Tieto Payment SuiteMaking payments pay off

Why Tieto?Benefit from our leading and proven •payment solutions to reduce operational costs and improve your services

Profit from our extensive expertise and •experience in payments and integration of payment solutions in complex international bank environments

Work together with a well-established and •leading solution integrator in Europe

Reduce risks by choosing a trusted partner •with a long-standing track record within payments and a Nordic best-practice heritage

Get to know Tieto’s vision on payment •strategies in the European market

Get in touch with the leading visionary •and service provider on the latest eSEPA developments like eInvoicing

Please contact Dagfinn LoenSales Manager Payment SolutionsPhone: +47 2 331 9209Mobile: +47 9085 5559E-mail: dagfinn.loen@tieto.comwww.tieto.com/payments

Highlights Tieto Payment Suite

One integrated suite of products for all •payment typesCompliant with the latest industry •developments (amongst others SEPA, UNIFI, SWIFT, MT202COV)Highly parameterisable via UI•Comprehensive multi-bank and •white-labeling capabilitiesMulti-channel support•Modular, SOA based architecture•Common data repository based on •industry standards (UNIFI, SWIFT) Comprehensive API (web services) for •integration with bank systems Designed for high volume processing•

High availability and robustness•

The payment industry is going through a period of turmoil right now. Declining revenues, upcoming new regulations such as the PSD and SEPA DD rulebooks, outsourcing & insourcing, ACH consolidation, and many more. No matter what their size, every bank needs solutions to meet these upcoming chal-lenges. Large banks and payment processors must improve efficiencies and consolidate processing in order to reduce costs and improve their services to gain market-share in a highly competitive payment insourcing market. This requires highly flexible solutions that can be configured with ease to meet the

commercial and operational requirements of a very demanding payment market. Smaller banks that want to outsource certain parts of their payment processing need solutions to do so without impacting the services they provide to their customers.

More and more banks turn to Tieto for their needs in payments. And with good reason. The Tieto Payment Suite is a flexible and proven solution, fit for large-scale organisa-tions as well as smaller banks. The banks using Tieto Payment Suite have found out that there is money to be made in payments.

Facing your payment challenges

Highlights Tieto Payment Suite

One integrated suite of products for all •payment typesCompliant with the latest industry •developments (amongst others SEPA, UNIFI, SWIFT, MT202COV)Highly parameterisable via UI•Comprehensive multi-bank and •white-labeling capabilitiesMulti-channel support•Modular, SOA based architecture•Common data repository based on •industry standards (UNIFI, SWIFT) Comprehensive API (web services) for •integration with bank systems Designed for high volume processing•

High availability and robustness•

The payment industry is going through a period of turmoil right now. Declining revenues, upcoming new regulations such as the PSD and SEPA DD rulebooks, outsourcing & insourcing, ACH consolidation, and many more. No matter what their size, every bank needs solutions to meet these upcoming chal-lenges. Large banks and payment processors must improve efficiencies and consolidate processing in order to reduce costs and improve their services to gain market-share in a highly competitive payment insourcing market. This requires highly flexible solutions that can be configured with ease to meet the

commercial and operational requirements of a very demanding payment market. Smaller banks that want to outsource certain parts of their payment processing need solutions to do so without impacting the services they provide to their customers.

More and more banks turn to Tieto for their needs in payments. And with good reason. The Tieto Payment Suite is a flexible and proven solution, fit for large-scale organisa-tions as well as smaller banks. The banks using Tieto Payment Suite have found out that there is money to be made in payments.

Facing your payment challenges

The Tieto Payment Suite is designed with a ”fit for purpose” in mind. Its flexible and modular structure is very well suited for a gradual migration from a siloed payment processing environment towards a single con-solidated platform to fulfil your payment strategy – whether or not insourcing or outsourcing is on the agenda.

Its flexibility and comprehensive ‘multi’ features makes Tieto Payment Suite extremely suited for the insourcing of payment processing from other financial institutions.

Besides a comprehensive version for transaction banks, Tieto also offers an ‘Express’ version of its Payment Suite that is optimized for banks that want to outsource the clearing and settlement of their

payments to other banks or processors. Tieto Payment Suite Express is an easy to implement and operate solution that takes care of the complete payment life-cycle from origination until settlement reconciliation. The Payment Suite Express solution is provided with plug-and-play interfaces for various payment processing service providers.

