Payments Implementation on Biztalk Infrastructure

Nov 19, 2008

Table of Contents
 Infosys Technologies – Introduction

 Case Study: Payments Implementation on Biztalk infrastructure

Functional Overview

 Technical Overview

 Infosys Global Payments Solution

Infosys is a global leader in Consulting and IT Services

Recognition
Achievements:
 USD 4bill. + global revenues
(2008)
Europe represents over 25% of
Líder en
this figure
Tecnología
Bancaria
 ~ 32 billion USD market cap
(NASDAQ:INFY)
 Over 30% annual growth for the last
6 years
Empresa  Global workforce of 100.000+
mejor
gestionada  More than 450 clients, mostly
Fortune 2000 companies
Mejor
empleador,  7 of the largest world companies are
Mejor Infosys customers
universidad
corporativa  Over 87% of projects on-time on-
Mejor gobierno budget
corporativo
 More than 90% recurring
customers
 Global leader in quality practices
CMM5, 6-Sigma, Malcolm Baldridge
Infosys is a global leader in Consulting and IT Services

REVENUES FROM FINANCIAL SERVICES ($

KEY FIGURES
M)
 More than 154 active clients (en su mayoría
CAGR Global Fortune 2000)
aprox.
40%  More than 13.000 employees in 31 development
1156
centres around the world
775
551  6 of the 7 largest US banks
389
284
199
 4 of the 5 largest European banks
2002 2003 2004 2005 2006 2007

 3 of the 4 largest Australian banks

Other Segments

37.8
37%
%
Banking and
Capital Markets
Infosys has rich experience and expertise in the Payments
business

Infosys IP in Payments
• Global Payments Solution - Comprehensive
Payments solution with add-ons for SEPA
•Procure-to-Pay & Healthcare Payments
Solution- End-to-End Solutions for the SME
segment
• SEPA Assessment Toolkit

Infosys Product Solution Payments Consulting

• Leading Core-banking solution with a
Infosys • Large pool of Payments Domain experts
strong Payments capability
• Deep expertise in corporate & retail
•e-Payment & e-Billing capability Value payments
• Strong Mobile Payment offering Proposition •Thought leadership and participations at
• Support Collections, Debit Transfers and
International conferences
Multi-level workflow processing capability

Engagement Credentials
• Infosys has executed many large mission
critical engagements in payments & cash
management areas in leading international
banks
• Benefits delivered include cost optimisation,
streamlined delivery of planned
enhancements, superior Application support
for mission critical applications
 Illustrative list of Infosys engagements Payments
Client Engagement Highlights Key Impact/Benefits
Leading Global Implemented a Global Payments messaging hub , and helped the Six cents cost saving per transaction for a
Investment bank consolidate cash management and payments infrastructure volume of 600,000,000 transactions per year.
Bank globally

Top 10 Design, development, and implementation of Middle-Office for
European bank Payments Factory. Infosys is working on
• parsing, storing, mapping, routing and reporting functionality for
over 70 different payment types.
•interfacing with different front end and back-end applications and
clearing houses
Business benefits include
• Compliance – SEPA, EPC’s BIC & IBAN
validation; Implementation of product solutions
including direct debit mandates, salary
accounts etc; Infrastructure optimization;
Payment transaction repository and E2E status
monitoring

Large UK Bank Involvement in revamping corporate electronic payments and A monthly revenue of 2m GBP is
integrating cope payments system for acquired subsidiary generated from the new and improved
Development partner with the client and has been involved design services provided
and development of an web-based integrated channel for payments Significant cost reduction in
and cash management for corporate customers.
maintaining common payment
Integration Programme including for the Domestic Payment
Systems for retail customer. platform.

Designed and developed a comprehensive web-based cash Developed a scalable, multi-lingual, robust
Leading management suite of applications – spanning ACH, Wire Transfers cash management web application -
Canadian Bank (Incoming & Outgoing), Check Imaging, Reporting, Account Transfers.Successfully stress tested to support 175
concurrent users. It currently has 10,000
users.

