RTLX REACTOR Transaction Analyzer - Hypervisor View

The top level service view is called the Hypervisor and this screen can be built to reflect the structure of your complete BASE24™ environment as shown below. It provides a first pass view of the health of the service and it is also used as an entry point into lower level BASE24™ performance metrics and alerts.

More than one Hypervisor view can be configured should you wish to drill-down to specific areas of your environment for just ATM, POS or XPNET related processes or hardware. Click on some of the other screen shots provided for further examples.

RTLX REACTOR Transaction Analyzer - Real-Time DashBoards

From the Hypervisor view(s), users can access charts that display ATM and POS performance metrics or service level alerts relating to TLF and PTLF data. The content of the underlying charts and the sequence in which they are displayed is at the discretion of the user and more than one screen can be configured. It is possible to navigate to transaction / field level information from this screen.

All charts are self-refreshing to provide an immediate readout of the current state of transaction flow. If transaction volumes dip below a pre-configured threshold, that aspect of the chart will flash to indicate a potential SLA issue.

RTLX REACTOR Transaction Analyzer - Alert Console

The Sentra rules analysis facilities can review the TLF / PTLF data in real time and identify nominated error conditions. Alerts can be routed to a local console linked into the Hypervisor as shown here, or they can be routed to an enterprise manager, an email account or to a mobile technology such as an SMS compliant device.

This screen shot indicates that no traffic has been received via the VISA switch for 8 minutes. All BASE24™ attached switches can be monitored along with their response times.

RTLX REACTOR Transaction Analyzer - Management Reporting

Management Information reports make use of Microsoft SQL Reporting Services. MI Reports provide for all report layouts from tabular to line chart (or a combination) and can be exported to a number of formats including PDF, CSV and HTML. This can be done by RTLX on request or automatically for dispatching reports by email to BASE24™ staff at nominated times. RTLX MI information can also be generated at the end of an assigned period and available on an intranet.

In this example we are displaying the number of transactions issued per second by POS terminals and we have been able to identify a significant drop in the transaction rates after 14:35. The reports can be scheduled to execute automatically and the results can be despatched to nominated recipients.

RTLX REACTOR Transaction Analyzer - Ad-Hoc Query Screen

Users can build their own ad-hoc database queries which will execute against the stored TLF / PTLF data. This facility will prevent users from having to create a formal report in an ODBC compliant reporting tool or HP NonStop ENFORM, and could be useful in an application support function. 

The query can consist of one or more columns in a database table (all TLF / PTLF record fields available for selection) coupled with a nominated time period. The results are displayed in a list and can be exported to an EXCEL spreadsheet if required. The query can be saved for a later submission. 

In this example the query is to list transactions above a value of £1000 for a specific account.

RTLX Transaction Analyzer - Full HP NonStop (Tandem) EMS event message querying

RTLX Reactor enables lean extraction clients to be deployed to the HP NonStop platform(s) for the relay of EMS (Event Management Subsystem) events to a nominated Windows Server. These EMS events can be filtered and extracted from any alternate collector(s).

The example screen shot below shows a query on a VISA interchange / switch process (1 of 8) in the early hours of the morning to investigate activity that resulted in a 10% drop in the overall transaction throughput across the working day.

It is difficult to discern a 'maintained' drop in transaction processing where the chart displays a consistent level of POS processing. Set an RTLX rule on the interchange XPNET EMS events AND also a threshold on the transaction throughput volumes and problems can be spotted instantly by bringing 2 subsystems together; EMS and PTLF / TLF.

RTLX Transaction Analyzer - Use Dashboards to spot Host timeout and response issues for payment authorisation

RTLX Reactor enables real-time dashboards to be configured to spot response time and timeout issues relating to host payment processing on a remote platform.

In the screen shot below, it has become quite visible that at about 01:30pm every day, a series of authorisations have timed-out resulting in an increased number of denials on the live BASE24 application. This was due to a series of batch processes running at this peak time, on an IBM mainframe taking up CPU cycles and resulting in a notable dip in POS payment approvals.

