transaction switch что это openway
Плюс Банк завершил первый этап по запуску собственного процессингового центра
Плюс Банк завершил первый этап проекта по запуску полнофункционального процессингового центра. В ближайшее время будет осуществлена миграция карт, и к концу года банк станет обладателем собственного процессингового центра, сообщает пресс-служба кредитной организации.
Основой процессингового центра стало решение Way4 от OpenWay. Особенность данного проекта заключается в том, что весь фронтальный функционал реализован на новой высокоскоростной и масштабируемой платформе Transaction Switch.
«Cовременная, гибкая и масштабируемая платформа позволит банку уже сегодня предложить своим клиентам новые сервисы и в дальнейшем оперативно выводить на рынок конкурентоспособные продукты», — отмечает заместитель директора по развитию бизнеса OpenWay Дмитрий Довгаль.
«Ввод в строй полнофункционального процессингового центра позволит Плюс Банку выйти на более высокий уровень обслуживания клиентов, расширить возможности применения карт, функциональность терминальной сети банка и конкурировать за технологическое лидерство», — отметил заместитель председателя правления Плюс Банка Сергей Павленко.
ПАО «Плюс Банк» — небольшой по размеру активов столичный банк, до июля 2014 года базировавшийся в Омске, где расположена большая часть его подразделений. Ключевые направления деятельности — кредитование частных клиентов, привлечение депозитов населения. Основным источником фондирования для банка выступают вклады физических лиц (55,1%). Владельцем банка является казахстанский банк АО «Цеснабанк» (99,94%).
На текущий момент владельцами Плюс Банка через АО «Цеснабанк» являются Адильбек Джаксыбеков (совместно с родственниками — 52,25%), Чингиз Уандыков (8,88%), Арман Батпен (7,34%), Николай и Илья Мещеряковы (отец и сын, совместно — 6,15%), Ержан Толеубеков (5,42%), Нуржан Тургумбаев (3,73%), правительство Республики Казахстан (4,88%); 11,29% акций находятся в публичном обращении, 0,06% приходится на миноритариев.
По данным Банки.ру, на 1 октября 2021 года нетто-активы банка — 27,80 млрд рублей (123-е место в России), капитал (рассчитанный в соответствии с требованиями ЦБ РФ) — 4,11 млрд, кредитный портфель — 19,82 млрд, обязательства перед населением — 12,29 млрд.
Way4 Payment Switch
Omni-channel payment hub, ATM/POS transaction switching, e-commerce gateway, interfaces to payment schemes, and more
Omni-Channel Transaction Switching
Is your payments technology fit for the future? Today people shop globally, send money instantly abroad, and choose their payment method based on location, services, pricing or just personal preferences.
Way4 Payment Switch software is the foundation you need to increase transaction volumes and be competitive with prices and services.
For CEOs
Increase online revenues by enabling digital transformation on a single platform: POS and ATM management switching, omni-channel payments hubs, e-commerce gateway, digital wallets, instant payments, alternative payments, national and cross-border payment switching
Orchestrate various systems online into smart services and ensuring convenient security
Expand your offer with associated services and third-party partnerships via rich API
Provide the best possible customer experience with smart routing, fast time-to-market for new services, high stability, and a wide service offering
Facilitate cross-border payments supporting both unification and local specifics
Reduce the total cost of payment acceptance with high security standards and daily routine automation
Monetize the payment data for adaptive pricing and personalized services and benefit from level-3 data analysis
For CIOs
Ensure interoperability via a wide range of protocols and the ability to create new ones quickly
Connect internal systems, channels, payment schemes, and third-party service providers via rich API
Set your rules for routing, fees, and fraud prevention that are adaptive to customer behaviors
Create your own services using business rules and scripting
Achieve high standards for security and fraud prevention
Be highly available and support millions of transactions per day
Tier-1 Payment Players and Startups Unite on Way4
Banks, processing companies, telecommunication and fleet companies, national payment switches, e-money institutions and PSPs use the Way4 universal payment hub all over the world to run local and cross-border payment businesses.
Some of our customers’ achievements:
34,000,000 transactions per day
4,300 transactions per second
1,400 different payment types on a single WAY4 installation
26 independent banks organized in a regional switch with clearing and settlement on Way4
WAY4: определение, область использования и принцип работы
Что это такое — Way4? Way4 — это специализированная программа в банковской сфере, ориентированная на электронный банкинг, обслуживание платежных, зарплатных, кредитных и других карт, а также на дистанционное обслуживание собственных клиентов.
Процессинг Way4 способен обслуживать :
Программа Way4 распространена по всей з емле и используется в более чем 150 мировых банках, на ее основе строятся оцифрованные банковские решения, локальные и национальные платежные системы, платежные операторы и платежные шлюзы. Несколько клиентов Way4:
Как уже сказано, в России первым данную технологию стал применять Сбербанк РФ, на основе Way4 у Сбера функционируют:
Недавнее исследование РБК показало, что в России данная технология обслуживает около 89 миллионов клиентских банковских карт.
Что это такое — Way4
Way4 — это такое решение, которое способно создать единое мировое платежное пространство между всеми банками, которые используют эту программу. Преимущество данной технологии в том, что она способна работать в формате «24 на 7» в высокопроизводительном режиме, к примеру, она может поддерживать больше 3000 транзакций в секунду и более 150 млн карт сразу. Также решение Way4 получил сертификаты от:
Мы будем очень благодарны
если под понравившемся материалом Вы нажмёте одну из кнопок социальных сетей и поделитесь с друзьями.
