CR2
CR2 is a global provider of channel banking software in the following areas
ATM switch - EMV compliant software for controlling and managing your ATM network
Point of Sale - Provides a scalable software solution for processing transactions for authorisation and settlement from merchant point-of-sale (POS) systems
Internet banking - software that provides multilingual 24 x 7 Internet banking for your customers
Mobile banking and SMS banking - software that delivers banking services to customers using SMS mobile messaging
Phone banking - software that allows customers check their balance and make enquiries regarding their bank account, over the phone
Integrated channel management - Delivers personalised banking services to targeted customer groups by providing a single and consolidated view across all channels
Card payments - End-to-end card payment, management and processing services
BankWorld System
The Bank can carry out all its business activities from the domain of self-service banking by forming its own processing centre or may entrust some of them to a qualified processor to do it for several banks independently. Banks can use advantages of new technologies more successfully if they themselves form their own processing centres. Own processing centres give full control to the bank over its network both in terms of mode of operation and in terms of acquisition of profit.
BankWorld software is a modular solution allowing the bank to provide services to its customers via different self-service banking channels: ATMs, POS's, Internet Banking, Mobile Banking. It consists of the following modules for channel banking with cards: BankWorldATM, BankWorldPOS, BankWorldATM Client, BankWorld ATM Distributor, CardWorld Producer and CardWorld Acquirer and modules for Internet Banking and Mobile Banking - BankWorld Internet and BankWorld Mobile.
BankWorldATM and BankWorldPOS support all recognized international card brands - VISA, MasterCard, Maestro, JCB, Diners as well as local cards under ISO standards, so that the bank can acquire these cards on its ATMs and POS's and send transactions via appropriate network - VISA, MC ... to the bank card issuer. If the bank would do acquiring of these cards by using services of an external processor, such processor would have to be certified for all these networks.
BankWorld software allows the bank to issue international card brands and authorize transactions in online mode. Updating account balance in real time is an important characteristic for the bank, because it considerably reduces overdraft and abuse. This is an essential advantage of BankWorld software in comparison with processors outsourcing their services, because very rarely processors establish online connection with banks (with bank's host system that contains accounts of their customers). They grant authorizations based on defined limits or based on account balances from the previous day.
In addition to transaction routing and authorization, BankWorld software allows clearing and settlement of transactions executed in other networks to cards issued by the bank as well as creation of files with financial transactions executed with other banks' cards in the bank's network.
ATM and POS monitoring as well as management are also BankWorld functions giving the bank full control over its own network. At any given moment the bank knows the status of money and consumables on each ATM and thus can plan replenishment and servicing. The system is also highly scalable from several dozens ATMs and POS's to several thousand of these devices. BankWorldPOS supports all POS's operating under ISO8583 and MDC standards.
Software on ATMs is BankWorld Client. It supports all major ATM manufacturers – NCR, Diebold, Wincor Nixdorf and other. Set of transactions that are offered include: cash withdrawal, balance query, payment of bills, funds transfer, cash and check deposit, top up of prepaid bills, etc. Set of transactions is configurable according to different parameters: ATMs, card brands, and card types to and per individual users.
BankWorld ATM Distributor is used for remote software distribution and modification of application settings on ATMs, thereby avoiding the need to visit ATMs for making software changes on them, e.g. for installation of a new version. This software is also used for changing commercial screens and animations.
CardWorld Producer is software used for personalization of magnetic and chip cards (EMV). It can operate in conjunction with BankWorld or independently. Via this software the bank performs al phases in card production: card detail entry individually or in batch processing, data encryption, data preparation to be encoded on magnetic stripe, and embossing, as well as printing of PIN mailers. Upon completion of physical card production, data are exported for update of cards database (in Card Management System) on BankWorld.
CardWorld Producer allows personalization of international card brands - VISA, MasterCard as well as local cards under ISO standard. It supports major personalization machines manufacturers: NBS, DataCard and other. It supports HSM encryption devices with serial and LAN connection (Thales 7400, Thales 8000 and other.)
CardWorld Acquirer is software used for back office processing of transactions executed in a network of POS terminals. This module acquires transactions from BankWorldPOS module, generates orders for payment to merchants taking into account defined commission. Also, this module creates transaction files with POS transactions sent to different networks, to VISA, MasterCard, National Clearing Centre as well as a transaction file for posting transactions on bank's host.
BankWorld Internet is a software package allowing the bank to provide financial services via the Internet.BankWorld Internet provides interface devices that support standard Internet browsers, such as PCs and Internet kiosks. Characteristics of this solution of security concept are:
- Authentification of users, integrity and data confidentiality
- Transaction and data security (128 bit SSL encryption)
- Full integration of public key infrastructure (PKI) (X.509v3 support to digital certificates)
BankWorld Mobile provides banking services to users via mobile devices. BankWorld Mobile supports functionality of the following channels: SMS, WAP, Personal Digital Assistant (PDA).
