Payment and electronic identity solutions

X Infotech Banking

WWW.X-INFOTECH.COM

Our software payment and electronic identity solutions for banks and financial institutions ensure outstanding performance: digital payments, digital identity, biometric enrolment, customer authentication and KYC, EMV cards personalization and issuance.

About

Customer Identity• Enrolment• Identity Management • AFIS/ABIS• Biometric Verification

Card Personalization• EMV Data Preparation• Key Management System• Chip Encoding• Secure PIN Manager• EMV Certificate Authority• Production Management • Instant Issuing• Stock Management

Process Management• Integration Services• Card Lifecycle Management

Our Products

Solutions Benefits• Fast time to market• Flexible• Easy to integrate and modify• Vendor independent• Possible to extend functionality• Secure and industry-proven

Digital Payments• Payment switch• Card payments• Instant payments• QR code payments• Tokenization• Electronic bill payment &presentment• Mobile payments• Agency banking

Acquiring Management• Terminal Management System• Merchant Management• Merchant Portal• E-commerce Payment Gateway• Smart POS firmware• Merchant SoftPOS Application

Digital Identity and Authorizations• Digital onboarding• Secure Mobile-ID

Our Customers• Central banks • National and international switches• Retail Banks• Financial Institutions• Personalization centres• Technical service providers

Digital payments

X Infotech Omni-channel Switch module provides transaction switching capabilities between connected banks and parties for financial message processing. Financial messag-es can be processed over ISO8583 or ISO20022 protocol.

Payment switch

• Standard Omni-channel Switch module ISO8583 and ISO20022 supports comprehensive security mechanisms to provide reliable and secure end-to-end encryption and message code authentication to the connected parties.• In case of integration over an existing protocol dialect Omni-channel Switch can support any other encryption and security scheme through customer implemen- tation of the protocol specification.• Omni-channel Switch module can be configured to support the omni-channel API provisioning to publish all available OMNI-CHANNEL APIs through the ISO8583 protocol.• The standard Omni-channel ISO8583 protocol supports payee verification and validation mechanism before processing the financial transaction.• Omni-channel Switch module enables payment transaction initiation from any end-customer available electronic channel (Internet bank, Smartphone, USSD, ATM, etc) toward any payment recipient like person, merchant, bank agent or government institution and processing all task and payment types.• PA DSS certified product to ensure the highest security requirements in the payment industry.

Features

X Infotech QR code payments solution is a complete solution for QR code (and Merchant ID) issuance and for merchant (C2B, C2G) business initiatives of Person to Person (P2P) and Remittance Business acquiring using Mobile Applications, SMS and e-commerce.X Infotech QR code payments solution enables merchants to accept electronic payments using QR codes.

X Infotech QR code payments solution supports the following functionalities:• QR code generation for particular merchants, transactions and customers;• QR Code based payments support;• Support of Masterpass QR and VISA QR• “QR code emulation” for USSD

QR code payments

• A merchant can have a unique QR code printed out in visible space (or generate one on the fly in merchant app or on a cash register screen), which an end user can scan with his smart phone to initiate a transaction.• A merchant can provide a QR code containing information to its customers, which an end user can scan with his smartphone to initiate a transaction without entering an amount and other payment details.• Each merchant can have a unique number – like a phone number in a lookup table – which is publicly displayed and can be used by end user to initiate a manual transfer of funds.

Features

Tokenization will enable Bank Merchants to run electronic payment operations without handling a raw card data by replacing sensitive payment data with a unique identifier (token) that cannot be mathematically reversed.

Tokenization

• Can tokenize all the major card brands including Visa, MasterCard, Discover, American Express, JCB, and more. It even tokenizes eCheck and direct debit.• Supports creation, retrieval, update, and deletion of tokens in bulk.• Provides a profile-based token management for full control over configuration options. • Supports Payment network tokens, Non-card payment methods like eCheck and direct debit, additional customer data fields and multiple token formats. • One to one PAN or primary account number matching to-token. • Alias assignment to every token in customer eWallet mobile bank or internet bank. • Provides Token lifecycle management capabilities.• Provides reports of tokens created, updated, deleted, and so on, within specific date period and Merchant type. • Supports RESTful API. All Token Management related API calls are exposed through the X Infotech Omni-channel platform Integrations & APIs support module.

