Success Stories

Large US Bank
Large Mexican Retailer
Preauthorization Fraud checks

Yash@OmniPayments.com
Yash Kapadia, CEO
OmniPayments Inc

© 2014 Opsol.
The information contained herein is subject to change without notice
Cost Savings
• The Opsol pricing model is cpu based – ILF + Maintenance
• There are NO Transaction Volume related charges
• Reuse existing assets
− Trained technical team
− No new hardware
• Opsol Price Guarantee for existing HP NonStop customers
– we will be below or will match 50% of your total
operational costs

• 50% Savings
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OmniPayments Package $250,000*
• OmniPayments – switch replacement – ATM, POS
− OmniDirector – SOA transaction router
− OmniCrypto – PIN, Key management, Remote Key Loading
− OmniHub – Financial Operational Data Store
− OmniMessaging Email adapter for NonStop
− Acquirer Package - $250,000*
− Issuer Package - $250,000*
− Services for AS-IS Migration - $250,000*
− Individual modules - $20,000 per cpu
• OmniOffender – $2,000 system monitor
• License price is for small installations and includes License + 3 years support
• Services includes migration of current functionality
• Email Sales@OmniPayments.com for more information.

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 Software Factory
HP NonStop Application Programmers

4
4
Opsol Offices Worldwide

Corporate Office
Cupertino, USA

= Sales Offices

= Software Factory

© 2012 Opsol.
The information contained herein is subject to change without notice

5 5
Opsol Employees Worldwide
• India - 100 Employees

• Mexico – 20 Employees

• USA (California – Headquarter) - 20 Employees

• USA (Houston) - 5 Employees

• Colombia – 15 Employees

© 2012 Opsol.
The information contained herein is subject to change without notice

6 6
Switch Architecture
Acquirer Bank 1

Acquirer1 Interface Issuer1 Interface

Trans- Trans- Settle-

actions actions ment

Bank 2

Acquirer2 Interface Issuer2 Interface

Trans- Trans- Settle-

actions actions ment
BASE24 Classic sunset – US Bank
Success story
• 10 ISO interfaces
• 12,500 ATMs
• 40,000 POS devices
• 23,000,000 transactions per day
• 700,000,000 transactions per month
• BASE24 Classic sunset done in 9 months

Customer upgraded on existing hardware and stayed with

the platform. Customer is now ordering new HP NonStop
Blades processors – 16 cpus

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BASE24 Classic sunset – Retailer
Success Story
• 200 Stores
• 2000 Cash Registers
• BASE24 Sunset in 6 months

Customer purchased
new HP NonStop Blades processors
– 4 cpus

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Preauthorization Checks – Switch
Success Story
• Every transaction is checked for fraud conditions
• Limits checks - daily, weekly, monthly limits
• Amount checks
• Frequency checks
• Solution is a complement to BASE24 classic

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 Architecture
OmniDirector
OmniHub

11
11
Built around core data integration and
messaging technology, designed for NonStop
Business Monitoring
Payment
Suite of
security tools Omni Industry
Omni Dash
Crypto Omni ATM, POS,
Payments Switch
X-industry OmniDirector (RTID)
Omni Card
Omni
Management
CMS
Offers

