itm 4.5 point releasefiles.ctctcdn.com/355888f4101/f2f15b8c-f285-4698-9f93-a...perspective, cash...

July 2015

Release Highlights

4.5

ITM 4.5 Point Release Discover a World of Possibilities

ITM 4.5 Point Release Highlights

Confidential Page | 1

Integrated Transaction Management® (ITM) is a registered trademark of Euronet Worldwide, Inc.

Euronet USA, LLC

17300 Chenal Parkway, Suite 200 Little Rock, AR, 72223 Tel: 1-501-218-7300 Fax: 1-501-218-7302

E-mail us at: [email protected] Visit our Website at www.euronetworldwide.com.

Copyright © 2015 Euronet Worldwide, Inc.

Printed in the United States of America. All rights reserved. Any and all product names, company names, logos, and trade names used in this

publication are assumed to be the legal property of their respective companies and are used here for identification purposes only. No part of this work covered by the copyrights hereon may be reproduced or used in any form or by any

means without the express written permission of Euronet Worldwide, Inc.

This document contains confidential and proprietary information. Its contents may not be disclosed without the express written consent of Euronet Worldwide, Inc.

LIMITATION OF LIABILITY: PRODUCT DOCUMENTATION IS AS ACCURATE AS

POSSIBLE AS OF THE TIME OF PRODUCT RELEASE. HOWEVER, EURONET WORLDWIDE INC. WILL NOT BE LIABLE FOR ANY DIFFERENCES BETWEEN

PRODUCT FUNCTIONALITY AND THE PRODUCT DOCUMENTATION. EURONET WORLDWIDE, INC. MAKES NO OTHER WARRANTIES WITH RESPECT TO THE PRODUCTS, OR ANY SERVICES, AND DISCLAIMS ALL OTHER WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY,

FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. FURTHER, EURONET WORLDWIDE, INC. DOES NOT WARRANT, GUARANTEE OR MAKE ANY

RESPRESENTATIONS REGARDING THE USE, OR THE RESULTS OF THE USE, OF ANY PRODUCTS OR RELATED DOCUMENTATION IN TERMS OF CORRECTNESS,

ACCURACY, RELIABILITY OR OTHERWISE. Some states or jurisdictions do not allow the exclusion or limitation of incidental or consequential damages; so the above

limitations may not apply to you.

Euronet Worldwide Inc. Corporate Headquarters 3500 College Boulevard Leawood, Kansas 66211

Release Highlights

4.3

http://www.euronetworldwide.com/



Table of Contents Euronet Point Release Program Description ................................................................. 4 Product Direction ................................................................................................................... 6 Release Highlights .................................................................................................................. 7 Self Service Payment Solutions ATM Management Solutions ............................................................................................ 12 Multivendor Self-Service Software Suite Cash Recycler No-Envelope Check Deposit ATM eReceipt Cash-Based Content Sales Cash Position Consolidation Enhanced Device Status Wincor Native NDC Compatibility Terminal Application Compatibility EPP Compatibility Mobile Banking Solutions ................................................................................................. 14 Mobile Cash Withdrawal Additional Transactions Enhanced Functionality Two Way Actionable Alerts Split SMS Message Batch Enrollment Self-Enrollment Bill Pay Alerts Operational Alerts ATM eReceipt One-Time Password

Internet Banking Solutions ............................................................................................... 16 Cardless Cash Withdrawal Multi-Level Authorization SWIFT Wire Transfer Integration with Prepaid System Retailer Transactions One-Time Password Two-Factor Authentication Improvements User ID and Password Recovery Self-Enrollment Batch Enrollment Masked Numbers Download Formats Server Certification

Customer Relationship Management Solutions ................................................................. 18 Cardholder Preferences Enhancements Advertising Coupon

Recharge Solutions ........................................................................................................... 18 PGS Server Certification WGS Server Certification

Bill Pay Solutions .............................................................................................................. 19 Thin Client Bill Pay

NEW PRODUCT!



Enhanced Monitoring Utility Solutions .............................................................................. 19

EMU Dashboard Operational Alerts EMU Enhancements Card and Network Solutions Card Solutions .................................................................................................................. 20 Card Inventory System Multiple Form Factor eCommerce Transaction Limit Overall Card Limit Card Activation Fee Status Card Integrated Credit Card Solutions ....................................................................................... 21 Cardholder Initiated Installments Islamic Card Integrated Transaction Management Solutions ................................................................. 22 Tiered Transaction Fees Money Transfer Benchmark Findings Upgrade Process Improvements Mobile Phone Number Identification Prepaid Solutions ............................................................................................................. 23 Virtual and One-Time Purchase Cards Prepaid Browser Access Reject Maintenance Screen Application File Processing Batch Activate/Deactivate Barcode Support Voucher Support Pseudo Pan IBAN Support Auto Enroll Notify, Access and EIB Multicurrency Prepaid Wallet Card Association Payment Solutions ................................................................................. 25 Pulse D-PAS Enhanced EMV Support UnionPay International (Issuing) NSICCS JCB Acquiring Web Services .................................................................................................................... 27 CarholderInControl Web Services Merchant Web Services Client and Card Management Web Services Prepaid Web Services Money Transfer Web Services Card Inventory Web Services Statistics System Statistics .......................................................................................................................... 29 System Statistics Dashboard Volume Tracking Report Enhancement Contacts ................................................................................................................................... 30

NEW PRODUCT!

NEW PRODUCT!

NEW PRODUCT!

NEW PRODUCTS!

NEW PRODUCTS!



Euronet Point Release Program

Document Description

This document provides a high-level description of the new products, modules, interfaces and features

available in Euronet Software Solutions’ Integrated Transaction Manager® (ITM) 4.5 Point Release. Each

listed product feature includes a high-level functional description and its associated benefits. For more details

regarding the content of this document, please contact a member of the Euronet Software Solutions’ Product

Management team as indicated in the Contacts section.

