Components of a card
5
Make it happen Divisional descriptor (optional) Internal Use An example of the front of a typical Card: 1.Issuing bank logo 2.EMV chip 3.Hologram 4.Debit Card Number 5.Card brand logo 6.Expiry Date 7.Cardholder's name 1. Magnetic Strip 2. Signature Strip 3. Card Verification Value (CVV) Components of a card
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Components of a card. An example of the front of a typical Card: 1.Issuing bank logo 2.EMV chip 3.Hologram 4.Debit Card Number 5.Card brand logo 6.Expiry Date 7.Cardholder's name. Magnetic Strip Signature Strip Card Verification Value (CVV). ATM Transaction Flow. Middle Ware - PowerPoint PPT Presentation
Transcript of Components of a card
Make it happen
Divisional descriptor (optional)Internal Use
An example of the front of a typical Card: 1.Issuing bank logo 2.EMV chip 3.Hologram4.Debit Card Number 5.Card brand logo 6.Expiry Date 7.Cardholder's name
1. Magnetic Strip2. Signature Strip3. Card Verification Value (CVV)
Components of a card
Make it happen
Divisional descriptor (optional)Internal Use
POS
Switch
Core banking Host Middle Ware
ATM
POS
HSM
ATM - Automated Teller Machine
NCR, Diebold , Wincor
POS - Point Of SaleVeriphone, Bradma
SWITCHBase24 – ACI (US)IST/Switch – Oasis
(Canada)
HSMTHALES / SAFENET /
ATTALA / RACAL
Middle WareBancConnect/
Connect24 (Infosys)
Core banking Host.Finacle (Infosys)FlexiCube (i-Flex)
ATM Transaction Flow
Make it happen
Divisional descriptor (optional)Internal Use
Big Bazaar
Card
XYZ
BankBank
VISA /
MasterCard
Cardholder
Merchant
Acquiring BankIssuing Bank
Card Association
POS Transaction Flow
Make it happen
Divisional descriptor (optional)Internal Use
IST/SWITCH
IST/CardATM/ POS
HSM
Printer
CSIS
Card Vendor
CMS
Uniserv
Plastic Cards
CONNECT
24
VAP VISA
UBPS System (Payaway)
CORE BankingAlternate ChannelsExternal Networks
CORE Banking – Finacle
Us-On-Us•Our Card
•Our Terminal
Us-On-Net•Our Card
•Other Terminal
Net-On-Us (Off-Us)•Other Card
•Our Terminal
Card / Transaction Life Cycle
ATM/ POS
Make it happen
Divisional descriptor (optional)Internal Use
All Alternate Channels
IST/SWITCH
IST/CardATM/ POS
HSM
Printer
CSIS
Card Vendor
CMS
Uniserv
Plastic Cards
CONNECT
24
VAP VISA
UBPS System (Payaway)
Phone Banking
Internet Banking
SMS (Mobile) Banking
GSM Modem
Service Provider
IVR Telephone Lines
CORE BankingAlternate ChannelsExternal Networks
Internet
Card
Telephone
CORE Banking - Finacle
IST/SWITCH
IST/CardATM/ POS
HSM
Printer
CSIS
Card Vendor
CMS
Uniserv
Plastic Cards
CONNECT
24
VAP VISA
UBPS System (Payaway)
Phone Banking
Internet Banking
SMS (Mobile) Banking
GSM Modem
Service Provider
IVR Telephone Lines
CORE BankingAlternate ChannelsExternal Networks
Internet
Card
Telephone
CORE Banking - Finacle
