that Authentic can be leveraged as a wholesale payment hub, handling formats such as ISO 20022, and as payments integration middleware. Authentic is written in Java and can support any compliant platform, including Unix, Windows and Linux, with Oracle, SQL and DB2 as database options. It is based on a granular object-oriented design and is highly configurable. Examples of objects are tasks such as check floor limit or validate currency. It ships pre-configured but users can adapt the existing business logic or add new logic, including validation rules. Cornèr Banca runs the system across both Sun Solaris and HP-UX. IBM’s AIX is also an option. A fair few users have Linux. The same version runs on any platform, with no code changes needed, and at all customer sites. There is a messaging component, Message Mapper, for
message transformation, for mapping formats such as ISO 8583 to XML and ISO 20022 to ISO 8583, fixed fields or tagged formats such as Swift. It was part of Authentic from the outset, and continues to be an integral part of NCR’s offering. Message Mapper is platform-independent that supports a Java runtime environment and uses databases such as
Oracle.It can handle both real-time and batch mesaage transformation. In June 2010, Oracle and Alaric announced benchmarks for
Authentic running with Oracle’s GoldenGate data integration and replication offering. The tests saw the Oracle components used to offload real-time transactional reporting to a reporting database and to implement active-active database configuration while supporting a 100 million cardholder database for authorisations. Authentic was running on five of Oracle’s Sun Sparc Enterprise T5240 application servers using Solaris 10 (each powered by two UltraSparc T2 Plus processors and 32 GB of memory) and Oracle database 11g with Oracle Real Application Clusters running on Sun Sparc Enterprise M9000 servers (each with twelve SPARC64 VII processors and 192 GB of memory). Authentic recorded throughput of 10,864 transactions per second with an average response time of 200 milliseconds. GoldenGate enabled bi-directional replication between two active-active sites simulated as being 800 miles apart, the system delivering throughput of 9348 transactions per second without degradation of response times. The fraud detection system for card issuers and acquirers,
Fractals, uses a predictive model, with the ability to ‘learn’ over time, rather than a neural model. It was added in 2001 and is
Authentic technical details
First developed: 2000. Commercially available: 2000. Origins: Generic development from scratch. Original platform: Stratus, IBM, SUN, HP, Dell - anything that supports Java/Oracle/DB2/SQL. Current server platforms: As above. Current client platforms: Windows-based PCs Method of holding data: Uses either Oracle, SQL or DB2 database. Language written in: Java.
Payment Systems & Suppliers Report |
www.ibsintelligence.com 47
also written in Java. Although originally developed for card fraud detection, Alaric claims Fractals is also suitable for anti-money laundering (AML) and enterprise fraud detection. There were around twelve users of this by the end of 2010. The software division of Eurobank signed in 2004 to distribute Fractals; Eurobank itself implemented the system in 2006. A new release of Fractals in the first half of 2013 was intended to add enterprise capabilities across internal and external data sources for real-time detection of Card Not Present fraud, plus a mobile online alert capability. Alaric CEO, Mike Alford, said in May 2012 that he expected the company to close eight deals in the first quarter of its new financial year (to 30th June), with fraud detection the hottest area at this time. Two of the pending deals were for Fractals from US banks; there was also an Authentic deal in the pipeline from Asia Pacific. ‘There are some horrendous losses when you go out into the market and get below the surface,’ he said. He believed some of the worst publicised security breaches, such as at Princeton-based Heartland Payment Systems (130 million cardholder details hacked) and Atlanta-based Global Payments (potentially two million cardholder details hacked), took twelve months or more to discover. With the new release of Fractals, it should be possible to spot such breaches much earlier, he claimed. By early 2013, he was hoping for delivery of the release by the end of the quarter, followed by a beta implementation. Heartland Payment Systems signed for Fractals in mid-2013. In June 2016, NCR-Allevo launched the new version of Authentic, which is the first major payments platform to be compliant with the PA-DSS 3.1 standard. The omni-channel transaction-processing platform which is a key part of the NCR’s CxBanking offering has over 55 new features with enhanced security.
In Nov 2016, NCR announced the launch of its new systems, NCR SelfServ 19 Print and NCR SelfServ 19 Select. The SelfServ 19 terminals provide various new facilities, such as, contactless access to functions, scanning of transfer forms and video assisted services to the customers. In February 2017, NCR Corporation and Bottomline
Technologies teamed up to integrate the former’s Authentic transaction platform into NCR’s Faster Payments Service.
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