Mbu Procesing

MBU d.o.o.

company profile

C O M PA N Y P R O F I L E

korisnici MBNET-a

MBNET users

banke/banks

ostali/others

BANKA KOVANICA d.d.

DINERS CLUB ADRIATIC d.d.

BANKA SONIC d.d.

NEXCOM d.o.o.

CENTAR BANKA d.d.

PBZ AMERICAN EXPRESS d.o.o.

CREDO BANKA d.d.

T - MOBILE HRVATSKA d.o.o.

ERSTE BANK DER OESTERREICHISCHEN SPARKASSEN AG

TELE 2

ERSTE BANK a.d. NOVI SAD

VIPNET d.o.o.

ERSTE & STEIERMÄRKISCHE BANK d.d. IMEX BANKA d.d. ISTARSKA KREDITNA BANKA UMAG d.d. JADRANSKA BANKA d.d. KARLOVA»KA BANKA d.d. KREDITNA BANKA ZAGREB d.d. OTP BANKA d.d. PARTNER BANKA d.d. PODRAVSKA BANKA d.d. PRIMORSKA BANKA d.d. SAMOBORSKA BANKA d.d. SLATINSKA BANKA d.d. SLOVENSKA SPORITELNA, A. S. VABA d.d. BANKA VARAÆDIN VOLKSBANK d.d.

MBU d.o.o. Banks compete with each other in the field of services, but cooperate on matters of infrastructure...

C O M PA N Y P R O F I L E

TOGETHER BETTER

C O M PA N Y P R O F I L E

lakπi put do suvremene banke

HR

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an easier way towards modern banking

ENG

Banke se meusobno nadmeÊu na podruËju usluga, a surauju na podruËju infrastrukture...

Banks compete with each other in the field of services, but cooperate on matters of infrastructure...

MBU d.o.o. za informatiËki inæenjering i meubankarske usluge je sukladno zahtjevima banaka, projektirao, izgradio i uveo u funkciju zajedniËku infrastrukturu za suvremeno poslovanje s bankovnim karticama - MBNET.

MBU d.o.o., a company specializing in IT engineering and interbank services, in compliance with bank requirements, has projected, developed and launched a common infrastructure for bank card operations - MBNET.

MBU putem MBNET-a omoguÊuje bankama izdavanje bankovnih kartica i njihovog prihvaÊanja na bankomatima, πalterima banaka, EFTPOS terminalima, Internetu i putem telefona, a sve u funkciji ostvarivanja suvremenih bankarskih usluga.

In function of modern banking service realization MBU via MBNET enables for banks: bank card issuing, card acceptance at ATMs, EFTPOS terminals, bank counters, on the Internet and by telephone.

MBU je u cilju poveÊanja sigurnosti, pouzdanosti i kvalitete usluga uveo u funkciju najnovije tehnologije i rjeπenja temeljena na koriπtenju Ëip kartica, podupiruÊi time svoje korisnike u razvoju suvremenog viπekanalnog bankarstva. MBU stalno zapoπljava i osposobljava struËnjake u vodeÊim svjetskim centrima, a svoju poslovnu politiku temelji na zahtjevima svojih korisnika i provodi je u duhu zahtjeva ISO 9001 normi kvalitete. Otvoren inovacijama i suradnji sa srodnim sustavima MBU uvodi nove usluge doprinoseÊi time ekonomiËnosti, kvaliteti i konkurentnosti bankovnog poslovanja. MBU u svom razvoju postupno πiri svoje poslovanje i izvan Republike Hrvatske te postaje pruæatelj usluga u procesiranju transakcija s karticama u πiroj regiji. MBU je izbor za dokazani lakπi put do suvremenog bankarskog poslovanja s karticama. mr. sc. Sergio Uran, d.i.e. Direktor MBU d.o.o.

In the interests of enhancing security, reliability and quality of services, MBU has introduced state-of-the-art technology and solutions based on use of EMV chip-cards to support development of modern multiphase banking services. MBU employs experts trained at the leading international centers, and MBU’s operating policy is based on ISO 9001 quality standards. MBU is open to innovation and interfacing with similar systems, thereby contributing to cost effective, quality and competitive banking operations. MBU in its development gradually expands business activities outside Croatia and becomes card transaction service provider in the region. MBU is the right choice for a demonstrably easier path to modern card-based banking operations. Sergio Uran, M.Sc. Managing Director MBU d.o.o.

USE YOUR

CHOICES

C O M PA N Y P R O F I L E

djelatnost MBU d.o.o.

HR

MBU Ltd activities

ENG

osnovne djelatnosti projektiranje informacijskih i komunikacijskih sustava autorizacija i usmjeravanje transakcija obavljenih s karticama nadzor bankomata i EFTPOS terminala upravljanje komunikacijskom mreæom razmjena podataka o transakcijama s karticama razmjena podataka za meubankovni obraËun procesiranje i upravljanje karticama generiranje EMV podataka personalizacija kartica izraËun PIN-a i tiskanje PIN omotnica testiranje sustava koja se prikljuËuje na MBNET konzultantske usluge upravljanje sustavom za kontrolu rizika (SKOR) nadzor kartiËne prijevare voenje reklamacijskih postupaka voenje kreditnih kartica sporedne djelatnosti πkolovanje korisnika izdavanje publikacija marketing i promidæba servisiranje opreme proizvodnja opreme zastupanje i trgovina opremom i potroπnim materijalom financijske i administrativno-tehniËke usluge

Primary activities Information and Communication System Design Card-based Transaction Authorization and Routing Monitoring of ATMs and EFTPOS terminals Communication Network Design and Management Card Transaction Information Exchange (Clearing) Data Exchange for Interbank Settlement Card Processing and Management EMV Data Generation Card Personalization Computation of PINs and Printing of PIN Envelopes Testing Systems Connected to MBNET Consulting Services RCS (Risk Control System) Management Monitoring of Card Fraud Refund Procedure Management Credit Card Management Secondary Activities Customer Training Publishing Marketing and Promotion Equipment Servicing Equipment Production Agency and Trade in Equipment and Supplies Financial, Administrative & Technical Services

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ALWAYS EASIER

C O M PA N Y P R O F I L E

MBNET

HR

MBNET je sustav za autorizaciju elektroniËkog plaÊanja i isplate gotovine u zemlji i inozemstvu pomoÊu platnih kartica, te prihvat domaÊih i stranih platnih kartica na bankomatima i EFTPOS terminalima u MBNET-u. Uz pomoÊ sustava MBNET banke mogu: izdavati i autorizirati transakcije kartica slijedeÊih brandova: MBCARD, MBCARD/Maestro, MasterCard, Visa i Visa-Electron prihvaÊati na vlastitim terminalima slijedeÊe kartice: MBCARD, Maestro, Cirrus, MasterCard, Visa, Visa-Electron, Visa-Plus, American Express i Diners. Razvoj MBNE T-a obiljeæen je slijedeÊim znaËajnim dogaajima: 16. prosinca 1992. inicijativa u Udruæenju banaka za izgradnju zajedniËke bankomatske mreæe 15. srpnja 1993. prihvaÊen Elaborat o opravdanosti osnivanja poduzeÊa za projektiranje i izgradnju zajedniËke bankomatske mreæe 26. sijeËnja 1994. utemeljenje MBU d.o.o. 25. sijeËnja 1995. potpisivanje ugovora sa BANKSYS-om, isporuËiteljem rjeπenja za autorizaciju i upravljanje MBNET-om 25. sijeËnja 1996. prva isplata na bankomatu u MBNET-u (MBCARD karticom) 25. svibnja 1996. prvo elektroniËko plaÊanje na EFTPOS terminalu u MBNET-u (MBCARD karticom) 21. kolovoza 1998. prva transakcija s MasterCard karticom u MBNET-u 10. rujna 1998. prva transakcija s meunarodnom MBNET Maestro karticom 13. studenog 1998. prva transakcija s Visa karticom u MBNET-u 21. lipnja 1999. prva transakcija s meunarodnom MBNET Eurocard-MasterCard karticom 10. studenog 1999. prva transakcija s meunarodnom MBNET Visa karticom 25. sijeËnja 2000. prva transakcija s American Express karticom na bankomatu u MBNET-u 04. prosinca 2000. BVQi certificate of Approval ISO 9001:1994

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MBNET

ENG

MBNET is a system for the authorization of domestic and international electronic payments and cash withdrawals with payment cards and acquiring of domestic and international payment cards on ATMs and EFTPOS terminals in MBNET. By using the MBNET system, banks can: issue cards and authorize transactions for the following card brands: MBCARD, MBCARD/Maestro, MasterCard, Visa and Visa-Electron accept the following payment cards on their own terminals: MBCARD, Maestro, Cirrus, MasterCard, Visa, Visa-Electron, Visa-Plus, American Express and Diners. MBNET development is marked with following important events: 1992, December 16 The Bank’s Association initiates the establishment of common ATM network 1993, July 15 Viability Study on the Establishment of a Company for the Design and Construction of a Common ATM Network adopted 1994, January 26 MBU Ltd established 1995, January 25 Agreement with BANKSYS, software provider, signed 1996, January 25 MBNET begins functioning. First ATM cash withdrawal via MBNET 1996, May 25 First electronic payment via MBNET 1998, August 21 First transaction using MasterCard card via MBNET 1998, September 10 First transaction using international MBNET Maestro card 1998, November 13 First transaction using Visa card via MBNET 1999, June 21 First transaction using international MBNET Eurocard-MasterCard 1999, November 10 First transaction using international MBNET Visa card 2000, January 25 First transaction using American Express card on ATM via MBNET 2000, December 04 BVQi Certificate of Approval ISO 9001:1994

C O M PA N Y P R O F I L E

HR

12. srpnja 2001. prva transakcija s MasterCard karticom u MBNET-u preko Interneta 27. kolovoza 2001. prva transakcija s American Express karticom na EFTPOS terminalu u MBNET-u 28. kolovoza 2001. prva transakcija s Diners karticom na EFTPOS terminalu u MBNET-u 01. veljaËe 2002. prva SMS poruka o transakciji MBNE T kartice 25. travnja 2002. prvi prodani bon na bankomatima u MBNET-u 14. lipnja 2002. prva autentikacija putem Interneta temeljena na viπefunkcijskoj Ëip kartici s ËitaËem za generiranje jednokratne lozinke 11. listopada 2003. prva transakcija plaÊanja MBCARD karticom putem mobilnog telefona 27. studenog 2003. izdana prva EMV MBCARD / Maestro Ëip kartica 26. listopada 2004. certifikacija EMV ATM acquiringa 06. prosinca 2004. prvi EMV bankomat u produkciji 06. listopada 2005. prvi je EMV EFTPOS terminal krenuo u rad 10. listopada 2005. poËetak prevencije kartiËne prijevare 01. studenog 2005. poËetak rada Centra za podrπku korisnicima 01. studenog 2005. uvedena Help Desk On-line usluga (HDOL) 14. studeni 2005. prihvat VISA EMV kartica na MBNET bankomatima 01. prosinca 2005. uvedena usluga voenja kreditnih kartica unutar MBU 01. prosinca 2005. izdana prva revolving kreditna kartica s raËunom u MBU 02. sijeËnja 2006. izdana prva VISA EMV (VISA Smart Debit Credit - VSDC) kartica 01. veljaËe 2006. prihvat VISA EMV kartica na MBNET EFTPOS terminalima Pouzdanim sigurnosnim sustavom, opremom stalne raspoloæivosti i djelotvornim srediπnjim nadzorom MBNET omoguÊuje korisniku bankovne kartice kvalitetnu bankovnu uslugu, samouslugu na bankomatima i elektroniËko plaÊanje - dvadesetËetiri sata dnevno, svakog dana u godini. Rasprostranjenost, sigurnost i raspoloæivost MBNET-a doprinose razvoju poslovanja i poslovnom ugledu banaka koje koriste MBNET.

