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Components of a card. An example of the front of a typical Card: 1.Issuing bank logo 2.EMV chip 3.Hologram 4.Debit Card Number 5.Card brand logo 6.Expiry Date 7.Cardholder's name . Magnetic Strip Signature Strip Card Verification Value (CVV). ATM Transaction Flow. Middle Ware
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Components of a card An example of the front of a typical Card: 1.Issuing bank logo 2.EMV chip 3.Hologram 4.Debit Card Number 5.Card brand logo 6.Expiry Date 7.Cardholder's name • Magnetic Strip • Signature Strip • Card Verification Value (CVV) Internal Use
ATM Transaction Flow • Middle Ware • BancConnect/Connect24 (Infosys) • ATM - Automated Teller Machine • NCR, Diebold , Wincor • SWITCH • Base24 – ACI (US) • IST/Switch – Oasis (Canada) HSM Switch ATM Core banking Host Middle Ware POS • POS - Point Of Sale • Veriphone, Bradma • HSM • THALES / SAFENET / ATTALA / RACAL • Core banking Host. • Finacle (Infosys) • FlexiCube (i-Flex) POS Internal Use
POS Transaction Flow Card Association VISA / MasterCard Merchant Cardholder Big Bazaar Card Bank Bank XYZ Acquiring Bank Issuing Bank Internal Use
Card / Transaction Life Cycle HSM VISA Printer VAP IST/ SWITCH IST/Card ATM/ POS ATM/ POS CORE Banking – Finacle • Us-On-Us • Our Card • Our Terminal CMS C O N N E C T 24 Uniserv • Us-On-Net • Our Card • Other Terminal Card Vendor UBPS System (Payaway) CSIS • Net-On-Us (Off-Us) • Other Card • Our Terminal Plastic Cards CORE Banking Alternate Channels External Networks Internal Use
HSM HSM VISA VISA Printer Printer VAP VAP Telephone Telephone IST/ SWITCH IST/Card IST/ SWITCH IST/Card ATM/ POS ATM/ POS Card Card Internet Internet Internet Banking Internet Banking CMS CMS C O N N E C T 24 C O N N E C T 24 SMS (Mobile) Banking SMS (Mobile) Banking Uniserv Uniserv Service Provider Service Provider Card Vendor Card Vendor UBPS System (Payaway) UBPS System (Payaway) GSM Modem GSM Modem CSIS CSIS Plastic Cards Plastic Cards Telephone Lines Telephone Lines Phone Banking Phone Banking IVR IVR CORE Banking Alternate Channels External Networks CORE Banking Alternate Channels External Networks All Alternate Channels CORE Banking - Finacle CORE Banking - Finacle Internal Use