CARDTEK

OCEAN Unified Payment

Processing & Framework

CHICAGO / NEWYORK / TORONTO / ISTANBUL / DUBAI / MUMBAI / BAKU

ABOUT OCEAN PAYMENT PROCESSING SOLUTION

What is Ocean ?
Cardtek Ocean Payment Framework is a robust, secure and flexible development framework and Payment
Processing Solution designed to create innovative electronic payment solutions. Ocean Payment Processing
Solution includes but not limited to the Issuing, Acquiring, Clearing & Settlement, Switching features.

How does Ocean work ?

Ocean is an EMV compliant platform that provides comprehensive management of various card products for
financial institutions and payment service providers. Single installation manages a wide range of product types
divided under product families of credit, debit and prepaid cards. Ocean also works with Cardtek’s in-house
Merchant Management, ATM Management.

What is benefit of Ocean Payment Framework ?

Ocean is an end to end solution which covers the need of financial institutions whether it is a bank, processing
center or payment service provider. The customers have a chance to work with the state of the art payment
solutions with a specialized team of engineers.
GENERAL FEATURES OF THE FRAMEWORK

Multiple institution, multiple currency, multiple time zone support. Multiple

Single Installation
card product support; including classic, gold, platinum, business, virtual,
Multiple Tenancy commercial.

Horizontal and vertical growth is supported. High performance transaction

High Available engine, 1500 TPS / 40ms AUTH response time.
Unified Payment Framework

High Performance

Complies with MASTERCARD, VISA, AMEX, UNION PAY online and clearing
Compliances regulations. Leading innovation about new technologies provided in
Regulations. payment schemas’ specifications.

Seamless integration between your existing applications and smooth

transition. Open platform, unified payment framework based on latest
Seamless
Integration
technologies.

Robust, flexible and scalable payment processing platform, allows for

Robust, Flexible, Scalable efficient functional and compliance change.

Increasing revenue opportunities through new product introduction,

Various Card Products attraction of new customers, providing competitive differentiation.
PAYMENT SYSTEM DATACENTER WITH CARDTEK SOLUTIONS
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CARDTEK CMS Solutions
External Solutions Integrated Solutions
Issuing
Core Banking Personalization
Debit Prepaid Credit
Accounting
Mass Instant
Acquiring
User Interface
Merchant Mng. POS Mng.
Application 3D Secure
ATM
Reporting Issuing
Driving Monitoring Acquiring
CRM-BI
Loyalty and Campaign E-Commerce
Issuing Acquiring Payment
SMS&e-mail
Switch Fraud
Management
Collection Clearing and Settlement
Issuing Acquiring
Legal Follow Up Incoming Outgoing
Dispute and Chargeback Mobile Payment
Internet Banking Incoming Outgoing
Supported Networks
EMV Scripting
IVR – Call Center Visa, MasterCard, Rupay, CUP,
Comission and Fee Mng.
.......... Amex, Diners, BKM
INTEGRATED SOLUTION COMPONENTS

HORIZONTAL PAYMENT COMPONENTS

VALUE ADDED SERVICES

Electronic
Commerce
Transit
Terminal
Credit Card Payment
Merchant
Management Management
Payroll Mobile
Transaction Clearing Card Payment
Switch Settlement
Stadium
ATM Payment
Debit Card
Management
Management
Monitoring
Money Instant
Fraud Dispute
Transfer Issuing
Detection Chargeback
Prevention Management
Campus
Distribution Payment
Prepaid Card
Channel
Management
Management
Loyalty
Campaign
Management
STADIUM AND TRANSPORTATION CARD

HORIZONTAL PAYMENT COMPONENTS

VALUE ADDED SERVICES

Electronic
Commerce
Transit
Terminal
Credit Card Payment
Merchant
Management Management
Payroll Mobile
Transaction Clearing Card Payment
Switch Settlement
Stadium
ATM Payment
Debit Card
Management
Management
Monitoring
Money Instant
Fraud Dispute
Transfer Issuing
Detection Chargeback
Prevention Management
Campus
Distribution Payment
Prepaid Card
Channel
Management
Management
Loyalty
Campaign
Management

