Since 1995…

HPS team

offers you the best paym

ent solutions

Who W

e Are?H

PS, an innovative p

ayment so

ftware co

mp

any at the fo

refront o

f the international p

ayments ind

ustry. Po

werC

AR

D is H

PS’ pio

neering suite o

f solutio

ns and

can pro

cess any card typ

e (credit, d

ebit, p

repaid

, lo

yalty, corp

orate and

fuel) via any channel (ATM

, POS,

internet and m

ob

ile) covering

the entire paym

ents chain, and

used b

y over 350 p

ayments o

perato

rs w

orld

wid

e.

HPS, a truly g

lob

al com

pany w

hich op

erates in over 85

countries in five reg

ions, and

counts several lead

ing

financial institutions am

ong

its clients.

What W

e Do?

HPS co

nstantly develo

ps g

round

-breaking

and

inventive solutio

ns for its g

lob

al paym

ent platfo

rm,

Pow

erCA

RD

. The all-in-one p

latform

is a rob

ust, scalab

le solutio

n which enab

les org

anisations o

f all sizes to

bo

ost the co

st-effectiveness and co

mp

etitive p

ositio

ning o

f their card issuing

, switching

and

acquiring

solutio

ns.

How

Do W

e Operate?

At H

PS, we ap

preciate that w

e are a fundam

ental p

art of an evo

lving p

ayment ind

ustry and o

ur strategy

focuses o

n continually d

evelop

ing o

ur glo

bal p

ayment

platfo

rm Po

werC

ARD

to enab

le innovative p

ayments

and p

roactive resp

onsiveness to

the market evo

lutions.

HPS has d

evelop

ed the Po

werC

ARD

platfo

rm, w

hich is a co

mp

rehensive suite of electro

nic paym

ents so

lutions that co

vers the entire paym

ents value chain o

f issuing, acq

uiring &

switching

in one g

lob

al p

latform

. This enables p

ayments inno

vation b

y allo

wing

new p

rod

ucts to b

e bro

ught to

market

quicker, and

changes to

be im

plem

ented faster and

at a lo

wer co

st. The Pow

erCA

RD so

ftware d

oes this

by using

a cutting ed

ge and

flexible techno

log

y architecture that is co

nsistently seen as the future of

the paym

ents industry.

7

HPS group N

OW…

HPS designs, develops,

implem

ents and supports a suite of m

ulti-channel electronic paym

ent solutions. W

e created PowerCA

RD

with the vision of offering

innovative solutions that m

eet all of today’s payment

needs.

Since 1995, we have sup

po

rted o

ur clients and

helped

them o

vercom

e the everyd

ay challenges that they enco

unter b

y offering

them so

lutions and

quality

services. Am

ong

our ind

ustry’s leaders,

HPS m

aintains close p

roxim

ity with its

clients thanks to its 300 em

plo

yees across

its various o

ffices throug

hout the w

orld

. O

ur expertise d

evelop

ed in m

ore than

85 countries allo

ws us to

effectively meet

our clients’ need

s by co

mb

ining 1,000

accumulated

man/years o

f Research &

D

evelop

ment w

ith our kno

wled

ge o

f local

specific characteristics.

Locations

• Aix-E

n-Provence

• Casab

lanca• D

ubai

• Paris+85COU

NTRIES

+350FIN

AN

CIAL IN

STITUTION

+110PROD

UCTION

SITES

+15%OF REV

ENU

ES IN R&

D+300

EXPERTS A

ND

CONSU

LTAN

TS

PowerCARD Key Capabilities

PowerCARD

-xPOS

PowerCARD

-eComm

erce

PowerCARD

-Acquirer

PowerCARD

-Switch

PowerCARD

-eSecure

PowerCARD

-Dashboard

PowerCARD

-ACH

PowerCARD

-Issuer

PowerCARD

-WebPublisher

PowerCARD

-ATMPowerCARD

-Tokenisation

PowerCARD

-Fraud

PowerCARD Solutions

PowerCARD Key Capabilities

• The who

le paym

ent value chain in a single and

mo

dular p

latform

• PA

-DSS certificatio

n • M

ulti-languag

e, multi-currency, m

ultipaym

ent scheme &

multi-channel cap

abilities

• SOA

architecture • O

pen p

latform

(Unix, O

racle, J2EE based

) • H

igh level o

f perfo

rmance, security and

availability

5,000*

CO

NC

URREN

T USE

RS100,000,000

*

CA

RDS

3,000*

TRAN

SAC

TION

SPER SEC

ON

D

20,000,000*

BA

TCH

TRAN

SAC

TION

SPRO

CESSED

*Maxim

um vo

lumes p

rocessed

by Po

werC

ARD

on a sing

le platfo

rm

PowerCARD-Issuer

PowerCARD

-IssuerC

om

plete services fo

r issuance and m

anagem

ent of all card

types

in all form

ats.

