2. PRIVATE & CONFIDENTIAL
Payment Reference Architecture :Agenda
o Payment Outline Architecture
o Payment Reference Architecture Framework
o Payment Architecture Building Blocks
o Payment architecture Reference blocks
o Building block definitions
o Enterprise Payment Transaction hub
o Payment Operation
o Regulatory & Global Compliance hub
o Payment Transaction Data Warehouse
o Business Activity Monitoring
o Reconciliation
o Back Office Accounting services
o Payment Architecture Mapping
o Payment Framework Components
o Payment Capability Reference model
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3. PRIVATE & CONFIDENTIAL
Outline Reference :Payment Architecture
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Interaction layer
User Interfaces & Alliance
Process layer
Business Rules/Process Models/Process
Manager
Enterprise Payment service Bus
Information
layer
Data warehouse
Data models
Events
Reporting
Payment Application services
Rules engine , bulking/de-bulking
Transformation , account look-up/validation
Ledger posting and booking
Accounting system
Liquidity System
Logging
Validation
Auditing
Calendar scheduler
Persistence service
Orchestration
Enrichment
Fee Calculation
BusinessActivityMonitoring
Performanceandavailabilityservices
RepositoryandRegistryservices
Paymentgateways
AMLAndOFACService
Security & Risk servicesAuthentication Audit Access Control
Delivery & Implementation layerDevelopment Delivery Implementation
4. PRIVATE & CONFIDENTIAL
Payment Reference Architecture Framework
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ProductManagement
Retail Online Wholesale Online Host to host ATM Treasury POS IVR Back Office Call Center
Interaction Process and Automation
User Interface | Collaborations |Rules Engine | data Models| Data Transformation
Security Services
Access Security| Authentications | Authorizations | Audit | Fraud management
Message
Interactions Validation Routing
Bulking/
debulking Transformation
Enrichment Repair
State
machine
AML service Scheme
Limits
Fund
Control
Rules
Store
Payment
Store
Deposits
Loans
Treasury
Trade Finance
Mortgages Finance
Policy
Procurement & Administration
Finance
IT
Risk Management
Payment Applications Human Resource
Business Process Management
CoreServices
Business Alerts and Monitoring
External Data
Budgeting & Forecasting
Customer
Marketing
Almanac
Enterprise Payment services Bus
Storage Windows Linux Mainframe CloudWarehouse
Externalgatewayservices
SystemmanagementCommunication
Interaction layer
5. PRIVATE & CONFIDENTIAL
Payment Architecture building blocks
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Retail Online Wholesale Online Host to host ATM Treasury POS IVR Back Office Call Center
Interaction Process and Automation
User Interface | Collaborations |Rules Engine | data Models| Data Transformation
Security Services
Access Security| Authentications | Authorizations | Audit | Fraud management
Message
Interactions Validation Routing
Bulking/
debulking Transformation
Enrichment Repair
State
machine
AML service Scheme
Limits
Fund
Control
Rules
Store
Payment
Store
Deposits
Loans
Treasury
Trade Finance
Mortgages Finance
Policy
Procurement & Administration
Finance
IT
Risk Management
Payment Applications
ProductManagement
Human Resource
Business Process Management
CoreServices Business Alerts and Monitoring
External Data
Budgeting & Forecasting
Customer
Marketing
Almanac
Enterprise Payment services Bus
Storage Windows Linux Mainframe CloudWarehouse
Externalgatewayservices
SystemmanagementCommunication
Interaction layer
Channels
ESB
Products
Risk&Compliance
Security
BPM
BAM
D/W
Infrastructure
Gateway
PaymentEngine
7. PRIVATE & CONFIDENTIAL
Payment Architecture Block Definitions
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Enterprise
Payment Bus
Enterprise Payment Bus is a strategic architecture reference block that provides collection of business and IT
capabilities for end to end Payments life cycle management, where payment refers to all types of transactions
through all the channels and gateways for all the LoBs of the bank. It will deliver standardization, reliability,
performance, throughput, reduced cost per transaction, and flexibility.
Enterprise
Payment
Transaction hub
PAB1
Enterprise payment transaction hub provides the backbone to loosely coupled payment transaction processing systems
enabling agile business change in response to regulations and operating models. It provides capabilities such as
transaction validation and message transformation, enrichment of transaction content for processing, identifying duplicate
transactions, and complex events management to handle transactions.
Payment
Operations
PAB2
Payment Operations enables early detection of exceptions and resolution through case management. It allows
investigation in to enquiries, and exceptions. The case management capability provides the processes to manage
exceptions and prevent propagation to downstream systems leading to higher operational efficiency.
Regulatory &
compliance Hub
PAB3
Regulatory and compliance hub ensures that business policies (e.g., regulatory check) related to different transaction
types are run before the execution of the transactions in addition to managing business rules for sequencing. It reduces a
lot of hard coding and improves configurability by running as a service off the bus. It will extends existing components to
provide a service that will run off the bus to perform financial crime checks.