Enjoy the Benefits of New Features

To enjoy the benefits of new products and features in ITM

Point Releases, clients must meet the following criteria:

Must be on the Euronet maintenance plan

Must be on a “point releasable” version of the

Euronet system

Must have licensed the application within the

product suite for which the features were added

Stay Current with the Point Release Program

Euronet Software Solutions distributes the Point Release

package to qualified clients biennially (once every two years), and encourages every client to stay current by

installing each Point Release. The Point Release package contains the accumulation of new features and

Program Temporary Fixes (PTFs) that have been added to the base product since your initial installation date

or since the last version release. The Point Release distribution will contain the latest release objects, utilities,

appropriate documentation for each product, and the release notes. The release notes include a detailed

description of each modification and the name of every updated program and/or file.

The objective of the Euronet Software Solutions’ Point Release program is to keep each ITM system at the

latest version while providing additional features and functionality. By implementing the Point Release, our

clients benefit from new features and functionality, more effective support, easier mandate installations and

smoother implementations of new projects.

New features and functionality

More effective support

Easier mandate installations

Smoother implementations of new projects

Increased speed-to-market for enhancements critical to your business

Benefits of the Point Release Program



Dedicated Team at Your Service

Euronet Software Solutions has a dedicated team, which, together with our Customer Support organization,

provides focused assistance during the implementation of your release. This team includes a release

coordinator and technical resources to ensure a smooth installation.

For More Information or to Schedule Installation

If you have any questions about the version of the system your institution is using, or how your institution

can become “point releasable,” or to schedule installation of the ITM 4.5 Point Release, please contact the

Euronet Software Solutions’ Release Coordinator:

Ms. Karen Clements

E-mail: [email protected]

Telephone: (501) 218-7117

Mobile: (501) 944-7117

mailto:[email protected]



Product Direction

Each year as the financial industry becomes increasingly more competitive and demanding, Euronet

recognizes that our clients have a fundamental need to interact with their customers in a consistent, intuitive

and multifaceted way. In the ITM 4.5 Point Release, we actively pursued opportunities to deliver products

and features that allow you to reach your customers. Our primary goal is to help your business attain greater

profitability, growth within your customer base and the ability to onboard products within the Euronet

portfolio while promoting quicker speed to market. This is done all while ensuring security, compliance and

unique consumer experiences.

Profitability – Profitability is an important benchmark within any business and is essential in

achieving long term sustainability. Within the ITM 4.5 Point Release, we have continued to

maintain our focus on cost containment, enhanced and new revenue streams, operational

efficiencies and solutions scalability.

Financial Inclusion – The ability to onboard new customers into the payments ecosystem is

imperative, and as the economies of emerging, developed and mature markets shift and change,

we continue to see opportunities to provide solutions that are suitable for multiple customer

segments. Our ITM 4.5 Point Release continues this trend by offering features that allow you to

grow your customer acquisitions.

The Power of Euronet – Euronet has long been known as a software provider that leverages its

own intellectual property to drive internal efficiencies in addition to revenue. We believe that

providing our customers with the same opportunity to leverage the broad range of payments

instruments offered by our own business lines in varied payments markets is how we create long

lasting, advantageous and innovative competitive advantages for our customers.

Consumer Experience – Technology has offered consumers with more than one way of

participating in financial transactions. As omni-channel solutions become increasingly more

important, we see a drive toward consistent consumer experiences across multiple channels as a

necessity. Euronet remains committed to providing solutions that drive holistic user experiences

that can be instrumental in your customer retention and acquisition strategies.

Security/Compliance – Regulatory and card association requirements are in a constant state of

change and as a provider of PA-DSS certified software, we remain dedicated to ensuring that your

financial institution and your systems remain safe, secure and in compliance.



Release Highlights

Profitability Profitability is a combination of revenue attainment and cost containment. The ability to do both of these

things simultaneously can determine the long term success of campaigns while limiting the amount of

exposure that your business may experience during changing times. Euronet enriches the profitability of

financial institutions through solutions focused on cost containment, enhanced profit streams, new revenue

sources, operational efficiencies and solution scalability.

Effectively managing cost-intensive ATM components can greatly impact your level of profitability by driving

operational efficiencies within your ATM service model. The ITM 4.5 Point Release features, such as Cash

Recycler and Check Deposit, are great methods to reduce turnaround time for cash replenishment, increase

accessibility to deposited funds and reduce transportation service costs to your organization. From a cost

perspective, cash replenishment remains one of the highest components in the ATM service model. The Cash

Recycler enables additional cash transactions to be performed at an ATM with fewer cash replenishment

visits. This is because cash deposited can be dispensed in a subsequent cash withdrawal transaction. By

allowing customers to deposit checks at ATMs, the Check Deposit functionality lowers operational costs

associated with accepting and processing checks as well as reducing transportation costs for ATM visits to

retrieve deposited checks. The service also improves the customer experience with faster availability of funds

to the customer’s account.

Automation and integration help to maximize operational efficiency. The Euronet Monitoring Utility (EMU)

Dashboard provides an aggregated system view of ATMs, cash position, modules, nodes and other objects in

the Euronet User Interface. Users also have access to a detailed view of ATMs and their cash position. This

can be integrated with our Operational Alerts enhancement to provide immediate alerts to bank staff

whenever a system event requires attention. Additionally, the Cash Position Consolidation provides the

financial institution with up-to-date currency level information to be able to manage the cash in the ATM,

thereby increasing the uptime of the ATM.

The SWIFT Wire Transfer enhancement eliminates the need for bank staff to re-enter the request into the

SWIFT system. Elimination of the manual process is a significant step toward creating a more efficient and

streamlined process. The One-Time Password feature removes the need for hardware tokens and provides

the same benefits of Two Factor Authentication functionality.