• Client O

riginatio

n, Bo

arding

, Activatio

n & Retentio

n• Full Pro

duct Issuing

& M

anagem

ent Functionality

• Fraud &

Risk Manag

ement, C

hargeb

ack, Disp

utes & C

ollectio

ns• M

ultichannel Loyalty M

anagem

ent• Po

werful &

Effective C

ustom

er Service Cap

ability

Solution Overview

Card and Customer M

anagement

• Card

Manag

ement M

od

ule• Interfaces

Customer A

ccount Managem

ent• C

redit A

ccount M

od

ule• Prep

aid A

ccount M

od

ule• Interfaces

Issuer Clearing & Settlem

ent Managem

ent• Internatio

nal Schemes

• Do

mestic Schem

es• Po

werC

ARD

Manag

ed Schem

es Fraud M

anagement

• Batch Fraud

Mo

dule

• Interfaces

Chargeback Managem

ent• C

hargeb

ack Mo

dule

Reporting Managem

ent• Rep

orting

Mo

dule

• Dashb

oard

Mo

dule

• Interfaces

Loyalty Managem

ent • A

dvanced

Loyalty M

od

ule• Push M

arketing M

od

ule

Other Interfaces

• Co

m. Interfaces

• Bank H

ost Interfacese

Security Managem

ent • H

SM Interfaces

Pow

erCA

RD

-Issuer pro

vides co

mp

lete services for

issuance and m

anagem

ent of all card

types (co

rpo

rate, cred

it, installment, d

ebit, p

repaid

, gift card

) in all fo

rmats (m

agnetic strip

e, EMV, N

FC / co

ntactless, virtual,…

).

Pow

erCA

RD

-Issuer has been d

evelop

ed to

supp

ort all

kind o

f issuers, from

small to

large and

glo

bal financial

institutions, b

anks, credit co

mp

anies, retailers and

private card

pro

cessing co

mp

anies.

The system has full m

ulti-currency, multi-p

rod

uct, m

ulti-institution and

multi-lang

uage cap

abilities and

m

anages card

po

rtfolio

s across d

ifferent countries and

fo

r different issuers o

n a single g

lob

al platfo

rm.

Pow

erCA

RD

-Issuer’s rule-based

engines allo

w the

mo

dernizatio

n of financial institutio

ns’ paym

ent system

s to achieve o

riginatio

n from

any channel and

any form

at, add

advanced

wo

rkflow

desig

n to

imp

rove the co

llection and

use of p

ayment

inform

ation. Po

werC

ARD

-Issuer architecture supp

orts

config

urability, access and

use of info

rmatio

n, which

is not read

ily po

ssible in a m

ore rig

id, b

lack-bo

x enviro

nment.

Pow

erCA

RD-Issuer also

supp

orts all the b

ack-o

ffice functions asso

ciated w

ith running the card

issuance activities – exam

ples includ

e fraud and

risk m

anagem

ent, chargeb

ack, disp

utes and co

llections

manag

ement.

A custo

mer service fo

cus is essential to the success

of the issuers’ p

ayments b

usiness. At the heart o

f Po

werC

ARD

-Issuer is a po

werful relatio

nal datab

ase, g

iving a co

nsolid

ated view

of the custo

mer and

the custo

mer’s transactio

ns allow

ing revenue g

row

ththro

ugh custo

mer retentio

n and acq

uisition. Issuers

can view their co

mp

lete relationship

with ind

ividual

custom

ers, and custo

mer d

ata is readily availab

le for

custom

er pro

ling and

segm

entation activities.

EMV

Magstripe

NFC

PowerCARD-Acquirer

PowerCARD

-AcquirerC

om

prehensive m

erchant manag

ement p

latform

enabling

acq

uirers to tailo

r specific so

lutions fo

r merchants.

• Merchant O

riginatio

n, Bo

arding

, Activatio

n & R

etention

• Sop

histicated B

illing, C

learing, Settlem

ent & Rep

orting

• Fraud &

Risk M

anagem

ent, Charg

eback, D

isputes &

C

ollectio

ns• M

ultiple Pricing

& C

harging

Cap

abilities

• Extensive Set O

f Value Ad

ded

Services• E

fficient Merchant M

anagem

ent Supp

ort

Pow

erCA

RD

-Acq

uirer is a com

prehensive m

erchant m

anagem

ent platfo

rm enab

ling acq

uirers to tailo

r sp

ecific solutio

ns for any kind

of m

erchant from

small

to larg

e, with o

r witho

ut com

plex hierarchy, o

n the sam

e Pow

erCA

RD

-Acq

uirer platfo

rm.

Pow

erCA

RD

-Acq

uirer is a multi-channel so

lution w

ith no

restriction o

n the type o

f transactions p

rocessed

allo

wing

acceptance o

f all types o

f paym

ent – online,

in perso

n, on the g

o and

over the p

hone.

