TUBITAK 10th ANNUAL TECHNOLOGY AWARDS
Verisoft InstantEMV won TTGV Grand Technology Finalist
Award organized by the Scientific and Technological Research
Council in Turkey (TUBITAK), Technology Development Foundation of
Turkey (TTGV), Turkish Industry and Business Association
(TUSIAD)
BAMCARD in BOSNIA - HERZEGOVINA
Verisoft's major undertaking in Bosnia Herzegovina is the turnkey
development and provision of software and hardware systems to
BAMCARD, the national switch center which is a partnership of more
than fifteen BiH banks such as ABS, UPI, IKB, Tuzlanska, Volksbank,
Raiffeisen, CPB, and Ziraat Bosnia.
Established in 1999, BAMCARD is designed to be the processing
center for debit, credit, stored value cards and network switching
center for all BiH banks as well as other companies needing card
services for different purposes. VISA certification process was
completed on February 2004.
Verisoft POWERCARDIX V2 software running on ORACLE is used for
managing client and merchant accounts, issuing and accepting cards,
switching transactions for POS and ATM terminals, and
clearing/settlement services. POWERCARDIX is a client/server
application developed with PowerBuilder GUI client side and ORACLE
/ C++ server side.
BAMCARD is equipped with two high speed HEWLETT PACKARD UNIX
systems with FAULT TOLERANT MC/SERVICE GUARD architecture, two
systems backing up each other for NON-STOP operation. Another HP
system is present for back office functions. These systems are
networked over BiH TELEKOM FRAME RELAY service at 2 MBPS with ISDN
backup interconnecting all banks. In addition to this, VERISOFT
FAST ACCESS CONTROLLER DEVICE for systems are placed in the field
using DIAL UP mode. BAMCARD provides card issuing services using
its DATACARD machines for all sorts of magnetic stripe and smart
cards. It is also possible to produce color photo ID cards with
special holographic security overlays along with banking
cards.
BAMCARD has very high speed mailing machines for sending forms,
letters and statements to clients and merchants. It provides
mailing services to whomever requires such services. BAMCARD also
provides connection, switching and monitoring services for POS and
ATM terminals providing online sale of goods and services as well
as cash dispensing for both domestic card holder and international
customers.
Verisoft started working with OYAK BANK prior to the merger for the
needs of credit and debit card processing of OYAK BANK. After the
merger OYAK BANK evaluated all credit and debit card systems
inherited from all of the merged banks ranging from IBM mainframe
based CARDPAK to NT based solutions along with VERISOFT POWERCARDIX
in use at YASARBANK and OYAK BANK.
Finally it was decided that UNIX based VERISOFT POWERCARDIX was
the most powerful and flexible solution that poised to grow with
the needs of the bank and the bank signed a contract to merge and
consolidate all of the card, merchant, POS and ATM base under
POWERCARDIX. The conversion was first plan to migrate to INFORMIX
database under UNIX as implemented in YASARBANK and OYAK BANK. This
was followed by the migration to ORACLE and the new upgraded
version of the system.
OYAK BANK issues and acquires all credit and debit products from
both VISA and MASTERCARD with more than 600,000 cards in
circulation with 1000 ATMs and almost 30,000 POS Terminals.
OYAK BANK has 219 branches connected as a nationwide private frame
relay network with TCP/IP protocol. Further 231 points are reached
as network access points for the ATMs covering all 80 major cities
and its districts as well as 92 military installations for the
salary payments and banking needs of military personnel which
represents the largest number of staff in any government
organization in Turkey. The POS network is based on Hypercom IEN
(NAC) which are connected via TCP/IP protocol to Verisoft
POWERCARDIX. POS terminals communicate with IENs and thus
POWERCARDIX using HPDH protocol (ISO 8583) according to Hypercom
standards.
All POS terminals communicating with OYAK BANK IENs are working
with this protocol emulating Hypercom T7P terminals. Currently
largest base of terminals inherited from previous banks are
Hypercom T7P and the bank is now planning to replace all of these
units with new EMV compatible devices and VERISOFT will develop
this software for these new machines. ATM models from NCR, DIEBOLD
and WINCOR NIXDORF is being used in OYAK BANK which are driven and
managed by VERISOFT POWERCARDIX software using NCR NDC+ and DIEBOLD
D912 protocols. WINCOR NIXDORF emulates NDC+ protocol. A new
generation of ATM device software based on WOSA platform under
WINDOWS NT is planned for EMV ATM project and VERISOFT will develop
this software.
