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Prism Payment Technologies. Llewellyn Walters Group Sales Director - Prism Holdings. VeriFone VIP Vendor Forum Athens 10 th – 11 th May2006. P Agenda. Prism – A short history The markets that we address The evolution of FlexiLANE What we had to work with… - PowerPoint PPT Presentation
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Prism Payment Technologies
VeriFone VIP Vendor Forum
Athens 10th – 11th May2006
Llewellyn Walters
Group Sales Director - Prism Holdings
P Agenda
Prism – A short historyThe markets that we addressThe evolution of FlexiLANEWhat we had to work with… The solution that we built FlexiLANE roadmap How can this benefit you?Questions and answers
Prism – A short history
4
Prism Early Days – 1994 to 1997
Started in 1994 as a buy-out of a payment switching business.
By 1997 had office locations;
• Fourways, Sandton (Head office) and Wynberg, Cape Town (Hardware and Software Development)
Staff complement;
• 15 in Johannesburg and 17 in Cape Town
• Comprising 80% software development and general engineering personnel
5
Company Milestones
2000…Acquire VeriFone South Africa
1999…• Acquire Prism TranSwitch Services (PTSS / EasyPay). • Prism lists on JSE.
1994…Prism founded as a result of a Management buy-out of Linkdata.
1998… • Sign up as VeriFone VIP.
• Buy chip card plant from TEMSA.
2001…• Acquire SMG from Nanoteq. • Expand operations into APAC and set up offices in KL.
2003…• BEE deal with Gijima Technologies (EasyPay empowered).
• Awarded honourable mention in TT100 programme.
2004…• Prism fastest growing VIP.
• Prism turns 10.
• Sign 10-year development agreement with Nasdaq-listed Radiant Systems, Inc
• Awarded 1st place for VTU in TT100 programme.
1994 1998 1999 2001 2003 2004
2005…• Prism Black empowered via MIC.
• Win IDC award for creativity in technology development.
• First in Africa to achieve FIPS 140-2 certification.
•Awarded 1st place for TSM410 in TT100.
2005
6
Prism Today - 2006
Turnover : $ 60m , Staff complement : 286
• 75% still software development and engineering support personnel
Currently being acquired by NASDAQ listed Net1UEPS (UEPS)
52
11
7
Prism Today – 2006 cont
Fourways – Head Office Administration Terminal Development Wireless DevelopmentCape Town Rondebosch – EasyPay Switch and VAS Operations Wetton – Development, Support and Repair FacilitiesDurban – Crypto Hardware and Software DevelopmentSprings – Smart Card Production PlantAsia – Sales and OPT Production officesUK and Europe satellite representation
P The markets that we address
9
The markets that we address Banking
• ABSA Bank (Barclays PLC)• BankServ • Barclays Bank PLC • First National Bank • Kenya Commercial Bank• Mercantile Bank of Lisbon • Nedcor • Rennies Bank • Stanbic • Standard Bank
Telecommunications• Axalto • Celcom • Giesecke & Devrient • Infineon • Marconi Communications • MTN Group• Oberthur • Smart Communications • Telkom • Vodacom
Retail• Clicks • Edcon Group • Makro • Pick ‘n Pay Group • Shoprite Holdings
Petroleum• BP • Caltex • Radiant Systems Inc.• Shell• Tas ‘Helat • Total
Utilities• Eskom • Various SA Local authorities • PayShop
Other• South African Post Office• DHL
The evolution of the FlexiLANE
11
PPS Requirement History - Asia
Petroleum Client with Prism OPT and 3rd party POS
• full payment server – Prism Payment Server is born
• switch integration
• full OPT and POS integration
• existing magnetic stripe debit/credit acceptance
• MEPS PMPC acceptance
Timing estimates• January 2000 - commence development• August 2000 - implementation
12
PPS Requirement History – SA Client
Shoprite - 2001 Need for a payment gateway for Large Multi-lane Retailer Supported Integrated ECR / PIN pad devices DOS based ECR’s Store Server Integration Value Added Gateway Application Server Remote device and server management - Netmons
Prism offered: Linux and Java based technology 3 tier Security approach Open Standards approach
13
PPS Requirement History cont
Integration into non-bank switch – EasyPay Support for Bull Vendstar POS Electricity vending for ESCOM – National Electricity Supply Migration to VeriFone PIN pads – thick client Bill Payment Phone top-up – fixed line and cellular operators (currently 4) Gift Vouchers / Gift Cards Private Label Card Schemes Upgrade from DOS to Windows ECR / Store server Integration into embedded 3rd party solutions – POSTEC EMV upgrade
14
Specific requirement : Petroleum
We had rolled out terminals into a major Petro group in SA, and had seen the problems faced by the merchants:• Reconcilliation of daily totals : Bank control• Payment problems• Site-wise velocity checking• General lack of control• Speed of VAS implementations• Multi merchant views• Payment device portability• Convenience store integration• Electronic backup• Etc…
• When we investigated further, we realised that we had all the components for the perfect solution , made easier by :
– Verix and portability to VerixV– VeriFone introduction of WiFi.
