Lusis 2014 NA Presentation.pdf
Transcript of Lusis 2014 NA Presentation.pdf
NORTH AMERICA COMPANY AND PRODUCT OVERVIEW
TANGO BUSINESS FRAMEWORK CORE ARCHITECTURE
1999 2002 2009 2010 2011 12-13
Timeline of Events
Lusis formed TANGO
Launched
Lite POS and Booster
Launched
cv
Major Global Processor
Major European Processor
HP Agreement
Major North American Bank & Indian Processor
TANGO port to HP NonStop
Lusis Payments Formed
OVER 50 INSTALLATIONS ACROSS THE GLOBE
• Experienced payments company
• Implementations and Migrations: Large scale Managing the risk of change
• Strong technical R&D: SOA design Speed To Market Flexibility
• Global partnerships and alliances: Creating greater value, maximizing return on investment
Experience and Credentials
4
cv
Major European Processor
• South African national switch (SA Switch)
• 2 bn transactions per year, BASE24 on HP NonStop
• Evaluated 6 vendors:
ACI Distra Lusis Openway Opus S1
• Selected TANGO because:
-functionality exceeded -SOA flexibility
-configurability -integral data replication tools
-real-time monitoring -tracking and tracing tools
-licensing and fee model -SDK promoted self-sufficiency
• Pilot proved rapid development and deployment
• Real-Time Clearing (RTC) included in migration
• Production rollout complete March 2013
BankservAfrica
• Pan-Nordic merchant and banking clients • BASE24-atm system driving 900+ NCR & Wincor NDC+ devices • RFP full due diligence – Lusis selected from shortlist • TANGO replaces BASE24-atm on HP NonStop • Migration project includes pilot • Switch over mid-2013 • Partners add value: -EPSCI ATM screen configuration -T3 migration simulation and test tool
European Processor
• Part of Groupe BPCE #2 in France
• 10,000 ATMS 100,000 POS 5 m transactions per day
• TANGO on HPUX with Oracle, providing:
- ATM acquiring front office management
- Withdrawal and payment transactions, issuing authorizations
- POS acquiring front & middle office solution
- e-commerce acquiring solution
• Global solution for all BPCE banks, subsidiaries and partners
• 2 months to integrate the first Partner Bank
Under 2 months to deliver new functions
- cash deposit
- mobile phone top-up
- contactless transit top-up
Caisse d’Eargne
• Global leader in behaviour-based marketing and promotions
• Tier 1 retail clients:
Safeway Ahold Carrefour Sainsbury Intermarche Walgreens
• Logs 300m transactions per week for 25,000 supermarkets
• Tracks purchase history of 90m US households
• Issues 4.5bn customized, promotional offers per year
• TANGO is white-labelled within Catalina managed service
• Deployments vary: - Safeway runs at peak 500tps in Linux SUSE SLES 10 with Oracle
• Catalina implements and provides level 1 support
• Continuous innovation is collaborative process
Catalina Marketing
• Largest retail bank group in France
• Monecam merchant acquiring business
45,000 merchants 800m transactions per year
• TANGO on Linux with MySQL, plus AIX with Oracle
• Novendo:
- LitePOS terminal management
- Booster loyalty application
• Square Connexion e-Marketplace:
- CA cardholders
- Local merchants
- Community groups
- UPS Logistics …
Credit Agricole
TANGO A mission-critical transaction processing system for acquiring, routing, switching, authenticating, and authorizing transactions across multiple channels including ATM, POS, e-Commerce, and Mobile.
COMPANY BUSINESS FRAMEWORK CORE ARCHITECTURE
• TANGO is a fully-functional solution for all payment transactions
• Payment transactions acquired from a range of delivery channels for: - Routing / Switching - Authentication / Authorization
• Controlled by configuration parameters that are: - Stored in the database - Easily modified via web browser UI - Dynamically reloadable with no interruption to service - Integrated fraud detection rules - Real Time and Near Real Time - Configurable from both Acquirer and Issuer perspective
TANGO Payment Solution
• Extensive authentication and authorization algorithms
• Logically structured in modular units
• Authorization based on multiple criteria
• Card Type
• Transaction Type
• Transaction Origin
• Limits and Accumulated Usages
• Available Funds
• Support for latest industry standards
• EMV
• E-payment specifics (VbV, SecureCode, OTP, etc.)