ENG

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2001, July 12 First transaction using MasterCard card on Internet via MBNET 2001, August 27 First transaction using American Express card on EFTPOS via MBNET 2001, August 28 First transaction using Diners card on EFTPOS via MBNET 2002, February 01 First SMS message about MBNET card transaction 2002, April 25 First GSM voucher sold at ATMs in the MBNET system 2002, June 14 First Internet authentication based on the multifunctional chip card with a reader to generate One Time Passwords 2003, October 11 First transaction using MBCARD conducted by cell phone 2003, November 27 First EMV MBCARD / Maestro chip card issued 2004, October 26 Certification of the EMV ATM Acquiring 2004, December 06 First EMV ATM in Production 2005, October 6 First EMV EFTPOS terminal becomes operational 2005, October 10 Card fraud prevention introduced 2005, November 1 Customer Support Center opened 2005, November 1 Help Desk On-line service introduced 2005, November 14 VISA EMV card acquiring on MBNET ATMs. 2005, December 1 Introduced Card Management service within MBU 2005, December 1 Introduced first revolving credit card with account managed in MBU 2006, January 2 First EMV VISA (VISA Smart Debit Credit - VSDC) card issued 2006, February 1 VISA EMV card acquiring on MBNET EFTPOS terminals. With a reliable security system, high availability equipment and with efficient central monitoring MBNET offers to bank card users high quality banking services. Self-service at ATMs and electronic payment operations are available 24-hour a day, 365 days a year. In its scope, security and availability, MBNET advances the development of banking operations and the reputation of member banks.

C O M PA N Y P R O F I L E

MBNET

MBNET

kalendar uvoenja funkcija

Calendar of Function Introductions

E M V E M V

E M V

E M V

E M V

E M V

E M V

E M V

E M V

E M V

E M V

E M V

E M V

E M V

E M V

PROTON

E M V

1996. Card product KartiËni proizvod

1997.

1998.

EMV Card product issuing Izdavanje EMV kartiËnog proizvoda E M V

1999.

2000.

2001.

2002.

EMV Card product acquiring Prihvat EMV kartiËnog proizvoda E M V

E M V

2003.

E M V

2004.

E M V

E M V

2005.

E M V

E M V

2006.

EMV Card product issuing/acquiring Prihvat/izdavanje EMV kartiËnog proizvoda E M V

E M V

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simplE

COMPLEXITY

C O M PA N Y P R O F I L E

prikaz strukture MBNET-a

outline of MBNET’s structure Bank Bank Host System MBModule Connect Direct

Perso bureau

MasterCard

Public telephone network

Frame relay

Internet

MBSMS

GSM network

GSM user

MBePAY

Internet

Internet user

Visa Data preparation system

Amex

Back-office system

Authorization system Diners

Private X.25 network

Public telephone network

TCP/IP network

EMV EFTPOS terminal

Authorisation System - autorizacijski sustav ATM - bankomat Back-office system - pozadinski sustav Bank - banka   Bank Host system - sustav banke Bank network - mreæa banke   Data preparation system - sustav za pripremu podataka

ATM

ATM

EMV ATM

EFTPOS terminal

Bank network

EFTPOS terminal

ATM

GSM network - GSM mreæa GSM user - GSM korisnik Internet user - Internet korisnik Perso bureau - Perso biro Private X.25 network - privatna X.25 mreæa Public telephone network - javna telefonska mreæa TCP/IP network - TCP/IP mreæa

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C O M PA N Y P R O F I L E

HR

Autorizacijski sustav sluæi za autorizaciju isplata i elektroniËkih plaÊanja bankovnim karticama. U sustavu se nalaze podaci potrebni za to, kao i za druge usluge korisnicima bankovnih kartica (npr. informacija o raspoloæivom iznosu). Autorizacijski sustav osim autorizacije transakcija, obavlja i prosljeivanje (switching) zahtjeva za autorizaciju prema drugim mreæama. Pozadinski sustav sluæi za podrπku poslovima pripreme i razmjene podataka izmeu banaka i MBU-a, za pripremu i razmjenu podataka s Autorizacijskim sustavom MBNET-a, za razmjenu podataka s meunarodnim kartiËnim kuÊama, za podrπku Sustavu za voenje kartica te za pripremu podataka o meubankarskim naknadama i obraËunima, statistiËkim podacima MBNET-a i naknadama MBU. Komunikacija izmeu Pozadinskog sustava i banaka ostvarena je preko aplikacija MBModul i/ili C:D (Connect Direct) koje se nalaze na radnim stanicama u bankama. MBModuli uspostavljaju vezu s posluæiteljem Pozadinskog sustava i razmjenjuju podatke putem javne telefonske mreæe ili preko zakupljene Frame Relay veze dok C:D uspostavlja vezu iskljuËivo koristeÊi Frame Relay. Sustav za voenje kartica je sastavni dio Pozadinskog sustava, a banka ga moæe koristiti za voenje svojih kreditnih i debitnih kartica, raËuna kartica i podataka o korisnicima kartica. Sustav podræava revolving i druge vrste kredita, omoguÊuje udaljene radne stanice u banci, pripremu datoteke s izvodima raËuna za korisnike i slanje u banku sintetiËkih podataka za knjiæenje. Sustav za pripremu podataka za personalizaciju generira PIN kartice, vrπi pripremu podataka za EMV Ëip kartice ukljuËujuÊi sigurnosne kljuËeve, te priprema ostale podatke potrebne za personalizaciju kartica. MBU ispisuje PIN omotnice za sve vrste kartica i personalizira debitne kartice bez Ëipa, dok se EMV Ëip kartice na temelju u MBU kreiranih podataka presonaliziraju u specijaliziranoj usluænoj organizaciji (Perso biro). Bankomat se povezuju s autorizacijskim sustavom putem TCP/IP prikljuËka na najbliæi Ëvor u LAN banke ili na najbliæi Ëvor MBNET-a.

ENG

12

Authorization system authorize disbursement and electronic payment by bank card. It contains all necessary data for these and other services required by bank card users (e.g. information on available balance). Besides authorizing transactions, authorization system also performs switching for authorization involving external networks. Back Office System provides support for preparation and data exchange between banks and MBU, preparation and data exchange with MBNET Authorization system, data exchange with international card-issuing companies, support to the Card Management System, and data preparation for interbanking fees and settlement, MBNET statistics data and MBU's fees. Communication between Back Office system and banks is accomplished with applications MBModule and/or C:D (Connect Direct) installed in bank work stations. MBModules establish link with Back Office System servers and data is exchanged via public telephone networks or through leased Frame Relay links while C:D establishes link solely via Frame Relay. Card Management System is part of Back Office system and bank can use it to manage its credit and debit cards, card accounts and cardholder data. The system supports revolving and other types of credit, facilitates remote work stations in banks, preparation of account statement files for users and submission to synthetic databank for registration. Data preparation system for personalization generates PIN cards, prepares data for EMV chip cards, including security keys, and prepares other data necessary for card personalization. MBU prints out the PIN envelopes for all card types and personalizes debit cards without chip while EMV chip is personalized by a special service company (Perso bureau) on basis of data prepared by MBU. ATM are linked to the authorization system through TCP/IP links to the nearest node in bank LANs or to the nearest MBNET node.

C O M PA N Y P R O F I L E

HR

EFTPOS terminal se povezuje preko javne telefonske mreæe izravno na Autorizacijski sustav, do Ëvora X.25 ili TCP/IP mreæe. Grupe EFTPOS terminala povezuju se zakupljenom vezom izravno na Ëvor X.25 ili TCP/IP mreæe.

ENG

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EFTPOS terminal is linked directly to the Authorization system, up to X.25 or TCP/IP network node via public telephone network. The EFTPOS terminal cluster is linked via leased line to a single X.25 or TCP/IP network node.

Internet korisnik moæe plaÊati putem Interneta karticama MBCARD i MasterCard kod trgovaca koji koriste MBePAY sustav MBNET-a.

Internet user can pay via the Internet with MBCARD or MasterCard for purchases on merchant sites using the MBNET’s MBePAY system.

GSM korisnik moæe primati SMS poruke o obavljenim autorizacijama ili ostale poruke iz svoje banke ukoliko banka koristi MBSMS uslugu. Takoer, GSM korisnik moæe preko mobitela plaÊati GSM operateru s raËuna svoje MBCARD ili MasterCard kartice.

GSM user can receive SMS messages about authorizations or all other messages from their bank, if this bank uses MBSMS service. GSM users can also pay their GSM operator on their cell phone from their MBCARD or MasterCard account.

MBNET je u stalnoj vezi s mreæama MasterCarda, VISA-e, American Expressa (Amex) i Diners Cluba. To omoguÊava pruæanje usluga korisnicima stranih kartica na bankomatima i EFTPOS terminalima u MBNET-u kao i usluge domaÊim karticama u drugim mreæama.

MBNET interfaces with MasterCard, VISA, American Express and Diners Club networks, so international card holders can access services at ATMs and EFTPOS terminals within MBNET, while domesticallyissued international card holders can enjoy the same services abroad.

EASY TO USE

C O M PA N Y P R O F I L E

MBCARD kartica

HR

MBCARD je viπenamjenska bankovna platna kartica. Ona je rezultat zajedniËkog izbora hrvatskih banaka koje koriste MBNET, a namijenjena je za bezgotovinsko elektroniËko plaÊanje roba i usluga na EFTPOS terminalima, za samouslugu na bankomatima i za jamstvo pri koriπtenju Ëekova. Prilikom koriπtenja MBCARD-a u MBNET-u, na bankomatima ili na EFTPOS terminalima, potrebno je potvrditi transakciju unosom ispravnog osobnog tajnog broja - PIN-a. PIN je vaæan element zaπtite sredstava na raËunu korisnika kartice. MBCARD karticom moæe se podizati gotovina i/ili elektroniËki plaÊati samo do raspoloæivog iznosa kojeg banka odredi, ali unutar dozvoljenih dnevnih i tjednih ograniËenja iznosa po kartici. Na MBCARD karticu veÊina je banaka pridodala meunarodni znak Maestro. Time je nastala cobrand MBCARD/Maestro kartica koja se moæe koristiti u Hrvatskoj i inozemstvu na svim bankomatima i EFTPOS terminalima na kojima su istaknuti znakovi Maestro ili Cirrus. Izvan MBNET-a, na EFTPOS terminalima koji nemaju moguÊnost unoπenja PIN-a, korisnik kartice moæe potvrditi transakciju plaÊanja pomoÊu potpisa. EMV MBCARD kartica opremljena je s Ëipom u svrhu unapreenja sigurnosti u poslovanju s karticama. Viπe o njenoj primjeni u svrhu autentikacije u poglavlju “EMV + autentikacija”.