Whether a financial institution has a legacy ATM hardware estate or is starting anew, a focus on cost

optimization can deliver financial benefits in the long run. Euronet’s Multivendor Self-Service Software Suite

is a vendor agnostic solution that runs on any ATM manufacturer’s hardware. The open technology supports

easy integration to other banking channels and systems. The remote software distribution function enables

screen changes and software upgrades to be easily deployed across the ATM fleet giving a unified operational

environment and customer experience. This delivers inherent benefits of a single source solution as opposed

to running multiple vendors’ software.



With the introduction of the Statistics Dashboard and the enhancements to the Euronet Monitoring Utility

in our ITM 4.5 release, Euronet is providing financial institutions with the ability to easily access their data in

a graphical format within the Euronet Software Solutions User Interface. The ability to view data at a high-

level vantage point enables your institution to make informed decisions by analyzing metrics and KPIs that

could greatly impact revenue streams, cost containment, scalability and operational efficiencies across your

card and ATM system.

Euronet understands the importance of revenue generation for your organization. With that in mind, we

have added a number of feature enhancements that can contribute to your bank’s financial growth. Features

such as the enablement of domestic and international Money Transfer at the channel of your choice and

enhancements to Multiple Form Factor, that provide cardholders with an option other than traditional

plastic, offer you opportunities to expand your product portfolio while driving incremental revenues. With

our ITM 4.5 Release, we have added connectivity to Japan Credit Bureau (JCB) and the National Indonesian

switch (NSICCS), as well as provided support for Pulse EMV. With these additional connections, you will have

the ability to reach a much wider audience thereby increasing chances to generate additional revenue from

interchange fees. Additionally, we have added Card Issuing Capability to UnionPay International and an

Islamic Credit product. You can also increase your revenue by driving mark-up income on currency exchanges

revenue by offering our Multicurrency Prepaid Card that gives consumers the flexibility of a single card with

multiple currencies ideally suited for frequent travelers.

Financial Inclusion As our world economies become more global and technologically savvy, we are experiencing scenarios where

first time account holders are requiring more robust solutions that allow them to access funds anywhere,

anytime and on any device. Therefore, “financial inclusion” has come to mean more than just those who do

not meet the traditional banking criteria but has become a catch-all phrase that is synonymous with end

users from many different consumer segments who have very diverse needs. Whether it is access to self-

service channels that cater to debit, prepaid or credit card holders, or POS solutions that allow merchants to

accept multiple forms of payment, banks are finding it necessary to be everything to everyone.

In our ITM 4.5 Release, features such as Cash-Based Content Sales and Cardless Cash Withdrawals and the

ability to purchase Virtual or One-time Use Cards allow banks to meet the needs of a growing consumer

segment that does not fit the mold of the “traditional” banking customer. Cash Based Content Sales provide

choice and convenience to users purchasing mobile airtime or other digital content by offering cash as an

additional payment option. Users are able to receive person-to-person (P2P) payments or emergency cash

by completing a Cardless Cash Withdrawal transaction at the ATM. These functions enable you to acquire

more customers at your ATMs, while Virtual or One-Time Use Cards enable users to make eCommerce

transactions safely and securely.



The Power of Euronet At Euronet Software Solutions, we believe that there is power in numbers and our ability to leverage

corporate-wide solutions to bring value to our customers is unlike any other company in the industry. Our

solutions are designed to allow our customers to easily integrate services and as a benefit we are able to

scale our solutions to meet a variety of your organization’s needs. Our continued investment in Web Services

is but one way in which we are bridging the gap between platforms and services that are important to a

bank’s business. With our ability to seamlessly connect to Euronet Worldwide products and services, we are

poised to help your business grow in a number of innovative ways.

In addition to delivering quality solutions to our software clients, we also manage data centers across Europe,

the Middle East, India and China. Utilizing the same reliable and secure technology used by our software

clients, our data centers process transactions in a network of more than 20,860 ATMs and 76,000 POS

terminals across 47 countries. Euronet’s data centers provide comprehensive electronic payment solutions

consisting of ATM network participation; outsourced ATM and POS management solutions; credit, debit and

prepaid card outsourcing; card issuing and merchant management services.

Our experience in the payments business as both a software solutions provider and as a processing provider,

gives us firsthand knowledge of the challenges that our customers face when integrating payments solutions.

Because we have been there, we know how to mitigate the risks. Whether an organization operates its

system in-house or utilizes our outsourcing services, it will gain the benefits of industry leading experience

and knowledge.

Showcasing the complete power of Euronet, another quality that makes Euronet Software Solutions unique

in the market is the integration of our software solutions with the services offered by other divisions of

Euronet Worldwide. Those divisions are Ria Financial Services for money transfer and remittance services,

including offerings from HiFX; epay for prepaid service offerings; and EFT for outsourcing and value-add

services. Examples of combined offerings include prepaid mobile top-up, dynamic currency conversion, fraud

management, bill payment, ATM money transfer payout, prepaid digital content, gateway services, and our

iTunes® and other digital content distribution services.

Consumer Experience Industry trends suggest that customers should feel welcomed and acknowledged at any given touch point

throughout their financial experience. Within our ITM 4.5 Point Release, we strive to create opportunities for

your consumers to feel as though they are valuable partners and uniquely appreciated.

Convenience and timeliness of service are customer prerequisites, and our roadmap enhancements support

this. The introduction of ATM Cardholder Preferences Enhancements allow cardholders to save up to 7 of

their favorite transaction preferences, thereby reducing the time they spend clicking through the ATM

screens. This is especially beneficial for complex transactions such as Bill Payments. Banking customers are

able to enroll themselves in Euronet Internet Banking (EIB) through the Self-Enrollment function. Once

registered, they are able to Self-Enroll to the Access and Notify mobile banking services. The Enhanced

Access Functionality allows users to start and stop alert and/or banking services as needed, request help



command list and account alias list, and respond to marketing messages among other functions. The User ID

and Password Recovery function enables Internet Banking users to request forgotten login credentials to be

sent to their preregistered email or phone.

