SmartVista

The complex of solutions of processing processing integrated by the general name SmartVista offers a full range of electronic payment solutions which will help to enter the market quicker. Card management, ATMs and trade in payment processing - the solutions SmartVista are implemented from uniform integrated, opened the system platform.

Broad spectrum of solutions of SmartVista of a possibility of effective support and management of payments on all channels, including POS, branches, the Internet and mobile applications. From simple credit and debit cards to difficult programs of loyalty and several applications of smart cards, SmartVista maintains all aspects of card management.

Besides, SmartVista is certified by the leading international payment brands, including American Express, Diners Club, MasterCard, Visa and including - for issue of EMV and acquiring. SmartVista also detects and prevents fraud, improving result.

Functionality of the SmartVista system allows to manage effectively a multi-channel customer service using different devices and means of communication, including implementation of payments in the environment of an electronic and mobile commerce. The products SmartVista provide support of all aspects of business of electronic payments: from release and service of usual debit and credit cards to the unique combined products.

The products SmartVista are certified by international payment systems of American Express, Diners Club, MasterCard and Visa, including on issue and acquiring of smart cards of the EMV standard. SmartVista is a part of the system the solution for monitoring and prevention of fraudulent transactions in real time which allows clients to increase net profit, reducing losses from fraudulent transactions.

To issuers and ekvayer of bank cards and also to banks which need advanced functionality for processing of electronic payments SmartVista provides the full-function complex of solutions lifting process of management of electronic payments to qualitatively new level.

"The certificate of conformity confirms to requirements of concept CI Ready compatibility of a product family of SmartVista with convergent infrastructure of HP, – Grigoriev Vasily, the CEO of BPC Bank Technologies says. – This certification gives to our clients additional confidence that the implementing solution SmartVista on the HP platform will allow them to avoid technology idle times".

The concept of Converged Infrastructure Ready gives to participants of the program an opportunity to take advantage of convergent architecture and, after careful testing and assessment of compatibility, to bring the best solutions to the market. The companies using these solutions are capable to react instantly to constantly changing customer requirements and to get an additional profit, at the same time reducing time of an output of new products.

"Banks and other financial institutions cannot allow a possibility of technology idle time because of incompatibility of solutions and should be sure of seamless integration of all applications during the work on the most reliable platforms. Certification of conformity to requirements of concept CI Ready allows clients to select those solutions which are compatible to convergent infrastructure of HP, – Steve Soltvik, (Steve Saltwick), the director of HP of the NonStop Marketing direction adds. – Existence of certificate CI Ready gives additional benefits to the solution SmartVista in the conditions of fierce competition in the world market".

2017

Vulnerabilities in the SmartVista platform lead to date leak

Researchers from^[1] announced in October two vulnerabilities in a single platform for electronic business and processing of the plastic cards SmartVista which can lead to date leak. It is about two problems allowing to implement the SQL code in the SmartVista Front-End system of version 2.2.10 (assembly 287921). Attacking with access to the SmartVista Front-End interface can exploit vulnerabilities and obtain information which is stored in the database on the server.

Transactions in the section of Customer Service of the SmartVista Front-End interface allows users to browse data on the transactions connected with certain cards or accounts. The problem is that fields where the card number and accounts are specified, do not carry out due cleaning of information entered by the user, experts explained. Thus, the malefactor using specially created requests can force the application to display information from the database of the server, including logins, passwords, numbers of payment cards and other data on transactions.

According to experts, in attempt to enter binary search term, for example, 'or' 1 '= ’1 in the field of Account Number, displays all information on transactions.

Rapid7 informed the developer of the platform BPC Bank Technologies on vulnerabilities in May of this year, however the company still did not release the adjusting patches. All attempts of specialists of the coordination centers CERT/CC and SwissCERT to contact vendor also were unsuccessful. As a method of prevention of operation of vulnerabilities specialists recommend to limit whenever possible access to management of the SmartVista interface, to carry out monitoring of successful and unsuccessful attempts of authorization and also to set WAF (Web Aplication Firewall is the firewall of the application layer).

Compatibility with Tibero DBMS

TmaxSoft, the South Korean developer of the system software, "BPC Bank Technologies" and "BPC Processing" completed tests DBMS Tibero for joint work with the processing SmartVista system. On September 12, 2017 reported about it in TmaxSoft.

In the course of tests was load tests on the products Tibero from TmaxSoft are performed. Based on tests experts of the joint working group came to conclusion that the product family for processing of SmartVista in combination with Tibero DBMS shows steadily high rates of performance and reliability. Read more here.

2016: SmartVista: the test on the platform h86 HPE

On March 15, 2016 the BPC Bank Technologies company announced end of a series of load testings on the flagman HPE Intergrity Superdome X servers. The main objectives of tests - check of performance, flexibility and scalability of SmartVista on the business and critical platform h86 Hewlett Packard Enterprise within strategic alliance^[2].