15
What we had to work with ….
16
Multi-Lane Payment Server
• Enabling merchants to maximise the benefits associated with adopting a retail-automation strategy.
• Seamlessly integrating with industry standard transaction security technology.
• Enables the merchant to handle all major payment tokens, accepted via a myriad of devices, for a host of different transaction types.
• Small software footprint allowing it to co-exist on legacy POS/Site Server infrastructure
17
FlexiGATE
• A Central Host that supports:– FlexiLANE platforms– Stand Alone VeriFone POS terminals
• Terminal Management– Hotcard management– BIN management– Terminal parameter / configuration
• Transaction Logging• Interface to Switch or Bank Host• Pushes FlexiVIEW heartbeat messages to
FlexiVIEW server• Value Added Services routing
18
FlexiGATE / FlexiLANE – Thick Client
TCP/IPRS422/ WiFi
Server Detail
Server Detail
FlexiLANE SolutionsArchitecture: High End Service
Pump Controller
SITE/ STORE SERVER
RS 485IFSF
TCP/IP
*POSTEC*POSTEC & VAGAS EMBEDDED
*Config Management*Key Management*Logging*Recon,Settlement*Device Monitoring and control
NETMONMonitoring
GUI
ALTOSFleet
TSM 220
NETMONMonitoring
SoftwareManager
ConfigManager
KeyManagement
DeviceControl
RS485
FlexiGATE
VCS410
BINSdBase
MessageHandler VAGAS
CAS
FlexiGATEMonitor
ConfigManager
VersionControl
DownloadManager
DeviceManager
TCP/IPRS422/ WiFi
BANK
PINPad
ECR
ECR
Bridge
PINPad
SWITCH
PRISM OPT
WiFi HUB
POS WiFiPortable
WebConfigTool
PINPad
Database
FlexiLANE
FlexiLANE – a Software Solution
19
Components for Forecourt / C-Store
20
The Bigger Picture - FlexiLANE
• Forms an interfacing and concentration layer
• Ability to interface with various payment and VAS devices simultaneously
• Contains a fully-fledged EFT processing engine
• Architectural flexibility
Oil Company
EasyPay
C-StoreTerminal
Dev
ice
Man
agem
ent &
Dow
nloa
ds
Mon
itorin
g &
Rep
ort d
ata
TCP/IPISO 8583
Acquirer
File Transfers
File and SiteManagement
Bank
Config &Monitoring
FuelStationSystem
WiFiTerminal
GPRSAPN
GPRSantennae
* EmbeddedFlexiLANE
Acquiring Bank
FlexiGATE
Settlement& Recon
TCP/IPXML
*
Hotcard filesBIN files
21
The solution that we built
22
FlexiGATE / FlexiLANE Thin Client
POS Aggregatorand Network Hub
Server Detail
FlexiLANE SolutionsArchitecture: Low End Service
Pump Controller
SITE/ STORE SERVER
*Config Management*Key Management*Logging*Recon,Settlement*Device Monitoring and control
NETMONMonitoring
GUI
FlexiGATE
VCS410
BINSdBase
MessageHandler VAGAS
CAS
FlexiGATEMonitor
ConfigManager
VersionControl
DownloadManager
DeviceManager
BANK
SWITCH
Vx610 WiFiPortable
WebConfigTool
FlexiLANEVeriFonePOS devices
File Transfer
OnlineTransactions/Message
RouterFlexiLANEStandaloneTerminalTransactionProcessor
0600 versionmessageprocessor
External GPRSModemorX25 Modem
Internal Wi Ficard, 3 IP and 1RS232 ports
VX510Ethernet
23
FlexiLANE Menu of Services
24
FlexiLANE Server- Specification
Hardware Description 2.5” HHD - IDE UltraDMA-33 controller – 40Gb HHD (scalable) Microprocessor - 266 Mhz 586 class Geode single chip processor Memory - 128 Mbytes SDRAM External Ports - Three 10/100 Mbit Ethernet ports, 1 RS232 port USB 1.1 external interface Internal Slots - Slot for solid state Compactflash storage Low power 3.3V PCI slot Slot for miniPCI type II board 2 x RS485 serial ports Wireless Modem -Internal Local Area Wireless WiFi card 802.11b
25
FlexiLANE - Specification
Software Description
Base firmware modules and database for FlexiLANE payment engine• Linux Mandrake 10.0 distribution • Linux kernel version 2.6.11.3, modified to accommodate
hardware.• Apache 2.0.54• MySQL database version 4.0.20• PHP version 4• Java JRE 1.4.2
Prism supplied EFT payment engine Prism supplied thin client software / API for Vx and SC5000
platforms Key injection tools
26
FlexiLANE – Prism Toolkit
Software Description
Prism supplied thin client software / API for Vx and SC5000 platforms
Key injection tools Message interface specification to support host development
• SDK for this on roadmap as future deliverable.