With the implementation of Two Way Actionable Alerts, the interaction between the bank and the consumer

becomes conversational rather than a single direction, merging the interactive and unsolicited models. With

Two Way Actionable Alerts, the customer receives an alert (for example a bill or credit card payment is due)

and can respond to it causing an action (such as a payment). This mechanism also assists in fraud prevention

where the customer is notified about a potentially suspect transaction and is offered to reply with “Fraud,”

which can trigger a notification to the fraud department. Bill Pay Alerts inform a customer when a bill is due

and when it has been paid, freeing them from having to remember whether the bill was paid, thus further

increasing their loyalty to the institution.

ATM and Mobile convergence can be seen in the ATM eReceipt option and Mobile Cash Withdrawal

transaction. With ATM eReceipt, the user enters their phone number to which they wish to receive an SMS

text receipt rather than a paper receipt. Mobile Cash Withdrawal allows a user to stage their transaction

either online or via mobile beforehand. At the ATM, they only need to scan their QR code or enter the

authorization code to collect their funds.

The Internet and mobile phones have become major means of communication between the consumer and

financial institutions. Consumers want access to information at their convenience and financial institutions

are willing to give access within reason. CardholderInControl and Merchant Web Services provide the

potential for integration with the financial institution’s website for access by cardholders and merchants.

Cardholder Initiated Installments give the cardholder the option of contacting the bank to rearrange or

reschedule their credit card balances while providing the financial institution with an extremely effective tool

for delinquency management.

Security/Compliance Euronet Software Solutions continues to invest in functionality that supports your security and compliance

needs.

In addition to the International Card Organization mandates, Euronet ITM 4.5 provides Enhanced EMV

Support for Visa’s VIS 1.5 and VCPS 2.1 contact and contactless EMV as well as MasterCard’s MasterCard

Advance. These EMV updates provide even more card security and position banks to leverage EMV

processing for growth in NFC and payment tokens.

In the card management area, our new Card Inventory System provides a level of control over the life-cycle

of an individual card or bulk stock. The option to Status the Card after invalid PVV or CVV attempts, and the

introduction of eCommerce Transactions Limits and an Overall Card Limit all ensure that payments are not

only flexible but are more secure.

The Euronet Internet Banking and Mobile Banking solutions have been enhanced to increase consumer



security through the use of One-Time Passwords and Two Factor Authentication improvements. The

addition of Multi-Level Authorization for commercial user transactions provides additional layers of

approvals and control.

Omni-Channel and Streamlining Your Payments System Omni-channel strategies require banks to offer seamless and consistent experiences across multiple channels

while maintaining the integrity of their brands and platforms. The ability for multiple device types, such as

ATMs and smartphones to converge is essential to improving the customer’s experience and a critical

component of future business growth. Two examples of such integration are Mobile Cash Withdrawal, using

a smartphone to stage a cash withdrawal transaction using the customer’s account, and ATM eReceipts,

receiving an electronic receipt or alert for a transaction performed at the ATM. Additionally, mobile phones

also provide a channel for originating and receiving person-to-person payments. The transacted value can be

withdrawn from a secure ATM at a later date. By offering a consistent omni-channel experience to your

customers, they are more apt to continue along in the financial relationship.

Whether your customer is accessing services at a physical branch location, via the Internet or mobile phone,

or through your merchant, our integrated solution coupled with extensive use of Web services technologies

allows a cohesive and consistent offering to your customers.

Expanding on that definition, we believe a true omni-

channel experience allows your customer to have

control over their own experience and have the ability

to alter it in ways that meet their own unique needs.

We have designed our products to allow your customer

more choice and ownership by allowing them to define

their interactions through favorite transaction activities

at the ATM, CardholderinControl, and our Notify and

Access channels.

ITM is a proven solution, capable of handling millions of

transactions from many different touch points while

simultaneously providing scalability. Euronet Software

Solutions’ infrastructure is built to provide you with

flexibility that allows you to quickly integrate solutions

that help drive revenue and efficiencies with rapid

speed to market.

In Summary Euronet Software Solutions’ ITM 4.5 Point Release is our next step in providing our customers with

sustainable benefits that will drive revenue, reduce costs, promote efficiencies and maintain compliance. It

is our goal that you partake in all of the benefits that the ITM 4.5 Point Release offers, and we strongly

recommend that you review additional features included within this release. We are committed to providing

our customers with the best experience possible and look forward to seeing you on our ITM 4.5 Point Release

schedule.

Omni-Channel Experience

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Self Service Payment Solutions

ATM Management Solutions

Multivendor Self-

Service Software Suite

This hardware and vendor agnostic software suite is capable of managing self-service terminals such as ATMs and CDMs. It is a powerful solution that allows customers to scale and maintain consistency across their ATMs regardless of the hardware vendor. The software suite includes a terminal application on the ATM, an ATM server which communicates with the ATM and the transaction processing switch (ITM), and a Terminal Management System with a browser-based user interface. Additional applications such as an ATM Simulator and a Designer application to modify the XML-based screen flows and receipts are also available.

This new product requires additional license and services.

Cash Recycler

This enhancement enables Cash Recycler support for Diebold and Wincor ATMs equipped with the cash recycler devices. The cash recycling capability enables cash-in and cash-out on the same ATM. The cash recycler will accept, validate, sort and store designated denominations of notes in the recycle cassettes. Subsequently, when a customer requests a cash withdrawal, the requested cash is then dispensed from these recycle cassettes.

This feature requires additional license and services.

No-Envelope Check

Deposit

This enhancement allows the deposit of bulk checks at NCR and Wincor ATMs equipped with the check depository hardware devices. The check depository hardware is capable of scanning electronic images of deposited checks, which are transmitted to an image-processing host platform and can also be printed on the cardholder receipt.


