Authorization

Global Payments Europe provides both issuers and acquirers a total outsourcing solution for complete transaction processing cycle. Authorization services are the key element to the process – routing, authorizing, capturing, and posting transactions in one place, using state-of-the-art technology in a secure environment.

Key Benefits Description

Authorization Services Outsourcing provides the card issuers/acquirers following benefits:

• Cost Saving. This cost-sharing mode ensures the best economy of scale possible. The investment for implementing a new service for GPE customers is virtually zero.
• Flexibility. EMV, m-commerce, e-commerce, loyalty schemes, and other initiatives are quickly adopted to enable maximum flexibility.
• Reliability. Guaranteed top-level availability with minimized down times. Certified by MasterCard, Visa and supervised by the Czech National Bank.
• Central Processing. A complex set of options for processing issuing authorizations and processing at card acquiring devices i.e. POS terminals, ATMs, m-commerce, and e-commerce systems.
• Multi-system. American Express, Diners Club, JCB, MasterCard Europe, and VISA EU. This gives acquirers the utmost competitive advantage in offering the merchants processing of the complete card brands portfolio.

Features List

Authorization Data Management and Remote Transaction Viewer

These two services maximize the benefits of authorizations services outsourcing.

• Authorization Data Management. Using industry-standard ISO messages this feature enables the issuer’s card management system to update card spending limits and status.
• Remote Transaction Viewer. Issuer may extract financial data and use it in further processing for managing credit risk.

GPE processes the following card brands:

• American Express
• Cirrus
• Diners Club
• JCB
• MasterCard
• MasterCard Electronic
• Maestro
• VISA
• VISA Electron
• Plus
• Private label cards

Security features:

• Compliant with all card system standards.
• EMV compliant
• 3DES encryption of sensitive data
• Fraud detection systems

Issuer authorization methods

• Positive with account balance
• Positive method
• Negative method

How It Works

Implementation

Issuers. At implementation the issuer decides the preferred authorization method for card products. The system enables full on-line to issuer mode, dynamic stand-in, or full outsourcing methods. In the first two methods, the issuer may specify the pre-verification criteria (e.g. PIN, card spending limits, expiry etc.) Issuer has real freedom in designing its card products and security features. Should the issuer’s system fail, Global Payments’ takes over the authorization processing without service disruption.

Acquirers. At implementation the acquirer specifies the brands to be processed, type and manufacturer of POS, ATM, and cash register devices. In addition to authorization services, GPE also provides ATMs and POS installation and maintenance services.

Operations

Issuers. Authorizations may be directed to GPE systems either via any card association network or from devices serviced by GPE. Transaction is then verified using one of these pre-set methods:

• Positive authorization. Each card has its set of spending limits and security parameters.
• Positive authorization with balance check. As above plus the account balance is verified.
• Negative authorization. Negative file is checked for explicitly defined cards (lost, stolen, closed, non-active, etc). Method not often used due to security limitations, but remains in our portfolio to support legacy systems.

Authorization may be accomplished by GPE or by issuer site, where the authorization request is redirected. All messages are logged for future back-office processing.

Acquirers. GPE accepts authorization requests from devices and GPE voice authorization hot-lines. Depending on the issuer, the transaction is either authorized locally in the GPE system, or it is routed to the appropriate card network for authorization. The response is then forwarded to the originating device or hot line. All messages are logged for future back-office processing.

Transaction types supported at ATMs:

• Quick Withdrawal (no account selection)
• Withdrawal with Account Selection
• Account Balance Enquiry
• Cash Deposit
• Bill or Loan Repayment
• Transfer Order
• Issuer Messages for Cardholders
• Account Mini-Statement
• PIN Change

Transaction types supported at POS:

• Sale/Purchase
• Cash Advance
• Pre-Authorization
• Card Verification
• Sale Amount Change
• Credit Transaction
• Sale with Cash-back
• Mail/Phone Order
• eCommerce Transaction (3D Secure)