Modules used
Modules ready to be used
BANKING CREDIT / DEBIT

HORIZONTAL PAYMENT COMPONENTS

VALUE ADDED SERVICES

Electronic
Commerce
Transit
Terminal
Credit Card Payment
Merchant
Management Management
Payroll Mobile
Transaction Clearing Card Payment
Switch Settlement
Stadium
ATM Payment
Debit Card
Management
Management
Monitoring
Money Instant
Fraud Dispute
Transfer Issuing
Detection Chargeback
Prevention Management
Campus
Distribution Payment
Prepaid Card
Channel
Management
Management
Loyalty
Campaign
Management

Modules used
Modules ready to be used
ACQUIRING GATEWAY

HORIZONTAL PAYMENT COMPONENTS

VALUE ADDED SERVICES

Electronic
Commerce
Transit
Terminal
Credit Card Payment
Merchant
Management Management
Payroll Mobile
Transaction Clearing Card Payment
Switch Settlement
Stadium
ATM Payment
Debit Card
Management
Management
Monitoring
Money Instant
Fraud Dispute
Transfer Issuing
Detection Chargeback
Prevention Management
Campus
Distribution Payment
Prepaid Card
Channel
Management
Management
Loyalty
Campaign
Management

Modules used
Modules ready to be used
KEY FUNCTIONALITIES

• Visa and MasterCard network support for switching and clearing&Settlement

• Excellent loyalty management functionalities
• Scenario based campaign management system
• Multi-institution, Multi-Currency, Multi-Product, Multi-Language support
• Flexiple and parametric infrastructure for card and merchant fees, comissions, interests
• Sheria complience card and fee calculation methodology
• Major ATM and POS brand supported
• 3D Secure e-commerce transaction support
• EMV complience and EMV certified product
• Single solution for to support commercial, business and individual card requirements
• Scenario based fraud management (supports online, near-online and offline fraud detection)
• Parametric accounting system
• Unlimited channel integration with standardized web service catalog
• Wide range of reporting set
• Unlimited numbers of transaction set define by users with parametrically
MULTI-INSTUTUTION STRUCTURE

• Each institution can access system interfaces for;

• Define and update their own card and merchant parameters
• Monitoring and update card, customer and merchant informations
• Card renewal process
• Transaction, authorization, loyalty transaction monitoring
• Loyalty campaign definition
• Installement
• Discount
• Point

• Define time periodicly reports

• Reports monitoring/export
• File import (limit, financial maintenance, mass cards, points etc.)
• Financial maintenance
• Internal clearing between same processor member banks
EMV FEATURES

• EMV card issuing vaious EMV chip product

• EMV POS acquiring
• EMV ATM acquiring
• EMV profile definition consultancy
• EMV certification process management
• Offline transaction parameter set consultancy
• Non EMV transaction restriction for EMV cards
• PIN change and PIN set processing
• EMV Scripting Management with comprehensive scripting system
• Manuel script generation
• Automatic script generation
• Script situation monitoring

• EMV Key management

• DES keys are diversified for EMV when data is processed.
• Data is processed for SDA, DDA and Offline Encrypted PIN.
• Thales HSM for online and Safenet HSM for EMV card personalization
OCEAN ISSUING MANAGEMENT

Supported Cards Supported Products Transactions

➢ Visa credit ➢ Debit Card ➢ Sales
➢ Visa debit ➢ Credit Card ➢ Void
➢ Visa debit-prepaid ➢ Corporate Card ➢ Credit
➢ MasterCard credit ➢ Commercial card ➢ Installment
➢ MasterCard debit ➢ Business card ➢ Pre-authorization
➢ MasterCard debit-prepaid ➢ Charge card ➢ MO-TO
➢ CUP ➢ Revolving card ➢ E-commerce
➢ EMV ➢ Agricultural Card ➢ 3D secure
➢ Magnetic ➢ Affinity Card ➢ Loyalty
➢ Contact ➢ Co-Branded Card ➢ Point inquiry
➢ Contactless ➢ Point earning
➢ Mobile ➢ Point usage
➢ Virtual ➢ Cash advance
➢ Cashback
CARD AND CUSTOMER MANAGEMENT

