Card Suite Acquiring Management System

Transcription

1 2011 Tieto Corporation Card Suite Acquiring Management System Aivars Belis Lead Business Architect, Cards Tieto, Financial Services

2 Acquiring Business Changing Conditions Consumer behavior Payment Innovation Merchants view of payments Tieto Corporation

3 Business and Technical necessity Continuously required expansion of business and operational efficiency Configurability Creation of new business models Competitive pricing Flexible ability to change New Generation Acquiring solution must provide Efficiency Extendability User convenience Operation optimization Open for integration Addition of new processes Scalability Multi-level merchant hierarchy Multi-institution and multi-branch processing Tieto Corporation

4 Acquiring Value Chain PRE-PROCESSING SWITCHING & CLEARING POST PROCESSING Marketing & Product Offering Acquisition & Contract Mgm Fulfillment Mgm Channel Mgm Real Time Processing Offline Processing Post Processing Merchant Account & Risk Mgm Merchant Servicing Reporting Market Analysis Campaign Mgm System Configuration POS Set-Up H2H, ICO, other interfaces Clearing Settlement & Reconciliation Merchant Settlement Profitability Mgm Customer oriented reports Brand Mgm Sales Agent Data Mgm ATM Mgm Authorization & Stand-In Rejects & Exceptions Handling Fraud Monitoring Statementing Customer Inquires Mgm Financial & Statistics reports Merchant Segmentation Application Mgm Terminal Lifecycle Mgm E- Commerce Set-Up Switching Dispute Mgm Loyalty Program Mgm Contracts & Relationship Mgm Operational reports Product Set- Up Agreement Mgm M- Commerce Set-Up Fraud Prevention Accounting Risk Monitoring Debt Recovering& Collections ICO and regulatory reports Pricing Set- Up P2P, Bill and other payments Batch Reconciliation Business Intelligence Tieto Corporation

5 Solution High-level design Tieto Corporation

6 Important characteristics Advanced architecture to launch new services Flexible business models to match customer needs Account based system Tieto Corporation

7 2011 Tieto Corporation Retail Merchant Account Management

8 Retail Merchant Account Management Retail product Reporting Merchant data management Merchant settlement Retail agreement management Accounting Tieto Corporation

9 Product Concept A product is a combination of different value sets which describe product acceptance and settlement characteristics Accepted card brands / currency Financial conditions Product Accounting rules Involved parties Target segments Tieto Corporation

10 Product Structure Parties Responsibility Accounting rules Chart of accounts Tieto Corporation

11 Product setup Customer Segmentation Tieto Corporation

12 Retail Merchant Account Management Retail product Reporting Merchant data management Merchant settlement Retail agreement management Accounting Tieto Corporation

13 Merchant Data Structure Merchant Merchant data - Legal name - Legal form - Taxpayer ID - Trade Name Addresses - Legal - Billing Assets - Merchant Bank Code/Name - SWIFT code - Credit Account / Debit Account Contact info - Contact persons - Phone - Fax - Acceptor data - Acceptor ID - Acceptor name - MCC Addresses - Postal - Web Other details Tieto Corporation

14 Merchant Hierarchy Master Merchant Sub Merchant Sub Merchant Merchant 1 Merchant 2 Outlet 1 Outlet 2 Outlet 3 Terminal 1 Terminal Tieto Corporation

15 Application New Merchant Tieto Corporation

16 Application Processing Flow Create new merchant application Add agreement condition Add terminal information Submit Approve / reject / decline Tieto Corporation

17 Retail Merchant Account Management Retail product Reporting Merchant data management Merchant settlement Retail agreement management Accounting Tieto Corporation

18 Merchant Service Charge structure VISA Electron Card product MC Commercial.. Merchant service charge Transaction type Purchase Cash Withdrawal.. Transaction region On-us.. Card technology Chip Contactless Tieto Corporation

19 Value-added Features Fees At Merchant level At outlet level At terminal level Detailed statement fee Regular subscription fee Risk assessment fee Terminal setup fee Terminal maintenance fee Tieto Corporation