OYAK BANK is using DATACARD 9000 and NBS HORIZON card embossing
and encoding systems and POWERCARDIX is generating personalization
files for these platforms. THALES (RACAL) HSMs are implemented in
OYAK BANK which are driven by POWERCARDIX software which can handle
multiple HSMs simultaneously.
Core banking system of OYAK BANK runs on a multiprocessor SUN
SOLARIS server with Oracle database and Verisoft POWERCARDIX have a
tight integration with this system effecting all transactions
related to banking system in online real time mode such as payment
of credit card invoices or cash withdrawal with debit cards.
POWERCARDIX is also running on a separate multiprocessor SUN
SOLARIS server with a plan to migrate to HP 9000 Keystone server.
Since POWERCARDIX can be ported to all major UNIX platforms with
little or no effort, there is no problem in running it at HP or SUN
or IBM UNIX environments.
IVR and CALL CENTER integration is available at OYAK BANK allowing
clients to do their credit card query and payment functions via
telephones from their home or offices. Internet integration is also
available so that customers can view their statements from the web
and do a number of transactions related to their accounts.
POWERCARDIX also allows automatic sending of statements via email,
fax and SMS.
ATM management system provides online real time monitoring with a
GUI of all transactions taking place and allows all classic
transaction types : PIN verification, PIN change, balance inquiry,
cash withdrawal, cash advance, cash deposit, mini statement, credit
card statements, credit card payments, bill payments and purchase
of bonds, mutual funds and stocks.
POS system is built around a Hypercom IEN network and
communication between IEN and POS devices are in SDLC synchronous
mode with ISO 8583 protocol (HPDH). Any POS terminal conforming to
this standard can be connected. POS application supports purchase,
installments, cash advance, return, void, duplicate,
pre-authorization, mail order, end of day, reports.
OYAK BANK system has built in loyalty system giving a bonus point
for a percentage of each transaction. These points are reported in
statements and can be later used for obtaining gifts from a
catalogue. Verisoft subsidiary Sanal Magaza have signed an
agreement with OYAK BANK to provide web based points redemption
system similar to B2C e-commerce where you buy with bonus points
and if necessary top up with your credit card. Statement printing
is made with laser printers using special 3rd party software called
DOC1 which enhances the statements with promotional coupons and
customized messages POWERCARDIX generates a DOC1 readable output
file.
OYAK BANK is a member of VISA and MASTERCARD. Connection to
VISANET is direct via VISA VAP inside the bank using TCP/IP and ISO
8583 protocol. Connection to MASTERCARD is indirect over the
connection to domestic SWITCH called BKM using TCP/IP and ISO 8583.
BKM is a partnership of all Turkish banks and responsible for
switching of both credit and debit authorization messages; and
domestic clearing and settlement. BKM has also a gateway to
MASTERCARD over EM MODULE and to VISA via VAP. Most banks use the
MASTERCARD gateway over BKM and rarely use the BKM VISA gateway.
BKM itself do not install or support directly any POS or ATM
devices but only switch among banks that run their own networks. In
this regard there is full POS and ATM interoperability among
domestic banks and international banks. As such, OYAK BANK can
accept all domestic and foreign cards on their POS and ATM
terminals as well as branches. Similarly OYAK BANK cards can be
accepted at all terminals in use today with the ISO 8583 incoming
lines from BKM, VISA and MASTERCARD networks.
POWERCARDIX in TURKISH ZIRAAT BANK BOSNIA, dd
Turkish Ziraat Bank Bosnia dd (TZBB) is a subsidiary of largest
Turkish public sector bank TC Ziraat Bank as a locally incorporated
entity in Bosnia Herzegovina established in 1997. TZBB was the
first foreign bank to invest in Bosnia and today the premier bank
in Bosnia in terms business volume and profitability. It is serving
local business, consumers and foreign personnel stationed in
Bosnia.
