MBU d.o.o.

company profile

DINERS CLUB ADRIATIC d.d.

NEXCOM d.o.o.

PBZ AMERICAN EXPRESS d.o.o.

T - MOBILE HRVATSKA d.o.o.

TELE 2

VIPNET d.o.o.

BANKA KOVANICA d.d.

BANKA SONIC d.d.

CENTAR BANKA d.d.

CREDO BANKA d.d.

ERSTE BANK DER OESTERREICHISCHEN SPARKASSEN AG

ERSTE BANK a.d. NOVI SAD

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.

COMPANY PROFILE

banke/banks ostali/others

korisnici MBNET-a MBNET users

COMPANY PROFILE

MBU d.o.o.

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

TOGETHERBETTER

COMPANY PROFILE 3

lakπi put dosuvremene banke

an easier way towardsmodern banking

Banks compete with each other in thefield of services, but cooperate on mattersof infrastructure...

Banke se meusobno nadmeÊu napodruËju usluga, a surauju na podruËjuinfrastrukture...

MBU d.o.o. za informatiËki inæenjering i meubankarske usluge jesukladno zahtjevima banaka, projektirao, izgradio i uveo u funkcijuzajedniËku infrastrukturu za suvremeno poslovanje s bankovnimkarticama - MBNET.

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

MBU je u cilju poveÊanja sigurnosti, pouzdanosti i kvalitete uslugauveo u funkciju najnovije tehnologije i rjeπenja temeljena na koriπtenjuËip kartica, podupiruÊi time svoje korisnike u razvoju suvremenogviπekanalnog bankarstva.

MBU stalno zapoπljava i osposobljava struËnjake u vodeÊim svjetskimcentrima, a svoju poslovnu politiku temelji na zahtjevima svojih korisnikai provodi je u duhu zahtjeva ISO 9001 normi kvalitete. Otvoren inovacijamai suradnji sa srodnim sustavima MBU uvodi nove usluge doprinoseÊitime ekonomiËnosti, kvaliteti i konkurentnosti bankovnog poslovanja.

MBU u svom razvoju postupno πiri svoje poslovanje i izvan RepublikeHrvatske te postaje pruæatelj usluga u procesiranju transakcija skarticama u πiroj regiji.

MBU je izbor za dokazani lakπi put do suvremenog bankarskogposlovanja s karticama.

mr. sc. Sergio Uran, d.i.e. Direktor MBU d.o.o.

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

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

In the interests of enhancing security, reliability and quality of services,MBU has introduced state-of-the-art technology and solutions basedon use of EMV chip-cards to support development of modern multiphasebanking 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 bankingoperations.

MBU in its development gradually expands business activities outsideCroatia and becomes card transaction service provider in the region.

MBU is the right choice for a demonstrably easier path to moderncard-based banking operations.

Sergio Uran, M.Sc.Managing Director MBU d.o.o.

HR ENG

USE YOUR

CHOICES

COMPANY PROFILE 5

djelatnost MBU d.o.o. MBU Ltd activities

HR

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 meubankovni 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 prijevarevoenje reklamacijskih postupakavoenje 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 DesignCard-based Transaction Authorization and RoutingMonitoring of ATMs and EFTPOS terminals

Communication Network Design and ManagementCard Transaction Information Exchange (Clearing)Data Exchange for Interbank SettlementCard Processing and ManagementEMV Data GenerationCard PersonalizationComputation of PINs and Printing of PIN Envelopes

Testing Systems Connected to MBNETConsulting ServicesRCS (Risk Control System) ManagementMonitoring of Card FraudRefund Procedure ManagementCredit Card Management

Secondary Activities

Customer TrainingPublishingMarketing and PromotionEquipment ServicingEquipment ProductionAgency and Trade in Equipment and SuppliesFinancial, Administrative & Technical Services

ENG

ALWAYS EASIER

COMPANY PROFILE 7

MBNET MBNET

HR ENGMBNET je sustav za autorizaciju elektroniËkog plaÊanja i isplategotovine u zemlji i inozemstvu pomoÊu platnih kartica, te prihvatdomaÊih i stranih platnih kartica na bankomatima i EFTPOSterminalima 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 dogaajima:16. prosinca 1992. inicijativa u Udruæenju banaka za izgradnjuzajedniËke bankomatske mreæe15. srpnja 1993. prihvaÊen Elaborat o opravdanosti osnivanjapoduzeÊa za projektiranje i izgradnju zajedniËke bankomatske mreæe26. sijeËnja 1994. utemeljenje MBU d.o.o.25. sijeËnja 1995. potpisivanje ugovora sa BANKSYS-om,isporuËiteljem rjeπenja za autorizaciju i upravljanje MBNET-om25. sijeËnja 1996. prva isplata na bankomatu u MBNET-u(MBCARD karticom)25. svibnja 1996. prvo elektroniËko plaÊanje na EFTPOSterminalu u MBNET-u (MBCARD karticom)21. kolovoza 1998. prva transakcija s MasterCard karticom uMBNET-u10. rujna 1998. prva transakcija s meunarodnom MBNETMaestro karticom13. studenog 1998. prva transakcija s Visa karticom u MBNET-u21. lipnja 1999. prva transakcija s meunarodnom MBNETEurocard-MasterCard karticom10. studenog 1999. prva transakcija s meunarodnom MBNETVisa karticom25. sijeËnja 2000. prva transakcija s American Express karticomna bankomatu u MBNET-u04. prosinca 2000. BVQi certificate of Approval ISO 9001:1994

MBNET is a system for the authorization of domestic and inter-national electronic payments and cash withdrawals with paymentcards and acquiring of domestic and international payment cardson ATMs and EFTPOS terminals in MBNET.By using the MBNET system, banks can:

issue cards and authorize transactions for the following cardbrands: MBCARD, MBCARD/Maestro, MasterCard, Visa andVisa-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 theestablishment of common ATM network1993, July 15 Viability Study on the Establishment of a Companyfor the Design and Construction of a Common ATM Network adopted1994, January 26 MBU Ltd established1995, January 25 Agreement with BANKSYS, software provider,signed1996, January 25 MBNET begins functioning. First ATM cashwithdrawal via MBNET1996, May 25 First electronic payment via MBNET1998, August 21 First transaction using MasterCard card viaMBNET1998, September 10 First transaction using internationalMBNET Maestro card1998, November 13 First transaction using Visa card via MBNET1999, June 21 First transaction using international MBNETEurocard-MasterCard1999, November 10 First transaction using international MBNETVisa card2000, January 25 First transaction using American Expresscard on ATM via MBNET2000, December 04 BVQi Certificate of Approval ISO 9001:1994

COMPANY PROFILE 8

HR ENG12. srpnja 2001. prva transakcija s MasterCard karticom uMBNET-u preko Interneta27. kolovoza 2001. prva transakcija s American Express karti-com na EFTPOS terminalu u MBNET-u28. kolovoza 2001. prva transakcija s Diners karticom naEFTPOS terminalu u MBNET-u01. veljaËe 2002. prva SMS poruka o transakciji MBNET kartice25. travnja 2002. prvi prodani bon na bankomatima u MBNET-u14. lipnja 2002. prva autentikacija putem Interneta temeljena naviπefunkcijskoj Ëip kartici s ËitaËem za generiranje jednokratne lozinke11. listopada 2003. prva transakcija plaÊanja MBCARD kar-ticom putem mobilnog telefona27. studenog 2003. izdana prva EMV MBCARD / Maestro Ëip kartica26. listopada 2004. certifikacija EMV ATM acquiringa06. prosinca 2004. prvi EMV bankomat u produkciji06. listopada 2005. prvi je EMV EFTPOS terminal krenuo u rad10. listopada 2005. poËetak prevencije kartiËne prijevare01. studenog 2005. poËetak rada Centra za podrπku korisnicima01. studenog 2005. uvedena Help Desk On-line usluga (HDOL)14. studeni 2005. prihvat VISA EMV kartica na MBNET bankomatima01. prosinca 2005. uvedena usluga voenja kreditnih karticaunutar MBU01. prosinca 2005. izdana prva revolving kreditna kartica s raËunomu MBU02. sijeËnja 2006. izdana prva VISA EMV (VISA Smart Debit Credit- VSDC) kartica01. veljaËe 2006. prihvat VISA EMV kartica na MBNET EFTPOSterminalima

Pouzdanim sigurnosnim sustavom, opremom stalne raspoloæivostii djelotvornim srediπnjim nadzorom MBNET omoguÊuje korisnikubankovne kartice kvalitetnu bankovnu uslugu, samouslugu nabankomatima i elektroniËko plaÊanje - dvadesetËetiri sata dnevno,svakog dana u godini. Rasprostranjenost, sigurnost i raspoloæivostMBNET-a doprinose razvoju poslovanja i poslovnom ugledu banaka kojekoriste MBNET.

2001, July 12 First transaction using MasterCard card onInternet via MBNET2001, August 27 First transaction using American Express cardon EFTPOS via MBNET2001, August 28 First transaction using Diners card on EFTPOSvia MBNET2002, February 01 First SMS message about MBNET card transaction2002, April 25 First GSM voucher sold at ATMs in the MBNET system2002, June 14 First Internet authentication based on the multi-functional chip card with a reader to generate One Time Passwords2003, October 11 First transaction using MBCARD conductedby cell phone2003, November 27 First EMV MBCARD / Maestro chip card issued2004, October 26 Certification of the EMV ATM Acquiring2004, December 06 First EMV ATM in Production2005, October 6 First EMV EFTPOS terminal becomes operational2005, October 10 Card fraud prevention introduced2005, November 1 Customer Support Center opened2005, November 1 Help Desk On-line service introduced2005, November 14 VISA EMV card acquiring on MBNET ATMs.2005, December 1 Introduced Card Management service within MBU2005, December 1 Introduced first revolving credit card withaccount managed in MBU2006, January 2 First EMV VISA (VISA Smart Debit Credit - VSDC)card issued2006, February 1 VISA EMV card acquiring on MBNET EFTPOSterminals.