20 Retail Merchant Account Management Retail product Reporting Merchant data management Merchant settlement Retail agreement management Accounting Tieto Corporation

21 Currency Conversion Settlement currency could be selected based on set-up Transaction ccy Settlement ccy Transaction ccy Settlement ccy USD USD USD EUR USD USD USD EUR USD USD USD USD USD EUR USD USD USD EUR USD EUR USD RUB USD EUR Tieto Corporation

22 Merchant Settlement Net settlement Total turnover Merchant service charge Payment to Merchant Gross settlement Total turnover Payment to Merchant Merchant service charge Invoice Tieto Corporation

23 Merchant Reimbursement Levels MERCHANT LEVEL 1 ALL OUTLETS ALL CARD BRANDS MERCHANT LEVEL 2 VISA MasterCard Amex. ALL OUTLETS ALL OUTLETS ALL OUTLETS ALL OUTLETS Tieto Corporation

24 Merchant Reimbursement Levels MERCHANT LEVEL 3 OUTLET 1 OUTLET 2 OUTLET n ALL CARD BRANDS ALL CARD BRANDS ALL CARD BRANDS MERCHANT LEVEL 4 OUTLET 1 OUTLET 2 OUTLET n VISA MC AMEX VISA MC Maestro VISA MC Tieto Corporation

25 Settlement Calendar Tieto Corporation

26 Retail Merchant Account Management Retail product Reporting Merchant data management Merchant settlement Retail agreement management Accounting Tieto Corporation

27 Supported Report Types GL reports Posting journals Debt aging reports Merchant statements Account turnover report Quarterly reports to VISA and MasterCard Tieto Corporation

28 Reports Tieto Corporation

29 2011 Tieto Corporation Terminal Lifecycle Management

30 Terminal Lifecycle Management Stock Management Terminal Lifecycle Management Terminal setup and Maintenance fees Invoicing Job ticketing Reporting Tieto Corporation

31 Application New Terminal Tieto Corporation

32 Terminal Lifecycle Terminal lifecycle example Initiation Preparation Installation & support Out of stock Outlet Bank Supplier New terminal In stock Terminal request In configuration Broken In testing In verification Installed In-repair Uninstalled Destroyed Tieto Corporation

33 Terminal Lifecycle Management Filters area & stock statistics Devices list Tieto Corporation

34 Reports Tieto Corporation

35 2011 Tieto Corporation Acquirer discount programme

36 Acquirer Discount Programme Merchant service fee discount Rental fee discount Tieto Corporation

37 2011 Tieto Corporation Operator Workplace

38 Centric Workplace Agreements Other possibilities Accounts Communicati on history Transactions Reports Tieto Corporation

39 Operator Workplace Merchant Accounts of Acceptor the Pending Transactions of hierarchy and selected terminals applications with the of current the attributes agreement software attributes current Merchant merchant Registered Completed or communication closed events applications with a of the merchant current Merchant Tieto Corporation

40 2011 Tieto Corporation Business Case

41 Today s Bottle Necks Automated workflows Compliance to security standarts LOYALTY Small retailer Retailer Flexible comissions Big retailer Compliance to legislation Retailer Tieto Corporation Different settlement schemes

42 Business Growth with Petrols Hotels $ Tier 1 Merchants Airlines Retailer networks Tieto Corporation

43 Terminal setup Manual Process Complexity Technical specialist Call-center Installator STOCK Bookkeeping Outlet Supplier Tieto Corporation

44 Processes Optimization with TLMS Terminal lifecycle example Initiation Preparation Installation & support Out of stock Outlet Bank Supplier New terminal In stock Terminal request In configuration Broken In testing In verification Installed In-repair Uninstalled Destroyed Tieto Corporation

45 2011 Tieto Corporation Summary

46 Summary Customer Benefits Improved customer service Maximum work efficiency Cost reduction Revenue increase Automation Optimization Flexibility Integration Security requirements Access control Risk reduction Capital reduction Future-proof investment point Tieto Corporation

47 2011 Tieto Corporation Aivars Belis Lead Business Architect, Cards Tieto, Financial Services