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PowerCardix in Oyakbank
www.oyakbank.com.tr
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 these banks ranging from IBM mainframe based CARDPAK to NT based solutions versus VERISOFT POWERCARDIX in use at YASARBANK and OYAK BANK.
Finally it was decided that UNIX based VERISOFT POWERCARDIX is the most powerful and flexible solution that can grow with the needs of the bank and 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 to be followed in second phase a migration to ORACLE and a new upgraded version.
OYAK BANK is issuing and acquiring 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 is the largest number of staff in any organization.
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 seperate 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 querry 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 buit 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 SanalMagaza 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 a special 3rd party software called DOC1 which enhanches 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 authorisation 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 who 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.
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