prognosis 2

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ACI Payment Service Management

Solution Selling Deck –Training Session 2 Presentation for internal use only

Agenda

• The competition - who they are and how do we differentiate against them

• The partnership between ACI and IR

• Internal and external resources

• How to price it

• Success cases we can use as reference

• Appendix

4 September, 2012 Confidential 2

The Competition Outlook

Myth – Prognosis products are only for BASE24

4 16 February 2011

Confidential 9/4/2012 4 Confidential

•This is untrue because:

• PSM is available for BASE24 and BASE24-eps

• PSM is available for Proactive Risk Manager (PRM)

• PSM is available for Money Transfer System (MTS)

• PSM is available for Postilion

• PSM will be available for Retail Commerce Server (RCS) and other ACI

solutions

Prognosis can only be used with BASE24 “classic”

PSM – Against the competition

5 16 February 2011

Confidential 9/4/2012 5 Confidential

Company Product Real-time info

Built for ACI

Easy UI customization

Live/Historic Comparison

Simultaneous Monitoring

Developed for Payments

Monitors PRM and MTS

ACI PSM

ESQ ATM/POS Transaction Analyzer

Insider Technologies

Reflex 80:20

NCR Aptra Vision/ Gasper

Wincor Nixdorf

Proview

IBM Tivoli

HP Operations (Openview)

Competition – A little deeper

6 16 February 2011

Confidential

Competitor Comparison

9/4/2012 6 Confidential

Company Product Key Market Strengths Weaknesses

ESQ ATM/POS Transaction Analyzer

BASE24 customers Attractive Dashboards

Difficult to Customize UI No troubleshooting ability No Real-time data drill down

Insider Technologies

Reflex 80:20 BASE24 customers

High level of functionality

Rudimentary, hard coded UI Multiple data views not supported

NCR Aptra Vision/ Gasper

BASE24-atm, BASE24-eps ATM Customers

Number 1 ATM monitoring

Attached to a single vendor Complex customization Difficult to implement

Wincor Nixdorf Proview BASE24-atm, BASE24-eps ATM Customers

Tight integration with Wincor Nixdorf ATMs

Attached to a single vendor Complex customization Difficult to implement

IBM Tivoli BASE24-eps on IBM platforms

Out of the box best practices

Aimed at small & mid size companies

HP Operations (Openview)

HP NonStop Solid infrastructure manager

HP provides a cobbled solution for ACI customers, Openview is a part of this

The ACI/IR Partnership – what does it mean to you and where to find help

In the Details

Prognosis revenue is split between ACI and IR as follows:

• License: 45/55 (ACI/IR)

• Maintenance: 45/55 (ACI/IR)

• Services: the company that performs the services receives 90%, the other

receives 10%

• Preferred pricing method is PUF

• Pricing below 75% ILF may not be approved

Signing the contract on ACI paper (preferred method):

• Services estimates are completed by ACI staff with input from IR

• Level 1 support calls are handled by ACI (24h support across the world)

• One vendor for all the customer’s contracts, one customer manager

• Sales are compensated on 100% of the contract

• ACI receives maintenance revenue

Signing the contract on IR paper

• Sales compensation is only calculated on the 45% that ACI receives from the

license

• ACI does not receive maintenance revenue


Where to Go for Help – ACI

Within ACI:

• Product / Partnership / Pricing questions: Marina Brown

• Services: Work with your local services representatives. Any questions they

may have will be worked out with their US counterparts and IR, before

proposing final bid to the customer

• Marketing: Michael Grillo and the following resources:

• ACI Communities (Prognosis)

• Salesforce.com

• Documentation - Infolink


Where to Go for Help - IR

Your IR counterparts:


César Pizarro Territory Manager, Américas Integrated Research t: +1 (303) 390 8758 f: +1 (303) 390 8777 e: [email protected]

Jay Horton Director - Key Accounts Integrated Research t: +1 303 390 8712 c: +1 303 324 3099 e: [email protected]

tel:+1 (303) 390 8758

tel:+1 (303) 390 8777

mailto:[email protected]

tel:+1 303 390 8712

tel:+1 303 324 3099

mailto:[email protected]

Prognosis Pricing

Payment Infrastructure Solutions

Retail Banking

Wholesale Banking

Fraud

Payment Testing

ASSET for BASE24/BASE24-eps

ASSET for PRM

Payment Communications

Communication Services

(ICE/ICE-XS)


(ICE/ICE-XS)


(ICE/ICE-XS)

Web Access Services (WebGate)



Enterprise Security Services (SafeTGate)



High Availability GoldenGate GoldenGate

Payment Service Management

Prognosis for BASE24/BASE24-eps

Prognosis for MTS

Prognosis for PRM

Mobile

Mobile Payment Alerting

Mobile Fraud Alerting

Token Manager for Mobile

4 September 2012 12 Confidential

PST Enhancements for Infrastructure Cross-Sell

• In order to increase the

cross-sell ratio between

core ACI products and its

Infrastructure supporting

products, ACI automated

the cross-sell process within

the PST.

