Online ATM/Debit Middleware System
Solution Overview
EZswitch® is an ATM/debit middleware system that provides an interface to a core banking system and an interface to an ATM/EFT network1 that supports an on-line authorization channel for ATM and debit issuer transactions. The solution may operate on either a CSFi-supplied server or a virtualized (VMware) environment. The core system will perform transaction authorizations using the current balances and when unavailable EZswitch can perform stand-in authorization using a combination of card limits and a positive balance file (PBF). The PBF can be updated using one of two methods: the first method is through a real-time update as ATM/debit issuer transactions are processed and the second method is a full update from the core system that may be performed multiple times throughout the day.
Core Banking Systems
CSFi partners with core providers, such as Fiserv Precision, Jack Henry & Associates and Harland Financial Solutions to provide turnkey ATM/debit issuer solutions. Learn more about how we support integrated solutions with one of the specific core providers:
Fiserv Precision
Precision Core Overview
EZswitch® is an ATM/debit middleware solution that provides an interface to the core banking system and an interface to an ATM/EFT network who supports an on-line authorization channel for ATM and debit issuer transactions. The system may operate on either a CSFi-supplied server or a virtualized (VMware) environment. The core system will perform transaction authorizations using the current balances and when unavailable EZswitch can perform stand-in authorization using a combination of card limits and a positive balance file (PBF). The PBF can be updated using one of two methods: the first method is through a real-time update as ATM/debit issuer transactions are processed and the second method is a full update from the core system that may be performed multiple times throughout the day.
Benefits:
- ATM and Debit transactions are authorized using current balances and immediately reflected in other banking applications
- Eliminate exposure to risk by authorizing transactions against current account balances
- Take advantage of the flexibility to change ATM/EFT network providers seamlessly without interfering with the Precision authorization interface
- Our online interface is certified against new Precision core software releases
- Single point of card maintenance entry reduces data disparity between systems by reducing the total number of entry points to one
- If the Precision core authorizing system is unavailable, EZswitch can perform stand-in authorization. This function leads to a substantial cost savings when compared to allowing the ATM/EFT network to stand-in
Specific Features:
Financial institutions who use the core system(s) listed in the table below can interface directly to a supported ATM/EFT network of their choosing. This is made possible through the real-time XML interface installed between EZswitch and Fiserv’s core system. The specific features and functions supported by EZswitch for the Fiserv Precision system are as follows:
- On-Line Card Maintenance (OLCM) interface. supports real-time card maintenance updates performed on Precision and sent to EZswitch.
Finastra Core
Finastra Core Overview
EZswitch® is an ATM/debit middleware system that provides an interface to the core banking system and an interface to an ATM/EFT network who supports an on-line authorization channel for ATM and debit issuer transactions. The system may operate on either a CSFi-supplied server or a virtualized (VMware) environment. The core system will perform transaction authorizations using the current balances and when unavailable EZswitch can perform stand-in authorization using a combination of card limits and a positive balance file (PBF). The PBF can be updated using one of two methods: the first method is through a real-time update as ATM/debit issuer transactions are processed and the second method is a full update from the core system that may be performed multiple times throughout the day.
Benefits:
- ATM and Debit transactions are authorized using current balances and immediately reflected in other banking applications
- Eliminate exposure to risk by authorizing transactions against current account balances
- Take advantage of the flexibility to change ATM/EFT network providers seamlessly without interfering with the Phoenix authorization interface
- Our online interface is certified against new Phoenix core software releases
- Single point of card maintenance entry reduces data disparity between systems by reducing the total number of entry points to one
- If the Phoenix core authorizing system is unavailable, EZswitch can perform stand-in authorization. This function leads to a substantial cost savings when compared to allowing the ATM/EFT network to stand-in
Jack Henry Banking | SilverLake | CIF 20/20 | Core Director
JHA Core Overview
EZswitch® is an ATM/debit middleware system that provides an interface to the core banking system and an interface to an ATM/EFT network who supports an on-line authorization channel for ATM and debit issuer transactions. The system may operate on either a CSFi-supplied server or a virtualized (VMware) environment. The core system will perform transaction authorizations using the current balances and when unavailable EZswitch can perform stand-in authorization using a combination of card limits and a positive balance file (PBF). The PBF can be updated using one of two methods: the first method is through a real-time update as ATM/debit issuer transactions are processed and the second method is a full update from the core system that may be performed multiple times throughout the day.
Multiple Supported Core Systems
- SilverLake
- CIF 20/20
- Core Director
Features and Options
EZswitch offers several features and options to choose from. The base system provides standard functions including on-line ATM/debit issuer authorizations, real-time on-line card maintenance (OLCM) updates (for Precision only), single point of card maintenance entry where a card maintenance batch file (CMBF) is transmitted to the ATM/EFT network, and stand-in authorization using a positive balance file (in addition to using card limits). Optional added features include system-wide alert notification, multi-institution support, multiple ATM/EFT network connections, and more.
EMV Issuance Support New!
EMV chipcards are on the fast track to become the new standards in the United States. Find out how CSFi’s EZswitch software has been proven as a reliable solution to handle EMV issuance, acquiring and issuer processing for countless financial institutions.
Learn about EZswitch EMV Support
System Integration Services
CSFi provides project coordination, system setup, training, and remote live conversion assistance. In addition to the system parameterization and setup, CSFi also assists customers with certifying with the ATM/EFT network, including transaction processing and sending the card maintenance batch file.
Enhanced Support
CSFi provides technical support services using the Comprehensive Action and Resolution Environment (CARE™) plan that includes access to CSFi’s technical support during normal business hours. In addition to the CARE™ plan, customers may subscribe to an After Hours Support plan (Bronze, Silver, or Gold).
TotalCARE™ offers system diagnosis and performance analysis professional services.
EZswitch® Base System
The base system provides a real-time interface for transactions sent from an ATM/EFT network to a host authorizing system for a single institution with a single authorization interface.
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Additional Options
| Multiple institutions. Support for multiple host authorizer connections and multiple institutions. |
| Multiple network connections. Support for connecting to more than one ATM/EFT network. |
| Virtual implementation. New! Implement EZswitch in a VMware ESX virtual machine to eliminate server hardware and streamline support for multiple applications running in the data center. Read more… |
| FraudBlock™ real-time fraud detection and prevention system. New! Rules-based fraud detection and protection for all issuer-based transactions received from the ATM/EFT network, in real-time and prior to authorization. Read more… |
| Sentinel™ alert notification system. Real-time email and SMS-text alerts for events such as the authorization link to the host authorizer being unavailable, or the connection to the network being disrupted. Read more… |
| RSS replication and backup.5 Using IBM Informix RSS replication, the EZswitch system can perform real-time data replication to an offsite backup/disaster recovery server. Read more… |
Special Notes
- View the full list of supported network/switch interfaces.
- The ATM/EFT network’s CMBF format must be supported.
- Requires a raw data file from your ATM/EFT network.
- Alert notifications require Sentinel™.
- Some solutions require an upgraded version of the database software.