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New Features for
2014
What is Velocity Checking?Analysis of purchasing
patterns of an individual
and of their current
transactions to identify
possible irregularities or
trends.
SCL CONFERENCE 2014RESPONDING TO CHANGE
Velocity Checking
• Response to growing demands of HMRC
• Response to growing awareness by criminals
and money launderers
• Response to the personal responsibility of key
executives in our clients organisations
SCL CONFERENCE 2014RESPONDING TO CHANGE
How is Velocity Checking Used?
Web sites
Payment Gateways
Shops
Financial Institutions
SCL CONFERENCE 2014RESPONDING TO CHANGE
Velocity Checking –What can be checked?
Name (first, last, or a combination)
Payment card number
Email address
ID number
Telephone number
SCL CONFERENCE 2014RESPONDING TO CHANGE
Velocity Checking - How does it work in UltraPoS?Version 2.5 and later.
Define criteria to match against (name, address,
phone number, ID etc).
Define products to apply it to.
Define any value amounts to apply.
Transactions exceeding the limit are blocked
SCL CONFERENCE 2014RESPONDING TO CHANGE
Velocity Checking - Where else can it be used?
Online transactions (“unable to complete this transaction, please visit your local store”).
Payment gateway – check the number of times a card has been used through that gateway in a given period.
Payment gateway – frequency of use of the IP address where the transaction originated.
SCL CONFERENCE 2014RESPONDING TO CHANGE
Velocity Checking – Further Enhancements
Display customer transaction history to user.
Dual control.
Block duplicate customer records.
Deferred / advanced / diary orders.
Allow / query / block.
Reporting.
SCL CONFERENCE 2014RESPONDING TO CHANGE
Money transfer from MoneyGram in v2.4
Fully integrated.
No re-keying.
Improved accuracy.
Time saving.
SCL CONFERENCE 2014RESPONDING TO CHANGE
Send MoneyGram
1. Choose your country
1
SCL CONFERENCE 2014RESPONDING TO CHANGE
Send MoneyGram
1. Data populated from MoneyGram’s database
1
SCL CONFERENCE 2014RESPONDING TO CHANGE
Send MoneyGram
1. User is presented with all applicable pay-out currencies
1
SCL CONFERENCE 2014RESPONDING TO CHANGE
Send MoneyGram
1. Select the amount to send in local currency
2. Tick if you wish fees to be included in the send amount
3. Select this if you wish to chose to send an amount in the destination currency
1
2
3
SCL CONFERENCE 2014RESPONDING TO CHANGE
Send MoneyGram
1. Chose whether to use the instant service or the payment to a bank account. Click anywhere on the line to highlight it in yellow as your selection.
1
SCL CONFERENCE 2014RESPONDING TO CHANGE
Send MoneyGram
1. This page collects information about the sender.
2. This is MoneyGram mandated data. If your organisation requires the collection of more data than MoneyGram (for example, the title) this will be collected at a later stage
2
1
SCL CONFERENCE 2014RESPONDING TO CHANGE
Send MoneyGram
1. Collect details about the receiver.
2. Mandatory fields may be triggered by a number of different factors including destination, amount, currency
1
2
SCL CONFERENCE 2014RESPONDING TO CHANGE
Send MoneyGram
1. Capture the ID for the recipient (field is not mandatory – red – in this instance). 1
SCL CONFERENCE 2014RESPONDING TO CHANGE
Send MoneyGram
1. Enter the ID details
1
SCL CONFERENCE 2014RESPONDING TO CHANGE
Send MoneyGram1. Regular transaction line appears
1
SCL CONFERENCE 2014RESPONDING TO CHANGE
Send MoneyGram
1. Customer copy of receipt
2. Senders details
3. Recipient details
4. MoneyGram reference number
1
3
2
4
SCL CONFERENCE 2014RESPONDING TO CHANGE
Send MoneyGram
1. Agent copy of the receipt1
SCL CONFERENCE 2014RESPONDING TO CHANGE
Receive MoneyGram
1. Search for a Money transfer
2. Enter the MoneyGram reference number or
3. Enter the telephone number of the sender or
4. Provide specific details of sender and recipient
2
3
1
4
SCL CONFERENCE 2014RESPONDING TO CHANGE
Receive MoneyGram
1. Enter the reference number and click next.
1
SCL CONFERENCE 2014RESPONDING TO CHANGE
Receive MoneyGram
1. Check the currency and amount
2. Check the status of the transfer
3. Check for any notes. 1 2 3
SCL CONFERENCE 2014RESPONDING TO CHANGE
Receive MoneyGram
1. Customer name as supplied in the original send transaction
1
SCL CONFERENCE 2014RESPONDING TO CHANGE
Receive MoneyGram
1. Collecting identification is mandatory because the field is red
2. Permitted forms of ID.1
2
SCL CONFERENCE 2014RESPONDING TO CHANGE
Receive MoneyGram
1. Enter the ID details
1
SCL CONFERENCE 2014RESPONDING TO CHANGE
Receive MoneyGram
1. Regular transaction line appears
2. Other mandatory customer fields required
1
2
SCL CONFERENCE 2014RESPONDING TO CHANGE
Receive MoneyGram
1. Receipt is two-part, this is the Customer copy
2. Money transfer reference number
1
2
SCL CONFERENCE 2014RESPONDING TO CHANGE
Receive MoneyGram
1. Agent copy of receipt1
SCL CONFERENCE 2014RESPONDING TO CHANGE
Multi-currency Prepaid Cards
Launched in 2010
Visa and MasterCard
Multiple purses on the same account
Australia led the way
UK now playing catch-up
SCL CONFERENCE 2014RESPONDING TO CHANGE
Multi-currency Prepaid Cards
Substantial change in UltraPoS
Fundamental functionality
Will be in v2.5
SCL CONFERENCE 2014RESPONDING TO CHANGE
Multi-currency Prepaid Cards
- Which card products?
– Initially just PrePay Solutions
– Likely to include Access Prepaid (Cash Passport)
– Others if there is demand
SCL CONFERENCE 2014RESPONDING TO CHANGE
Browser Support
• Increased demand for multiple browsers
• IE10 and IE11 contain significant changes
• v2.5 will eliminate need for compatibility
mode in IE
• v2.5 will support Googles’ Chrome
browser
SCL CONFERENCE 2014RESPONDING TO CHANGE
Maintenance changesIncreased demand for ordering sites requires a nimble response to
currency or denomination availability
SCL CONFERENCE 2014RESPONDING TO CHANGE
Online sales with home delivery
also requires timely changes
SCL spend several hours per day
maintaining currencies and
denominations
Maintenance changesCustomers demand a fast response.
SCL enhancing currency maintenance in the UI
Customers able to manage the currency and denomination availability (allocate permission to a particular user type)
Customers can respond to changes quickly and efficiently.
SCL CONFERENCE 2014RESPONDING TO CHANGE
Any Questions?
SCL CONFERENCE 2014RESPONDING TO CHANGE
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