Smart cards are changing the way the world works. By combining credit card size with microchip technology, smart cards put computing power directly into the consumer’s pocket. Accommodating this unique new capability presents severe challenges to traditional transaction processing systems. In order to respond in a timely manner, organizations need a software platform that can deliver on the smart card promise, while integrating with existing systems. A recognized market pioneer, has created such a solution-™. comprises libraries of standard components integrated in three layers. Secure Transaction Modules manage all transaction activity between cards and devices, while providing for a complete audit trail. Application Support Frameworks enable the definition and enforcement of application-specific business rules. Operations Support Managers provide for back-office and system management functions. Various components from each of these three layers can be combined to create complete applications. The object oriented design of  ensures that functions unique to a given environment can be developed and integrated quickly.

Designed from its inception as a flexible platform,  incorporates the complete cycle of functionality required to deliver a comprehensive smart card solution. This

Fundamental Business Flow consists of seven basic steps The first three steps implement the front-end of the cycle-those functions that deal with cards and devices: 1) Card Issuance, 2) Loading, and 3) Card Use.

Examples of front-end applications are Stored Value and Loyalty Programs. Back-end functions complete the cycle: 4) Transaction Collection, 5) Settlement, 6) Reporting.

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and 7) Value Movement.  is unique in the ability to apply its back-end functions to foreign (non-TTI developed) front-end applications.

In order to assure that systems can “scale-up” to meet expanding demand,  allows for all back-end functions to be hosted on a single NT server, or distributed across multiple servers. For example Reserved Services, dealing with functions that should be operated in a secure environment, can be implemented on a central server. Local Services, which manage processes closely related to Card Accepting Devices, can be hosted on multiple servers that have been geographically dispersed. Operator Services, dealing with system administration and operations, can be hosted on a server installed in a remote operations center.

Since its introduction in late 1997, the  platform has been engineered into solutions for military bases, college campuses, corporate campuses, transportation and gaming applications, making it the fastest growing application platform in the industry.  features include:

       Scalable Microsoft NT™ Server technology.

       Object-oriented design that is easily configured for rapid deployment in new applications.

       Multi-application smart card platform.

       Fully automated processing of all financial transactions. ‘s electronic cash stored value applications integrate directly into existing payment system infrastructures, including

Transaction settlement among multiple participants, with full audit capability and automatic report generation.

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