Product profile definition according to ➢ Unlimited main card under single customer number
➢ Product, ➢ Unlimited supplementary card under single main card
➢ BIN ➢ Virtual card definition for main and supplementary card
➢ Range ➢ Customer, main card and supplementary card relation
➢ Card fee management
➢ Financial type ➢ Card information monitoring
➢ Card type (EMV, prepaid, contact/contactless, mobile etc.) ➢ Card transaction monitoring
➢ Expired period ➢ Card statement monitoring
➢ Card upgrade parameters ➢ Card limit management
➢ Limit
➢ Transaction restriction
➢ Loyalty profile
➢ Point pool
➢ Number of main and supp. Card restriction
➢ Renewal code
➢ Special limit
LIMIT MANAGEMENT

➢ Single limit for one customer number. All defined card under the customer number sharing same
limit
➢ Supplementary card, main card and virtual card limit restriction
➢ Percentage of limit
➢ Defined amount for each statement period
➢ Limit expiry date/time for virtual card
➢ Product and card based limit usage restriction according to;
• Country
• MCC
• Transaction type
• Card status
• Channels
• Limit percentage/amount for cash advance usage (customer/main
card/supplementary card based)
• Contactless offline limit (daily/periodic)
• Temporary limit
• Ready limit
• Extra limit
• Secured limit
CARD AND CUSTOMER LIMIT STRUCTURE

Extra Limit

Ready Limit

Secure Limit
Customer

Customer Limit

Main Card 1 Main Account 1 Main Card 2 Main Account 2 Main Card n Main Account n

Account Limit Account Limit Account Limit

Supp. Card 1 Sup. Account 1 Supp. Card n Sup. Account n Supp. Card 1 Sup. Account 1 Virtual Card n Virtual Account n

Account Limit Account Limit

Account Limit Account Limit

Virtual Card n Virtual Account n

Account Limit
CARD AND CUSTOMER STATUS STRUCTURE

Parametric card status/status reason code

and authorization response code definition

▪ Customer Status ▪ Account Status

➢ Customer status ➢ Statement status

➢ Follow up status ➢ Follow-up status

➢ Statement status ➢ Limit status

➢ Limit Status ➢ Activity status/counter

▪ Card status ▪ Authorization response code according

➢ Card status to card status
➢ Card sup status ➢ Call bank,
➢ Pick-up card,
➢ Decline etc.
➢ Authorization
STATEMENT MANAGEMENT

➢ Statement information raw data including printing,

➢ Flexible product based statement date/period definition
SMS and e-mail statement
➢ Flexible transaction bucket definition for payment priority
➢ Flexible statement message definition (user based,
configuration
marketing, reminder)
➢ Transaction based loyalty message for statement
➢ Grace period definition for late payment
➢ Flexible and configurable statement calculations
➢ Ability to calculate interest from different dates, e.g.
➢ Main and supplementary card fee
statement date, processing date, payment due date
➢ Main and supplementary card yearly fee
➢ Different interest calculation options according to
➢ Main and supplementary discounted card fee according to
transaction types
product profile
➢ Flexible minimum payment calculation
➢ Transaction fee
➢ Late payment fee and interest
➢ Revolving interest
➢ Loyalty and installment Campaign fee
➢ Sharia compliant statement calculation
➢ Over limit fee
COLLECTION MANAGEMENT

➢ Statement payment status and legal follow-up status

➢ Automatic status update according to defined parameters
➢ Risk counter follow up according to late payment situation
➢ Automatic legal follow-up transfer
➢ Minimum late payment definition for to escape risk follow-up status
➢ Debt restructuring if cardholder cannot pay existing payment plan
➢ Late payment status
➢G-Delay
➢D-1- First period delay
➢D-2-Second period of delay
➢...
➢ Automatic reminder message or letter according to delay period
➢ Automatic payment delay letter data
➢ Automatic transaction based authorization status update according to defined parameters
DEBIT CARD MANAGEMENT

➢ Card numbering and PIN generation

➢ Parameter management
➢ Card transaction monitoring
➢ Visa and MasterCard debit card management
➢ Debit card usage limit parameters
➢ Shared account card
➢ Loyalty and campaign management
➢ Online integration with core banking system
➢ Card and transaction fee
➢ 3D secure e-commerce transaction
➢ Card status management
➢ Authorization
➢ Authorization parameters
➢ Reporting
➢ Commission and fee
DEBIT-PREPAID CARD MANAGEMENT

