u/SWITCHWARE® Processing Environments

In-house ATM Processing and Transaction Switching

For financial institutions that wish to maintain autonomy over their ATM network processing and react immediately to the needs of their customers, u/SWITCHWARE provides and in-house solution for; ATM terminal driving, on-line authorization to the core processing system and interfaces to regional, national or international networks for shared ATM network processing.

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ATM/Debit On-line Authorization Issuer System for Core Systems

Debit card transaction volumes are poised to surpass credit card transactions making the need to access on-line balances extremely important to reduce a financial institution's exposure to fraudulent activity and overdrawn accounts. This processing environment consists of a u/SWITCHWARE issuer system that provides connectivity to an ATM/Debit transaction acquirer (i.e., network) and an on-line interface to a core system.

EMV and Smart Card Support

For institutions that wish to perform payment processing of Integrated Circuit Cards (ICC), commonly referred to as smart cards, and support the Europay, MasterCard, Visa (EMV) standards that govern their usage.

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Diebold PACE Emulation Solution

In cases where a financial institution has a legacy core system that supports a Diebold PACE message format, u/SWITCHWARE can emulate the Diebold PACE system saving costly changes to the legacy core system.

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POS Transaction Processing and Merchant Accounting
 
A Point-Of-Sale (POS) module can additionally be deployed for POS terminal support and transaction acquiring. The POS module also includes a merchant file for accounting, reporting and settlement.

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Middleware System
 
Situated between a core banking system and a front-end delivery system, u/SWITCHWARE can be used to interface the two systems when a common interface cannot otherwise be achieved. u/SWITCHWARE receives the incoming message, logs it and converts the incoming message format to a message format supported by the backend system.

Customized Payment Processing
 
u/SWITCHWARE can also be used to meet the needs of business who have special payment application needs. As an example, u/SWITCHWARE has become a popularly used payment processing application for scrap collection yards who desired to automate their scrap delivery and payment procedures. This special implementation provides cash payments from ATMs eliminating the need for a secure cashier's window. Payments and the corresponding scrap purchases can be matched promptly.