Download - Basic Trn Itm
AgendaAgenda
• Overview electronic delivery channel product
• Overview ITM as middleware, ATM & InterLink concept
• ITM & InterLink version product
Electronic Delivery Channel Electronic Delivery Channel ProductProduct
Secu
re L
ayer
ATMs
Telephones
PCs
MobilePhones
PDAs
POS DevicesSe
cure
Lay
er
ITM™
FinancialInstitutions
GlobalNetworks
RegionalNetworks
MobileOperators
Billers
CUSTOMER TOUCHPOINT
ROUTING ENDPOINTS
EDC Product Cont'dEDC Product Cont'd
HSM
Card Database
PIN Management
Card Embossing
CARD MANAGEMENT
Terminal Management
Host Security Module
DEVICE HANDLER
ATM MANAGEMENT
Online Switch Management
SIGMA|INTERLINKFINANCIAL
INSTITUTIONBank, insurance,
multi finance
EFT NETWORKGlobal Networks
Regional Networks
PAYMENT GATEWAYBillers, Mobile
Operators
Branch A
Branch B
Branch C
CORE
BA
NKI
NG
I T MI T M
Visa, Mastercard, EuropayATM Bersama, Alto, Cakra, BCA
Multi Core Banking,Insurance, Multi Finance
PLN, Telkom, TaxTelkomsel, XL, Satelindo, Im3
Appl. InterfaceCore Banking
Appl. InterfaceOther Banking Appl.
LEGACY APPLICATION
Introduction to ITMIntroduction to ITM
• ITM System Overview• ITM Modular System• Transaction Flows and Modules
ITM: OverviewITM: Overview
Established in 1975, over 30+ year history of technology enhancement and transaction solutions.
Experienced in 70+ countries, presence in US, EMEA, Latin America, Caribbean, south Asia and pacific rim with an active client base of over 200.
Enterprise and middleware system. Improved customer service. 24x7 customer access to all channels. Consistent balances and channel delivery. More efficient IT support - reduce number of
vendors. AS/400 integration. Speed to market, proven implementation.
ITM: Modular SystemITM: Modular System
. . .Driver
POSDrivers
OFXDriver
VoiceDrivers
ISO8583Drivers
ATMDrivers
JSPServlets
Tran
sact
ion
Pac
kage
s
InformationTx
MessageTx
HistoryTx
DepositTx
WithdrawalTx
TransferTx
InquiryTx
. . .Tx
Tran
sact
ion
Rou
ter
Mail/MessageProvider
Bill PaymentProvider
AccountingProvider
UserProvider
CardProvider
ITMProvider
. . .Service
ExternalNtwrk Provider
Mail/MessageService
Bill PaymentService
JDBC/SQL
JDBC/SQL
JDBC/SQL
DQ MessageService
. . .Service
Data CommService
Open Transaction Middleware
API Layer
DeliveryChannelDrivers
OpenTransaction
ObjectsApplicationProviders
ApplicationServers
ITM
EFTNetwork
DataSources
EFTNetwork
ITM: Modular SystemITM: Modular System
HSM
Card Database
PIN Management
Card Embossing
CARD MANAGEMENT
ATM Terminal Management
Host Security Module
DEVICE HANDLER
ATM MANAGEMENT
Online Switch Management
SIGMA|INTERLINKFINANCIAL
INSTITUTIONBank, insurance,
multi finance
EFT NETWORKGlobal Networks
Regional Networks
PAYMENT GATEWAYBillers, Mobile
Operators
Branch A
Branch B
Branch C
CORE
BA
NKI
NG
I T MI T M
Visa, Mastercard, EuropayATM Bersama, Alto, Cakra, BCA
Multi Core Banking,Insurance, Multi Finance
PLN, Telkom, TaxTelkomsel, XL, Satelindo, Im3
Appl. InterfaceCore Banking
Appl. InterfaceOther Banking Appl.