All enhanced channel services of the Tieto Payment Suite are also included in the Express version, which makes it possible for outsourcing banks to provide their customers new revenue generating services and improved customer experience.

Fit for purpose

Tieto Payment Suite is a highly competitive, modern and proven solution from Tieto’s Financial Services division. It is part of Tieto’s full service offering to help banks and payment processors with their payment and corporate banking related opportunities and challenges. Besides software solutions, Tieto’s full service offering comprehends :

Strategic consultancy –Solution integration and professional services –Business transformation services –Application management and hosting services –

Full service offering

The Tieto Payment Suite is designed with a ”fit for purpose” in mind. Its flexible and modular structure is very well suited for a gradual migration from a siloed payment processing environment towards a single con-solidated platform to fulfil your payment strategy – whether or not insourcing or outsourcing is on the agenda.

Its flexibility and comprehensive ‘multi’ features makes Tieto Payment Suite extremely suited for the insourcing of payment processing from other financial institutions.

Besides a comprehensive version for transaction banks, Tieto also offers an ‘Express’ version of its Payment Suite that is optimized for banks that want to outsource the clearing and settlement of their

payments to other banks or processors. Tieto Payment Suite Express is an easy to implement and operate solution that takes care of the complete payment life-cycle from origination until settlement reconciliation. The Payment Suite Express solution is provided with plug-and-play interfaces for various payment processing service providers.

All enhanced channel services of the Tieto Payment Suite are also included in the Express version, which makes it possible for outsourcing banks to provide their customers new revenue generating services and improved customer experience.

Fit for purpose

Tieto Payment Suite is a highly competitive, modern and proven solution from Tieto’s Financial Services division. It is part of Tieto’s full service offering to help banks and payment processors with their payment and corporate banking related opportunities and challenges. Besides software solutions, Tieto’s full service offering comprehends :

Strategic consultancy –Solution integration and professional services –Business transformation services –Application management and hosting services –

Full service offering

Information repository

Common functions

Channelservices

Paymentengine

CSMgateway

Other bank domains

Customer and

bank staffchannels

Corporates

Retail

Fis

Bank staff

CSMs

Customer channel servicesComprehensive customer channel functionality, such as:•

Origination, authorization and validation –of payment instructionsTracking & tracing of payments –Customer (self-service) configurable –multi-channel notification and alertingScheduling of future dated payments –and standing ordersReporting facilities –

Support of multiple message formats, •including UNIFI and FINIntegration layer (API) for seamless integration with •(existing) customer channels and other bank systems

Bank staff channel servicesComprehensive bank staff channel •functionality, featuring:

Registration of products and –customer agreements, including corresponding tariff structureConfiguration of payment –processing business rulesTracking & tracing of payments –Manual entry/repair of payments –

Role based access control for bank •staff to functions as well as dataSingle task-lists with all activities to be •executed by a certain bank staff roleIntegration layer (API) for seamless integration with •(existing) bank staff channels and other bank systems

Payment engineOne single payment engine for processing •of all payment types for multiple entitiesProcessing flows and rules •configurable by bank staff via UIAbility to apply different business rules per •payment instrument, bank entity, currency, etc.Comprehensive routing & settlement •rules definable per bank entitySupport of multiple clearing & settlement •mechanisms (CSMs), including:

On-us (book transfers) and internal ACH –Bi-lateral and correspondents –TARGET2, CHAPS –EBA, VocaLink, Equens –National payment schemes –

Configurable exception handling actions •(automated repair, reject, manual repair)Integration layer (API) for seamless •integration with other bank systems

CSM gatewayComprehensive SWIFTNet solution, featuring:•

Support of FIN, FileAct and InterAct –Support of MT and MX message types –Comprehensive message validation –Tracking & tracing of exchanged files/messages –Automated message repair –Manual message creation / repair –

Data transformation facilities supporting •multiple message standardsBulking and debulking of files •exchanged with CSMs, featuring

Full SEPA rulebook compliant, including –validations, R-transactions and ISO20022Out-of-the-box support of multiple –CSMs, including STEP2Generation of settlement accounting entries –Reconciliation of settlement reports –

Common functionsCommon modules, also applicable •as standalone applications:

Automated repair (ProRepair) –Reconciliation (ProMatch) –Regulatory sanction verifications (ProScan) –Exception and claim management (ProClaim) –

Information repositoryCommon repository with static data, •business rules and transactional dataPayment data repository based on industry •standards such as UNIFI and SWIFTActivity log containing all automated •and manual activitiesSupport for a large number of standard data •feeds (e.g. BicPlusIban, Sepa, ISCD, SSI, etc.)

