CPS CPS Card Card Personalizat Personalizat ion ion System System
Dec 25, 2015
CPSCPS
CardCardPersonalizatiPersonalizati
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CPSCPS
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Card Personalization System
AgendaAgenda
The Company
Product Description
CPS Market Drivers
Functional Overview
Demo
Conclusion
Card Personalization System
Sigmenta’s Operating ModelSigmenta’s Operating Model
Headquarters in Madrid, Spain
Majority shareholder is GMAST Group of Israel
Dedicated to the research, development and
implementation of technologies for synchronous
processing and evaluation of transactions (STT ®)
Operating in:
Europe
North and South America
Card Personalization System
Spain
Software Development and Sales
Offices in Europe, USA and Latin America
Israel
Presence and projects in 27 countries
Physical Security
Border/Perimeter Security
Turnkey Security Projects
Israel
Group R&D
Venture Capital
GMAST InternationalGMAST International
Card Personalization System
Venezuela
Integrated Security Services
Product Representation Services
Security Operations Outsourcing
Research and Intelligence
Venezuela
Software Factory
In-house development and deployment of GMAST applications.
Off-shore outsourced development services for clients
GMAST GroupGMAST Group
Card Personalization System
TFRS
Transactional Fraud
Reduction System
Integrated real time solution for card
fraud control
CPS
Card Personalization
System
Personalization of the consumer
profile of payment cards
eBONUS
CNB
Banking services for unbanked
individuals, payment card
personalization, and streamlining of
expense management processes
LoyaltyControls the level of customer loyalty in
financial and non-financial institutions
Our ProductsOur Products
Card Personalization System
What is CPS?What is CPS?
A transaction authorization process that enables
real-time transaction approval or denial, according
to conditions pre-established by the customer
Cards and card profiles (for a single cardholder or
for a group) are created and managed under a
single BIN.
Cardholder has direct control over the card profile,
which he or she can define and modify according to
personal or professional needs.
Card Personalization System
What is CPS?What is CPS?
Based on neural nets and Synchronous Transactional Technology STT 4G ®
Analyzes and approves or denies transactions in real-time
Immediate, seamless integration into the issuing bank’s existing systems.
Capacity to impose detailed combinations of conditions of use. Conditions include: transaction amount limits, transaction type (ATM, POS, etc.), vendor/vendor category, time periods during the day, etc.
No need for a separate BIN
Card Personalization System
STT 4G STT 4G
Synchronous Transactional Technology 4th Generation -
STT 4G ®
Real-time technology for solving real life problems
No time-out in response
Breakthrough solution for managing transactions
Flexibility to create innovative business models
Strong customer acceptance
Card Personalization System
Supports financial institutions’ strategies
Cost reduction
New service development
Customer fidelity
Expands business opportunities beyond the financial
world
Welfare
Government benefits
Telecom
“We created an emerging technology…..”
STT 4G STT 4G
Card Personalization System
S.A.T. divides the work into two separate processes:
ASYNCHRONOUS MODULEAnalyzes and processes
asynchronously, without impacting critical response time, all data to be considered in the
client’s next transaction.
SYNCHRONOUS MODULEEvaluates the incoming
transaction in real-time, subjecting it to constraints set by
the asynchronous module.
To evaluate an operation in real-time, we face:
Long code High intelligence Much processing time
Short code
Little intelligence Little processing time
To solve this problem and obtain good results online we need:
High intelligence Little processing time
Short code
Neural Network
&Expert
SystemsTechnology
Synchronous/Asynchronous Synchronous/Asynchronous Technology – S.A.T.Technology – S.A.T.
S.A.T.
Card Personalization System
CPS Market DriversCPS Market Drivers
Cardholder (or card manager – e.g. company,
family member, government, etc.) can easily
define and manage the card profile
System provides an infrastructure for an entire
suite of original and personalized products
Risk of misuse and costs are reduced
Image improvement
Increase customer satisfaction
Overcomes drawbacks of Purchase Cards, Fleet Cards Overcomes drawbacks of Purchase Cards, Fleet Cards and Corporate Cards and Corporate Cards
Card Personalization System
AUTHORIZATIONSYSTEM
MainFrame/AS/400Media System
Trigger
STT Database
Synchronous
Alert Engine
LinkAsynchronous
Clients
AuthorizationTx
CHANNELS
POS
ATM
VRU
CallCenter
Teller
Franchises(Visa, MC,
AMEX)
Internet
Natural Customer
Corporate Client WEB
Call Center
Branch Office
Massive Charge
Inbound/Outbound
Web Pages
Mobile Telephone
Start
Card Admin. FRONT
CPS DiagramCPS Diagram
Connectors
Platforms
Synchronous
OperativeTables
Administrative
Tables
Asynchronous
Card Personalization System
Intelligent Interface to
external Systems
Synchronous Decision Makers
Personalized front-end application
Credit-Debit Card System
Transaction DB contains user profiles indicator
Authorization System
TxSynchronus
Routines Factors
Asynchronus
Tx
Synchronus Connector• Data Formatter• Basic Logic decision • Absence response• Transactions to discard• Switch’s Evaluation• Message's Services
Asynchronus Connector• Data Formatter• Authorization Data• Combined information
• General Conditions Evaluation• Specific conditions evaluation
Define RoutineFactors Evaluation
• Lock the information• Return Response
ProductOperationChannel
• Specific conditions – Reconfirm Synchronus Evaluation (Regenerate Routine y Factors)
• Prepare the next transaction• Demon postulated
Tx
Data Base
Demons
•Generate Virtual Transaction• Prepare the next transaction
Clients Product Builders Technical Support Call Center
Front-End
CPS ArchitectureCPS Architecture
Card Personalization System
ExampleExample
A company wishes to control credit card expenses for sales personnel
Conditions: Business-related purchases limited to certain
establishments Restaurants Gas Stations Hotels Car Rentals Pharmacies
Transactions performed during work hours
Daily, weekly, monthly transaction amount limits
Limited to POS purchase
Minimum time interval between transactions
Card Personalization System
OpportunitiesOpportunities
Purchase card Immediately applicable to existing:
Credit cards – Personal & Corporate Debit cards Private label cards
Meal Vouchers Family Group Cards Co-Branded Cards Insurance Cards University Cards Pharmacy and Medical Cards Travel & Expense Cards Phone Cards Prepaid Cards: Open or Closed
Card Personalization System
ConclusionConclusion
Sigmenta Card Personalization System (CPS) is an
innovative and robust solution that enables card-
issuing institutions to instantly create new products
for their end customers, offering highly
personalized spending management. The system
implements Sigmenta’s innovative Synchronous
Transactional Technology (STT 4G®) to verify every
transaction against multiple, rich conditions before
it is approved.
Implementing CPS, financial institutions can present
new offerings to their cardholders, thus gaining
competitive advantage