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MBCARD card

ENG

The result of a joint effort of Croatian banks using MBNET is the MBCARD - a multipurpose card usable for electronic payments of goods and services at EFTPOS terminals, for self-service at ATMs, and as a guarantee for paper checks. Each time an MBCARD is used at ATM or EFTPOS terminal in MBNET, it is necessary to electronically confirm the transaction by entering the correct PIN. The PIN is an important feature for the cardholder accounts security. The MBCARD facilitates withdrawals and/or electronic payment transactions up to the amount made available by the bank, but within the daily or weekly spending limits per card. Most banks applied international Maestro logo on MBCARD creating cobrand MBCARD/Maestro card. This card can be used on all ATMs and EFTPOS terminals marked with Maestro or Cirrus acceptance marks both in Croatia and abroad. On EFTPOS terminals outside MBNET network and without PIN entering possibility, cardholder can verify the transaction with signature. EMV MBCARD card is equipped with a chip. This provides many new functions in card operations and ensures a high level of security. More about the use of this card can be found in the section on “EMV + Authentication”.

with a

personal touch

C O M PA N Y P R O F I L E

EMV chip card personalization

personalizacija EMV Ëip kartica

HR

MBU je u okviru projekta izdavanja EMV platnih kartica uveo usluge: priprema podataka za personalizaciju EMV Ëip kartica i uslugu dostave takvih podataka do specijalizirane usluæne organizacije za personalizaciju EMV Ëip kartice. MBU nudi i usluge obrade i dostave podataka za dodatne aplikacije na Ëipu kao πto su autentikacija i shema lojalnosti. MBU je pored usluge pripreme podataka za izdavanje EMV MBCARD/Maestro debitnih Ëip kartica, razvio i uslugu izdavanja EMV kreditnih Ëip kartica kao πto su MasterCard te VISA kartice temeljene na standardima M/Chip 2.1/4.0 te VSDC 1.3.9/1.4.0. U pripremi EMV podataka i personalizaciji EMV Ëip kartica sudjeluju tri strane: - Banka izdavatelj koja odreuje profil EMV kartice i podatke o korisniku kartice, - MBU koji vrπi pripremu EMV podataka, izraËunava PIN i tiska PIN omotnice, - Perso biro - usluæna organizacija koja personalizira EMV Ëip karticu i istu dostavlja banci izdavatelju ili po njenom nalogu dostavlja korisniku poπtom. Izdavanje EMV Ëip kartica odvija se u slijedeÊim koracima: 1. Banka izdavatelj inicira proceduru kreiranja profila EMV Ëip kartice te formira i πalje u MBU datoteku s podacima za karticu, pripadajuÊi raËun, kontrolne podatke potrebne za kreiranje EMV Ëip kartice. 2. MBU na temelju primljenih podataka od banke izdavatelja, kreira i uvodi karticu i pripadajuÊi raËun u Sustav za voenje kartica, generira PIN te aktivira sustav za upravljanje æivotnim ciklusom kartice i raËuna. 3. MBU u Smart Card Data Preparation sustavu generira EMV podatke, parametre profila kartice te parametre za aplikacije autentikacije i sheme lojalnosti. 4. MBU πalje EMV podatke za personalizaciju Ëip kartice do Perso biroa. 5. Perso biro personalizira EMV Ëip kartice, dostavlja ih banci izdavatelju ili sprema u omotnicu i dostavlja poπtom korisniku. 6. MBU generira PIN-ove i tiska u PIN omotnice ili ih kriptirane prosljeuje Perso birou ili specijaliziranoj usluænoj organizaciji za tiskanje u PIN omotnice.

17

ENG

MBU introduced these services as part of the EMV payment card issuing project: preparation of data for personalization of EMV chip cards and delivery of such data to specialized service companies that personalize EMV chip cards. MBU also processes and delivers data for additional applications on chips, such as authentication and loyalty schemes. Besides data preparation for issuing EMV MBCARD/Maestro debit chip cards, MBU has also issues EMV credit chip cards, such as MasterCard and Visa cards based on M/Chip 2.1/4.0 and VSDC 1.3.9/1.4.0 standards. Three parties participate in the preparation of EMV data and personalization of EMV chip cards: - The issuing bank, which determines the profile of the EMV cards and data on card users, - MBU, which prepares EMV data, generates the PIN and prints the PIN wrapper, - Perso bureau - a service company that personalizes EMV chip cards and delivers them to the issuing bank or to the cardholder by mail at the bank’s request. Issuing EMV chip cards proceeds through the following steps: 1. The issuing bank initiates the procedure to create the EMV chip card profile, forms and delivers the file to MBU accompanied by data for the card, the accompanying account, and control data necessary to create the EMV chip card. 2. Based on the data from the issuing bank, MBU creates and enters the card with accompanying account in Card Management System, generates the PIN and activates the system to administer the life cycle of the card and account. 3. MBU generates EMV data, card profile parameters and authentication and loyalty scheme parameters in Smart Card Data Preparation System. 4. MBU sends the EMV data for chip card personalization to Perso bureau. 5. Perso bureau personalizes the EMV chip card, delivers them to the issuing bank or places them in envelopes and delivers them to the user by mail.

C O M PA N Y P R O F I L E

18

Issuing bank

Authentication server

Card Management System

1

7

Authorisation system

2

9 6

4

Authentication server Smart Card Data Preparation System

Card personalisation 5 service

8

Loyaly applications server

3 8

Cardholder

Authentication server - Autentikacijski server Authorisation server - Autorizacijski server Cardholder - Korisnik kartice

HR

Card Management System - Sustav za voenje kartice Card personalisation service - Perso biro Issuing Bank - Banka izdavatelj

7. MBU uvodi podatke o kreiranoj kartici i raËunu u autorizacijski sustav MBNET-a u svrhu njezinog koriπtenja na bankomatima i kod elektroniËkog plaÊanja. 8. MBU kreirane podatke za aplikacije autentikacija i sheme lojalnosti razmjenjuje sa pripadajuÊim aplikacijskim serverom u MBU. 9. U sluËaju kada banka izdavatelj koristi vlastiti sustav za autentikaciju, MBU generira datoteku s autentikacijskim slogovima, kriptira i dostavlja autentikacijskom serveru banke izdavatelja.

ENG

Loyalty applications server - Server za aplikaciju lojalnosti Smart Card Data Preparation System - Sustav za pripremu podataka za pametne (Ëip) kartice

6. MBU generates PINs and prints the PIN envelopes or encrypts them and forwards them to Perso bureau or the specialized service company that prints PIN envelopes. 7. MBU enters data for generated cards and accounts in the MBNET authorization system for its use at ATMs and for electronic payments. 8. MBU exchanges the data generated for authentication and loyalty scheme applications with the corresponding servers in MBU. 9. When the issuing bank uses its own authentication system, MBU exports keys to the bank via encrypted files.

C O M PA N Y P R O F I L E

izdavanje platnih kartica

payment cards issuing MasterCard

Authorisation system

ATM 1

Visa

Issuing bank (debtor bank)

Account balances and available amounts

7

4

3 8 Back Office system

EFTPOS and Internet

19

Settlement with banks

5

6 2 6 MasterCard

Account balances and available amounts - Stanja raËuna i raspoloæivi iznosi ATM - Bankomat

HR

other banks (creditor banks)

Visa

Authorisation System - Autorizacijski sustav Back Office System - Pozadinski sustav Domestic settlement system - Platni promet u zemlji

1) Zahtjev za isplatu ili plaÊanje s karticom banke-izdavatelja u MBNET-u, odobrenje zahtjeva i zapisivanje podataka o obavljenoj transakciji. 2) Zahtjev za isplatu ili plaÊanje s karticom banke-izdavatelja izvan MBNET-a i odobrenje zahtjeva. 3) Podaci o obavljenim transakcijama (u MBNET-u) i odobrenim zahtjevima (izvan MBNET-a) prenose se viπe puta na dan s Autorizacijskog na Pozadinski sustav. Za transakcije kartica banke-izdavatelja na tuim terminalima izraËunavaju se naknade za usluge banka-banka za pojedine transakcije. 4) Jednom ili viπe puta na dan prenose se iz pojedine druge mreæe u MBNET podaci o obavljenim transakcijama u drugoj mreæi. 5) Prijenos podataka o pojedinim transakcijama kartica banke-izdavatelja (u i izvan MBNET-a) i pripadnim naknadama usluga te ukupni dnevni iznosi transakcija i naknada usluga za poravnanja banka-banka. Takoer se prenose podaci o odobrenim zahtjevima za transakcije s karticama banke-izdavatelja izvan MBNET-a. Banka inicira prijenos jednom ili viπe puta na dan. 6) Banka-izdavatelj kartica nalogom za plaÊanje plaÊa dnevni iznos poravnanja transakcija i naknada usluga za transakcije vlastitih kartica na terminalima druge banke. Za transakcije u drugim mreæama 'pridruæena' banka-izdavatelj plaÊa dnevni iznos poravnanja 'punopravnoj' banci. 7) Banka-izdavatelj za svoje kartice izraËunava stanja raËuna i raspoloæive iznose. Nova stanja raËuna i promijenjeni raspoloæivi iznosi prenose se na Pozadinski sustav 8) a odmah zatim na Autorizacijski sustav.

ENG

Domestic Settlement System

Issuing bank (debtor bank) - Banka izdavatelj (banka-duænik) Other banks (creditor banks) - Druge banke (banke-vjerovnici) Settlement with banks - Poravnanje s bankama

1) Cash withdrawal or payment using an issuing bank’s card within MBNET, approval of request and recording of transaction data. 2) Cash withdrawal or payment request using an issuing bank’s card and approval of request for cards managed outside MBNET. 3) Transaction data (within MBNET) and approved requests (outside MBNET) are transferred several times a day from the authorizing to the Back-Office system. Bankto-bank compensations are calculated simultaneously for individual transactions using an issuing bank’s card at other terminals. 4) Transaction data from MBNET to other networks are transferred for other networks once or more on a daily basis. 5) Data on individual issuing-bank card transactions (within and outside of MBNET) and accompanying fees, daily transaction and service fee totals for bank-to-bank settlement and approved authorization data are accepted by the bank. Data on approved requests for issuing-bank cards outside of MBNET are also transferred. The bank initiates transfer once or several times daily. 6) The issuing bank initiates payment of daily settlement transactions and service fees for transactions involving its own cards at the terminals of other banks. For transactions in other networks, the ‘affiliated’ issuing bank pays a daily settlement fee to the ‘principal’ bank. 7) The issuing bank keeps records of the account balances and available amounts for the cards it has issued. The latest changes in the current account balances, as well as changes in available amounts, are transferred to the Back-Office system, 8) and, immediately thereafter, to the Authorisation system.

