International Card Systems Skopje Macedonia What is

International Card Systems Skopje, Macedonia

What is Ca. Sys? q Ca. Sys is a regional card processor offering payment card services to banks and non-financial institutions. q NPK (National Payment Card) was established by the government of Macedonia four years ago as a national payment card center. In the middle of 2003, NPK was privatized and renamed to Ca. Sys, which became a member of the FIBank Group. q. In the beginning of 2005, Ca. Sys was certified as a Master. Card Member Service Provider and Visa Third Party Processor for chip cards. q Ca. Sys is certified and applies ISO 9001: 2000 standards. 2 2

Ca. Sys Statistics q The Ca. Sys platform contains: front office ACI B 24 and back office ACI CMS run on HP/Tandem machine, HSM Atalla, CIM as personalization machine and P 3 THALESS for EMV data preparation. q At present Ca. Sys employs thirty people. q Ca. Sys services six banks in three countries, and has issued 30, 000 chip cards, processed 250, 000 transactions, and manages 70 ATM terminals. q By the end of 2006, Ca. Sys plans to work with 10 regional banks, to have issued 100, 000 chip cards, to manage 800 ATMs and 1, 000 POS terminals, and to have processed 1. 5 million transactions. 3 3

Why Ca. Sys for Member Banks? q The objective of Ca. Sys is to become the leading regional provider of processing services in the area of cashless payment systems. q Ca. Sys offers extension and enhancement of the quality of epayment services for banks. q Ca. Sys as a mediator between banks and international card networks can reduce the complexity and time required to process a member’s licensing. q Ca. Sys as a certified processor can lower initial as well as operational costs for the members of the international card networks. 4 4

Ca. Sys Services in Brief q Switching, authorisation and processing of transactions. q Card personalisation and PIN generation. q Clearing and settlement. q Dispute transaction processing. q Key management. q Management and maintenance of ATM/POS network. q ATM/POS type certification. q Multilanguage customer support center, 24 hours a day, 365 days a year. 5 5

Why Ca. Sys for Issuing? q Issuing cards from international networks: –Visa Electron, Visa Classic, Visa Business, Visa Gold, etc. –Maestro, MC Standard, MC Business, MC Gold, etc. –Diners –American Express q Card personalization techniques: emboss, infill, indent, magnetic stripe, chip, hybrid, printing of: bar code, logo, photos. q Plastics/chip vendor partners are Austria. Card and Gem. Plus. 6 6

Why Ca. Sys for Issuing? q Issuing and card management of various card types: debit, credit, proprietary, loyalty, private cards for non-financial institutions. q Calculation, on behalf of banks, of various charges and fees for the cardholders: for transactions, cards, accounts, interest rates, penalty fees. q Switching and on-line/off-line authorization of transactions. q Processing of transactions results in information for clearing of cardholder accounts. q Risk management. 7 7

Why Ca. Sys for Acquiring? q Management and monitoring of ATM/POS network. q Connection with international networks. q Calculation, on behalf of banks, of various charges and fees for the merchants: for transactions, interest rates depending on settlement period. q Processing of transactions results in information for clearing of merchant accounts. q Risk monitoring. 8 8

Ca. Sys Network On-line connected banks and processors ATM network Ca. Sys POS network ACI-CMS 9 Off-line connected banks 9

Ca. Sys Connections q Ca. Sys has on-line connections with the Visa Center in London and the Master. Card Center in Waterloo. q. Constant exchange of data between banks and Ca. Sys requires a permanent connection through leased line or one of the following: frame relay, VPN, satellite line. q. Protocol BIC ISO 8583 is required between bank host and Ca. Sys system for switching and on-line authorization. q Off-line connection between banks and Ca. Sys is via file transfer. 10 10

Ongoing and Future Projects q Payment portal for: – E-commerce – Bill payments – Mobile top up q Loyalty programs q Installment programs q SMS alerts q Integration of m-banking with payment cards 11 11

Payment Portal q 3 D-secure, integrated with MCSC and Vb. V q New payment channels: internet, АТМ and POS terminals with new function, SMS, IVR q E-commerce – internet selling/buying with payment cards q Bill payments – payments of utility bills, post-paid mobile telephony q Mobile top up – recharging pre-paid mobile telephony 12 12

Payment Portal ATM network Banks/Other processors POS network E-shop Internet www. cpay. com. mk Payment portal Ca. Sys Customer SMS IVR ACI-CMS Service providers 13 13

In Brief q Banks require a minimum of technical effort in order to connect to international card networks with Ca. Sys as processor q Banks can optimize their staff in the retail area with Ca. Sys as card processor q Ca. Sys helps to strengthen the relationships between banks and their customers, both cardholders and merchants q Ca. Sys provides payment solutions for banks in multiple segments q Banks determine their own pricing and profit model for their card customers 14 14

For further information please contact: Sandra Tomanovic Phone: +389 2 3293 861 e-mail: [email protected] com. mk Lidija Bogoevska Phone: + 389 2 3293 -879 E-mail [email protected] com. mk or visit: www. casys. com. mk 15 15