Features

X Infotech Omni-channel platform Bill payment module supports payment aggregator functionality for providing P2B, P2G payments, process payment transactions to the billers and billing aggregators.

Electronic bill payment & presentment

• Bill presentment Bill presentment functionality allows to query the biller system for the customer bills based on the customer account number or any other identifying information within the biller system and forward this information to front end applications through the omni-channel API.• Bill payment Bill payment functionality allows to initiate bill payment transaction. Bill payment transaction can be performed for a pre-paid service or post-paid service. In case of post-paid service, a front-end system must first request bill presentment to find the customer bill in the biller’s system.• Flexible bill payment Flexible bill payment allows a customer to pay the bill in partial payments or instalments. This type of bill payment is used in case of post-paid bills where bill presentment is supported by the biller system and biller allows payment of bills in partial or instalment-based mode.• Bill deferral Bill payment module bill deferral mechanism allows customer to request bill deferral from the biller or to request bank to issue a short-term loan to the customer for the payment of the bill. Bill deferral applies to post-paid bills.

Features

Digital payments

X Infotech Mobile Gateway is an automated system for services provision via mobile communication channels (SMS, USSD) or Internet channels (XML or JSON requests). The software solution delivers multiple benefits to end-users, providing mobile access at any time and place. Mobile Gateway supports mobile banking or other on-the-go service deployment. Usually Mobile Gateway is supplied together with the X Infotech SMS Centre solution to perform business operations via mobile channels.

Mobile payments

• Simple and fast information distribution via SMS and USSD messages.• Mass mailing projects with guaranteed delivery.• Extensive deployment facilities via mobile applications for Apple IOS, Google Android and Windows.• Flexibility to support a wide range of incoming protocols (SMS/USSD requests via SMPP protocol, XML/JSON or SOAP protocols).

Features

Omni-channel Agent module is an all in one system for bank agent enrolment, adminis-tration and management in a private or shared environment where different FSPs and Banks can utilize the same system for agent management and agent transaction process-ing.Agency banking system functionality is aimed to deliver improved customer experience for cash deposit & withdrawal, airtime top up and third-party payments functionality at agent location. All the supported omni-channels can be utilized for agent transaction processing such as POS, USSD, mobile app.

Agency banking

Digital payments

• Payment processing for all necessary acquiring operations supporting traditional payment cards and new payment methods like Apple Pay, Samsung Pay, QR and NFC payments.• POS Concentrator approach support allows to avoid connecting multiple POS to HOST from various POS.• Each connected POS monitoring with several parameters collected online.• Remote key loading – a fully automated terminal preparation process, including remote key loading and one-click payment settings download on the client side.

FeaturesX Infotech Terminal Management System is a centralized management and monitoring system based on multi-vendor devices like POS and SmartPOS. It is developed on X Infotech Omni-Channel Platform (OCP) components. All the Terminal Management System functions have web-based user interfaces for terminal administration and activity monitoring.

Terminal Management System

• Modern Web-portal for Merchant Management operations configuration and daily activities.• Adjustable system for different national markets and regulatory compliance, including KYC policies and national ID registry integration.• Real-time merchant transaction history, current balance and operations monitoring and reports.

FeaturesX Infotech Merchant Management is a system for collecting, storing and manag-ing merchant data. The standard functional of Merchant Management includes commission configuration, mutual payment settlement, support of complex multi-level merchant hierarchies, transaction processing rules and many other functions.

Merchant Management

Acquiring management

• Contactless (NFC) and QR payment method support.• Android OS support.• Security standard compliance including PCI DSS.