C O M PA N Y P R O F I L E

HR

Banka koja koristi usluge MBU-a moæe izdavati kartice MBCARD, sve vrste kartica iz obitelji MasterCard (MasterCard, Maestro i Cirrus) i sve vrste kartica iz obitelji Visa (Visa, Visa-Electron i Plus). Sve ove kartice mogu biti opremljene, osim magnetnom trakom, takoer i sa Ëipom za podrπku EMV aplikacije. Kod koriπtenja kartica na tuim terminalima (bankomati, EFTPOS i Internet) banka-izdavatelj plaÊa iznos transakcije (+/- naknada) drugoj banci. Kada se kartice koriste u MBNET-u, "druga banka" je bankaprihvatitelj. Kada se kartice koriste u drugoj mreæi, za kartice "punopravne" banke "druga banka" je druga mreæa dok je za kartice "pridruæene" banke "druga banka" pripadna "punopravna" banka. Sve vrste kartica uvijek se na bankomatima u MBNET-u kao i izvan MBNET-a, koriste s PIN-om te s on-line provjerom raspoloæivog iznosa i limita koji se vode u MBNET-u. MBCARD-Maestro i Visa-Electron kartice, koje se mogu koristiti i izvan MBNET-a, mogu se na EFTPOS terminalima koristiti s PINom ili s potpisom. Ove kartice se uvijek koriste s on-line provjerom raspoloæivog iznosa i limita u MBNET-u. MasterCard i Visa kartice na EFTPOS terminalima se redovito koriste s potpisom. Kod ovih kartica moguÊa su plaÊanja bez online provjere raspoloæivog iznosa i limita u MBNET-u (za iznose plaÊanja manje od odreenog praga).

ENG

20

Any bank using MBU services may issue MBCARD cards, all brands from the MasterCard family (MasterCard, Maestro and Cirrus) and all cards from the Visa family (Visa, Visa-Electron and Plus). Besides magstripes, all of these cards can carry a chip supporting the EMV application. When using the card at other’s terminals (ATMs, EFTPOS and Internet), the bank that issued the card pays the transaction amount (+/- fee) to other bank. When the cards are used within MBNET, "other bank" is acquiring bank. When the cards are used outside MBNET, for "principal" bank cards the term “other bank” implies another network, while for the cards of the “affiliated” bank, the “other bank“ implies the "principal” bank. All types of cards acquired at ATMs in MBNET and outside MBNET are, as a rule, used by entering the PIN, and on-line checks of the available balance and limits are included for bank cards managed in MBNET. MBCARD-Maestro and Visa-Electron cards, which can be used outside MBNET, can also be used at EFTPOS terminals either by keying in the PIN or by checking the signature. The transaction cannot be completed without an on-line check of the available balance and limits in MBNET. MasterCard and Visa cards are regularly accepted at EFTPOS terminals by signature authorization. Payment with these cards is possible without checking the available balance and limit within MBNET (for payment amounts lower than a specified limit).

C O M PA N Y P R O F I L E

HR

Raspoloæivi iznos dostavlja banka MBNET-u ako se kartica vodi u banci. U sluËaju da se Sustav za voenje kartice nalazi u MBU, MBU vodi raËuna o raspoloæivom iznosu i umanjuje ga nakon svake obavljene transakcije. Kod MBCARD kartica isti raspoloæivi iznos (isti tekuÊi raËun) moæe koristiti viπe kartica. Banka moæe pojedinim karticama odobriti koriπtenje dodatnog raspoloæivog iznosa samo za kupovine. To se moæe primijeniti kada banka odobrava korisniku kartice kredit za kupovine ili kada korisniku kartice kredit daje trgovina. Limiti su terminski odreeni, za gotovinske isplate, za plaÊanja, u zemlji, u inozemstvu, na sumu iznosa transakcija, na broj transakcija. Banka ih moæe odrediti razliËite za svaku pojedinu karticu i raËun.

ENG

21

The bank informs MBNET about the available amounts if card management is in the bank. In case that Card Management system is in MBU, MBU manages the available amounts and decreases them after each transaction. With the MBCARD cards, several cards can use the same available amount (the same current account). The bank can authorize the use of additional available amounts to the individual cards solely for purchases. This available amount may be used when bank gives credit for the purchases to cardholder or when merchant gives such a credit. There are several types of limits: time-defined, for cash disbursements, for payments, home and abroad, for the transaction sum, for the number of transactions. The bank determines various limits for each individual card and account.

we say

ACCEPT

C O M PA N Y P R O F I L E

prihvat platnih kartica

payment cards acceptance MasterCard

Authorisation System

ATM

23

Visa

Amex

Acquiring bank (creditor bank)

Diners

ATM accounts 4 Settlement with the banks

1

3 Back Office System

EFTPOS and Internet

5

Settlement with the merchants

6

7 2

6 Other banks (debtor banks) 7

MasterCard

Visa

Acquiring bank (creditor bank) - Banka prihvatitelj (banka-vjerovnik) ATM - Bankomat ATM accounts - RaËuni bankomata

HR

Amex

Diners

Merchants

Authorisation System - Autorizacijski sustav Back Office System - Pozadinski sustav Domestic settlement system - Platni promet u zemlji Merchants - Trgovine

1) Zahtjev za isplatu ili plaÊanje na terminalu banke-prihvatitelja, odobrenje zahtjeva i zapisivanje podataka o obavljenoj transakciji. 2) Ukoliko se kartica ne vodi u MBNET-u, zahtjev se proslijeuje na odobrenje (autorizaciju) u onu mreæu u kojoj se kartica vodi. 3) Podaci o obavljenim transakcijama prenose se viπe puta na dan s Autorizacijskog na Pozadinski sustav. Za tue kartice na terminalu banke-prihvatitelja izraËunavaju se naknade za usluge banka-banka za pojedine transakcije (banka-prihvatitelj dobiva naknadu za isplatu, a daje naknadu za plaÊanje). 4) Jednom dnevno prenose se podaci o obavljenim transakcijama kartica drugih mreæa iz MBNET-a u druge mreæe. 5) Prijenos podataka o pojedinim transakcijama na terminalima banke-prihvatitelja i pripadnim naknadama usluga te ukupni dnevni iznosi transakcija i naknada usluga za poravnanja banka-banka. Banka inicira prijenos jedanput ili viπe puta na dan. 6) Banka-izdavatelj kartica nalogom za plaÊanje plaÊa dnevni iznos poravnanja transakcija i naknada usluga za transakcije vlastitih kartica na terminalima druge banke. Za kartice drugih mreæa banka koja ima financijski odnos s drugom mreæom ('punopravna' banka) plaÊa takoer dnevni iznos poravnanja banci-prihvatitelju koja nema financijski odnos s drugom mreæom ('pridruæena' banka). 7) Banka-vlasnik EFTPOS terminala u trgovinama plaÊa dnevno, ili prema dogovoru, trgovinama za obavljene kupovine svih ugovorenih vrsta kartica (umanjeno za naknadu usluge banke trgovini).

Domestic Settlement System

ENG

Other banks (debtor banks) - Druge banke (banke-duænici) Settlement with merchants - Poravnanje s trgovinama Settlement with banks - Poravnanje s bankama

1) Cash withdrawal or payment request at the terminals of acquiring banks, approval of request and recording of transaction data. 2) If the card is not managed in MBNET, the request is forwarded for approval (authorization) to the network in which the card is managed. 3) Transaction data are transferred several times a day from the Authorisation system to the Back-Office system. Fees are computed for bank-to-bank services for individual transactions involving cards from other networks at acquiring-bank terminals (the acquiring bank receives fees for disbursement and compensates payments). 4) Transaction data from MBNET to other networks are transferred for the cards of those other networks on a daily basis. 5) The bank accepts data on individual transactions at acquiring-bank terminals and the accompanying service fees, daily transaction totals and fees for bank-to-bank settlement. The bank initiates transfer once or more daily. 6) The issuing bank initiates payment of daily transaction settlements and service fees for transactions involving its own cards at the terminals of other banks. A bank that has financial links to another network (‘principal bank’) also pays a daily settlement fee to the acquiring bank that does not have (‘affiliated bank’) for cards from other networks. 7) The bank that owns the EFTPOS terminal in retail outlets reimburses merchants for the payments of all contracted card types (less bank service fees payable by the merchant) either daily or by arrangement.

C O M PA N Y P R O F I L E

HR

Banka-prihvatitelj koja koristi usluge MBU-a moæe preko MBNETa prihvaÊati vlastite i tue kartice na vlastitim bankomatima i EFTPOS terminalima, kod trgovaca bez EFTPOS terminala, za plaÊanja na internetu i za plaÊanja putem mobitela GSM operateru. Kod prihvaÊanja tuih kartica za isplate gotovine banka-prihvatitelj dobiva isplaÊeni iznos uveÊan za naknadu (za uslugu isplate) od druge banke. Kod prihvaÊanja tuih kartica za plaÊanja roba i usluga bankaprihvatitelj dobiva iznos plaÊanja od druge banke, ali umanjen za naknadu, koja kod plaÊanja pripada izdavatelju. Kod kartica koje se autoriziraju u MBNET-u, "druga banka" je banka-izdavatelj. Kod kartica koje se autoriziraju u drugoj mreæi, za "punopravnu" banku "druga banka" je mreæa koja daje autorizaciju, dok je za "pridruæenu" banku "druga banka" pripadna "punopravna" banka. Bankomat u MBNET-u pruæa korisnicima svih kartica koje se autoriziraju u MBNET-u slijedeÊe usluge: - isplata gotovine, oplata gotovine, upit u stanje raËuna, promjena PIN-a po izboru korisnika kartice i kupovanje GSM bona, dodatno za korisnika MBCARD kartice moguÊ je nalog za prijenos sredstava. Korisnicima kartica koje se ne autoriziraju u MBNET-u bankomat u MBNET-u pruæa usluge: - isplata gotovine, kupovanje GSM bona i (samo za Visa i VisaElectron kartice) upit u stanje raËuna. Korisnici svih kartica mogu primati poruke na engleskom, njemaËkom, talijanskom i hrvatskom jeziku.

ENG

24

The acquiring bank that uses MBU services can accept its own, as well as other's cards at its ATMs, EFTPOS terminals, merchants without EFTPOS terminals, for payment on the Internet and payment by cell phone to the GSM operator. When acquiring the cards of other bank for cash disbursements, the acquiring bank receives the disbursed amount increased by the fee (for the disbursement service) from the other bank. When acquiring the cards of other bank for goods and service payments, the acquiring bank receives the payment amount from the other bank decreased by the fee, which belongs to the issuer. For cards which are authorized in MBNET, “other bank” is the bank that issued the cards. Cards that are authorized in the other network, for “principal” bank, the term “other bank” implies another network which gives the authorization, while for the “affiliated” bank, the “another bank” implies the “principal” bank. Services available at ATMs within MBNET for users of all cards authorized in MBNET include: - Cash payment, cash deposit, query, PIN change (PIN selected by cardholder), purchase of GSM voucher and money transfer order for MBCARD cardholders. Services available at ATMs within MBNET for other users of all cards not authorized in MBNET include: - Cash withdrawal, purchase of GSM voucher and (only for VISA and VISA-Electron cards) balance inquiry. All cardholders can receive his instructions in English, German, Italian and Croatian.

