The TSYS Situation (The Near Future)

Transcription

TSYS Acquiring Solutions
February 1, 2016
Greg Hansen
Senior Sales Manager
© 2016 Total System Services, Inc. ® Confidential and proprietary. All rights reserved worldwide
Who We Are
2
TSYS Acquiring Solutions Advantage
Dependable Authorization
EMV Solutions
Class A Terminal Applications
Expansive VAR Catalog
Integration Options
Dedicated Customer Support
3
Dependable Authorization & Capture Platform
TSYS Acquiring Solutions delivers data integrity
and transaction efficiency with the most relied
upon Authorization and Capture platform in the
industry
4
•
Largest single platform in the US
•
Access to all TSYS Point-of-Sale Solutions
•
Flexible connectivity options fuel portfolio
growth
•
Expansion solutions for ease of merchant
boarding
•
Industry leading number of terminal
applications and VARs certified to a single
platform
TSYS Authorization System 2015 Metrics
2015 Totals
Authorization System Transactions
4.3 billion
Peak Day Authorizations
18.5 million
Peak Hour Authorizations
1.4 million
Peak Minute Authorizations
34,380
Peak Second Authorizations
2,575
2015 System Availability
5
Overall Availability
99.97%
Authorization Availability
100.00%
Capture Availability
99.96%
EMV Solutions
Leverage Nationwide’s access to TSYS’ diverse offering of EMV
solutions
An abundance of choice allows you to address virtually any merchant
need
Nationwide and TSYS are willing partners to work with you and your
partners to enhance existing offerings or add new ones to our catalog
Types
Stand-Alone
Integrated
• Single/stand alone POS device,
traditionally used by small mom
and pops
• PIN Pad or Signature Pad
connects to the POS/ECR
which is connected to
merchant’s network and then to
the Acquirer/Processor or
gateway to the
Acquirer/Processor
6
Semi-Integrated
• The terminal or peripheral
device used to capture credit
card data is connected to the
POS/ECR application.
However, the application used
to process the transaction is
located on a separate device.
No sensitive card data flows
through the POS/ECR or is
stored there.
EMV: Fully Integrated vs. Semi-Integrated
Semi Integrated
7
© 2016
Confidential
and proprietary.
2014 Total System Services, Inc.
Inc.®®All
rights reserved
worldwide. All rights reserved worldwide
Semi Integrated: Who Does It/How Does It Help?
VAR/ISV
• Removes PCI PA-DSS Scope
• Removes EMV end to end card brand certification
• Decouples payments from their solution.
• Reduces development time of their payments module
• Removes bi-annual compliance updates
• Allows the VAR/ISV to focus on creating a feature rich solution while not having to
focus on payments.
Merchant
• Reduces PCI scope
• Removes sensitive data from their environment
Acquirer
• Able to offer a go-to-market EMV strategy now.
8
TSYS Class A POS Applications
http://tsyssolution.force.com/ClassA
TSYS has hundreds of Class A certified terminal applications
We have an online Class A catalog to make it
easy for you to find the right application.
Features include:
• Device Type: Sort by Device Type to group
devices together.
• Compliant: The compliant sort returns applications
based on their level of compliance (e.g., PCI PTS
3.x).
• Preferred App: These are the latest applications
that work on PCI compliant, EMV capable POS
terminals.
• Export to Excel: Export your search results to
Excel for easy sorting, comparing and reference.
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TSYS Class A Online Search
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TSYS Class A EMV Applications
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Partner / VAR Connect
• Over 400 active VARs
• Diverse portfolio with Partners in all
verticals
• Solutions to fit every business model
• Products offered to help grow our
partnerships
• Apple Pay
• Samsung Pay
• Guardian
• Encryption
• Tokenization
• Cybershield
• TSYS EnsureBill
• TSYS Hosted Payments
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VAR Integration Options
Sierra (Terminal Capture)
One Platform to has
access to every point of
sale solution and
product we support
Gen 2 Spec, legacy VisaNet
Class A applications written to
Large VAR community
Dial, TLS (fka SSL), IP
FPE Encryption / Token
TransIT Gateway
Summit (Host Capture)
XML Spec
Store sensitive card data at TSYS
One Platform
One Boarding System
One Reporting Tool
XML Spec
Growing VAR community
Auto-Close at the host
TDES Encryption, Token
No Shadow Batch
Hosted Payments
Customer Database
•
•
EMV on each option
Scalable
Recurring Payments
Leverage feature rich gateway
13
TSYS Guardian EncryptionSM
Encryption
• Encrypts cardholder data from the point of entry at merchant’s POS terminal
• Two types of encryption available:
• Format Preserving Encryption (FPE)
• Triple Data Encryption Standard (3DES)
Private Point-to-Point
Secure Network
Public Network
Telco & Internet
POS
TSYS HOST
TSYS DECRYPTION
FPE
4000 1255 7194 9010
CARD NUMBER
4000 1234 5678 9010
3DES
U2FsdGVkX1+yubFtu2oLMeycPGkwEZ9IHmTtsit5lhP…
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CARD BRANDS
TSYS Guardian TokenizationSM
• PCI compliant solution for merchants needing to retain customer information
Tokenization
for recurring payments
• Eliminates need to store sensitive card data on POS terminals
• Replaces this data with unique alphanumeric characters, known as a token
CARD NUMBER
4000 1234 5678 9010
ORIGINAL CARD DATA
MERCHANT POS
TSYS TOKEN SERVER
TOKEN
CARD TOKEN
A3HSG3829JX49010
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Typical electronic payment page
Communicates via API to
PCI certified gateway
Card data is
collected at page
Card data transmitted from
merchants website
Card data may be logged either
in the clear or in a database
“encrypted” at the merchant site
Clear Text
Card information shown
in the clear
Merchant is still considered
to be within PCI Scope
16
TSYS Hosted Payment CP/CNP Page
TSYS Hosted Payment Transaction Flow
Secure iFrame is called
• Card data is collected at iFrame
• Card data passes through THP (TransIT)
• Transaction data is encrypted and
sent over an encrypted SSL connection
• Card information is masked
Card holder information is passed securely
through the TransIT platform
Merchant PCI scope is significantly reduced
17
How Does TSYS EnsureBill Work?
Data Flow
1. Card data is received from submitter.
2. Card numbers are sorted and matched to processing database.
3. Unmatched numbers are routed to card brands for update.
4. Matched records are returned to submitter.
1,2,4
3
2
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TSYS EnsureBill Benefit Chain
Acquirers
Merchants
• Value added service
• Increased customer retention
• Opportunity for additional
revenue
• Positive customer experience
• Potentially increase market
share via small merchants
• Greater customer satisfaction
• Attract and retain merchant
relationships
• Reduced service issues =
satisfied customers
• Increased authorizations
• Decreased payment interruptions
with current accounts
• Worry less about expiration dates
and declined transactions
• Reliable payment information
• Potential administrative costs
reduced
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Cardholders
• Decreased declines and
customer service issues
• Higher rate of uninterrupted
service
• Fewer late fees and healthier
credit impact
• Delay-free payment posting
• Uninterrupted billing of
card-not-present transactions
TSYS VAR Program Benefits
Additional Features Available to the VAR Community
• EMV Certification
• ApplePay & PassMarket
• TSYS EnsureBill (an Account Updater product)
• Card Brand Tokenization
• MasterPASS & Visa Checkout Ready
• Level 3
• Surcharging
• TransIT Gateway
• Recurring Billing
• Customer Database
• Merchant Center
• Developer Tools & Svc
• Discover/PayPal Authorization
• American Express Opt Blue
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The TSYS Situation (The Near Future)

Transcription

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