© 2014 Opsol. The information contained herein is subject to change without notice

One Step Ahead ….

mauricio@OmniPayments.com OmniPayments Inc

1 713 855 8840

Agenda

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• “Omni” Product Suite • Biometrics • Pre Authorization Rules

OmniPayments: NonStop Performance

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• Born in HP NonStop • Exploits HP NonStop architecture

− Scalability − Fault Tolerance

• Written in C y C++ • Minimizes software dependency • Maximizes performance

Cross

Industry

Payment

Industry

“Omni” Product Suite under HP NonStop

OmniHub

Orchestration and SOA Framework

OmniDirector (RTID)

Omni

Messaging

Email, SMS

Omni

Offers

Sales & Marketing optimization across channels

Omni Crypto

Suite of security tools Omni

Dash

Business Monitoring

Omni

SCV

Channel Integration

Single Customer View across the enterprise

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Omni

Payments ATM - POS

Switch

Omni

Prea Pre

Authorizacion

Omni

Auth Authorizacion

OmniPayments Architecture

NonStop

OD

Business Logic

Linux/Unix

Logger

OmniDash

VISA, AMEX ….

Other Systems

Process Request

Graphs / Stats

Authorization

Opsol Svcs Data Store

Merchants

Mobile

HP Atalla

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Data

Function 2

Request To Provider

Data Transformation

INFRASTRUCTURE SERVICES

CORE SERVICES

Routing

Orchestration

Security

Load Distribution

Failover/Retry

Multithreading

OmniScheduler

OmniLogger OmniDash

OmniConsole OmniOffender

Function 3

Reply from Provider

Function 4

Reply to client

Function 1

Request from client

Custom

Orchestration

Service Invocation

ADAPTERS SOA MQ

http(s) Tuxedo Corba Email

OmniDirector User Exits

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OmniPayments Acquirer Package 250,000*

• OmniPayments – BASE24 replacement – ATM, POS − OmniDirector – SOA transaction router − OmniCrypto – PIN, Key management, Remote Key Loading − OmniHub – Financial Operational Data Store − OmniMessaging Email adapter for NonStop • Price is for small installations and includes License + 3 years support + Services to migrate

current functionality. • Email Sales@OmniPayments.com for list of included modules.

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Sunset Base24 – Bank in USA

• 10 ISO interfaces • 12,500 ATMs • 40,000 POSs • 23,000,000 TXNs / day • 700,000,000 TXNs / month • Migration in 9 months

“Upgrade” on existing HW; application remained on HP NonStop. Customer has ordered new HP NonStop Blades – 16 cpus

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Omni

Payments

January 1, 2012

BASE24 Classic sunset – Retailer Success Story

• 200 Stores • 2000 Cash Registers • BASE24 Sunset in 6 months

Customer purchased new HP NonStop Blades processors

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Biometrics: Switch in Colombia

• Traditional OLTP business − PIN based TXNs − Balance Inquiries − Switch Interchanges

• Additional Features Management of Government Subsidies Correspondent Banking + CUPO management Biometric Authentication in Finance

Biometric Operator

Fingerprint authentication @ Terminal

• 2.5 Million Customer Fingerprints in our database • Terminals with biometric capability • Biweekly enrollments (Bancarization) • The OmniPayments Party Model is updated with the

fingerprints • The project was implemented in 6 months

11 OmniPayments Inc Confidential

Fingerprint images

OmniPayments Inc Confidential

• Store up to 10 fingerprint images

Fingerprints

• Digitized via WSQ (Wave Scalar Quantization) technology • Stored and maintained in a DB (ASCII or Binary format) • A score is maintained for each Fingerprint • A higher score corresponds to a better quality • When a higher score is detected, Fingerprints are updated

13 OmniPayments Inc Confidential

Customer Personal Information

14 OmniPayments Inc Confidential

Biometric Authentication in Finance

• Customer’s Fingerprints are captured and matched at Terminal • Customer swipes card at Terminal • OmniPayments maintains the Customer Relationship in Party

model • Based on the party ID, Image server will retrieve the Finger

image • This image will be matched at Terminal against the Customer’s

Fingerprint • This validation is as good as verifying customer PINs

OmniPayments Inc Confidential

HOST / Bank

ISO8583 Bank / Switch

POS

ATM

OmniPayments

FP DB

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Biometric Authentication in Finance

Biometric Operator

• Objective: − Manage Fingerprint based authentication for high security

• Examples o Decision in Court Rooms o Merchants / Dealers o Government Offices

17 OmniPayments Inc Confidential

Biometric Operator

• Web service application drives authentication • Data Transmission is performed using Encrypted Secure Socket

Layer • Fingerprints are stored in OmniPayments DB • OmniPayments captures and retransmits Fingerprints to

National Civil Registry • Authentication is done against National Civil Registry DB • National Civil Registry response includes Fingerprint score

18 OmniPayments Inc Confidential

Transaction Flow – SQL MX database

OmniPayments Inc Confidential 19

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Pre Authorization Services

SiSi

PIN

Switch

HSM

HSM

$$$ Auth

SiSi

+++ Auth

1

2

Setup rules to monitor:

• Daily, Weekly, Monthly limits

• Amounts

• Frequency

• Device

For Fraud Prevention

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Use Case

BASE24

WebServer

Reglas Acumlados Log’s

TANDEM (1) Auth Req

(2) Pre Auth Req

(3) Pre Auth Resp

(4) Auth Req Issuer

(6) Auth Resp

- ISO8583 -

JRNL

BASE24

IS

AUTH

Preautorizador

(5) Auth Resp Issuer

• MCC: Gas Station • Number of supported TXNs: 2 • Frequency: Per Week • Card Holder: National + International • Action: Reject beyond limits

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Business Rules: Acquirer

Max Number of TXNs / Week

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• BIN: 687283 • Retailer ID: Cadena Merza • Acción: Rechazar cuando no se cumpla.

Closed Circuit: BIN 687283, at Retail Chain

Business Rules: Issuer

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Pre Authorization Services

Setup rules at 4 different levels:

• Acquirer

• Issuer

• Company

• Individuals

The Goal

OmniDash TCPIP Dashboard

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System Dashboard

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Signon Status

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Transaction Log File

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ISO 8583 Bitmap Configuration

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Vielen Dank !!

Mauricio@OmniPayments.com

1 (713) 855-8840