Merchant acco

unts and transactio

ns are stored

and

manag

ed in Po

werC

ARD

-Acq

uirer giving

acquirers

com

plete co

ntrol o

f the merchant b

illing, clearing

and

settlement p

rocesses. Transactio

ns that are subm

itted

to Po

werC

ARD

-Acq

uirer are autom

atically settled

with m

erchant accord

ing to

the flexible settlem

ent o

ptio

ns that are pro

vided

. Merchant service charg

es

and transactio

n fees are calculated and

manag

ed

throug

h Pow

erCA

RD-A

cquirer w

hich also facilitates the

collectio

n of fees and

charges fro

mthe m

erchants.

Merchant service charg

es and transactio

n fees are m

anaged

throug

h a sop

histicated and

po

werful fee

generatio

n engine that g

ives acquirers flexib

ility to

pro

po

se attractive pricing

op

tions to

merchants.

Pow

erCA

RD-A

cquirer m

ulti-currency, multi-

institution and

multi-lang

uage cap

abilities allo

w the

manag

ement o

f cross-b

ord

er acquiring

op

erations.

Pow

erCA

RD-A

cquirer’s ab

ility to m

anage m

erchant p

ortfo

lios in d

ifferent countries and

for d

ifferent accep

tance institutions, m

eets the needs o

f glo

bal and

m

ultinational m

erchants.

Solution Overview

M

erchant Managem

ent• M

erchant Manag

ement M

od

ule• M

erchant Acco

unt Mo

dule

• Interfaces

Transaction Managem

ent• Transactio

n Processing

Mo

dule

• Charg

eback M

od

ule

Acquirer Clearing &

Settlement M

anagement

• International Schem

es• D

om

estic Schemes

• Pow

erCA

RD M

anaged

Scheme

Reporting Managem

ent• Rep

orting

Mo

dule

• Merchant Pro

fitability M

od

ule• D

ashbo

ard M

od

ule• Interfaces

Fraud Managem

ent• B

atch Fraud M

od

ule• Interfaces

Accounting M

anagement

• Acco

unting M

od

ule

Acquiring Channel M

anagement

• Pow

erCA

RD-eC

om

merce Interface

• Pow

erCA

RD-Sw

itch Interface• 3

rd Party Switch Interface

Value Added Services M

anagement

• Merchant Pro

mo

tions M

od

ule• Push M

arketing M

od

ule • B

ill paym

ent Mo

dule

• Mo

bile To

p U

p M

od

ule• D

CC

Mo

dule

Merchant

Managem

entM

erchant Contract

Merchant

Pricing

PowerCARD-Switch

PowerCARD

-Switch

Ro

uting, stand

in, authorizatio

n available in a hig

h available

environm

ent.

• Autho

rization m

anagem

ent• M

essage Sw

itching• Stand

-In, Store A

nd Fo

rward

(SAF)

• Multi-channel

• Real-time A

nd N

ear Real-tim

e fraud d

etection

• Supp

orts A

ctive-Active

• Hig

h Level of Perfo

rmance

PowerCARD

-Switch for

AcquirerSw

itching Managem

ent• Ro

uting M

od

ule

Acquirer A

uthorization Interfaces• Internatio

nal Schemes

• Do

mestic Schem

es• Po

werC

ARD

Manag

ed Schem

es

Fraud Managem

ent• O

nline Fraud M

od

ule• Interfaces

Value Added Services M

anagement

• VAS Interfaces

Security Managem

ent• H

SM Interfaces

PowerCARD

-Switch for

IssuerStand-In M

anagement

• Stand-In / SA

F Mo

dule

Authorization M

anagement

• Bank H

ost

• Issuer Autho

rization M

od

ule

Issuer Authorization Interfaces

• International Schem

es• D

om

estic Schemes

• Pow

erCA

RD M

anaged

Scheme

Fraud Managem

ent• O

nline Fraud M

od

ule• Interfaces

Script Managem

ent• Scrip

ting M

od

ule

Security Managem

ent• H

SM Interfaces

Pow

erCA

RD

-Switch o

ffers 100% availab

ility with active/

active architecture, it is also ab

le to p

rocess tho

usands

of transactio

n per seco

nd. A

perfo

rmance exp

ected

in the missio

n-critical wo

rld o

f electronic p

ayment

transaction p

rocessing

.

Pow

erCA

RD

-Switch sup

po

rts all paym

ent netwo

rks services and

seamlessly enab

les multi-channel

authorizatio

n and transactio

ns switching

.

Pow

erCA

RD

-Switch o

ffers value add

ed services

involving

multip

le actors in the sam

e transaction such

as DC

C, m

ob

ile Top

-Up

and b

ill paym

ent.

Pow

erCA

RD

-Switch m

anages interfaces w

ith the majo

r internatio

nal paym

ent schemes to

ensure ong

oing

co

mp

liance with V

isa, MasterC

ard, A

merican Exp

ress, D

iners Club

, Japan C

redit B

ureau (JCB

) and C

hina U

nion Pay (C

UP), thus p

rovid

ing g

lob

al connectivity

and w

orld

wid

e acceptance.

Pow

erCA

RD-Sw

itch also m

anages interfaces w

ith ad

ditio

nal netwo

rks, including

do

mestic p

ayment

schemes.

