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 is
a
debit card authorisation system available 24/7.
It supports for the following functions the communication
protection, card and account validation and backend interface
processing for the banks own cards.
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Withdrawals
at own and other domestic and international ATM’s
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Deposits
at own ATM’s
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Payments
at domestic and international POS as well as ecCashOffline
terminals
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Transfer
of money to the “Geldkarte”
(prepaid debit card) at own and other terminals
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Transfer of money to a prepaid mobile phone card
at ATM’s
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Display of account balances
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Processing of self service terminal requests
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Processing of advice messages
Currently the authorisation of magnatic strips and chips version SECCOS 5.0 and SECCOS 6.0 is supported.
Request processing
The incoming messages, from own terminals as well as from acquirer
gateways, are checked and authorised.
To document the authorisation, technical and account related log
files are kept during processing.
The ISO converter, which is a central input and output component for
all messages, converts different message formats (ISO 8583, etc.) to
one internal working structure. At the end of processing, this
structure contains all relevant information to create outgoing
message in the desired output format.
The customized Repository contains the base information upon which
authorisation components are to be processed.
This centrally controlled authorisation process as well as the
modular construction of the authorisation system easily facilitates
an extension and redesign of the functions.
Designed as a service oriented architecture (SOA), our system
economically adjusts to the requirements of the future.
Transaction security
As a part of the transaction security,
manages
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the symmetric cryptography according to the DES algorithm
(single and triple DES)
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the asymmetric cryptography for the signature / HBCI
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hash
value calculation based on MD5 / ZIV
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the key translate to and from the issuer and acquirer
gateways,
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the PIN verification as per ISO
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the security of the bitmap subentries for chip based
transactions such as a “Geldkarte” (prepaid debit card), EMV and
ecCash offline
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Scripting for SECCOS 5 and 6 cards
and EMV transactions (e.g. updates of the chip risk parameters
and/or the retry counter reset)
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Card- and account validation
Parts of the card- and account validation are:
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Card, account and disposition checks
against the backend system,
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Card, account and usage lock checks,
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Set locks
depending on the PIN validation and retry counter
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Withdrawal limit checks depending on the card and account as
well as
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Validation of information relevant to the chips
of EMV and ecCashOffline
Backend processing
The existing central components can be economically and easily
combined through the open interfaces of the system (parametric user
exits). e.g.
also
initializes the following data base updates:
Response
sends
back a positive or negative response depending on the validation.
The EMV response can be customized according to the issuer’s
requirements.
logs
all incoming and outgoing messages according to the legal audit
requirements.
Advice messages
Relevant information about limits and locks is provided to the
gateways for independent offline authorisation.
What are the benefits of
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optimized and service oriented business processes
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short lead times
for new functions and business transactions and therefore
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high flexibility
considering the changing market requirements
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quick, smooth and simple
integration into your existing system with its open architecture
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reduced running costs
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liability shift
with chip based transactions
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SEPA
(single euro payments area) processing
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Routing to different issuer gateways.
in
use.
Courrently processes
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