News

G4 1.4 Update

Keep your G4 payment processing platform optimized with latest updates from CSFi. With Version 1.4 just released and V 1.5 just around the corner it pays to stay abreast of the latest developments.

G4 Web Apps Version 1.4, Unleash the Power. For Switchware and EZ Switch

Version 1.4 enhancements and improvements include:

Additional and enhanced Network Status Icons
Enhanced ATM load, Unload and Reload Commands
Creation of a General Ledger Tab for ATM records
Added “General Notes” section to ATM records
And much more…

Log in Now at CSFi.com to download full details on all of the improvements in G4 Version 1.4

By : Sales and Marketing /March 23, 2020 /Announcements, News /0 Comment Read More

Contactless Limits

Close up of person hovering contactless card over a POS device.

Globally established as a safe, highly secure and popular payment method, more and more merchant payment terminals include a contactless payment symbol indicating that NFC payments can be made at the terminal.  

Contactless or Near Field Communication (NFC) payment methods include bank issued debit/credit contactless cards, key fobs, mobile devices (using Apple Pay, Samsung Pay, Google Pay, Fitbit Pay, etc.) or any financial institution’s mobile application with contactless support. 

Faster and more secure than transactions performed using dip or swipe contact cards, contactless NFC transactions are performed by consumers placing a contactless card or device within two inches of a contactless device to initiate their payment. While Contactless payment transactions have the same protection as chip and PIN payments, a contactless NFC transaction can be conducted without entering a PIN which has some inherent risks associated with it. 

SWITCHWARE® support of contactless payment transactions allows for the unique identification of contactless transactions from acquiring payment terminals. By identifying these transactions, SWITCHWARE allows financial institutions to implement customized cardholder transaction limits, including daily, and per transaction PIN-less limits on NFC transactions purchases and withdrawals.

When these limits are reached, the financial institution has the ability to reject the transaction authorization request or force the cardholder to perform a “contact” transaction with a PIN reducing fraud and mitigating risk. In some regions of the world, including Europe), Visa and MasterCard are also supporting more stringent measures for tracking and managing contactless transactions.  Under the more stringent measures, once a Low Value Transaction (LVT) limit is reached (established by the card issuer), the issuer can respond with a specific decline code instructing the cardholder to enter a PIN on a PIN entry device (PED) instead of requiring an additional tap at the PED or the need to perform a chip and PIN transaction.  

Contact Us for more information on CSFi Contactless Limits Support and Visit CSFi.com to for additional CSFi POS and mPOS support solutions of potential benefit to your enterprise.

By : Sales and Marketing /March 22, 2020 /Featured News, News /0 Comment Read More

Middle East Banks Deploy SWITCHWARE SSL/TLS Encryption

Boubyan Bank and Abu Dhabi Islamic Bank are now live with SWITCHWARE® SSL/TLS Encryption for their networks of NCR ANDC-driven ATMs. As the only SSL/TLS solution fully integrated with SWITCHWARE, both Banks now rely upon CSFi’s SSL/TLS solution for end to end encryption between SWITCHWARE and all connected devices. CSFi strongly recommends that customers make the move to TLS 1.2 as soon as possible.

security lock in circles representing encryption of data.

Encrypting All Endpoints is the Key

The most important aspect of securing the communications channel for an ATM is to maintain high levels of availability which banks expect from their ATM network. Using SSL/TLS 1.2 provides a secure means to satisfy PCI requirements for encrypting transmission of cardholder data across open, public networks.

SWITCHWARE® SSL/TLS provides a way to encrypt all communications between the ATM and the host. This security measure is essential to meeting the mandated standards set by the PCI Security Standards Council specifically for ATMs located in open, public networks. NCR Secure TLS Communications products can be used in conjunction with CSFi’s SSL/TLS feature to provide total encryption for your ATM network.