RTLX has now given BASE24 technicians a valuable reporting mechanism to; one verify transaction processing and two; enable investigations into batch scheduling and CPU bound processing occurring across peak-times in the day when POS / ATM transaction volumes are at their highest.

RTLX Transaction Analyzer - Dashboard Chart Visuals

RTLX Reactor provides real-time pie charts, bar charts, line charts, tables, gauges and dials for use in dashboard charts. RTLX makes it easy to best represent the performance metrics of the subsystem being monitored by providing the most appropriate visual for monitoring the health of the application.

RTLX Transaction Analyzer - Hypervisor offers a complete drawing tool to provide comprehensive IT infrastructure monitoring 

RTLX delivers a complete drawing tool to enable users to construct as simple or as complex a monitoring canvas as required, all accessible through a secured Windows browser view.

View Websphere MQ metrics, POS and ATM transaction volumes and interchange response issues all in one Hypervisor (as shown below) or split them out into multiple Hypervisors as shown in the next screen shot.

RTLX Reactor Transaction Analyzer - Monitor your entire IT infrastructure from a single secured windows browser view 

RTLX delivers a complete drawing tool to enable users to construct as simple or as complex a monitoring canvas as required, all accessible through a secured Windows browser view.

The screen shot below shows a number of live application subsystems being monitored from a top level hypervisor (along with a number of real-time mini-charts). Drill down on any subsystem to see more detail as shown in previous screen shots.

Secure views for different departments and users or allow your key customers to view a secured browser view of their transaction volumes broken down by card type. All of this is available in RTLX Reactor.

RTLX Transaction Analyzer enables specific parts of your BASE24 application to be viewed 

RTLX delivers a complete drawing tool to enable users to construct as simple or as complex a monitoring canvas as required, all accessible through a secured Windows browser view.

Providing multiple graphical hypervisors for monitoring your BASE24 application enables users to zoom into parts of the live BASE24 application.

The screen shot below shows two HP NonStop nodes running a live BASE24 application with multiple logical nodes and XPNET nodes split across two platforms.

POS and ATM transactions can be viewed in the context of the supporting XPNET layer and EMS events can also be mapped to appropriate stations, lines, links, processes and XPNET nodes as appropriate.

Financial and Payment Systems Monitoring

• Sentra performs cross-platform payment system and POS monitoring.
• Sentra can monitor and track any ISO20022 or UNIFI compliant message.

RTLX Reactor Transaction / Payment Analyzer - Individual Merchant Retailer POS Monitoring can be configured with drill-down into card types, e.g. VISA, MasterCard 

RTLX Reactor - BASE24 Payment / Transaction Analyzer - Management Information Reports using Microsoft SQL Reporting Services 

RTLX - Payment / Transaction Analyzer - Standard Deviation trending analysis against previous time periods, e.g. Current Bank Holiday versus Last 

Beyond Operations - Business Service Management Solutions Support Tighter IT Operations-Business Link - Bob Loftis - Product Manager - NonStop Enterprise Division, HP Cupertino California

Service Orientated Architecture - SOA, Operational Business Intelligence advanced analytics - new analytics for hp nonstop - HP Business Service Management BSM - HP ATM/Transaction Analyzer (ATM/TA), HP POS/Transaction Analyzer (POS/TA), and HP SST Operations Bridge (SST/OB). Banorte Mexico ESQ Salvador Sierra

HP Operations Agent for NonStop (OVNM) and HP Performance Agent for NonStop (OVNPM) monitors, controls, reports and automates corrective actions.

BSM solutions near real time, Crystal Reports, Excel and Access, extract from BSM database BSM tools dashboard. ATM and POS device problems. Vendor devices. IT operations staff. Underperforming resources. costly off-hour maintenance. Fault-not-found site visits.