LEGACY APPLICATION
ATM
ITM: A Modular SystemITM: A Modular System
Automated Teller Machine
Device
Euronet Internet
Banking PC
Communications Interface
ITM Core
Point Of Sale Device
Banking Application
Interface
Device Control Interface
ExternalNetwork Link
Communications Interface
Device Control Interface
ITM: A Modular SystemITM: A Modular System
Automated Teller Machine
Device
Communications Interface
Device Control Interface ITM Core
Banking Application
Interface
Device Control Interface
Communications Interface
ExternalNetwork Link
ITM: A Modular SystemITM: A Modular System
CommunicationsInterface
Device Control Interface
ITM CORE
CommunicationsInterface
Device Control Interface
CommunicationsInterface
Device Control Interface
Network
CommunicationsInterface
Device Control Interface
POSATM Telephone Baking
CommunicationsModule
ATMTransaction
ManagerDevice Control
Module
CommunicationsManagerModule
CardProcessing
Module
SecurityModule
CommunicationsModule
NetworkDriver
External Network
ApplicationInterfaceModule
Remote HostModule
System Administration
Module
SystemLoggingModule
System Routing Program
ITM: Transaction Flow Overview
CommunicationsModule
ATM The Communications Module (COM) handles the physical communications with the device through a specific communications protocol. No data conversion is done. This module provides a transparent link to the rest of the system.
Communications Module
Communications ModuleCommunications Module
• Protocol specific (X.25, TCP/IP, LU0)• Assigns the STAN to each transaction
(System Trace Audit Number)• Removes/adds protocol information• Fills out RTDS - Routing Data Structure• Delivers messages to DCM• Examples: X25xx, TCPxx, FNCxx
CommunicationsModule
ATM
CommunicationsManagerModule
The Communications Manager Module (CMG) handles the background monitoring of the status of communications links in the system. (Example: CMGxx)
Communications Manager Module
CommunicationsModule
ATMThe Device Control Module (DCM) handles any processing specific to the device type. Messages coming from the device are translated from the device specific message format to an internal message format and vice versa.
Device ControlModule
CommunicationsManagerModule
Device Control Module
Device Control ModuleDevice Control Module
• Specific to message format of device
• Translates messages between ITM
and device
• Processes and reports device status
messages (NDC, DDC)
• Examples: DDCxx, NDCxx, SATxx, xx,
BCAxx, TLBxx, VIPxx, MDSxx,EDCxx
CommunicationsModule
ATMTransaction
ManagerDevice Control
Module
CommunicationsManagerModule
The Transaction Manager Module (TMM), provides transaction/message routing, recording of transactions and basic management functions.
Transaction Management Module
Transaction Management ModuleTransaction Management Module
• Records transactions to the TRAN file
• Determines participants and types• LON, RON, ROF, NET
• Validates transactions
• Routes transactions
• Starts the first phase of currency
conversion
• Example: TMMxx
CommunicationsModule
ATMTransaction
ManagerDevice Control
Module
CommunicationsManagerModule
CardProcessing
Module
TMM sends a message to the Card Processing Module (CPM) if the participant type is LON or RON.
Card Processing Module
Card Processing ModuleCard Processing Module
• Validates the card number.
• Performs security validation (sends PIN information to SEC).
• Links card number to account number.
• Performs transaction authorization processing based on limits and previously authorized transactions.
• Sends transaction to AIM/ABL.
• Example: CPMxx.
CommunicationsModule
ATMTransaction
ManagerDevice Control
Module
CommunicationsManagerModule
CardProcessing
Module
SecurityModule
Security Module performs cryptographic functions such as PIN validation and PIN block translation (for external networks).
Security Module
Security ModuleSecurity Module
• Validates the Personal Identification Number (PIN) entered
• Generate PIN • Translate PIN• Example: RSMxx, ERCxx, CRPxx
CommunicationsModule
ATMTransaction
ManagerDevice Control
Module
CommunicationsManagerModule
CardProcessing
Module
SecurityModule
NetworkDriver
In the case of cards “not on us” (participant type = NET) , the transaction is routed to the appropriate external network (Example: VIPxx, MDSxx)
External Network
CommunicationsModule
Network Driver
CommunicationsModule
ATMTransaction
ManagerDevice Control
Module
CommunicationsManagerModule
CardProcessing
Module
SecurityModule
CommunicationsModule
NetworkDriver
External Network
ApplicationInterfaceModule
AIM performs transaction authorization based on account balances downloaded from the host system. It allows for a standardized interface to host systems.