FeaturesX Infotech Merchant SoftPOS application is a payment application for merchants enabling contactless payments directly on their smartphones. This is a native cost-efficient solution for small merchants for payment card accep-tance in their businesses.

Merchant SoftPOS Application

• Possibility to use biometrics (face image, fingerprints) for payment processing authorization.• Various payment methods accepted (eg. QR payments or local schemes).• Fast and easy addition of extra functions (eg. bill split or automatic tip calculation).

FeaturesX Infotech develops Smart POS application based on Android OS. SmartPOS application includes not only traditional POS application payments, but also QR payments, on-boarding, loyalty, more comprehensive reports and many other functionalities. SmartPOS payment application supports POS vendors like Sunme, Castles, NexGo. SmartPOS is the best way to start building custom-ers’ own acquiring ecosystem to attract more merchants and transactions.

Smart POS firmware

• Adoptive design provides seamless user experience over multi-platforms.• A bank can manage Merchant Portal secure access, user access settings, user access rights (full access, read-only full data, read-only limited data).• A flexible integration with bank’s existing acquiring infrastructure.

FeaturesMerchant Portal is a self-service web portal for merchants allowing to track success and transaction history. In this dedicated web-based portal merchants can view comprehensive reports on all incoming and outgoing processes. Merchants are able to follow the success of different branch and counter success, see full transactions list, void/refund and turnover reports.

Merchant Portal

• Payment Gateway provides several methods for online merchant website integration with a payment gateway: with a hosted payment page or direct API.• Merchants will be allowed to use a dedicated Sandbox function for learning, training and testing integration with the payment gateway.• Support of various payment interfaces, including dialects based of ISO8583 or ISO20022.• QR payment support for e-commerce.• 3D Support.

FeaturesX Infotech E-commerce Payment Gateway is a payment processing solution for merchants via e-commerce channels. E-Commerce Payment Gateway supports a full cycle service for e-merchants starting from merchant onboarding, transaction support or settlement to merchant accounting via selected channels.

E-commerce Payment Gateway

Digital identity and authorizations

Digital onboarding is a convenient and effective way to enrol new customer.With the right onboarding process the bank can increase operational efficiency and reduce costs, mitigate risks and ensure compliance, enhance customer engagement and communications.

Along with Digital Onboarding Solution, X Infotech offers Video Customer Identification Product perfectly aimed to optimize daily services and to reduce in-line waiting time for customers.

Digital onboarding • Better customer engagement.• Secure digital process of enrolment.• Applicability of captured data for future daily digital customer authentication.• Improved customer experience.• Faster access to banking services.• Possibility to switch between in-branch and online onboarding.• Reduce paper usage and document loss.• Reduced cost-to-serve.• Minimization of fraud and human error.• Improved operational effectiveness and efficiency.• Reduced failed client acquisition.• Data application for Strong Customer Authentication in daily digital operations.

Features

X Infotech Secure Mobile-ID is a PKI-based solution for digital authentication and digital signing via Secure Mobile-ID app installed on smartphone or tablet device.

Secure Mobile-ID • Unique user experience - real-time instant access to digital services, easy-take for customers.• High level of security - PKI and cryptographic schemes are used.• Strong KYC tool - enhancing security of real-time payment and transaction platforms.• Solution can be used for provisioning qualified trust service and creation of qualified electronic signatures and solution meets the requirements set for qualified electronic signature creation device.• Single solution for multi-purpose authentication - banking, payments, online shopping, eGovernment.• No special-purpose hardware is needed.• Multiple device support.

Features

• Flexible and configurable interface for identity management. • Integrated data storage for various biometric modalities (e.g. face, fingerprint, iris etc.).• Additional level of security against illegal access to sensitive data.• Unlimited expansion possibilities to address evolving client needs for multi-modal biometrics and increasing biometric record volume.• Vendor independent platform to give greater flexibility and deploy different biometric search engines in a single solution.