• When selecting BASE24-

eps, PRM or MTS in the PST,

ASSET and PSM modules

are automatically added

• They can be removed, but if

removed, a dialog box will

appear requiring entry of

reason why ASSET or PSM

was removed.

4 September 2012 Confidential 13

Note: Upcoming changes of PST to Salesforce pricing not reflected here

The Prognosis Pricing Process in the PST

9 May 2011 Confidential 14

Bundles for BASE24 and BASE24-eps

support.

Currently DEG based pricing. Planned

transition to transaction based pricing

for Transaction Insight and ATM Manager

Bundles for PRM support. Tiered

pricing, based on the total number of

PRM active accounts (if a customer has

Debit, Credit, AML, etc – take the total of

all accounts monitored).

Pricing based on currently available

PRM account report.

Individual Prognosis modules. Only

available for existing Prognosis

customers and if additional needs are not

covered by bundled products

User Stories

ACI Prognosis Wins

$2MM

$41,000

$84,000

$209,000

$500,000

$400,000 These wins

are all SNET!!

http://www.sia.eu/Engine/RAServePG.php/P/250010010303

USER Stories

Complete User Cases Attached in Appendix of this Presentation:

• ANZ

• TSYS

• Speedway

• Cedicam

• Scotia


Apendix USER CASES

4 September 2012 18 Confidential

User Experience

ACI Payment Service Management powered by Prognosis

ANZ Presentation for ACE America 2011

20

About ANZ

Among top four Retail banks in Australia.

Top ten listed company on the ASX.

The largest company in New Zealand by assets.

The largest Australian bank in Asia.

Providing a range of banking and financial products and services to

more than 5.7 million Retail customers, over 300,000

Commercial customers and in excess of 12,000 customers who

use Institutional products.

Employing more than 40,000 people worldwide.

21

Transaction Insight

• Transaction Insight provides complete insight into transaction performance,

availability and response time both real-time and historically.

• There are two analysis engines included, a grouping/statistical engine and a rules

engine.

• The grouping engine provides statistical views of the real-time transaction data

across multiple dimensions. The views can be used to detect and resolve

transaction processing problems such as excessive response times, denials,

reversals and stand-ins across any dimension including the card issuer, card BIN

and terminal.

• They can also be used to maximize business performance and profitability by

reporting volumes, response times, average transaction values, total transaction

value etc. across any dimensions including merchant, interchange partner,

terminal and entire network.

• The rules engine can catch transactions that meet user defined criteria, including

operational problems, issues affecting customers, or fraudulent transaction

activity.

• When an exception occurs, the transaction is instantly forwarded to the relevant

business group for immediate action or further investigation.

22

Scope of Monitoring

POS Devices ATM’s Transaction input

Multiple Communication Carriers

23

GUI Benefits

Key Benefits of a GUI Interface

•Information is available via a single screen

•Data can limited based on job requirements (i.e. Tailored Web View for POS and ATM’s areas)

•Reduces the needs to run system commands to establish system health and availability

•Increases audience scope

24

ATM & POS Monitoring

Key Benefits for monitoring

•Ability to monitor in real time for BASE24 POS / ATM transactional events

•Ability to monitor in real time for ATM / POS approval and declines rates

•Impacts are seen in a time flow sequence – which allows for faster diagnostics of

events when incidents are experienced

• Minimises the requirement to run BASE24 commands against production machines to

establish approval rates and application health checks

25

Post Change Monitoring

Key benefits post change

•Stream lined views to establish success of the change

•View can built in advance to perform post change verification

•Decline and approval codes can be assessed in real-time to minimise business days

impacts

26

Denied Transaction Analysis

Key Benefits for analysing declined transactions

• Whether its being declined at an issuer or acquirer level

• Reasons behind decline to be able to establish root cause of issue

• Establish stand in criteria and amounts

27

Interchange Diagnostics

Key benefits of interchange Monitoring

•Interchange availability and performance is available at a single glance

•Performance is tracked across three distinct timeframe which can be scaled (e.g. Aprv %

set at 10:00 Aprv %1 set at 10:05 Aprv %2 set at 10:02

•Volumes can trigger threshold alerts based on known transaction expectations

28

Drill down Capabilities

Benefits of drill down capabilities

•Investigate down to a BIN level

•Analyse at a granular level – calls are normally generic in nature and the further details

that cab sourced improve restoration timeframes

•Fraud attempts can be monitored and addressed

29

Time Frame Comparison

Key Benefits of Time Frame comparison

•The ability to trace back to when an event happened – this minimises investigation

timeframes as there is a logical start point

•Compare approval and decline rates to a defined period to establish trends

•Time comparison is a scalable field which can be tailored per view

User Experience


13 April 2011 Confidential 30

Bill Logan – presentation for ACE America 2011

TSYS

About TSYS

• The worlds largest 3rd party processor of association-branded cards

(Visa, MasterCard, Discover, American Express)

• Process over 350 Million accounts.

