Bank Wizard. Comprehensive payment data validation and verification
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1 Bank Wizard Comprehensive payment data validation and verification
2 Introduction The Bank Wizard product family enhances payment efficiency and helps reduce payment fraud with a comprehensive suite of bank account data validation and verification solutions. Whether operating in the UK or globally the Bank Wizard product family optimises the success of your payments; increase success rates of payments reduce paper checks and manual intervention increase efficiency of payment submissions support Faster Payments enhance your know your customer and anti-moneylaundering solution help compliance with SEPA (Single Euro Payments Area) requirements validate credit, debit and charge cards helps reduce payment fraud The Bank Wizard family is available in a variety of deployment options and as part of other Experian solutions to suit your requirements Core Software Deployed Core Software Deployed with Web Service Experian Hosted Web Service Bank Wizard may be installed on your network. In this instance your business application is integrated to Bank Wizard using the Application Programmers Interface. Bank Wizard can be embedded in applications written in most programming languages and database applications. You may also deploy Bank Wizard as a hosted web service on your infrastructure, with Bank Wizard Web Service being installed on your network via an application server allowing you to use Bank Wizard in a SOAP (Simple Object Access Protocol) environment and be embedded within your core business systems. Bank Wizard is also available as an Experian hosted web service, giving you the advantages of a SOAP environment without having to install software on your network, carry out maintenance or update the database files. Functionality is delivered through your user interface. Bank Wizard Online Experian hosted Bank Wizard may be accessed online through our user interface. 2 Experian - Bank Wizard
3 Where Bank Wizard fits Bank Wizard supports your business at the points where you need it, either as a stand-alone solution or integrated to your key business systems. Bank Web channel 1 application e.g. A/P Valid Web channel 2 Call centre Bank Wizard application e.g. A/R application e.g. Payroll ERP system e.g. Oracle/SAP Bank Wizard Host to host Bank Wizard Banking Platforms Wire ACH SEPA Forms application e.g. Treasury Invalid Legacy database Banking guidelines Improved customer experience and take on Reduced internal cost Reduced external cost Increased STP rates/efficiency Experian - Bank Wizard 3
4 Bank Wizard Bank Wizard ensures the bank account data you wish to transact with is valid. By knowing that the bank account number, sort code and potentially roll number information you are using is valid you can be confident that the payments you make will be successful. What makes Bank Wizard unique is the number of data sources, data coverage and data support delivered as part of the solution. When taking customer, supplier or payroll details over the phone, via the web or face-to-face transcription errors, mis-hearing or the deliberate giving of false information will result in errors entering your system. This reduces the likelihood of successful payments processing. Designed to be easily embedded within existing applications, Bank Wizard allows you to check the validity of bank details in real time at point of capture, before you submit them to an automated clearing system such as Bacs, Faster Payments or EBA STEP2. As branches close and banks merge, bank account data is ever changing. Our dedicated data management team identify changes in bank account data on a weekly basis. Updates are automatically incorporated into your business systems so that you can be sure you are working with the most accurate and up-to-date information available. Bank Wizard has over 80% coverage of worldwide SWIFT payments, including the whole of Europe. It has been implemented by some of the largest users of automated payment solutions. Microsoft chose Experian s Bank Wizard, as it was a complete validation and conversion platform which could be easily embedded within its own preexisting applications. As a result of implementing Bank Wizard, Microsoft has virtually eliminated international transaction queries, ensuring its resellers and supply partners enjoy fast and seamless commission payments. 4 Experian - Bank Wizard
5 Bank Wizard Absolute For UK bank accounts Bank Wizard Absolute extends the capability of Bank Wizard and is the only verification service that enables you to make the connection between your customer and their bank account details in real-time. By implementing Bank Wizard Absolute, you can dramatically improve profitability and customer service by reducing failed transactions and improving your straight-through-processing rates. Bank Wizard Absolute minimises the potential for payment fraud by confirming in real-time that the bank account details provided actually belong to your customer. Know Your Customer (KYC) and other best practice guidelines (such as the Bacs guidelines for AUDDIS and Paperless Direct Debit) advise you to take measures to know your customer to reduce payment failure and fraud. By making the connection between your customer and their bank account details in near real-time at the point of sign-up, Bank Wizard Absolute can help you comply with increasing regulatory requirements, legislation and best practice for KYC. Bank Wizard Absolute allows you to make risk-based decisions on customer acquisition whilst enabling you to acquire customers more efficiently online, over the phone or instore without