Information repository

Common functions

Channelservices

Paymentengine

CSMgateway

Other bank domains

Customer and

bank staffchannels

Corporates

Retail

Fis

Bank staff

CSMs

Customer channel servicesComprehensive customer channel functionality, such as:•

Origination, authorization and validation –of payment instructionsTracking & tracing of payments –Customer (self-service) configurable –multi-channel notification and alertingScheduling of future dated payments –and standing ordersReporting facilities –

Support of multiple message formats, •including UNIFI and FINIntegration layer (API) for seamless integration with •(existing) customer channels and other bank systems

Bank staff channel servicesComprehensive bank staff channel •functionality, featuring:

Registration of products and –customer agreements, including corresponding tariff structureConfiguration of payment –processing business rulesTracking & tracing of payments –Manual entry/repair of payments –

Role based access control for bank •staff to functions as well as dataSingle task-lists with all activities to be •executed by a certain bank staff roleIntegration layer (API) for seamless integration with •(existing) bank staff channels and other bank systems

Payment engineOne single payment engine for processing •of all payment types for multiple entitiesProcessing flows and rules •configurable by bank staff via UIAbility to apply different business rules per •payment instrument, bank entity, currency, etc.Comprehensive routing & settlement •rules definable per bank entitySupport of multiple clearing & settlement •mechanisms (CSMs), including:

On-us (book transfers) and internal ACH –Bi-lateral and correspondents –TARGET2, CHAPS –EBA, VocaLink, Equens –National payment schemes –

Configurable exception handling actions •(automated repair, reject, manual repair)Integration layer (API) for seamless •integration with other bank systems

CSM gatewayComprehensive SWIFTNet solution, featuring:•

Support of FIN, FileAct and InterAct –Support of MT and MX message types –Comprehensive message validation –Tracking & tracing of exchanged files/messages –Automated message repair –Manual message creation / repair –

Data transformation facilities supporting •multiple message standardsBulking and debulking of files •exchanged with CSMs, featuring

Full SEPA rulebook compliant, including –validations, R-transactions and ISO20022Out-of-the-box support of multiple –CSMs, including STEP2Generation of settlement accounting entries –Reconciliation of settlement reports –

Common functionsCommon modules, also applicable •as standalone applications:

Automated repair (ProRepair) –Reconciliation (ProMatch) –Regulatory sanction verifications (ProScan) –Exception and claim management (ProClaim) –

Information repositoryCommon repository with static data, •business rules and transactional dataPayment data repository based on industry •standards such as UNIFI and SWIFTActivity log containing all automated •and manual activitiesSupport for a large number of standard data •feeds (e.g. BicPlusIban, Sepa, ISCD, SSI, etc.)

The Tieto Payment Suite is characterized by a high level of flexibility and configurability. The solution is provided with a large number of parameters so that the specific commercial and operational require-ments of your organization can be met in an optimal way. These parameters can be set with ease by your business staff via the user-friendly and intuitive user interface of the solution. This also makes it possible

to implement changes in your payment processing environment in a short time frame and without the necessity of coding. All parameters contain a start and end date which makes it possible to have the changes in the configuration registered upfront and have the system automatically activate these changes on the specified start-date.

Flexibility is key

Tieto Payment Suite supports a wide range of ‘multi’-features, such as:•Bankentitiesandstructures•Paymentinstrumentsandcurrencies•Productandproductconditions•CSMsandrouting&settlementpolicies•Distributionchannels•Languagesandtimezones

As part of the system configuration the Tieto Payment Suite offers a broad set of configu-rable automated repair rules which enables banks to achieve the highest levels of STP and operational efficiency.

The Tieto Payment Suite is characterized by a high level of flexibility and configurability. The solution is provided with a large number of parameters so that the specific commercial and operational require-ments of your organization can be met in an optimal way. These parameters can be set with ease by your business staff via the user-friendly and intuitive user interface of the solution. This also makes it possible

to implement changes in your payment processing environment in a short time frame and without the necessity of coding. All parameters contain a start and end date which makes it possible to have the changes in the configuration registered upfront and have the system automatically activate these changes on the specified start-date.

