Headquarters: 3170 Fairview Park Drive, Falls Church, VA 22042, US Tel: +1 703 876 1000 Main PTS HQ: CSC Deutschland Solutions GmbH, Abraham-Lincoln-Park 1, 65189 Wiesbaden, Germany Tel: +49 611 142 23709 Email:
deutschland@csc.com Other Offices: Main offices in Australia, Denmark, France, Singapore, UK Website:
www.csc.com Twitter: @CSC Contacts: Thomas Riedel (PTS) Tel: +49 89 5908 6497 Email:
triedel@csc.com Malcolm Cressey (Celeriti Cards & Merchant) Tel: +44 (0) 7775 704655 Email:
mcressey@csc.com Founded: 1959 Ownership: Publicly held, listed on NYSE (CSC) Number of staff: CSC has 80,000 employees in more than 70 countries worldwide. 15 specialists devoted to development of PTS. 400+ working with CAMS II Number of clients: PTS Clients: 70 Principal technical partners: IBM, Oracle Payments products: PTS Software Suite, Celeriti Cards, Celeriti Merchant Categories: Retail payments processing, wholesale payments processing, card management
Product suite
The payments offering, PTS, was originally written in Smalltalk and is platform independent. The development kicked off in 2001. It came out of CSC’s German business unit, CSC Ploenzke, inspired by the belief that banks would need to overhaul their legacy payment infrastructures, something that was borne out with the emergence of SEPA. The solution has seen good take-up in Germany, with CSC
claiming around 70 banks as users. One notable recruit has been Crédit Mutuel (formerly Citibank) for its German retail business at Targobank. A SEPA module was added, with seven banks going live with this for the January 2008 arrival of SEPA Credit Transfers (Commerzbank was among those to do so with this, within a project which went ‘very smoothly’, according to the bank’s head of international payments, Horst Rinkenberger). The payments system clearly resides within a large parent company with global reach and some other potentially complementary applications (such as its cards processing system). However, CSC is not renowned for its software sales and PTS does not have a high profile outside Germany. CSC has hoped to rectify this and to use the continued SEPA wave in particular to push the system beyond Germany. CSC was apparently in contact with one or two UK banks on this front. PTS is run by a separate ‘competency group’ within the financial services part of CSC. About 30 people work on the system, some of which are consultants who also work on other areas. The full-time team of 15 people was headed by Thomas Riedel.
PTS is a standardised modular application for processing
payments transactions – domestic and cross-border, mass payments and high-value payments. It sits between a bank’s core accounting system(s) and the bank’s various gateways. It handles all payment processes including formatting,
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validating, routing, accounting and charging. The system allows banks to select routing strategies for payments, according to settlement instructions and bilateral/ multilateral agreements including internal routing (multi- branching), bilateral relationships (correspondents) and selection of ACHs (clearing). PTS provides a many-to-many connection for both incoming and outgoing payment messages. Each core accounting system has one connection for all payment gateways and each payment gateway has one connection for all core accounting systems.
A single instance of PTS can support all the operations of a
bank, according to CSC (within and across national borders) as well as catering for in-sourced payment services from other financial institutions. PTS supports full separation of information between operating units and financial institutions. PTS supports DB2 and Oracle 11g at the database level, with Windows/Unix/z/OS host. It is written in Cobol, Java and Smalltalk (the roadmap is to upgrade to Java) and it has a thin client user interface. CSC’s card and merchant processing system, CAMS II, has clients such as Equens, Barclaycard, MasterCard and SiNSYS. It is multi-language, multi-currency and multi-operator. It has traditionally been aimed at the top end of the market, with the benchmark tests showing support for 100 million active cardholder accounts, be they credit, debit or prepaid at rates in excess of 3000 transactions per second. CSC has worked to make the offering more attractive to tier two banks, as opposed to the tier one outfits it was built for. This decision followed an internal analysis which showed
that around 70 per cent of the opportunities for CAMS II had been from small and medium sized banks. This particularly meant working to reduce implementation times. Meanwhile, work was also done to make the offering SOA-enabled.
Payment Systems & Suppliers Report |
www.ibsintelligence.com
company details
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