➢ Visa, MasterCard, CUP prepaid card management

➢ Offline and online balance management
➢ Top-up and funding management
➢ Card to card money transfer
➢ Loyalty and campaign
➢ Balance usage and upload restriction management
➢ Card and transaction fee
➢ Card type
➢No name
➢Personalized
➢Reloadable
➢Disposable
➢ 3D secure e-commerce transaction
➢ Mobile wallet integration
➢ Multi-host balance
CORPORATE AND BUSINESS CARD

➢ 3 level hierarchy under one main company

➢ Reporting to companies and main companies
➢ Transaction summary statement for each card
➢ Flexible limit definition for each company and cards
➢ Main Company Limit
Limit
Distributable Limit Main Company
➢ Group Subsidiaries
Credit Limit
Cash Advance Limit (Percentage, amount)
Distributable limit (cash or sales) Sub-Company 1 Sub-Company n
Limit Group (pool, reserved)
▪ Card Limit
Limit currency
Card Limit Card 1 Card n Card 1 Card n
Available Limit
Cash advance limit (Percentage, amount)
▪ Card Based Special Limit
Special limit profile (MCC, sector, brand)
Special limit type (Pool, reserved)
COMMERCIAL CARD MANAGEMENT (B2B)

➢ Card for B2B payment between main companies and distributors

➢ Card usage instead of checque and promissory notes
➢ Main company guarantor limit definition (blocking provision)
➢ Cash and term based and flexible term based payment definition
➢ Flexible collecting structure Main Company
➢ Automatic loan usage if there is no payment on due date B2B Sales Structure
➢ Fix term definition according to product group Cardholder
➢ Loyalty functionalities Sales Point

➢ Payment plan inquiry and printing from POS terminals

➢ Statement
➢ Term parameters
➢ Guarantor limit
➢ Distributor status
➢ Options day definitions
➢ Fix or flexible term definition
Distributor
AGRICULTURAL CARD MANAGEMENT

Payment

➢ Commercial Visa/MasterCard
➢ Loyalty functionalities Credit
➢ Interest - free period definition according to harvest period
➢ Card Fee Bank
➢ Yearly statement
➢ Monthly account summary
➢ Limit restriction according to MCC POS
➢ Limit usage restriction for only agreed merchant and selected product Comission
(seed, fertilizer, seedling etc.)
Farmer
➢ Supplementary card
➢ Online integration with card management system for limit definition and
usage Sales
➢ Interest and fee exception definition according to customer and
agricultural product
Agricultural Materials Shop

Product
OCEAN ACQUIRING MANAGEMENT

Supported Cards Supported Terminals Transactions

➢ Visa Credit ▪ POS ➢ Sales

➢ MasterCard Credit ➢ Dial up ➢ Void
➢ Visa Debit ➢ ADSL (IP) ➢ Credit
➢ MasterCard Debit ➢ Mobile (GPRS, Wi-Fi, ➢ Pre-authorization
➢ CUP bluetooth) ➢ Loyalty
➢ Diners ➢ All Major terminals like ➢ Installment
➢ Amex ✓ Verifone ➢ Sales draft message
➢ EMV ✓ Ingenico ➢ Point inquiry
➢ Magnetic ✓ Hypercom ➢ Point earning
➢ Contact ▪ ATM ➢ Point redemption
➢ Contactless ➢ All Major terminals like ➢ Billing payment
➢ Mobile ✓ Wincor ➢ Cashback
✓ NCR ➢ MO/TO
✓ Diebold ➢ E-commerce
✓ GRG
MERCHANT MANAGEMENT

➢ Merchant application entry

Company information
Contact details
Shareholders
Commission profile (rule based)
Transaction profile
Loyalty profile
Fee profile
➢ Merchant hierarchy
Chain,
Merchant,
Merchant group
➢ Merchant statement
➢ Binary commission definition for loyalty profitability evaluation
➢ Merchant, bank and chain based loyalty contribution definition
➢ Merchant based installment period and campaign definition
➢ Merchant based discount rate definition
COMISSION AND FEE STRUCTURE

➢ Merchant fee calculation according to;

