RuProcessing Center (LProc) is a suite of software modules designed to provide full-scale processing of bank payment cards
A suite of software modules designed to provide full-scale processing of bank payment cards, including card issuance, acquiring, clearing, ATM processing, and compliance with the PCI DSS security standard. The system also provides APIs for integration with third-party systems.
Module Logical Diagram
Processing Center Acquiring Interface (PC/AI)
Acquiring Management Module
Import of merchant and terminal data from the master system
Management of acquiring online fees and commissions
Online transmission of information to the FRONT system
Online ingestion of acquiring financial transaction flows
Processing of acquiring transactions and preparation of data for Belkart clearing and settlements
Analysis and processing of transactions and batches (creation of reversals, deletion)
Support for multiple card types and payment systems, various transaction types, and maintenance of Bank and BIN reference directories
Reporting for Payment Systems (PS), the National Bank of the Republic of Belarus (NBRB), and statistical reporting
Advantages:
Ability to independently manage settlement processes with merchants and PS
Efficient handling of dispute cases and reversals
Processing Center Retail Interface (PC/RI)
Issuance Management Module
Registration of customer data, contracts, card accounts, and cards via the user interface (UI)
Integration with the Automated Banking System (ABS) module via SOAP (JSON) for management of customers, contracts, accounts, cards, and transaction postings (credits/debits)
Maintenance of accounts in multiple currencies, including multi-currency accounts
Ability to set credit limits, minimum balance requirements, and minimum available account amounts
Support for card types: primary, supplementary, and corporate cards
Support of card personalization processes (card number generation, EMV parameter creation, and interaction with the personalization module)
Import and processing of clearing transaction files
Import of data from the online module and placement of holds (authorizations) on customer accounts
Automatic matching of holds, user interface for manual matching and release of holds, and configuration of hold rules
Import of issuer bank exchange rates
Maintenance of localization and partner reference directories
Configuration and calculation of issuer financial and non-financial fees (cash withdrawal, transfers, PIN change, balance inquiry, etc.)
Integration with the ABS for transaction export
Integration with the online module via a Kafka broker
Account and card statements, including email distribution
Issuance and card stock (card blanks) reporting
Advantages:
Full preparation of data required for card personalization
Wide range of issuer fees and commissions
Real-time online interaction with the FRONT system
Processing Center Issuing Authorization (PC/ISSAU)
Issuer Authorization Processing Center
Processing of inbound authorization request flows in ISO 8385 format via the Native host-to-host protocol
Cryptographic validation using a Hardware Security Module (HSM)
Configuration of restrictions and limits at the card level, including individual limits
Online blocking of issuer fees, including cumulative fees
Management of online stop lists and blacklists
Real-time interaction with back-end modules
Distribution of SMS notifications for authorization events
Advantages:
Card balance inquiries available via API without initiating an authorization request
Online processing of salary credits, ERIP (United Payment and Information Space) payments, and debit transactions
Acquiring system authorization (PC/АSАU)
Acquiring Authorization System
Connection of terminal equipment and processing of inbound authorization request flows via Native host-to-host (NIF) and POS_ISO_HOST protocols
Maintenance of the bank’s terminal equipment database to support authorization processing and real-time synchronization with the acquiring back-end module
Routing of authorization requests for cards not issued by the bank to the BPC via the Native host-to-host protocol
Cryptographic verification of terminal and transport keys using HSM equipment
Calculation of acquiring fees in accordance with merchant-specific configurations
Real-time interaction with the acquiring back-end module for processing acquiring financial transactions
Provision of role-based access control and dedicated user interfaces
Advantages:
ON-US authorization traffic remains within the bank’s infrastructure
Ability to perform same-day online settlements with merchants
«АТМ Interface» (PC/ATM)
ATM Management System
Registration of new ATMs and configuration of ATM groups within the monitoring system
Monitoring of ATM status, event viewing, parameter configuration, and deployment of configuration changes to ATMs
Creation, editing, and compilation of ATM configuration profiles
Host-side interaction logic with ATMs via NDC and DDC protocols, including initial message exchange during ATM connection and processing of solicited and unsolicited ATM status messages
Receipt and processing of ATM transaction requests, generation of responses according to transaction processing logic, creation and delivery of journal and customer receipts to ATMs, maintenance of ATM counters, and execution of audit procedures
Configuration of payment services and cardless transactions on ATMs
Generation of ATM operational reports
Interaction with the card processing system via ISO 8583 for card transaction authorizations and ATM batch closure during audits and automatically according to a predefined schedule
Interaction with the bank’s ABS for transmission of cardless transaction batches, ATM counters, and cash collection (CIT) information
Advantages:
ATM configuration management and payment scenario setup remain fully under the bank’s control
Cardless transactions operate without interaction with the card processing system and without the use of technical cards
Ability to operate with any card processing system using the industry-standard ISO 8583 protocol
Real-time online interaction with the bank’s ABS
Processing Center Fraud Assessment System (PC/FAS)
Card Fraud Assessment and Prevention Module
Processing and analysis of inbound authorization request flows in ISO 8583 format via REST API, including both approved and declined transactions
Automatic conversion of transaction amounts into a unified currency (FAS amount) to ensure consistent application of fraud monitoring rules
The system enables creation and management of flexible attribute lists, including MCCs, merchants, cards, countries, and time zones
Consideration of multiple time windows for detection of anomalous customer behavior
Building individual customer profiles and generating cases for further investigation
Automatic authorization approval or decline and card blocking based on predefined rules
Generation of reports for selected periods and delivery of email notifications specifying the triggered rule and decline code
Provision of interfaces for rule configuration, list uploads, case management, and statistical analysis with role-based access control
Data visualization capabilities, including interactive dashboards with charts, diagrams, and alerts for monitoring and analytics
Advantages:
Comprehensive automation and flexibility: Real-time authorization analysis, automatic blocking of suspicious transactions, and adaptability to any fraud monitoring rules through customizable lists and configurations
Ease of control and transparency: Intuitive rule management interfaces, visual analytical dashboards, and automated notifications that simplify monitoring and decision-making
Module Architecture and Technologies Used
PostgreSQL Server v.15.x
Application Services: Open jdk 21./ Nginx v.1.20
Load Balancer: HAProxy v.2.4.x (or later)
Client Application (Web Browser):
– Google Chrome, version 89 or later;
– Microsoft Edge, version 89 or later;
– Opera, version 74 or later;
– Mozilla Firefox, version 86 or later.
LPAD Zabbix FTPS