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Solutions
Being a modular integrated solution SmartVista can be used in a variety of configuration options depending on customer specific business needs and technology preferences. In both completed and on-going implementations, SmartVista based solutions provide the core platform for the following types of business:
Full-function retail bank with in-house card processing
This is an environment for principal members of international payment associations offering a full range of the SmartVista Suite functionality, from traditional transaction switching and card management, to pervasive customer access to their card accounts using the channel of their choice.
Switch Solution
This configuration is for customers who would like to take full advantage of SmartVista Front-End superior performance and flexibilityto enhance their on-line real-time processing power whilst retaining their legacy back-office Card Management environment.
TPP/MSP
As more and more banks outsource their processing environment to third parties, SmartVista’s multi-institution capability makes it an ideal match for organizations providing MSP/TPP services to smaller banks that act as affiliate licensees or sponsored members of a payment scheme.
Agent organization
Also a full-function configuration, the SmartVista based Agent solution provides everything that may be needed by an associate/affiliate payment scheme member, independent selling organisation (ISO) or a member’s regional branch.
National Payment Network
SmartVista can be used as a technology foundation for a national or international payment network. It supports all functions featuring such payment processing system, including clearing and inter-bank settlement, message switching, routing and interfacing with member banks equipped with their own processing centres.
Merchant Processor
Running a merchant acquiring network can be more effective if run as core business. SmartVista’s superior on-line functionality, terminal control/management features and multi-institution capability are spot on for the Merchant Processor business case.
Payment Gateway
SmartVista processing capabilities can be extended to a fully on-line environment where organisations acquire card payments over the Internet or GSM networks. It works as a bridge between cardholders, issuing and acquiring banks and service providers to enable secure electronic payment processing.
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