With a reliable security system, high availability equipment and withefficient central monitoring MBNET offers to bank card users highquality banking services. Self-service at ATMs and electronic paymentoperations are available 24-hour a day, 365 days a year. In its scope,security and availability, MBNET advances the development of bankingoperations and the reputation of member banks.

COMPANY PROFILE 9

MBNET MBNET

Card productKartiËni proizvod

EMV Card product issuingIzdavanje EMV kartiËnog proizvoda

EMV Card product acquiringPrihvat EMV kartiËnog proizvoda

EMV Card product issuing/acquiringPrihvat/izdavanje EMV kartiËnog proizvoda

EMV

EMV

EMV

EMV

Calendar of Function Introductionskalendar uvoenja funkcija

1996. 1997. 1998. 1999. 2000. 2001. 2002. 2003. 2004. 2005.

PROTONEMV

EMV

EMV

EMV

EMV

EMV

EMV

2006.

EMV

EMV

EMV

EMV

EMV

EMV

EMV

EMV

EMV

EMV

EMV

EMV

EMV

EMV

EMV

COMPLEXITYsimplE

COMPANY PROFILE 11

Authorisation System - autorizacijski sustavATM - bankomatBack-office system - pozadinski sustavBank - banka  Bank Host system - sustav bankeBank network - mreæa banke  Data preparation system - sustav za pripremu podataka

GSM network - GSM mreæaGSM user - GSM korisnikInternet user - Internet korisnikPerso bureau - Perso biroPrivate X.25 network - privatna X.25 mreæaPublic telephone network - javna telefonska mreæaTCP/IP network - TCP/IP mreæa

prikaz struktureMBNET-a

outline ofMBNET’s structure

Bank

Bank Host System

MBModule

Data preparationsystem

Framerelay

PrivateX.25

network

Publictelephonenetwork

EFTPOSterminal

ATM

EFTPOSterminal

Visa

Diners

MasterCard

Amex

Banknetwork

ATM

Internet

GSMnetwork

MBSMS GSM user

Internet user

Internet

MBePAY

ATM

Back-officesystem

Authorizationsystem

TCP/IPnetwork

EMV EFTPOSterminal

EMV ATM

Publictelephonenetwork

Perso bureau Connect Direct

COMPANY PROFILE 12

HR ENGAutorizacijski sustav sluæi za autorizaciju isplata i elektroniËkih plaÊanjabankovnim karticama. U sustavu se nalaze podaci potrebni za to, kaoi za druge usluge korisnicima bankovnih kartica (npr. informacija oraspoloæivom iznosu). Autorizacijski sustav osim autorizacije transakcija,obavlja i prosljeivanje (switching) zahtjeva za autorizaciju premadrugim mreæama.

Pozadinski sustav sluæi za podrπku poslovima pripreme i razmjenepodataka izmeu banaka i MBU-a, za pripremu i razmjenu podatakas Autorizacijskim sustavom MBNET-a, za razmjenu podataka smeunarodnim kartiËnim kuÊama, za podrπku Sustavu za voenjekartica te za pripremu podataka o meubankarskim naknadama iobraËunima, statistiËkim podacima MBNET-a i naknadama MBU.

Komunikacija izmeu Pozadinskog sustava i banaka ostvarena jepreko aplikacija MBModul i/ili C:D (Connect Direct) koje se nalazena radnim stanicama u bankama. MBModuli uspostavljaju vezu sposluæiteljem Pozadinskog sustava i razmjenjuju podatke putem javnetelefonske mreæe ili preko zakupljene Frame Relay veze dok C:Duspostavlja vezu iskljuËivo koristeÊi Frame Relay.

Sustav za voenje kartica je sastavni dio Pozadinskog sustava, abanka ga moæe koristiti za voenje svojih kreditnih i debitnih kartica,raËuna kartica i podataka o korisnicima kartica. Sustav podræavarevolving i druge vrste kredita, omoguÊuje udaljene radne stanice ubanci, pripremu datoteke s izvodima raËuna za korisnike i slanje ubanku sintetiËkih podataka za knjiæenje.

Sustav za pripremu podataka za personalizaciju generira PIN kartice,vrπi pripremu podataka za EMV Ëip kartice ukljuËujuÊi sigurnosnekljuËeve, te priprema ostale podatke potrebne za personalizacijukartica. MBU ispisuje PIN omotnice za sve vrste kartica i personaliziradebitne kartice bez Ëipa, dok se EMV Ëip kartice na temelju u MBUkreiranih podataka presonaliziraju u specijaliziranoj usluænoj organizaciji(Perso biro).

Bankomat se povezuju s autorizacijskim sustavom putem TCP/IPprikljuËka na najbliæi Ëvor u LAN banke ili na najbliæi Ëvor MBNET-a.

Authorization system authorize disbursement and electronic paymentby bank card. It contains all necessary data for these and other servicesrequired by bank card users (e.g. information on available balance).Besides authorizing transactions, authorization system also performsswitching for authorization involving external networks.

Back Office System provides support for preparation and dataexchange between banks and MBU, preparation and data exchangewith MBNET Authorization system, data exchange with internationalcard-issuing companies, support to the Card Management System,and data preparation for interbanking fees and settlement, MBNETstatistics data and MBU's fees.

Communication between Back Office system and banks is accomplishedwith applications MBModule and/or C:D (Connect Direct) installedin bank work stations. MBModules establish link with Back OfficeSystem servers and data is exchanged via public telephone networksor through leased Frame Relay links while C:D establishes link solelyvia Frame Relay.

Card Management System is part of Back Office system and bankcan use it to manage its credit and debit cards, card accounts andcardholder data. The system supports revolving and other types ofcredit, facilitates remote work stations in banks, preparation of accountstatement files for users and submission to synthetic databank forregistration.

Data preparation system for personalization generates PIN cards,prepares data for EMV chip cards, including security keys, and preparesother data necessary for card personalization. MBU prints out the PINenvelopes for all card types and personalizes debit cards without chipwhile EMV chip is personalized by a special service company (Persobureau) on basis of data prepared by MBU.

ATM are linked to the authorization system through TCP/IP links tothe nearest node in bank LANs or to the nearest MBNET node.

COMPANY PROFILE 13

HR ENGEFTPOS terminal se povezuje preko javne telefonske mreæe izravnona Autorizacijski sustav, do Ëvora X.25 ili TCP/IP mreæe. Grupe EFTPOSterminala povezuju se zakupljenom vezom izravno na Ëvor X.25 iliTCP/IP mreæe.

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

GSM korisnik moæe primati SMS poruke o obavljenim autorizacijamaili ostale poruke iz svoje banke ukoliko banka koristi MBSMS uslugu.Takoer, GSM korisnik moæe preko mobitela plaÊati GSM operaterus raËuna svoje MBCARD ili MasterCard kartice.

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

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

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

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

MBNET interfaces with MasterCard, VISA, American Express andDiners Club networks, so international card holders can access servicesat ATMs and EFTPOS terminals within MBNET, while domestically-issued international card holders can enjoy the same services abroad.

EASY TO USE

COMPANY PROFILE 15

MBCARD kartica MBCARD card

HR ENGMBCARD je viπenamjenska bankovna platna kartica. Ona je rezultatzajedniËkog izbora hrvatskih banaka koje koriste MBNET, a namijenjenaje za bezgotovinsko elektroniËko plaÊanje roba i usluga na EFTPOSterminalima, za samouslugu na bankomatima i za jamstvo pri koriπtenjuËekova.

Prilikom koriπtenja MBCARD-a u MBNET-u, na bankomatima ili naEFTPOS terminalima, potrebno je potvrditi transakciju unosom ispravnogosobnog tajnog broja - PIN-a. PIN je vaæan element zaπtite sredstavana raËunu korisnika kartice.

MBCARD karticom moæe se podizati gotovina i/ili elektroniËki plaÊatisamo do raspoloæivog iznosa kojeg banka odredi, ali unutar dozvoljenihdnevnih i tjednih ograniËenja iznosa po kartici.

Na MBCARD karticu veÊina je banaka pridodala meunarodni znakMaestro. Time je nastala cobrand MBCARD/Maestro kartica koja semoæe koristiti u Hrvatskoj i inozemstvu na svim bankomatima i EFTPOSterminalima na kojima su istaknuti znakovi Maestro ili Cirrus. IzvanMBNET-a, na EFTPOS terminalima koji nemaju moguÊnost unoπenjaPIN-a, korisnik kartice moæe potvrditi transakciju plaÊanja pomoÊupotpisa.

EMV MBCARD kartica opremljena je s Ëipom u svrhu unapreenjasigurnosti u poslovanju s karticama. Viπe o njenoj primjeni u svrhuautentikacije u poglavlju “EMV + autentikacija”.

The result of a joint effort of Croatian banks using MBNET is theMBCARD - a multipurpose card usable for electronic payments ofgoods 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 thecorrect PIN. The PIN is an important feature for the cardholderaccounts security.

The MBCARD facilitates withdrawals and/or electronic paymenttransactions up to the amount made available by the bank, but withinthe daily or weekly spending limits per card.

