PC/E Payment Services
Automation and process optimization for
transaction-based financial business
PC/E Payment Services
Process optimization of card-based transactions has long been a
concern for retail banks. With its scalability and industrialized processing
of payment transactions, PC/E Payment Services enables you to make
optimal use of your resources.
YOUR CHALLENGES
Banks are under tremendous pressure to operate profitably.
This means reducing costs and handling transactions efficiently.
| Banks need a flexible solution
for efficient handling of payment
transactions
Intensifying competition and market globalization are forcing retail banks to streamline their organizations and automate their
processes, including those related to the
electronic transactions that make up their
core business. Payment transactions, in
particular, have lost none of their significance in recent years, and retail banks
have realized that their profitability
depends to a quite large extent on the
cost-efficiency and highly available processing of these transactions.
| Efficiency in core tasks
Maintaining high profitability is essential
given the variety of new transaction types,
delivery channels and technologies. Yet
their rapid integration is often hindered by
outdated platforms. In addition, bank operations need to run without interruption. To
ensure protection adainst card fraud a risk
control system based on real-time information is a prerequisite. Faced with SEPA, the
EMV standard and the expectations of customers, retail banks must strive to make
their payment handling processes more
efficient, especially where cross-border
transactions are concerned. Retail banks
also need a multichannel architecture to
support similar processes independently of
the medium used.
The good news is: provided their core functions are designed efficiently and they
fully exploit their synergy potential, banks
can succeed in achieving attractive
margins for a calculable risk despite the
formidable requirements of good payment
services.
| Our solution: the functions
❚ Automation of card-based payment transactions and administration of all payment
cards across all delivery channels
❚ Routing and switching of authorization
requests to the various back-office
systems
❚ Authorization of EMV transactions
❚ Clearing and settlement of inter-bank fees
❚ Integrated, multi-level risk management
concept
| Efficient design of core banking
functions with PC/E Payment
Services
No matter what channel you use to provide
them, all your services should, where
possible, be implemented in an optimal
manner using the same process mechanisms, both within your network and in
interaction with other service providers.
This also applies to cross-border payment
transactions – and the key word here is
SEPA. PC/E Payment Services allows you
to standardize and automate services, so
that what used to be channel-specific
functions can now be reused in other delivery channels. And new channels and transaction types can be implemented quickly
and easily using PC/E Payment Services.
OUR SOLUTION – YOUR BENEFIT
| Strengthen your processes with our
software
PC/E Payment Services optimizes cardbased payment transactions along the
entire process chain: from data capture,
identification, routing and switching to
authorization via all types of delivery channel. These include, for example, electronic
transactions such as payments at the POS
or ATM withdrawals. Our solution supports
every type of payment card, including the
debit or credit cards of leading providers,
as well as a variety of procedures (e.g.
EMV), networks and host systems. The
value chain even includes downstream
processes such as settlement and interbank clearing. Thanks to its unique,
multi-level approach, our solution prevents
payment card fraud online and in realtime,
whether it is attempted via the terminal
devices or servers. PC/E Payment Services
helps you optimize your payment transaction costs while at the same time meet
your customers' requirements for security
and performance.
| High availability and performance
Scaleable and highly flexible, our solution
can easily be adapted to your individual
bank processes. That offers you a decisive
competitive advantage: high availability.
Integrated, multi-level fault tolerance is
ensured by the heart of the handling
process, the payment server. It functions
as a separate level between the terminals
and the backend systems, guaranteeing
the availability of the systems and the
information they contain. The system's
high performance enables fast processing
of increasing transaction volumes. The
choice of the shortest path in transaction
processing ensures that routing to the card
providers, processes and internal systems
is handled efficiently and with low levels
of redundance.
| Your benefits at a glance
❚ Enhanced efficiency thanks to
optimized processes for all payment
transactions
❚ Shorter development times and rapid
launch of new solution components
❚ Cluster server architecture offers
integrated fault tolerance
❚ Industrialized transaction processing
lowers costs
Credit card
| Optimal handling of card-based
transactions across all channels
Since many consumers pay with cards,
financial service providers are increasingly
under pressure to integrate card-based
transactions efficiently in their overall
concepts to optimize the related processes. This applies to payment transactions
across all channels – including the Internet
and mobile banking.