Pow

erCA

RD-Sw

itch can detect in real-tim

e or near

real-time any susp

icious autho

rizations and

make

the right d

ecisions in real-tim

e being

able to

decline

authorizatio

ns, alert the cardho

lders o

r op

en a case for

further investigatio

n.

Pow

erCA

RD-Sw

itch is interop

erable w

ith Pow

erCA

RD-

Issuer and Po

werC

ARD

-Acq

uirer to p

rovid

e issuers and

acquirers w

ith a single, reliab

le platfo

rm thro

ugh

which transactio

ns are pro

cessed.

AuthorizationRouting

Stand-In

POS

mPO

SePO

S

PowerCARD-xPOS

PowerCARD

-xPOS

A so

phisticated

solutio

n that config

ures and p

arametrises

devices, sw

itches authorizatio

ns and m

anages transactio

ns for any

kind o

f Point O

f Sales devices (PO

S, mPO

S, ePOS,…

).

• Device M

anagem

ent System: p

arameters m

anagem

ent and

inventory m

anagem

ent• A

uthorizatio

n Switching

& Transactio

n Data C

apture

• Device D

riving• Value-A

dd

ed Services (D

CC

, Bill Paym

ent, Mo

bile To

p-up

, Instalm

ents, Cash-B

ack, …)

Pow

erCA

RD-xPO

S allow

s multinatio

nal retailers, retailb

anks and p

ayment service p

rovid

ers to b

e able to

rapid

ly ro

ll out new

services and sim

plify w

orld

wid

ed

evice dep

loym

ent while co

ntrolling

maintenance and

adm

inistration co

sts.

Pow

erCA

RD-xPO

S supp

orts any kind

of Po

int Of Sales

devices: stand

alone PO

S, ePOS (integ

rated cash reg

ister), M

ob

ile POS,…

Pow

erCA

RD C

onnect’ Transacting

APIs exp

oses A

PIs fo

r 3rd p

arty to feed

authorizatio

ns and transactio

ns to

Pow

erCA

RD-xPO

S.

Pow

erCA

RD-xPO

S has a native built-in interface w

ith Po

werC

ARD

-Switch to

op

timize o

peratio

ns but can also

integ

rate seamlessly w

ith other external so

lutions.

Pow

erCA

RD-xPO

S config

ures devices thro

ugh a co

mp

lete set o

f param

eters, it also m

anages d

evice lifecycle and

pro

vides d

evice inventory.

Pow

erCA

RD-xPO

S drives d

evices, switches autho

rizations

and cap

tures transaction d

ata. The solutio

n enables

value-add

ed services such as D

CC

(Dynam

ic Currency

Co

nversion), b

ill paym

ent, mo

bile to

p-up

, instalments,

cash-back,…

Pow

erCA

RD-xPO

S is a multi-p

roto

col so

lution and

device

agno

stic. Devices m

anaged

by Po

werC

ARD

-xPOS can

accept all typ

es of card

s (mag

netic, EMV

and chip

cards,

contactless etc.) b

eing p

repaid

, deb

it, credit, lo

yalty or

private lab

el cards.

Solution Overview

Device M

anagement

• Inventory M

anagem

ent• D

evice Parameters M

anagem

ent

Payment M

anagement

• Autho

rization M

anagem

ent• D

ata Cap

ture

Interfaces Managem

ent• Po

werC

ARD

Co

nnect’ Transacting A

PIs

Protocol Managem

ent• O

ther Proto

col

• Pow

erCA

RD Pro

toco

l PPWM

Value Added Services M

anagement

• Online Lo

yalty Transaction Interface

• Online B

ill Payment Interface

• Online M

ob

ile Top

Up

Trx. Interface• O

nline DC

C Transactio

n Interface

PowerCARD-ATM

PowerCARD

-ATMA

com

prehensive self-service so

lution that sup

po

rts financial institutio

ns and retailers in m

aximizing

their ATM

s.

• Mutli-vend

or So

lution

• ATM

Manag

ement

• ATM

Mo

nitoring

• ATM

Switching

& D

evice Driving

• ATM

Value-add

ed Services (B

ill Payment, C

ash Dep

osit, C

ardless

Withd

rawal)

Pow

erCA

RD-A

TM p

rovid

es a com

prehensive, self-service

solutio

n that supp

orts financial institutio

ns and retailers to

m

anage, secure and

get m

ore fro

m their A

TMs.

Pow

erCA

RD-A

TM p

rovid

es sop

histicated to

ols to

co

ntinuously m

onito

r ATM

netwo

rks and executes

notificatio

ns to the ap

pro

priate sup

ervisors w

hen the A

TM is m

alfunctioning

and/o

r cash runs out b

y sending

alerts thro

ugh Em

ail and SM

S and ensuring

24/7 ATM

availab

ility.