Flexibility is key

Tieto Payment Suite supports a wide range of ‘multi’-features, such as:•Bankentitiesandstructures•Paymentinstrumentsandcurrencies•Productandproductconditions•CSMsandrouting&settlementpolicies•Distributionchannels•Languagesandtimezones

As part of the system configuration the Tieto Payment Suite offers a broad set of configu-rable automated repair rules which enables banks to achieve the highest levels of STP and operational efficiency.

The Tieto Payment Suite is based on an open, service-oriented architecture in which re-usable components are accessible as self-contained services according to SOA-based design principles. The large number of interfacing points (API) makes Tieto Payment Suite extremely suited for a seamless integration with other systems without the necessity of code changes in the standard product.

Via the ‘outbound interface points’, the Tieto Payment Suite can request functionality (services) from other systems inside or even outside your organisation. Via the UI of the Tieto Payment Suite, bank staff is able to configure where and when these ‘outbound interfaces’ within the process flow of a payment need to be activated.

For the integration between the interface points (API) of the Tieto Payment Suite and the other systems, you can utilise integration (EAI) tools according to your own preference. This approach does not only allow you to have a maximum leverage of your existing integration infrastructure, but also gives you the freedom to have the integration activities executed by a party of your choice, whether this is Tieto, your own IT department or a 3rd party solution integrator.

The ‘inbound interface points’ of the Tieto Payment Suite enable other bank systems to access functions and data (services) that is provided by the Tieto Payment Suite. This allows you as a bank to offer your customers new and improved payment services with better user experience via your existing channels. And your customers shouldn’t expect anything less.

Open service oriented architecture

Flexibility

Fit for purpose

Industry compliant

Highly parameterised

Comprehensive ‘multi’-features

SOA based archicture

Extensive integration capabilities

Scalable and robust

ISO20022

Value added services Insourcing

Outsourcing

SEPAProven

The Tieto Payment Suite is based on an open, service-oriented architecture in which re-usable components are accessible as self-contained services according to SOA-based design principles. The large number of interfacing points (API) makes Tieto Payment Suite extremely suited for a seamless integration with other systems without the necessity of code changes in the standard product.

Via the ‘outbound interface points’, the Tieto Payment Suite can request functionality (services) from other systems inside or even outside your organisation. Via the UI of the Tieto Payment Suite, bank staff is able to configure where and when these ‘outbound interfaces’ within the process flow of a payment need to be activated.

For the integration between the interface points (API) of the Tieto Payment Suite and the other systems, you can utilise integration (EAI) tools according to your own preference. This approach does not only allow you to have a maximum leverage of your existing integration infrastructure, but also gives you the freedom to have the integration activities executed by a party of your choice, whether this is Tieto, your own IT department or a 3rd party solution integrator.

The ‘inbound interface points’ of the Tieto Payment Suite enable other bank systems to access functions and data (services) that is provided by the Tieto Payment Suite. This allows you as a bank to offer your customers new and improved payment services with better user experience via your existing channels. And your customers shouldn’t expect anything less.

Open service oriented architecture

Flexibility

Fit for purpose

Industry compliant

Highly parameterised

Comprehensive ‘multi’-features

SOA based archicture

Extensive integration capabilities

Scalable and robust

ISO20022

Value added services Insourcing

Outsourcing

SEPAProven

Tieto Payment SuiteMaking payments pay off

Why Tieto?Benefit from our leading and proven •payment solutions to reduce operational costs and improve your services

Profit from our extensive expertise and •experience in payments and integration of payment solutions in complex international bank environments

Work together with a well-established and •leading solution integrator in Europe

Reduce risks by choosing a trusted partner •with a long-standing track record within payments and a Nordic best-practice heritage

Get to know Tieto’s vision on payment •strategies in the European market

Get in touch with the leading visionary •and service provider on the latest eSEPA developments like eInvoicing

Please contact Dagfinn LoenSales Manager Payment SolutionsPhone: +47 2 331 9209Mobile: +47 9085 5559E-mail: dagfinn.loen@tieto.comwww.tieto.com/payments