NORTH AMERICA COMPANY AND PRODUCT OVERVIEW

TANGO BUSINESS FRAMEWORK CORE ARCHITECTURE

1999 2002 2009 2010 2011 12-13

Timeline of Events

Lusis formed TANGO

Launched

Lite POS and Booster

Launched

cv

Major Global Processor

Major European Processor

HP Agreement

Major North American Bank & Indian Processor

TANGO port to HP NonStop

Lusis Payments Formed

OVER 50 INSTALLATIONS ACROSS THE GLOBE

• Experienced payments company

• Implementations and Migrations: Large scale Managing the risk of change

• Strong technical R&D: SOA design Speed To Market Flexibility

• Global partnerships and alliances: Creating greater value, maximizing return on investment

Experience and Credentials

4

cv

Major European Processor

• South African national switch (SA Switch)

• 2 bn transactions per year, BASE24 on HP NonStop

• Evaluated 6 vendors:

ACI Distra Lusis Openway Opus S1

• Selected TANGO because:

-functionality exceeded -SOA flexibility

-configurability -integral data replication tools

-real-time monitoring -tracking and tracing tools

-licensing and fee model -SDK promoted self-sufficiency

• Pilot proved rapid development and deployment

• Real-Time Clearing (RTC) included in migration

• Production rollout complete March 2013

BankservAfrica

• Pan-Nordic merchant and banking clients • BASE24-atm system driving 900+ NCR & Wincor NDC+ devices • RFP full due diligence – Lusis selected from shortlist • TANGO replaces BASE24-atm on HP NonStop • Migration project includes pilot • Switch over mid-2013 • Partners add value: -EPSCI ATM screen configuration -T3 migration simulation and test tool

European Processor

• Part of Groupe BPCE #2 in France

• 10,000 ATMS 100,000 POS 5 m transactions per day

• TANGO on HPUX with Oracle, providing:

- ATM acquiring front office management

- Withdrawal and payment transactions, issuing authorizations

- POS acquiring front & middle office solution

- e-commerce acquiring solution

• Global solution for all BPCE banks, subsidiaries and partners

• 2 months to integrate the first Partner Bank

Under 2 months to deliver new functions

- cash deposit

- mobile phone top-up

- contactless transit top-up

Caisse d’Eargne

• Global leader in behaviour-based marketing and promotions

• Tier 1 retail clients:

Safeway Ahold Carrefour Sainsbury Intermarche Walgreens

• Logs 300m transactions per week for 25,000 supermarkets

• Tracks purchase history of 90m US households

• Issues 4.5bn customized, promotional offers per year

• TANGO is white-labelled within Catalina managed service

• Deployments vary: - Safeway runs at peak 500tps in Linux SUSE SLES 10 with Oracle

• Catalina implements and provides level 1 support

• Continuous innovation is collaborative process

Catalina Marketing

• Largest retail bank group in France

• Monecam merchant acquiring business

45,000 merchants 800m transactions per year

• TANGO on Linux with MySQL, plus AIX with Oracle

• Novendo:

- LitePOS terminal management

- Booster loyalty application

• Square Connexion e-Marketplace:

- CA cardholders

- Local merchants

- Community groups

- UPS Logistics …

Credit Agricole

TANGO A mission-critical transaction processing system for acquiring, routing, switching, authenticating, and authorizing transactions across multiple channels including ATM, POS, e-Commerce, and Mobile.

COMPANY BUSINESS FRAMEWORK CORE ARCHITECTURE

• TANGO is a fully-functional solution for all payment transactions

• Payment transactions acquired from a range of delivery channels for: - Routing / Switching - Authentication / Authorization

• Controlled by configuration parameters that are: - Stored in the database - Easily modified via web browser UI - Dynamically reloadable with no interruption to service - Integrated fraud detection rules - Real Time and Near Real Time - Configurable from both Acquirer and Issuer perspective

TANGO Payment Solution

• Extensive authentication and authorization algorithms

• Logically structured in modular units

• Authorization based on multiple criteria

• Card Type

• Transaction Type

• Transaction Origin

• Limits and Accumulated Usages

• Available Funds

• Support for latest industry standards

• EMV

• E-payment specifics (VbV, SecureCode, OTP, etc.)

