ALLIANCE USE ONLY
STANDARD OPERATING PROCEDURES
Tarjeta Global Alliance Program
(Telecomm – e-Global Network – Bank– PROSA)
Money Remittance Transaction Process
November 14, 2001
• 1.0 BUSINESS RULES
• 2.0 BUSINESS LOGIC DIAGRAM
• 3.0 OPERATIONAL AND PROCEDURAL REQUIREMENTS
• 4.0 OPERATIONAL FLOW
• 5.0 TRANSACTIONAL PROCESSES
• 6.0 TECHNICAL DEFINITIONS, REQUIREMENTS AND RESPONSIBILITIES
• 7.0 TECHNICAL LOGIC DIAGRAM
1.0 BUSINESS RULES:
1.1 US Senders create transactions through Tarjeta Global System enabled Telecomm
1.2 U.S. Money Remittance companies (affiliated with Telecomm) to enroll in E-Global
Network’s Global Money Transfer System.
1.3 E-Global Network to provide a standardized software program/system to facilitate
money remittance to Tarjeta Global Program participants.
1.4 PROSA to sponsor and facilitate the usage of the Tarjeta Global within the RED
1.5 PROSA Network to disburse funds to Tarjeta Global users.
1.6 EGN to create Tarjeta Global Cards/Accounts at participating Banks.
1.7 Bank to settle with PROSA within one (1) business day.
1.8 E-Global Network to settle with Bank within two business (2) days.
1.9 Mexican Beneficiary to receive funds immediately through Tarjeta Global Card or
Account at Telecomm participating outlets.
2.0BUSINESS LOGIC DIAGRAM
Proposed Switch Topology
Telecomm/E-Global Network / PROSA
Agent Agent ATM ATM
Agent Remittance Acquirer
s it Bank Se ATM
Company po ttle (Bank)
Remittance te tho Acquirer POS
Card Issuance &
Agent Agent Telecom Telecom
Estados Unidos Mexico
3.1 CLIENT (SENDER) REMITTANCE LEVEL
3.1.1 Sender initiates request at GMTS-enabled agent (Tarjeta Global Card
authorized agent and Telecomm Affiliated)
3.1.2 Sender provides necessary information to Agent
184.108.40.206Desired Personal Identification Number (If new account)
220.127.116.11Amount to be sent
18.104.22.168Beneficiary name (If new)
22.214.171.124Beneficiary Tarjeta Global Number
3.1.3 Sender remits funds to be transferred to Agent
3.1.4 Sender to contact Beneficiary of remittance and the (PIN) to activate Tarjeta
3.1.5 Sender chooses Dollars to Mexican Pesos transaction
3.1.6 Sender signs forms
3.1.7 Sender fills out Currency Transaction Report (CTR) if over $10,000 (USD)
3.1.8 Sender provided hard copy receipt of transaction
3.2 AGENT SERVICES LEVEL
3.2.1 Agent begins funds transfer request from sender.
126.96.36.199Agent utilizes local software program (coupled with GMTS) system to
initiate wire request
188.8.131.52.1 Capture Sender data
184.108.40.206.2 Fill-out standard forms (US company requirements)
220.127.116.11.3 Verify data for sender
18.104.22.168.4 Check Identification
3.2.2 Agent starts new account for sender’s without previous transactions. (New
3.2.3 Agent requests sender for Beneficiary’s Tarjeta Global Account number. (Pre-
3.2.4 Agent designates beneficiary account
3.2.5 Agent requests Sender to provide a (Personal Identification Number) (PIN) for
initiation of Tarjeta Global (Card)
3.2.6 Agent conducts “Know your Customer” profiling
22.214.171.124Fill out Suspicious Activity Report (SAR), if required.