Leading US Developed an Enterprise Money Movement platform, a solution •Estimated total CBA is projected to be over
based that enables consistent,standardized MM processing capability $169mm 5 yr NPV
International across the client organization, spanning multiple Lines of Business •Additional revenue from enhanced float
Financial (Travel Services, Cards etc). optimization by moving money faster
Service •Reduction in Credit and Fraud losses
Provider •Reduction in operational & development
costs
Table of Contents
 Infosys Technologies – Introduction

 Case Study: Payments Implementation on Biztalk infrastructure

Functional Overview

 Technical Overview

 Infosys Global Payments Solution

Design Development and Implementation of a Strategic
Global Payment Messaging Hub for a leading European
Investment Bank
Current State – Problem Points

 Direct, Diverse Communication between Internal Applications and Gateways

 No Central Messaging Hub – No sharing of common functionality, inability to address
cross-gateway requirements
 Difficulty in addressing Regulatory Requirements like Compliance Screening of
messages
 Difficulty in addressing Business Requirements like Central Global Payments Network
and Reconciliation
 No possibility of value addition from a messaging perspective like Message Flow
Dashboard and Traffic Analysis
 New initiatives require changes to many internal applications

“Payment Messaging Solution Provides A Comprehensive Set Of Value Added Services”

 Compliance Screening Manual Message Creation / Repair /

 Multi-Entity Enabling, Message
Validation, Duplicate Checking
 Message Transformations / Message
Enrichment / Message Sequencing
 Content Based Routing /
Reconciliation
Archiving / Printing / Dashboard
Traffic Analysis Reports
 Business Analytics Reports
 Gateway Comparison Charts
 Dynamic Gateway Selection
Problem Definition - Current Financial Messaging Landscape
Fixed Income Equities Derivatives

Trade Entry Trade Entry Trade Entry FpML

FO

Order Routing Order Routing Order Routing

FIX
Data Store Data Store Data Store
Configuration Configuration Configuration
OMGE
Valid. & Enrich Valid. & Enrich Valid. & Enrich O
Shared Services Shared Services Shared Services
MO

Exception handler
Valuation Services Valuation Services Valuation Services

Client allocations Client allocations

Settlement Settlement
Controllers Operations

Settlement
SWIFT
Payments Payments Payments

Conf. Router Conf. Router Conf. Router

BO

FED
Controllers Controllers Controllers
CHIPS

EMB ACH

“Direct, Diverse Communication Between Internal Applications And External

Gateways”
Our Solution - Synopsis
Key benefits Delivered
Engagement Highlights
• A strong team of more than 80 BizTalk professionals working from 4 locations across the
globe
• Central Build Factory & Test Factory at offshore for multiple releases of IMB rolled–out for
different geographies
• Multiple parallel testing streams for UAT and Go-Live co-ordination
• Pilot project for developing the BizTalk Centre of Excellence (CoE)
Impact
 A solution architecture that is global and scalable
 A fully resilient physical infrastructure
 Four-Layered Architecture
 Clusters for high-availability
 BCP environment for disaster
 Proven methodology for disaster recovery and back-up

Learnings
• Exposure to Design, Implementation & Maintenance of Messaging-based Architecture
• Understanding of SWIFT Financial Messaging Format
• Building and successful Integration of Custom Adapter for SWIFT Messages
• Exposure to the BCP guidelines provided by the Federal Bank of the USA
Table of Contents
 Infosys Technologies – Introduction

 Case Study: Payments Implementation on Biztalk infrastructure

Functional Overview

 Technical Overview

 Infosys Global Payments Solution

Solution Scope
International
Handle SWIFT messages
Messaging Hub
US Expand to FED and CHIPS

APAC BOJ-NET, MEPS, CHATS

Build a Financial
Messaging Hub with Regional SIC, EUROSIC, SECOM,
Swiss
the required Technical Messaging Hubs RTGSPlus, TARGET,Telex
Capabilities
Scalable
and FIX, CREST, EUROCLEAR,
Others
Performant OMGEO, ACH, JASDEC
Financial
Messaging
Solution Manual Message Entry / Repair
Value
Added Services
Decision Support Systems

Messaging Specific Design Processes

Tools to enable efficient Automated Testing Frameworks

implementation

Automated Deployment Frameworks

“Implement A Hub Connecting Internal Applications With External Gateways

Using The Pre-Built And Configurable Financial Messaging Solution”
Our Solution
Applications