• Perform over 7.1 Billion authorizations each year

• Peak volumes of over 1240 transactions per second

©2011Total System Services, Inc.® Confidential and proprietary. All rights reserved worldwide.

31

How TSYS Utilizes Prognosis

Here are the items we will cover

1. How we use the out-of-the-box tools to monitor our systems

2. How we have developed additional tools using the Advanced

Development Interface


32


Prognosis Modules TSYS Uses

1. Performance Manager

2. Disk Manager

3. Automated Operations

4. Automated Analyst

5. Application Development Interface


33



34


Out Of The Box Monitoring:

• CPU Utilization

• Process Utilization

• Disk Space

• Disk I/O

• TMF Transactions

• Pathway Configurations

• Spooler Utilization

• Database Replays


35



36

Application Development Interface

• Monitor Base24 logs

• Integrate transaction data with system resource data to provide capacity

planning reports

• Monitor authorizations, generate alerts when a threshold has been

reached of transactions not authorized on the primary node.

• Import NDM data and provide reports of transmissions

• Extractor / Replicator Monitoring



37

Prognosis Relationship

• Integrated Research has truly partnered with TSYS.

• Listened to our suggestions and created enhancements to the software

based on them.

• Provided to support to us and helped resolve issues with other vendors

products.

User Experience



Robbin Gaugler

Credit Analyst/Technical Liaison

PRESENTATION FOR ACE AMERICA 2011

Speedway LLC

About Speedway

• Speedway has 1300 convenience stores and manages credit

for 250 others

• Speedway processes proprietary fleet and prepaid cards as

well as bank and fleet cards on Base 24

• Processes over 60M transactions per month


How Prognosis is used at Speedway

Speedway uses Prognosis as it’s Operator



FBR1622Day Threshold

FBR1622Night Threshold

FBR24Day Threshold

FBR24Night Threshold

FBR815Day Threshold

FBRFranDay Threshold

Fall Back Reporting Database

Customized Code for Monitoring Fallback at our Locations

Prognosis Transaction Surveillance

Populate the user defined fields with total dollar amounts for NAC groups specified

by Speedway.

The following NACS group mapping will be implemented:

USER-FIELD1 FUEL - codes 001-099 + (ptlf.auth.retl^sic^cde '=' "5542“)Outside

purchases only.

USER-FIELD2 TOBACCO - codes 410-419

USER-FIELD3 PREPAID CARD ACTIVATIONS; code 533

USER-FIELD4 GENERAL MERCHANDISE - code 400

USER-FIELD5 GENERAL ALCOHOL - codes 480-489

USER-FIELD6 GENERAL DELI - codes 490-499

USER-FIELD7 GENERAL FOOD SERVICE - codes 500-509

USER-FIELD8 GENERAL DISPENSED BEVERAGE - code 430-439

USER-FIELD9 Future Speedway use.

USER-FIELD10 Reserved for card exclude list flag.


Maintain a list of card numbers that are excluded from TSV rule processing to avoid “false”

triggers.

Proprietary Fleet card Risk Management


TSV for Bank Card Credit



Current Initiatives

BASE24 – POS CARD AUTHORIZATION FILE

(CAF)RECORD UPDATER Speedway requested assistance from Integrated Research to develop a

solution whereby fraudulent card usage will result in automatic card disabling.

The solution will search the Base24-POS CAF (Card Authorization File) for a

specific PAN(Primary Account Number) and disable it so that no further

transactions will be approved by the Base24 Authorization module. The

process can also be executed from a PROGNOSIS Automated Analyst or

Threshold process. This allows Speedway to develop PROGNOSIS TSV rules

that when exceed they can “disable” a PAN number from use, thereby limiting

Speedway’s liability.

Statistical analysis of Fraud Reductions

Bank Credit Card Verified Fraud Summary (Prognosis)

2010 Totals 32% recovered

2011 YTD 35% recovered

04 September 2012 Confidential 46

Charge Backs as a % of Sales - Amount 0.017% 0.018% 0.014%

Charge Backs as a % of Sales - Transactions 0.008% 0.008% 0.009%

2009 2010 2011

www.aciworldwide.com

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