ATM eReceipt

Using the Notify product, ATM users now have the ability to receive electronic receipts via SMS text instead of paper receipts. This new paperless option provides added convenience for customers with an easy way to track ATM transactions and helps reduce carbon footprint.

Benefits

Increased transactions

Less frequent ATM cash replenishments

Benefits

Improved user experience

Faster access to funds

Benefits

Single application across manufacturer hardware

Rapid introduction of services and speed to market

Ultimate control over terminals and devices

NEW PRODUCT!

Benefits

Environment friendly



ATM Management Solutions continued

Cash-Based Content

Sales

This enhancement to our ATM Recharge module provides the ability for users to purchase mobile airtime or other digital content with cash. It enables you to offer the services to cash preferred users, in addition to card users. To purchase content with cash, the user is prompted to insert cash into the cash depositor-equipped ATM after selecting the item they wish to purchase.

Cash Position

Consolidation

This enhancement consolidates cash counters within the ATM system. It provides a single source of data to monitor and manage currency levels within the ATMs. The cash counters are retrieved from the ATMs. The cassette counts of the same denomination are combined and cash is displayed by denomination in the ATM and EMU cash position screens.

Enhanced Device Status

The ATM Device Status monitor screen now includes additional hardware status data from solicited and unsolicited ATM status messages. This function was added to the Diebold and NCR Device Control modules.

Wincor Native NDC

Compatibility

The NCR Device Control module has been validated to support Wincor ATMs utilizing native NDC message protocol. This feature enables the financial institution to run Wincor and NCR ATMs using the same native NDC device driver.

Terminal Application

Compatibility

The NCR and Diebold Device Control modules have been validated with ATMs running on Diebold Agilis 3.0, Aptra Advance 04.02.00 and Wincor ProCash DDC/NDC 3.0/10 to ensure compatibility.

EPP Compatibility

The NCR and Diebold Device Control modules have been validated with ATMs equipped with Diebold EPP7 and NCR EPP3 hardware to ensure compatibility. Additionally, enhancements were made to Key Management to comply with PCI requirements.

Benefits

Revenue for Acquirers

Choice and convenience to consumers

Benefits

Single source of data

Enhanced monitoring

Benefits

Ensure compatibility

Benefits


Benefits

Ensure compliance

Benefits

Enhanced monitoring



Mobile Banking Solution

Mobile Cash Withdrawal

Using the mobile Web channel, a user is able to stage a cash withdrawal transaction by requesting a mobile cash withdrawal authorization code either in clear text or QR code form. The user is then able to complete the mobile cash withdrawal transaction by entering the clear text code or having the ATM scan the QR code from their phone. If successful, the ATM will dispense cash to the user. This solution is provided and is fully integrated with Euronet’s multi-vendor self-service software suite.


Additional Transactions

These enhancements reflect Euronet’s commitment to growing this essential and powerful channel with every ITM Point Release. Many of these new transactions were included in ITM 4.5 as a result of valued input from the Euronet customer base. The following new transactions have been added to the SMS Access channel:

Mobile Phone Recharge / Top-Up

Card Activation

Loan Payment

Credit Card Payment

Person-to-Person Payment

Enhanced Functionality

In addition to the new transactions above, the following user-initiated self-service operations allow the user to perform administrative and self-help functions. The following functions have been added:

Start/Stop SMS Alert Service

Start/Stop SMS Banking Service

Retrieve List of Commands

Retrieve List of Account Aliases

Register Request

Two Way Actionable Alerts

This enhancement turns the SMS channel into an interactive, two-way messaging channel by instructing the recipient to respond to an alert text message and initiate a SMS text banking transaction. Upon receipt of the alert, the customer is able to take action instantly by responding to the alert. Examples of actionable alerts are:

Respond to Fraud Alert

Respond to Marketing Offer Message

Respond to Low Balance Alert

Respond to Payment Due Alert

Benefits

Empowering users for self-service operations

Benefits

Improve user satisfaction

Benefits

Convergence of ATM and mobile

Benefits

Access for customers without smartphones or computers



Split SMS Message

To overcome the limitation on the number of characters that can be sent in a single SMS text message transmission, long messages are split into smaller messages. The messages are not concatenated but sent as separate messages with message labels indicating which block of data is received [e.g. Msg 1/2 for the first 160 characters, and Msg 2/2 for the second 160 characters].

Batch Enrollment

A batch enrollment process allows enrollment of prepaid cardholders as SMS text banking and Notify alert users based on data received in the issuer input maintenance file and default templates configured via the Euronet Software Solutions User Interface.

Self-Enrollment

A self-enrollment option is available in Euronet Internet Banking which enables users to enroll themselves to the Access and Notify channels.

Bill Pay Alerts

A new set of notification messages oriented toward bill payments has been added. These alerts allow users to be notified of pending scheduled payments and post-payment notifications of payments.

Operational Alerts

Maintaining a high system uptime is of upmost importance. The ability to be notified on system events would limit downtime and allow for quick response from bank staff. This enhancement enables Notify to send operational SMS text message alerts as detected by the Euronet Monitoring Utility product to designated staff.

ATM eReceipt

Using the Notify product, ATM users now have the ability to receive electronic receipts via SMS text instead of paper receipts. This new paperless option provides added convenience for customers with an easy way to track ATM transactions and helps reduce the carbon footprint.

One-Time Password

This extension of Euronet Internet Banking’s Two-Factor Authentication capabilities to the SMS channel provides an end-to-end low cost solution that does not require hardware tokens or third party vendors. A one-time password is generated during the two-factor authentication processing and is delivered to the customer via the Notify channel. The passwords may be generated by the ITM system or an interface to a third party system may be used. The one time passwords are expired within a configurable time frame.