FeaturesX Infotech Identity Management handles customer identity based on biometric data. The Identity Management solution consists of a biometric registry, a verification service to perform biometric verification 1:1 or 1:F and a capability to integrate with different biometric search engines and AFIS/ABIS systems.

The Identity Management solution provides a graphical user interface (GUI) for identity managers who control and resolve identity conflicts (e.g. duplicated records, people with similar biometric data etc.).

Identity management

• Scalable enrolment to adjust the type of data captured and ensure compatibility with different biometric systems.• Effective process control to lower the risk of human error (automated biometrics quality validation).• Highly secured environment with data encryption and communication via secured communication channels.• Flexible integration with a central application management system for data synchronization, validation and export.• Vendor independent platform to give greater flexibility when selecting hardware.

FeaturesX Infotech Enrolment is a software solution for capturing customer data – both demographic and biometric data (fingerprints, facial image and handwritten signature).

The comprehensive solution supports relevant customer data collection for financial and non-financial card product issuance. It is also used to enrol customers for biometric authentication services.

The efficiency of a biometric system entirely depends on the quality of the biometric data, X Infotech offers an integrated quality control component to capture high-quality biometric data in line with the industry standards and the best practices.

Enrolment

Customer Identity

Customerdata input

Face photocapture

Fingerprintcapture

Handwritten signaturecapture

Selection of the PIN

Creation of Enrolment record

Standard Enrolment Process

• Supporting multiple biometric modalities - fingerprints, face image, iris.• High accuracy of matching algorithms ensured in a number of international projects. • Scalable architecture to increase matching speed (up to 100 000 000 fingerprints per second on server).

FeaturesX Infotech AFIS/ABIS is a biometric authentication solution which provides fast and precise identity checks on large scale biometric databases. The ready-to-use software solution provides effective means for identity verification and de-duplication control.It can process, search, store and retrieve biometric templates and records in real time.

X Infotech ABIS is an extension of the Identity Management solution.

AFIS / ABIS

• Flexible deployment to support verification of multiple biometric modalities.• Scalable solution to adjust necessary data fields (personal data - ID number, document number etc.).• Face liveness detection feature to ensure that the user is a real person.• Additional level of security against illegal access to sensitive data.• Compliance with legal requirements, industry practices and recommendations.

FeaturesX Infotech Biometric Verification is a software platform that validates the identity of a client based on biometrics such as fingerprints, face recognition and dynamic signatures. Access rights to financial services are manually granted by an operator or processed through an application.

The vendor-independent solution permits clients to deploy any technology or product for operator workplaces, mobile workstations or customer mobile devices.

X Infotech Biometric Verification is integrated with the Identity Management solution that serves as a centralised biometric data storage facility and processes all verification requests.

Biometric Verification

Customer Identity

Deployment Scenarios

Mobile Appfor Android OS

Stand-alone application for Windows OS

WCF Service for externalapplications

Card Personalization

X Infotech EMV Data Preparation performs data preparation for all types of EMV smart cards issued for international networks or local projects. The solution supports advanced smart card technologies - contact and contactless interfac-es, mobile and multi-application environments, and post-issuance manage-ment of applications. X Infotech EMV Data Preparation receives card applications and cardholder profile data, keys and certificates from multiple sources. Prior to card personal-ization, data is checked and prepared according to a defined setup.

EMV Data Preparation • A fully automated, high-speed data preparation solution to enable fast and easy card production.• Flexible functionality to adapt and configure the solution according to customer-specific requirements.• Compatibility with third parties to permit seamless integration with an existing environment and personalization system.• User friendly interface to provide effective management of multiple card or personalization profiles.

Features

X Infotech Key Management System provides all the necessary functional-ity for secure generation, handling and transportation of cryptographic keys and certificates. The system manages highly sensitive objectives, in compliance with strict security standards.

All cryptographic calculations are performed by dedicated crypto-proces-sors built in a certified HSM appliance.