The test procedure assumed reproduction of real scenarios of work in the conditions of authorization of stand-in, stream routing and authorization of transactions. Within the scenario stand-in of authorization conditions of the environment including 1 million card accounts, 100 thousand POS terminals and 10 thousand ATMs for check of availability and effectiveness of a system upon purchases via POS terminals and requests for cash disbursement of means on ATMs were recreated. In the course of the test processing of 3200 transactions per second is carried out. According to the parties, it proves capability of BPC SmartVista on the HPE Superdome X platform to provide the service level of more than 11.5 million transactions per hour at long loading of a system.

Results of testing on the second scenario showed capability of a system to provide full processing of 3800 transactions per second at an authorization request from international payment systems, it more than 13.6 million transactions per hour, project participants said.

Effective cooperation of our companies once again proves advantages of joint installations which provide decrease in operating expenses and exact forecasting of volumes of building of loading. The combination of SmartVista and HPE Superdome X allows any companies, irrespective of the volume of their payment business, to be sure that similar payment infrastructure is capable to function without forced idle times, providing the due level of availability of processing. Marcel Bank, senior vice president, managing director of department of development and deployment of BPC Bank Technologies

2012: IBM «Ready for DB2»

In March, 2012 it was announced that the solutions which are a part of a product family of SmartVista: SmartSwitch, SmartATM and SmartGuard – underwent validation according to the program of IBM "Ready for DB2". Now all financial institutions using DB2 database management systems had an opportunity to take advantage of technology partnership of BPC Bank Technologies and IBM and to estimate individual approach to each client in combination with simplicity, reliability and security.

Composition:

SmartSwitch The solution in real time providing the mechanism of authorization of cards. SmartSwitch provides the web interface for communication of external devices, such as POS terminals or ATMs, on the Internet and mobile payment systems, and then directs these cards for processing by the issuer.

SmartIssuer For issuers who need a difficult method of management of all aspects of relationship with the card holder SmartIssuer provides integrated solution to control of the card which simplifies service of the card. SmartIssuer will help to create easily new card products, providing at the same time functionality of management of the existing programs of cards.

SmartPro For issuers who look for the system of production of cards which is completely integrated with upravleny the card SmartPro provides the complete solution of personalisation magnetic and smart cards. The difficult mechanism of personalisation gives all necessary functionality for stamping, card encoding with a magnetic band, to personalisation of the chip, support of printing of mail PIN and delivery addresses. SmartPro also includes management key to processes, necessary for personalisation of cards and provides the interface to means of personalisation of cards and the equipment of security of a number of widely used suppliers, including DataCard, SafeNet, Thales and also producers of chips.

SmartATM SmartATM interacts with ATMs of all leading manufacturers, including Diebold, NCR and Wincor Nixdorf. Besides, the solution supports all transactions, typical for ATM, such as cash withdrawal, balance request, change of the PIN code, mini-statement, creation of a deposit of cash and money transfers. Introduction of a fund, payment of mobile communication, activation of services, payment of housing and public utilities and payment of accounts belongs to the added value of transaction types. The expanded ATM functions, such as work with payment systems, payment of taxes, replacement of bank notes and currency conversion are also supported.

SmartMerchant SmartMerchant services trade operations collecting the relevant information or from paper, or in electronic form, and then saves parts in the single database of the buyer. During registration it is possible to organize trade relations according to any structural hierarchy, for choice. For example at the level of shop, department or the terminal. As soon as this structure is created, it is possible to manage the general trade relations at any level, including settlement, drawing of accounts and the reporting.

SmartLoyalty SmartLoyalty allows to configure easily the loyalty program and supports calculation of an incentive, accounting of an incentive, the account of stimulation and use - in the uniform tool.

SmartBilling The solution SmartBilling automates and optimizes payment procedures and accounting of retail payments. The application fixes payment data and connects to the system of clearing, and then acts as the agent on commission of debit or credit operation on a customer account.

SmartGuard SmartGuard answers calls, using the module which uses the transaction filters determined by technology rules of work with the user, and monitoring on the basis of neural network effectively detects and blocks suspicious transactions. The solution combines advantages online and offline of detection of fraud and allows both to card issuers, and buyers to monitor the transactions happening in the traditional and developing channels, such as ATMs, POS, electronic and mobile commerce.

2011

In November, 2011 the BPC Bank Technologies company announced a successful completion of certification of a product family of SmartVista within the HP AllianceONE "Converged Infrastructure (CI) Ready" program. Certification on compliance to requirements of the concept of Convergent infrastructure became possible thanks to successful adaptation of a product family of SmartVista to the Integrity NonStop HP platform and confirmed capability of the solution to provide the highest level of continuous availability.

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