Application Interface Module
Application Interface ModuleApplication Interface Module
• Provides a generic single point for the ITM system to interface with various accounting systems.
• Performs common actions and then exits to vendor specific programs that handle the actual authorization processing according to vendor or customer specific requirements.
Application Interface ModuleApplication Interface Module
• Interface option:• Direct update to core banking file• Using service program from core banking• Using message format
Application Interface ModuleApplication Interface Module
• Verifies account number
• Applies transaction to Memo balance
• Sends response to TMM or others
module driver H2H for payment
• Example: AB2xx, ICBxx, JSLxx, ABLxx,
KP3xx, BVNxx, SMLxx, COSxx, etc
CommunicationsModule
ATMTransaction
ManagerDevice Control
Module
CommunicationsManagerModule
CardProcessing
Module
SecurityModule
CommunicationsModule
NetworkDriver
External Network
ApplicationInterfaceModule
Remote HostModule
System Administration
Module
SAM provides transaction timing control and stand in processing if needed.
System Administration Module
System Administration ModuleSystem Administration Module
• Transaction timeouts
• Administrative message
processing(08xx)
• Stand In Processing (if required)
• Example: SAMxx
CommunicationsModule
ATMTransaction
ManagerDevice Control
Module
CommunicationsManagerModule
CardProcessing
Module
SecurityModule
CommunicationsModule
NetworkDriver
External Network
ApplicationInterfaceModule
Remote HostModule
System Administration
Module
SystemLoggingModule
The System Logging Module provides logging support for all modules in the system
System Logging Module
System Logging ModuleSystem Logging Module
• Writes messages to the log file in
chronological order
• Variable levels of logging: additional
logging can be turned on or off as
necessary
• Example: LOGxx
CommunicationsModule
ATMTransaction
ManagerDevice Control
Module
CommunicationsManagerModule
CardProcessing
Module
SecurityModule
CommunicationsModule
NetworkDriver
External Network
ApplicationInterfaceModule
Remote HostModule
System Administration
Module
SystemLoggingModule
System Routing Program
System Routing Program handles transaction routing between modules according to system routing tables.
System Routing Program
System Routing ProgramSystem Routing Program
• Called by all the modules
• Routes transactions
• Writes messages to the Log Module
ITM Software- Integration Is the KeyITM Software- Integration Is the Key
ITM COREITM COREEFT Network
Solution
Other CPU(s)
WorkstationAuthorizationPOS
ATM
OnlineSwitch Control
Hostto
Host
AutomatedCommunications
Manager
Telephone Banking
ICCSIntegrated
Credit CardSystem
iSeries Platform
IntegratedBill Payment
System
IMSIntegratedMerchantSystem
CoreAccounting
Software
Wireless Banking
InternetBanking
OnlineCredit/Debit
Network
Other Vendor(s)
Host to HostSolution
ATM Transaction Message FlowATM Transaction Message Flow
• Authorized, Host PIN Verification
ATM Com ATM DCM TMM SAM CPM Security AIM
Request 0200 02000200
0200
0200
02100210Reply
Completion 0202
ATM Transaction Message FlowATM Transaction Message Flow
• OAR Processing, No Host PIN Verification
ATM Com ATM DCM TMM SAM CPM Security AIM
Request 02000200
0200 (OAR=Y)
0200
02100210Reply
Completion 0202
0200 (OAR=Y)OAR Reply
OAR Response 0200 0200
ATM Transaction Message FlowATM Transaction Message Flow
• Denied by DCM, No Host PIN Verification