3.2.7 Agent determines extraordinary activity by sender or beneficiary name
3.2.8 Agent completes addition local company/agent procedures and paperwork
3.2.9 Agent collects Funds and Fees
3.2.10 Agent completes transaction on local system and GMTS.
3.2.11 Agent gives Sender Official Money Remittance Company Receipt. (Indicates
usage of Tarjeta Global)
3.2.12 Agent deposits all trust funds within 24 hours to designated bank account.
3.3 US MONEY REMITTANCE HEADQUARTERS (HQ) MANAGEMENT
3.3.1 Telecomm affiliated Money Remittance Company
3.3.2 HQ conducts daily audit of Agent and Processing Center Bank deposits.
126.96.36.199Access and determine all GMTS transactions (Total Daily Funds
3.3.3 HQ to conduct daily managerial assessment of all agent activities
188.8.131.52Reconcile bank deposits with previous day’s funds transactions.
3.3.4 HQ to make all Agent related decisions for granting funds transmissions.
3.3.5 HQ Management to determine prior day’s Total Daily Funds Request to be
deposited in Mexico Bank Accounts prior to 10:00 am each business day.
184.108.40.206HQ Management will review all reports and analyze financial position
220.127.116.11HQ Management to deposit Foreign Currency into respective
Banjercito or E-Global accounts.
3.3.6 HQ Accounting Department to track and record all funds activities.
18.104.22.168HQ to provide weekly summary report of funds transfer activities.
22.214.171.124HQ Accounting Department to provide monthly summary report of all
funds transfer activities.
3.3.7 HQ Management to conduct weekly and Monthly meetings to spot, analyze
and correct and discrepancies in funds transfer activities within the
3.4 E-GLOBAL NETWORK COMPANY
3.4.1 GMTS Agents/Companies directly connected to EGN network
3.4.2 GMTS transactions ultimately approved by EGN administrators.
3.4.3 GMTS system captures all data for real-time review
3.4.4 GMTS system initiates creation of Tarjeta Global (Card)
3.4.5 GMTS creates all transaction reference numbers
3.4.6 GMTS creates initial (PIN) numbers
3.4.7 GMTS creates individual record for each transaction.
3.4.8 GMTS passes data to PROSA network
3.4.9 GMTS passes data to Bank banking software.
3.4.10 GMTS creates End of Day Transaction Report.
3.4.11 EGN to deposit funds to Bank or Line of Credit Account daily.
3.4.12 EGN to manage all US Money Remittance Company relationships.
3.4.13 EGN to ensure all financial activities are managed daily.
3.4.14 EGN to maintain a Call Center.
3.4.15 GMTS creates all required reports
3.4.16 GMTS archives all data.
3.5 PROSA NETWORK
3.5.1 PROSA to sponsor and fully accept the TarjetaGlobal card on the Red
3.5.2 PROSA to handle and facilitate the disbursement of all funds transfers with all
Tarjeta Global Users within the RED Network.
3.5.3 PROSA to conduct daily settlement procedures with Bank and EGN.
3.5.4 PROSA to provide daily Disbursement Report to Bank and EGN.
3.5.5 PROSA to distribute cards to paying outlets.
3.5.6 PROSA to administer and manage all Tarjeta Global cards
3.5.7 PROSA to conduct weekly and monthly audit report with all banks, paying
outlets and other financial entities.
126.96.36.199Provide report to all participants
3.5.8 PROSA to maintain Tarjeta Global Call Center
3.6 BANK (TELECOMM) ACCOUNT AND SETTLEMENT
3.6.1 Bank to create a Master Account for all TarjetaGlobal Transactions
188.8.131.52Account will have unlimited access and control
184.108.40.206Sub-accounts to be created with unlimited access and control
3.6.2 Bank to pre-activate sub-accounts upon GMTS request.
3.6.3 Bank to accept Tarjeta Global accounts and transactions.
3.6.4 Bank to settle with PROSA for previous day’s Tarjeta Global transaction.
3.6.5 Bank to swipe funds from Money Remittance Company Account, Master
account or Line of Credit Account as required.