C O M PA N Y P R O F I L E

HR

Za sve usluge na bankomatu korisnik kartice koristi svoj PIN i moæe, prema izboru, dobiti listiÊ potvrde o provedenoj transakciji. EFTPOS (Electronic Fund Transfer at Point Of Sale) terminal u MBNET-u pruæa, na prodajnom mjestu ili πalteru banke, korisnicima kartica slijedeÊe usluge: - plaÊanje, isplata gotovine, predautorizacija, storno, povrat sredstava. Pri upotrebi MBCARD i Maestro kartica, transakciju na EFTPOS terminalu kupac potvruje unosom svog PIN-a, a pri upotrebi ostalih kartica potpisom na listiÊu potvrde. PlaÊanje putem Interneta u MBNET-u pruæa korisnicima kartica slijedeÊe usluge: - plaÊanje, storno, povrat sredstava.

ENG

25

For all services at ATMs, the cardholder uses his/her PIN and may choose to receive a slip confirming the transaction. Services available at EFTPOS (Electronic Fund Transfer at Point of Sale) terminals within MBNET include: - Payment, cash advance, pre-authorization, reversal, refund. Transactions at EFTPOS terminals may be confirmed by the user when using the MBCARD or the Maestro card by entering the PIN, or by signing the payment slip when using other card. Payment via Internet within MBNET for cardholders include: - Payment, reversal, refund.

TO THE

OTHER SIDE

C O M PA N Y P R O F I L E

MBNET - jednostavno do meunarodnih kartica MBNET omoguÊuje svakoj banci, "punopravnoj" i "pridruæenoj", brzo i jednostavno uvoenje poslovanja s meunarodnim karticama. Osim autorizacija transakcija, MBNET bankama pruæa: - podrπku razmjene podataka s meunarodnim mreæama, - podrπku uvoenja velikog broja naknada izmeu "punopravne" i "pridruæene" banke, "Pridruæena" banka, kod prihvata i izdavanja meunarodnih kartica, moæe zbog jednostavnosti odabrati poslovanje za transakcije i za naknade u kunama.

All in kuna - Sve u kunama Chargeback center in a bank - Reklamacijski centar u banci

HR

27

MBNET - an easy way towards international cards

3 International networks

1

International settlement

2 5 Bank 4

All in kuna

MBNET

6 Chargeback center in a bank

MBNET enables the quick and simple implementation of international bank card business to each “principal” and “affiliate” bank. Besides transaction authorization, MBNET offers the following services to member banks: - International network data clearing support, - Introduction of a large number of fees between the “principal” and the “affiliate” bank, In order to simplify the process, the “affiliate” bank can, when acquiring and issuing international cards, choose to charge for transactions and fees in Croatian kuna.

International networks - Meunarodne mreæe International settlement - Meunarodna poravnanja

1) MBNET πalje podatke o obavljenim transakcijama tuih kartica u MBNET-u. MBNET takoer izraËunava i πalje naknade meunarodne mreæe. 2) MBNET preuzima od meunarodne mreæe izvjeπtaje i podatke o transakcijama i naknadama za transakcije MBNET kartica izvan MBNET-a. 3) Poravnanja za transakcije i naknade obavljaju se po nalogu meunarodne mreæe u stranoj banci u kojoj sve "punopravne" banke imaju otvoren raËun. 4) "Punopravna" banka odreuje naknade "pridruæenim" bankama za prihvaÊanje i izdavanje kartica. Ove naknade ukljuËuju naknade meunarodne mreæe i druge troπkove. MBNET moæe podræati proizvoljan broj algoritama naknada za svaku meunarodnu mreæu i za svaku "punopravnu" banku (prema vrsti kartice, transakcije, podruËju koriπtenja...). MBNET izraËunava naknadu (u kunama) za svaku pojedinu transakciju. 5) Sve iznose i naknade MBNET dostavlja bankama takoer i u kunama. "Pridruæene" banke mogu za meunarodno poslovanje karticama koristiti samo kune, s Ëime se bitno pojednostavnjuje i informatiËka obrada u bankama. 6) Dodatni se raznovrsni podaci i izvjeπtaji razmjenjuju izmeu MBNET-a i reklamacijskog centra banke. “Pridruæena” banka ne mora imati vlastiti reklamacijski centar, veÊ za nju moæe raditi reklamacijski centar “punopravne“ banke.

ENG

1) MBNET sends the data on the transactions done within MBNET by means of bank cards of other networks. MBNET also calculates and sends the fees of the international network. 2) MBNET takes over the reports and data on transactions and fees for the transactions of MBNET cards outside MBNET from the international network. 3) Transaction and fee settlement is done upon the order of the international network in a foreign bank in which all “principal” banks have an account. 4) The “principal” bank determines the fees for the acquiring and issuing of cards to the “affiliate” banks. These fees include the fees of the international network and other costs. MBNET can support an arbitrary number of algorithms for each international network and each “principal” bank (according to the type of card, transaction, usage...) MBNET calculates the fees (in Croatian kuna) for each individual transaction. 5) MBNET sends all transaction amounts and fees to the banks in Croatian kuna, too. The “affiliate” banks can use only Croatian kuna in international bank card business, which simplifies data processing in banks. 6) Various additional data and reports are exchanged between MBNET and the bank chargeback center. The ”affiliate” banks do not need to have its own chargeback center of “principal“ bank may do all the work for “affiliate“ banks.

YOUR REQUEST

OUR GOAL

C O M PA N Y P R O F I L E

poslovanje s meunarodnim bankovnim karticama

HR

Povezivanjem MBNET-a s mreæom MasterCard-a i mreæom Vise ostvareni su tehniËki uvjeti za izdavanje i prihvat meunarodnih kartica obitelji MasterCard-a i Vise. Povezivanjem s mreæom American Expressa (Amex) i Dinersa ostvareni su tehniËki uvjeti za prihvat meunarodnih kartica American Express i Diners. Svaka transakcija na bankomatu, EFTPOS terminalu ili Internetu preko MBNET-a s meunarodnim karticama domaÊe ili strane banke autorizira se u mreæi izdavatelja kartice. Takva se transakcija naziva "on-line" transakcijom. Pojedine druge mreæe mogu za neke vrste meunarodnih kartica obavljati transakcije kupovina (do odreenog iznosa) na osnovi STOP liste u toj mreæi. Takva se transakcija naziva "off-line" transakcijom. Meunarodne kartice koje se mogu koristiti u MBNET-u kao i na svakom bankomatu i na svakom prodajnom mjestu u zemlji i svijetu oznaËenom barem jednim od znakova koji se nalaze na kartici su:

29

international cards business

ENG

After linking MBNET with MasterCard and Visa’s network, all technical requirements have been met for the acceptance of MasterCard and Visa family international cards. Also by linking MBNET with the American Express (Amex) and Diners networks, the technical conditions have been met for the acquiring of Amex and Diners international cards. Each transaction carried out at ATMs or EFTPOS terminals within MBNET, with domestic-issued international cards or a foreign issued international card must undergo authorization given by the card issuer’s host computer. Such an authorization procedure is called “on-line” authorization. Other networks can transact purchases (up to specified amount) based on the “STOP” list in that network for certain kinds of international cards. Such authorization procedures are called “offline” authorizations. International cards which can be used in the MBNET network, as well as at any ATM and EFTPOS terminal in Croatia and world-wide, bearing at least one of the following logos printed also on the card, are:

MasterCard

kartica za koriπtenje na bankomatima ("on-line") i EFTPOS terminalima ("on-line" i "off-line")

Card acquired at ATMs (“on-line”) and EFTPOS terminals (“on-line” and “off-line”)

Maestro

kartica za koriπtenje na bankomatima ("on-line") i EFTPOS terminalima ("on-line")

Card acquired at ATMs (“on-line”) and EFTPOS terminals (“on-line”)

Cirrus

kartica za koriπtenje na bankomatima ("on-line")

Card acquired at ATMs only (“on-line”)

Visa

kartica za koriπtenje na bankomatima ("on-line") i EFTPOS terminalima ("on-line" i "off-line")

Card acquired at ATMs (“on-line”) and EFTPOS terminals (“on-line” and “off-line”)

Visa-Electron

kartica za koriπtenje na bankomatima ("on-line") i EFTPOS terminalima ("on-line")

Card acquired at ATMs (“on-line”) and EFTPOS terminals (“on-line”)

Plus

kartica za koriπtenje na bankomatima ("on-line")

Card acquired at ATMs only (“on-line”)

American Express

kartica za koriπtenje na bankomatima ("on-line") i EFTPOS terminalima ("on-line" i "off-line")

Card acquired at ATMs (“on-line”) and EFTPOS terminals (“on-line” and “off-line”)

Diners

kartica za koriπtenje na bankomatima ("on-line") i EFTPOS terminalima ("on-line" i "off-line")

Card acquired at ATMs (“on-line”) and EFTPOS terminals (“on-line” and “off-line”)

world is our

home

C O M PA N Y P R O F I L E

EMV + authentication + ...

EMV + autentikacija + ...

HR

MBNET je usklaen sa zahtjevima za koriπtenje Ëip kartica prema EMV (Europay-Mastercard-Visa) specifikacijama i sukladan je sa zahtjevima globalne interoperabilnosti u poslovanju banaka licenciranih za izdavanje i prihvat MBCARD, Mastercard i Visa EMV Ëip kartica. »ip kartica MBNET-a, pored temeljne debitne ili kreditne funkcije, podræava funkcije identifikacije, autentikacije, digitalnog potpisa i skupljanja bodova za koriπtenje sheme lojalnosti. Izdavanje viπenamjenske EMV Ëip kartice odvija se u nizu pojedinaËnih procesa koji su u MBU razvijeni u zaokruæene poslovne cijeline u svrhu omoguÊavanja izbora koriπtenja pojedine ili kompletne usluge izdavanja EMV Ëip kartice. Pored koriπtenja na bankomatima i na prodajnim mjestima opremljenim EFTPOS terminalima, EMV Ëip kartica MBNET-a se na jednostavan i siguran naËin, uz koriπtenje istog PIN-a i odgovarajuÊeg ËitaËa Ëip kartice, koristi i za obavljanje telefonskih i Internet transakcija. EMV sukladan MBNET s pridruæenom Ëip karticom i ËitaËem Ëip kartice je suvremena osnova za jednostvanost i sigurnost u razvoju i obavljanju poslovanja u viπekanalnom bankarstvu.

31

ENG

MBNET meets the requirements for chip-card use under the EMV (Europay-Mastercard-Visa) specifications and is consistent with global interoperability requirements for the operations of banks licensed for the issuance and acceptance of MBCARD, MasterCard and Visa EMV chip cards. In addition to its basic debit and credit card functions, the MBNET chip card supports identification, authentication, digital signature and loyalty functionalities. The issuance of the multipurpose EMV chip cards follows a sequence of separate processes developed by MBU as self-standing business modules allowing customers to choose individual or comprehensive EMV chip-card issuance services. Alongside with its use at ATMs and EFTPOS terminals, the MBNET EMV chip card allows easy and secure performance of telephone and Internet banking transactions by using the same PIN and the appropriate chip-card reader. The EMV-compliant MBNET with the accompanying chip card and chip-card reader provides a state-of-the-art platform for simple and secure development and performance of multichannel banking operations.