Payment
Transaction
Data warehouse
PAB4
Payment Transaction Data Services acts as a single source of truth for all transactions processed through Payment Bus
enabling business to query and generate reports by aggregating transaction data. It provides storage and retrieval of
transactions, transaction reference data , operational reporting and archival capabilities.
Business
Activity
Monitoring
PAB5
BAM tracks the transactions as they flow through the Payment bus and processing systems such as engines. It provides
the ability to track the transactions and also create dashboard view for business on each of the transactions.
Reconciliation
PAB6
Reconciliation utility reuses and extends existing components to provide a centralised reconciliation solution across the
transaction processing for all the business units.
Backoffice
Accounting
Service
PAB7
Accounting services is the single entry point to accounting systems through Payment Bus. It provides capabilities such as
account look up, redirection and posting
8. PRIVATE & CONFIDENTIAL
Enterprise Payment Bus
PAB1‐ Enterprise Payment Transaction Hub
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Capability
Provides the infrastructure for end to end management of transaction life cycle leading to reduction in cost of transaction and
improvement in reliability.
Provides central infrastructure to deliver major regulatory projects.
Enables business activity monitoring by creating a central hub through which transactions flow.
Design Characteristics
Provides the backbone for payments processing by enabling inter-connectedness of systems without tight coupling.
Will receive data events from multiple systems through real time, near real time and Batch interfaces.
It facilitates invocation of both internal and external services to process the transactions
It will provide platinum availability and high performance characteristics to ensure scalability of payments transactional services
solution
It de-risks implementation and any changes to its interfacing systems including Engines.
Interfaces
It will provide interfaces for publishing and subscribing events and messages in addition to fine grained services pre-
processing
It will provide interfaces for upstream and downstream systems participating in a payment transaction lifecycle to communicate
with each other in a transparent manner.
It provides interface to monitoring solutions for business and technical activity across the payment transaction lifecycle.
It will interface with Payment Transaction Data Warehouse
Solutions :
Fundtech- Global Payplus-Service platform(GPP) Logica - Logica All Payment solutions(LAPS)
IBM - Financial Transaction Manager (FTM) Polaris- Intellect Payment Services Hub
Mysis - Misys Payment Manager Clear2Pay- Open Payment Framework (OPF)
Oracle - Enterprise Payment Services(Flexcube)
9. PRIVATE & CONFIDENTIAL
Enterprise Payment Bus
PAB2‐Payment Operations
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Capability
Payment operations provide end to end work flow management of cases related to the investigations triggered
from exceptions (from transaction processing, fraud check, etc) and enquiries , including enquiries on status of
the transactions
It can be used to centralize the investigation and posting of unapplied payment transactions across payment
types upon identification from an accounting services.
The solution will facilitate customer enquiries and investigations, with auto-case creation, queuing, allocation,
update and role-based access to operations and customer facing teams.
It will provide reports on typical exceptions causing investigations feeding to improve STP capabilities; types of
customer enquiries, etc
Design Characteristics
This will be a centralized solution for payment transaction processing and financial crime investigations
This service will not be used in the applications where work flow management functions are readily available for
transaction processing (e.g. GPP).
It will actively use payment transactions Data Services for data validation and investigation.
Interfaces
Accesses transaction data from Transaction Data services, and customer data from reference data service
(SCV). It will access data through Payment Bus.
Will be integrated to CRM systems to accept the enquiries, requests, etc
10. PRIVATE & CONFIDENTIAL
Enterprise Payment Bus
PAB 3‐ Regulatory & Global Compliance Hub
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Capability
The compliance hub ensures that events happen in a prescribed sequence. This will include validating sequences of events and
determining follow on services.
Invalid data, deviation from required patterns of message exchanges and SLA breaches will all be reported.
It provides an enterprise suit of tools and capabilities to prevent, detect and remediate fraud and financial crime.
It would include Sanctions, AML, and any other fraud list.
The Compliance hub will provide centralised enforcement of compliance policies.
Design Characteristics
A highly available component with multiple instantiations for reasons of scalability, performance , geography and financial &
legal jurisdiction.
It will be underpinned by a SOA architecture to avoid tight coupling Fraud capabilities with either the Source Systems or the
Payments Architecture.
Will use publisher/subscriber service offered by Payment Bus to accept and push the transactions flowing through it.
Provides guaranteed SLA for transaction life cycle through a managed services approach.
Will receive data from multiple systems through real time, near real time and Batch interfaces.
Will provide high availability and extreme performance characteristics to ensure scalability of transactional services solution.
Interfaces
The Enforcement Engine will be attached the Payment Bus. It will receive input via subscriptions and invoke other services via
publishing.
It will use standard connectivity methods that will cater for :Publish / Subscribe ,Synchronous ,Asynchronous
It will provide interface to Payment Bus to support all the payment transactions processing through the Bus.
It provides interface to monitoring solutions for deep technical system activity and business activity monitoring across the
transaction lifecycle.