Sales & Marketing OmniHub

optimization across Omni Pre
channels Orchestration and SOA Framework
TS Authorization
Omni
SCV Omni Omni Authorization
Messaging Auth
Channel Integration
Single Customer View Email, SMS
across the enterprise
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Architecture & Solutions
Business
OmniCryptoMonitoring
is a security solution for banks, retail, and
financial networks that manage and deploy unique keys Payment
for
Suite of automatic teller machines (ATMs) and point-of-sale (POS)
security tools Omni
devices. OmniCrypto also provides digital certificates and
Industry
signatures for e-commerce applications Key Features in the
Omni Dash
product are: SSL Tunnels Digital Certificates, Signatures,
Crypto Secure Email (SMIME) User Authentication and
Authorization Role Based ACL implementation 3DES PIN Omni ATM, POS,
and Password Management ATM/POS (ANSI X9.24)Unique
and Dynamic Key Management Data at Rest Encryption Payments Switch
X-industry OmniDirector
Omni Card
Omni
Management
CMS
Offers
OmniOffers & OmniSCView can provide the integration of
different channels like ATM, POS, Teller, IVR and Internet
banking channels and combine analysis of that dataOmniPayments
with solution is an open, SOA standards-
Sales & Marketing based architecture that delivers a reliable and scalable
optimization across OmniHub
customer product usage information from other legacy
systems to deliver targeted services and offers on acapability
per for today’s payments
Omniindustry. ThePrestructured
customer basis. design allows for the addition of new SOA Business Logic
channels
Orchestration and SOA Framework
Modules (BLMs) that can support
TS new featuresAuthorization
and
business functions as the market demands
Omni
ATM transactions POS transactions
SCView Omni Omni
Personalization Authorization
POS Purchase

Messaging Offers Auth Balance Inquiry

OmniHub is a leading data integration solution. It is installed
Single Customer View
in telecommunication, finance, retail and manufacturing Fast Cash Pre-authorizations
across the
industries. enterprise
These customers have targeted data, new and old, Mini-statement Cash Back
that required integration across their IT Multi Media
infrastructure to Messaging
deliver, better customer service, reduced operational costs, a Mobile Top-up Check Transactions
single view of their customer and analyze transactional Invoice Payments Cash Advances
13 activity
Cash Card Top-up
CX strategy shall address

HOW ? WHAT ?
Should brand be expressed Do customers need to
in all interactions accomplish their goals

Personality Content

Customers Devices
WHO ? WHERE ?
Are the customers, what are Do customers consume
their goals, how do they content
behave
The Experience Hub
ATM
POS

Acquirer
Web
Services
Fraud Pre Prioritization
S Screening Rules
Android + O Transaction Vault
iPhone In Single Customer Create the
A Money experience
Game View, Channel
Laundering
Purchases X Integration
Deliver
M Experience Experience
Email L Party Hub
Payments Model

Biometrics

EMV Individual Issuer Acquirer

Configuration Configuration Configuration
OmniPayments Approach
• OmniPayments provides a state of the art payment
services engine
• The solution uses a modern SOA framework making it easy
to add new Value Added Services
• Optional IT functionality includes
− OmniDash – Linux Dashboard for easy management
− OmniCrypto for comprehensive security
• Optional business functionality includes
− OmniHub that provides for channel integration
− OmniSCV that provides a Single Customer View
− OmniSI Server that provides stand-in processing
− OmniOffers that provide the ability to make personalized
offers across all channels including ATM

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OmniPayments Service Layers

BUSINESS SERVICES
OmniHub, OmniSCV, OmniOffers

CUSTOM SERVICES
Business Logic, Operations Logic, Adapters

INFRASTRUCTURE SERVICES
OmniConsole, OmniStandin, OmniDash,
OmniScheduler, OmniOffender, OmniCrypto

TRANSACTION SERVICES
OmniATM, OmniPOS, OmniSwitch

CORE SERVICES
Authentication, Routing, Transformations,
Logging, Load Balancing, Failover, Retry, Data
Management
Similarities !!!
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Core business functions (ATM/POS/Switch)
• Supports basic and advanced ATM
transactions and functions
− Cash withdrawal
− Account to account transfer,
customized sales & marketing, OmniPayments
envelope free deposits
• Supports basic and advanced POS
transactions and functions
− POS payments ATM POS Switch
− Cash card top up
• Supports key switch functionality
− Interchange/Switch Interfaces
e.g. VISA, MasterCard, AMEX,
NETS/eNETS, Shazam, STAR,
PROSA
− Message formats and translations
between ANSI, IFX and ISO8583
• Socket meters
− Real-time profit/loss by TXN
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OmniPayments Components