WAY4 Switch, OpenWay’s switching system for card payments transactions, has demonstrated a record performance of 3000 business t.p.s. on a Sun6900/Oracle platform. To date, it is one of the highest performance indicators for card payment transaction switching systems run on an open platform.
WAY4 Switch, OpenWay’s switching system for card payments transactions, has demonstrated a record performance of 3000 business transactions per second on a Sun6900/Oracle platform. To date, it is one of the highest performance indicators for card payment transaction switching systems run on an open platform.
WAY4 Switch is a high-speed, round-clock available system based on a flexible product and transaction framework. This combination makes the system attractive for large banks, processors, and telecommunication companies planning to invest in new-generation transaction switching systems.
The Event
3000 business transactions per second (TPS) is the official performance indicator set by WAY4 Switch on a Sun 6900/Oracle 10g platform during a major benchmarking exercise conducted at the Sun Microsystems Benchmark Centre in Langen. 3000 business TPS is one of the highest performance indicators for transaction switching systems run on an open platform.
The Challenge
Today, many companies look for new IT solutions to support the growing business that allows them to quickly create new products and services while optimizing processes and cutting operational costs.
However, the assumption was that new-generation systems were incapable of supporting high volumes when they ranged into tens of millions of cards and thousands of transactions per second.
The Solution
How does WAY4 enable companies to reach high performance levels while simultaneously maintaining a complex set of rule-based functionalities?
As Wim Pardon, Director of OpenWay Belgium, explains: «First, it is the unique architecture of the WAY4 Core that supports Switch, CMS, and EMV Personalisation on a single platform. Secondly, we are constantly perfecting the system through benchmark testing in our laboratories. And last but not least, it is our on-hands experience in real-life implementations.
Pieter Heyn, Sun’s Global Strategy Manager for Banking commented: «Customers are increasingly migrating their payment transaction systems to open, standards-based platforms for cost, performance and flexibility reasons. This benchmark result provides customers with compelling evidence of the combined strength of OpenWay’s WAY4 framework and Sun’s Solaris 10-based platforms. We have been most impressed with the performance of the OpenWay product and look forward to working closely with their team on joint opportunities.»
Already, our clients are processing volumes of 11 million or more debit and credit cards on a single WAY4 platform. Our next target is 50 million cards and 10,000 business TPS.
By enabling complex request exchanges in various dialects such as ISO8583, NDC/DDC, XML/IFX and others, WAY4 Switch gives clients access to products and services from various back-office systems and billing systems through ATM, POS, Kiosk, Web, IVR, and mobile banking, as well as Visa, MasterCard, American Express payment networks, and other channels.
Authorisation and authentication, online risk management, channel and request monitoring, transaction tracking and other functions are included in the WAY4 Switch infrastructure.
Distributed application architecture, the reliability of the Sun hardware platform, and Unix/ORACLE clusters all contribute to a highly reliable, scalable solution capable of handling high transaction volumes 24×7.
The Details
In the Langen benchmark exercise, the platform configuration consisted of multiple SF6900 and SFT 2000 domains, hosting WAY4, Oracle and application server instances.
Transaction generators simulated 20 acquirer sites as transaction sources and 20 issuer sites as transaction destinations. A mix of various types of credit and debit transactions, originating from various channels, such as ATM, POS or e-gateway, was generated during the tests. Over 1 million transactions were generated for each test case, with individual transactions consisting of two messages: ISO8583 0100 request and 0110 response.
Each real-time financial transaction was defined as a complete business transaction cycle involving an authorisation request with complete online fraud monitoring and corporate hierarchical credit/risk checking including commission, VAT and fee calculations.
WAY4T demonstrated a stable performance of close to 3000 authorisation TPS with an 80% Oracle 10g database server load (SF6900 domain with 8 CPU) and a 20-50% application servers load (2 SF6900 domains with 4 CPU and SFT2000 domain with 1 CPU).
Way4. Very Digital Payments
Leading payment institutions are using Way4 digital payment solutions for account management, digital wallets, card issuing, acquiring, switching, e-commerce gateway, and omni-channel digital banking.
Secure your client portfolio and profits today, and look to the future by generating new revenue streams. Many are doing just that by leveraging the modular nature of Way4 to launch a variety of payment processing products. You can easily configure Way4 to your needs to achieve your company’s specific objectives, whether you are taking on a new role in the payments market, or even building your own payment ecosystem.
OpenWay’s client portfolio includes banks and processors, telcos, fleet companies, and governmental agencies. Many of them migrated from legacy systems to Way4 as part of their digital transformation program. Some confronted the limitations of existing service providers and decided to move payment technologies in-house. Others realized their ambitions to go cross-border. Still more launched their greenfield business on Way4 and became tier-1 companies.
Top-Ranked Vendor
A trusted partner for clients since 1998, OpenWay has transformed from a European start-up into a global leader. We were ranked #1 by over other digital payment software vendors by Gartner and Ovum, also by Aite, on top of other digital payment software vendors. Some awards and rankings in detail:
“Best-in-Class” Vendor of Payment Processing Platforms by Aite, in its “Aite Matrix: Payment Processing Platforms 2021“ report
The only vendor to receive the highest rating in the “MarketScope for Multi-Regional Card Management Software” reports by Gartner since 2009
Ovum Decision Matrix: Card and Merchant Management Platforms Selection