2. Introduction
A Switch is a computer system
It facilitates the transfer of electronic
messages between terminal devices and the
appropriate network applications
Switch plays an important role in the entire
ATM connectivity
3. Introduction….
Banks and financial institutions keenly focus on
cost reduction methodologies
Ex: In petrol pumps, the same POS (Point of Sale)
device is shared by different banks
Efforts are being made by banking industry to
promote additional shared retail services, such as
Automated Clearing Houses (ACH), stored value
cards, and credit card authorization.
4. Switch Architecture
The switch is designed to run either on UNIX or
Linux operating system.
Object oriented design and completely modular.
It’s developed in C & C++.
It being a layered architecture provides flexibility
to plug in or remove any layer depending on the
need.
It facilitates both distributed and centralized
transaction switching modules.
It is designed for high availability and fault
tolerant architecture.
5. Switch Architecture….
The switch can be configured using a GUI based
Configuration Management Systems.
The system can interface with any RDBMS.
It can be scaled up massively i.e. without
modification in case there is an increase in number of
channels and the total transaction volumes.
Design supports multiple front-end client systems,
which can be installed either on the Local Network or
on the WAN.
The Front-end systems are based on Client Server
architecture.
6. Switch Architecture….
The architecture supports GUI interface to all
front-end systems.
Built-in operational security when accessed
through the front-end systems. Only
authorized users can have access to the
system.
Front-end systems are programmed using
Visual Basic and Java.
The modular architecture provides the facility
to add new delivery channels as per the
business need arises in the future.
8. BASE24-eps Application
Architecture
Business Components don’t change
regardless of platform support
Data access, Messaging,
Transaction Protection
Portable Application
Middleware
File system
Operating System
Immutable APIs
BASE24-eps Business Components
SIS – Platform Specific Services
HP NSK IBM z/OS IBM AIX Sun Solaris
Enscribe DB2 c-tree c-tree
XPNET MQ MQ MQ
C++ Foundation Components
10. Functions….
2. Reliability and Availability
The system is highly reliable and
provides fail-safe service to the ATM
customers along with zero downtime
Any modification or up-gradation,
including maintenance is done without
shutting down the system.
2. Scalability and Performance
The switch is highly scalable with
enhanced performance.
It adds flexibility to the bank in terms of
providing additional delivery channels.
11. Functions….
4. Database
The switch supports Distributed Database,
Clustered Database as well as Centralized
Database.
It provides card management
functionalities, for banks to issue all types
of cards viz., ATM cards, Debit/Credit
Cards and Smart cards etc.
It also provides comprehensive interface
support for connectivity to other Networks.
12. Functions….
5. Application Monitoring & Control
Network Monitoring-It monitors all connections
across the network, thus ensuring reliable
transaction routing.
ATM Monitoring- It displays ATM status based
on its group structure. Different color-codes
indicate service status. ATM Monitoring is a
tool to view each of the ATM devices with
statistical information
13. Functions….
6. Currency Conversion
The Switch supports the conversion of
transaction amounts from local currency to
a settlement currency
A File Download Module helps in
downloading the currency rate file of any
particular financial institution
This file helps in calculating the currency
conversions.
14. Functions….
7. Branch Database
The system provides a very robust & foolproof
accounting and reconciliation mechanism, which
ensures the following:
All transactions are duly logged in.
Inter branch reconciliation are done on day-to-day
basis with mechanisms to cross check the
reconciliation process from the Electronic Financial
Transaction Processing Switch.
Settlement between the settlement bank and other
institutions is done on a day-to-day basis accurately.
15. Functions….
8. Automatic Reconciliation
The switch is capable of supporting automatic
reconciliation on an ongoing basis throughout
the day.
This will reduce the settlement processing
time, at the time of cutover and will expedite
the settlement process between branches,
institutions, etc.
16. Functions….
9. Adjustment of Transactions
The system is equipped with automated
procedure /mechanisms for handling
unreconciled/disputed transactions
The mechanism includes, but not limited to
entry methods like transaction creation,
validation and final disposal.
17. Functions….
10. Report generation
The list of reports generated on daily basis is as
follows.
Daily Branch wise report.
Daily ATM wise report
Settlement report.
Daily institution/Interchange/Network
Settlement report.
Daily Transaction Log report.
Daily Exception report
18. Functions….
11. Transaction routing
The switch acts as a hub for all transactions it
receives from its participating
terminals/processors, institutions and thereby it
needs a reliable and flexible routing schemes so as
to handle the flow of data
The switch also supports card prefix routing and
algorithmic routing but does not restrict itself to
these two only.
When the issuer host is not available, the switch
performs in Stand-in-Authorization mode.
19. Functions….
12.Store and Forward Subsystems
In the absence of the destination host, the
Store and Forward (SAF)/Guaranteed
Delivery Service prove to be very handy.
In such case, the switch performs stand-in
processing to authorize transactions on
behalf of the issuer agent.
20. Functions….
13.Multi Channel payment Interface
The switch provides flexibility to integrate
multiple payment channels on a single
platform interface.
The system supports ATM, POS devices,
mail order, or telephone Order (MO/TO)
and virtual payments from Internet/wireless
networks from leading vendors.
21. Functions….
14.Interchange Support
Any Financial Transaction Switch will support
the following interfaces.
a. ISO-based 8583 Interface.
b. AMEX International interface.
c. CIRRUS Interface.
d. PLUS ISO Interface.
e. VisaNet Interface.
22. ATM Switch Specifications
Hardware Components of a switch
Sun Server/Stratus Server
Configurations: OS- UNIX.
RAM- 256
100 MB hard disk
space to run the application
23. ATM Switch Specifications….
Software Options for the switch
1. Operating Systems
2. Database
3. Communication Protocol
4. Middleware
5. Programming Language
6. Operational Security
7. Data Storage
8. Communication Mechanism
24. ATM Industry Standards
WOSA /XFS (Windows Open Services
Architecture and added Extensions for Financial
services).
CENT/ISSS (European Committee
Standardization/Information Society
Standardization System)
BSVC (Banking Solutions Vendor Council)
Windows DNA FS (Distributed Internet
Applications for Financial Services Dec.1997)
J / XFS (Java from Sun systems and XFS from
MS) 1998
25. Infrastructural Options for ATM
and ATM Switch Deployment
Option-I: Owning ATMs and ATM
Switch.
Option-II: Outsourcing ATMs and ATM
Switch.
Option-III: Sharing of Infrastructure (ATM
Sharing)