Pow

erCA

RD-A

TM help

s to red

uce the op

erational co

sts b

y offering

a full range o

f reconciliatio

n too

ls from

ATM

to

back-o

ffice accounting

From

perso

nalized A

TM screens to

custom

pro

mo

tions,

Pow

erCA

RD-A

TM help

s financial institutions im

pro

ve relatio

nships and

leads to

greater revenue b

y offering

custo

mers extend

ed services at the A

TM and

turning the

ATM

into a 24/7 m

ini-branch.

Provid

ing o

ptim

ized co

nvenience, efficiency and security,

Pow

erCA

RD-A

TM o

ffers a wid

e range o

f services such as cash w

ithdraw

al, balance inq

uiry, short statem

ent inquiry,

checkbo

ok req

uest, perso

nalized m

essages to

custom

ers, cash d

epo

sit, check and d

ocum

ent dep

osit, PIN

change,

top

-up and

bill p

ayment.

Solution Overview

ATM M

anagement

• ATM

Parameters M

anagem

ent• A

TM M

onito

ring

Equipment M

anagement

• Winco

r• D

iebo

ld• N

CR

• Other

ATM Services M

anagement

• Multi C

urrency Manag

ement

• Withd

rawal

• Mini Statem

ent• D

epo

sits• Transfer

Accounting M

anagement

• Acco

unting M

od

ule

Value Added Services M

anagement

• Online B

ill Payment Interface

• Online M

ob

ile Top

Up

Trx. Interface• O

nline DC

C Transactio

n Interface

Device D

rivingATM

Monitoring

ATM Services

PowerCARD-ACH

Mem

ber M

anagement

Clearing &

Managem

entACH

Scheme

Setup

Pow

erCA

RD-A

CH

is a mo

dular so

ftware so

lution that

autom

ates the pro

cessing and

settlement o

f electronic

paym

ent transactions.

Pow

erCA

RD-A

CH

allow

s the setup and

manag

ement o

f a schem

e by m

anaging

the who

le transaction cycle co

vering

authorizatio

n, presentm

ent, disp

utes and the related

clearing

& settlem

ent betw

een mem

bers. It o

perates b

oth

in Dual and

Single M

essage m

od

e.

Pow

erCA

RD-A

CH

autom

ates many o

f the crucial functions

associated

with p

ayment in an intero

perab

le eco-system

. The so

lution p

rovid

es autom

atic reconciliatio

n functions

and co

nfigurab

le clearing acco

unt definitio

n, fee p

rocessing

, funds m

ovem

ent and p

osting

file setting.

Solution Overview

ACH

Managem

ent• M

emb

er Manag

ement

• Clearing

& M

anagem

ent• A

CH

Scheme Setup

Protocol Managem

ent• LIS• SID

Accounting M

anagement

• Acco

unting M

od

ule

PowerCARD

-ACH

Setup and

manag

ement o

f a scheme b

y manag

ing autho

rization,

clearing &

settlement b

etween m

emb

ers and b

y pro

viding

SID

pro

toco

l (for autho

rizations) and

LIS pro

toco

l (for C

learing).

• Mem

ber M

anagem

ent• M

emb

er Acco

unt• M

emb

er Settlement

• Fees & C

om

missio

ns• Lo

cal Interchange System

(LIS)• Sw

itch Interface Descrip

tion (SID

)

PowerCARD-Fraud

PowerCARD

-FraudA

stand-alo

ne fraud so

lution m

onito

ring in real-tim

e or near real-

time autho

rizations co

ming

from

any systems.

• Real-tim

e and near real-tim

e fraud d

etection

• Rule b

ased eng

ine• SM

S and E

mail alerts

• Case m

anagem

ent & Rep

orting

Pow

erCA

RD-Fraud

pro

vides a full m

onito

ring o

f the issuing

and acq

uiring activities o

f the Bank in real-tim

e, or

near real-time.

Thanks to its rule b

ased cap

abilities, Po

werC

ARD

-Fraud

autom

atically generates alerts and

/or actio

ns and

creates a case to b

e follo

wed

up b

y a Bank Fraud

Analyst

when an autho

rization is m

atching w

ith all the criteria o

f a given rule. To

a certain extent, it can even reject an autho

rization.

A co

mp

lete wo

rkflow

manag

ement allo

ws fraud

team

(manag

er and analyst) to

manag

e all op

ened cases and

have easy access to

key inform

ation reg

arding

the case in few

screens to m

ake the right d

ecision. U

sers have access to

a mo

nitoring

screen pro

viding

a single-view

of all o

pen

cases ranked b

y level of p

riority.

Ad

ditio

nally, rules can be sim

ulated p

rior to

be m

oved

to

pro

ductio

n to help

s Banks avo

iding

extensive numb

er of

cases to b

e reviewed

by the fraud

team and

really focus

on real fraud

cases.

Solution Overview

Fraud Detection M

anagement

• Rule Co

nfiguratio

n Mo

dule

• Rule Simulatio

n Mo

dule

• Rule Processing

Mo

dule

Authorization M

anagement

• Pow

erCA

RD-Sw

itch Interfaces• 3

rd Party O

nline Interfaces

Alert M

anagement

• SMS Interface

• Email Interface

Fraud Case Managem

ent• C

ase Mo

dule

Authorization M

onitoringFraud

PreventionReal-Tim

e Alerts

PowerCARD-eSecure

PowerCARD

-eSecureA

step ad

ded

to o

nline paym

ents to tie a financial autho

rization

with an o

nline authentication (A

CS - 3D

Secure).