TANGO Payment Solution
High
Ava
ilabi
lity
Core
Arc
hite
ctur
e
Business Framework
ATM
POS
Mobile
E-Commerce
Authorisation and Issuing Clearing and Settlement Acquiring
Routing
Switching
Loyalty
Fraud Control Net
wor
k Co
nnec
tions
Web
serv
ice
API’s
Larg
e Re
taile
r
Chan
nel M
anag
emen
t
Tran
sact
ion
Supp
ort
Smal
l Ret
aile
r
Card Schemes Networks Issuing Host
Fraud Control
Financial Authorisation
+ Management
Card + Account Management
Inbound and Outbound
Reconciliation
• System configured with only the required functional components
• Easier to monitor
• Lighter footprint
• Easier to maintain
• Easier and quicker to add new channels, transaction types, etc.
• Swift reaction to industry initiatives and regulations
• Regression testing cycle is shorter and more focussed
• Faster time to market
• Reduced cost of implementing new functions
• Flexibility of configuration promotes innovation
• Differentiate for market share
• Improve customer experience
• Enhance brand image
Acquiring Benefits
• Powerful routing capability using transaction or configuration data
• Based on highly configurable, granular controls
• Stored as business functions or held in tables accessed via TANGO web browser UI
• Minimizes coding, maximizes speed to market of new rules
• Integrated fraud detection
• Real time rules
• Near real time rules
• Integrated, multi-channel loyalty and instant promotion offering
• Real time advice broadcast to external systems
• Settlement
• Reporting
• Web browser UI to inquire on cards, accounts, activity
• Management dashboards to monitor network interface SLAs
Authorization and Issuing
• For financial institutions, the ability to develop new interfaces swiftly to connect to networks and external systems is key to its business
• TANGO integrates easily with other networks and systems
• Quickly with minimal development time
• Using the most appropriate communication method:
• Industry-standard online protocols (ISO 8583, XML, etc.)
• Industry-standard batch protocols (APACS29b/50/70, etc.)
• Card Scheme protocols (Visa, MasterCard, Amex, etc.)
• Web Services
• Lusis-designed, TANGO APIs (Java, C++)
• Proprietary, in-house formats
Switching
APIs
• TANGO can easily integrate with external applications using existing components when no other connectivity method is available or appropriate
• Providing Perl and Python libraries and C, C++, XML and Java APIs
• The Java API for example:
• Interacts with Java applications by building hybrid Java objects
• Uses JCA as the Java layer for implementation
• The exchanges between TJ_CLI and the other EJBs are defined by standard JCA system-level contracts
• Messages exchanged between the AS and the EIS are in native TANGO format
• The TANGO Dispatcher routes messages sent to it by TJ_SESS to the appropriate destination service.
• TANGO High Availability solution
• Active/Passive or Active/Active
• Standard TANGO components
• Fully integrated with TANGO architecture and technology
• Application-level messaging
• Cut-down advice messages over SSL link
• Easier to control, manage, and re-route if necessary
• Reduced complexity and cost
• No 3rd party product to integrate
• Single technology and architecture
• Lower implementation and maintenance costs
High Availability
Core Architecture
COMPANY BUSINESS FRAMEWORK TANGO
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Core Architecture
Log Server Hypervisor Trace Server
Dispatcher Web Services IN
Web Services OUT
Technical Function Z
Business Function B
Technical Function Y
Business Function A
Dispatcher And
Data Bus
The Core Design Provides Flexibility
Classical approach
Software changes in one place will impact a
lot of different modules - adding a field in one message causes most of the application to be recompiled and re-linked
LUSIS BUS + SOA approach
Only directly impacted modules have
to be enhanced. There is no need for a full validation of the application
crypto
ATM1
POS1
NET 1
NET 2
POS2
ATM2 CORE access controls authorisation
CA
crypto
ATM1
POS1
NET 1
NET 2
POS2
ATM2 B U S
Auto
AC
Thank You!
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YOUR NORTH AMERICAN LUSIS PAYMENTS REPRESENTANTIVE
BRIAN MILLER VP & GM for Americas
(415) 829-4577
www.lusispayments.com