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6
Business
The Group’s business
56
Worldline
2016 Registration Document
cardholder to control the usage of their payment card as
Payment Modulator.
This is product that allows the
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usage. Cardholders are able to set the rules via mobile
well as get information and set alerting rules on the actual
mobile phone via SMS or App notification or sent to their
phone or on a web portal. Alerts are sent to the customer’s
limits, control usage in a particular country, control usage in
email address. The Cardholder can, for example, set the card
certain points of sale;
banks analyze and better understand their payment data.
Data Analytics.
The Group’s data analytics services help
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behavioral clusters and peer group comparisons as well as
Such services include consumer profiles based on
limits and restrictions;
predictive risk profiles and the ability to steer dynamic usage
been deployed in Germany and in Belgium.
to choose their own PIN code. This offering can interface
Self-Selected Pin (SSP).
The SSP solution allows cardholders
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with that of a card personalization provider. This service has
with either the issuer’s card management system (CMS) or
clients within this business line include Rabobank, ABN AMRO,
In addition to those mentioned above, the Group’s principal
Commerzbank and Landesbank Berlin.
ING, OP, LCL, Caisse d’Epargne, Group Banque Populaire,
Card Solutions for Acquirers
6.5.2.2
Core Processing Services for Acquirers
and international card schemes on any transactional device
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merchant post–settlement activities. It is optimized for domestic
POS, ATM, e/m payments.
The Group’s Acquiring Processing solution covers the full
acquiring value chain ranging from merchant contract set-up to
When a cardholder presents a card for payment, card data are
page of a web-shop. From there, a transaction request is
captured either by a terminal or ATM or entered in the payment
or online by the authorization system. After authentication, an
generated with the card being either authenticated at the POS
servers and software applications allow a financial institution to
authorization request is sent to the issuing bank. The Group’s
outsource this function. The Group handles the authentication
requests on behalf of the acquirers as well as the processing of
of the card, the transmission and processing of authorization
processing systems accept payments made through a broad
the related clearing and settlement process. The Group’s
accommodate a full range of transactional devices, including
range of domestic and international card schemes,
that allow the acquirers to monitor the status of authorizations
POS terminals, ATMs, and e/m Payments and include interfaces
and transactions.
ValueAdded Services for CardAcquirers
merchants through its “check service” solution.
services, and in particular its credit scoring system, for
DCC (dynamic currency conversion) and fraud prevention
Value added services such as self-service-tools for merchants,
the Group offers services to allow the acquirer as well as the
solutions support acquirers in their daily business. In addition,
in their respective accounting system. The Group generates
merchant to reconcile transactions and to capture financial data
services as DCC, surcharge or non-financial transactions such as
special reports to help follow up on transactions that include
balance inquiries. The Group also offers check processing
connections between its subsidiaries, the Group can provide
Leveraging its centralized IT-infrastructure and cross-border
in different countries, together with support for multiple
centralized reporting to acquirers or merchants doing business
currencies.
A few examples of clients are: BNP Paribas, Kalixa, Postfinance,
ICBPI
Payment Solutions
6.5.2.3
of solutions that cover the full range of needs in the domain of
The Group offers financial institutions a complete end-to-end set
payments, including
clearing and settlement services;
(i)
SEPA value added services;
(ii)
corporate payments services; and
(iii)
including domestic & cross-border payments, high value
back-office processing services for financial institutions
(iv)
payments, foreign exchange payments and investigations.
Clearing&Settlement Solutions
Reserve Banks.
The Group operates a highly scalable Automated Clearing
and SEPA Direct Debits (SDD) payment services. The Group
House (ACH) platform and provides SEPA Credit Transfers (SCT)
the Group community, we offer reach through an Inter-CSM
ensures full market reach across Europe. Next to its reach within
Clearing House Association) interoperability framework, and by
network of ACHs based on the EACHA (European Automated
reach to the USA through a partnership with the Federal
facilitating a link to the EBA network. The Group has established
A few examples of clients are: ING, Banque Raiffeisen, Rabobank.