Most banks applied international Maestro logo on MBCARD creatingcobrand MBCARD/Maestro card. This card can be used on all ATMsand EFTPOS terminals marked with Maestro or Cirrus acceptancemarks both in Croatia and abroad. On EFTPOS terminals outsideMBNET network and without PIN entering possibility, cardholder canverify the transaction with signature.

EMV MBCARD card is equipped with a chip. This provides many newfunctions 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”.

personal touchwith a

COMPANY PROFILE 17

personalizacija EMV Ëip kartica EMV chip card personalization

HR ENGMBU je u okviru projekta izdavanja EMV platnih kartica uveo usluge:priprema podataka za personalizaciju EMV Ëip kartica i uslugu dostavetakvih podataka do specijalizirane usluæne organizacije za personalizacijuEMV Ëip kartice. MBU nudi i usluge obrade i dostave podataka zadodatne aplikacije na Ëipu kao πto su autentikacija i shema lojalnosti.MBU je pored usluge pripreme podataka za izdavanje EMVMBCARD/Maestro debitnih Ëip kartica, razvio i uslugu izdavanja EMVkreditnih Ëip kartica kao πto su MasterCard te VISA kartice temeljenena standardima M/Chip 2.1/4.0 te VSDC 1.3.9/1.4.0.U pripremi EMV podataka i personalizaciji EMV Ëip kartica sudjelujutri strane:- Banka izdavatelj koja odreuje profil EMV kartice i podatke o korisnikukartice,- MBU koji vrπi pripremu EMV podataka, izraËunava PIN i tiska PINomotnice,- Perso biro - usluæna organizacija koja personalizira EMV Ëip karticui istu dostavlja banci izdavatelju ili po njenom nalogu dostavlja korisnikupoπtom.Izdavanje EMV Ëip kartica odvija se u slijedeÊim koracima:1. Banka izdavatelj inicira proceduru kreiranja profila EMV Ëip karticete formira i πalje u MBU datoteku s podacima za karticu, pripadajuÊiraËun, kontrolne podatke potrebne za kreiranje EMV Ëip kartice.2. MBU na temelju primljenih podataka od banke izdavatelja, kreirai uvodi karticu i pripadajuÊi raËun u Sustav za voenje kartica, generiraPIN 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 isheme lojalnosti.4. MBU πalje EMV podatke za personalizaciju Ëip kartice do Persobiroa.5. Perso biro personalizira EMV Ëip kartice, dostavlja ih banci izdavateljuili sprema u omotnicu i dostavlja poπtom korisniku.6. MBU generira PIN-ove i tiska u PIN omotnice ili ih kriptiraneprosljeuje Perso birou ili specijaliziranoj usluænoj organizaciji zatiskanje u PIN omotnice.

MBU introduced these services as part of the EMV payment cardissuing project: preparation of data for personalization of EMV chipcards and delivery of such data to specialized service companiesthat personalize EMV chip cards. MBU also processes and deliversdata for additional applications on chips, such as authentication andloyalty schemes.Besides data preparation for issuing EMV MBCARD/Maestro debitchip cards, MBU has also issues EMV credit chip cards, such asMasterCard and Visa cards based on M/Chip 2.1/4.0 and VSDC1.3.9/1.4.0 standards.Three parties participate in the preparation of EMV data andpersonalization of EMV chip cards:- The issuing bank, which determines the profile of the EMV cardsand data on card users,- MBU, which prepares EMV data, generates the PIN and prints thePIN wrapper,- Perso bureau - a service company that personalizes EMV chipcards and delivers them to the issuing bank or to the cardholder bymail 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 chipcard profile, forms and delivers the file to MBU accompanied by datafor the card, the accompanying account, and control data necessaryto create the EMV chip card.2. Based on the data from the issuing bank, MBU creates andenters the card with accompanying account in Card ManagementSystem, generates the PIN and activates the system to administer thelife cycle of the card and account.3. MBU generates EMV data, card profile parameters and authenticationand loyalty scheme parameters in Smart Card Data Preparation System.4. MBU sends the EMV data for chip card personalization to Persobureau.5. Perso bureau personalizes the EMV chip card, delivers them to theissuing bank or places them in envelopes and delivers them to theuser by mail.

COMPANY PROFILE 18

HR ENG

Issuing bank

Authenticationserver

Card ManagementSystem

Authorisationsystem

Smart Card DataPreparationSystem

Authenticationserver

Loyaly applicationsserver

Cardpersonalisationservice

Cardholder

1

2

3

4

5

6

7

8

8

9

7. MBU uvodi podatke o kreiranoj kartici i raËunu u autorizacijskisustav MBNET-a u svrhu njezinog koriπtenja na bankomatima i kodelektroniËkog plaÊanja.8. MBU kreirane podatke za aplikacije autentikacija i sheme lojalnostirazmjenjuje 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 dostavljaautentikacijskom serveru banke izdavatelja.

6. MBU generates PINs and prints the PIN envelopes or encryptsthem and forwards them to Perso bureau or the specialized servicecompany that prints PIN envelopes.7. MBU enters data for generated cards and accounts in the MBNETauthorization system for its use at ATMs and for electronic payments.8. MBU exchanges the data generated for authentication and loyaltyscheme 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.

Authentication server - Autentikacijski serverAuthorisation server - Autorizacijski serverCardholder - Korisnik kartice

Card Management System - Sustav za voenje karticeCard personalisation service - Perso biroIssuing Bank - Banka izdavatelj

Loyalty applications server - Server za aplikaciju lojalnostiSmart Card Data Preparation System - Sustav za pripremupodataka za pametne (Ëip) kartice

COMPANY PROFILE 19

HR ENG

izdavanje platnih kartica payment cards issuing

DomesticSettlement

System

Issuing bank(debtor bank)

Authorisationsystem

Back Officesystem

ATM

EFTPOS andInternet

1

6

5

4 7Account

balances andavailableamounts

Settlementwith banks

6

MasterCard Visa

2

Visaother banks

(creditor banks)MasterCard

Account balances and available amounts - Stanja raËuna iraspoloæivi iznosiATM - Bankomat

Authorisation System - Autorizacijski sustavBack Office System - Pozadinski sustavDomestic settlement system - Platni promet u zemlji

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

1) Zahtjev za isplatu ili plaÊanje s karticom banke-izdavatelja u MBNET-u, odobrenjezahtjeva i zapisivanje podataka o obavljenoj transakciji.2) Zahtjev za isplatu ili plaÊanje s karticom banke-izdavatelja izvan MBNET-a iodobrenje zahtjeva.3) Podaci o obavljenim transakcijama (u MBNET-u) i odobrenim zahtjevima (izvanMBNET-a) prenose se viπe puta na dan s Autorizacijskog na Pozadinski sustav. Zatransakcije kartica banke-izdavatelja na tuim terminalima izraËunavaju se naknadeza usluge banka-banka za pojedine transakcije.4) Jednom ili viπe puta na dan prenose se iz pojedine druge mreæe u MBNET podacio obavljenim transakcijama u drugoj mreæi.5) Prijenos podataka o pojedinim transakcijama kartica banke-izdavatelja (u i izvanMBNET-a) i pripadnim naknadama usluga te ukupni dnevni iznosi transakcija inaknada usluga za poravnanja banka-banka. Takoer se prenose podaci o odobrenimzahtjevima za transakcije s karticama banke-izdavatelja izvan MBNET-a. Banka iniciraprijenos jednom ili viπe puta na dan.6) Banka-izdavatelj kartica nalogom za plaÊanje plaÊa dnevni iznos poravnanjatransakcija i naknada usluga za transakcije vlastitih kartica na terminalima drugebanke. Za transakcije u drugim mreæama 'pridruæena' banka-izdavatelj plaÊa dnevniiznos 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 sustav8) a odmah zatim na Autorizacijski sustav.

1) Cash withdrawal or payment using an issuing bank’s card within MBNET, approvalof request and recording of transaction data.2) Cash withdrawal or payment request using an issuing bank’s card and approval ofrequest for cards managed outside MBNET.3) Transaction data (within MBNET) and approved requests (outside MBNET) aretransferred several times a day from the authorizing to the Back-Office system. Bank-to-bank compensations are calculated simultaneously for individual transactions usingan issuing bank’s card at other terminals.4) Transaction data from MBNET to other networks are transferred for other networksonce 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-banksettlement and approved authorization data are accepted by the bank. Data on approvedrequests for issuing-bank cards outside of MBNET are also transferred. The bankinitiates transfer once or several times daily.6) The issuing bank initiates payment of daily settlement transactions and service feesfor transactions involving its own cards at the terminals of other banks. For transactionsin 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 forthe cards it has issued. The latest changes in the current account balances, as wellas changes in available amounts, are transferred to the Back-Office system,8) and, immediately thereafter, to the Authorisation system.

3 8

COMPANY PROFILE 20

HR ENGBanka koja koristi usluge MBU-a moæe izdavati kartice MBCARD,sve vrste kartica iz obitelji MasterCard (MasterCard, Maestro iCirrus) i sve vrste kartica iz obitelji Visa (Visa, Visa-Electron i Plus).Sve ove kartice mogu biti opremljene, osim magnetnom trakom,takoer i sa Ëipom za podrπku EMV aplikacije.Kod koriπtenja kartica na tuim terminalima (bankomati, EFTPOSi Internet) banka-izdavatelj plaÊa iznos transakcije (+/- naknada)drugoj banci.Kada se kartice koriste u MBNET-u, "druga banka" je banka-prihvatitelj. 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-ukao i izvan MBNET-a, koriste s PIN-om te s on-line provjeromraspoloæivog iznosa i limita koji se vode u MBNET-u.MBCARD-Maestro i Visa-Electron kartice, koje se mogu koristitii izvan MBNET-a, mogu se na EFTPOS terminalima koristiti s PIN-om ili s potpisom. Ove kartice se uvijek koriste s on-line provjeromraspoloæivog iznosa i limita u MBNET-u.MasterCard i Visa kartice na EFTPOS terminalima se redovitokoriste s potpisom. Kod ovih kartica moguÊa su plaÊanja bez on-line provjere raspoloæivog iznosa i limita u MBNET-u (za iznoseplaÊanja manje od odreenog praga).