SWITCHWARE® SSL/TLS functions:
● Endpoint authentication of data delivery
● SSL data encryption confidentiality
● Message integrity and validation
● Certificate verification between endpoints (ATMs and SWITCHWARE®)
The benefits of CSFi’s SSL/TLS solutions over other solutions:
● The only SSL/TLS solution fully integrated with SWITCHWARE®
● No additional hardware acquisitions or purchases required to operate
● Fewer operational components equals less complexity
● A single system required for the initial setup and all future management
● Fits into existing high availability deployment and architecture
● No third party interfaces required between the ATM network and SWITCHWARE
● No third party interfaces required to be licensed
● No additional third parties required for support
● Eliminate the impersonation of an endpoint (ATM, POS, network, etc.)
● Secure the contents of the message using encryption
● Provide fast and reliable data security
● Ensure data values have not been manipulated
● Prevent SSL replay attacks, truncation attacks and SSL key renegotiation
● Avoid very costly data breaches and resulting loss of reputation
● Maintain customer confidence in your ATM delivery channel
● Avoid clear data in your private network when using a third party solution

The Demand for Encrypted Communications

There are many reasons financial institutions should use encrypted communications. Protection against logical attacks against ATMs is among them.

SSL/TLS encryption has proven effective in protecting against:
● Man-in-the-Middle Attack
● Network Cable Skimming Attack
● Host Emulation Attack
● Replay Attack
● Truncation Attack

Learn more about how CSFi can secure your ATM communications network using SSL/TLS 1.2

Contact your CSFi account executive to arrange for a review of your ATM data security protocols. Ensure that they conform to industry best practices for secure communications.

By : Sales and Marketing /March 03, 2020 /Announcements, News /0 Comment Read More

Predictive Alerting Feature

MEMA Void pattern Detection Tool

Designed to streamline the management and monitoring of card initiated transactions, MEMA (Modified Exponential Moving Average) is CSFi’s proprietary tool allowing users to set and track threshold values on void code occurrences.

Preinstalled in every version of SWITCHWARE®  powerful MEMA functionalities enhance the cardholder experience by ensuring financial institutions are aware of potential problems before they receive a customer call. Alerts can be sent to designated staff or third party agents at specific times depending on the type and severity of issue detected. Alerts will be escalated until the condition is resolved.

How does it work?

MEMA allows customized configuration of void code tracking and alert parameters. Implementation of MEMA functionality enables real-time tracking, analysis and proactive resolution of individual or grouped decline code occurrences. When specified code occurrences exceed thresholds, alert messages can be sent to designated recipients through the Sentinel™ Alert Notification System.

Users can combine void codes, frequency and authorizer information to pinpoint and rectify problems impacting the revenue stream and customer experience important to every financial institution.

How to Implement MEMA in SWITCHWARE®

As MEMA is preinstalled with SWITCHWARE, there are no additional scripts or procedures required. MEMA rules and alert parameters are configured using SWITCHWARE’s system manager client application.

Functions & Benefits:

  • Proactive system monitoring and void code pattern detection
  • User-defined customizable alert thresholds
  • Real-time pattern detection
  • Staff can be notified of impending problems before customers are affected
  • Proactive measures can be taken to insulate customers from potentially widespread problems
  • Alert notification of recurring void code patterns when using Sentinel™

For more information on how MEMA implementation can benefit your operating environment, Register now and Contact Us at CSFi.com. Once registered, users have access to brochures, videos and additional information describing the features and benefits of SWITCHWARE® and our entire suite of products, services and solutions.

By : Sales and Marketing /February 26, 2020 /Featured News, Highlighted Feature, News, SWITCHWARE /0 Comment Read More

Boubyan Bank is Live with G4 Web Applications

Boubyan Bank logo

In order to streamline operations and simplify monitoring and management of today’s and tomorrow’s payments technologies, Boubyan Bank is live with G4 Web-based applications as the new front end interface for their existing SWITCHWARE® payment authorization and transaction switching system.