Payment sent / received via

SWIFT network
Mainframe
SWIFT Alliance Access
Before…
MQ MQ
Series Series

Cash Management
Applications

Applications

MQ
Series Payment sent via
SWIFT network
Mainframe SWIFT Alliance Access

…After MQ
Series
MQ
Series
Message Broker
Our Solution ..Contd.
Deployment Architecture
Config
- DL 580 (2
PROD Environment Config
- DL 580 (2
BCP Environment
CPU HT) CPU HT)
- 4 GB - 4 GB
File Servers

RAM RAM

Active Passive XXX.XXX.XXX.XXX Active

XXX.XXX.XXX.XXX

BizTalk Reporting BizTalk Reporting

MQ Series Server MQ Series Server
Server Server

Config Config
- 2 way - 2 way
IBM Blades IBM Blades
- 4 GB - 4 GB
RAM RAM
BizTalk Servers

XXX.XXX.XXX.XXX XXX.XXX.XXX.XXXXXX.XXX.XXX.XXX XXX.XXX.XXX.XXX XXX.XXX.XXX.XXX XXX.XXX.XXX.XXXXXX.XXX.XXX.XXX XXX.XXX.XXX.XXX

XXX.XXX.XXX.XXX XXX.XXX.XXX.XXXXXX.XXX.XXX.XXX XXX.XXX.XXX.XXX XXX.XXX.XXX.XXX XXX.XXX.XXX.XXXXXX.XXX.XXX.XXX XXX.XXX.XXX.XXX

BizTalk Receive Servers BizTalk Orchestration Servers BizTalk Send Servers BizTalk Receive Servers BizTalk Orchestration Servers BizTalk Send Servers

1000 Mb/s LAN

Config Config
- SQL Server - SQL Server
- Analysis 2000 2000
SQL Servers

- SSO
- Admin - DL 580 (2 - DL 580 (2
- Configuration CPU HT) CPU HT)
- Rules
- SharePoint DB - 8 GB RAM - 8 GB RAM

Active Passive Active Passive Active Passive Active Passive Active Passive Active Passive

Message Box Server Document Tracking Server Management & Sharepoint Server Message Box Server Document Tracking Server Management & Sharepoint Server

Disk Layout on SQL Servers

- Each SQL server has 3
drives
- R: is System
- S: is Database
SAN Storage - T: is SQL logs SAN Storage
EMC/CX700 S: and T: are on SAN EMC/CX700

VVM (Volume Mirroring)

Performance numbers
 Scalability tested during testing phase

 First round of Performance Testing was done on Proof of Concept Phase in the Intel Labs, UK
 Post Build Performance Tuning and Validation exercise done along with MS in Redmond labs, US
 Peak Load Testing
 25 workflows / second (One workflow involves 5 messages (avg.) each of around 2 KB size)
 Total throughput = 125 messages / second
 System soak tested for 48 hours on peak load
 Steady state Volumes of transaction handled by deployed solution
 350,000 workflows / day – Currently in production
 2,000,000 workflows / day – deployed potential capacity in production
 15 workflows / second – Optimal flow in steady state
 Mission Critical Nature of the messaging hub
 200,000,000,000 USD value of messages processed / day
Table of Contents
 Infosys Technologies – Introduction

 Case Study: Payments Implementation on Biztalk infrastructure

Functional Overview

 Technical Overview

 Infosys Global Payments Solution

 Infosys has developed a Global Payment Solution that
facilitates accelerated deployment of a Payment Solution

Offers evolutionary approach for banks to efficiently and effectively integrate, automate &
manage the payment landscape via consolidation, standardization, Optimization and
ability to extend.
Centralize Payment Operations Centralize Unique Business Enterprise
Data store Reporting Functions/Process Portal Integrations

Centralize Centralize Common Administration Hosted Service

Operations Self Service
Message bus Functions/Process & Deployment (Revenue LOB)
Portal Portal
Portal