• Secure Electronic A

uthentication fo

r eCo

mm

erce Transactions

• Multi institutio

ns and M

ulti pro

ducts

• Co

nfigurab

le authentication p

age

• Multip

le Authenticatio

n Metho

ds: To

ken, Mo

bile &

Passwo

rd,

Dig

ital Certificate

Pow

erCA

RD-eSecure help

s increase confid

ence in online

paym

ents. The solutio

ns key benefits includ

e:• D

ecreased fraud

for card

hold

ers via a passw

ord

verificatio

n system (o

r other fo

rm o

f authentication)

that stop

s online p

urchases using o

nly card d

etails and

preventing

passw

ord

s being

captured

by m

erchants (authenticatio

n is betw

een the issuer and the

cardho

lder).

• Fewer charg

eback transactio

ns for m

erchants as card

hold

ers are authenticated w

hile purchasing

online.

• Increased security to

the issuing b

ank by lim

iting

autom

atic liability shift.

Pow

erCA

RD-eSecure p

rovid

es 3DSecure services to

m

ultiple institutio

ns and m

anages m

ultiple p

rod

ucts per

institution. Po

werC

ARD

-eSecure key pro

duct cap

abilities

are:• A

uthentication and

enrollm

ent metho

ds are d

efined at

the pro

duct level.

• Hig

hly config

urable authenticatio

n pag

es and sup

po

rts m

ultiple tem

plates p

er pro

duct, auto

matic tem

plate

adjustm

ents based

on b

row

ser, font/w

ord

ing and

auto

matic ad

justments p

er pro

duct.

Pow

erCA

RD-eSecure is PA

-DSS, Verified

by V

isa and

MasterC

ard SecureC

od

e certified.

Solution Overview

Enrollment M

anagement

• Enrollm

ent Web

Services Interface• Enro

llment B

atch File Interface• H

om

ebanking

Web

Page

• Activatio

n During

Shop

ping

Web

pag

e

Payment Schem

e Managem

ent• A

merican Exp

ress Interface• V

isa Interface• M

asterCard

Interface

Authentication M

anagement

• SMS G

ateway Interface

• Mo

bile A

uth. Request W

eb Pag

e

3DSecure

AuthenticationO

ne-Time-

Password

PowerCARD-eCommerce

PowerCARD

-eComm

erceM

ulti-merchant and

multi-acq

uirer solutio

n for eC

om

merce and

M

OTO

paym

ent manag

ement.

• Multip

le Merchant Integ

ration m

ethod

s: Direct, R

edirect, B

atch &

Web

Services• Flexib

le paym

ent op

tions: full, p

artial, reversal, instalment,…

• Tokenisatio

n• Perso

nalized C

heckout Pag

e• M

erchant & O

perato

r Web

Portal M

anagem

entSolution O

verviewM

erchant Interfaces Managem

ent• D

irect Metho

d Interface

• Redirect M

ethod

Interface• Server to

Server Interface• B

atch Interface• W

eb Services Interface

Transaction Managem

ent• Po

werC

ARD

-Acq

uirer• Interface• 3

rd Party Acq

uirer Interface

3D Secure M

anagement

• MPI M

od

ule• V

isa Interface• M

asterCard

Interface

Merchant Portal M

anagement

• Merchant Self Service Po

rtal

Merchant D

ata Managem

ent• Po

werC

ARD

-Acq

uirer Interface• W

eb Services Interface

Pow

erCA

RD

-eCo

mm

erce is a multi-m

erchant and

multi-acq

uirer solutio

n for eC

om

merce and

MO

TO

paym

ent manag

ement.

Pow

erCA

RD

-eCo

mm

erce allow

s easy integratio

n w

ith merchants b

y offering

multip

le metho

ds o

f data

subm

ission.

Pow

erCA

RD

-eCo

mm

erce pro

vides flexib

le paym

ent o

ptio

ns. Co

nsumers can p

ay using any o

f the mo

st co

mm

on o

nline paym

ent metho

ds and

new p

ayment

metho

ds can b

e add

ed easily. C

onsum

ers can select their currency and

choo

se their mo

st convenient

paym

ent op

tion.

To facilitate o

peratio

ns, Pow

erCA

RD-eC

om

merce can

be synchro

nized w

ith external systems fo

r merchant

data, B

IN rang

es, exchange rates thro

ugh w

eb services

or b

atch and b

y being

natively interfaced w

ith other

Pow

erCA

RD

solutio

ns.