TZBB is a principal member of both VISA and MASTERCARD as an
issuer and acquirer. It is providing POS and ATM services as well
all credit and debit products with signature and PIN verification
since 1999. It is the first and still the only issuer and acquirer
of both card systems for complete range of products and
services.
Verisoft was commissioned solve a tough case of bringing
international online card issuance and acceptance in Bosnia where
no local interface and connectivity possible. Therefore, Verisoft
designed a cross border data link over public X25 network of Bosnia
called BiHPAK to Turkish X25 network TURPAK over international X25
packet switching networks. This system implementing IP over X25
protocol connected to Ziraat Banks card center in Istanbul Turkey
about 4000 kilometers away. At this point Verisoft switched the
system to VISA VAP and MASTERCARD EM for global card issuing and
acquiring using POWERCARDIX.
Verisoft supplied POWERCARDIX on UNIX with INFORMIX database, FAC
5624 access devices, THALES POS terminals and NCR ATMs. FAC 5624 is
installed at the main branch of TZBB in Sarajevo and linked via
router over the established IP link to Istanbul, Turkey. Therefore,
all local POS terminals are calling the local access point in
Sarajevo with an average performance of 7 seconds transaction
completion time. This is achieved after pressing the enter key
following the amount entry in a merchant location while using local
dial up telephone lines.
NCR ATMs provide full line of domestic and international cash
dispensing services to VISA, MASTERCARD, ELECTRON, PLUS, MAESTRO
and CIRRUS credit and debit cards. Card production is done
centrally at the high capacity embossing systems of Ziraat Bank in
Istanbul but statement printing and mailing is made locally in
Sarajevo, Bosnia.
Verisoft also developed an Internet interface for checking the
statements, limits and authorization over the web. This is also
designed in a way to allow clients to open or close their cards to
Internet e-commerce and allocate the limits for such transactions
to improve security for e-commerce. It is a very successful and
interesting case for operating a card system with the main server
remotely located and front end devices extended to another
country.
Headquartered in Dubai, MASHREQBANK is the best bank of the UAE
according to EUROMONEY. VERISOFT is contracted to provide the
software for EMV card migration for this innovative bank in Dubai,
UAE.
Verisoft PowerEMV drives the CIM COMBI 1000 and MF 6000 card
personalization machines to produce VISA VSDC and MASTERCARD MCHIP
cards with Welcome Real-time XLS Loyalty software. The eXtended
Loyalty System, XLS from WRT is also used by AKBANK for the AXESS
product in Turkey an advanced loyalty solution. In this
implementation, Verisoft merged the state-of-the-art EMV payment
functions VISA VSDC and MASTERCARD MCHIP into the same card to
handle both secure payment transactions while earning bonus
points.
Verisoft have taken the challenge of this project to be completed
in a short time frame with certification from VISA for EMV and from
WRT for XLS. Verisoft matched this challenge by completing the
certification with the prescribed tight deadlines and the bank has
been licensed by Visa to become the first issuer in UAE to produce
in house its own EMV chip cards.
In the second phase of this project MASTERCARD MCHIP was certified
the same way and this project was also successful. Project included
partners in UK, BELGIUM, DENMARK, GERMANY and FRANCE. The local
Verisoft partner in UAE provided in house customer support during
implementation and certification phases.
This is a truly multinational standards based software development
and qualification project. It is also one of the first
multi-application chip card project in the world including best of
breed components from Visa and Welcome real-time.
+ARTAN implemented with Gemplus GemVision EMV cards is a multi
application card with EMV credit and Loyalty/Installment
functionality.
Every purchase transaction is awarded with loyalty points on the
chip. Cardholders have the option to cash out the points from the
chip on their next purchase. Customers also have the option to
purchase with interest free equal monthly installments. Number of
points awarded or interest free installments are parametrically
decided by each merchant.
+ARTAN project is a perfect example of combining EMV and VERISOFT
LOYALTY in one single card.
TURKISH ARMED FORCES ID CARDS
Verisoft was awarded the contract to supply Turkish General Staff
for the project of developing the card side applications (ALU) and
smartcard life cycle management system for their multi-application
ID cards based on Multos technology. Verisoft supplied the Thales
P3 Server, P3CM200 crypto modules and personalization DLLs for
DC9000 first and on the second phase developed a comprehensive web
based .NET technology smartcard management system to load, update
and delete applications on the cards and trace the state of card
from initial central issuance to all subsequent updates which can
be done with PULL and PUSH methods. Content updates are made with
EMV scripting since Verisoft developed the ID and HEALTH
applications compatible with EMV specifications just as the MCHIP4
pre-authorized payment application on the card.