Benefits

Streamline workflow

Benefits

Build user loyalty

Benefits

Environment friendly

Benefits

Improve system uptime

Benefits

Cost savings

Improved security

Benefits

User empowerment

Benefits

Improve user satisfaction



Internet Banking Solutions

Cardless Cash Withdrawal

Using the Internet Banking channel, a user is able to stage a cardless cash withdrawal transaction by requesting a cardless cash withdrawal authorization code either in clear text or QR code form. The user is then able to complete the cardless cash withdrawal transaction by entering the clear text code or having the ATM scan the QR code from their phone. If successful, the ATM will dispense cash to the user. This solution is provided and is fully integrated with Euronet’s Multi-Vendor Self-Service Software Suite.


Multi-Level Authorization

This enhancement expands the Dual Authority transactions to up to 6 levels of approval (i.e. 1 submitter and 5 approvers). For commercial banking transactions which require a person to submit a transaction request followed by at least one approver of the transactions, this functionality includes logic to require the appropriate level of authorization based on the amount and type of transaction.


SWIFT Wire Transfer

This enhancement provides an interface to SWIFT for automated straight through processing and submission of online wire transaction requests initiated via EIB. It eliminates manual reentry of EIB wire transfer requests into the SWIFT application and increases operational efficiency.


Integration with Prepaid System (IPS)

This enhancement provides registered Prepaid cardholders with access to functions such as card activation, load card from voucher, load card from another card, hot card reporting, balance inquiry and transaction history inquiries. Unregistered cardholders may view card balances, load the card from vouchers and view transaction history.

Retailer Transactions

This enhancement provides a specialized EIB website for Prepaid retailers to perform a limited set of functions relating to the cards issued to their customers. Functions available to retailer users include search for a card, activate a card, block a card and load funds onto a card.

Benefits

Better control and security

Benefits

Streamline workflow

Eliminate manual reentry

Benefits

Customer convenience

Benefits

Retailer convenience

Benefits

Convergence of ATM and online



One-Time Password

This extension of Euronet Internet Banking’s Two-Factor Authentication capabilities to the SMS channel provides an end-to-end low cost solution that does not require hardware tokens or third party vendors. A one-time password is generated during the two-factor authentication processing and is delivered to the customer via the Notify channel. The passwords may be generated by the ITM system or an interface to a third party system may be used. The one time passwords are expired within a configurable time frame.

Two-Factor Authentication Improvements

Several enhancements were made to the Two-Factor Authentication solution. The enhancements provide the ability to:

Assign multiple tokens per client

Waive Two-Factor Authentication requirement for mobile browser channel users

Configure a matrix of transactions which require two-factor authentication

User ID and Password Recovery

Two new options were introduced to the EIB login screen. In order to recover the User ID and/or Password, the user provides their personal information such as the card number/account number/citizen ID/external CIF Key and answers their security questions. They also should have previously registered an email address or mobile phone number. Once the user is validated, the User ID and/or Password will be sent to the registered email or mobile number on file.

Self-Enrollment

A self-enrollment option has been added to Euronet Internet Banking which enables users to enroll themselves for Internet Banking. This puts registration and management in the hands of the user and reduces customer service costs. Additionally, once registered for EIB, users are able to enroll themselves to the Access and Notify channels.

Batch Enrollment

A batch enrollment process allows enrollment of prepaid cardholders as EIB users based on data received in the issuer input maintenance file and default templates configured via the Euronet Software Solutions User Interface.

Masked Numbers

In line with PCI data security requirements, to protect sensitive card and account information, the card and account numbers are now masked on the EIB screens.

Download Formats

Users are able to download transaction history to a local application on their computer. Several download file formats are supported. This enhancement removed the following unsupported file format options:

QIF, Quicken 1998 and earlier

QIF, Money 1998 and earlier

This enhancement also added the new file format option below:

OFX version 2.1.1

Benefits

Improved security

Benefits

User empowerment

Benefits

Increase user satisfaction

Benefits

Cost savings

Improved security

Benefits

Streamline workflow

Benefits

Sensitive data security

Benefits




Server Certification

The Internet Banking server has been validated on Windows Server 2012 R2, Internet Information Services (IIS) for Windows Server version 7 and Microsoft Internet Explorer version 10 to ensure compatibility.

Customer Relationship Management Solutions

Cardholder Preferences Enhancements

Enhancements have been added to the ATM Cardholder Preferences functionality. Cardholders may now personalize up to 7 of their favorite ATM transactions. Details of each transaction stored include language, transaction, account, amount and receipt preference. Additionally, complex transactions such as bill payment and mobile recharge are now possible options for favorite transaction. Where a customer has more than one account of the same type, the account number is also stored as part of the favorite transaction. The cardholder may also choose to save a transaction as a favorite transaction upon successful completion of that transaction. Lastly, it is possible to save only a language preference without actually setting a favorite transaction.

Advertising Coupon

Through a partner solution and Web services functions, ITM is able to offer powerful CRM-based targeted marketing to the ATM delivery channel. In addition to displaying advertisements that match the cardholder’s profile, capturing customer feedback and delivering customized screens and receipts, ITM is also able to print a separate coupon receipt as part of the CRM-based targeted advertisement. This enables financial institutions to promote their products and services in a separate coupon receipt.

Recharge Solutions

PGS Server Certification

The Pramati Gateway Server has been validated on Windows Server 2012 R2, Microsoft SQL Server 2012, Java version 1.7 and JBoss version 7.1 to ensure compatibility.

WGS Server Certification

The Wireless Gateway Server has been validated on Windows Server 2012 R2, Microsoft SQL Server 2012, Java version 1.7 and Pramati version 6.5 to ensure compatibility.

Benefits


Benefits


Benefits

Tailored user experience to individual customers

Benefits

Cross-selling and advertising revenue

Benefits




Bill Pay Solutions

Thin Client Bill Pay

This is the final phase of the migration to Euronet Software Solutions User Interface, which provides a single client-centric consolidated user interface. Clients no longer need to install updates at individual workstations for the Euronet User Interface and can access all customer information in a single place regardless of the Euronet application.

