TranzWare Online

Dedicated to providing seamless integration and high-performance, TranzWare Online enables the secure processing of all types of transactions made with multiple card types via all delivery channels as well as driving and monitoring of a vast set of terminal devices – all on a single platform. In addition to traditional functionalities, TranzWare Online incorporates a wealth of innovative and unique features extensively aiding product customisation. Modules such as Algorithmix – a scripting engine used to substantially change transaction processing logic and even manage fraud, as well as FIMI - a user-friendly web interface for remote access to the processing centre facilities – all allow for superior user empowerment making customers the true owners of the system. TranzWare Online futureproofs the investment by enabling system expansion unrestricted by hardware, operating systems, networks and host systems, regulations and legislation, financial products, types of transactions and their origination. 

TranzWare e-Commerce

As one of the tools in the fight against online fraud, TranzWare e-Commerce is purposed for advanced and reliable Internet transaction authenticity checks based on 3-D Secure protocol and is a part of the Verified by Visa and MasterCard SecureCode programmes that make it compulsory for cardholders to verify their identity to their bank at the point of online purchase. TranzWare e-Commerce encompasses two independent ACS and MPI modules as well as a host of additional security features including various access certificates, digital signature verification, support of DPA/CAP, etc. 

TranzWare PostPay

Designed to provide the full lifecycle of e-Billing, TranzWare PostPay offers a flexible and multi-channel electronic bill presentment and payment solution allowing for the ultimate convenience in bill payments for customers, new revenue opportunities for bill payment processors, impressive costs savings for the billers and competitive advantage for all involved in the process. The product provides an array of features and innovative functionality such as the support of an extensive range of bill payment options (e.g. partial bill payment, payment in advance of a billing date, scheduled payments) and a number of payment methods to suit individual customer requirements. 

TranzWare Messaging Gate

Utilised to manage the delivery of messages to various systems within a financial institution, TranzWare Messaging Gate is a message-oriented engine designed to exchange messages in a secure and dynamic way. In a sense, it is a message 'brokerage' system capable of processing multiple message streams flowing in a bi-directional manner and as such, carrying notifications as well as enquiries. TranzWare Messaging Gate offers an integrated gateway to many telecommunication providers, interfaces with an unlimited number of mobile operators and accommodates protocol conversion facilities. 

TranzWare Teller&Seller

Whether at a bank branch, shop or over the phone, TranzWare Teller and Seller delivers a reliable, hassle-free and quick service that is paramount to today’s customers. As a practical PC-based ATM and POS terminal simulation engine with an extensive set of functions, this product can be used either at the point-of-sale or at the bank teller’s workstation. TranzWare Teller and Seller supports (or can simulate) many external devices connected to a PC, such as a PIN-pad, card reader, receipt printer and cash dispenser. The product also enables cost-effective terminal host testing within a significantly reduced timeframe. 

TranzWare CMS

Being highly customisable and one of the most comprehensive products on the market, TranzWare CMS provides the tools to enable the efficient operation and management of card issuance and lifecycle, bank and merchant acquiring. The product also ventures into the broader retail banking territory to include saving account management, revolving credit management, instalments, loans, scoring and many more attractive features. This functionality aids the management of cards, accounts and payments giving financial institutions the opportunity to realise customer payment needs and to securely meet their saving and borrowing requirements. TranzWare CMS not only includes a variety of built-in predefined financial product templates but also development tools that enable customers to design their own financial products or services. This offers financial institutions of any size the ability to supply differentiated services with unrivalled longevity, giving them a competitive edge and helping to make the most of their technology investments. 

TranzWare Interchange

Boasting great functionality, TranzWare Interchange automates a variety of interchange functions, adeptly processes large volumes of data and provides the efficient clearing and settlement of electronic transactions. Not only is it capable of satisfying the interchange needs of a financial institution’s operation in a complex environment, it is also highly adaptable and can deliver efficiency to a financial institution operating in a relatively confined and simple environment. The product contains a number of built-in interchange schemes as well as being equipped with mechanisms for creating and supporting payment systems of any complexity. 

TranzWare Card Factory

Created to offer a refined EMV-compatible (M/Chip, VSDC) card personalisation and issuing centre, TranzWare Card Factory enables card issuers to satisfy the demands of any market in a cost-effective, efficient and secure manner. With seamless and easy integration to any card management system, the product supports the personalisation of all card type and offers unlimited scalability and load balancing to accommodate a business of any size - from a small in-house operation to multi-institution Third Party Personalizers (Visa/MasterCard). 

