ATM Transaction Processing
Global Payments Europe provides ATM acquirers with transaction
processing services and transaction data capture. Although
this service is traditionally offered together with ATM network
maintenance, acquirers may also benefit from this service
in countries without GPE’s repair/maintenance coverage.
This is extremely useful for banks wishing to unify its operating
environment in several regions with currently different service
levels.
Key Benefits
Features List
The following card brands are supported at GPE network:
- MasterCard (MasterCard, MasterCard Electronic, Maestro,
Cirrus)
- VISA (VISA, VISA Electron, PLUS)
- American Express
- Diners Club (via Cirrus)
- JCB (via Cirrus or PLUS)
- Private label cards
Supported standard transaction types:
- Withdrawal (Fast Cash Withdrawal or Withdrawals with
account selection)
- Balance Inquiry
- Cash Deposit
- Mini-statement
- Mobile phones top-up payments
Advanced transaction types:
- PIN change
- Invoice payments
- Balance Inquiry
- Account-to-account transfer orders
- Advertisement and marketing actions at ATMs
- Card expiration warning
- Retained card warning
- Mobile operators billing
How It Works
- At implementation the acquirer and GPE conduct a feasibility
study, which will summarize required ATM functionality,
existing device models, communication options, and future
network developments. Based on the results, a communication
method and means is designed, installed, and tested. A migration
plan is developed and executed. Licensing issues are administered;
possible back-office processing is parameterized. Technical
support has to be contracted, either with GPE or third party.
Furthermore, malfunction alerts communication has to be
set-up between GPE and the technical support provider.
- If needed, ATM software is updated for communication with
GPE authorization system and for required functions.
- At operations, GPE processes authorization requests and
captures the transaction data. Based on processing set-up
the data are settled in GPE CMS back-office system or transferred
to the acquirer. Advanced transaction types are handled
as agreed with third parties e.g. mobile operators or marketing
partners.
FAQ
Will GPE enable chip card acceptance
at ATMs?
Yes, GPE has put into operation first ATMs for acquiring of
EMV cards in March 2005. Currently is in progress conversion
of the whole ATM network connected to Global Payments Europe.
Is it possible to extend services
at ATMs?
GPE has been constantly upgrading functionality options at
ATM network. Examples of advanced ATM functions are mentioned
above. Other services are being prepared following banks’
requests.
What is the benefit of PIN
change at ATM?
Cardholder may change his/her PIN to a preferred number, which
will be then easily remembered. Also the PIN is to be changed
at emergency situation when the cardholder suspects the PIN
may have been compromised. This function thus increases card
usage security.
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