Turnkey EFT Processing Platform

jhaPassPort™

Every bank needs a secure, reliable, end-to-end processing platform for electronic funds transfers –

the fastest-growing type of financial transaction. Jack Henry Banking offers a turnkey EFT platform that

supports diverse banks’ e-commerce strategies and powers the high-demand electronic services required

to meet customer expectations and compete in today’s financial services industry.

Providing your customers with the ability to access their bank accounts and perform financial transactions 24/7/365 is not an option anymore – it is a necessity. An integral part of the overall favorable customer experience is the reliability and security of your bank’s ATM and debit card offering, and the seamless availability of funds in a world that is increasingly dependent on paying with plastic.

In order to offer the convenience-driven services and the breadth of features your customers expect, your bank needs EFT processing solutions that are secure, comprehensive, integrated, and that provide the flexibility to support unique operating environments and the constantly evolving marketplace.

jhaPassPort is a comprehensive suite of state-of-the-art software systems and production-proven services that can keep your bank on the cutting edge of the EFT industry with an array of competitively distinct features and functions that are fully integrated with Jack Henry Banking’s core processing systems – SilverLake System®, CIF 20/20®, and Core Director® – and with select complementary products including StreamLine Platform Automation®, NetTeller Online Banking™, Vertex Automation System™, and the InTouch Voice Response® telephone banking system.

Our single-source EFT solution incorporates one of the largest switches, in-house and outsourced ATM driving and transaction authorization and processing solutions, innovative fraud detection and prevention solutions, debit card portfolio optimization, marketing support solutions and programs, and a first-of-its-kind fully automated ATM channel management system.

jhaPassPort SwitchATM and Debit Card Transaction Processing Solution

Jack Henry & Associates is one of the largest switch processors in the United States. Hallmarked by single-point settlement, high availability, and 24/7/365 support, the jhaPassPort switch is responsible for secure transaction processing through banks’ ATM and debit card networks.

jhaPassPort enables your customers to use their ATM and debit cards for cash withdrawals at any ATM, and debit cards for purchases at any Visa® Check, Discover® Debit, or debit MasterCard™ retail point-of-sale (POS) worldwide. This turnkey service processes all PIN and signature-based card transactions initiated by customers throughout banks’ proprietary ATM networks, regional and national ATM and debit card networks, and retail point-of-sale terminals.

This solution leverages a high-speed, extremely reliable environment to efficiently support your bank’s specific operating environments and to process transactions in either online or batch environments.

jhaPassPort supports traditional self-service cash transactions as well as advanced ATM services including customer-selected PINs, cash and check deposits, and dispensing of noncash media such as postage stamps. jhaPassPort also supports surcharge free networks enabling your customers to easily locate and use surcharge-free ATMs. The jhaPassPort switch automatically monitors the functional status of each ATM in your bank’s network and generates immediate terminal-specific alerts if issues arise.

jhaPassPort is an extremely cost-efficient solution that can leverage existing branch telecommunications or the same data circuit used by Jack Henry Banking’s NetTeller Online Banking solution, eliminating ATM-related communications costs. It requires a

jhaPassPort – The Single-Source Solution

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single connection to continuously process transactions through all major national and regional ATM and debit card networks. These sophisticated routing capabilities ensure that each transaction is efficiently processed and the continuous settlement capabilities ensure accurate, timely settlement with all major networks.

This service supports the industry’s highest security standards, enforcing triple DES encryption, and various levels of fraud detection and protection are available ranging from the ability to block card use by country and/or predetermined MCC (Merchant Category Codes) codes to sophisticated fraud scoring of each transaction through the jhaPassPort Fraud Center. jhaPassPort also leverages Verified by Visa and MasterCard SecureCode™, and performs host-based PIN verification, CVV checking, track 1 name matching, and other edit checks.

jhaPassPort streamlines research and exception management with the automatic consolidation of all transaction information into a single accessible database, automates historically time-consuming functions including address maintenance and new card ordering, and offers a user-friendly reissue program for expiring or compromised cards.

This sophisticated EFT solution accommodates dynamic operating environments, the ongoing addition of ATM terminals, and seamlessly supports near- and long-term transaction volume growth.

This cost-effective, highly reliable solution can enable your bank to generate new revenue streams from cardholder fees and interchange income, enhance customer service and convenience, reduce operating costs, and enhance operating efficiencies through state-of-the industry ATM and debit card programs. The ability to continuously monitor card use also provides your bank with a robust database that can be used to support target marketing and incentive programs, and maximize interchange income.

jhaPassPort is fully integrated with Jack Henry Banking’s core processing solutions – SilverLake System, CIF 20/20, and Core Director – and our sophisticated transaction processing and authorization solutions – jhaPassPort.pro and jhaPassPort Direct.

