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Unisys Open Payments Platform Breaking the barriers to a profitable payment business Payments have been a cornerstone business for banks, representing as much as 40% of their revenue and profits. But payments revenue and profit is under unprecedented pressure. New regulations such as Check21 in the United States and the Single European Payments Area (SEPA) in Europe are changing the rules for handling payments. Compliance with stringent privacy and security requirements, such as the Cardholder Information Security Program (CISP), has increased costs. Non-traditional competitors such as PayPal and Walmart pose new market challenges. Above all, changes in consumer behavior—for instance, preference for electronic payment to replace paper and cash payment— are shifting the payment volumes and negatively affecting the cost and revenue models. Banks need flexible Enterprise Payment solutions that manage payments transactions from any source to any destination, adapt to the new market, and accommodate the regulatory and competitive pressures. The new solutions need to transform the legacy payment systems in a progressive, non-disruptive, and cost-effective manner. The new payment solutions must be able to scale and adapt to future needs. Open Payments Platform transforms payments business Unisys has developed an Open Payments Platform to meet the demands faced by banks in maintaining and growing their payments business. The Unisys Open Payments Platform is based on a Service-Oriented Architecture (SOA) Bank Payment Hub—from Unisys partner Clear2Pay—that includes proven components for external interfaces, and for the validation, processing, and management of payments. The components can be quickly orchestrated with Business Process Engineering Language (BPEL) rules into next-generation payment solutions. The Bank Payment Hub can reuse components to process any type of payment; by normalizing the payment type to ISO 20022. A powerful Software Development Kit (SDK) that enables easy modification of existing components and creation of new ones complements the Bank Payment Hub. A Payments Landing Zone feature of the Open Payments Platform consolidates data from multiple payment types and multiple sources into a single enterprise view. In addition, Unisys and Oracle have jointly developed a Payment Business Intelligence Accelerator as an optional service for the Open Payments Platform. It enables financial institutions to manage their payments business more effectively by monitoring key performance indicators (KPI) in enterprise-wide dashboards and reports. With the Open Payments Platform, banks can consolidate redundant payment functions to reduce infrastructure costs, manage payments operations across multiple product lines, and adapt to changing regulatory requirements and market demands.

Unisys + C2P OPF

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Page 1: Unisys + C2P OPF

Unisys Open Payments PlatformBreaking the barriers to a profitable payment business

Payments have been a cornerstone business for banks,

representing as much as 40% of their revenue and profits.

But payments revenue and profit is under unprecedented

pressure. New regulations such as Check21 in the United

States and the Single European Payments Area (SEPA) in

Europe are changing the rules for handling payments.

Compliance with stringent privacy and security requirements,

such as the Cardholder Information Security Program (CISP),

has increased costs. Non-traditional competitors such as

PayPal and Walmart pose new market challenges. Above all,

changes in consumer behavior—for instance, preference for

electronic payment to replace paper and cash payment—

are shifting the payment volumes and negatively affecting

the cost and revenue models.

Banks need flexible Enterprise Payment solutions that manage

payments transactions from any source to any destination,

adapt to the new market, and accommodate the regulatory

and competitive pressures. The new solutions need to

transform the legacy payment systems in a progressive,

non-disruptive, and cost-effective manner. The new payment

solutions must be able to scale and adapt to future needs.

Open Payments Platform transforms payments businessUnisys has developed an Open Payments Platform to meet

the demands faced by banks in maintaining and growing their

payments business. The Unisys Open Payments Platform is

based on a Service-Oriented Architecture (SOA) Bank Payment

Hub—from Unisys partner Clear2Pay—that includes proven

components for external interfaces, and for the validation,

processing, and management of payments. The components

can be quickly orchestrated with Business Process Engineering

Language (BPEL) rules into next-generation payment solutions.

The Bank Payment Hub can reuse components to process any

type of payment; by normalizing the payment type to ISO

20022. A powerful Software Development Kit (SDK) that

enables easy modification of existing components and creation

of new ones complements the Bank Payment Hub. A Payments

Landing Zone feature of the Open Payments Platform

consolidates data from multiple payment types and multiple

sources into a single enterprise view. In addition, Unisys and

Oracle have jointly developed a Payment Business Intelligence

Accelerator as an optional service for the Open Payments

Platform. It enables financial institutions to manage their

payments business more effectively by monitoring key

performance indicators (KPI) in enterprise-wide dashboards

and reports.

With the Open Payments Platform, banks can consolidate

redundant payment functions to reduce infrastructure

costs, manage payments operations across multiple product

lines, and adapt to changing regulatory requirements and

market demands.

Page 2: Unisys + C2P OPF

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Break performance, reliability,and cost barriers All electronic payment volumes are increasing with no end to

growth in sight. The Unisys Open Payments Platform provides

a cost-effective solution that can scale and adapt to meet the

changing business needs. By leveraging industry standard

software and commodity hardware, it breaks the performance,

reliability, and disaster recovery barriers—achieved in the past

with expensive, inflexible, and silo mainframe solutions. The

Open Payments Platform supports choices for the underlying

infrastructure. It is compatible with operating systems such

as Linux that support standards-compliant J2EE Application

Servers, BPEL engines, and relational databases on today’s

most popular computer hardware platforms.