EXCHANGE

Globally

C O M PA N Y P R O F I L E

autorizacije transakcija putem meunarodnih mreæa

33

transaction authorization via international netwoks

Network A (abroad)

International network MasterCard, Visa, Amex, Diners

Network B (abroad)

Terminal

M

Other network in Croatia

MBNET network

Terminal

A International network - Meunarodna mreæa Network A (abroad) - mreæa A (inozemstvo)

HR

Network B (abroad) - mreæa B (inozemstvo) MBNET network - MBNET mreæa

Pojedina mreæa je "prihvatitelj" za transakcije na bankomatima i EFTPOS terminalima koji su u njoj i "izdavatelj" za kartice koje se vode u toj mreæi.

ENG

Other network in Croatia - Druga mreæa u Hrvatskoj

The individual network is the “acquirer” for transactions at ATMs and EFTPOS terminals in that network, and, at the same time, the “issuer” for the cards managed in that network.

Ëvor meunarodne mreæe

International network node

terminal (bankomat, EFTPOS ili plaÊanje putem Interneta)

Terminal (ATM, EFTPOS or payment through Internet)

M

kartica pojedinog izdavatelja: kartica banke Ëiji se podaci vode u mreæi MBNET

M

Card of the individual issuer: bank card managed within the MBNET network

A

kartica inozemne banke Ëiji se podaci vode u mreæi A

A

international bank card managed in network A

ALWAYS PURSUIT the

TECHNOLOGY

C O M PA N Y P R O F I L E

MBePAY - plaÊanje karticama putem Interneta

35

MBePAY - Internet card payment

E-payment provider

leased channel

ACS Internet Payment Gateway

Authorization System

Web merchant VPOS

Internet (SSL)

MBU

Web merchant

web merchant - web trgovac

HR

leased channel - zakupljeni kanal

Rast broja Internet korisnika potiËe razvoj e-trgovine i sukladno tomu javlja se interes trgovaca za prihvat platnih kartica prilikom plaÊanja putem Interneta. Da bi se potaklo povjerenje kupaca za plaÊanje karticama putem Interneta, potrebno je razviti sustave plaÊanja koji ostvaruju sigurno povezivanje trgovaca, kupaca i financijskih institucija putem Interneta.

ENG

Authorization system - autorizacijski sustav

The growth in the number of Internet users spurs the development of e-commerce, and this in turn prompts the interest of merchants in accepting credit cards for online payment. To ensure the confidence of buyers when making card payments by Internet, it is necessary to develop a payment system that facilitates secure links between merchants, buyers and financial institutions on the Internet.

MBePAY - Internet payment gateway je sustav za on-line plaÊanje bankovnim karticama na Internetu sa autorizacijom transakcija u realnom vremenu. Kroz MBePAY sustav trgovci su povezani na meunarodne mreæe autorizacije transakcija kartiËnog plaÊanja. Sustav jamËi sigurnost, autentiËnost i povjerljivost podataka korisnika kartice dok na Internetu plaÊa karticom.

MBePAY - Internet payment gateway is a system for on-line payment using bank cards on the Internet, with transaction authorization executed in real time. Using MBePAY system merchants are linked with international card payment transaction authorization networks. The system guarantees cardholder data security, authenticity and confidentiality during online payment.

MBePAY omoguÊuje prihvat MBCARD Ëip kartica s PIN-om. Takav naËin plaÊanja pruæa moguÊnost plaÊanja karticom putem Interneta koristeÊi se istim PIN-om kojim se koristi na bankomatima, πto klijentu banke pruæa dodatnu praktiËnu vrijednost za jednostavno i sigurno obavljanje transakcije putem Interneta.

MBePAY enables acquiring of MBCARD chip card with PIN. This payment method facilitates card payment via Internet using the same PIN that is used at ATMs, and this offers bank clients added practical value for simple and secure Internet transactions.

C O M PA N Y P R O F I L E

HR

Prema MasterCard-u i VISA-i Ëip kartica s ËitaËem Ëip kartice se u cijelosti uklapa u njihovo rjeπenje CAP (Chip Authentication Program) namjenjeno za e-poslovanje na Internetu s EMV Ëip karticama i certificiranim ËitaËima kartica. Pored plaÊanja na internetu, MBePAY terminal se moæe koristiti za: · PlaÊanja mobilnim telefonom - za korisnike MBCARD i MasterCard kartica. · MOTO (Mail Order/Telephone Order) plaÊanja · PlaÊanja GSM operateru

ENG

36

According to MasterCard and Visa, chip cards with chip card readers comply with their CAP (Chip Authentication Program) intended for e-business on Internet with EMV chip cards and certified chip card readers. Beside payments on the Internet, MBePAY terminal can be used for: · Payments with mobile phone - for MBCARD and MasterCard cardholders · MOTO (Mail Order/Telephone Order) payments · Payments to the GSM operator

C O M PA N Y P R O F I L E

autentikacija na Internetu

37

Internet authentication

1

4

2

2

3

4

Bank 1 Protected services Bank 2 Protected services

Internet (SSL)

Client

1

3

Bank n Protected services

Web interface

Authentication system

MBU

client - klijent bank, protected services - banka, πtiÊeni servisi

HR

web interface - web suËelje authentication system - sustav za autentikaciju

1. Klijent pristupa aplikaciji Internet bankarstva 2. Banka preusmjerava provjeru klijenta na sustav za autentikaciju u MBU 3. MBU banci potvruje autentiËnost klijenta 4. Banka dopuπta pristup i prijavu klijenta

Internet i telefonsko bankarstvo i drugi javni servisi banaka zahtijevaju pouzdan proces autentikacije korisnika. U cilju poveÊanja sigurnosti, dosadaπnji naËini autentikacije temeljeni na korisniËkom imenu i statiËnoj lozinci zamjenjuju se jednokratnom promjenjivom lozinkom, koja se izraËunava pomoÊu tokena ili Ëip kartice. MBU je razvio i integrirao sustav za autentikaciju koji omoguÊuje bankama siguran i jednostavan, te lako primjenjiv sustav zaπtite aplikacija Internet i telefonskog bankarstva. Sustav se temelji na Ëip kartici, a uz autentikaciju omoguÊuje i digitalni potpis transakcije. Dodatno, za generiranje jednokratne lozinke i digitalnog potpisa mogu se koristiti i samostalni tokeni, te GSM ureaji sa aplikacijom na SIM kartici.

ENG

1. The client accesses the Internet banking application 2. The bank redirects client verification to the MBU authentication system 3. MBU confirms the client’s idenity for the bank 4. The bank permits client access and log-in

Internet and telephone banking (telebanking) and other public banking services require a fool-proof user authentication process. In the interests of increasing security, all current methods of authentication based on user-name and a static password are now being replaced with a single-use changing password that is computed with the help of a token or chip card. The MBU has developed and integrated an authentication system for banks that facilitates secure and simple - and easily changeable -protection for their Internet applications and telebanking. The system is based on a chip card, which together with authentication also enables digital signatures for transactions. Also, tokens may be used to generate single-use passwords and digital signatures, as can GSM devices with SIM card applications.

C O M PA N Y P R O F I L E

HR

Sustav za autentikaciju je izveden kao centralni sustav kojem se pristupa preko javne Internet mreæe ili zakupljenog kanala, a moæe opsluæivati viπe banaka ili klijenata, odnosno web aplikacija. Sastoji se od Ëip kartice i ËitaËa Ëip kartice za generiranje jednokratne lozinke, centralnog sigurnosnog servera za verifikaciju i πtiÊenih bankovnih servisa. Zahtjev klijenta za prijavu na neki od bankovnih servisa preusmjerava se na autorizacijski sustav MBU-a. Nakon uspeπne autorizacije, sustav proslijeuje odgovor serveru banke i klijentu se dopuπta pristup. Na isti naËin se vrπi i provjera ispravnosti digitalnog potpisa, nakon koje se, ovisno o odgovoru, nalog izvrπava ili odbija. Izdavanjem EMV Ëip kartice koriπtenjem ËitaËa Ëip kartice i sustava za generiranje jednokratne lozinke i digitalnog potpisa, omoguÊeno je koriπtenje jednog jedinog PIN-a za obavljanje transakcija s bankom putem bilo kojeg kanala viπekanalnog bankarstva. Time zapravo moto “jednom Ëip karticom s jednim PIN-om do bankarske usluge bilo gdje, bilo kada i bilo kako” postaje stvarnost zahvaljujuÊi razvijenom telefonskom i Internet bankarstvu, uslugama na bankomatima i elektroniËkom plaÊanju na prodajnim mjestima s EFTPOS terminalima.

ENG

38

The authentication system is set up as a central system accessed through the public Internet network or leased channels, and can serve several banks, clients or Web applications. It consists of chip cards and chip card reader to generate single-use passwords, a central security server for verification, and protected bank services. The client’s request to access any of the banking services is redirected to the MBU authorization system. After successful authorization, the system forwards the bank server’s response to the client and permits access. The accuracy of the digital signature is verified in the same manner, after which the order is either carried out or rejected depending on the response. Issuing of EMV chip cards by use of chip card readers and systems to generate single-use passwords and digital signatures facilitates the use of a single PIN to conduct transactions with a bank in any channel of multichannel banking. Thus, the slogan “one chip card with one PIN for banking services anywhere, anytime and anyhow” is actually becoming a reality thanks to developed telephone and Internet banking, ATM services and electronic payment at retail outlets with EFTPOS terminals.

C O M PA N Y P R O F I L E

MBSMS

39

MBSMS mobile operator User 1

DB

SMS server

leased channel

MBNET

data transfer

MBSMS

SMS receiving and distribution system User N

MBU

Bank 1

Data transfer - prijenos podataka Leased channel - zakupljeni kanal Mobile operator - mobilni operater

HR

Bank N

data trensfer

SMS server - SMS posluæitelj SMS receiving and distribution system - sustav za prihvat i distribuciju SMS poruka

U trenutku uvoenja SMS (Short Message Service) usluge niti najveÊi optimisti nisu mogli predvidjeti masovnost koriπtenja te usluge. Danas SMS i aplikacije zasnovane na SMS-u predstavljaju vrlo atraktivan dio poslovanja mobilnih operatora. MBU je uvidio taj potencijal i uveo u funkciju sustav koji je nazvan MBSMS. U osnovi MBSMS je uveden za obavjeπtavanje korisnika kartica o obavljenim autorizacijama u svrhu ranog otkrivanja potencijalne zlorabe kartice. MBSMS usluga temelji se na izdvajanju autorizacije s autorizacijskog sustava u trenutku njihovog nastajanja i njihovoj isporuci GSM operateru. Svaka transakcija se uparuje s kontakt podacima korisnika kartice/MBSMS-a te im se πalje SMS obavijest o obavljenoj transakciji. MBSMS je razvijen u vrlo fleksibilan sustav koji omoguÊava distribuciju informacija bez ograniËenja πto uvelike olakπava razvoj novih usluga. PoËetni skup usluga MBSMS omoguÊava bankama slanje informacija

ENG

User - korisnik

When SMS (Short Message Service) was introduced, not even the greatest optimists could have foreseen today’s mass use of the service. Today SMS and SMS-based applications are a very attractive part of operations for mobile operators. The MBU has perceived this potential and put into function a service known as MBSMS. Basically, MBSMS was introduced to inform cardholders of completed authorizations with the goal of early detection of potential card misuse. MBSMS service singles out authorizations from Authorization system at the moment the authorization is made and delivers it to GSM provider. Each transaction is matched with cardholder/MBSMS user data and SMS notification about transactions is sent. MBSMS has been developed as a very flexible system that facilitates the distribution of information without limitation, which creates the basis for the easier development of new services. The initial group of MBSMS services makes it possible for banks to send information on

C O M PA N Y P R O F I L E

HR

o obavljenim transakcijama i promjenama stanja na raËunu. Uspjeπna komunikacija nije jednostrane prirode, pa iz toga razloga sustav je dizajniran tako da i klijenti banaka mogu slati razne upite putem SMSa na koje Êe dobiti odgovore od MBSMS sustava. Na ovaj naËin klijenti koji ne æele dobivati redovite obavijesti o koriπtenju njihove kartice mogu to napraviti onoga trenutka kada za to imaju æelju ili potrebu. Takoer, banke mogu koristiti MBSMS usluge za slanje obavijesti proizvoljnog oblika (marketinπki tekst, obavijesti o kreditu, obavijesti o stanju raËuna itd).

