CPS Card Personalization System. Card Personalization System Agenda The Company Product Description...

CPSCPS

CardCardPersonalizatiPersonalizati

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CPSCPS


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Card Personalization System

AgendaAgenda

The Company

Product Description

CPS Market Drivers

Functional Overview

Demo

Conclusion

CPSCPS

The Company Product

Description CPS Market

Drivers Functional Overview

Conclusion


Sigmenta’s Operating ModelSigmenta’s Operating Model

Headquarters in Madrid, Spain

Majority shareholder is GMAST Group of Israel

Dedicated to the research, development and

implementation of technologies for synchronous

processing and evaluation of transactions (STT ®)

Operating in:

Europe

North and South America


Spain

Software Development and Sales

Offices in Europe, USA and Latin America

Israel

Presence and projects in 27 countries

Physical Security

Border/Perimeter Security

Turnkey Security Projects

Israel

Group R&D

Venture Capital

GMAST InternationalGMAST International


Venezuela

Integrated Security Services

Product Representation Services

Security Operations Outsourcing

Research and Intelligence

Venezuela

Software Factory

In-house development and deployment of GMAST applications.

Off-shore outsourced development services for clients

GMAST GroupGMAST Group


TFRS

Transactional Fraud

Reduction System

Integrated real time solution for card

fraud control

CPS

Card Personalization

System

Personalization of the consumer

profile of payment cards

eBONUS

CNB

Banking services for unbanked

individuals, payment card

personalization, and streamlining of

expense management processes

LoyaltyControls the level of customer loyalty in

financial and non-financial institutions

Our ProductsOur Products

CPSCPS

The Company Product


Drivers Functional

Overview Conclusion


What is CPS?What is CPS?

A transaction authorization process that enables

real-time transaction approval or denial, according

to conditions pre-established by the customer

Cards and card profiles (for a single cardholder or

for a group) are created and managed under a

single BIN.

Cardholder has direct control over the card profile,

which he or she can define and modify according to

personal or professional needs.


What is CPS?What is CPS?

Based on neural nets and Synchronous Transactional Technology STT 4G ®

Analyzes and approves or denies transactions in real-time

Immediate, seamless integration into the issuing bank’s existing systems.

Capacity to impose detailed combinations of conditions of use. Conditions include: transaction amount limits, transaction type (ATM, POS, etc.), vendor/vendor category, time periods during the day, etc.

No need for a separate BIN


STT 4G STT 4G

Synchronous Transactional Technology 4th Generation -

STT 4G ®

Real-time technology for solving real life problems

No time-out in response

Breakthrough solution for managing transactions

Flexibility to create innovative business models

Strong customer acceptance


Supports financial institutions’ strategies

Cost reduction

New service development

Customer fidelity

Expands business opportunities beyond the financial

world

Welfare

Government benefits

Telecom

“We created an emerging technology…..”

STT 4G STT 4G


S.A.T. divides the work into two separate processes:

ASYNCHRONOUS MODULEAnalyzes and processes

asynchronously, without impacting critical response time, all data to be considered in the

client’s next transaction.

SYNCHRONOUS MODULEEvaluates the incoming

transaction in real-time, subjecting it to constraints set by

the asynchronous module.

To evaluate an operation in real-time, we face:

Long code High intelligence Much processing time

Short code

Little intelligence Little processing time

To solve this problem and obtain good results online we need:

High intelligence Little processing time

Short code

Neural Network

&Expert

SystemsTechnology

Synchronous/Asynchronous Synchronous/Asynchronous Technology – S.A.T.Technology – S.A.T.

S.A.T.

CPSCPS

The Company Product


Drivers Functional

Overview Demo Conclusion


CPS Market DriversCPS Market Drivers

Cardholder (or card manager – e.g. company,

family member, government, etc.) can easily

define and manage the card profile

System provides an infrastructure for an entire

suite of original and personalized products

Risk of misuse and costs are reduced

Image improvement

Increase customer satisfaction

Overcomes drawbacks of Purchase Cards, Fleet Cards Overcomes drawbacks of Purchase Cards, Fleet Cards and Corporate Cards and Corporate Cards

CPSCPS

The Company Product


Drivers Functional

Overview Conclusion


AUTHORIZATIONSYSTEM

MainFrame/AS/400Media System

Trigger

STT Database

Synchronous

Alert Engine

LinkAsynchronous

Clients

AuthorizationTx

CHANNELS

POS

ATM

VRU

CallCenter

Teller

Franchises(Visa, MC,

AMEX)

Internet

Natural Customer

Corporate Client WEB

Call Center

Branch Office

Massive Charge

Inbound/Outbound

Web Pages

Mobile Telephone

Start

Card Admin. FRONT

CPS DiagramCPS Diagram

Connectors

Platforms

Synchronous

OperativeTables

Administrative

Tables

Asynchronous


Intelligent Interface to

external Systems

Synchronous Decision Makers

Personalized front-end application

Credit-Debit Card System

Transaction DB contains user profiles indicator

Authorization System

TxSynchronus

Routines Factors

Asynchronus

Tx

Synchronus Connector• Data Formatter• Basic Logic decision • Absence response• Transactions to discard• Switch’s Evaluation• Message's Services

Asynchronus Connector• Data Formatter• Authorization Data• Combined information

• General Conditions Evaluation• Specific conditions evaluation

Define RoutineFactors Evaluation

• Lock the information• Return Response

ProductOperationChannel

• Specific conditions – Reconfirm Synchronus Evaluation (Regenerate Routine y Factors)

• Prepare the next transaction• Demon postulated

Tx

Data Base

Demons

•Generate Virtual Transaction• Prepare the next transaction

Clients Product Builders Technical Support Call Center

Front-End

CPS ArchitectureCPS Architecture


ExampleExample

A company wishes to control credit card expenses for sales personnel

Conditions: Business-related purchases limited to certain

establishments Restaurants Gas Stations Hotels Car Rentals Pharmacies

Transactions performed during work hours

Daily, weekly, monthly transaction amount limits

Limited to POS purchase

Minimum time interval between transactions

CPSCPS

The Company Product


Drivers Functional

Overview Conclusion


OpportunitiesOpportunities

Purchase card Immediately applicable to existing:

Credit cards – Personal & Corporate Debit cards Private label cards

Meal Vouchers Family Group Cards Co-Branded Cards Insurance Cards University Cards Pharmacy and Medical Cards Travel & Expense Cards Phone Cards Prepaid Cards: Open or Closed


ConclusionConclusion

Sigmenta Card Personalization System (CPS) is an

innovative and robust solution that enables card-

issuing institutions to instantly create new products

for their end customers, offering highly

personalized spending management. The system

implements Sigmenta’s innovative Synchronous

Transactional Technology (STT 4G®) to verify every

transaction against multiple, rich conditions before

it is approved.

Implementing CPS, financial institutions can present

new offerings to their cardholders, thus gaining

competitive advantage

CPSCPS


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CPSCPS


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CPS Card Personalization System. Card Personalization System Agenda The Company Product Description...

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