Asoft Architecture

Asoft Architecture

Software development:
Asoft concept and tools

Development, core concepts and frameworks:

  • Core functionalities (Multi bank support, Multi language support, Multi theme support, Multi Dashboards, Audit log, User/System Activity log, User Management (Role function, User Preference, Password policy, Two factor authentication)
  • Web-Framework (Responsive Web Design using HTML5, CSS3, jQuery)
  • Latest version of frameworks: Spring, Hibernate, Apache Lucene

Development concepts are in line with latest technologies of the software industry to:

  • Accommodate agile approach in software design and development (UML/SoaML Modeling, Agile UP)
  • Embrace incremental iterative development, Java EE 6.0 or newer lightweight/declarative programming model, last generation Application servers and last generation RDBMS

Supported database and application servers:

  • IBM DB2, Oracle, PostgreSQL, or any other hibernate supported database
  • IBM WebSphere, JBoss (WildFly), Tomcat, or any other java application server

Software quality:
some facts

  • Asoft products process millions of transactions in real-time, 24/7, with high reliability (>5 nines)
  • ArsBlue implements and supports Asoft successfully in very poor infrastructure environments of emerging countries
  • Asoft products are listed in IBM Global Solution Directory
Asoft products in IBM Global Solution Directory
Asoft products in IBM Global Solution Directory

Software Currency

Software Currency

All AsoftA2Z products were recently certified (VISA Host VSDC and ADVT, MasterCard NIV and M-TIP, PCI DSS, PA-DSS Version 3.2)

< An example of PCI DSS v3.1 certificate

Scalability & Resilience

Application scalability is provided at the level of Application Server. Both, vertical and horizontal types are supported.

Database scalability is provided by IBM and Oracle DBMSs and solutions.

Implementation Asoft application software suite up to 1.000 transactions / second will be completed in 2nd Quarter 2017.

Resilience of AsoftA2Z system is provided by modular design, BCP and DR.

Modularity & Flexibility

Asoft is a highly modular and flexible application software.

For example, the system may be used:

  • For management of any combination of device types (EFT POS, ATM, KIOSK) at the same time
  • For agency banking: distribution of banking services via merchants' eft-pos network
  • For management of any combination of cards (debit, credit, pre-paid, virtual/mobile, cobrand...)
  • For integration with any number of processors, issuer or acquiring institutions, by using various protocols or methods for integration
  • For managing multiple acquirers on one physical eftpos, sharing of ATMs between acquiring institutions, managing virtual eft-pos on ATMs...

Power of Asoft: Unique architecture

  • Asoft flexible architecture allows tailoring solutions to real clients' needs
  • Fast implementation with proven methodology
  • High efficiency and flexibility in execution of new, complex clients' requirement
  • Innovative and optimized architecture of the card based payment system
  • Dramatic decrease of cost per payment transactions and payment terminal managed
  • Entirely in-line with Gartner group recommendations

Power of Asoft

AsoftA2Z ATM

  • Consists of: server application and vendor independent ATM terminal applications
  • Provides full management of ATM business including processing and booking of ATM acquiring transactions

AsoftA2Z ATM architecture

AsoftA2Z ATM architecture

The Major AsoftA2Z ATM Features:

  • Integrated ATM management using ISO8583 protocol, XML and HTTPS. ATM is the part of the banks' WEB environment;
  • Comprehensive Issue Management and ATM Monitoring, including management of SLA (Service Level Agreements), assets management, video surveillance, etc.
  • Centralized and automatic marketing and promotion management
  • Switching of transactions based on BIN and other criteria
  • Integration with other host using ISO 8583 standard (ISO 8583-1:1987 and ISO 8583-1:1993 versions) financial messaging protocol, in many of its variants and dialects, SPDH, WEB services, etc.
  • Cash Management supports the mission to calculate the optimum amount of money to be placed in the ATM to satisfy demands and minimize the costs. Cash position moni tor ing, demand forecast ing, optimization, order and settle cash through the cash cycle are included

AsoftA2Z TMS

  • AsoftA2Z TMS consists of: server application and eft-pos terminal vendor neutral applications
  • Provides full management of merchant acquiring business, including processing and booking of merchants' acquiring transactions

AsoftA2Z TMS architecture

AsoftA2Z TMS architecture

The Major AsoftA2Z TMS Features:

  • EFT-POS terminal neutral application that operates on Verifone, Ingenico, PAX,..
  • Multi-acquiring – support for many virtual payment terminals on a single physical device
  • Multi-language
  • Certified by Visa and MasterCard
  • PA DSS certified
  • Dial-up, TCP/IP, serial-TCP/IP, GPRS, CDMA
  • Remote activation/deactivation, configuration (per category)
  • Different transaction types, magnetic and EMV cards, purchase, cash advance, purchase with cash back, refund, pre-authorization, adjustments, void, settlement, reversal, local login, init, mobile top-up/voucher on-line and off-line sales
  • Real time monitoring
  • Advanced security key management

AsoftA2Z Mobile

AsoftA2Z Mobile architecture

AsoftA2Z Mobile

AsoftA2Z Mobile

AsoftA2Z Mobile architecture

The Major AsoftA2Z Mobile Features:

  • Easy user activation - download of the AsoftCrypto browser application, no complex clients registration is required
  • Easy application management - no changes are required at the mobile application side
  • Simple and easy enhancement for new services, only changes on the server side required
  • At the server side - AsoftA2Z, proven software for payment terminals management (ATMs, eft-pos terminals, mobile and kiosks) is implemented
  • At the mobile device side, specific browser application with high security features
  • Works in all Mobile Networks
  • Highest security provided from end-to-end (HTTPS, 3-DES, SSL, RSA, ECC, m-PIN protection, transaction or amount limits, etc.)

AsoftA2Z IPG Internet Commerce

AsoftA2Z IPG Internet Commerce

3D secure e-commerce transactions

3-D Secure e-commerce transactions managed by redirecting the buyer on the Payment Gateway Payment Page where card data are entered.

Server To Server Transactions - 3D secure by Payment Gateway

The Consumer provides its credit card data on the Merchant website. Payment Gateway performs all 3-D Secure related activities. All communications between the Merchant website and the Payment Gateway are based on Server To Server messages exchange.

Recurring payments

Initial payment request is managed in 3D Secure e-Commerce mode providing a unique identifier. The subsequent payment requests are submitted by the Merchant in server to server mode, by using initial payment identifier instead of the card data.

MasterPass

Cardholders collect their credit cards inside an electronic wallet (managed by MasterCard). During payment transaction cardholder selects the credit card from the wallet without inserting credit card data on the.

AsoftE2E Card Management System

  • Integrated credit, debit, pre-pad, virtual/mobile card management system
  • Strong authorization, full transaction processing and integration with core banking software
  • Comprehensive merchant acquiring, including real time settlement

AsoftE2E Card Management System

Integration with external systems

List of all the different types of interfaces/integration mechanisms:

The following interface types are used in AsoftE2E integration to gateways on processors:

  • ISO 8583 (1987) – ISO87BPackagerTE, ISO87BPackager, ISO87ATicBEKPackager
  • ISO 8583 (1993) – ISO93CortexPackager
  • Base24 BIC ISO 8583 – ISO87BicIsoPackager

AsoftE2E also supports integration to core banking or other systems (E-banking, CRM, Insurance companies) by using:

  • Web services (SOA),
  • Secure File Exchange,
  • MQ (WebSphere, ...),
  • Stored procedure, and
  • Socket-to-socket connection

Extended services of AsoftE2E

LOYALTY

LOYALTY

DISPUTE MANAGEMENT

DISPUTE MANAGEMENT

FRAUD MANAGEMENT

FRAUD MANAGEMENT

ANTI MONEY LAUNDERING

ANTI MONEY LAUNDERING

ACESS CONTROL SERVER (3D SECURE)

ACCESS CONTROL SERVER
(3D SECURE)

AsoftE2E Loyalty

  • Loyalty scheme definition (card products, reward list, transaction types)
  • Extremely flexible way to define point value (based on card product, transaction origin, mcc, merchant site) with several criteria to match with (priority order)
  • Clients access to information about earned loyalty points and possibility to claim reward - web loyalty portal available
  • With integration with AsoftA2Z - claim reward transaction is possible also on POS
  • Calculation and review of loyalty points and rewards
  • Reward can be defined as a gift or cash-back

AsoftE2E Anti Money Laundering

AsoftAML helps the financial institutions to save the reputation providing a solution to fights the crime by detecting, investigating and reporting money laundering activities.

AsoftE2E Anti Money Laundering

AsoftAML automatically identifies, classifies and uncovers suspicious activities, so financial service organizations can have faster access to critical information, detect suspicious activities with greater accuracy, easily access an audit trail, and present investigators with accurate and relevant information.

AsoftAML can be interfaced to any banking application. It is multi language and operates on all major platforms. It filters account, transaction, any message type, any message channel and also, any other attribute of client.