Monitoring &
Settlement

Reports
HP NonStop

Statistics
Admin

SMS Notification via SMS

Alerts
Email Exchange

Console Extract Reports Alarms Offender Host Card Maintenance

Fraud EWS, FALCON

Persistence
Monitor SOA, IFX D Applications
Transaction
Screening
Cleanup
Database ISO D VISA, MASTERCARD
Authorization
Scheduler
ISO VISA, MASTERCARD

ATM D NCR, Diebold, Wincor

POS D Hypercom, Ingenico

Replication Multi Node

Crypto Atalla, Racal

D Load Distributor SQLMX, SQLMP, Extenal interfaces Multiple processes

Enscribe

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ATM acquirer Flow – NOT-ON-US Card

OmniAuth
Transaction Screening

OmniATM TD ISO TD ISO FDR

Terminal

OmniCrypto
ATM acquirer Flow – ON-US Card

SOR
OmniAuth
Transaction Screening

OmniATM TD XML TD XML

Terminal

OmniCrypto
Architecture

Business Logic
Process
Request

Opsol Svcs Data

OD Store

Merchants
VISA, AMEX ….

Mobile Authorization Other Systems

Logger
HP Atalla
NonStop

OmniDash

Graphs / Stats
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Linux/Unix
Active - Active

Merchants OmniPayments VISA, AMEX ….

Node 1
Mobile Other Systems

HP Atalla
HP NonStop
Replicator

OmniPayments
Merchants Node 2 VISA, AMEX ….

Mobile Other Systems

HP Atalla
HP NonStop

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OmniDirector User Exits
Custom
ADAPTERS
Orchestration
SOA
MQ
http(s)
Tuxedo
CORE SERVICES Function 2 Corba
Function 1
Routing To ProviderEmail
Request from Provider
Data Orchestration Service
Security Invocation
Transformation
Function 4 Load Distribution Function 3
Failover/Retry
Data
Reply to client Reply from Provider
Multithreading

INFRASTRUCTURE SERVICES
OmniConsole OmniOffender
OmniLogger OmniDash
OmniScheduler

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BPPR Transaction Vault Components

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OmniPayments Integration with ACI BASE24
(1) TANDEM
Withdrawal

(2) PreAuth Request

WebServer
BASE24
EPS
- ISO8583 -
IS Preautorizador

(3) Approval /
Reject
JRN
L
BASE24
Classic
Rules Logs
Accuma-
lators
(4) Issuer
AUTH Approval

(5) Approved /
(6) Cash Basic Rules Denied
dispensed

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OmniPayments Dashboard

OmniDash

Statistics Statistics Statistics Operational and BI

SQL Database

TUXEDO
LOG SSL SCF Offender PTLF
MIB

Sensors

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OmniDash TCPIP Dashboard

28
System Dashboard

29
Signon Status

30
Transaction Log File

31
ISO 8583 Bitmap Configuration

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Sample User Exit
• When input is received TD invokes UserExit_Func_001
• Before sending to the provider TD invokes
UserExit_Func_002
• When the Provider replies TD invokes UserExit_Func_003
• To reply to the client TD invokes UserExit_Func_004

• ReturnCode UserExit_Do_Init ()
• void User_Exit_Do_Cleanup (long context)
• void User_Exit_Do_ShutDown ()

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Project 1 Delivery Schedule

Assumes contract signed before 6/01/14

8/1 9/1 12/1/2014

Phase 1 Delivered Phase 1 Certification Go Live
complete

9/1 10/1
Phase 2 Delivered Phase 2 Certification complete

10/1/2014 11/1/2014
Phase 3 Delivered Phase 3 Certification complete

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Project Deliverables
Project duration 3 – 6 months

Phase 1 – Month 1 Phase 2 – Month 2 Phase 3 – Month 3

VISA MasterCard AUTH

AMEX

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Opsol Summary
• Committed to successful implementations of HP NonStop
solutions
• Track record of working with HP
• Highly skilled implementation staff
• Strong, reference base of customers
• Proven HP developed software (100 man-years plus)
• Products listed in HP catalogue
• High Development Quality
• High Services Quality

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 Thank you !!

Yash@OmniPayments.com
4086669927