In-House and Outsourced Authorization PlatformsThe jhaPassPort switch leverages two bank-centric authorization platforms – jhaPassPort.pro and jhaPassPort Direct.

jhaPassPort.pro – In-House ATM and Debit Card Transaction Authorization Processing jhaPassPort.pro is an online transaction authorization solution that provides your bank with the ability to fully control its ATM and debit card operations in-house and enhance and streamline transaction processing in a high-speed, extremely reliable and secure environment. jhaPassPort.pro provides the sophisticated software that you need to authorize and process online, ATM, PIN and signature point-of-sale (POS), and Internet purchase transactions. This in-house solution is parameter-driven and allows the functionality to be customized to seamlessly support your specific and evolving processing requirements.

jhaPassPort.pro also streamlines your operations through full integration with select Jack Henry Banking complementary solutions including StreamLine Platform Automation, Vertex Teller Automation System, NetTeller Online Banking, and InTouch Voice Response.

This robust system is certified with all national switching and processing networks including Jack Henry Banking’s proprietary jhaPassPort switch, and offers ATM driving as an option. jhaPassPort.pro is compatible with all major ATM models, provides

operational availability that exceeds industry standards, supports multiple network connections, is Check 21 compliant, and enforces triple DES encryption standards.

jhaPassPort Direct – Outsourced ATM Driving and Transaction Authorization jhaPassPort Direct delivers the sophisticated functionality of jhaPassPort.pro in an outsourced environment regardless of the Jack Henry Banking core processing platform. This unique operating environment enables in-house banks to realize the same online authorization pricing advantages that have traditionally been available exclusively to outsourced banks wanting to avoid license and maintenance fees.

jhaPassPort assumes full responsibility for ATM terminal driving and the authorization of ATM and debit card transactions. Using direct connections with the jhaPassPort switch and full integration with our core processing systems, jhaPassPort Direct authorizes transactions based on account balances rather than the prior-day account balances available in batch processing environments.

This low-cost solution also eliminates the inherent challenges associated with ATM maintenance, fully automates balancing, reduces ATM downtime, and generates comprehensive transaction activity reporting. A sophisticated ATM Web portal enables your bank to maintain a significant amount of control and flexibility with the ability to send commands, view ATM cash positions, and much more from remote locations including branches or home.

jhaPassPort Direct provides banks anytime access to ATM journals through a sophisticated online portal, eliminating the manual process of pulling the information from the physical machine. Cardholder and transaction information is available through an integrated card management system that resides on the host, eliminating the need to access separate systems.

jhaPassPort Direct also leverages the sophisticated jhaPassPort.pro card management tools. jhaPassPort Direct can streamline your daily processes and operations, improve customer service by increasing ATM uptime, and generate lower operating costs. This outsourced solution also improves disaster preparedness by storing data at production-proven back-up sites with an extensive disaster recovery infrastructure.

Fraud Detection and Prevention SolutionsJack Henry Banking’s EFT fraud detection and prevention solutions enable your bank to proactively protect itself and its customers from fraud and financial losses, and support compliance with related regulatory requirements.

jhaPassPort Fraud Center – Outsourced EFT Fraud Detection and Prevention Service The jhaPassPort Fraud Center identifies and limits the volume of card fraud in a timely manner that minimizes cardholder impact. This managed fraud service leverages an intelligence solution that deploys neural network technology and cardholder profiling to identify fraud patterns as they occur, 24 hours a day, 7 days a week, 365 days a year. This sophisticated solution helps your bank proactively manage the risks associated with ATM, Visa Check, Debit MasterCard, and Discover Debit card transactions.

This solution builds profiles of each cardholder’s spending habits and uses the information to determine normal and abnormal spending behavior. Using an intelligent scoring system, Fraud Center then rates ongoing transactions based on risk ratings. This advanced process scores transactions outside the critical authorization processing path so that meaningful results are consistently obtained and false positive rates and cardholder impact are minimized.

jhaPassPort Fraud Center generates alerts based on rules, models, cardholder spending habits, and logic that detect possible fraudulent activity within minutes of the transaction. High-risk transactions are identified and acted upon by a jhaPassPort fraud analyst who contacts the cardholder to verify the legitimacy of the transactions. If fraud is confirmed, the card is immediately disabled to prevent further activity. If the cardholder is not available to confirm the activity, the card is set to a “blocked” card status pending further investigation.

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jhaPassPort Fraud Center generates detailed reporting including a fraud alert detail report that is e-mailed to your bank after a fraud event occurs, a daily fraud alert summary that includes cases and statuses for a particular day, a monthly statistics report that shows a day-by-day account of fraud cases, and an ATM exceptions report that flags missing or inconsistent CIF information.

