Transcript International Card Systems, Skopje, Macedonia

International Card Systems
Skopje, Macedonia
What is CaSys?
 CaSys is a regional card processor offering payment card
services to banks and non-financial institutions.
 NPK (National Payment Card) was established by the
government of Macedonia four years ago as a national payment
card center. In the middle of 2003, NPK was privatized and
renamed to CaSys, which became a member of the FIBank
Group.
In the beginning of 2005, CaSys was certified as a
MasterCard Member Service Provider and Visa Third Party
Processor for chip cards.
 CaSys is certified and applies ISO 9001:2000 standards.
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CaSys Statistics
 The CaSys platform contains: front office ACI B24 and back
office ACI CMS run on HP/Tandem machine, HSM Atalla,
CIM as personalization machine and P3 THALESS for EMV
data preparation.
 At present CaSys employs thirty people.
 CaSys services six banks in three countries, and has issued
30,000 chip cards, processed 250,000 transactions, and
manages 70 ATM terminals.
 By the end of 2006, CaSys plans to work with 10 regional
banks, to have issued 100,000 chip cards, to manage 800 ATMs
and 1,000 POS terminals, and to have processed 1.5 million
transactions.
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Why CaSys for Member Banks?
 The objective of CaSys is to become the leading regional
provider of processing services in the area of cashless payment
systems.
 CaSys offers extension and enhancement of the quality of epayment services for banks.
 CaSys as a mediator between banks and international card
networks can reduce the complexity and time required to
process a member’s licensing.
 CaSys as a certified processor can lower initial as well as
operational costs for the members of the international card
networks.
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CaSys Services in Brief
 Switching, authorisation and processing of transactions.
 Card personalisation and PIN generation.
 Clearing and settlement.
 Dispute transaction processing.
 Key management.
 Management and maintenance of ATM/POS network.
 ATM/POS type certification.
 Multilanguage customer support center, 24 hours a day, 365
days a year.
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Why CaSys for Issuing?
 Issuing cards from international networks:
–Visa Electron, Visa Classic, Visa Business, Visa Gold, etc.
–Maestro, MC Standard, MC Business, MC Gold, etc.
–Diners
–American Express
 Card personalization techniques: emboss, infill, indent, magnetic
stripe, chip, hybrid, printing of: bar code, logo, photos.
 Plastics/chip vendor partners are AustriaCard and GemPlus.
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Why CaSys for Issuing?
 Issuing and card management of various card types: debit,
credit, proprietary, loyalty, private cards for non-financial
institutions.
 Calculation, on behalf of banks, of various charges and fees
for the cardholders: for transactions, cards, accounts, interest
rates, penalty fees.
 Switching and on-line/off-line authorization of transactions.
 Processing of transactions results in information for clearing
of cardholder accounts.
 Risk management.
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Why CaSys for Acquiring?
 Management and monitoring of ATM/POS network.
 Connection with international networks.
 Calculation, on behalf of banks, of various charges and fees
for the merchants: for transactions, interest rates depending on
settlement period.
 Processing of transactions results in information for clearing
of merchant accounts.
 Risk monitoring.
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CaSys Network
On-line connected
banks and
processors
ATM network
CaSys
POS network
ACI-CMS
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Off-line connected
banks
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CaSys Connections
 CaSys has on-line connections with the Visa Center in London
and the MasterCard Center in Waterloo.
Constant exchange of data between banks and CaSys requires a
permanent connection through leased line or one of the following:
frame relay, VPN, satellite line.
Protocol BIC ISO 8583 is required between bank host and
CaSys system for switching and on-line authorization.
 Off-line connection between banks and CaSys is via file
transfer.
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Ongoing and Future Projects
 Payment portal for:
– E-commerce
– Bill payments
– Mobile top up
 Loyalty programs
 Installment programs
 SMS alerts
 Integration of m-banking with payment cards
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Payment Portal
 3D-secure, integrated with MCSC and VbV
 New payment channels: internet, АТМ and POS terminals
with new function, SMS, IVR
 E-commerce – internet selling/buying with payment cards
 Bill payments – payments of utility bills, post-paid mobile
telephony
 Mobile top up – recharging pre-paid mobile telephony
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Payment Portal
ATM network
Banks/Other
processors
POS network
www.cpay.com.mk
E-shop
Internet
Payment
portal
CaSys
Customer
SMS
IVR
ACI-CMS
Service providers
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In Brief
 Banks require a minimum of technical effort in order to
connect to international card networks with CaSys as processor
 Banks can optimize their staff in the retail area with CaSys
as card processor
 CaSys helps to strengthen the relationships between banks
and their customers, both cardholders and merchants
 CaSys provides payment solutions for banks in multiple
segments
 Banks determine their own pricing and profit model for their
card customers
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For further information please contact:
Sandra Tomanovic
Phone: +389 2 3293 861
e-mail: [email protected]
Lidija Bogoevska
Phone: + 389 2 3293-879
E-mail [email protected]
or visit: www.casys.com.mk
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