Different fee according to transaction volume level
Inactive merchant fee
Terminal fee according to terminal type
Statement fee
➢ Merchant commission
Next day payment commission
Weekly payment commission
Monthly payment commission
Loyalty programme contribution commission
Installment payment commission
➢ Early payment for installment and future payment method with different commission rate
➢ Surcharge according to installment period
POS PARAMETER MANAGEMENT

➢ Acceptable transaction set for each terminal

➢ Communication information according to transaction
➢ ISO 8583 message protocol supported
➢ Real time POS transaction monitoring
➢ Remote transaction restriction upload
➢ Flexible end of day definition
Automatic end of day time definition
Manual end of day
➢ Special message on POS receipts
Coupon
Point
Installment plan
Lottery password
Special day message
➢ Manual batch closing
➢ POS batch monitoring
➢ Multi-currency support
CLEARING AND SETTLEMENT

➢ Issuing and acquiring clearing and settlement

➢ Chargeback
➢ Internal clearing and settlement
Visa
➢ Loyalty programme sharing clearing and settlement MasterCard
➢ Automatic clearing file import/export CUP
➢ MasterCard Clearing
Diners
Amex
Outgoing
Local switch
Incoming
Internal
Disputes
Document request
Reports
ARN monitoring
Fees
Mass document request
Safe
Mass chargeback
➢ Visa Clearing Chargeback letters
Outgoing
Incoming
Disputes
Reports
➢ CUP Clearing
➢ Diners Clearing
➢ Amex Clearing
ATM MANAGEMENT

▪ Real Time ATM Monitoring ▪ ATM Management

➢ Terminal List (with common properties) ➢ Terminal definition
➢ Terminal detail status
➢ Transaction Monitoring
✓ Device info and error
➢ Remote Key Loading
✓ Cassette info. And status
➢ Electronic Journal
✓ BNA info. And status
✓ Command Management ➢ Remote File Distribution
✓ Service – IN, ➢ 3 different languages
✓ Service – Out, ➢ 3 DES and RSA Encrypting
✓ Key Load (Des- RSA),
➢ ATM BackOffice
✓ Software Status inquiry
➢ Multi-currency
▪ Offline end of day
▪ End of day status monitoring ➢ Cash-in
▪ Escalation Mechanism ➢ Coin Dispenser
E-COMERCE PAYMENT PROCESSİNG

▪ Virtual POS
➢ 3D secure acquiring
➢ Merchant reporting and monitoring portal
➢ Transaction Management
➢ Loyalty and installment
▪ Collector POS
➢ Automatic process for recurring payments
➢ Web based report interface for merchants
▪ ACS
➢ Card enrollment
➢ 3D secure transaction process
➢ OTP server
▪ Secure card store
➢ Mobile e-commerce
➢ E-Commerce
➢ Tokenization
▪ Central payment page for secure payment
▪ Flexible e-commerce merchant integration
FRAUD MANAGEMENT

▪ High Performance
➢ Fraud monitoring for Online, Near-online, Offline, Batch file upload scenarios
➢ If 25 online, 100 near-online scenario run on system, fraud response to the card
management system in 7ms.
▪ Scenario Simulation
➢ Testing scenarios before running
➢ Scenario priority and performance optimization
▪ Flexible and Definable Structure
➢ Flexible decision support system
➢ Easy integration with other satellite systems
➢ Flexible and definable fields with incoming message
➢ Flexible actions
▪ Single infrastructure for different fraud channel
➢ Application fraud
➢ Payment fraud
➢ Internet Fraud
➢ Branch Fraud
▪ Detailed and flexible reporting
LOYALTY & CAMPAIGN MANAGEMENT

➢ Point campaign
➢ Installment campaign
o Welcome point campaign o Installment according to cardholder request
o E-mail statement campaign o Installment according to merchant defined period
o Automatic bill payment campaign o Flexible installment selection
o Additional point campaign o + Installment
o Promised point campaign o Installment for notonus transactions
o Advance point campaign o Installment for selected transactions
o Travel campaign o Installment for cash advance
o Member get member campaign o Installment according to cardholder order
o Debit card point campaign o Installment deferral
o Installment surcharge
o Donation point campaign o Card Fee campaign
➢ Mile point campaign o Card fee payment with point
o Card fee cancellation rules
➢ Airtime point campaign
➢ Batch campaigns
➢ Fuel campaign
➢ Adding point to selected cards with upload file
➢ Campaign point expire date
➢ Cross reward between merchants
LOYALTY & CAMPAIGN MANAGEMENT