Yellow Hammer™ EFT Fraud Detective™ – In-house EFT Fraud Detection and Prevention Solution Offered exclusively for Jack Henry Banking’s jhaPassPort.pro clients, Yellow Hammer EFT Fraud Detective leverages industry leading fraud expertise and proprietary technology to automatically monitor ATM, point-of-sale (POS), and merchant transactions.

This innovative system determines average pre-authorization account activity and automatically monitors each account to identify suspicious activities based on violations of established rules and transaction, card, and terminal abnormalities. Transaction abnormalities are based on abnormal geographic location, number of EFT transactions, and merchants. Card verification abnormalities are based on card expiration, number, and activation. ATM/POS terminal abnormalities are based abnormal location or user. The risk associated with each abnormality is automatically rated and immediate alerts of potentially fraudulent transactions are generated.

jhaPassPort Hot Card Center – Lost and Stolen Card Management Solution jhaPassPort Hot Card Center is a 24/7/365 hotline that your customers can call to report lost or stolen cards. Jack Henry Banking’s experienced Hot Card Center representatives answer, record, and respond to each case promptly and thoroughly. A hot card status is placed on the host and the jhaPassPort switch, and an electronic message is sent to Cirrus®, PLUS, MasterCard, and Visa. Daily Hot Card Service Detail Reports are generated to document your bank’s hot card activity for the previous day.

Customer RewardsjhaPassPort Extra Awards – Debit and Credit Customer Rewards jhaPassPort Extra Awards is a loyalty awards program that offers tremendous flexibility, enabling banks to satisfy the demands of cardholders and reinforce loyalty by awarding points for using credit, debit, and ATM cards. Participants can view their point totals and redeem them for travel, gift cards, or cash using a single intuitive Web portal. Travel can be booked on this portal in an environment similar to popular online travel services. Award points can be “householded” across BINs, so purchases from multiple cards accumulate in a single account. Banks can set accumulation ratios, create temporary promotions, support charity awards, or offer bonus points for shopping at specified merchants. jhaPassPort Extra Awards enable banks to increase profitability by growing deposits and attracting and retaining customers while strengthening customer loyalty and competitive position.

Marketing SolutionsJack Henry Banking offers proven marketing solutions that empower your bank to deploy sophisticated technology and leverage proven promotional campaigns to improve dynamic EFT strategies and card programs.

jhaPassPort Debit Optimizer – Debit Card Program Segmentation and Trend Analysis This Web-based application effectively tracks debit transaction volume, providing your bank with the ability to manage debit card portfolios more efficiently. Cards and transaction volumes are the two primary elements that drive this dynamic

management tool; cardholder and account data are the secondary elements. jhaPassPort Debit Optimizer takes these components, combined with grouping mechanisms and reporting interfaces, and consolidates millions of pieces of data to present you with dashboard displays designed to track, manage, and report on debit card usage and performance. This managed data is crucial when implementing debit card programs to maximize revenue and increase cardholder satisfaction.

Debit Optimizer provides the tools to understand and improve the revenue impact of debit by unique segments. This solution analyzes card profitability and creates actionable campaigns to impact cardholder behavior and drive revenue. Debit Optimizer can benefit your bank by motivating card usage, increasing “share-of-wallet,” and allowing you to define and measure marketing campaign success.

Debit Optimizer consists of three levels that can be implemented in any combination to support unique operating environments:

■ Level 1 – executive dashboards, dynamic Web-based transaction reporting

■ Level 2 – custom segmentation, detailed transaction analytics, marketing campaign tools, card profitability

■ Level 3 – virtual card manager, ask-an-expert service, annual portfolio review, access to managed marketing campaigns

jhaPassPort Promotions and Consulting Services – No-cost Marketing Support Programs jhaPassPort’s Promotions and Consulting Services offering is a no-cost service that can assist your bank with staying out in front of the industry changes that affect today’s debit card market.

The Promotions and Consulting Services include:

■ Consulting for Upcoming Promotions – These professional consulting services can help you plan successful promotions. Expert guidance is available during any stage of upcoming or ongoing promotions including analyzing transaction data before the promotion begins or after the promotion ends, accurately selecting target and control groups of cardholders, marketing the promotion, sourcing creative pieces, and or fulfilling the prize(s).

■ Data Analysis – Professional assistance is available to help your bank analyze ATM and debit card transaction data using jhaPassPort Debit Optimizer or other data analysis utilities. These strategic planning services are intended to help you execute the most successful, least expensive campaigns for your unique cardholders. The proven process encompasses preplanning, goal setting, timeliness, and establishing the benchmarks to accurately measure campaigns and promotions.