ESQ BSM products. Immediately accessible through a WEB browser supports critical business decisions. Service Level Agreements, business analysis, trends, profitability and other critical information.

Bob Loftis NonStop Enterprise Division in 2000. Product Manager for HP NonStop Business Service Management and Continuity solutions. Zero Latency Enterprise initiative at Compaq and HP.

ATM / Transaction Analyser Analyzer - Bob Lyons, HP's Director of Worldwide Financial Marketing. Worldwide ATM business - transaction volumes - dispensing cash - handling simple banking transactions - enhance customer experience.

ATM/TA ATM/Transaction Analyzer NonStop Servers. ATM/TA uses the HP NonStop SST agent ATM Transaction Log File - Windows-based server, ATM/TA identifies traffic on all resource nodes defined in the targeted ATM network. Following data capture. Metrics in dynamic, customizable, Web-based views that are relevant to a diverse community of business and technology managers.

ATM/TA presents powerful reporting and analytical features, right out of the box. It also publishes a database scheme so users can access transaction data via Excel, MS SQL Server Reporting Services, Crystal Reports and other SQL tools.

HP Self Service Terminal (SST) Product Comparison – Integrated Research – Prognosis – Transaction Surveillance – Transaction Analysers Analyzers – Captures and manages ATM, POS transactions in near real-time – Obtains data from applications such as BASE24, CONNEX – Manages key business indicators (KBIs) such as TPS, transaction volume, reversals, denials, interchange response time – supports business rule and service level agreement management

Operations Bridge – Captures and manages SST device state messages in near real time – obtains data from SST devices and network components – manages key performance indicators (KPIs) such as device availability, faults, communication errors, supplies, cash on hand – creates dynamic views of devices by region, country, state, city, device type – both types of solutions use the Executive Dashboard for more compelling displays of key data.

POS / Transaction Analyzer Analyser – retail point-of-sale devices are critical for business success. The POS/Transaction Analyzer Analyser – POS/TA manages all standard intelligent POS terminals, including self-checkout devices, and it captures transactions from all resource nodes defined and targeted logical networks. The solution offers continuous, near real-time management of POS transactions including transactions per second, denial, reversal rates, stand-in transaction rates and interchange response times. As with ATM/TA POS/TA features live dashboard views with instant snapshots of key business indicators. It allows customized customised views based on specific line-of-business models and metrics.

SST Operations Bridge – new types of intelligent self-service devices – Self Service Terminal (SST). The HP NonStop SST Operations Bridge (SST/OB). SST/OB SST network – optimal decision making – Business rules are applied to device performance. SST/OB software helps manage devices, e.g. ATM, self-checkout, kiosk) and network infrastructure in a holistic manner, providing near real-time visualization visualisation of the entire device environment.

Keys features and benefits of SST/OB include – live dashboards that instantly display key business indicators affected by faults, devices, downtime, communications errors and other conditions – Customizable business rules and dashboard views based on business requirements – essential device management data, such as faults, cash on hand, paper and ink supply, latest transactions, location and more – Fault mapping using Google, yahoo, MapQuest and other display tools – lower cost of ownership through reduced service vendor costs and maintenance visits – integration with ATM/TA software

Executive dashboards – CEOs and CFOs floating gauges on their office monitors for a non-technical, up-to-the minute view of the business. Provides optional, unified, high-level views of device state and transaction processing health. It can integrate data from all SST solutions sources, the ATM and POS Transaction Analyzers Analysers as well as the SST Operations Bridge. The Web-based executive dashboard produces visually compelling dials, charts and graphs to enhance executive review and analysis.

Reporting data, How many transactions have been reversed out because of some problem. How many attempted ATM transactions were denied because of insufficient funds.

Marty Edelman – BSM products – for NonStop systems – on-screen panels line-of-business people – powerful analytics – BSM software optimal ATM location five best and five worst ATMs – and redeploy assets as appropriate – SST Operations Bridge – Service Orientated Architecture – SOA – Service Level Agreements and proactively performing the required capacity planning.