Euronet Monitoring Utility Solutions

EMU Dashboard

The Euronet Monitoring Utility (EMU) Dashboard is a newly added feature that allows users to access ATM system statistics from the Euronet User Interface. It provides ITM system owners with the ability to view status and availability data from a single Web-based browser interface. Statuses that are viewable via the dashboard include:

ATM Status - Detailed view of ATM

ATM Cash Position - View of ATM cash position by preferred status

Nodes Monitoring - Nodes view by preferred status

Queue Statuses - View of number of ITM data and user queues

Summary Availability

Operational Alerts

This enhancement enables Notify to send operational SMS text message alerts as detected by the Euronet Monitoring Utility product. The ability to be notified on system events minimizes downtime and allows for a quick response from bank staff.

EMU Enhancements

The following enhancements have been added to the EMU solution:

Monitor new hardware devices

Enhanced user security

Additional alert message details

Selective distribution grouping

View only access rights

Resend of ATM unknown status

Monitor procedure group

EMU file/record cleanup

Benefits

Point and click user experience

Graphical representation of key ATM statuses

Benefits

Enhanced monitoring

Benefits

Single user interface for all applications

Benefits

Improve system uptime



Card and Network Solutions

Card Solutions

Card Inventory System

This new product is an add-on to our Credit, Debit and Prepaid offerings. The

product gives financial institutions better oversight of their individual cards

as well as bulk card stock. Individual cards can be tracked from creation to

activation, while bulk card stocks inventory levels are monitored and alerts

triggered when stocks fall below expected levels.


Multiple Form Factor

The card has taken on many forms in addition to plastic – sticker, virtual and

pseudo PAN to mention a few. This enhancement enables Multiple Form

Factor management ensuring all EMV transaction security keys and

transaction counters remain in place per form factor.

eCommerce Transaction

Limit

This is an enhancement to the existing ITM transaction limit processing. It

introduces the ability to set transaction limits for eCommerce and MOTO

transactions based on indicators received from the International Card

Organizations.

Overall Card Limit

While transaction limits can be tracked at the transaction type level, this

enhancement enables an overall limit regardless of the transaction type.

Issuers can now set a transaction approval limit that includes all transaction

types.

Benefits

Better oversight

Card information readily available

Operational integration

NEW PRODUCT!

Benefits

Flexibility

Current industry relevance

Benefits

Improved transaction monitoring

Tighter fraud controls

Benefits





Card Activation Fee

This feature allows customers to add an optional fee to be charged when the

card is activated. Activation of the card can be performed from any channel.

Status Card

Previously, various counters within ITM made the card unusable for reasons

such as exceeding the amount of invalid pin tries or CVV attempts within a

specified inactivity period. This new enhancement includes the ability to

change the card status automatically.

Integrated Credit Card Solutions

Cardholder Initiated

Installments

Cardholder or bank amortized installment repayment plans can now be setup

from the Euronet Software Solutions User Interface for credit card accounts.

This enhancement is aimed at increasing revenue as well as reducing and

managing delinquency.

The solution can also be used to introduce a fixed payment for portions of

the balance.


Islamic Card

ITM installment processing is enhanced to enable an Islamic credit product

where the monthly unpaid spend is automatically converted to installments

based on an existing Sharia agreement.


Benefits

Flexibility

Operational efficiency

Benefits



Benefits


Additional revenue potential

Better delinquency management

Benefits

Flexibility

Targeted market functionality

NEW PRODUCT!

NEW PRODUCT!



Integrated Transaction Management Solutions

Tiered Transaction Fees

This enhancement enables charging fees based on tiers as well as allowing a

specified number of free transactions.

Money Transfer

A Money Transfer engine has been added to ITM. It facilitates money

transfers domestically and internationally leveraging some of the best

practices of the International Card Organizations.

Features include the ability to add, retrieve, change and delete registration

entries for a sender card. In addition, this functionality can be integrated into

multiple touch points.


Benchmark Findings

With every ITM Point Release, we have continued to commit to conducting

measureable benchmarks, and implementing processing and operability

enhancements from the findings of our annual benchmark.

The most recent changes improved End-of-Day Procedure Control to make

systems available sooner. We improved the efficiency of SQL calls and

updated several programs to leverage the latest improvements in the IBM

OS.

Upgrade Process

Improvements

The Point Release upgrade process has been improved to both reduce down

time as well as conversion run times. These improvements are distributed as

part of the upgrade package.

Benefits


Improved fee functionality

Benefits

Improved functionality


Payment industry relevance

Benefits

Improved processing efficiency

Reduced end-of-day processing times


Benefits

Reduced downtimes during upgrades

NEW PRODUCT!



Mobile Phone Number

Identification

The mobile number is quickly becoming unique to the cardholder as well as

an important channel of communication between the financial institution

and its clients. This feature leverages the mobile number as the single point

of contact as well as an identification method of the cardholder.

Prepaid Solutions

Virtual and One-Time

Purchase Cards

This new product provides the ability to securely distribute required card

information to the cardholder to enable Internet or card not present

purchases. This product offers a feature that allows Virtual Cards to be

converted to other form factors. The ability to convert Virtual Cards allows

you to incorporate a card fee as an additional means of generating revenue.

In addition to the ability to provide Virtual Cards, the product is able to

generate One-Time Purchase Cards which address the unique need to have

a card for only one purchase. To ensure security, once the intended purchase

is completed, the card status is changed to a non-processing status.


Prepaid Browser Access

This feature enhances access to the Internet channel especially for

anonymous prepaid cardholders as well as registered Euronet Software

Solutions Internet Banking users.

Anonymous prepaid cardholders can now access their card balance and

transaction history without registering with the bank’s website.

Registered cards have access to additional prepaid information and more

card functions.