■ National Debit Card Promotions – Campaigns specifics, deadlines, and ongoing updates are organized and published online – www.passporteft.jackhenry.com – for debit card promotional programs sponsored by Visa, MasterCard, and Discover cards. This service enables your bank to take full advantage of the creative promotional incentives and pieces sponsored and funded by the national debit card providers.

Channel Management SolutionsATM Manager Pro – ATM Channel Management ATM Manager Pro is a first-of-its-kind system that can enable your bank to proactively and effectively manage its ATM channels in an automated, centralized environment. This modular system supports every aspect of ATM channel management by consolidating ATM-related information into a centralized database and providing the analytical and reporting tools required to continually evaluate network performance, improve channel strategies, and align your ATM channels with customer needs.

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Four integrated modules identify specific opportunities to reduce operating costs and improve operational efficiency and controls across multiple business units and functions. These modules and their optional components are seamlessly integrated to create a complete back-office infrastructure but are designed for flexible implementation based on the unique needs of diverse ATM deployers.

ATM Manager Pro consists of four modules that can be implemented individually or as a comprehensive management solution:

■ Asset and Site Management Module, the core component of the ATM Manager Pro product suite, consolidates and manages asset, terminal location, and transaction information. The asset information maintained includes each automatic teller machine’s serial number, manufacturer, model, and location history. The terminal location information tracked includes terminal identification, ownership, vendor affiliations, groupings, cash forecasting and replenishment settings, and settlement information. This module’s virtually unlimited transaction information includes summaries of each terminal’s daily transactions that are automatically imported from the respective switch or third-party processor. Sophisticated transaction analysis can be performed based on more than 55 transaction buckets including deposits, withdrawals, inquiries, statements, and denials; and advanced transactions such as bill pay, check cashing, pre-paids, EBT, and foreign activity.

■ Financial Management Module automatically generates detailed and customizable financial statements by terminal location. Income and expense equations, and multiple and tiered contract terms are maintained by location group and site. Monthly fees, cash liability costs, cash loan/transportation costs, and more than 55 daily-level transaction buckets can be used to calculate accurate month-end results. These calculations can support the most granular level – a single ATM location analyzed by month – that enables the results to be reported by group and desired time frame in order to analyze each site’s ongoing performance beyond the frequency of a withdrawal versus a deposit. This module is instrumental in ongoing budget development, new site ROI analysis, and monthly reporting to off-premise merchants for site lease payments and revenue sharing agreements. The Financial Management module can also be used to verify third-party vendor invoices, and analyze depreciation and other “soft” accounting elements. Each ATM deployer can customize its view of an ATM’s financial contributions and costs.

■ Cash Management Module monitors, forecasts, orders, and settles cash throughout the entire cash cycle. Each location can be defined with unique parameters including denominations, alternative media, maximum cassette loads, order lead times, and replenishment schedules. The transactions maintained in the Asset and Site Management module monitor each terminal’s cash level, forecast an anticipated cash-out date, and recommended dates and amounts to deposit in the terminal. An average-based algorithm generates cash order recommendations with user-defined and site-specific “pad” days that ensure automatic teller machines are adequately supplied with cash. Users can populate the system in advance with unique events and/or days that are expected to require increases or decreases in cash, and automatically adjust order amounts to accommodate these events. Following the creation of cash orders, the system’s cash accounts are automatically debited, and the module awaits confirmation and settlement of cash loads. The armored carrier information can be imported to confirm cash deliveries, perform over and short analysis, and make automatic adjustments.

For more information about Jack Henry Banking®, or to schedule a demonstration or talk to an existing user, email askus@jackhenry.com, call 417-235-6652, or visit www.jackhenrybanking.com.© 2015 Jack Henry & Associates, Inc.®

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■ Event Management Module enables users to open, assign, and track location-specific events including service, move-add-change tickets, upgrades, installations, and other user-defined events. Linked events and multiple step events can be supported. Each event contains notes and time stamps to track the history of the ticket. Reports by event and event type can be generated, and a supply inventory and order utility can be used to manage the flow of supplies to deposit at each location. New terminal deployments, upgrades, and service calls are often managed separately with limited reporting to the automatic teller machine channel management team. This module changes that by seamlessly linking the history of every location-specific open event. This module is also extremely beneficial for multipart events such as installations since it allows users to define the event-specific steps, schedule each step, assign the required tickets to specific individuals, and track the completion of individual tasks and the entire event.

For more information about jhaPassPort, to schedule a demonstration, or to talk to an existing user, contact us at askus@jackhenry.com.