Any bank using MBU services may issue MBCARD cards, allbrands from the MasterCard family (MasterCard, Maestro andCirrus) and all cards from the Visa family (Visa, Visa-Electron andPlus). Besides magstripes, all of these cards can carry a chipsupporting the EMV application.When using the card at other’s terminals (ATMs, EFTPOS andInternet), the bank that issued the card pays the transaction amount(+/- fee) to other bank.When the cards are used within MBNET, "other bank" is acquiringbank. When the cards are used outside MBNET, for "principal"bank cards the term “other bank” implies another network, whilefor the cards of the “affiliated” bank, the “other bank“ implies the"principal” bank.All types of cards acquired at ATMs in MBNET and outside MBNETare, as a rule, used by entering the PIN, and on-line checks of theavailable balance and limits are included for bank cards managedin MBNET.MBCARD-Maestro and Visa-Electron cards, which can be usedoutside MBNET, can also be used at EFTPOS terminals either bykeying in the PIN or by checking the signature. The transactioncannot be completed without an on-line check of the availablebalance and limits in MBNET.MasterCard and Visa cards are regularly accepted at EFTPOSterminals by signature authorization. Payment with these cards ispossible without checking the available balance and limit withinMBNET (for payment amounts lower than a specified limit).

COMPANY PROFILE 21

HR ENGRaspoloæivi iznos dostavlja banka MBNET-u ako se kartica vodi ubanci. U sluËaju da se Sustav za voenje kartice nalazi u MBU, MBUvodi raËuna o raspoloæivom iznosu i umanjuje ga nakon svake obavljenetransakcije. Kod MBCARD kartica isti raspoloæivi iznos (isti tekuÊiraËun) moæe koristiti viπe kartica.Banka moæe pojedinim karticama odobriti koriπtenje dodatnograspoloæivog iznosa samo za kupovine. To se moæe primijeniti kadabanka odobrava korisniku kartice kredit za kupovine ili kadakorisniku kartice kredit daje trgovina.Limiti su terminski odreeni, za gotovinske isplate, za plaÊanja,u zemlji, u inozemstvu, na sumu iznosa transakcija, na brojtransakcija. Banka ih moæe odrediti razliËite za svaku pojedinukarticu i raËun.

The bank informs MBNET about the available amounts if cardmanagement is in the bank. In case that Card Management systemis in MBU, MBU manages the available amounts and decreases themafter each transaction. With the MBCARD cards, several cards canuse the same available amount (the same current account).The bank can authorize the use of additional available amountsto the individual cards solely for purchases. This available amountmay be used when bank gives credit for the purchases to cardholderor when merchant gives such a credit.There are several types of limits: time-defined, for cash disburse-ments, for payments, home and abroad, for the transaction sum,for the number of transactions. The bank determines various limitsfor each individual card and account.

ACCEPTwe say

COMPANY PROFILE 23

HR ENG

prihvat platnih kartica payment cards acceptance

DomesticSettlement

System

AuthorisationSystem

Back OfficeSystem

ATM accounts

Settlement withthe merchants

Visa

ATM

EFTPOS andInternet

1

6

5

4

7

Amex

2

Visa DinersAmex

7

6

Acquiring bank(creditor bank)

Diners

Other banks(debtor banks)

Merchants

MasterCard

MasterCard

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

Authorisation System - Autorizacijski sustavBack Office System - Pozadinski sustavDomestic settlement system - Platni promet u zemljiMerchants - Trgovine

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

1) Zahtjev za isplatu ili plaÊanje na terminalu banke-prihvatitelja, odobrenje zahtjevai zapisivanje podataka o obavljenoj transakciji.2) Ukoliko se kartica ne vodi u MBNET-u, zahtjev se proslijeuje na odobrenje(autorizaciju) u onu mreæu u kojoj se kartica vodi.3) Podaci o obavljenim transakcijama prenose se viπe puta na dan s Autorizacijskogna Pozadinski sustav. Za tue kartice na terminalu banke-prihvatitelja izraËunavajuse naknade za usluge banka-banka za pojedine transakcije (banka-prihvatitelj dobivanaknadu za isplatu, a daje naknadu za plaÊanje).4) Jednom dnevno prenose se podaci o obavljenim transakcijama kartica drugihmreæa iz MBNET-a u druge mreæe.5) Prijenos podataka o pojedinim transakcijama na terminalima banke-prihvatiteljai pripadnim naknadama usluga te ukupni dnevni iznosi transakcija i naknada uslugaza poravnanja banka-banka. Banka inicira prijenos jedanput ili viπe puta na dan.6) Banka-izdavatelj kartica nalogom za plaÊanje plaÊa dnevni iznos poravnanjatransakcija i naknada usluga za transakcije vlastitih kartica na terminalima drugebanke. Za kartice drugih mreæa banka koja ima financijski odnos s drugom mreæom('punopravna' banka) plaÊa takoer dnevni iznos poravnanja banci-prihvatitelju kojanema 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 naknaduusluge banke trgovini).

1) Cash withdrawal or payment request at the terminals of acquiring banks, approvalof 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 systemto the Back-Office system. Fees are computed for bank-to-bank services for individualtransactions involving cards from other networks at acquiring-bank terminals (theacquiring bank receives fees for disbursement and compensates payments).4) Transaction data from MBNET to other networks are transferred for the cards ofthose other networks on a daily basis.5) The bank accepts data on individual transactions at acquiring-bank terminals andthe accompanying service fees, daily transaction totals and fees for bank-to-banksettlement. The bank initiates transfer once or more daily.6) The issuing bank initiates payment of daily transaction settlements and service feesfor transactions involving its own cards at the terminals of other banks. A bank that hasfinancial links to another network (‘principal bank’) also pays a daily settlement fee tothe 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 forthe payments of all contracted card types (less bank service fees payable by themerchant) either daily or by arrangement.

3

Settlement withthe banks

COMPANY PROFILE 24

HR ENGBanka-prihvatitelj koja koristi usluge MBU-a moæe preko MBNET-a prihvaÊati vlastite i tue kartice na vlastitim bankomatima iEFTPOS terminalima, kod trgovaca bez EFTPOS terminala, zaplaÊanja na internetu i za plaÊanja putem mobitela GSM operateru.Kod prihvaÊanja tuih kartica za isplate gotovine banka-prihvatiteljdobiva isplaÊeni iznos uveÊan za naknadu (za uslugu isplate) oddruge banke.Kod prihvaÊanja tuih kartica za plaÊanja roba i usluga banka-prihvatitelj dobiva iznos plaÊanja od druge banke, ali umanjen zanaknadu, koja kod plaÊanja pripada izdavatelju.Kod kartica koje se autoriziraju u MBNET-u, "druga banka" jebanka-izdavatelj. Kod kartica koje se autoriziraju u drugoj mreæi,za "punopravnu" banku "druga banka" je mreæa koja daje autori-zaciju, dok je za "pridruæenu" banku "druga banka" pripadna"punopravna" banka.Bankomat u MBNET-u pruæa korisnicima svih kartica koje seautoriziraju u MBNET-u slijedeÊe usluge:- isplata gotovine, oplata gotovine, upit u stanje raËuna, promjenaPIN-a po izboru korisnika kartice i kupovanje GSM bona, dodatnoza korisnika MBCARD kartice moguÊ je nalog za prijenos sredstava.Korisnicima kartica koje se ne autoriziraju u MBNET-u bankomatu MBNET-u pruæa usluge:- isplata gotovine, kupovanje GSM bona i (samo za Visa i Visa-Electron kartice) upit u stanje raËuna.

Korisnici svih kartica mogu primati poruke na engleskom, njemaËkom,talijanskom i hrvatskom jeziku.

The acquiring bank that uses MBU services can accept its own,as well as other's cards at its ATMs, EFTPOS terminals, merchantswithout EFTPOS terminals, for payment on the Internet and paymentby cell phone to the GSM operator.When acquiring the cards of other bank for cash disbursements,the acquiring bank receives the disbursed amount increased bythe fee (for the disbursement service) from the other bank.When acquiring the cards of other bank for goods and servicepayments, the acquiring bank receives the payment amount fromthe other bank decreased by the fee, which belongs to the issuer.For cards which are authorized in MBNET, “other bank” is thebank that issued the cards. Cards that are authorized in the othernetwork, for “principal” bank, the term “other bank” implies anothernetwork 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 cardsauthorized in MBNET include:- Cash payment, cash deposit, query, PIN change (PIN selectedby cardholder), purchase of GSM voucher and money transferorder for MBCARD cardholders.Services available at ATMs within MBNET for other users of allcards not authorized in MBNET include:- Cash withdrawal, purchase of GSM voucher and (only for VISAand VISA-Electron cards) balance inquiry.

All cardholders can receive his instructions in English, German,Italian and Croatian.