Pow

erCA

RD-eC

om

merce p

rovid

es a sop

histicated

self-service po

rtal allow

ing m

erchants to p

ersonalize

each and every checko

ut pag

e. Throug

h the merchant

web

po

rtal, merchants can fo

llow

-up and

manag

e their transactio

ns in real-time, g

enerate repo

rts, enter transactio

ns manually thro

ugh the V

irtual Terminal

(MO

TO), reverse/refund

transactions and

exchange

secure online m

essages w

ith paym

ent gatew

ay o

perato

rs.O

perato

rs have access to the sam

e level of

functionalities as m

erchants throug

h the self-service p

ortal b

ut they can also m

anage user access rig

hts and

pro

files and create and

manag

e a wid

e range o

f p

arameters (currency, d

efault messag

es, fraud filter

etc.)Po

werC

ARD

-eCo

mm

erce supp

orts 3D

Secure transactio

ns with the M

PI mo

dule and

has native b

uilt-in interfaces with o

ther Pow

erCA

RD so

lutions to

o

ptim

ize op

erations.

Payment

Gatew

ayeCom

merce

Online Paym

ent

PowerCARD-Dashboard

PowerCARD

-Dashboard

Set of g

raphs, tab

les, data g

roup

ed into

Dashb

oard

pro

viding

a clear visib

ility to b

usiness users on their K

ey Perform

ance Ind

icators.

• Predefined

and p

ersonalizab

le Dashb

oard

s• A

nalyze and D

rill Do

wn Into

The Data

• Natively Integ

rated w

ith Pow

erCA

RD-Issuer and

Pow

erCA

RD-

Acq

uirer• Sup

po

rts data enrichm

ent by 3

rd party system

Pow

erCA

RD-D

ashbo

ard has b

een desig

ned w

ith the p

urpo

se of turning

detailed

paym

ent data into

valuable

inform

ation allo

wing

the business to

make the rig

ht d

ecisions in a tim

ely manner.

Pow

erCA

RD-D

ashbo

ard is H

PS’ data analytics to

ol, it

pro

vides d

ashbo

ards in an easy-to

-use form

at that allow

s users to

mine, m

od

el and analyse any sub

-set of p

ayment

and transactio

nal data.

Pow

erCA

RD-D

ashbo

ard so

lution w

orks thro

ugh an

op

timized

Business Intellig

ence Layer which extracts

incremental d

ata to b

e used b

y Pow

erCA

RD

-Dashb

oard

. Po

werC

ARD

-Issuer and Po

werC

ARD

-Acq

uirer are natively feed

ing Po

werC

ARD

-Dashb

oard

but d

ata com

ing fro

m

external systems can b

e imp

orted

to enrich existing

data.

Issuers, Acq

uirers and M

erchants can access to their o

wn

dashb

oard

s. Each dashb

oard

pro

viding

a series of g

raphs,

tables, d

ata, … help

ing them

to b

etter understand

their b

usiness.

Solution Overview

Merchant / M

erchant Manager D

ashboard• Perfo

rmance

• Activity

• Traffic• C

ustom

ers

Acquiring D

ashboard• K

PIs• A

ctivity• Fees• C

ustom

ers

Issuing Dashboard

• Perform

ance• C

ards

• Transactions

• Fees

BIBig D

ataD

ata Analytics

PowerCARD-WebPublisher

PowerCARD

-WebPublisher

Web

po

rtal solutio

n with p

ow

erful adm

in functions to

manag

e and

perso

nalize multip

le web

po

rtals.

• Web

site Co

ntent Co

nfiguratio

n, Personalizatio

n & Seg

mentatio

n• W

ebsite Pub

lishing• M

ultiple 3

rd Party Systems R

eal-time D

ata Ag

greg

ation thro

ugh

a com

plete set o

f Web

Services• N

ative interfaces with o

ther Pow

erCA

RD so

lutions

Solution Overview

Cardholder Portal• O

nline Enrollm

ent• C

ard A

ctivity• C

ard M

anagem

ent• D

ocum

ent & R

equest

Agent &

Branch Portal• C

ard Selling

• Card

Activity

• Prepaid

Card

Corporate Portal• O

nline Enrollm

ent• C

ard A

ctivity• C

ard M

anagem

ent• D

ocum

ent & Req

uest• Po

rtfolio

Manag

ement

Loyalty Operator Portal

• Merchant Pro

mo

tions

• Issuer Cam

paig

ns

Merchant Portal

• First Co

ntact• M

erchant Data &

Activity

• Dashb

oard

• Multi-hierarchy Level

• Merchant p

rom

otio

ns• D

ocum

ent and Req

uest

Pow

erCA

RD

-Web

Publisher is a w

eb p

ortal so

lution fo

r issuers and

acquirers ad

dressing

the specific need

s of

their different custo

mers. It is a uniq

ue solutio

n that sim

plifies the co

nstruction, the exp

loitatio

n and the

maintenance o

f web

po

rtals ded

icated to

consum

ers, co

rpo

rates and m

erchants.