3.6.6 Bank to maintain Tarjeta Global Call Center
3.6.7 Bank to provide monthly report of all activities.
3.7 TARJETA GLOBAL
3.7.1 Tarjeta Global Management to oversee the financial settlement of all Mexico
Bank based accounts.
3.7.2 Tarjeta Global to maintain Call Center activities.
3.7.3 Paying outlet to manage all distribution outlets.
3.8 TELECOMM (PAYING OUTLETS) (TELEGRAFOS & OTHER OUTLETS)
3.8.1 Telecomm to accommodate a new PROSA-based Point-of-Sale (POS)
system at designated locations.
3.8.2 Paying Outlet handles pre-delivered Tarjeta Global Cards
3.8.3 Paying Outlet delivers and initiates Tarjeta Global Card to Beneficiary
3.8.4 Paying Outlet agent requests Beneficiary (PIN) to activate Card.
3.8.5 Paying Outlet agent accommodates permanent (PIN)
3.8.6 Paying Outlet disburses funds to Beneficiary
3.8.7 Upon card activation, Paying Outlet to allow collection of funds from ATM or
3.9 BENEFICIARY COLLECTION LEVEL
3.9.1 Beneficiary to request Funds Disbursement at Paying Outlet for first time
3.9.2 Beneficiary to use original (PIN) provided by Sender.
3.9.3 Beneficiary to change (PIN) at first usage at the Paying Outlet agent level.
3.9.4 Upon card activation, Beneficiary to use ATM or POS network.
4.1 Operational Components
4.1.2 US Money Remittance Company and Agent
4.1.3 E-Global (GMTS)
4.1.4 Foreign Bank and Distribution System
4.2 Operational Procedures
4.2.1 Consumer remits money
4.2.2 Agent receives money
4.2.3 US Money Remittance Company fulfills money exchange request and makes
deposit to Foreign bank account
4.2.4 PROSA disburses funds through beneficiaries account
4.2.5 PROSA sets up card management program
4.2.6 Bank settles with PROSA
4.2.7 Tarjeta Global to ensure daily funds settlement
4.2.8 Beneficiary obtains money
5.0 Transactional Process Flows
5.1 Information Transaction Components
5.1.1 Agent (Telecomm Affiliate) captures data
5.1.2 GMTS passes data to PROSA
5.1.3 Bank Banking Program (Card Management)
5.1.4 PROSA Transaction System
5.1.5 Telecomm Paying Outlet Distribution System
Diagram 5.1 Informational Transactional Flow Diagram
5.2 Information Transaction Procedural Flow
5.2.1 US agent creates transaction request
5.2.2 GMTS captures data, creates transaction request and archives transaction
5.2.3 E-Global Network validates transaction and approves agent transaction request
5.2.4 E-Global Network verifies daily report and initiates physical money deposit to
respective foreign bank.
5.2.5 E-Global Network audits all transactions from bank with internal reports and
5.2.6 Paying Outlet receives funds through respective foreign bank account
5.2.7 Paying Outlet disburses funds to beneficiary
5.3 Money Transaction Components
5.3.1 US agent (Telecomm Affiliate)
5.3.2 US Money Remittance Company (Telecomm Affiliate)
5.3.3 Bank account
5.3.5 Telecomm Paying Outlets
Diagram 5.2 Monetary Transactional Flow
5.4 Money Transaction Procedural Flow
5.4.1 Sender remits money to US agent
5.4.2 US agent accepts money
5.4.3 US agent deposits funds to US Money Remittance Company
5.4.4 US Money Remittance Company deposits funds to Bank or EGN account
5.4.5 EGN deposits into Tarjeta Global accounts directly or through a Line of Credit
5.4.6 PROSA facilitates Tarjeta Global transaction
5.4.7 Beneficiary receives funds
Diagram 5.3 (Settlement Process Diagram)
6.0 TECHNICAL DEFINITIONS, REQUIREMENTS AND RESPONSIBILITES
Note: Responsible entity denoted by (Parenthesis).
6.1 GLOBAL MONEY TRANSFER SYSTEM: e-Global Network proprietary cross-border
money transfer software and network.