ATM Com ATM DCM TMM SAM CPM Security AIM
Request 0210
Completion 0202
Reply
ATM Transaction Message FlowATM Transaction Message Flow
• Denied by TMM, No Host PIN Verification
ATM Com ATM DCM TMM SAM CPM Security AIM
Request 0200
Completion 0202
0210Reply
ATM Transaction Message FlowATM Transaction Message Flow
• Denied by CPM, No Host PIN Verification
ATM Com ATM DCM TMM SAM CPM Security AIM
Completion 0202
0210Reply
Request 02000200
0210
ATM Transaction Message FlowATM Transaction Message Flow
• Denied by AIM, No Host PIN Verification
ATM Com ATM DCM TMM SAM CPM Security AIM
Request 0200 02000200
02100210Reply
Completion 0202
9202 9202
9212
ATM Transaction Message FlowATM Transaction Message Flow
• SAM Time Out, No Host PIN Verification
ATM Com ATM DCM TMM SAM CPM Security AIM
Request 0200 02000200
0210 (50 Response Code)Reply
Completion 0202
9202
9202
9212
ATM Transaction Message FlowATM Transaction Message Flow
• Late Response, No Host PIN Verification
ATM Com ATM DCM TMM SAM CPM Security AIM
Request 0200 02000200
Completion 0202
9202
9202
9212
0210
0210 (50 Response Code)Reply
ATM Transaction Message FlowATM Transaction Message Flow
• Hardware Fault, Misdispense, No PIN Verification, or Customer Timeout
ATM Com ATM DCM TMM SAM CPM Security AIM
Request 0200 0200
0210
0200
Reply
Cancel 0202 (denied)
0210
9202 (denied) 9202
9212
ITM Set ITM Set UUp and Operationp and Operation
• iSeries and ITM Definitions• ITM Naming Conventions• Library List Utility
ITM: iSeries DefinitionsITM: iSeries Definitions
• LibrarySystem LibrariesUser Libraries
• ObjectProgramsFilesLibraries
ITM: iSeries DefinitionsITM: iSeries Definitions
• FileDisplayPrinterSource PhysicalLogical
• ProgramRPG, RPGLE, CLP ,C
ITM: Naming ConventionITM: Naming Convention
ITM Libraries• T - Test / Temporary • C - Custom• D - Data• R - Release• B – Base
• ASILIB
ITM: Naming ConventionITM: Naming Convention
Programs• Product/Owner Prefix – 1 Byte• Component ID (or Free form) – 3 Bytes• Program Function Code – 1 Byte• Free form – 2 Bytes• Program Suffix – 1 Byte
• Example:ZITM6BDRADDC8SER
ITM: Naming ConventionITM: Naming Convention
Online Modules• Product/Owner Prefix – 1 Byte• Module Identifier – 3 Bytes• Program Function Code – 1 Byte• Program Type – 2 Bytes• Program Suffix – 1 Byte
• Example:ZTMM000RZCPM001C
ITM: Naming ConventionITM: Naming Convention
AIM API Programs• Product/Owner Prefix – 1 Byte• Component ID (for Vendor) – 3 Bytes• Program Function Code – 1 Byte• API Type – 1 Byte• Vendor Release Level – 1 Byte• Program Suffix – 1 Byte
• Example:ZAB26P2RZKP36R4R
ITM: Naming ConventionITM: Naming Convention
Physical File• Product / Owner Prefix – 1 Byte• Component ID (or Free form) – 3 Bytes• File Description – 2 Byte• Constant – 1 Byte• File Suffix – 1 Byte
• Example:ADDCCM0PSISONR0PZPARCT0P
ITM: Naming ConventionITM: Naming Convention
Logical File• Product / Owner Prefix – 1 Byte• Component ID (or Free form) – 3 Bytes• File Description – 2 Bytes• Sequence Number – 1 Byte• File Suffix – 1 Byte
• Example:PHYPDT1LSVIPNX2LZMODCT3L
ITM System Internal MessagesITM System Internal Messages
• 01xx – Authorization message• 02xx – Financial transaction message• 04xx – Reversal message• 9xxx – Internally generated message
InterInterLLink: Overviewink: Overview
ATM Network
Communications
IBM AS/400
CommunicationsCard Networks
HSM
And over 100 moreNetworks
Payment G/W:
•Telkom - GSM
•PLN - Tax
CAKRACAKRACommunicationsNetwork
CommunicationsNetwork