OVNM Mgt Console – HP Operations Center software – formerly OpenView – HP Operations Mgr for Windows or UNIX console – HP Performance agent for NonStop – HP Operations Agent for NonStop – Tivoli Adapter for NonStop HP SST NonStop Agent – NonStop environment – Wintel Server for SST mgt Transaction Analyzers – SST Operations Bridge – Service Center Remedy – IBM / Tivoli Managed Enterprises – Other SNMP Managed Enterprises – BMC

ESQ business services OVNM and OVNPM – Paul Sandhu root cause analysis

PROGNOSIS has the products you need to look after all your ATM and POS hardware, applications and transaction monitoring for ACI BASE24, EFD Connex, S1 Postilion or other customized switch environments.
You need solutions to proactively monitor, measure and troubleshoot your critical components to achieve optimal performance and availability in your ACI BASE24, EFD Connex or S1 Postilion environment. PROGNOSIS for ATM / POS offers you extensive business and operational-level management in a comprehensive suite of integrated products that deliver smooth operations and total peace of mind.
Products for ACI BASE24:
 PROGNOSIS Transaction Surveillance
Gain total switch transparency and real time access to transaction details to maximize customer service with PROGNOSIS.
 PROGNOSIS XPNET Manager
PROGNOSIS gives you a solution to monitor the performance and availability of XPNET, so you can identify and correct problems before they impact on your business.
 PROGNOSIS ATM Transaction Manager
Gain immediate visibility into the performance and throughput of financial transactions in ACI BASE24, EFD Connex and other customized switch environments.
 PROGNOSIS ATM Incident Manager
Ensure your service level agreements are being met and avoid costs of up to $14500 per hour in ATM outages by simplifying ATM problem management.
 PROGNOSIS POS Transaction Manager
Gain immediate visibility into the performance and throughput of financial transactions in ACI BASE24, EFD Connex and other customized switch environments.
Products for EFD Connex :
 PROGNOSIS Transaction Surveillance
Gain total switch transparency and real time access to transaction details to maximize customer service with PROGNOSIS.
 PROGNOSIS ATM Transaction Manager
Gain immediate visibility into the performance and throughput of financial transactions in ACI BASE24, EFD Connex and other customized switch environments.
 PROGNOSIS POS Transaction Manager
Gain immediate visibility into the performance and throughput of financial transactions in ACI BASE24, EFD Connex and other customized switch environments.
Products for S1 Postilion:
 PROGNOSIS Realtime Framework Manager
You need a highly scalable, low overhead status monitoring and root-cause analysis solution for your S1 Postilion infrastructure. You’ve got it with PROGNOSIS.

RTLX Reactor Transaction Analyzer - Real-Time Comparative Analysis

RTLX DashBoards are able to provide Real-Time views of the ATM or POS (P)TLF transaction flows as compared to the same time for the last period, e.g. yesterday, last week, last month or last year).