CONSOLIDATE STANDARDIZE OPTIMIZE EXTEND

Consolidate interactions
Single payment
transaction data store.
Portal for operations,
reporting & Exception
Management.
Centralize common Biz
Extend the to other
processes & function
banks and consortium as
interactions
Aggregated business a service
view
Centralize the Unique
Extend for internal
Processes & function
Business Performance Enterprise Application
interactions
reporting integrations.
Business Rules
Self service Portal Extend to integrate with
administration
third party vendors and
partners.
Ease of deployments

MANAGEABILITY LEVERAGABILITY PREDICTABILITY COLLABORATION

Infosys Global Payment Solution (GPS)
Infosys Global Payment Solution
offers,
a standard centralized financial
messaging & payment interaction
management system that provides
an evolutionary approach for banks
to:
Efficiently and effectively
integrate, automate and
manage the payment
interaction landscape
Increase flexibility and speed
of payments & financial
Messaging
Reduce the total cost of
ownership associated with
managing payments
interactions and messaging
Improve customer satisfaction
Have a potential revenue
generating LOB
Wholesale Payment Infrastructure
P re s e n ta t i o n
C o re S o lu t io n S t d . S e rv ic e s I n te rf a c e s
La ye r
V er i f i c a t i o n E r r o r C o r r ec t i o n s
M a n u a l R e p a ir
P aym e nt ( S W I F T B K E / P KDI …e f )a u l t V a l u e s
I n s t ru c t io n C h a n n e ls
V a l i d a t i o n s R u l e B a s ed a u t o m a ti o n
& E n t ry
O p e ra tio n s P o rt a l
( S t r u c t u r e, D u p l iMc aat es)
n u a l C o rrect io n
C o m p l i a n c e C u s t o m er I D & L i m i t s
I n v e s t ig a t io n s
C h e c k s S er v i c e O F A C / A M L
Parse
Parse
Parse
& o v e rri d e
R is k L im it M g m t
C o m p l ia n ce P o rt a l
P r Pe r o c e s s i n g C o n t r o l S er v i c eO p e r a t i o n a l R i s k
UNIFBasedCM
M a n u a l I n t er v e n t i o n
F o rex
F X ra te m g m t
P a y m e n t P r o c e s s in g E n g i n eC o n v e rs io n S e r v ic e
M o n it o r F u n d in g +
E x c e p t io n s
L i q u i d it y
C u r r en c y P o s i t i o n s
S t a r t o f D a y F u n dL iq i n gu id it y M g m t
M a n a g e m e n t S e r v ic e
Q u eu i n g & R el ea s e P o rt a l
M a p p in g B illin g E O D F u n d in g
P ri c in g
U p d a te
P ric in g R u le s
P r e m i u m s / P e n a l t i es
A cc o u n t B o o k in g P ric in g P o rta l
C u s to m er a / c a n d G L
N o s /t Lr oo r o
R ec o n c i l i a t i o n s C re a t e + V ie w
Subm
Subm
Subm
C ash M gm t
iters
iters
iters
R e p o rts
R ep o r t i n g
C o n f i rm a t i o n M a t ch in g
D e a l M a t c h i n g R e p o rts + M I S P o rt a l
S AW CI FHT FAECD H T AA RCCGAHcE kT n o w le d g e m e n ts C u s t o m er R ep o r t i n g
R eg u l a t o r s
S et t l em en t N e t w o r k s
B A M D a t a b a s e ( P a y m e n t H i s t o ry )
Infosys Global Payment Solution - Specialized Services
Retail Payments Wholesale Payments
Validators Prioritisation: Priority processing
for High Value Payments
SEPA: ISO 20022 schema & SEPA
Rules validators Currency Cut-offs: Special
BIC/IBAN: Verify the correct processing for messages near
BIC/IBANs currency cut-offs

PE-ACH Adapters Queuing Support: Ability to hold

Bulking outbound Payments for PE-
ACH
De-Bulking inbound Payments from
PE-ACH
STEP2 file validations
payments till Value date within
GPS
Enhanced Exception Management:
Raise alerts on portal/ MOM alerts
for Compliance/Liquidity
management exceptions

BIC/IBAN Lookup & Converters:

Replace values of non-

compliant fields in the
messages using BIC + IBAN
lookups

Pricing: SEPA Pricing Plug in

Thank you