6.2 e-GLOBAL MONEY TRANSFER TRANSACTION: A financial transaction between a
United States sender of funds to a Mexican recipient (beneficiary) of funds.
6.2.1 Card Initiation: First transaction from US agent initiates the creation of a
Tarjeta Global Card.
220.127.116.11 Transaction Number: 6 digit tracking number (EGN)
18.104.22.168 Assignment of Tarjeta Global: GMTS system to assign card based
on funds destination. (EGN)
22.214.171.124 NIP: Pre-created NIP and verification. (Bank)
126.96.36.199 Bank Account: Each Tarjeta Global card is assigned a pre-
determined Banjercito account. (EGN-Bank)
188.8.131.52 Deposit (sender)/Cash Advance (beneficiary) Request: PROSA to
categorize as a Cash Advance/Deposit transaction (PROSA)
6.2.2 Card Activation: First transaction activated at Mexican Paying Outlet through
the use of a PROSA based (Personal Identification Number-PIN) enabling
6.2.3 NIP Creation (2nd): Permanent NIP created by Beneficiary through POS
6.2.4 Follow-on Transaction: Follow-on Tarjeta Global Card/Account transactions
to be considered Deposit
6.2.5 Cancellation of Card: Cancellation of Card initiation and all subsequent
transactions to be handled by PROSA’s existing cancellation process.
6.3 TARJETA GLOBAL CARD: A stored-value card designed to facilitate the transfer of
6.3.1 Card Specifications:
184.108.40.206 Card numbering scheme: ISO 8583 compliant (EGN)
220.127.116.11 Transaction Number: 6 digit tracking number (EGN)
18.104.22.168 Card Information/File Format: ISO 8583 compliant
6.3.2 Types of Transactions: (PROSA)
22.214.171.124 Point-of-Sale Transaction: Card transactions shall be facilitated
through a PROSA (Red Network) Point-of-Sale network terminal.
126.96.36.199.1 NIP: Required
188.8.131.52.2 Account Balance: Not available
184.108.40.206.3 Locations: Participating distribution companies
220.127.116.11 Paying Outlet Terminal: Computer PC with software program and
card reader appliance.
18.104.22.168.1 NIP: Required
22.214.171.124.2 Account Balance: Available
126.96.36.199.3 Locations: Participating Payout Agents
188.8.131.52 Automated Teller Machine (ATM): Post-activation account
transactions will have capability to transact with PROSA (Red) network
184.108.40.206.1 NIP: Required
220.127.116.11.2 Account Balance: Available
18.104.22.168.3 Locations: All PROSA Red ATMs
6.4.1 Participants to integrate current Card Management and Banking Electronic
Data Interface (EDI) program with PROSA, EGN and Bank.
6.4.2 Card Management System:
22.214.171.124 Set-up Card Accounts: Bank to create a set (lot) of PROSA/bank-
sponsored “stored value” cards. Associated with Bank account.
Funds for each card to be transferred from EGN
126.96.36.199 EGN Bank Account: Bank to set-up EGN master account. Funds to
be drawn from this account to fund each Tarjeta Global (card).
188.8.131.52 Tarjeta Global (Cards): PROSA to recognize each Tarjeta Global
(Card) and settle with Bank Master Account/Sub Account daily using
current PROSA BIN Number account.
6.5.1 System Integration: Telecomm to fully integrate GMTS and PROSA
systems into existing money transfer systems.
6.5.2 Software & Database Access: Telecomm to allow EGN to access specific
data on existing system regarding money transmissions of the TarjetaGlobal
6.5.3 Point-of-Sale Reader System: Telecomm to accommodate PROSA-based
Card readers and other terminals for usage in TarjetaGlobal system.
6.5.4 Bank Integration: Telecomm to allow full access of bank accounts regarding
the TarjetaGlobal system.
6.6.1 PROSA to integrate its systems and network services to EGN and modify its
data file transfer system.