www.atosworldline.com

 DOMAINS OF COLLABORATION

European leader in electronic payments & transactions

•  A unique expertise

Atos Worldline is the European leader in electronic payments and transactions. With proven expertise in end-to-end IT solutions for end-user applications, Atos Worldline specialises in the following specific fields:

• End-to-end Payment services - issuing, acquiring, payment solutions and card processing
• Financial Markets services - clearing & settlement , brokerage services and asset management
• CRM & eServices - internet, voice and mobile solutions

Atos Worldline has acquired a strong position as a professional European Partner of the banking, telecoms, retail, public sector and healthcare markets. A 100% subsidiary of the Atos Origin Group, Atos Worldline generates annual revenues of around €800 millions and employs over 4,800 people in Europe. 

•  Processing billions of electronic transactions

Atos Worldline is a leading European player in the processing of high volume electronic transactions. It offers strong industrial processing capabilities enabling to process over 15 billions electronic transactions per year on its main highly secured datacenters in Europe. Atos Worldline fully interconnected data centers run 24X7 and offer unlimited capacity of volumes.
Atos Worldline's commitment to offering best quality services to its clients is demonstrated through SLA (Service Level Agreement) and its compliance to ISO 9001 standards.

Atos Worldline offers its clients a unique value proposition and supports them so they can differentiate from the competition:

- High quality end-to-end services across the world
- Strengthened productivity and cost efficiency through volume aggregation mainly across Europe
- Customized solutions and price per transaction, based upon clients’ business criteria
- Leading edge services through strong R&D focus and long-term commitment
- Successful and unique approach with key clients through a “win-win” model, offering to share investments and revenues.

•  Commitment to continuous innovation

Atos Worldline focuses on delivering innovative solutions and services that help its clients advance their business strategies to meet today’s business agility and competitive challenges. Every year Atos Worldline wins prestigious market awards in recognition of its continuous commitment to research and development of leading edge solutions. Awarded solutions cover expertise in areas such as mobile payments, secure IPTV, online CRM, paperless solutions.

 

End-to-end payment services

Atos Worldline is a European leader in payment services with over 30 years experience and in-depth expertise of the payment industry in the main European countries. It covers the full value chain of payments, ranging from issuing, acquiring, development of payment technology solutions and card processing. The company delivers end-to-end payment solutions to support its clients better anticipate the major European regulatory challenges and optimise the performance of their end-to-end electronic transactions.

• Payment acquiring

Atos Worldline develops and processes tailor-made acquiring services for all types of payment. By acquiring we understand: receiving electronic financial data from merchants related to a payment transaction, and processing that data. Atos Worldline expertise includes:

• Payment transaction processing
• Visa/MasterCard European commercial acquiring licence
• Remote payments management
• Development of payment technology solutions
• Authorization servers, data collection management
• Development, sale, renting, installation of payment terminals
• Call center : contract, fraud and claim management … 

• Payment issuing

Atos Worldline develops and processes tailor-made issuing services for all types of payment. By issuing we understand: processing and management of cardholders’ transactions. Atos Worldline expertise includes:

• Card management system : debit, credit, corporate cards
• Reloadable prepaid, international co-branded cards
• Authorization servers – Cards management
• Call center for cardholders
• Payment solutions dedicated to eCommerce: virtual cards, top-up accounts
• Contactless, mobile payment
• International ePayment platform
• Interbanking applications ...

• Key figures

Securing the entire payment value chain

Atos Worldline has always taken on a pioneering role in the protection of electronic payments. First of all it provides customers with the best-in-class security. But we also aim to make our many years of experience in keeping electronic transactions secure available to anyone involved and to alert them to the role that they play in ensuring the security of the payment value chain.

Securing the payment value chain through PCI compliance
Keeping card details secure is a worldwide focus both for the banks that issue payment cards and for the merchants who accept them. The international credit card organizations have developed a set of standards for protecting cardholder details, called PCI DSS (Payment Card Industry Data Security Standard). Every company involved in the payment chain is required to meet PCI DSS standards in order to protect customers.

Extensive tests by the assessment company USD confirmed to Atos Worldline (Business Unit Banking & Finance Central Europe) the security of the networks as well as of the IT infrastructure and applications for the transmission and storage of credit card data. The company thus meets the requirements of the common PCI-DSS security standard of international credit card organizations, which are exactly defined also for the Acquiring/Remote Payment sector.

Security standard ISO27001 certification
Atos Worldline has earned ISO27001 certification for its Banking & Finance Central Europe Business Unit, and computer centres, after an eighteen months process. Atos Worldline is one of the few German companies to be certified in accordance with the international security standard, which applies not only to computer centres but also to all of the company’s business units.


Payment Terminals future-proof technology

With its Banksys terminals products range, Atos Worldline operates at the heart of the electronic payments chain: the point-of-sale terminal and hardware security module.

POS terminal
Omnipresent in supermarkets, petrol stations and on shop counters, Banksys payment terminals provide high levels of convenience, security, reliability and speed to users across the globe. Cabled, wireless or contactless, Banksys products are always at the forefront of innovation.

- For every type of payment: countertop, mobile and unattended terminals
- Compliant with today’s international security standards, such as PCI PED and EMV
- Easy to manage thanks to the remote management system for terminals and applications

Hardware security module
The hardware security module, or HSM, lies at the centre of any secure data transaction system. It provides a tamper-responsive, secure environment for key storage and processing of sensitive material. Banksys HSM’s meet encryption and security requirements in traditional payment environments, as well as in e-commerce, m-commerce, access control or electronic document management systems; free up servers from time-consuming cryptographic functions; and can be managed, configured and monitored remotely thanks to a dedicated secure software programme

Financial markets services

Consolidation of stock exchanges, emergence of new economies, tremendous growth of derivatives markets, and popularization of diversified investment vehicles has put an enormous pressure on the Financial Market Industry to increase efficiency, reduce risks and decrease prices.
 
Atos Worldline expertise in Financial Markets services covers global markets throughout the investment process - asset managers, private bankers, brokers and intermediaries; exchanges; clearing houses, CCPs (Central Counter Parties) and CSDs (Central Securities Depositaries). Atos Worldline provides its clients with solutions and services covering the full securities, funds and derivatives lifecycle.

Based on its in-depth understanding of the Industry dynamics, Atos Worldline turns its capacity for innovation into value-in-use solutions in the following domains:

• Securities and Derivatives Clearing and Central Counter Parties Solutions
• Securities Settlement and Depositary Solutions
• Innovative Front to Back Brokerage Services
• Advanced Investment Management Solutions

• Fields of expertise

• Smart Order Routing
• Front to Back Trade Processing
• Clearing and Settlement
• Depository & Registry Management
• Securities Lending/borrowing
• Risk management
• Liquidity management
• Portfolio modelling and management
• Performance and Risk monitoring

- C&S: 250 million cleared positions
- €30 billion assets guaranteed
- 230 million trades
- €400 billion assets under management
- 6 RTGS platforms

CONTACTS

 Atos Worldline
Tour Manhattan
5-6 place de l'Iris
92067 Paris La Défense
France 

DOCUMENTS 

                Atos Worldline White Paper                                              
                Advancing your card payment systems (July 2009)