TranzWare Internet Banking

Based on cutting-edge technology, TranzWare Internet banking provides an array of options helping to establish a flexible, fully adaptive Internet banking system: both in terms of integration with external IT solutions and customisation of user interfaces and services. TranzWare Internet Banking comprises of the complete set of operations and settings required from a modern Internet banking system with additional features that provide unlimited opportunities in establishing a financial web service attuned to customer needs. 

TranzWare Mobile Banking

Developed to address dependency on a phone’s make and model, lack of extensive functionality as well as to improve security, TranzWare Mobile Banking encompasses all the functionalities needed to provide efficient and secure banking services via mobile channels. The specialised application (MIDlet) developed on Java Mobile platform enables all the facilities of full-fledged Internet Banking, which not only prevents any loss in functionality regardless of mobile device type but also increases security using DPA/CAP technology, SMS passwords, digital identifier and iPIN. 

TranzWare Fraud Analyzer

Capable of substantially reducing the risk exposure and losses associated with a wide range of fraudulent activities, TranzWare Fraud Analyzer is an automated analytical system providing advanced fraud monitoring, detection and prevention. The product efficiently monitors, alerts and acts in response to suspicious actions of various system user groups based on pre-defined rules. TranzWare Fraud Analyzer incorporates case investigation and dispute management with extensions for transaction data analysis, operational reporting and the detection of patterns, trends and cross dependencies. The system can effectively protect card business of any size ensuring great return on investment. 

TranzWare e-Commerce

As one of the tools in the fight against online fraud, TranzWare e-Commerce is purposed for advanced and reliable Internet transaction authenticity checks based on 3-D Secure protocol and is a part of the Verified by Visa and MasterCard SecureCode programmes that make it compulsory for cardholders to verify their identity to their bank at the point of online purchase. TranzWare e-Commerce encompasses two independent ACS and MPI modules as well as a host of additional security features including various access certificates, digital signature verification, support of DPA/CAP, etc. 

TranzWare Fraud Analyzer

Capable of substantially reducing the risk exposure and losses associated with a wide range of fraudulent activities, TranzWare Fraud Analyzer provides advanced fraud monitoring, detection and prevention. The product efficiently monitors, alerts and acts in response to suspicious actions of various system user groups based on pre-defined rules. TranzWare Fraud Analyzer incorporates case investigation and dispute management with extensions for transaction data analysis, operational reporting and the detection of patterns, trends and cross dependencies. The system can effectively protect card business of any size ensuring great return on investment. 

TranzWare Claims Manager

Serving as a comprehensive workflow management system that automates dispute processing, TranzWare Claims Manager allows the management and resolution of a variety of claims received from bank customers and payment system members. A claim management operator can create cases, monitor the status of assigned cases, change parameters, create alerts, define exact due dates and prioritise cases. This exceptional level of control ensures the effective management of disputes according to both internal and payment network requirements. 

TranzWare Cash Planning

Comprising of robust analytical tools that enable banks or ATM deployers to significantly cut losses associated with the idle cash in ATMs, TranzWare Cash Planning promotes innovative and effective ATM cash management. The product supplies bank personnel with complete, up-to-date analytical information with regards to the cash status in all the ATMs in a network and advises on the appropriate actions, timetables, etc. This information can be used to make informed decisions on amounts loaded into the ATMs and to find the right balance between the cash loading costs and expenses associated with the idle cash. 

TranzWare Debt Collector

To address profit loss due to bad debt, TranzWare Debt Collector enables the prompt and effective collection of payments. The product can provide a financial institution with sophisticated debt case management based on a variety of algorithms, present a range of actions that can be taken based on debt type, create a timetable of interactions to be made with a debtor, monitor debtor contacts history, take account of fees and charges and efficiently manage the debt recovery lifecycle. 

TranzWare Data Warehouse

Purposed for the collection, organisation and storage of vast volumes of detailed historical payment data, TranzWare Data Warehouse is a powerful integrated engine that stores complete data on customers, contracts, accounts, transactions and merchants. The system represents a single platform ready to use in various analytical systems such as fraud analysis, data mining, ATM cashflow forecasting, statistical modelling of objects behaviour and more – all utilised on a single database. 

TranzWare Case Manager

As a universal platform, TranzWare Case Manager allows the development and implementation of products that will automate various workflows within a financial institution guided by different internal and external regulations. A number of products within the TranzWare family, such as Fraud Analyzer, Debt Collector and Claims Manager, use this technological platform. The system and all the applied products are based on the common data stored in TranzWare Data Warehouse. TranzWare Case Manager facilitates case and case object management, organisation of internal and external document circulation, algorithms and workflow rules library development, automatic and semi-automatic workflow management, aids the decision-making process and performs other functions necessary for effective workflow management.