In benchmark tests conducted with partners Oracle and

Clear2Pay, Unisys demonstrated that the Open Payments

Platform, including the Clear2Pay Bank Payment Hub, can

process more than 17 million electronic check images in the

industry X9 Standard, along with associated data, in 40

minutes. These high performance results achieved inbound

and outbound payment throughput rates of 8,100 and 6,800

transactions per second respectively.

To achieve these impressive results, the test was conducted

with Unisys ES7000/one Enterprise Servers based on Intel

processors running the Clear2Pay Bank Payment Hub, the

Oracle 10g Enterprise Database, IBM WebSphere, Red Hat

Linux, and the Unisys SafeGuard 30m business continuance

solution. The benchmark test included demonstrating the

secure, robust failover capability of the Open Payments

Platform that ensures that it keeps working within a site if

any component fails. Reliable disaster recovery to a remote

site in less than 30 minutes was also verified.

Enterpriseservicebus

Mes

sage

bas

ed p

aym

ents

POS

Creditcards

Debitcards

ACH

Check

Swift

Bulk

dat

a so

urce

s

Remotecapture

Imageexchange

Messageimport

Third-partypayment SOAcomponents

Third-party fraud, ALM, and other SOA components

LegacyPayment systems

Processorchestration

Message and file processing

Authenticatesource

Validateformat

Normalizedata

Route

Business Processes

Reconciliation

Accountposting

Settlement

Aggregatetotals

Externalprocesses

Rules engine

Payment hub

Payments repository

Paymentdatabase of

records

Landing zone

Payments Intelligence

Datamarts

Executivedashboards

Portals

Query andreporting

Embeddedreporting

Data miningAnalytics

Activitymonitoring

Real-timedecisions

OLAP cubes

Analytics and reportingPayment repository

Customerinformation

archive

Unisys Open Payments Platform

Page 3: Unisys + C2P OPF

3

Solve today’s most demandingpayments challenges The Open Payments Platform Bank Payment Hub has been

proven to adapt quickly to new business challenges.

In developing the platform, Unisys and partner Clear2Pay

have focused on components for the Open Payments

Platform Bank Payment Hub that can be orchestrated to

solve the most demanding payment challenges of today.

For example, integrated solutions are available to solve the

following challenges:

• Electronic check and image processing to meet Check21

market requirements

• Flexible input, processing, and clearing for any type of

Corporate-to-bank payments

• SEPA direct debit and SEPA credit transfer

regulatory requirements

• Person-to-person cross-border remittance; for example,

from the U.S. to Mexico

• High-performance and cost-effective replacement for aging

legacy wire transfer solutions

• Role-based management, dashboards, and reports for

payment business intelligence

End-to-end throughput and CPU utilization

12000

11000

10000

9000

8000

7000

6000

5000

4000

3000

2000

1000

0

Tran

sact

ions

per

seco

nd (TP

S)

Perc

ent

CPU

utiliz

atio

n

Minutes

100

90

80

70

60

50

40

30

20

10

01 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33

Application server 2 CPU

Application server 1 CPU

Database server CPU

MQ series server CPU

Submitter TPS

Image validation TPS

Issue processor TPS

Trendline–outbound flow

Trendline–inbound flow

Parse and validate TPS

Page 4: Unisys + C2P OPF

For more information visit www.unisys.com

Specifications are subject to change without notice.

©2008 Unisys Corporation.

All rights reserved.

Unisys and the Unisys logo are registered trademarks of Unisys Corporation. All other brands and products

referenced herein are acknowledged to be trademarks or registered trademarks of their respective holders.

Printed in the United States of America BL08-0241 10/08

*BL100308-100*BL100308-100

Benefits The Unisys Open Payments Platform modernizes a bank’s

payment solutions to drive revenue growth, improved

business agility, lower costs, and reduced risk and liability.

The resulting payment environment has several benefits:

• SOA component solutions incrementally transform aging

legacy payment systems

• Standards-based software on commodity hardware lowers

costs and adapts easily

• Scales incrementally to meet growing performance demands

• Provides mission-critical reliability and disaster recovery

• Single solution platform for multiple payment types eliminates

silo redundancy and improves security and compliance

• Quickly meets new market requirements using the existing

components and SDK

Unisys approach to enterprise payment solutions Our strategy for Enterprise Payment Solutions is based

on Unisys 3D Blueprinting™ approach, which brings together

our entire portfolio of competencies. This approach and its

associated 3D Blueprints™ help jump-start the client

engagement and enable companies to see the interconnections

among the core dimensions of their business.

• A proven approach: Our 3D Blueprinting links strategy,

process, applications, and infrastructure to deliver secure

end-to-end services and reduce implementation time, cost,

and risk.

• Fast start: Unisys Open Payments Platform with the

Clear2Pay Bank Payment Hub provides proven components

and integrated solutions to quickly meet today’s critical

payment challenges.

• Insight and innovation: Unisys payments experts have

been providing innovative payment solutions and services

in every geography for over 50 years.

• Global and complete: Unisys provides end-to-end

payments solutions and services with global resources and

presence—all with a single point of accountability. We

have the resources, expertise, and approach to deliver

economic value at the enterprise scale.

• High-performance technology: Unisys ES7000 servers

enable superior performance and reliability.