confidential and proprietary trusted information exchange safe, sound, & secure platforms
Post on 21-Dec-2015
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Confidential and Proprietary
Trusted Information Exchange
Safe, Sound, & Secure Platforms
Page 2 Confidential and Proprietary
The $187 Billion Payments Industry
• Drivers for Change– Check 21 Legislation – Change in FRB Cash Policy &
Services– Low-Cost Network & Computing
Technology – Multi-Function Shared Service Infrastructure
• Opportunities– Straight-Through Processing– New Merchant Services– Lower Cost of Operations– Fraud Reduction Opportunities
• Fraud Losses
• Operational Expenses– Processing Paper Checks – Transportation– Second Day Processing
• New 3rd Party Provider Fees– PPS, etc. – Check Verification/Guarantee
Sources: ABA Fraud Survey - NACHA Action Project Estimate - Nilson Report –
National Retail Federation – Food Marketing Institute
$ 0.9 Billion
12.2 Billion
2.7 Billion
$ 5.9 Billion
3.8 Billion
3.1 Billion
RetailersBanks
Page 3 Confidential and Proprietary
Viewpoint / Endpoint Exchange
Archive
Bank B
Bank A
On-Us
Transit
Peer-to-PeerImage Exchange
• ECP• Settlement
SVPCo / Federal Reserve
Peer to Peer Exchange / Payments Utilities
Local Archive
Local IRD Print
Enterprise Server• Application Interfaces• Image Sort
Decisioning• Clearing
Local Server• POP Connectivity• Image Quality
Assurance• Replication
Bank Posting Systems
ATM
Teller
High-Speed Image Capture
Merchant POP
Bank C
Bank D
Bank ECorrespondentBank
CorrespondentBank
Utility
Page 4 Confidential and Proprietary
FISERV / Metavante
ViewPointe
SVPCo
Bank C
EndPoint Exchange
Bank A
Bank B
Trusted Information Exchange Builds Communities
Correspondents
CommunitiesMerchant
Branches
Merchant
Merchant
Merchant
Branches
Page 5 Confidential and Proprietary
Service Oriented Architectures
Data
Process
StandardWeb Services
Information
Access
Processing
Page 6 Confidential and Proprietary
Safe, Sound, & Secure Access to Information
I n f o r m a t i o n B u s
Ch
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k 2
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Cre
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Ca
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Se
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me
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Share & Exchange Information
Lockbox & Cash Vault
Branch/ATM Capture
High Speed Sorter / Corp.
POS Capture
CorrespondentBanks
Ap
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Page 7 Confidential and Proprietary
Tremendous Growth Opportunity
Integration Opportunity Crosses Multiple: Business Lines Industries Countries
HealthCare
HealthCare
Govt.Govt. TelecomTelecom OtherIndustries
OtherIndustries
OtherCountries
OtherCountries
BankingBanking InsuranceInsurance BrokerageBrokerage
SYNORAN SolutionsAny-to-Any Connectivity:
Standardized Data, Process, and Access
SYNORAN SolutionsAny-to-Any Connectivity:
Standardized Data, Process, and Access