EDC Network
Server
Internet Banking
SMS Banking
Phone Banking
Workstation
CommunicationsNetwork
InterLink: FeatureInterLink: Feature
Type of InterLink connection• H2H to EFT Network
With Card ManagementALTO,CAKRA,ATM BERSAMA,BCA,KARTUKU, etc
Without Card ManagementATM BERSAMA,CAKRA, etc
• H2H to Billers/Merchant PLN,TELKOM,SATELINDO,TELKOMSEL,IM3,Pro-XL, etc
• H2H to another application Internet Banking Host, Call Center Host, KIOSK Host,
EXIMBILLS, etc
The Message Data of InterLinkThe Message Data of InterLink
Message Data between hosts are:• Free Format Message data• Fixed Message data• XML• ISO8583
ISO8583 most popular rather than others, many application use it to handle message data between hosts
The Message Data of InterLinkThe Message Data of InterLink
ISO8583 Bit Maps• Started with Message Type Identifier• Following the Message Type Identifier is a bit map. • This “bit map” also called the primary bit map, consists of
64 bits (normally in hexadecimal)• The primary bit map is always present (bits 1-64) with the
most frequently used data elements being indexed from these bit positions.
• Each bit signifies the presence or absence of the data elements associated with the position of bit. Presence is denoted with “1;” absence with “0."
• When first bit value of the primary bit map is “1,” then the secondary bit map is presence.
• The secondary bit map represents data elements between 65-128.
The Message Data of InterLinkThe Message Data of InterLink
ISO8583 Bit Maps
Sample of Primary Bit Maps (Bit #0) F 2 3 E 4 0 0 1 8 8 E 0 8 0 0 01111 0010 0011 1110 0100 0000 0000 0001 1000 1000 1110 0000 1000 0000 0000 0000
Bit on: 1,2,3,4,7,11,12,13,14,15,18,32,33,37,41,42,43,49
Sample of Secondary Bit MapsBit #1 on mean, it has the secondary Bit Maps 0 0 0 0 0 0 0 0 0 2 0 0 0 0 0 00000 0000 0000 0000 0000 0000 0000 0000 0000 0010 0000 0000 0000 0000 0000 0000
Bit on: 103
The Message Data of InterLinkThe Message Data of InterLink
ISO8583 Bit MapsISO8583 0200 Financial Request Sample Data :MSGID BIT#0 BIT#1 BIT#2
0200 F23E400188E08000 0000000002000000 166019810000000003
BIT#3 BIT#4 BIT#7 BIT#11 BIT#12 BIT#13 BIT#14 BIT#15
382099 000000000000 1010114206 366734 114205 1010 0310 1010
BIT#18 BIT#32 BIT#33 BIT#37 BIT#41 BIT#42
6011 06601981 06601981 000000000625 ATMNCR 601981
BIT#43 BIT#49 BIT#103
KAPT. SUBIJANTO TANGERANG 154ID 360 0130021005550012
CMS Concept
Card Concept
•One ATM Card can be attached with up to 4 account numbers with the same type.
•Example:
•1 ATM Card can be attached with 3 saving accounts and 4 current account
•Using Track-1 and Track-2 of magnetic stripe.
CMS Concept
•Track-1: Containing name to be appeared in ATM screen
•Track-2: ISO format
•;123456XXXXXXXXXX=05121011010000?
•Start sentinel = ;
•Card number = 1234 56XX XXXX XXXX
123456 = Bank Institution Number (BIN)
Expiration date = 0512 (not processed)
CMS Concept cont'd
•Service code = 101 (Depend Product)
•Member number = 1
•Language code = 01
•PIN offset = 0000 (not processed)
•End sentinel = ?
CMS Concept
Card ValidationEach transaction request is checked against the card data for the following:•Is the transaction requested allowed by the card ?•Has the card been issued properly ?•How is Card status ? (negative or not)•Is the PIN correct ?•Is transaction still within specified limits ?•Collects information for transaction tracking and limits processing•Account number and type•Present multiple accounts with same type for selection by cardholder