COMPANY PROFILE 25

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

For all services at ATMs, the cardholder uses his/her PIN and maychoose to receive a slip confirming the transaction.Services available at EFTPOS (Electronic Fund Transfer at Pointof Sale) terminals within MBNET include:- Payment, cash advance, pre-authorization, reversal, refund.Transactions at EFTPOS terminals may be confirmed by the userwhen 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

COMPANY PROFILE 27

HR ENG

MBNET - jednostavnodo meunarodnih kartica

MBNET - an easy way towardsinternational cards

MBNET omoguÊuje svakoj banci,"punopravnoj" i "pridruæenoj", brzo ijednostavno uvoenje poslovanja smeunarodnim karticama. Osim autori-zacija transakcija, MBNET bankamapruæa:

- podrπku razmjene podataka smeunarodnim mreæama,- podrπku uvoenja velikog brojanaknada izmeu "punopravne" i"pridruæene" banke,"Pridruæena" banka, kod prihvatai izdavanja meunarodnih kartica,moæe zbog jednostavnosti odabratiposlovanje za transakcije i zanaknade u kunama.

MBNET enables the quick and simpleimplementation of international bankcard business to each “principal” and“affiliate” bank. Besides transactionauthorization, MBNET offers the follow-ing services to member banks:

- International network data clear-ing support,- Introduction of a large number offees between the “principal” andthe “affiliate” bank,In order to simplify the process,the “affiliate” bank can, when ac-quiring and issuing internationalcards, choose to charge for trans-actions and fees in Croatian kuna.

Internationalnetworks

Internationalsettlement

MBNET

Bank

Chargebackcenter in a bank

All in kuna

1 2

3

6

5

4

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

International networks - Meunarodne mreæeInternational settlement - Meunarodna poravnanja

1) MBNET πalje podatke o obavljenim transakcijama tuih kartica u MBNET-u. MBNETtakoer izraËunava i πalje naknade meunarodne mreæe.2) MBNET preuzima od meunarodne mreæe izvjeπtaje i podatke o transakcijama inaknadama za transakcije MBNET kartica izvan MBNET-a.3) Poravnanja za transakcije i naknade obavljaju se po nalogu meunarodne mreæeu stranoj banci u kojoj sve "punopravne" banke imaju otvoren raËun.4) "Punopravna" banka odreuje naknade "pridruæenim" bankama za prihvaÊanje iizdavanje kartica. Ove naknade ukljuËuju naknade meunarodne mreæe i drugetroπkove. MBNET moæe podræati proizvoljan broj algoritama naknada za svakumeunarodnu mreæu i za svaku "punopravnu" banku (prema vrsti kartice, transakcije,podruËju koriπtenja...). MBNET izraËunava naknadu (u kunama) za svaku pojedinutransakciju.5) Sve iznose i naknade MBNET dostavlja bankama takoer i u kunama. "Pridruæene"banke mogu za meunarodno poslovanje karticama koristiti samo kune, s Ëime sebitno pojednostavnjuje i informatiËka obrada u bankama.6) Dodatni se raznovrsni podaci i izvjeπtaji razmjenjuju izmeu MBNET-a i reklamacijskogcentra banke. “Pridruæena” banka ne mora imati vlastiti reklamacijski centar, veÊ zanju moæe raditi reklamacijski centar “punopravne“ banke.

1) MBNET sends the data on the transactions done within MBNET by means of bankcards of other networks. MBNET also calculates and sends the fees of the internationalnetwork.2) MBNET takes over the reports and data on transactions and fees for the transactionsof MBNET cards outside MBNET from the international network.3) Transaction and fee settlement is done upon the order of the international networkin a foreign bank in which all “principal” banks have an account.4) The “principal” bank determines the fees for the acquiring and issuing of cardsto the “affiliate” banks. These fees include the fees of the international network andother costs. MBNET can support an arbitrary number of algorithms for each internationalnetwork 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 cardbusiness, which simplifies data processing in banks.6) Various additional data and reports are exchanged between MBNET and the bankchargeback center. The ”affiliate” banks do not need to have its own chargebackcenter of “principal“ bank may do all the work for “affiliate“ banks.

OUR GOALYOUR REQUEST

COMPANY PROFILE 29

HR ENG

poslovanje s meunarodnimbankovnim karticama

international cards business

Povezivanjem MBNET-a s mreæom MasterCard-a i mreæom Viseostvareni su tehniËki uvjeti za izdavanje i prihvat meunarodnihkartica obitelji MasterCard-a i Vise. Povezivanjem s mreæom AmericanExpressa (Amex) i Dinersa ostvareni su tehniËki uvjeti za prihvatmeunarodnih kartica American Express i Diners.Svaka transakcija na bankomatu, EFTPOS terminalu ili Internetupreko MBNET-a s meunarodnim karticama domaÊe ili strane bankeautorizira se u mreæi izdavatelja kartice. Takva se transakcija naziva"on-line" transakcijom.Pojedine druge mreæe mogu za neke vrste meunarodnih karticaobavljati transakcije kupovina (do odreenog iznosa) na osnovi STOPliste u toj mreæi. Takva se transakcija naziva "off-line" transakcijom.Meunarodne kartice koje se mogu koristiti u MBNET-u kao i nasvakom bankomatu i na svakom prodajnom mjestu u zemlji i svijetuoznaËenom barem jednim od znakova koji se nalaze na kartici su:

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

MasterCard

Maestro

Cirrus

Visa

Visa-Electron

Plus

American Express

Diners

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

homeworld is our

COMPANY PROFILE 31

EMV + autentikacija + ... EMV + authentication + ...

HR ENGMBNET je usklaen sa zahtjevima za koriπtenje Ëip kartica premaEMV (Europay-Mastercard-Visa) specifikacijama i sukladan je sazahtjevima globalne interoperabilnosti u poslovanju banakalicenciranih za izdavanje i prihvat MBCARD, Mastercard i VisaEMV Ëip kartica.»ip kartica MBNET-a, pored temeljne debitne ili kreditne funkcije,podræava funkcije identifikacije, autentikacije, digitalnog potpisa iskupljanja bodova za koriπtenje sheme lojalnosti.Izdavanje viπenamjenske EMV Ëip kartice odvija se u nizu poje-dinaËnih procesa koji su u MBU razvijeni u zaokruæene poslovnecijeline u svrhu omoguÊavanja izbora koriπtenja pojedine ili kompletneusluge izdavanja EMV Ëip kartice.Pored koriπtenja na bankomatima i na prodajnim mjestimaopremljenim EFTPOS terminalima, EMV Ëip kartica MBNET-a sena jednostavan i siguran naËin, uz koriπtenje istog PIN-a i odgova-rajuÊeg ËitaËa Ëip kartice, koristi i za obavljanje telefonskih i Internettransakcija.EMV sukladan MBNET s pridruæenom Ëip karticom i ËitaËem Ëipkartice je suvremena osnova za jednostvanost i sigurnost u razvojui obavljanju poslovanja u viπekanalnom bankarstvu.

MBNET meets the requirements for chip-card use under the EMV(Europay-Mastercard-Visa) specifications and is consistent withglobal interoperability requirements for the operations of bankslicensed for the issuance and acceptance of MBCARD, MasterCardand Visa EMV chip cards.In addition to its basic debit and credit card functions, the MBNETchip card supports identification, authentication, digital signatureand loyalty functionalities.The issuance of the multipurpose EMV chip cards follows a sequenceof separate processes developed by MBU as self-standing businessmodules allowing customers to choose individual or comprehensiveEMV chip-card issuance services.Alongside with its use at ATMs and EFTPOS terminals, the MBNETEMV chip card allows easy and secure performance of telephoneand Internet banking transactions by using the same PIN and theappropriate chip-card reader.The EMV-compliant MBNET with the accompanying chip card andchip-card reader provides a state-of-the-art platform for simpleand secure development and performance of multichannel bankingoperations.

GloballyEXCHANGE

COMPANY PROFILE 33

HR ENG

autorizacije transakcijaputem meunarodnih mreæa

transaction authorizationvia international netwoks

Othernetwork in

CroatiaMBNETnetwork

Network A(abroad)

M

A

Terminal

TerminalNetwork B(abroad)

Internationalnetwork

MasterCard, Visa,Amex, Diners

International network - Meunarodna mreæaNetwork A (abroad) - mreæa A (inozemstvo)

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

Other network in Croatia - Druga mreæa u Hrvatskoj

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

Ëvor meunarodne mreæe

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

kartica inozemne banke Ëiji se podaci vode u mreæi AA

M

terminal (bankomat, EFTPOS ili plaÊanje putem Interneta)

International network node

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

international bank card managed in network A

Terminal (ATM, EFTPOS or payment through Internet)

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

A

M

TECHNOLOGYALWAYS PURSUIT the

COMPANY PROFILE 35

HR ENG

MBePAY - plaÊanjekarticama putem Interneta

MBePAY - Internet card payment

leasedchannel

InternetPaymentGateway

Internet(SSL)

Web merchant

Web merchant

E-paymentprovider

AuthorizationSystem

ACS

VPOS

MBU

web merchant - web trgovac leased channel - zakupljeni kanal Authorization system - autorizacijski sustav

Rast broja Internet korisnika potiËe razvoj e-trgovine i sukladno tomujavlja se interes trgovaca za prihvat platnih kartica prilikom plaÊanjaputem Interneta. Da bi se potaklo povjerenje kupaca za plaÊanjekarticama putem Interneta, potrebno je razviti sustave plaÊanja kojiostvaruju sigurno povezivanje trgovaca, kupaca i financijskih institucijaputem Interneta.