• Secure system to support centralized and highly secure management of cryptographic keys. • Intuitive user interface to permit easy configuration, management and auditing.• Deployment of Hardware Security Modules (HSMs) to protect sensitive objects and minimize any information loss or breach.• Open standard architecture to enable and facilitate vendor interoperability.

Key management system Features

X Infotech Chip Encoding receives input data from the Data Preparation solution and virtually carries out chip encoding according to a payment card’s profile and following dedicated chip personalization routines.

The solution is based on an open architecture, supporting any chip and personalization equipment. X Infotech Chip Encoding enables chip card personalization to be performed simultaneously on multiple small or large-volume personalization machines.

• Flexible infrastructure for easy system integration and configuration. • Compatibility with third party vendors to support integration with an existing smartcard production platform.• Extensive facilities to encode contact and contactless EMV chip cards.

Chip encoding

Features

Batch Processing Data input and encoding separated by stepsUser case: high-end personalization machines and multiple personalization bureaus

Single StepData preparation and chip encoding in a single stepUser case: various personalization machines (desktop, mid-range and high-volume)

X Infotech Secure PIN Manager is an all-in-one solution for PIN generation, secure printing of PIN envelopes and PIN Tabs as well as different modes for PIN distribution. The flexible infrastructure permits PIN distribution and synchronization between multiple systems. The PIN management solution implements strict access control and secured communication channels for data transmission.

Secure pin manager • Secure system to provide multiple ways of PIN value generation.• Flexible choice for PIN printing: remote or on-site facility.• PIN block generation and encryption, supporting the best known PIN block formats.• Compatibility with third party vendors to support different data preparation solutions.

Features

Remote PIN PrintingPIN blocks are transferred to a separate branch for PIN envelope printing.

Local PIN printingThe bank or financial organization can immediately print PIN on site.

X Infotech EMV Certificate Authority (EMV CA) is a root certification author-ity for issuing EMV smart cards on a local scale, without the necessity of interacting with such international payment organizations as VISA, MasterCard etc.

The software solution permits banks and financial institutions to build a dedicated in-house PKI environment for EMV compatible card issuance.

• Dedicated environment to issue local payment cards without an external certificate authority.• Generation and storing of self-signed Root Certificates in a highly-secure environment.• Certificate issuance for multiple EMV Issuers as part of a single or multiple payment scheme.

EMV certificate authority Features

X Infotech Production Management enables banks, personalisation service bureaus and financial organizations to manage the complete production process of financial and non-financial smart cards. The modular system offers advanced monitoring and workflow management features, supporting the entire production lifecycle - data retrieval, data preparation, quality control, stock management and distribution manage-ment. The open and module architecture permits clients to extend and configure production flow according to their specific project needs and requirements from third party systems and hardware vendors.

• Complete production management of financial and non-financial cards - from data import to stock management and reporting.• Production monitoring in order to control distribution of requests to personalization machines.• Superior control of production status, card quality procedures and stock.• Support for mag-stripe, contact and contactless chips, third-party equipment and systems.

Production management Features

Card Personalization

In this highly competitive market, banks and financial organizations need to optimize processes and deliver new attractive, value-added banking services. Instant issuance is an example of how banks move from traditional issuance to card production directly in a branch or a card issuance office. X Infotech Instant Issuing is a complete software solution that consists of several X Infotech components (data preparation, card personalization, cryptographic processing and chip encoding) dedicated to instant card issuance in real time. The user-friendly interface permits operators to design and produce fully operable debit or credit cards within a few minutes, deliver-ing maximum convenience and benefits for the end-user.

Instant issuing • Compliance with PCI DSS standards, Visa and MasterCard security requirements for instant card issuance• Flexible architecture for easy integration within an existing infrastructure and procedures• Easy and simple to use system for instant card production• Payment card production tracking to generate status reports at every step of the personalization process

Features

X Infotech Stock Management provides complete tracking of blank, printed and damaged cards. The software solution is integrated with the Production Management and Instant Issuing solutions, providing numer-ous event registration facilities on each stage of card production. The system keeps a complete history of each movement between stock locations. The easy to use client interface provides functionality to import or manually input card products, manage consumables and stock locations. The solution ensures full compliance with strict regulations for card stock management.