Since its inception in 2004, Boubyan Bank has been recognized for its customer service excellence, rapid growth and cutting-edge digital banking facilities. Since 2011 the bank has relied upon CSFi to streamline management of their ATMs and debit card issuing and acquiring environment and is now taking advantage of G4 Web-based apps to further lower costs, boost revenues, and improve operational efficiency.

G4 Web-based Applications

Providing the bank with powerful tools for managing their system, the G4 Web-based “at-a glance” view of the entire debit payment network includes intuitive navigation tools and “hover-over” and “drill-down” research capabilities. Customers taking advantage of G4 report exponential improvement in ease of use, transaction processing management and general system control including:

  • Real-time ATM Monitoring
  • Real-time full system monitoring of all connections and database status
  • Real-time advanced “drill down” transaction and cardholder research and reporting
  • Automated routine job/task scheduling and management
  • Secure, single point of sign-on for multiple users with customized roles and permissions
  • Advanced card maintenance and transaction research reporting
  • Automated routine job/task scheduling and management
  • Secure, single point of sign-on for multiple users with customized roles and permissions

The ability to accommodate the latest innovations in profit maximizing technology is more important than ever. Contact CSFi to learn more about incorporating the transaction processing power, scalability and functionalities of SWITCHWARE® with G4 Web-based Apps in your unique ATM operating environment.

By : Sales and Marketing /November 04, 2019 /Announcements, News /0 Comment Read More

Know Your Options: Customized Note Dispensing at the ATM

Bank Customer expectations have never been higher. Around the world, more cash is in circulation than ever before and remains a primary method of payment in most countries.

Ever Visit the ATM and Been Frustrated it Dispenses Nothing but Twenties?

Convenient access to cash in customer preferred denominations is made possible by multi-denomination dispensing ATMs…some even dispense coins. Whether you need a small or large sum of money, customized note dispensing at the ATM can make your day.

US Dollars

SWITCHWARE® Support for Customized Note Dispensing

CSFi’s SWITCHWARE has long supported multi-denomination ATM’s. For banks looking to enhance the cardholder experience while shortening teller lines, it can make a lot of sense.

What Are the Options?

The options can include, at the host banks discretion, dispensation of any mix of available denominations. Available dispensation options (depending on the ATM) can include:

  • Fewest number of available notes as a default
  • Inclusion of at least one small denomination note
  • Host determined fixed denomination break downs for various withdrawal amounts
  • Equal number of notes dispensed from each canister
  • Customer selection from available notes prior to dispensing.

If a requested mix of denominations is not available, the ATM will default back to a fixed note definition provided by the host.

Contact us for more detailed information on how SWITCHWARE® customized note dispensing can enhance the cardholder experience by delivering more personalized service at your ATMs.

By : Sales and Marketing /October 31, 2019 /Featured News, News /0 Comment Read More

Border State Bank is Live with EZswitch G4 and Star EFT

Greenbush, MN: Dedicated to employing the most advanced technology available to provide the best customer experience possible, Border State Bank has upgraded from EZswitch® 2012 to EZswitch® G4. The new online interface connecting the bank’s Fiserv Precision core banking system to the Star EFT network enables implementation of a host of new EZswitch features proven to lower costs, boost revenues, and improve operational efficiency.

Established in 1935, the bank has remained dedicated to meeting the evolving banking needs of Minnesota residents and businesses for nearly 85 years. Now, with 9 branches and total assets exceeding $600 million, the bank continues a long tradition of exceeding customer expectations.

The virtualized VMware upgrade to EZswitch G4 improves operational efficiency and the cardholder experience by taking advantage of the latest features and enhancements to EZswitch software; including the latest version of Sentinel™ II supporting a new Windows service environment and greater system redundancy for high availability.

