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.
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.
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.