27
FlexiLANE
Scaleable for use in any merchant which has 2 or more devices
Use in Retail, Hospitality, Multi-merchant and Petroleum locations
Support for RS232,485,422 and TCP/IP based POS devices• VeriFone Omni3750, Vx devices• VeriFone SC5000 PIN pad• Prism OPT
Slim-line version• Combined POS aggregator and Network hub for smaller locations
• IFSF Support
28
FlexiVIEW
29
FlexiVIEW Monitor
Features and Benefits
• Asset management
• Monitors POS estate
•By region or as required
•Software versions
•Hardware types
•Used by
•Client Business & IT
•Support teams, etc.
30
FlexiVIEW Monitor cont
Features and Benefits
•Dashboard monitor
•Country
•Regional
•Merchant location
•Customised alert parameters
•Create reports on demand
31
FlexiVIEW Monitor cont
Features and Benefits
•ECR / POS lane view
•VAS network interfaces
•Host interfaces
32
Some pictures
33
Merchant Counter Clutter!
*Special thanks to our Greek VIP counterpart PRINTEC
34
Site Pictures – Vx610 WiFi
An open and shut case for Vx610’s!
35
Site Pictures – Vx510 Ethernet
Versatile use of Vx510 Ethernet
36
Site Pictures : FlexiLANE components
37
Strategic roadmap
38
FlexiGATE
FlexiPOSTM
• Device Management• Single Point of Service• Portable Terminals• Dr & Cr & EMV Capable
Omni & Vx
2.01 FlexiLANETM
• Support “Old” Thick client WiFi terminals as a Communications hub.
• Terminal BINs, SAF via existing Terminal Gateway
• Support for Thin or Thick SC5000 and Vx510 / 610 terminals
•FOCUS ON THIN CLIENT THEREAFTER
• FlexiVIEW (Netmons) as per currently deployed
• No additional validation of transactions processed via the platform
• Routing and logging only
• Can support SAF
• No stand alone terminal viewing via FlexiVIEW yet
Value Added Services
• WiFi• Vx610• Portability• Debit Cards
Strategic Roadmap – FlexiLANE 2.01
Q4 2005up to Q3 2005
39
2.01 FlexiLANETM
New Value Added Services
Strategic Roadmap – FlexiLANE 2.02
Q4 2005
2.02 FlexiLANETM Q2 2006
• Multi Client / Multi Merchant support
• Can have Crypto if required – 3 tier for off-line payment schemes
• File management and Terminal Management via common web based GUI’s
• ECR integrated devices / prompt for ECR lane
• Retail and Petroleum marketplace supported
• Transactional view per client
• Can have additional transaction validation by BIN and Velocity checking
• STAND IN capabilities
• Bed down the customer specific requirements
• Expose technology to VIP’s as a potential channel
40
2.02 FlexiLANETM
Strategic Roadmap – FlexiLANE 2.03
Q2 2006
2.03 FlexiLANETM Q1 2007
• Stand Alone Omni and Vx device support via FlexiGATE / FlexiVIEW GUI’s
• Support for VAS Risk Management
• Other VAS supported
•Bill Payment
•Card based Gift Voucher
• SAF – Pass through mode
• Reconciliation and settlement
• Pump Interface for POSTEC, PEC (Shell SA specific now)and ANOTHER
• Support other Prism Payment products via FlexiVIEW for monitoring only
• Installation and Configuration Wizards
• Performance Measurement and Tuning
• SDK for Source and Sync node development by 3rd party developer
41
What are the benefits to you?
42
Benefits to you, the VIP…
This solution drives device sales – big time!• .. And not just one device type, Vx, SC, and OPT can integrate.
It’s the neatest solution for any site that has more than 2 devices, and the real beauty to the merchant is:• RECONCILLIATION – LIKE THEY’VE NEVER EXPERIENCED!• Our competitors don’t have anything like it….the software is the
differentiator..
Prism will license the software components to the VIP and have made available the API for the thin client….
Prism will sell the FlexiLANE server to you.
Its ready and demonstrable, right here.
43
Questions & Answers
Thank you!
Demonstrations available…
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