The OMNIs – OmniPayments

Transaction and Infrastructure Services

Introducing the OMNIs

OmniPayments is a component-based software design that permits the creation of flexible business services, the kind that users can develop and deploy quickly to enhance the customer experience. The core of OmniPayments is a set of Business Logic Modules, or BLMs. As a whole, they comprise the OMNIs, whose open architecture (SOA) allows OmniPayments’ building blocks and business modules to interact not only with each other but also with existing in-house systems and third-party solutions. While all components are included within OmniPayments, some can be purchased separately.

Transaction Services

OmniPayments provides a full set of functionalities to support payment transactions that are acquired, authenticated, routed, switched and authorized across multiple input channels, including ATMs, POS terminals, kiosks, IVRs, and the Internet. OmniPayments allows the transaction originator (acquirer) to initiate a payment request and to receive authorization for an action on a customer card or an account from a transaction authorizer (issuer). It routes the transaction between the originator and the authorizer and can accommodate both on-us and not-on-us transactions. For transactions that need to go to external issuers, OmniPayments provides switch interfaces and optional stand-in functionality when the issuer is unavailable. Central to OmniPayments’ transaction services are three primary components – ATM, POS, and Switch.

OmniATM

OmniATM provides ATM terminal driving and broad support for the industry’s most popular ATMs. ATMs can be driven in their native modes, thereby optimizing their capabilities. They also can be uniquely loaded and controlled from a centralized location. We currently support over 14,000 ATMs.
OmniATM Solution Brief

OmniPOS

OmniPOS is available for financial institutions that desire the ability to directly control a POS terminal network and provide merchant settlement and reporting. The module serves as a front end and mediates communication between the POS terminal network and the authorization application(s).

OmniSwitch

OmniSwitch interrogates acquiring and issuing transaction messages, performs required actions, and applies rules and routing decisions both on-us and not-on-us – according to financial institutions’ unique configurations. It currently accommodates more than 50 national, and international interchanges

Infrastructure Services

The primary function of OmniPayments is to route financial transactions to issuing banks for authorization. However, OmniPayments offers additional services to support credit-card and debit-card use. These services are provided via our flexible Business Logic Modules (BLMs), each tasked with enabling a specific function. For instance, OmniAuth provides authorization services, OmniOffender is an interactive performance monitor, and OmniHub coordinates end-of-day settlement processing. OmniPayments’ structured design permits the ongoing addition of new BLMs that can support new features and business functions as the market demands.

OmniAuth

OmniAuth is a preauthorization engine that removes a significant processing load from issuing banks. It enables transaction screening before bank authorization is invoked. Preauthorization services are based on frequency of transactions and financial limits. Preauthorization rules can apply to numerous classifications of transaction sources.

OmniConsole

OmniConsole is the primary operations and configuration tool. It is a secure, web-based facility via which system administrators can monitor, control, and configure OmniPayments without the requirement for system downtime. OmniConsole is menu-formatted so that operators easily can enter commands by pressing specific function keys.

OmniCrypto

OmniCrypto delivers role-based and permissions-based authentication and authorization, hardware and software encryption for data-at-rest and data-in-flight, management and migration tools to simplify and speed implementation, and digital certificates and signatures for e-commerce applications.

OmniDash

OmniDash is a digital dashboard that permits a real-time view of transaction flow throughout the system and provides historical data for later analysis. It can be used to determine the drill-down status of every OmniPayments component. OmniDash can run on NonStop or on a separate LInux/MySQL server.

OmniDirector

OmniDirector is a rules-based routing engine that serves as the OmniPayments foundation for communication over a variety of protocols and to provide data transformation, intelligent routing, and custom business functions. OmniDirector offers the core services necessary for an enterprise to operate in real time.

OmniHub

OmniHub consolidates transaction feeds into an Operational Data Store (ODS) for enterprise monitoring and for driving other applications. It coordinates end-of-day settlement processing with the acquisition devices, the bank’s host authorization systems, and the remote issuing banks.

OmniLogger

OmniLogger provides four-point logging with optional encryption of transaction requests and responses as they enter and leave the system. It generates statistical data for business analysis and reporting while enabling extensive transaction dumping capability. It optionally can encrypt the complete transaction message before it is written to the database.

OmniMessaging

OmniMessaging is a complete universal messaging solution that provides support for multimedia messaging services for e-mail, voice messages, and short message service (SMS) alerts, and streaming multimedia to cell phones and mobile devices. The application generates call detail records (CDRs) for billing and SNMP events to HP OpenView* for manageability.

OmniOffender

OmniOffender is a fast and interactive performance monitor that provides an intricate view of the HP NonStop server on a 24×7 basis. It integrates seamlessly with applications on the platform and collects and analyses Measure Data generated by the Offender application. OmniOffender automatically detects and displays potential system bottlenecks.

OmniReplicator

OmniReplicator is OmniPayment’s bidirectional data replication engine. Its active/active architecture enables customers to achieve continuous availability by allowing two or more HP NonStop nodes to share an application’s processing load. No third party data-replication engine is required.

OmniScheduler

OmniScheduler allows the system operator to schedule jobs based on the nature of the job, i.e., the time that the job will take to execute and the most appropriate time for running it. It helps the operator run cleanups and other backend activities while avoiding the peak load times.

OmniStandin

OmniStandin is an optional module that allows OmniPayments to perform “stand in” processing when a business-critical service, e.g., authorization, is down. If a host is unavailable, OmniStandin automatically is activated and verifies transactions against bank-established parameters. Transactions are queued and are posted to the host upon its return.