The ACI Payments Manager™ Solution
ACI Payments Manager™ is a modular software solution that enables financial institutions and processors to automate the clearing and settlement of electronic payment transactions. The solution also provides card issuance and transaction instrument program support. Payments Manager accesses a central database that can be updated in near-real time with transactions from online payment engines. Modular functions are accessed in an
integrated user environment.
Payments Manager is designed to streamline and automate daily settlement processes and card issuance functions, including fee processing, funds movement, and customer and card instrument management. All services are built around a relational database that enhances information management and customer service.
The alerting, monitoring and executive analysis modules of Payments Manager enable organizations to analyze transaction information, produce online reports and generate key
business performance indicators and product
performance statistics.
The settlement module automates many of the crucial functions associated with validating and settling funds between account holders and electronic funds transfer (EFT) networks. The solution provides automatic reconciliation functions and configurable clearing account definition, fee processing, funds movement,
and posting file settings. The settlement module supports a full-feature exception processing module for chargeback and adjustments settlement, as well as a comprehensive set
of reports.
The account management module is a flexible, parameter-driven card management solution that supports the setup, issuance and daily management of a variety of card programs, as well as emerging electronic payment accounts. With this module, organizations can establish and manage entire card programs right down to the individual cardholder account for authorization limits, issue and reissue cycles, fee processing, maintenance, and customer service. It also offers a comprehensive online view of customer account activity and maintenance history, as well as complete reporting.
With today’s complex electronic payment settlement environments and emerging
payment systems, organizations need comprehensive solutions that provide a high
degree of configuration and automation for back-office functions to meet production
demands. A complete solution should provide an integrated package of services that
enables organizations to adapt, grow and manage their businesses.
ACI Payments Manager™
features
at a glance Automates transaction reconciliation and fee processing functions Offers a central transaction warehouse and customer database Provides fully integrated modules for flexible solution configuration Offers comprehensive transaction search and detailed analysis functions Provides a detailed view of customer card accounts, transaction instruments and transaction activity Supports all card issuance and
embossing functions Offers single and dual clearing settlement Provides an integrated common security
and audit logging function Offers standard COBOL reports Monitors payment engine and network transaction activity
Improve Customer Service
Payments Manager’s integrated user interface allows customer service representatives to quickly search and view transaction details from a single source using pre-formatted inquiry screens or SQL inquiries. Service representatives can locate a single transaction with one query across multiple days, and then analyze detailed transaction information. Payments Manager reduces the time and effort spent searching through reports, which allows customer inquiries to be resolved more quickly.
Enhance Quality Control and
Operator Productivity
Payments Manager supports a desktop environment with an integrated user interface and provides automated links between separate modules and screen functions to improve workflow and operator efficiency. Screen functions support pre-filling key data elements, and edit checks prevent operators from entering incorrect or incomplete data. Fewer errors and automated screen loading enhance an organization’s quality control environment. The browser and desktop interfaces are integrated with security and
auditing functions.
The ACI Advantage
ACI Payments Manager is an integrated software solution that is effective in any electronic payments environment. The solution’s modules
can be deployed separately or combined to
provide a comprehensive EFT solution that
will meet the needs of individual institutions
or service providers.
Sophisticated Design
Payments Manager is designed in a three-tier architecture: a user interface client, a business
rules server and a relational database. This relational database processing environment
enables all modules to share common core services, data and configuration setup. The design improves product time-to-market, deployment and portability. It also streamlines installation, development of new features and release updates.
Experience, Expertise
Every second of every day, more than 800 customers around the world rely on ACI solutions to process payments, manage risk, automate back-office systems and provide application infrastructure services. More customers use ACI software to manage higher payment volumes, of greater diversity, across more platforms and geographies than any other provider in our field. Since 1975, ACI has provided software solutions to the world’s innovators. We welcome the opportunity to do the same for you.
All product names are trademarks or registered trademarks of their respective companies.
ACI Worldwide . Offices in principal cities throughout the world . www.aciworldwide.com
Americas 1.402.390.7600 . Asia/Pacific 65.6334.4843 . Europe/Middle East/Africa 44.1923.816393
AFS3685 06-07
Automates transaction reconciliation and fee processing functions Offers a central transaction warehouse and customer database Provides fully integrated modules for flexible solution configuration Offers comprehensive transaction search and detailed analysis functions Provides a detailed view of customer card accounts, transaction instruments and transaction activity Supports all card issuance and
embossing functions Offers single and dual clearing settlement Provides an integrated common security
and audit logging function Offers standard COBOL reports Monitors payment engine and network transaction activity
The core modules of Payments Manager are designed to streamline and automate daily settlement processes and card issue functions including fee processing and funds movement, and customer and card instrument management. All services are built around a relational database that enhances information management and customer service. The alerting, monitoring and executive analysis modules enable users to analyze transaction information, produce online reports and generate key business performance indicators and product performance statistics.
The settlement module automates many of the crucial functions associated with validating and settling funds between account holders and EFT networks. The solution provides automatic reconciliation functions and configurable clearing account definition, fee processing, funds movement, posting file settings and a full feature exception processing for charge back and adjustments settlement.
The account management module is a flexible, parameter-driven card management program that supports the setup, issuance and daily management of a variety of card programs, as well as emerging electronic payment accounts. With this module, users can setup and manage entire card programs right down to the individual cardholder account for authorization limits, issue and reissue cycles, fee processing, maintenance and customer service. Functions include:

transaction storage and inquiry
transaction reconciliation
settlement
funds movement
incidents processing
transaction instrument management
many other customer service features

Organizations can install the various modules independently or in combination to meet a variety of electronic debit payment requirements.

Competitive advantage ACI Payments Manager is a modular software solution that enables financial institutions and processors to automate the processing and settlement of electronic payment transactions, and provides card issuance and transaction instrument program support. The solution accesses a central database that can be updated in near real time with transactions from online payment engines. Module functions are accessed in an integrated user environment.

Business problem With today’s complex electronic payment settlement environments and emerging payment systems, organizations need comprehensive solutions that provide a high degree of configuration and automation for back-office functions to meet production demands. A complete solution should provide an integrated package of services that enable organizations to adapt, grow and manage their business.

Business opportunity ACI Payments Manager Modules:

Alerting - This module provides an automated process that reviews transaction data in near real time and compares it against customer-defined rules
Monitoring - This module reviews network transaction data in near real time and provides easy-to-read graphs, charts and reports of network activity, allowing network operators to identify problems early
Executive Analysis - This module is an executive information tool that helps management understand and monitor business from a variety of performance characteristics and marketing objectives
Incidents Processing - This module provides the ability to perform adjustment processing from original posting transactions, including requests for copy, charge backs, cardholder adjustments and fraud reports. Users can view and manage the dispute processing event history of an original transaction
Match & Hold - A memo post facility manages a customer's account balance against transaction activity between the time a transaction is authorized and the settlement and posting of the item
Streamlines the operational environment (single platform opposed to a front-end processor)
Settlement - This module allows an organization to configure and automate the reconciliation, processing and posting of transactions
Account Management - The account management module is a multi-institution card management solution for managing customer accounts and issuing electronic payment transaction instruments

BASE24-eps for Faster Payments offers a feature-rich gateway that links to the central Faster Payments infrastructure.

The gateway easily integrates into a bank’s existing payment systems, easing Faster Payments implementation.

The solution has a flexible and open architecture that can readily accommodate ISO 8583 and XML messages and other Faster Payments-mandated requirements.

With BASE24-eps for Faster Payments, banks may also tailor how their Faster Payments transactions are processed using the solution’s powerful scripting facility. The solution also interacts with multiple systems and platforms to bridge both retail and wholesale transaction processing.

The Faster Payments Gateway system (a specialised install of BASE24-eps) writes FP transactions to a Journal file as they pass through it.

Using ACI's Real-Time Feed Interface (more specifically the Online Extract Interface (EE-SE415)), Faster Payments can be sent in XML format to RTLX Reactor for monitoring, trending and reporting.

In cases were the BASE24 Classic system on HP NonStop authorises outgoing payments before sending them to the FP Gateway, the classic application will log them to the PTLF log file as they pass through. With this configuration, RTLX Reactor can monitor the Faster Payments without the need of the EE-SE415 interface. 

RTLX Reactor - ATM (TLF) Transaction Query Screen - Beyond 'green-screen' technology with multi-field selection and comparison

 

RTLX Reactor - POS (PTLF) Transaction Query Screen - Beyond 'green-screen' technology with the ability to save and store queries to re-execute later

 

RTLX Reactor Rule Alert Escalation