This document discusses Tieto's experience providing card issuing solutions to several Russian banks, including OTP Bank, VTB24, MTS Bank, and Russian Standard Bank. It describes the high availability solutions implemented, integrations to payment networks and the banks' internal systems, and the daily operations for managing American Express cards issued through Russian Standard Bank.

1. Russia cards issuing
project experience
Eduards Salnikovs

2. © Tieto Corporation
Agenda
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1. OTP Bank
2. VTB24
3. MTS
4. Russian Standard Bank

3. © Tieto Corporation
OTP Bank background
• Owned by OTP Group with
operations in 9 countries and
headquarters in Budapest ranked
number one Hungarian bank
• Ranked 7th in Russia credit card
market
• ~ Several million active cards
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Front office solution
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High availability solution
Two independent online authorization host instances
• Two Card Suite applications
• Two standalone Oracle database instances symmetrically
synchronized in real-time
• No DB level clustering (i.e. Real Application Cluster) used to reach
availability requirements
Phased availability increase
1. Switchover/Failover
2. Active-Passive
3. Active-Active
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6. © Tieto Corporation
OTP Bank integrations
Integrations and connection to USS UCS acquiring
• Interface communications and integrations in accordance to USS
UCS vedor specifications (Openway Way4)
Integrations to OTP bank in-house systems
• Internet bank and mobile bank
• CRM (Oracle Siebel)
• Automated banking system (VaBankXL)
• PIN management through interactive voice response (IVR)
• Personalization software (Ostpack/Ostcard)
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7. © Tieto Corporation
MTS Bank background
• Full in-house payments processing
• Bank part of holding group with one
of the largest telecommunication
groups in CIS (MTS)
• American Express agent bank
and POS acquirer through
sponsorship of Russian Standard
Bank
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• Mobile payment pioneer
in Russia
• First mobile SIM based
contactless NFC card

8. © Tieto Corporation
VTB24 background
• Owner of VTB24 - VTB Bank former
Russia’s Foreign Trade Bank
(Vneshtorgbank) one of the largest
financial institutions in Russia
• One of the largest Tieto Fraud
Management installations
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• 200mln transactions
per month
• 2014 Best fraud
management solution
amongst Russian
banks

9. © Tieto Corporation
Russian Standard Bank background
• Successful consumer financing
program (~70% of market share of
consumer credits in Russia)
• Top retail lending bank with a
unique experience of customer
record generation based on an
automated credit scoring system,
holding the largest database of
consumer credit history
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• 36+ million issued
cards

10. © Tieto Corporation
American Express card management
daily operations in RSB
Pre-processing
• Business date set-up
• CCY rates set-up
Process execution
• Authorization data and
locks synch
• Transaction processing
& posting
• Matching & hold
removal
• Payments
• Card personalization
processes
Post-processing
• Debtor monitoring
• Reports
• Business day closure
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11. © Tieto Corporation
American Express card management in
RSB
• Billing & Statementing
• Cardholder and system generated transaction billing
• Calendar events and cycles
• Card fulfilment, production and activation
• Embossing file for new, renewal and replacement card
• On-line card activation through IVR
• Virtual card through self service kiosks
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12. © Tieto Corporation
American Express card management in
RSB
• Pin management
• Online – Update through online connection with host
• Off-line – PIN is changed when chip script has been successfully
executed
• External web service integrations (i.e. IVR, CRM)
• Transaction authorisation, routing and accounting
• Transaction conditions and controls
• Booking schema, clearing and settlement instruction and cycle
configuration
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13. © Tieto Corporation
Cardholder services for AMEX issuingInquiryservices
• Own data
• Card info
• Open-To-Spend
• Account balances
• Credit limits
• Hold amount
• Authorizations
• Transactions
• Statement / Invoice
Updateservices
• Block Card
• Order Replacement
• Order Renewal
• Payment
• Credit Limit change
• Update own data
• New card to account
• New product agreement
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Other products introduced prior to 2015
• EMV Issuing
• ATM EMV approve/decline
• PIN management services (change/unlock)
• Balance inquiry
• ExpressPay Issuing
• SafeKey Issuing
• Travel products
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