the need for paper based authentication. Where you need to make payments using the Faster Payments system Bank Wizard Absolute can give you the confidence that the money you are transferring is going to the beneficiary you intend to receive it. As Faster Payments are irrevocable, confirming that the beneficiary account is valid and can accept a Faster Payment before submission is critical to providing a successful service. Bank Wizard Absolute confirms the validity of account details at the point of entry and enables you to identify where a Faster Payment would fail due to account closure, non-existent accounts or deceased account owner. UK businesses, particularly corporates, increasingly use automated payments, and every business using them will be aware of the importance of accurate and efficient payment processing. However, not all corporates may appreciate that commercial products like Bank Wizard Absolute could potentially help them achieve greater levels of data accuracy, straight-throughprocessing and therefore more efficient processing. UK Payments Council Experian - Bank Wizard 5
6 Bank Wizard Global Capturing the correct beneficiary bank account and payment routing information for processing cross-border and international payments can be time-consuming and costly. Yet, these are vital steps to ensuring your payments reach the right destination quickly and efficiently. Bank Wizard Global is the international payment validation solution that enables you to maximise the straightthrough-processing (STP) of your international payments by providing Basic Bank Account Number validation across 46 countries. Using the most comprehensive payment data, financial institution information and validation capabilities available for over 228 countries and territories worldwide, Bank Wizard Global will help ensure your payments reach the correct beneficiaries with minimal risk of failure. Bank Wizard Global allows you to; collect correct and relevant bank account details based upon specific country requirements (IBAN, BBAN or BIC and Account Number) enter and convert between different account standards (BBAN and IBAN+BIC) validate IBANs and BBANs (where available) for increased confidence in account and bank accuracy fully decompose IBAN information to ensure that the underlying BBAN is valid confirm the existence of bank or branch check BIC codes globally for international payment routing Using the most comprehensive payment data, financial institution information and validation capabilities available for over 228 countries and terrotories worldwide, Bank Wizard Global will help ensure your payments reach the correct beneficiaries with minimal risk of failure. 6 Experian - Bank Wizard
7 Data Conversion Services For organisations with existing databases of bank account numbers, Experian offers a service to validate the data already held and to make sure that it is cleansed and in the format required. With initiatives such as SEPA (Single Euro Payments Area) mandating the use of a standardised format for bank accounts using IBAN (International Bank Account Number) Experian s data conversion service can take the data in your systems to; validate the bank account data is correct convert the data into IBAN provide routing information such as BIC (Bank Identifier Code) ensure your payments data is ready to meet SEPA requirements With Experian doing most of the work, our affiliates were able to focus on validating only those records where data was missing. This generated huge savings in time and costs as the data conversion would have taken us several months to complete, instead of the few days it took Experian. It meant we could focus our resources on the most beneficial tasks. Maxime Durdu European Treasury Manager, Levi Strauss Bank Wizard Card Services Bank Wizard Card Services extends the functionality of Bank Wizard to validate UK bank cards and match debit card details to the corresponding bank account. Credit, debit, charge and pre-paid cards can be validated so that you can be sure that the details you wish to process are valid for the issuing financial institution. For MasterCard and Visa schemes, you can also verify that your customer and the account are connected by performing a status inquiry, AVS and CVV check. As well as checking the details are in the correct format and that the card is active, verifying cards makes sure the customer and the card are connected. To do this it performs a CVV and AVS check. The CVV (Cardholder Verification Value) check matches the CVV supplied with the CVV registered at the card company. The AVS (Address Verification Service) check compares the address provided by the customer with the address registered at the card company. This is done by verifying the numeric portions of the addresses (house number and the numbers in the post code). Experian regularly updates the card validation and bank matching data to make sure you are validating against the most up to date scheme and issuer details, and the latest modulus rules. Bank Wizard Card Services is implemented as an Experian Hosted web service. You do not need to install any software and Experian maintains the solution so that you can be sure the information is always up to date. Experian - Bank Wizard 7
8 Experian Limited Landmark House Experian Way Nottingham NG80 1ZZ For further information please contact: T info@experianpayments.com Experian The word EXPERIAN and the graphical device are trade marks of Experian and/or its associated companies and may be registered in the EU, USA and other countries. The graphical device is a registered Community design in the EU. All rights reserved.
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