MBePAY - Internet payment gateway je sustav za on-line plaÊanjebankovnim karticama na Internetu sa autorizacijom transakcija urealnom vremenu. Kroz MBePAY sustav trgovci su povezani nameunarodne mreæe autorizacije transakcija kartiËnog plaÊanja. SustavjamËi sigurnost, autentiËnost i povjerljivost podataka korisnika karticedok na Internetu plaÊa karticom.

MBePAY omoguÊuje prihvat MBCARD Ëip kartica s PIN-om. TakavnaËin plaÊanja pruæa moguÊnost plaÊanja karticom putem InternetakoristeÊi se istim PIN-om kojim se koristi na bankomatima, πto klijentubanke pruæa dodatnu praktiËnu vrijednost za jednostavno i sigurnoobavljanje transakcije putem Interneta.

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

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

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

COMPANY PROFILE 36

HR ENGPrema MasterCard-u i VISA-i Ëip kartica s ËitaËem Ëip kartice se ucijelosti uklapa u njihovo rjeπenje CAP (Chip Authentication Program)namjenjeno za e-poslovanje na Internetu s EMV Ëip karticama icertificiranim ËitaËima kartica.

Pored plaÊanja na internetu, MBePAY terminal se moæe koristiti za:· PlaÊanja mobilnim telefonom - za korisnike MBCARD i MasterCardkartica.· MOTO (Mail Order/Telephone Order) plaÊanja· PlaÊanja GSM operateru

According to MasterCard and Visa, chip cards with chip cardreaders comply with their CAP (Chip Authentication Program)intended for e-business on Internet with EMV chip cards andcertified 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

COMPANY PROFILE 37

HR ENG

autentikacija na Internetu Internet authentication

Internet(SSL)

MBU

Authenticationsystem

Web interface

2 3

Client

Bank nProtected services

Bank 2Protected services

Bank 1Protected services

1 4

1 2

3 4

client - klijentbank, protected services - banka, πtiÊeni servisi

web interface - web suËeljeauthentication system - sustav za autentikaciju

Internet i telefonsko bankarstvo i drugi javni servisi banaka zahtijevajupouzdan proces autentikacije korisnika. U cilju poveÊanja sigurnosti,dosadaπnji naËini autentikacije temeljeni na korisniËkom imenu istatiËnoj lozinci zamjenjuju se jednokratnom promjenjivom lozinkom,koja se izraËunava pomoÊu tokena ili Ëip kartice. MBU je razvio i integrirao sustav za autentikaciju koji omoguÊujebankama siguran i jednostavan, te lako primjenjiv sustav zaπtiteaplikacija Internet i telefonskog bankarstva. Sustav se temelji naËip kartici, a uz autentikaciju omoguÊuje i digitalni potpis transakcije.Dodatno, za generiranje jednokratne lozinke i digitalnog potpisamogu se koristiti i samostalni tokeni, te GSM ureaji sa aplikacijomna SIM kartici.

1. Klijent pristupa aplikaciji Internet bankarstva2. Banka preusmjerava provjeru klijenta na sustav za autentikaciju u MBU3. MBU banci potvruje autentiËnost klijenta4. Banka dopuπta pristup i prijavu klijenta

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

1. The client accesses the Internet banking application2. The bank redirects client verification to the MBU authentication system3. MBU confirms the client’s idenity for the bank4. The bank permits client access and log-in

COMPANY PROFILE 38

HR ENGSustav za autentikaciju je izveden kao centralni sustav kojem sepristupa preko javne Internet mreæe ili zakupljenog kanala, a moæeopsluæivati viπe banaka ili klijenata, odnosno web aplikacija. Sastojise od Ëip kartice i ËitaËa Ëip kartice za generiranje jednokratnelozinke, centralnog sigurnosnog servera za verifikaciju i πtiÊenihbankovnih servisa. Zahtjev klijenta za prijavu na neki od bankovnihservisa preusmjerava se na autorizacijski sustav MBU-a. Nakonuspeπne autorizacije, sustav proslijeuje odgovor serveru banke iklijentu se dopuπta pristup. Na isti naËin se vrπi i provjera ispravnostidigitalnog potpisa, nakon koje se, ovisno o odgovoru, nalog izvrπavaili odbija.Izdavanjem EMV Ëip kartice koriπtenjem ËitaËa Ëip kartice i sustavaza generiranje jednokratne lozinke i digitalnog potpisa, omoguÊenoje koriπtenje jednog jedinog PIN-a za obavljanje transakcija sbankom putem bilo kojeg kanala viπekanalnog bankarstva. Timezapravo moto “jednom Ëip karticom s jednim PIN-om do bankarskeusluge bilo gdje, bilo kada i bilo kako” postaje stvarnost zahvaljujuÊirazvijenom telefonskom i Internet bankarstvu, uslugama nabankomatima i elektroniËkom plaÊanju na prodajnim mjestima sEFTPOS terminalima.

The authentication system is set up as a central system accessedthrough the public Internet network or leased channels, and canserve several banks, clients or Web applications. It consists of chipcards and chip card reader to generate single-use passwords, acentral security server for verification, and protected bank services.The client’s request to access any of the banking services isredirected to the MBU authorization system. After successfulauthorization, the system forwards the bank server’s response tothe client and permits access. The accuracy of the digitalsignature is verified in the same manner, after which the order iseither carried out or rejected depending on the response.Issuing of EMV chip cards by use of chip card readers and systemsto generate single-use passwords and digital signatures facilitatesthe use of a single PIN to conduct transactions with a bank in anychannel of multichannel banking. Thus, the slogan “one chip cardwith one PIN for banking services anywhere, anytime and anyhow”is actually becoming a reality thanks to developed telephone andInternet banking, ATM services and electronic payment at retailoutlets with EFTPOS terminals.

COMPANY PROFILE 39

HR ENG

MBSMS MBSMS

data trensferBank 1

SMSserver

MBU

Bank N

dat

a tr

ansf

er

MBSMS

MBNETDB

mobile operator

SMSreceiving

anddistribution

system

leas

edch

anne

l

User 1

User N

Data transfer - prijenos podatakaLeased channel - zakupljeni kanalMobile operator - mobilni operater

SMS server - SMS posluæiteljSMS receiving and distribution system - sustav zaprihvat i distribuciju SMS poruka

User - korisnik

U trenutku uvoenja SMS (Short Message Service) usluge nitinajveÊi optimisti nisu mogli predvidjeti masovnost koriπtenja te usluge.Danas SMS i aplikacije zasnovane na SMS-u predstavljaju vrlo atraktivandio poslovanja mobilnih operatora. MBU je uvidio taj potencijal i uveou funkciju sustav koji je nazvan MBSMS.

U osnovi MBSMS je uveden za obavjeπtavanje korisnika kartica oobavljenim autorizacijama u svrhu ranog otkrivanja potencijalne zlorabekartice.

MBSMS usluga temelji se na izdvajanju autorizacije s autorizacijskogsustava u trenutku njihovog nastajanja i njihovoj isporuci GSM operateru.Svaka transakcija se uparuje s kontakt podacima korisnikakartice/MBSMS-a te im se πalje SMS obavijest o obavljenoj transakciji.

MBSMS je razvijen u vrlo fleksibilan sustav koji omoguÊava distribucijuinformacija bez ograniËenja πto uvelike olakπava razvoj novih usluga.PoËetni skup usluga MBSMS omoguÊava bankama slanje informacija

When SMS (Short Message Service) was introduced, not even thegreatest optimists could have foreseen today’s mass use of the service.Today SMS and SMS-based applications are a very attractive part ofoperations for mobile operators. The MBU has perceived this potentialand put into function a service known as MBSMS.

Basically, MBSMS was introduced to inform cardholders of completedauthorizations with the goal of early detection of potential card misuse.

MBSMS service singles out authorizations from Authorization systemat the moment the authorization is made and delivers it to GSMprovider. Each transaction is matched with cardholder/MBSMS userdata and SMS notification about transactions is sent.

MBSMS has been developed as a very flexible system that facilitatesthe distribution of information without limitation, which creates thebasis for the easier development of new services. The initial group ofMBSMS services makes it possible for banks to send information on

COMPANY PROFILE 40

HR ENGo obavljenim transakcijama i promjenama stanja na raËunu. Uspjeπnakomunikacija nije jednostrane prirode, pa iz toga razloga sustav jedizajniran tako da i klijenti banaka mogu slati razne upite putem SMS-a na koje Êe dobiti odgovore od MBSMS sustava. Na ovaj naËin klijentikoji ne æele dobivati redovite obavijesti o koriπtenju njihove karticemogu to napraviti onoga trenutka kada za to imaju æelju ili potrebu.

Takoer, banke mogu koristiti MBSMS usluge za slanje obavijestiproizvoljnog oblika (marketinπki tekst, obavijesti o kreditu, obavijestio stanju raËuna itd).

completed transactions and changes in the balance of accounts.Successful communication is not only one-way, so the system isdesigned to allow clients to send various queries by SMS to receiveresponses from the MBSMS system. In this manner, clients who donot want to receive regular notifications on their card use can do sowhenever they want or need.

Also, bank can use MBSMS service to send free form bulk notification(marketing text, loan notifications, account balance notifications etc).

COMPANY PROFILE 41

upravljanje resursima bankomataoglaπavanje na bankomatima

ATM Resource ManagementATM advertising

HR ENGUsluga Upravljanje Resursima Bankomata objedinjuje sve uslugekoje se na bankomatima mogu obavljati s udaljene centralne lokacije,a koje su dosad obavljane od strane djelatnika banke ili eksternihorganizacija. Ova usluga omoguÊava banci prihvat bankomatskogelektroniËkog dnevnika, postavljanje marketinπkih poruka na banko-matima, software management, patch management, prihvat/slanjebankomatskih datoteka i pokretanje komandi na daljinu.