Pow

erCA

RD

-Web

Publisher allo

ws d

ata conso

lidatio

n fro

m d

ifferent sources, co

nfiguratio

n and p

ublishing

o

f perso

nalized w

eb p

ortals fo

r consum

ers, corp

orates

and m

erchants. Data co

ming

from

different ho

st system

s are agg

regated

, witho

ut any storag

e, to g

ive w

eb users a uniq

ue and co

nsolid

ated view

of their

inform

ation.

Throug

h its Ad

min. C

enter, Pow

erCA

RD-W

ebPub

lisher allo

ws co

nfiguring

and p

ersonalizing

web

po

rtals thanks to

simp

le drag

& d

rop

functionality. A

ny screens, any fo

nt size or co

lour, any text, any

backg

round

colo

ur, any table co

lumn, any translatio

n can b

e easily adjusted

throug

h the Ad

min. C

enter.C

hanges are ap

plied

in real-time and

imm

ediately

available at the next co

nnection to

the po

rtal.

Pow

erCA

RD-W

ebPub

lisher is natively interfaced w

ith any o

ther Pow

erCA

RD so

lutions b

ut also o

ffers a co

mp

lete set of w

eb services b

uilt to the IFX

standard

s fo

r interfacing w

ith any external systems.

Services to co

nsumers includ

e Card

Manag

ement

(e-statement, PIN

change, card

replacem

ent, stop

/ b

lock card

) and A

ccount M

anagem

ent (history and

list o

f transactions).

Services to co

rpo

rates include C

ard and

Acco

unt M

anagem

ent (list of card

s by d

epartm

ent, ord

er new

cards, usag

e restriction) and

User M

anagem

ent (hierarchy and

deleg

ate user manag

ement).

Services to m

erchants include R

emittances and

Transactio

ns details, C

laims M

anagem

ent and fo

llow

up

, Activity Rep

orting

and M

erchant Details (co

ntract, services, o

utlet and Eq

uipm

ent’s view).

Web Portals

Personalised Services

Easy Configuration

PowerCARD-Tokenisation

Pow

erCA

RD-To

kenisation p

rovid

es tokenisatio

n and

de-to

kenisation services either thro

ugh d

edicated

autho

rization/clearing

/chargeb

ack interfaces or thro

ugh

web

-services and b

atch interfaces.

Each generated

token is linked

to a to

ken pro

duct that

includes the to

ken pro

file (token d

om

ain) and the to

ken lim

its so that the to

ken requesto

r can limit o

r restrict the usag

e of that to

ken. Those p

rofiles and

limits w

ill b

e contro

lled w

hen Pow

erCA

RD-To

kenisation w

ill be

perfo

rming

the de-to

kenisation.

A to

ken vault is emb

edd

ed into

Pow

erCA

RD

-Tokenisatio

n to

securely store to

kens.

Pow

erCA

RD-To

kenisation p

rovid

es a sop

histicated

hierarchy manag

ement co

vering any co

mb

inations

betw

een custom

er, card, to

ken, device w

ith indep

endent

lifecycle status at each level of the hierarchy.

Pow

erCA

RD-To

kenisation sits in b

etween the C

ard

Manag

ement System

for enro

lment and

lifecycle m

anagem

ent, the Mo

bile Pro

visioning

Server and the

Autho

rization System

s / Payment Schem

es for m

anaging

autho

rization, clearing

and charg

eback flo

w.

Pow

erCA

RD-To

kenisation p

rovid

es multip

le dep

loym

ent scenario

s dep

ending

on the need

s of custo

mers:

supp

orting

local p

ayment schem

e, supp

orting

internatio

nal paym

ent scheme, m

anaging

on-us

transactions, m

inimizing

imp

acts on existing

systems,…

Solution Overview

Digitalized A

ccount Managem

ent• D

igitalized

Acco

unt Manag

ement M

od

ule• Pro

file Manag

ement M

od

ule• To

kenisation M

anagem

ent Mo

dule

Token Storage Managem

ent• To

ken Vault Mo

dule

Transaction Managem

ent• D

e-tokenisatio

n Manag

ement M

od

ule• Risk M

anagem

ent Mo

dule

• Routing

Manag

ement M

od

ule

Interfaces Managem

ent• M

ob

ile Provisio

ning Interfaces

• Auto

rization Interfaces

• Clearing

Interfaces• C

hargeb

ack Interfaces• To

kenisation / D

e-tokenisatio

n Interfaces

TSPH

CExPay

PowerCARD

-TokenisationC

om

plete so

lution to

supp

ort the issuance, p

rovisio

ning, sto

rage

and m

anagem

ent of to

kens on b

ehalf of a to

ken requesto

r.

• Co

mp

lete Tokenisatio

n / De-to

kenisation Services Includ

ing R

isk C

ontro

ls and R

outing

Manag

ement

• Token Vault

• Co

mp

lete Token Lifecycle M

anagem

ent and C

ustom

er Care

Services• M

ultiple D

eplo

yment Scenario

s• Interfaces w

ith Card

Manag

ement, M

ob

ile Provisio

ning,

Autho

rization System

s and Paym

ent Schemes

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w.hp

s-wo

rldw

ide.co

m