Solutions - SmartVista Products

Solutions

BPC SmartVista Suite is designed to support every aspect of business related to plastic card or smart chip cards and electronic payment processing. Depending on the business requirements of our customer’s organisation and its place in the payment processing value chain, each implementation is composed of some or all of the closely integrated SmartVista products with all or some of their features and components activated.

SmartVista solutions can handle both the issuer and acquirer sides of processing for members of international or local payment schemes such as Visa International, MasterCard Worldwide, American Express, Diners Club, JCB, Union Card, China Union Pay, BancNet and also to run a fully independent ‘us-on-us’ card scheme, should the customer so desire.

Designed from the outset as a solution for both traditional magnetic stripe and upcoming chip card processing, SmartVista offers a comprehensive EMV feature set from EMV card personalisation and production to EMV ATM and POS acquiring. SmartVista’s important differentiator is that it has all the facilities to directly support the EMV infrastructure including key management, data preparation, authentication and card personalisation.

The SmartVista Suite is made up of SmartVista Front-End, SmartVista Back-Office and SmartVista CardGen systems that together deliver a fully functional solution for a ‘classic’ card processing organisation dealing with magnetic stripe cards or EMV compliant chip cards. In addition, BPC offers a range of add-on products, modules and integration options so that customers can go for more sophisticated ways of doing business and also take advantage of the emerging and fast growing e-commerce and m-commerce models.

SmartVista Front-End System is responsible for all on-line real-time interactions and activities required to provide fast and error-free authorisation processing at both the issuer and acquirer sides. Typically all transaction origination devices, online payment scheme interfaces, online host interface as well as internet and wireless interfaces and any online interfaces are processed.

The key functional areas supported by SmartVista Front-End include:

Authorisation requests capture, processing and routing.
Stand-in, host and serial multi-host authorisation.
ATM and POS network management and monitoring, including support for multifunctional self-service kiosks.
On-line transaction monitoring using rule-based or statistics model to detect fraudulent transactions.

SmartVista Back-Office System is providing off-line clearing and settlement with counterparties and payment networks; customer, card and merchant management; interfacing with the core banking and other IT systems; and for comprehensive reporting, both within the organisation and for external parties.

The features and functions of SmartVista Back-Office cover the following main categories:

Customer, card and merchant management, including fees, rates and limits set-up
Clearing and settlement of financial transactions
Dispute, chargeback and exception processing
Fraud reporting and risk management
Operational accounting (GL accounts maintenance) and reporting
Comprehensive credit card functionality support
Value-added services, such as co-brand cards, loyalty and affinity schemes, etc.

SmartVista CardGen is a complete subsystem for magnetic and smart chip (EMV) card personalisation providing direct interfaces to card production equipment and offering the facilities for embossing data preparation, chip personalization data preparation, card security management procedures, etc.

All SmartVista products can be installed either as a complete solution or separately as standalone solutions integrated with legacy or third-party systems.