TANGO Payment Solution

High

Ava

ilabi

lity

Core

Arc

hite

ctur

e

Business Framework

ATM

POS

Mobile

E-Commerce

Authorisation and Issuing Clearing and Settlement Acquiring

Routing

Switching

Loyalty

Fraud Control Net

wor

k Co

nnec

tions

Web

serv

ice

API’s

Larg

e Re

taile

r

Chan

nel M

anag

emen

t

Tran

sact

ion

Supp

ort

Smal

l Ret

aile

r

Card Schemes Networks Issuing Host

Fraud Control

Financial Authorisation

+ Management

Card + Account Management

Inbound and Outbound

Reconciliation

• System configured with only the required functional components

• Easier to monitor

• Lighter footprint

• Easier to maintain

• Easier and quicker to add new channels, transaction types, etc.

• Swift reaction to industry initiatives and regulations

• Regression testing cycle is shorter and more focussed

• Faster time to market

• Reduced cost of implementing new functions

• Flexibility of configuration promotes innovation

• Differentiate for market share

• Improve customer experience

• Enhance brand image

Acquiring Benefits

• Powerful routing capability using transaction or configuration data

• Based on highly configurable, granular controls

• Stored as business functions or held in tables accessed via TANGO web browser UI

• Minimizes coding, maximizes speed to market of new rules

• Integrated fraud detection

• Real time rules

• Near real time rules

• Integrated, multi-channel loyalty and instant promotion offering

• Real time advice broadcast to external systems

• Settlement

• Reporting

• Web browser UI to inquire on cards, accounts, activity

• Management dashboards to monitor network interface SLAs

Authorization and Issuing

• For financial institutions, the ability to develop new interfaces swiftly to connect to networks and external systems is key to its business

• TANGO integrates easily with other networks and systems

• Quickly with minimal development time

• Using the most appropriate communication method:

• Industry-standard online protocols (ISO 8583, XML, etc.)

• Industry-standard batch protocols (APACS29b/50/70, etc.)

• Card Scheme protocols (Visa, MasterCard, Amex, etc.)

• Web Services

• Lusis-designed, TANGO APIs (Java, C++)

• Proprietary, in-house formats

Switching

APIs

• TANGO can easily integrate with external applications using existing components when no other connectivity method is available or appropriate

• Providing Perl and Python libraries and C, C++, XML and Java APIs

• The Java API for example:

• Interacts with Java applications by building hybrid Java objects

• Uses JCA as the Java layer for implementation

• The exchanges between TJ_CLI and the other EJBs are defined by standard JCA system-level contracts

• Messages exchanged between the AS and the EIS are in native TANGO format

• The TANGO Dispatcher routes messages sent to it by TJ_SESS to the appropriate destination service.

• TANGO High Availability solution

• Active/Passive or Active/Active

• Standard TANGO components

• Fully integrated with TANGO architecture and technology

• Application-level messaging

• Cut-down advice messages over SSL link

• Easier to control, manage, and re-route if necessary

• Reduced complexity and cost

• No 3rd party product to integrate

• Single technology and architecture

• Lower implementation and maintenance costs

High Availability

Core Architecture

COMPANY BUSINESS FRAMEWORK TANGO

20

Core Architecture

Log Server Hypervisor Trace Server

Dispatcher Web Services IN

Web Services OUT

Technical Function Z

Business Function B

Technical Function Y

Business Function A

Dispatcher And

Data Bus

The Core Design Provides Flexibility

Classical approach

Software changes in one place will impact a

lot of different modules - adding a field in one message causes most of the application to be recompiled and re-linked

LUSIS BUS + SOA approach

Only directly impacted modules have

to be enhanced. There is no need for a full validation of the application

crypto

ATM1

POS1

NET 1

NET 2

POS2

ATM2 CORE access controls authorisation

CA

crypto

ATM1

POS1

NET 1

NET 2

POS2

ATM2 B U S

Auto

AC

Thank You!

22

YOUR NORTH AMERICAN LUSIS PAYMENTS REPRESENTANTIVE

BRIAN MILLER VP & GM for Americas

(415) 829-4577

Brian.Miller@lusispayments.com

www.lusispayments.com