The G4 platform provides a highly customizable solution for institutions aiming to minimize costs, expand revenue sources, and maximize data and transactional security. The systems features and options for reducing fraud losses and streamlining management of debit card operations include:

  • FraudBlock integrated, rules-based, real-time fraud detection and prevention system
  • Sentinel™ II Alert Notification System providing unattended monitoring of ATM’s, core system interface, EFT network connection(s) through email and SMS-text notification
  • G4 Web-based Apps real-time transaction and cardholder research and reporting, full system monitoring and automated job/task schedule managing
  • Support for Cardholder Alerts via email and SMS-text
  • On-demand ATM/EFT Network Denial Rules for immediate protection against a wide range of fraud sources
  • Stand-in authorization using a positive balance file (PBF) and/or card limits (the system will authorize using a PBF or card limits when the host authorizing system is unavailable)
  • Secure, single point of card maintenance entry
  • Advanced “drill down” capability for transaction and cardholder research and reporting
  • Reconciliation subsystem
  • System health check monitoring including all connections and database status
  • Automated job/task schedule management
  • Integrated support for full EMV functionality
  • Audits and logs of all user activity and much more…

G4 Web-based Applications

The EZswitch® G4 upgrade ensures that the bank and its cardholders rely on the most secure and scalable end-to-end debit card management solution available. Providing a real-time graphical “at-a-glance” view of the entire debit payment network, the powerful G4 front-end’s intuitive navigational tools enable every user to easily utilize the new system’s full capabilities, including: real-time system wide monitoring, automated job/task scheduling, and advanced card maintenance and transaction research and reporting.

See for Yourself

Contact Us to view G4 in action. See why customers taking advantage of G4 report exponential improvement in ease of use, transaction processing management and general system control.

Learn more, Register now at CSFi.com and enable access to our web resources. Registered, users can view brochures, videos and additional information describing the features and benefits of EZswitch®, G4, Sentinel, FraudBlock, EMV support, Virtualization and our entire suite of products, services and solutions.

By : Sales and Marketing /October 25, 2019 /Announcements, News /0 Comment Read More

GBTI is Live with G4 Web-based Applications

Georgetown, Guyana: Guyana Bank for Trade and Industry Ltd. (GBTI) has a rich and successful history of over 170 years that began with the establishment of the first commercial bank in British Guiana. In keeping with their mission to provide efficient and quality services to both depositors and entrepreneurs through the harnessing of state-of-the-art technology, GBTI has installed and implemented G4 Web-based Applications as the new front end interface for their existing SWITCHWARE® production environment.

GBTI logo

With 12 branch locations and over $107 billion dollars in assets, GBTI is Guyana’s number one banker. They provide a full range of modern commercial banking services including Direct and Mobile Banking, a countrywide network of ATMs and more than 235 Point of Sale merchant locations. GBTI has been relying upon CSFi and SWITCHWARE to optimize performance of their ATM network and transaction processing environment for nearly 35 years.

G4 Web-based applications

Providing a graphical “at-a-glance” view of the entire debit payment network, the powerful G4 front-end’s intuitive navigation tools will enable every user to easily utilize their system’s full capabilities, including:

  • Real-time ATM Monitoring
  • Real-time full system monitoring of all connections and database status
  • Real-time advanced “drill down” transaction and cardholder research and reporting
  • Automated routine job/task scheduling and management
  • Secure, single point of sign-on for multiple users with customized roles and permissions
  • Advanced card maintenance and transaction research reporting
  • Automated routine job/task scheduling and management
  • Secure, single point of sign-on for multiple users with customized roles and permissions

Globally proven to lower costs, boost revenues, and improve operational efficiency, the upgrade to the G4 web-based applications ensures that the bank and its cardholders are relying on the most secure and scalable ATM driving and debit card management solution available. To learn more, Register now at CSFi.com and enable access to our web resources. Once registered, users have access to brochures, videos and additional information describing the features and benefits of SWITCHWARE®, G4 Web-Based Apps, and our entire suite of products, services and solutions.

By : Sales and Marketing /October 16, 2019 /Announcements, News /0 Comment Read More