IBM PureSystems Centre

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Banking Production Center
IBM PureFlex System
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SmartVista is a suite of integrated, scalable and secure solutions covering every aspect of electronic payments processing. SmartVista will help you transform your payments business, helping you launch new products in days rather than weeks, dramatically lowering your total cost of ownership.
  • - Business Value

    Pattern Overview

    SmartVista is a highly available end-to-end e-payments solution. SmartVista’s broad range of capabilities effectively support and manage payments across all channels, including ATM/POS, Internet, and mobile. From credit and debit cards to loyalty programs and multi-application smart cards, SmartVista supports all aspects of card management.

    In addition, SmartVista has been certified by the world’s leading payment brands, including American Express, Diners Club, MasterCard, and Visa including certification for EMV issuing and acquiring. SmartVista also detects and prevents fraud to improve your bottom line. Whether you are a card issuer, an acquirer or a bank requiring broad-based e-payment functionality, SmartVista delivers a full suite of software to transform the way your organization manages electronic payments. 

    SmartSwitch - high performance, real-time, rules-driven switching and authorization.

    SmartIssuer - rapidly launch new products and support all card types including contactless, virtual, prepaid, debit and credit.

    SmartMerchant - manage merchant relationships completely. 

    SmartATM - sophisticated ATM network management, with advanced cash management.

    SmartPro - automate and streamline card production.

    SmartBilling - automate card billing and accounting for retail payments.

    SmartGuard - real-time, online fraud prevention using sophisticated rules-driven approach.

    SmartLoyalty - innovative loyalty program management.

    Smart@Bank - integrated internet and mobile banking.

    Business Case

    SmartVista is designed to support the payment needs of innovative organizations in a number of sectors, including:

    • Financial services
    • Transportation
    • Retail
    • Telecommunications
    • Government 

    In Financial Services, SmartVista supports the needs of card issuers, acquirers and merchant processors. The breadth and depth of SmartVista's functionality ensures that it can support virtually any payments-related requirement - from ATM / POS management, to card issuing and loyalty program management. In addition SmartVista's sophisticated fraud prevention solution can be used to stop fraud before it affects customers.

    In Transportation, SmartVista can be used to power a wide range of applications, including smart-card based payment solutions and loyalty schemes.

    In Retail, SmartVista can help retailers and merchant processors address the challenges created by increasing transaction volumes and new payment methods, such as contactless, NFC, EMV and mobile.

    In Telecommunications, SmartVista can help capitalize on the opportunities created by mobile payments, and e-wallets.

    In Government, SmartVista can be used to help move from paper-based interaction with citizens to electronic, smart-card based interactions.

    SmartVista's unique combination of comprehensive functionality, flexibility and advanced technology ensures that it can be used to solve virtually any challenge related to cards and payments.

    Business Problem

    SmartVista solves a wide range of business challenges related to payments, including; supporting new payment methods, EMV migration, card fraud prevention, interconnecting ATM networks, merchant processing. The solution's flexibility and comprehensive functionality ensures that it can solve virtually any payment related problem.

  • -Technical Details

    SmartVista is a comprehensive, end-to-end e-payments solution, providing fully functionality, including:

    • Compete support for all card types, including credit, debit, virtual, prepaid, EMV
    • Comprehensive ATM management, including key management, cash forecasting, network monitoring
    • Many-to-many linkage between international / domestic brand cards and customer accounts
    • Unlimited hierarchies to support merchant organisations
    • Flexible & parameterised system to accrue and apply merchant services charges
    • Advanced, rules-based fraud prevention system
    • Advanced customer application management & processing
    • User definable limits for all entities held in the system

  • - More Information

    Provider Information

    Name: Mr. Daragh O'Byrne


    Phone: +7 (495) 780-3165

PureSystems patterns are part of a broad portfolio of PureSystems solutions for business, cloud, and infrastructure applications.

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