Verisoft changed the current PKI application in 2007 to cover all
applications within uniform technology with common industry
standards. These cards also contain contactless interface and
biometric fingerprint data, TCP/IP networking with SSL and HTTPS
protocols are used for secure networking along with Oracle
database. Card side ALUs are developed in C and ALC are supplied
from in house iKMA of the TAF utilizing the most secure smartcard
technology in the world: MULTOS.
We are certain that Smart national
ID cards, driver licenses, army ID cards, corporate ID cards,
social security cards, health cards will be strong growth areas in
the coming years due to increased security concerns and
e-government projects. Verisoft have end to end technology and
software solutions for all these areas.
Metrobank is the first bank to get a banking license after 150
years in UK. Metro Bank UK opened with Verisoft InstantEMV to issue
cards instantly from branches which is also a first in the UK.
Metro Bank customers are able to receive fully personalised and
ready to go MasterCard debit and credit cards with Verisoft Instant
card issuing. Instant card issuance is one of the pioneer service
of Metro Bank and more than two hundred customers receive their
cards in a couple of minutes after opening an account on a regular
basis.
Verisoft's InstantEMV solution connects to any existing or any
preferred card management system, or to your core banking system
via one of the industry standard interfaces and exchanges required
data automatically. Visa International selected Verisoft InstantEMV
as instant issuance partner at Paris card fair 2009 and
demonstrates our instant issuance solution continuously at London
headquarters.
ClubTOTAL LOYALTY & e-PURSE SYSTEM
ClubTOTAL is a program that is organized by TOTAL Oil Turkey in
order to sustain a loyalty program for the corporate and individual
TOTAL customers. ClubTOTAL is based on Verisoft's Rewardo; web
based end to end loyalty management solution which has basic
reward, extra bonus and campaign mechanisms for dealers and
customers.
Rewardo was customised for ClubTOTAL, and ClubTOTAL cards are now
produced with contactless smart card technology. There are two main
applications in cards, loyalty and e-Purse pre-paid card
application. POS Terminals with connected mifare readers at TOTAL
Oil dealers are used for both loyalty and e-purse
transactions.
The Loyalty application enables the TOTAL customers to gain bonus
and with the cumulated bonus points it enables customers to receive
gifts and privileges that would be supplied by TOTAL Oil Turkey.
E-Purse functionality is also a part of the solution. This
implementation, otherwise known as prepaid smartcard system, a
value is loaded on the card via cash or an existing credit card.
The value is later used as a payment instrument until the remaining
balance is depleted.
E-Purse system manages the relationship between customer, merchant
and Total Oil Turkey which operates this system.
Rewardo supports co-branded cards. All Group-Chain-Merchant
mechanisms can be monitored for co-branded cards in the system.
There are different types of cards that were defined in the system:
- Corporate Card
- ClubTOTAL
- YakıtCard
TOTAL Oil Turkey designs
different kinds of campaign through Rewardo campaign wizard.
Different product groups are defined for each merchant and new
campaigns are defined based on merchant's products and separate
bonus schemes.
Awarded points are used for
either gift redemption from gift catalogue, campaign gift, lottery,
top up, fuel purchases or a combination of the above mentioned
options.
To date, Verisoft's Rewardo and POS solution is operating IP
EFT/POS terminals and contactless Mifare readers to run a customer
loyalty system all around Turkey...
TAV AIRPORT LOYALTY PACKAGE - TAV Passport
TAV Airport Holding, the leading airport operator in region has
chosen Verisoft as its loyalty solution partner. Verisoft became
the preffered bidder for TAV Airport visitor loyalty project
started in June, 2010. İstanbul Atatürk Airport became the first
airport to implement the full system.
TAV Passport cards are provided in two formats: smart cards and
stickers. TAV Passport offers various advantages to cardholders
such as 30 days of free parking and vale service, fast track check
in and passport control, discount shopping at duty free with
special cashier, discounted rent-a-car and accommodation
alternatives.