Ekran bankomata idealan je oglasni prostor, jer je paænja korisnikauvijek fokusirana na njegov sadræaj. Isto vrijedi i za listiÊ potvrde oizvrπenoj transakciji koji se izdaje na zahtjev korisnika. Na bankomatimau MBNET-u implementirane su posebne funkcije za rukovanje slikama.Svaka banka moæe, neovisno o MBU-u i drugim bankama, definiratislike i poruke, te ih vrlo jednostavnim postupkom instalirati na svojebankomate. Vrsta oglaπavanja moæe se prilagoditi lokaciji na kojoj sebankomat nalazi, Ëime se otvara i moguÊnost iznajmljivanja oglasnogprostora.

ATM Resource Management combines all ATM services which canbe provided from remote central location, and till now have beenmade by bank employees or external organizations. This serviceenables to bank: ATM journal retrieval, ATM advertising, ATM softwaremanagement, ATM patch management, data on demand and ATMremote control.

ATM screens are an ideal advertising space, because the attentionof users is always focused on its content. The same is true of transactionreceipts issued at the user’s request. At MBNET ATMs, special functionshave been implemented to handle the images that will be displayedon the screen. Each bank can define these images and messagesindependently of the MBU and other banks, and install them in itsATMs using a very simple procedure. The type of advertising can beadapted to the ATM’s location, opening up the possibility of sellingthe ad space.

ResultsACQUIRE PREMIUM

COMPANY PROFILE 43

HR ENGMBU podræava uslugu obroËnog plaÊanja na EFTPOS terminalima zaMBCARD, Maestro i VISA kartice. Banka moæe koristiti uslugu kaoizdavatelj i/ili prihvatitelj, pri Ëemu autorizacijski sustav provjeravadefinirane ugovorne odnose izmeu banke izdavatelja i bankeprihvatitelja.

Postupak provoenja transakcije obroËnog plaÊanja zapoËinjetransakcijom kartice na terminalu banke prihvatitelja koja ima definiraneodnose sa bankom izdavateljem. Obje banke trebaju podræavati usluguobroËnog plaÊanja, te definirati ugovorne odnose i maksimalni dopuπtenibroj rata. Banka izdavatelj kontrolira kreditni rizik korisnika kartice iograniËava moguÊe zaduæenje dodatnim kreditnim raËunom uzpostojeÊi debitni raËun. Stanje kreditnog raËuna definira maksimalniukupni iznos kreditnog zaduæenja i banka ga πalje u MBU standardnimnaËinom razmjene podataka i raËunima.

Ova usluga omoguÊuje kvalitetnu i fleksibilnu uslugu banke premaklijentu, te jednostavnost upravljanja kreditnim rizikom i zaduæenjimaklijenata.

MBU supports instalment payment at EFTPOS terminals for MBCARD,Maestro and VISA cards. Bank can use this service as Issuer and/orAcquirer. Authorization system checks contractual relationship betweenIssuing and Acquiring bank.

Instalment payment transaction starts with transaction at Acquiringbank terminal which has contract with Issuing bank. Both banks haveto support instalment payment, define mutul relations and maximumnumber of allowed instalments. Issuing bank controls cardholdercredit risk and limits cardholder indebtedness with additional creditaccount to existing debit account. Balance on additional credit accountdefines maximal total credit indebtedness which bank sends to MBUusing standard exchange methods.

This service enables to the bank possibility to give its customer qualityand flexible service, and easy way of managing credit risk and clientdebts.

obroËno plaÊanje instalment payment

endlesspossibilities

imagine

COMPANY PROFILE 45

prodaja bonovana bankomatima

vouchers saleon ATMs

HR ENGMBU je razvio tehniËko rjeπenje za prodaju bonova za MBCARDi sve MasterCard i VISA produkte na bankomatima u MBNET-u.Korisnik unosi PIN, odabire vrstu i vrijednost bona, te nakonodobrenja transakcije dobija bon ispisan na listiÊu potvrde.Na centralnom raËunalu MBU moguÊe je definirati vrste bonovakoje bankomati pojedine banke prodaju i vrste kartica s kojima jebonove moguÊe kupiti, ovisno o ugovornim odnosima banaka,isporuËitelja bonova i kartiËnih organizacija. Bez obzira na vrstukartice, korisnik plaÊa iznos jednak vrijednosti bona, bez dodatnihnaknada.

U skladu sa standardima prihvaÊenim u MBU, posebna paænjaposveÊena je osiguravanju visoke kvalitete ove usluge. PosebnostMBU-ovog rjeπenja je funkcija besplatnog ispisa zadnjeg kupljenogbona na bilo kojem bankomatu u MBNET-u, Ëime je broj reklamacijasveden na najmanju moguÊu mjeru.

Rjeπenje je upotrebljivo, osim za prodaju bonova GSM i VOIPoperatera, i za prodaju drugih vrsta bonova sa aktivacijskim kodom.

The MBU has developed a technical solution for the sale of vouchersat 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 voucherprinted on a receipt slip. The MBU’s central computer can definethe types of vouchers the ATMs of individual banks sell and thetype of cards that can be used to purchase vouchers, dependingon the contractual relations between the banks, the voucher providerand the card organization. Regardless of the card type, the userpays an amount that is equal to the voucher’s value without anyadditional fees.

In line with the MBU’s accepted standards, particular attentionhas been dedicated to ensuring a high level of service quality.A special aspect of the MBU’s solution is the free print-out of thelast purchased voucher at any MBNET ATM, reducing the numberof 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 withactivation code.

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MOTION

COMPANY PROFILE 47

procesiranje kartica card processing

HR ENGMBU pored neprekidnog rada na unaprijeenju tehnoloπke razinei kvalitete procesiranja transakcija, razvio je i uveo u funkciju grupuusluga procesiranja kartiËnih proizvoda u svrhu pruæanja bankamakompletne podrπke u kartiËnom poslovanju omoguÊujuÊi bankamada teæiπte svoje aktivnosti usmjere na izbor najpovoljnijih proizvodeza svoje klijente, na marketing i na træiπno nadmetanje. Osnovneusluge iz tog podruËja su:

Voenje kreditnih kartica - MBU bankama pruæa uslugu cjelovitogvoenja kreditne kartice od generiranja kartice, pripremepersonalizacijskih podataka i njihova dostava u personalizacijskicentar, prihvat i obrada transakcija, obraËun naknada i kamata,priprema izvoda te razmjena podataka s bankom. Koriπtenjem oveusluge banka nema potrebe implementirati kod sebe sustav zavoenje kreditnih kartica, veÊ samo suËelje prema vlastitominformacijskom sustavu.

Voenje reklamacijskih postupaka - Reklamacijski postupci premadrugim bankama Ëlanicama VISA-e i MasterCard-a sloæeni su,dugotrajni i financijski riziËni poslovi. Ekspertiza u tom podruËjuje viπestruko organizacijski i financijski zahtjevna zbog Ëega je iizuzetno skupa za one banke koje nemaju kritiËnu masu kartica izahtjeva. MBU pored ostalih nudi i ovu uslugu za sve one karticekoje vodi u svom sustavu.

Besides ongoing efforts to improve the technology and transactionprocessing quality, MBU has also developed and put into operationa group of card product processing services with the aim of offeringbanks comprehensive support in card operations, thereby makingit possible for banks to focus their activities on selection of the bestproducts for their clients, marketing and competition. The basicservices in this field are:

Credit card management - MBU provides banks with comprehensivecredit card management services, from generation of cards,preparation of personalization data and their delivery to thepersonalization center, to receiving and processing of transactions,computation of fees and interest, preparation of statements andexchange of data with the bank. By using these services, bankshave need not implement credit card management systems of theirown. All they need to do is create an interface with their own ITsystems.

Refund procedure management - Refund procedures involvingother Visa and MasterCard member banks are complex, time-consuming and financially risky operations. Expertise in this fieldis quite demanding, both organizationally and financially, which iswhy it is exceptionally expensive for those banks that have notachieved that critical mass between cards and demand. MBUadditionally offers this service for all cards managed in this system.

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nadzor kartiËne prijevare card fraud monitoring

COMPANY PROFILE 49

HR ENGOtkrivanje kartiËne prijevare - Obveze koje banke imaju premameunarodnim kartiËnim organizacijama i politika smanjenja rizikabanaka u kartiËnom poslovanju upuÊuju nuæno na uspostavu posebnogoblika nadzora odvijanja transakcija u svrhu πto ranijeg otkrivanja iprevencije kartiËne prijevare. MBU je opremljen certificiranimsuvremenim i visoko kvalitetnim sustavom za otkrivanje kartiËneprijevare te ekipiran i osposobljen za pruæanje usluge otkrivanja, analizei prevencije kartiËne prijevare. Obzirom da je MBU u srediπtu odvijanjatransakcija logiËno je da je to ujedno i optimalna lokacija za upravljanjerizikom kod kartiËne prijevare za viπe banaka uz najniæi investicijski ioperativni napor u odnosu da taj posao obavljaju pojedinaËno same.

»itava koncepcija nadzora kartiËne prijevare zasniva se naprepoznavanju uzoraka. Kada se prepozna riziËna transakcija iduÊikorak je kontaktirati klijenta i ustanoviti da li je zaista u pitanju prijevaraili laæna uzbuna.