▪ Online campaign parameters ➢ RFM Campaigns

o Product profile o Point
o Customer group o Discount
o Selected card group o E-Coupon
o Selected merchant o Reward
o Selected merchant group o Airtime
o Brand o Lottary
o MCC ➢ Card based campaign selection
o Sector o Point
o Transaction type o +installment
o Transaction source o Installment and deferral
o Selected bank ➢ Discount campaigns
o Special day
o Merchant discount percentage
▪ GSM Campaigns o Discount for selected product
o Get flight miles with point o Discount for selected MCC
o Spend and win flight miles o Discount for selected transaction type
o Welcome flight mile point
o Campaign for selected mobile phone
brand
CASE STUDY - PASSOLIG

Passolig Card allows fans and families to enter stadiums easily and enjoy games in a safe environment.

It is a multi-purpose card that brings significant new advantages to the clubs and their fans. Cardholders enjoy financial
benefits, enter stadiums faster and watch games in peace.

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CASE STUDY - PASSOLIG

Usage and Coverage

• 40+ game stadiums
• 1.100+ turnstiles
• 2.500.000+ cards in 2 years

Functional Features
• EMV Credit, Debit and Prepaid Cards
• Contact and Contactless Support
• Public Transportation Integrated
• Electronic Ticketing
• Access Control for Stadiums
• Loyalty and Campaigns
• Central Black List
• Instant and Mass Personalization

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CASE STUDY - YAPI KREDI / UNICREDIT GROUP

One of the first nationwide private banks in Turkey, established in 1944, positioned as the fourth largest bank. and
by asset size in Turkey, with interest in credit cards, assets under management, non-cash loans, leasing, factoring,
private pension funds and non-life insurance.

Today, the bank has of over 13 million customers and 835 branches, 2.615 ATMs across the country. YAPI KREDI
also operates internationally; the Netherlands, Russia, and Azerbaijan.

Usage and Coverage

• 450.000+ POS terminals
• 30.000.000+ credit cards
• 16.000.000+ debit/prepaid cards
• 120+ Loyalty Programs
• 150+ Card Products

Functional Features
• Acquiring Switch
• Card Management
• Merchant Management
• Loyalty and Campaigns
• Clearing and Settlement
• Dispute and Chargebacks

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CASE STUDY - ISBANK

Turkey's first public bank, ranked 102nd in the “Top 1000 World Banks” survey of Financial Times' The Banker and
371st in the Forbes Global 2000 lists as of 2008. The bank operates 1,011 branches domestically, giving it one of
the largest branch networks in Turkey. Bank’s international network comprises United Kingdom, Bahrain, Turkish
Republic of Northern Cyprus, Republic of Ireland, Germany, Netherlands, France, Switzerland Shanghaiand Cairo.

Usage and Coverage

• 350.000+ POS terminals
• 15.000.000+ credit cards
• 12.000.000+ debit/prepaid cards
• 100+ Loyalty Programs
• 120+ Card Products

Functional Features
• Issuing Switch
• Card Management
• Loyalty and Campaigns
• Clearing and Settlement
• Dispute and Chargebacks

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CASE STUDY – INDIA BANGALORE CITY OPENLOOP TRANSPORTATION

Cardtek implements Indian first Open Loop Transit and Prepaid Card solution in Bangalore having 8 million population.

AXISBANK NPCI TRIMAX

• Main Contractor to BMTC
(Bangalore Metropolitan Transit)
• Prepaid Card Issuer
• Acquirer
• Program Manager
Cardtek
• Prepaid Card Management
• Instant Card Issuance
• Transit Gateway
• Terminal Application
• National Payment Cooperation
of India
• Defines Indian RuPay standards
for EMV and open loop transit
Cardtek
• Consulting for RuPay Open
Loop transit specifications for
India
• Ticketing and Fare Collection
• Device Management
• Vehicle Management
• Validators
• POS and Handheld Devices
Cardtek
• RuPay Contactless L2 Kernel on
Trimax terminals

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CHICAGO / NEWYORK / TORONTO / ISTANBUL / DUBAI / MUMBAI / BAKU