office Clearing and Settlement Interfaces MasterCard GCMS Clearing Visa Base II Clearing Diners Club Clearing SmartVista American Express Reporting SmartVista JCB Clearing SmartVista-to-SmartVista Clearing
SmartVista Back-Office Core Banking System Interfaces Misys Equation FNS BANCS Systematics SAP Banking Unicard Generic Core Banking System Integration
Other SmartVista Back-Office Interfaces SmartVista Global Vision (Diners Club) Interface SmartVista Merchant Payment Interface
SmartVista CardGen
Magnetic Stripe Card Production EMV Data Preparation EMV Personalization
SmartVista Optional Modules and Functionality
SmartVista Fraud Prevention and Monitoring SmartVista Risk Management SmartVista Multi-institution SmartVista MSP/TPP SmartVista ATM and Merchant Acquiring SmartVista e-Commerce and 3D Secure SmartVista Internet banking system integration SmartVista Contact Centre integration SmartVista Fraud Detection Analysis SmartVista Multi-currency support SmartVista Disputes and Chargebacks SmartVista On-line Fees Acquirer/Issuer SmartVista Credit Card support SmartVista Loyalty and Affinity SmartVista DPP SmartVista P2P
SmartVista Retail Solutions
BPC SmartVista Suite offers a full range of facilities to extend its card processing capabilities to a fully integrated retail banking environment where cardholders can manage their card accounts using multiple channels of their choice.
Our customers can take full advantage of new innovative ways of doing business due to the unique combination of SmartVista OLTP capabilities, delivery channels integration through a single transaction engine and support for sophisticated retail products.
SmartVista can be used to support the following range of retail products and services:
Universal banking card: all client’s accounts are linked to one card which is a unique customer ID in all delivery channels providing access to a wide range of retail services.
Instant Issue and Prepaid Cards: the card is issued during the client’s first visit to the bank: Visa Instant Issue, MasterCard Electron, prepaid travel cards, gift cards.
Credit cards:
A wide range of card based credit products: consumer loans, revolving credits, overdraft credits, instant credits, charge-cards.
Accounting for credit based transactions: interest accruals, repayments, accounting of past-due aging, penalty interest rates, security and collateral accounting. Flexible payment plans: minimum amount/revolving schemes, full amount/charge schemes, fixed amount/installment schemes, Deferred Payment Plan – annuity pay- by-installment payment plan.
Funds transfers:
Transfers to third-party accounts: template based transfers from card linked accounts to preset bank accounts (utility payments, subscription, mobile account top-ups, etc.).
Transfers between card linked accounts, payments from card accounts to foreign accounts, inter-bank transfers, P2P payments using Visa/MasterCard technology.
Account replenishment: both delayed and on-line ATM deposits: envelope deposits, cash-in; time deposits, standing orders.
SmartVista Business Value Since its launch SmartVista has developed into a rich and mature solution superior to most of its competitors in terms of breadth of functionality. We have been keen to ensure that this growth should not come at the expense of performance and flexibility maintaining the key design principles that were laid in SmartVista foundation from the very beginning:
Always the right size through modular design Freedom of integration through open standards and interfaces Flexibility through parameterisation Scalability and availability through parallelisation and distributed processing capabilities
Therefore SmartVista customers can always be sure that they can easily expand or extend the solution as the need arises by adding new functionality and/or increasing throughput capacity.
In the perennial dilemma of choosing between best-of-breed and integrated solutions, SmartVista has taken the best of both worlds. Its two main components, SmartVista Front-End and SmartVista Back-Office are optimised to deliver different requirements that exist in real-time transaction processing environments and in the batch oriented back office domain.
SmartVista Front-End is a ‘lean and mean’ real-time transaction engine that can be scaled up or out as needed through unlimited process parallelisation capabilities and efficient communications infrastructure. SmartVista Back-Office, on the other hand, is built with focus on flexibility and intelligence, to minimize errors and difficulties in the process of collecting and analysing customer information and matching transactions, and to offer maximum freedom and minimum time to market when configuring services and products.
SmartVista architecture is designed to allow multiple instances of computing and communication processes running simultaneously, thus enabling optimal load- balancing and maximum throughput.
SmartVista fully utilises the high availability and fault-tolerance options offered by the underlying Unix and IBM i5/OS operating systems, Oracle and IBM DB2 databases and certified hardware platforms: IBM System i and System p, HP Integrity, HP 9000 и HP Superdome, Fujitsu-Siemens PRIMEPOWER, Stratus ft Server T Series and others.
SmartVista has been built and designed with the future in perspective. BPC continues to invest in product development and testing to expand functionality, extend the platform range and achieve new performance benchmarks. In addition to our own R&D resources, we sponsor the software development laboratory at the Moscow Engineering Physics Institute, one of Russia’s leading technical Universities, and also conduct joint activities with our major platform partners, such as IBM, HP, Fujitsu- Siemens and others at their competence centres.
BPC always enables its customers to take full advantage of SmartVista’s excellent design, so we have taken efforts to make sure that the services we provide with and around SmartVista are at par with our product’s quality. BPC runs its projects based on PMI methodology in full compliance with ISO 9001-2001 quality standard, as attested by a certificate from SGS International Certification Services (SGS ICS). Once the solution is installed, customers receive SLA based support, with 24x7 Help Desk, on-line service request entry and tracking facilities, remote access or on-site support and dedicated support officers.
Through our 12 years of experience of card processing requirements in the electronic payment industry and via the knowledge invested in the development of the SmartVista Suite, we deliver reduced Total Cost of Ownership, Improved Return on Investment, Shorter Time to Market, Increased Competitive Advantage with Improved Customer Service and Experience, to our customers globally. MOSCOW — BPC Banking Technologies Bld. 2, 50A/8 Zemlyanoy Val St., Moscow, Russia, 109028 Tel.: 7 (495) 780-3165 Fax: 7 (495) 780-3167
AMSTERDAM — BPC BV Joop Geesinkweg 901-999, 1096 AZ Amsterdam, The Netherlands Tel: (31 20) 561 7950 Fax: (31 20) 561 6666
DUBAI — BPC MEA PO Box 54620, Dubai, UAE Tel: (971 4) 214 9860 Fax: (971 4) 214 9501
SINGAPORE — BPC Asia Pacific Level 36 UOB Plaza 1, 80 Raffles Place, Singapore 048624 Tel: (65) 6248 4760 Fax: (65) 6248 4501
http://www.smartvista.biz E-mail: [email protected]