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