ATM/debit on-line interface
Solution Overview
EZswitch® is a middleware solution that provides an interface to your core banking system and an EFT network provider to support an on-line authorization channel for ATM and debit issuer transactions. The solution can operate on either a CSFi-supplied server or a virtualized (VMware) environment. EZswitch will perform transaction authorizations using current balances and perform stand-in authorization, using a combination of card limits and a positive balance file (PBF), when the core authorizer is unavailable. The PBF can be updated via real-time updates (as issuer transactions are processed) or a full periodic update from the core system throughout the day.
Core Banking Solution Variations
CSFi partners with a variety of core solution providers such as Fiserv, Jack Henry & Associates, and Harland Financial Solutions to provide turnkey ATM/debit issuer solutions. There are minor variations in how the integrated solutions are provided so please click on one of the following core providers for more details...
Features and Options
The main function of EZswitch® is to provide an on-line authorization channel for your ATM and debit issuer transactions. Other base functions include stand-in authorization when your core authorizer is unavailable, reconciliation tools for settlement with your EFT network provider and electronic queries of your transaction log for research purposes. The system can also be enhanced with several options. The following provides a summary of the base package and available system options...
| Base Package |
| The base system supports a real-time interface for transactions sent from an EFT Network to a core authorizing system for a single institution with a single authorization interface. |
Includes:
|
| Additional EZswitch® Options |
| Multiple institutions. Support for multiple host authorizer connections and multiple institutions. |
| Multiple network connections. Support for connecting to more than one EFT/ATM-outsourcing network. |
| Stand-in authorization sing a positive balance file (PBF). The system will use card limits and a PBF when the core system is unavailable. |
| Single point of card maintenance entry. Allows users to enter card maintenance from their core system and automatically update the EFT network provider's database. Only available for select EFT networks providers. Contact sales@csfi.com to learn more. |
| ATM inactivity monitoring. Notifies an ATM has not been used for a period time. (e.g. an ATM has not been used in the last six hours). Ideal for solving issues that are undetected by other ATM monitoring tools. |
| Sentinel alert notification system. Provides real-time alerts for events such as the authorization link to the host authorizer being unavailable or the connection to the network being disrupted. Read more... |
| FraudBlock™. Performs rules-based fraud detection and protection for all transactions recieved from the network, prior to authorization. Read more... |
| RSS replication and backup Using IBM Informix RSS replication, the EZswitch system can perform real-time data replication to an offsite backup/disaster recovery server. Contact sales@csfi.com to learn more. |
Functions
- On-line ATM/debit interface to your core banking system
- Immediate memo posting of ATM and debit issuer transactions
- On-line interface to your EFT Network of choice (click here for full list)
- Stand-in authorization (using card limits)
- Transaction logging and electronic queries
- A reconciliation subsystem for reconciling transactions with your EFT Network
(See a demonstration of the Reconciliation Subsystem) (Secure File) - Single point of card maintenance entry available
- Multi-institution and Network support available
- Alert notification available
- ATM and debit transactions are authorized using current balances
- ATM and debit transactions are immediately reflected in other bank systems
- Eliminate your exposure by authorizing transactions against current account balances.
- The flexibility to change EFT Network providers seamlessly without impacting the the core authorization interface
- Single point of card maintenance entry reduces the total number of entry points and avoids errors attributable to entering the data in multiple places
- If the core system is unavailable, the system can perform stand-in authorization that could lead to substantial cost savings when compared to your EFT Network provider being required to stand-in.
- The automated alert system provides immediate notification of events that can cause disruption to customer service or events that result in financial impact to your financial institution (stand-in processing by EFT Network)
CSFi System Requirements (Secure File)
EZswitch Questionnaire (Secure File)
EZswitch Network Configuration Form (Secure File)