ENG

40

completed transactions and changes in the balance of accounts. Successful communication is not only one-way, so the system is designed to allow clients to send various queries by SMS to receive responses from the MBSMS system. In this manner, clients who do not want to receive regular notifications on their card use can do so whenever they want or need. Also, bank can use MBSMS service to send free form bulk notification (marketing text, loan notifications, account balance notifications etc).

C O M PA N Y P R O F I L E

upravljanje resursima bankomata oglaπavanje na bankomatima

HR

Usluga Upravljanje Resursima Bankomata objedinjuje sve usluge koje se na bankomatima mogu obavljati s udaljene centralne lokacije, a koje su dosad obavljane od strane djelatnika banke ili eksternih organizacija. Ova usluga omoguÊava banci prihvat bankomatskog elektroniËkog dnevnika, postavljanje marketinπkih poruka na bankomatima, software management, patch management, prihvat/slanje bankomatskih datoteka i pokretanje komandi na daljinu. Ekran bankomata idealan je oglasni prostor, jer je paænja korisnika uvijek fokusirana na njegov sadræaj. Isto vrijedi i za listiÊ potvrde o izvrπenoj transakciji koji se izdaje na zahtjev korisnika. Na bankomatima u MBNET-u implementirane su posebne funkcije za rukovanje slikama. Svaka banka moæe, neovisno o MBU-u i drugim bankama, definirati slike i poruke, te ih vrlo jednostavnim postupkom instalirati na svoje bankomate. Vrsta oglaπavanja moæe se prilagoditi lokaciji na kojoj se bankomat nalazi, Ëime se otvara i moguÊnost iznajmljivanja oglasnog prostora.

41

ATM Resource Management ATM advertising

ENG

ATM Resource Management combines all ATM services which can be provided from remote central location, and till now have been made by bank employees or external organizations. This service enables to bank: ATM journal retrieval, ATM advertising, ATM software management, ATM patch management, data on demand and ATM remote control. ATM screens are an ideal advertising space, because the attention of users is always focused on its content. The same is true of transaction receipts issued at the user’s request. At MBNET ATMs, special functions have been implemented to handle the images that will be displayed on the screen. Each bank can define these images and messages independently of the MBU and other banks, and install them in its ATMs using a very simple procedure. The type of advertising can be adapted to the ATM’s location, opening up the possibility of selling the ad space.

Results ACQUIRE PREMIUM

C O M PA N Y P R O F I L E

obroËno plaÊanje

HR

MBU podræava uslugu obroËnog plaÊanja na EFTPOS terminalima za MBCARD, Maestro i VISA kartice. Banka moæe koristiti uslugu kao izdavatelj i/ili prihvatitelj, pri Ëemu autorizacijski sustav provjerava definirane ugovorne odnose izmeu banke izdavatelja i banke prihvatitelja. Postupak provoenja transakcije obroËnog plaÊanja zapoËinje transakcijom kartice na terminalu banke prihvatitelja koja ima definirane odnose sa bankom izdavateljem. Obje banke trebaju podræavati uslugu obroËnog plaÊanja, te definirati ugovorne odnose i maksimalni dopuπteni broj rata. Banka izdavatelj kontrolira kreditni rizik korisnika kartice i ograniËava moguÊe zaduæenje dodatnim kreditnim raËunom uz postojeÊi debitni raËun. Stanje kreditnog raËuna definira maksimalni ukupni iznos kreditnog zaduæenja i banka ga πalje u MBU standardnim naËinom razmjene podataka i raËunima. Ova usluga omoguÊuje kvalitetnu i fleksibilnu uslugu banke prema klijentu, te jednostavnost upravljanja kreditnim rizikom i zaduæenjima klijenata.

43

instalment payment

ENG

MBU supports instalment payment at EFTPOS terminals for MBCARD, Maestro and VISA cards. Bank can use this service as Issuer and/or Acquirer. Authorization system checks contractual relationship between Issuing and Acquiring bank. Instalment payment transaction starts with transaction at Acquiring bank terminal which has contract with Issuing bank. Both banks have to support instalment payment, define mutul relations and maximum number of allowed instalments. Issuing bank controls cardholder credit risk and limits cardholder indebtedness with additional credit account to existing debit account. Balance on additional credit account defines maximal total credit indebtedness which bank sends to MBU using standard exchange methods. This service enables to the bank possibility to give its customer quality and flexible service, and easy way of managing credit risk and client debts.

imagine

endless possibilities

C O M PA N Y P R O F I L E

prodaja bonova na bankomatima

HR

MBU je razvio tehniËko rjeπenje za prodaju bonova za MBCARD i sve MasterCard i VISA produkte na bankomatima u MBNET-u. Korisnik unosi PIN, odabire vrstu i vrijednost bona, te nakon odobrenja transakcije dobija bon ispisan na listiÊu potvrde. Na centralnom raËunalu MBU moguÊe je definirati vrste bonova koje bankomati pojedine banke prodaju i vrste kartica s kojima je bonove moguÊe kupiti, ovisno o ugovornim odnosima banaka, isporuËitelja bonova i kartiËnih organizacija. Bez obzira na vrstu kartice, korisnik plaÊa iznos jednak vrijednosti bona, bez dodatnih naknada. U skladu sa standardima prihvaÊenim u MBU, posebna paænja posveÊena je osiguravanju visoke kvalitete ove usluge. Posebnost MBU-ovog rjeπenja je funkcija besplatnog ispisa zadnjeg kupljenog bona na bilo kojem bankomatu u MBNET-u, Ëime je broj reklamacija sveden na najmanju moguÊu mjeru. Rjeπenje je upotrebljivo, osim za prodaju bonova GSM i VOIP operatera, i za prodaju drugih vrsta bonova sa aktivacijskim kodom.

45

vouchers sale on ATMs

ENG

The MBU has developed a technical solution for the sale of vouchers at MBNET ATMs for MBCARD, MasterCard and Visa products. The user enters his/her PIN, selects the voucher type and value, and after the transaction is approved he or she receives the voucher printed on a receipt slip. The MBU’s central computer can define the types of vouchers the ATMs of individual banks sell and the type of cards that can be used to purchase vouchers, depending on the contractual relations between the banks, the voucher provider and the card organization. Regardless of the card type, the user pays an amount that is equal to the voucher’s value without any additional fees. In line with the MBU’s accepted standards, particular attention has been dedicated to ensuring a high level of service quality. A special aspect of the MBU’s solution is the free print-out of the last purchased voucher at any MBNET ATM, reducing the number of refunds down to a minimum. Apart from the sale of coupons offered by GSM and VOIP operators, the solution is applicable to the sale of other types of coupons with activation code.

KEEP IN

MOTION

C O M PA N Y P R O F I L E

procesiranje kartica

HR

MBU pored neprekidnog rada na unaprijeenju tehnoloπke razine i kvalitete procesiranja transakcija, razvio je i uveo u funkciju grupu usluga procesiranja kartiËnih proizvoda u svrhu pruæanja bankama kompletne podrπke u kartiËnom poslovanju omoguÊujuÊi bankama da teæiπte svoje aktivnosti usmjere na izbor najpovoljnijih proizvode za svoje klijente, na marketing i na træiπno nadmetanje. Osnovne usluge iz tog podruËja su: Voenje kreditnih kartica - MBU bankama pruæa uslugu cjelovitog voenja kreditne kartice od generiranja kartice, pripreme personalizacijskih podataka i njihova dostava u personalizacijski centar, prihvat i obrada transakcija, obraËun naknada i kamata, priprema izvoda te razmjena podataka s bankom. Koriπtenjem ove usluge banka nema potrebe implementirati kod sebe sustav za voenje kreditnih kartica, veÊ samo suËelje prema vlastitom informacijskom sustavu. Voenje reklamacijskih postupaka - Reklamacijski postupci prema drugim bankama Ëlanicama VISA-e i MasterCard-a sloæeni su, dugotrajni i financijski riziËni poslovi. Ekspertiza u tom podruËju je viπestruko organizacijski i financijski zahtjevna zbog Ëega je i izuzetno skupa za one banke koje nemaju kritiËnu masu kartica i zahtjeva. MBU pored ostalih nudi i ovu uslugu za sve one kartice koje vodi u svom sustavu.

47

card processing

ENG

Besides ongoing efforts to improve the technology and transaction processing quality, MBU has also developed and put into operation a group of card product processing services with the aim of offering banks comprehensive support in card operations, thereby making it possible for banks to focus their activities on selection of the best products for their clients, marketing and competition. The basic services in this field are: Credit card management - MBU provides banks with comprehensive credit card management services, from generation of cards, preparation of personalization data and their delivery to the personalization center, to receiving and processing of transactions, computation of fees and interest, preparation of statements and exchange of data with the bank. By using these services, banks have need not implement credit card management systems of their own. All they need to do is create an interface with their own IT systems. Refund procedure management - Refund procedures involving other Visa and MasterCard member banks are complex, timeconsuming and financially risky operations. Expertise in this field is quite demanding, both organizationally and financially, which is why it is exceptionally expensive for those banks that have not achieved that critical mass between cards and demand. MBU additionally offers this service for all cards managed in this system.

SEARCH FOR THE

BETTER VIEW

C O M PA N Y P R O F I L E

nadzor kartiËne prijevare

HR

Otkrivanje kartiËne prijevare - Obveze koje banke imaju prema meunarodnim kartiËnim organizacijama i politika smanjenja rizika banaka u kartiËnom poslovanju upuÊuju nuæno na uspostavu posebnog oblika nadzora odvijanja transakcija u svrhu πto ranijeg otkrivanja i prevencije kartiËne prijevare. MBU je opremljen certificiranim suvremenim i visoko kvalitetnim sustavom za otkrivanje kartiËne prijevare te ekipiran i osposobljen za pruæanje usluge otkrivanja, analize i prevencije kartiËne prijevare. Obzirom da je MBU u srediπtu odvijanja transakcija logiËno je da je to ujedno i optimalna lokacija za upravljanje rizikom kod kartiËne prijevare za viπe banaka uz najniæi investicijski i operativni napor u odnosu da taj posao obavljaju pojedinaËno same.

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card fraud monitoring

ENG

Card fraud detection - The obligations of banks to international card organizations and the policy of reducing bank risks in card operations emphasize the need to establish a special form of transaction supervision to facilitate the earliest possible detection and prevention of card fraud. MBU is equipped with a certified, modern and high-quality card fraud detection system, staffed and capable of providing services such as detection, analysis and prevention of card fraud. Since MBU serves as a transaction hub, it is logically the optimum location to manage card fraud risks for a number of banks, since investment cost and operative effort are the lowest, as opposed to each bank doing so individually.