Reject Maintenance Screen

A new screen has been added to the Euronet User Interface to facilitate

online rejected transaction maintenance and re-submission. In the prepaid

business, transactions might be rejected for reasons other than processing

errors; for example, a batch file load that exceeds the allowed load limit for

the cardholder.

Benefits

Flexibility

Improved integration

Benefits




Benefits




Benefits



NEW PRODUCT!



Application File Processing

This feature enables the exchange of files between prepaid issuers and their

clients for the purpose of setting up new prepaid cardholders as well as auto-

enrolling the new clients in additional services, e.g., use of the Internet and

mobile solutions.

Batch Activate/Deactivate

Ranges or lists of card numbers can now be activated or deactivated from

one screen. This function is especially useful when multiple prepaid cards are

purchased or there is a compromise of card numbers.

Barcode Support

This enhancement facilitates the inclusion of a barcode on the embossing file

to be placed on the card. The enhancement does not create the barcode.

Voucher Support

Prepaid loads can be enabled by purchasing vouchers at retailers and then

loading the prepaid card. The solution interfaces to voucher management

systems.

Pseudo Pan

This feature supports card issuing by retailers and secures the prepaid card

number by using a pseudo number both in the online message and in Web

services.

Benefits



Benefits



Benefits




Benefits




Benefits






IBAN Support

Specific to Europe, the IBAN can be used to fund prepaid cards as another

option to funding using cash or another card. The feature assumes that there

is a channel for IBAN file exchange between banks.

Auto Enroll Notify, Access

and EIB

When creating a new prepaid client/card via the Euronet User Interface or

application file, default values can be used to automatically enroll the

cardholder in Notify, Access and EIB.

Multicurrency Prepaid

Wallet

This product allows up to 10 currencies to exist on one prepaid card with

individual balances per currency. Purchases done in the country of the

currency wallet are billed to that balance or transferred from the other

wallets as needed by the system using buy and sell currency rates.


Card Association Payment Solutions

Pulse D-PAS

In conjunction with Pulse, Euronet has developed support for the Pulse ATM

EMV support.


Benefits




Benefits



Benefits




Benefits




NEW PRODUCT!

NEW PRODUCT!



Enhanced EMV Support

Support for new chip functionality with M/Chip Advance and VIS 1.5 has been

added to the MasterCard and Visa EMV Chip solutions. Also, the MasterCard

and Visa EMV acquiring solutions are enhanced to report script commands

as an on-demand report utility.

UnionPay International

(Issuing)

Support has been added for UnionPay International (UPI) for card issuing

with a direct connection to UPI for online and settlement.


NSICCS

This enhancement provides acquiring and issuing support for the National

Standard Indonesia Chip Card Specifications (NSICCS), to the Euronet EMV

product line.


JCB Acquiring

Online acquiring and batch clearing interface support for ATM and POS

transactions has been added for Japan Credit Bureau (JCB).


Benefits



Benefits




Benefits



Region specific

Benefits

Improved acquiring functionality


NEW PRODUCT!

NEW PRODUCT!

NEW PRODUCT!



Web Services

CardholderInControl Web

Services

Two additional Web services have been added to the Euronet catalog to

support the CardholderInControl offering:

Change card status

Change transaction limits

Merchant Web Services

Three new Web services have been added to support access to merchant

information in IMS:

Merchant Payment history

List of settled merchant batches

List of existing Extended Payment Plans (installments) by merchant

Client and Card

Management Web

Services

Web services to support new client and card fields have been added to the

ITM database:

Multiple identification types can be created per client

Ability to create and assign a Pseudo PAN (an alternate numerical representation of the PAN to assist securing the PAN)

Request and assign an International Bank Account Number (IBAN) to the card

List all form factors associated with card

Request a new or replacement card/form factor

Prepaid Web Services

New prepaid Web services have been added to support new Prepaid product

functionality:

List prepaid virtual product types

Request and generate a prepaid virtual card

Prepaid multicurrency get currency rates request

Prepaid multicurrency currency transfer showing rate and fees associated with the transfer

Benefits


Cardholder service differentiator


Benefits


Merchant service differentiator


Benefits



Benefits





Money Transfer Web

Services

New Web services have been created to support use of the Money Transfer

product at other channels:

Add, change or retrieve Money Transfer sender registration information

Initiate Money Transfer transaction

Card Inventory

Web Services

New Web services facilitate the use of the Card Inventory functionality from

channels other than the Euronet User Interface. Each Card Inventory function

has a corresponding Web service:

Bulk stock inventory

Branch bulk stock inventory threshold limit

Individual card inventory including card status and whether the card was destroyed

Benefits



Benefits





Statistics

System Statistics

System Statistics

Dashboard

The System Statistics Dashboard is a portfolio of key performance indicators

(KPIs) displayed graphically. Banks and Processors alike are able to access the

dashboard via the Euronet User Interface, a Web-based browser tool that

provides visibility into the data that is generated from within their ITM

system. Customers can find the following features within the dashboard:

Card Statistics - number of cards issued based on product type

Merchant Statistics - number of active, dormant, low activity or closed

Transaction Statistics - number of acquired and processed transactions

User Statistics - number of mobile banking, EIB, alerts and ETB

Biller Statistics - active and inactive Bill Pay payees

ATM Statistics - number of configured ATMS

POS Terminal Statistics - number of terminals in-service and out of service

Volume Tracking Report

Enhancement

The Volume Tracking Report provides the user with a snapshot view of their

statistical data within their ITM system. The latest enhancements feature:

ATMs supporting RKL

Offline/Online mobile operators for Recharge

Telephone Banking lines

Active cards with an active balance

Cards with an account activation date

Cards used within last 30 days

Benefits

Accessibility via Euronet Software Solutions User Interface

Graphical representation of transaction volumes

Benefits

This report provides a more expansive view of your system



Contacts

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