ATM/Debit Payment Authorization and Transaction Switching System
Solution Overview
SWITCHWARE® is the CSFi solution for electronic payment and transaction switching software, which provides ATM driving and management, POS acquiring and merchant management functionality. The primary purpose of the system is to perform payment authorization and routing decisions, sending on-us transactions to a primary authorizer, switching foreign transactions to networks, standing in when the primary authorizer is unavailable and performing transaction processing decisions using predetermined settings. Additional functions include; electronic transaction logging, debit card management, EMV smart card support, interface to an HSM device for cryptographic functions (including PIN validation, card authentication, key management, remote key loading, RSA authentication), ATM/EFT network monitoring and automated alert notification. The system is designed to comply with PCI DSS and is PA-DSS 2.0 validated.
G4 Enhancements
- Single Sign-on. Using single sign-on functionality SWITCHWARE user access and roles can be managed collectively for all systems from a single instance of Active Directory or LDAP.
- Web Enabled Clients. An entirely new look and feel for managing and accessing SWITCHWARE using any popular web browser (Firefox, Internet Explorer, Chrome), and perform real-time system management and transaction research.
- Cardholder SMS/Email Alerts. Establish alert rules and send custom email/SMS text messages to cardholders based on account activity (withdrawals, low-balance, fraud, etc.).
- Cardless Withdrawals and Deposits. Card and account holders can arrange to withdraw funds or deposit funds to/from an account without the use of their card.
- FraudBlock™ Enhancements. New rules and rule enhancements will allow for multiple same rule creation and escalation criteria .
- System Virtualization. The latest version of SWITCHWARE is certified to be implemented in a virtual environment using VMware’s ESX server. Virtualization offers gains in system redundancy, recovery and manageability, and it reduces overall cost of the solution by eliminating unnecessary hardware purchases.
Popular Features and Options
The base SWITCHWARE solution offers ATM driving, POS transaction acquiring, on-line ATM/debit issuer authorizing and a host of other features:
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ATM Driving Module
SWITCHWARE is a multi-threaded high performance system designed to drive connected ATM and acquire POS device transactions. Current implementations of SWITCHWARE drive as few as ten ATMs to others driving close to a thousand, each using a single instance of SWITCHWARE. SWITCHWARE can support driving a wide variety of ATM brands using native ATM protocols plus variant emulations:
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System Integration & Setup Services
CSFi provides project coordination, system setup, training, and remote live conversion assistance. In addition to the system parametrization and setup, CSFi also assists customers with certifying with the ATM/EFT network, including transaction processing and sending the card maintenance batch file.
PA-DSS Validated Application
PA‐DSS (Payment Application Data Security Standard) is the worldwide information security standard assembled by the Payment Card Industry Security Standards Council (PCI SSC) to help financial institutions conform with the broader PCI DSS compliance standard. The standard was created for software vendors that develop applications that process card payments to mitigate card fraud through increased controls. The standard applies to all software vendors developing applications that hold, process, or pass cardholder information from any card branded with the logo of one of the major card brands (Visa, MasterCard, etc.). PA-DSS includes 13 requirements that govern how the payment application, database, and business activity is to be implemented and maintained. SWITCHWARE meets all PA‐DSS (version 2.0) requirements for properly storing, handling, and disseminating sensitive cardholder data. It employs the latest developments in cardholder-data security standards.
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.
SWITCHWARE Base Offering
| The base system provides a real-time interface for transactions sent from acquiring source (e.g. and attached ATM or POS device, or an ATM/EFT switch network) to a host authorizing system for a single institution with a single authorization interface and a single EFT switch network interface. |
| Includes: |
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| Ancillary Components (may be obtained separately): |
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Additional SWITCHWARE Options
| Multiple institutions. Support for multiple host authorizer connections and multiple institutions. |
| Multiple network, host, and application connections. Support for connecting to more than one ATM/EFT switch network, host/core banking system, and/or third party application using ISO 8583, XML or log record format. |
| Virtual implementation. Implement SWITCHWARE, transaction processing engine and web application server, 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. An integrated rules-based fraud detection and protection system for all issuer-based transactions received from the ATM/EFT network, in real-time and prior to authorization. Read more… |
| Web application server. An HTTP server that makes the web clients available for access from any web browser connected in the network. It exposes the web services layer used for system administration and provides a WSDL-defined set of services that other apps can use to manage SWITCHWARE. |
| 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… |
| POS & merchant management module. Support for acquiring POS transactions and creating merchant accounts whereby POS devices can be grouped and managed. Read more… |
| RSS replication and backup. 4 Using IBM Informix RSS replication, the SWITCHWARE system can perform real-time data replication to an offsite backup/disaster recovery server. Read more… |
| Database encryption.4 Using IBM database encryption expert (DEE) or Oracle Transparent Data Encryption (TDE), the database can be encrypted at the file level in order to comply with PCI regulations. |
| High availability and disaster recovery. Support for systems that are arranged in a clustered environment, with an active/passive fail-over setup. SWITCHWARE can also be arranged to run on a disaster recovery system where real-time database replication occurs off-site. |
Special Notes
1. View the full list of supported network/switch interfaces.
2. Requires a raw data file from your ATM/EFT network.
3.Alert notifications require Sentinel™.
4.Some solutions require an upgraded version of the database software.