»itava koncepcija nadzora kartiËne prijevare zasniva se na prepoznavanju uzoraka. Kada se prepozna riziËna transakcija iduÊi korak je kontaktirati klijenta i ustanoviti da li je zaista u pitanju prijevara ili laæna uzbuna.

Card fraud monitoring is based on pattern identification. When risk transaction is recognized the next step is to contact the client and establish whether the transaction is really fraudulent or it is a false alarm.

MBU je prepoznao potrebu da svojim Ëlanicama ponudi nadzor kartiËne prijevare na sljedeÊe naËine: - Administracija - ukljuËuje voenje sustava, administriranje pravila i sve ostale radnje potrebne da bi se uspostavila osnovna funkcionalnost sustava - Udaljeni ekran - omoguÊava analitiËaru u banci da u realnom vremenu vidi upozorenja i pravovremeno kontaktira klijenta - AnalitiËari u MBU - omoguÊava banci da posao praÊenja upozorenja i kontaktiranja klijenata prebaci na MBU te bude upozorena samo u sluËaju da se sluËaj prijevare potvrdi.

MBU recognized the need to offer this service to banks in the following way: - Administration - includes: system management, rules administration and all other actions necessary to establish base system functionality. - Remote screen - enables bank analyst to see alerts in near real time and to contact the cardholder in time. - MBU Analysts - MBU instead of bank processes the alerts and contacts the cardholder if needed. Bank is informed just in case when the fraud occurs.

C O M PA N Y P R O F I L E

podrπka korisnicima

HR

Centar za podrπku korisnicima - U svakodnevnom poslovanju banke imaju potrebu obavljati razliËite aktivnosti po svojim karticama, bankomatima i EFTPOS ureajima, od jednostavnog blokiranja kartice do vrlo sloæenih zahvata. MBU, kako bi kvalitetno podræao svoje klijente u obavljanju navedenih aktivnosti izgradio je i uveo u funkciju suvremenu platformu Help Desk On-Line na kojoj je uspostavio suvremeni Centar za podrπku korisnicima kojemu se moæe pristupiti putem viπe kanala (telefon, fax, web). Razina usluge koju MBU pruæa putem svog Centra za podrπku korisnicima je iznad industrijskih standarda za takve usluge. Prednost postavljanja zahtjeva putem weba je u cijeni usluge koja je niæa od cijene usluge po ostalim zahtjevima, veÊoj sigurnosti podataka u zahtjevu, maksimalno pojednostavljenoj proceduri praÊenja zahtjeva te jednostavnost izrade potrebnih izvjeπtaja. Od trenutka zadavanja do konaËnog rjeπenja zahtjeva aplikacija biljeæi kada je zahjev predan, tko ga je predao, tko ga je i kada preuzeo, kome je zahtjev proslijeen i konaËno, u trenutku kada je zahtjev rijeπen biljeæi se tko je zadatak rijeπio uz obavezno pojaπnjenje rjeπenja.

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customer support

ENG

Customer Support Center - In their everyday operations, banks need to perform various activities involving their cards, ATMs and EFTPOS terminals, from simple card blocking to very complex tasks. To provide quality support to its clients when performing these activities, MBU has developed and made operational its Help Desk On-line, where it has established its modern Customer Support Center, which can be accessed either by phone, fax or the Internet. The level of services that MBU offers through its Customer Support Center is well above the industry standard for such services. The advantage of sending requests via web is: the price is lower than for other channels, data security in request is higher, the procedure of tracking the requests is easier and simplicity of creating needed reports. From the moment of entering the request till closing, the application tracks who entered the request, when it was accepted and by who, to whom the request was forwarded. Finally in the moment of closing, it is tracked who and when solved the request with solution explanation enclosed.

C O M PA N Y P R O F I L E

sustav kontrole rizika - SKOR

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SKOR - risk control system

Recipient

Sender/Recipient

Domestic settlement

User 1

SKOR

Recipient

Sender/Recipient

Croatian Post Office

Recipient - preuzimatelj Sender/Recipient - poπiljatelj/preuzimatelj

HR

User N

User 1 - korisnik 1 Croatian Post Office - Hrvatska poπta

SKOR je automatizirani sustav razmjene podataka u funkciji kontrole rizika u poslovanju banaka s karticama, Ëekovima i πtednim knjiæicama. SKOR se temelji na informatiËko-komunikacijskoj tehnologiji po modelu elektroniËke poπte. SKOR je uveden u funkciju 1. listopada 1998.g. Njime je zamjenjen bivπi sustav razmjene podataka koji se temeljio na tehnologiji telefaksa. Korisnici SKOR-a su banke i FINA. SKOR podræava razmjenu podataka o ukradenim, izgubljenim i krivotvorenim bankovnim ispravama (knjiæice, Ëekovi, kartice) slanjem i preuzimanjem poruka u elektroniËkom formatu utvrenim modelom protokola. SKOR osigurava funkciju razmjene poruka na naËin da iste prihvaÊa od ovlaπtenih poπiljatelja i stavlja ih u pretince na raspolaganje adresiranim preuzimateljima. Korisnici dnevno preuzimaju sadræaj iz svojih pretinaca. Sustav biljeæi vrijeme prijema poruka, njihovog smjeπtaja u pretince i vrijeme preuzimanja.

ENG

User N - korisnik N Domestic settlement - platni promet u zemlji

SKOR is the automated data exchange system providing risk control in the banking business, which includes bank cards operations, paper checks operations and savings accounts. SKOR is based on information and communication technology utilized in electronic mail. SKOR was introduced on October 1, 1998., replacing the former data exchange system, which was based on telefax technology. Banks and FINA use SKOR. SKOR supports data exchanges involving stolen, lost and counterfeited bank documents (deposit books, paper checks and cards) by sending and accepting the messages in an electronic format determined by the protocol model. SKOR enables the message exchange by accepting them from the authorized senders and placing the messages into inboxes that are at the recipients’ disposal. The users check the messages in their inboxes on a daily basis. The system records the time the message is sent, its placement into inboxes, as well as the time of their pick-up.

FOLLOW YOUR

IMPROVEMENTS

C O M PA N Y P R O F I L E

MBU ukorak sa svjetskim trendovima

HR

MBU je proizvod interesa i volje banaka za napretkom u poslovanju s bankovnim karticama po meunarodnim standardima. Ostvarenja u MBNET-u su izraz poslovne zrelosti i sposobnosti banaka a povjerenje u njegovu pouzdanost i sigurnost su jamstvo buduÊeg uspjeha i napretka ukorak sa svjetskim trendovima. Pogodnosti za banke i trgovine KoristeÊi usluge MBU-a banke slijede trendove razvijenog bankarstva i ostvaruju dobit uz minimalne individualne napore. KoristeÊi usluge MBU-a trgovine ostvaruju veÊi promet, a time i veÊu dobit. Putem MBNET-a se ukljuËuju u globalne sustave elektroniËkog plaÊanja. Lakπi put do novih tehnologija MBNET sadræi rjeπenje koje se u praksi potvrdilo kao dobra osnova za razvoj: - kreditne i debitne Ëip kartice prema EMV specifikacijama - identifikacija i autentikacija Ëip karticom za usluge e-bankarstva - sustava plaÊanja putem Interneta i mobilnih telefona - koriπtenja usluga telefonskog, mobilnog i Internet bankarstva - sheme lojalnosti. Ugled banaka, kvaliteta usluga i zadovoljstvo korisnika MBU svojim kvalitetnim radom osigurava bankama visoku kvalitetu usluga dvadesetËetiri sata dnevno, svakog dana u godini, doprinoseÊi time ugledu banaka i zadovoljstvu korisnika usluga u poslovanju s karticama. Sigurnost MBU-ov sigurnosni sustav ugraen u MBNET omoguÊuje visoki stupanj zaπtite svih sudionika u poslovanju s karticama u realnom i virtualnom svijetu.

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join MBU to keep pace with world-wide trends

ENG

MBU has been established as a result of the interest and willingness of Croatian banks to improve their own card businesses and keep pace with international standards. The accomplishments of MBNET prove the business maturity and competence of the banks. Confidence in its reliability and security guarantee future success and progress that will keep up with worldwide trends. Advantages for banks and merchants By using the services provided by MBU, banks follow trends prevalent in advanced banking systems and realize profits with minimum individual organizational and funding efforts. By using the services provided by MBU, the merchants increase their turnover and, consequently, their profits. MBU integrates them into a global system of electronic payments via MBNET. An easier way towards state-of-the-art technologies MBNET found a solution which has proven to be sound basis for development in practice: - Credit and debit chip cards according to EMV specifications - Identification and authentication for e-banking with chip card - Payment systems using the Internet and mobile phone - Use of telephone, mobile and Internet banking - Loyalty schemes. Bank reputation and service quality MBU contributes to enhancing the reputation of banks and the quality of their services by providing high quality service 24 hours a day, 365 days a year. Security MBU’s security system built into the MBNET provides a high level of security in real and virtual world.

LOOKING UP ALWAYS

C O M PA N Y P R O F I L E

MBNET pregled aktivnosti 1996-2006

MBNET activity review 1996-2006

ENG

MBNET terminals /// terminali u MBNET-u

Ë

Ë

HR

55

cards /// kartice

1200000

4000

1100000 3500

1000000 900000

3000

800000 2500

700000 600000

2000

500000 1500

400000 300000

1000

200000 500 0

100000 1996

1997

1998

1999

2000

2001 2002

2003

0

2004 2005 2006

1996

ATMs - bankomati EFTPOS

1997

1998 1999

2000

2001 2002

2003 2004 2005 2006

cards - kartice

Ë

Ë

MBNET ATM transactions /// transakcije na bankomatima u MBNET-u

transactions at MBNET EFTPOS terminals /// transakcije na EFTPOS terminalima u MBNET-u

4000000 18000000

3500000

16000000

3000000

14000000

2500000

12000000 10000000

2000000

8000000

1500000

6000000

1000000

4000000 500000

2000000 0

1996

1997

1998 1999

2000 2001

2002

cash withdrowal - podizanje gotovine

2003 2004

2005 2006

0

1996

1997 1998

1999 2000

payments - plaÊanja

2001

2002 2003

2004 2005 2006

C O M PA N Y P R O F I L E

MBU

d.o.o.

HR

ENG

MBU d.o.o. za informatiËki inæinjering i meubankarske usluge

MBU Ltd IT engineering and interbanking services

Andrije Æaje 61 10000 Zagreb tel. 01/4803 666 fax. 01/3049 346 e-mail: [email protected] www.mbu.hr

Andrije Æaje 61 10000 Zagreb tel. ++385 (0)1 4803 666 fax. ++385 (0)1 3049 346 e-mail: [email protected] www.mbu.hr

Tekst pripremili djelatnici i suradnici MBU d.o.o. Oblikovanje: Tisak: Kratis Naklada: 600 Zagreb, 2007.

Text: MBU Ltd specialists and associate consultants Design: Press: Kratis Edition: 600 Zagreb, 2007.

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