• Flexible configuration for stock, workflow and products via graphical user interface, without programming. • Card production tracking in real time by product type, customer, serial number, stock location, date or any custom product attribute.• Complete stock tracking down to actual location and status of an individual card.• Complete card movement audit log.

Stock management

Features

BENEFITS FOR END USERS

• Exceptional Customer Service Customers can customize their personal features (photo, co-branded logo) and receive the card immediately, reducing the risk of lost or stolen cards at the mailing stage.

• Instant Access to Funds Customers can activate and use the card immediately. When the card is sent by mail, the likelihood that the customer immediately starts using the card decreases.

BENEFITS FOR FINANCIAL ORGANIZATIONS

• Increase in Turnover Instant issuance will likely increase a bank’s turnover and maximize annual customer spending per each immediately issued card.

• Cost Optimization Instant card issuance guarantees cost optimization. There is no need for expensive encryption devices, high-volume personalization and mailing machines.

Card Personalization

• Compatibility with other X Infotech products.• Interaction with external repositories to augment or store applications.• Support File, HTTP, SOAP, MQ, FTP, WCF interfaces.• Centralised event log generation.

FeaturesX Infotech Integration Services is a middleware module that links together banking systems and X Infotech products, acting as a coordinated whole.

Integration Services enable banks to process collected client or card registra-tion applications through various external systems in order to verify applica-tions or add additional information before card personalization or client registration.

This solution allows banks to connect X Infotech products to banking systems without making changes in existing interfaces. It also improves overall security, as distributed systems communicate with the central system through a single point.

Integration services

• Complete card lifecycle management from the application stage to post-issuance activities.• Ability to interact via multiple communication channels.• Multiple security mechanisms to control access rights, including follow 4-eye principle.

FeaturesX Infotech Card Lifecycle Management handles the entire lifecycle of smart cards, tokens and their applications, starting from data preparation and application personalization to post-issuance activities - issuing, re-issuing, blocking/unblocking, PIN reset and revocation of smart cards.

The open and modular architecture gives clients unlimited flexibility to support present and future requirements – new extensions and integrations with third-party solutions.

Card lifecycle management

Process management

Selected Banking projects

Mexico(MyCard)

Maldives(Bank of Maldives)

Kenya(Equity Bank)

Uzbekistan (EMPC)

Russia(Hlynov Bank)

Latvia(Tag systems)

Kenya(Kenya commercial Bank)

Guatemala, Honduras, Panama (Banco Ficohsa)

Italy(MF Group)

Kazakhstan(Kaspi Bank)

Ethiopia(Wegagen Bank)

Guatemala(Banco Inmobiliario)

Bulgaria(First Investment Bank)

Bulgaria(First Investment Bank)

Egypt(Masria Card)

Azerbaijan(Bank Standard)

Armenia(Ararat Bank)

Bangladesh(Eastern Bank Limited)

Kenya(Commercial Bank of Africa)

Kenya(Consolidated Bank)

Latvia(Rietumu Bank)

Libya Lithuania(Danske Bank Lithuanian Branch)

Sweden(Megacard)

Uganda(Kenya Commercial Bank)

Ukraine(Polygraph Combine ‘Ukraina’)

Kenya(Equity Bank)

Malta(Insignia cards)

Guatemala(Banco Trabajadores)

Kenya(Cooperative Bank)

Uzbekistan (KAPITALBANK)

South Sudan (Co-operative Bank of Kenya)

Kenya(Family Bank)

United Kingdom(Thames Card Technology)

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CONFERENCE & EXHIBITION

12–14 OCTOBER RIGA, LATVIA