MBU je prepoznao potrebu da svojim Ëlanicama ponudi nadzorkartiËne prijevare na sljedeÊe naËine:

- Administracija - ukljuËuje voenje sustava, administriranje pravilai sve ostale radnje potrebne da bi se uspostavila osnovnafunkcionalnost sustava- Udaljeni ekran - omoguÊava analitiËaru u banci da u realnomvremenu vidi upozorenja i pravovremeno kontaktira klijenta- AnalitiËari u MBU - omoguÊava banci da posao praÊenjaupozorenja i kontaktiranja klijenata prebaci na MBU te budeupozorena samo u sluËaju da se sluËaj prijevare potvrdi.

Card fraud detection - The obligations of banks to international cardorganizations and the policy of reducing bank risks in card operationsemphasize the need to establish a special form of transaction supervisionto facilitate the earliest possible detection and prevention of card fraud.MBU is equipped with a certified, modern and high-quality card frauddetection system, staffed and capable of providing services such asdetection, analysis and prevention of card fraud. Since MBU servesas a transaction hub, it is logically the optimum location to managecard fraud risks for a number of banks, since investment cost andoperative effort are the lowest, as opposed to each bank doing soindividually.

Card fraud monitoring is based on pattern identification. When risktransaction is recognized the next step is to contact the client andestablish whether the transaction is really fraudulent or it is a falsealarm.

MBU recognized the need to offer this service to banks in the followingway:

- Administration - includes: system management, rules administrationand all other actions necessary to establish base system functionality.- Remote screen - enables bank analyst to see alerts in near realtime and to contact the cardholder in time.- MBU Analysts - MBU instead of bank processes the alerts andcontacts the cardholder if needed. Bank is informed just in casewhen the fraud occurs.

COMPANY PROFILE 50

HR ENGCentar za podrπku korisnicima - U svakodnevnom poslovanju bankeimaju potrebu obavljati razliËite aktivnosti po svojim karticama, banko-matima i EFTPOS ureajima, od jednostavnog blokiranja kartice dovrlo sloæenih zahvata. MBU, kako bi kvalitetno podræao svoje klijenteu obavljanju navedenih aktivnosti izgradio je i uveo u funkciju suvremenuplatformu Help Desk On-Line na kojoj je uspostavio suvremeni Centarza podrπku korisnicima kojemu se moæe pristupiti putem viπe kanala(telefon, fax, web). Razina usluge koju MBU pruæa putem svog Centraza podrπku korisnicima je iznad industrijskih standarda za takve usluge.

Prednost postavljanja zahtjeva putem weba je u cijeni usluge koja jeniæa od cijene usluge po ostalim zahtjevima, veÊoj sigurnosti podatakau zahtjevu, maksimalno pojednostavljenoj proceduri praÊenja zahtjevate jednostavnost izrade potrebnih izvjeπtaja. Od trenutka zadavanjado konaËnog rjeπenja zahtjeva aplikacija biljeæi kada je zahjev predan,tko ga je predao, tko ga je i kada preuzeo, kome je zahtjev proslijeeni konaËno, u trenutku kada je zahtjev rijeπen biljeæi se tko je zadatakrijeπio uz obavezno pojaπnjenje rjeπenja.

Customer Support Center - In their everyday operations, banks needto perform various activities involving their cards, ATMs and EFTPOSterminals, from simple card blocking to very complex tasks. To providequality support to its clients when performing these activities, MBUhas developed and made operational its Help Desk On-line, whereit has established its modern Customer Support Center, which can beaccessed either by phone, fax or the Internet. The level of servicesthat MBU offers through its Customer Support Center is well abovethe industry standard for such services.

The advantage of sending requests via web is: the price is lower thanfor other channels, data security in request is higher, the procedureof tracking the requests is easier and simplicity of creating neededreports. From the moment of entering the request till closing, theapplication tracks who entered the request, when it was acceptedand by who, to whom the request was forwarded. Finally in the momentof closing, it is tracked who and when solved the request with solutionexplanation enclosed.

podrπka korisnicima customer support

COMPANY PROFILE 51

HR ENG

sustav kontrole rizika - SKOR SKOR - risk control system

SKOR

Sender/Recipient

Sender/Recipient

Recipient

Recipient

CroatianPost Office User N

User 1Domesticsettlement

Recipient - preuzimateljSender/Recipient - poπiljatelj/preuzimatelj

User 1 - korisnik 1Croatian Post Office - Hrvatska poπta

User N - korisnik NDomestic settlement - platni promet u zemlji

SKOR je automatizirani sustav razmjene podataka u funkciji kontrolerizika u poslovanju banaka s karticama, Ëekovima i πtednimknjiæicama.SKOR se temelji na informatiËko-komunikacijskoj tehnologiji pomodelu elektroniËke poπte. SKOR je uveden u funkciju 1. listopada1998.g. Njime je zamjenjen bivπi sustav razmjene podataka kojise temeljio na tehnologiji telefaksa.Korisnici SKOR-a su banke i FINA. SKOR podræava razmjenupodataka o ukradenim, izgubljenim i krivotvorenim bankovnimispravama (knjiæice, Ëekovi, kartice) slanjem i preuzimanjem porukau elektroniËkom formatu utvrenim modelom protokola.SKOR osigurava funkciju razmjene poruka na naËin da iste prihvaÊaod ovlaπtenih poπiljatelja i stavlja ih u pretince na raspolaganjeadresiranim preuzimateljima. Korisnici dnevno preuzimaju sadræajiz svojih pretinaca. Sustav biljeæi vrijeme prijema poruka, njihovogsmjeπtaja u pretince i vrijeme preuzimanja.

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

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COMPANY PROFILE 53

MBU ukorak sasvjetskim trendovima

join MBU to keep pacewith world-wide trends

HR ENGMBU je proizvod interesa i volje banaka za napretkom u poslovanjus bankovnim karticama po meunarodnim standardima. Ostvarenjau MBNET-u su izraz poslovne zrelosti i sposobnosti banaka apovjerenje u njegovu pouzdanost i sigurnost su jamstvo buduÊeguspjeha i napretka ukorak sa svjetskim trendovima.Pogodnosti za banke i trgovineKoristeÊi usluge MBU-a banke slijede trendove razvijenog bankar-stva i ostvaruju dobit uz minimalne individualne napore.KoristeÊi usluge MBU-a trgovine ostvaruju veÊi promet, a time iveÊu dobit. Putem MBNET-a se ukljuËuju u globalne sustaveelektroniËkog plaÊanja.Lakπi put do novih tehnologijaMBNET sadræi rjeπenje koje se u praksi potvrdilo kao dobra osnovaza 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 MBUsvojim kvalitetnim radom osigurava bankama visoku kvalitetu uslugadvadesetËetiri sata dnevno, svakog dana u godini, doprinoseÊi timeugledu banaka i zadovoljstvu korisnika usluga u poslovanju skarticama.SigurnostMBU-ov sigurnosni sustav ugraen u MBNET omoguÊuje visokistupanj zaπtite svih sudionika u poslovanju s karticama u realnomi virtualnom svijetu.

MBU has been established as a result of the interest and willingnessof Croatian banks to improve their own card businesses and keeppace with international standards. The accomplishments of MBNETprove the business maturity and competence of the banks.Confidence in its reliability and security guarantee future successand progress that will keep up with worldwide trends.Advantages for banks and merchantsBy using the services provided by MBU, banks follow trendsprevalent in advanced banking systems and realize profits withminimum individual organizational and funding efforts.By using the services provided by MBU, the merchants increasetheir turnover and, consequently, their profits. MBU integratesthem into a global system of electronic payments via MBNET.An easier way towards state-of-the-art technologies MBNET founda solution which has proven to be sound basis for development inpractice:- 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 qualityMBU contributes to enhancing the reputation of banks and thequality of their services by providing high quality service 24 hoursa day, 365 days a year.SecurityMBU’s security system built into the MBNET provides a high levelof security in real and virtual world.

LOOKING UPALWAYS

COMPANY PROFILE 55

MBNET pregledaktivnosti 1996-2006

MBNET activity review1996-2006

HR ENGËcash withdrowal - podizanje gotovine

18000000

16000000

14000000

12000000

10000000

8000000

6000000

4000000

2000000

0

MBNET terminals /// terminali u MBNET-u

Ë

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

EFTPOSATMs - bankomati

4000

3500

3000

2500

2000

1500

1000

500

0

Ë

cards - kartice

1200000

1100000

1000000

900000

800000

700000

600000

500000

400000

300000

200000

100000

0

payments - plaÊanja

4000000

3500000

3000000

2500000

2000000

1500000

1000000

500000

0

cards /// kartice

Ë

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

20001999199819971996 2001 2002 2003 2004 2005 2006

20001999199819971996 2001 2002 2003 2004 2005 2006200420001999199819971996 2001 2002 2003 2005 2006

20001999199819971996 20032002 20042001 2005 2006

COMPANY PROFILE 56

MBU d.o.o.za informatiËki inæinjeringi meubankarske usluge

Andrije Æaje 6110000 Zagrebtel. 01/4803 666fax. 01/3049 346e-mail: info@mbu.hrwww.mbu.hr

Tekst pripremili djelatnicii suradnici MBU d.o.o.Oblikovanje:Tisak: KratisNaklada: 600Zagreb, 2007.

MBU LtdIT engineeringand interbanking services

Andrije Æaje 6110000 Zagrebtel. ++385 (0)1 4803 666fax. ++385 (0)1 3049 346e-mail: info@mbu.hrwww.mbu.hr

Text: MBU Ltd specialistsand associate consultantsDesign:Press: KratisEdition: 600Zagreb, 2007.

MBU d.o.o.

HR ENG