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Enterprise Payment Bus
PAB4‐Payment Transaction Data Warehouse
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Capability
PTDW creates a centralised repository for all transactions. This allows business to create customer outputs by
pulling together transaction and customer data.
PTDW enables audit capability for all transaction data
PTDW improves transaction reliability by enabling de-duplication
Design Characteristics
PTDW provides a single view of Payment transactional data flowing through the Payment bus.
PTDW provides a set of services for consumption by consumers through the payment bus or directly for
creation, update, searching, querying but not for deletion of transaction data.
PTDW will provide high availability and performance characteristics to ensure scalability of transactional
services solution.
This is not a reporting solution but will provide querying capabilities and allows for reporting using other tools.
Interfaces
It interfaces with Payment Bus for the purpose of exchanging transaction
It facilitates data to reporting engine.
It moves data to data archive
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Enterprise Payment Bus
PAB5‐Business Activity Monitoring
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Capability:
Provides central location for monitoring and predictive analysis of business processes
Includes dashboards for monitoring and MI as well alerts for key business events, for use by business users
BAM will interact with Transaction Bus for monitoring all the transactions in the transaction processing landscape.
Design Characteristics
BAM needs to monitor Transaction Bus alone as all the systems in the transaction processing estate push data to
monitor to transaction bus
Will be organised into three service levels to reflect the criticality of the transactions being monitored so that Gold
services are given a higher priority than silver ones when they are sent to BAM
Key Interfaces:
A single type of interface from Payment Bus to BAM will be used to communicate events in a common format
13. PRIVATE & CONFIDENTIAL
Enterprise Payment Bus
PAB6‐Reconciliation
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Capability
The Reconciliation provides better visibility and financial control over the bank globally.
It will helps to reconcile all the payment transaction data through one central reliable tool
It will enable the Cash, Bank and General Ledger balances are stored, and provides global
treasury position on corporate cash.
The automated processing of data reduces manual entry and consequently reduces the
possibility of fraud and increases financial control
Design Characteristics
The reconciliation need to monitor all the local and international payment transaction from the Payment Bus.
The Reconciliation service will do the matching and reversal process along with the accounting services.
A highly available component with multiple instantiations for reasons of scalability, performance , geography
and financial & legal jurisdiction.
Interfaces
The Reconciliation service sits between the Payment Bus and the Accounting systems. The connectivity will
be through the Payment Bus using a publish and subscribe mode
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Enterprise Payment Bus
PAB7‐ Back office Accounting Services
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Capability
The Accounting service provides isolation from Payment engines and back end Accounting Systems.
Facilitates efficient routing of on-us transactions and internal-switching
Delivers a common set of routing rules and practices in one place , thus removing duplicate logic , often at
variance, from payment engines.
Simplifies switching and redirection between accounting systems at account level or group level (e.g.
wholesale loans migrations)
Supported by tools allowing business to interrogate routing rules (e.g. how to answer the question – “Which
accounting system was my payment routed to?”)
Flexibility to add new channels, engines, and product systems with minimal impact to existing processes
Design Characteristics
Service for Accounting Services will be published or subscribed by Payment Bus.
A highly available component with multiple instantiations for reasons of scalability, performance , geography
and financial & legal jurisdiction.
The Accounting Services will be table driven enabling changes to be made without coding effort. Changes
will be audited and secured through a multi-level authorisation process
Interfaces
The Accounting services sits logically between Payment Engines and Accounting Systems. Connectivity will
be via the Payment Bus using a publish and subscribe mod
15. PRIVATE & CONFIDENTIAL
Payment Architecture Mapping
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Payment Engine Middleware Framework
Features Pre-built scheme level
processing,
Black box component
Stateless/full
Pure middleware product
supporting messaging/
Payments Repository,
processing
Pre-build sub-flows,
Stateless/full
Grey box component
Advantages Low implementation cost if
implementation
‘out of the box’
Low technology cost
Relative low cost
Standards based
Modular
Disadvantages Customisation cycle slow
Black box component
High product cost
Building enhanced function is
costly
Customisation can still be
expensive
Examples Fundtech GPP IBM MQ/Message Broker,
Oracle (BEA Weblogic)
IBM Enterprise Payments
platform, Clear2pay,
Polaris Soft. Lab
16. PRIVATE & CONFIDENTIAL
Payment Frame work Components
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Framework Components Tool
Interaction Webshpere portal and Lotus Forms
Process IBM IFW, BPM tool, Oracle Business Process Suite,
WODM Business Rules Management
Information Cognos, Pure XML, Rational Data Architect, Webshpere
Transformation Extender, IBM Banking Data
Warehouse Models
Service Management Tivoli Composite Application Manager for SOA, Rational
Asset Manager
Access Webshpere Business Integrator, Webshpere Partner
Gateways
Authentication Tivoli Identity Manager
Delivery & Implementation Rational Software Architect with IFW*
Rational Jazz
WebSphere Banking Content Pack*
Rational Requisite Pro
WebSphere Modeler with IFW*
Security Services Rational AppScan (PCI DSS) and Policy Tester