If these services are currently handled by
external providers or processed in technical silos, you can change that with the
SOA-based multichannel architecture of
our software. PC/E Payment Services can
help your institution exploit synergies and
implement all cashless-payment options in
a centralized IT architecture, thus simplifying and modernizing payment processing
in its entirety.
| Identifying and preventing fraud
Our solution provides multilevel protection
against attempted fraud in international
electronic payment transactions. Real-time
information is gathered from transaction
processing on all payment cards and
channels to help intercept and isolate
manipulated transactions. This not only
helps you improve the profitability of your
systems, but also reinforces customer
confidence and bolsters your image as a
secure payment services provider.
Debit card
Host
The payment server
functions as a separate
level between the
terminals and the
backend systems,
ensuring the availability
of the systems and
the information they
contain.
PC/E Payment
Server
Self-service
POS
Internet
Front office
Call center
Our solution's great flexibility means rapid integration;
its high performance and protection against manipulation
and attempted fraud enhance customer confidence.
and utilize them successfully for marketing
and sales.
E X PA N D I N G T O M E E T T H E F U T U R E
| A uniform architecture with
intelligent business services
PC/E Payment Services enables efficient
automated payment transaction processes. The modular design of our PC/E Suite
means you can combine and use it together with other software products. Thus, in
combination with PC/E Self-Service you
can obtain routing, authorization and
transaction handling functions for all your
systems. The net-centric software solution
enables you to integrate self-service
systems – a popular point of contact for
customers – in a multichannel architecture
What's more, integration is possible with
the flexible software collection ProClassic,
which provides a wide array of self-service
functions and attractive user interfaces for
the operation of your entire, heterogeneous self-service landscape.
To ensure that you enjoy the full benefits
of this software, we advise you right from
the very start. And Wincor Nixdorf’s
Professional Services will guide you
through every stage of your IT project!
Intelligent software means
improved processes
The PC/E Retail Banking Solution Suite
offers you an IT architecture that
optimizes your sales and service
processes in the front office, for a
decisive edge that ensures a successful
future.
OUR PC/E SUITE
| New IT concepts for retail banks
The sector: The main pillars of traditional
banking business are crumbling; their
profitability can no longer be regarded as
stable, let alone rising. This is due in part
to flexible customers, who are quick to
change banks when they have a better
offer elsewhere. Market liberalization
makes this flexibility possible; thus, the
winner is the bank that succeeds in
appealing to consumers' emotions and
staying one step ahead of the competition.
However, the generally complex, heterogeneous IT architecture of most financial
institutions does not support this strategy
or the processes it requires.
| PC/E Retail Banking Solution Suite:
new momentum for sales and service
Your chances on the market hinge upon the
right strategy. Front office service and
sales play a key role, and here our modular
PC/E Retail Banking Solution Suite covers
a wide array of topics. What are the
strengths of this software package? It
concentrates completely on the front office, enabling the transformation of your
business processes and the associated IT
architecture into a future-proof retail
banking.
| The modular software suite that lets
you do more
Channel Delivery comprises solutions
for retail banks' delivery channels, making
all your processes uniform, transparent
and holistic for your customers, whatever
channel they use.
Banking Business Enabling consists of
modules for the sales and service processes of all these channels. Thanks to its
multichannel concept, these business
processes can be flexibly integrated.
Management & Optimization shows
you how Wincor Nixdorf manages and
optimizes retail banking processes and
reduces operating costs.
Security offers a holistic security
strategy that protects a retail bank’s IT
systems and networks as well as its internal and external communications.
| The PC/E architecture – open to the
future
Our solution is based on an open, netcentric multichannel architecture that is
designed to be service-oriented. Individual
modules, called Business Services, can be
used in any channel. This enables you to
customize your retail bank's business
processes.
Added value from an IT perspective ...
❚ Reusability
❚ Rapid integration
❚ Expandability
Added value from a business perspective ...
❚ Increase in profitability
❚ Reduction in costs
❚ Investment protection and futureproofness
❚ "Emotionalization" of retail banking
From the very first draft, our Professional
Services support you with well-founded,
precise consulting. In the case of IT
integration, this can range all the way to
outsourcing.
Published by
Wincor Nixdorf International GmbH
Heinz-Nixdorf-Ring 1
33106 Paderborn, Germany
Phone +49 (0) 52 51 / 693 - 33 01
Fax +49 (0) 52 51 / 693 - 59 18
www.wincor-nixdorf.com
info.banking@wincor-nixdorf.com
© Wincor Nixdorf International GmbH
All product names are registered trademarks of
Wincor Nixdorf International GmbH.
All rights reserved, particularly in relation to the grant
of a patent or the registration of a utility model.
Subject to availability and technical modifications.
Order-No. R-11012-J-Z740-1-7600
Printed in Germany, January 2010, w