|
 A LEADING COMPANY |
Prosa is the largest electronic financial transactions specialized enterprise in Latin America and one of the twelve most important in the world. The company has been in the payment tools market for more than thirty years.
Our enterprise is World Investment News Ltdr of the National Award of Technology, for the development of competitive advantages through the usage, management and development of technological resources, which is translated into high competitivity with direct benefits for our clients.
We handle more than 700 million transactions a year coming from the point-of-sale terminals and automatic tellers from our Client Banks.
Prosa has highly qualified and specialized personnel in the payment tools business.
 PROSA'S MAIN FUNCTIONS |
· Switch of electronic financial transactions.
· Clearing and settlement.
· Voice and "Stand In" authorizations.
· "Front End" management for ATM and POS terminals.
· ATM's normativeness.
· Control of the Only Business Data Base.
· Internet electronic commerce.
· Presentation and payment of services by Internet.
| OUR MARKET |
Prosa has three specialized business areas for the different markets.
| OPERATING CONTROL CENTER |
THE HEART OF PROSA
| LEADING TECHNOLOGICAL PLATFORM |
· The Operating Control Center has the most advanced and reliable devices in the world with customer service oriented state-of-the-art technology.
· It is the nerve center of the entire company, where more than 2 million transactions are monitored, processed and received every day from more than 110 thousand Prosa's interconnected points using the most diverse communication protocols.
· Our technological platform includes unique communications, applications and computing equipment in Latin America.
· We have our own communications network.
· We have links with all banking institutions and the leading retail chains in the nation.
· We are directly connected to VISA, PLUS, MASTERCARD, CIRRUS, TOTAL SYSTEM INC., FIRST DATA CORP., SUNGARD, etc.
· We operate 24 hours a day, 365 days a year. (7 x 24)
Carnet is the business area which specializes on routing and processing of electronic payment transactions generated in the point-of-sale terminals of the affiliated business.
We accept any card in all point-of-sale terminals of our Client Banks, we offer unique services and we have developed specialized methods of authorization and Electronic Fund Transfer (EFT).
| Some of our products are |
UNICAJA AND MULTICAJA
· More than 50 thousand POS terminals of this kind are connected to Carnet.
· We have vertical applications of POS terminals (retail, branch banks, restaurants, hotels).
· Specialized applications for banks that may require so.
MULTINET
· Allows firms to use their own technological devices by handling a wide range of communications protocols and message formats.
· It handles clearing schemes of Only Authorization or Authorization and Capture according to the commerce characteristics.
· Used extensively in retail store chains, telephonic sale centers, etc. due to its connection flexibility.
INTERREDES
· Direct host-to host links with the leading retail chains.
· Allows on-line transactions capture and settlement.
AUTOMATIC CHARGES
· To apply recurrent charges to credit cards.
· Cash deposit to the commerce on the following workday.
VOICE AUTHORIZATIONS
· More than 22 000 calls are attended every day.
· We offer the highest levels of quality services, comparable with international benchmarks.
| MODULES OF CARNET ACQUIRER SYSTEM |
A. SETTLEMENT AND CLEARING
· Total on-line consolidated process for all products and banks.
· National and International transaction exchange.
· Settlement schedules according to international practices.
B. ACQUIRER DATA BASE
· Unique database to handle store and POS terminals information.
· On-line access to all Client Banks.
· Exchange of business information between participant Banks.
C. TRANSACTION INQUIRY SYSTEM
· On-line consulting can be made 5 minutes after the transaction is completed.
· Stores all transactions made on the last 6 months.
Red interconnects and shares all the Automatic Teller Machines of the participant Banks (more than 16,000), enabling a bank client to access any teller of any institution.
The main services that RED offers are:
SWITCH AND TRANSACTION AUTHORIZATION
· With complementary services such as "Stand-in"
and "CVV" validation. |
SETTLEMENT AND CLEARING
· Fully automated inter-bank office system.
· Operates under local and international rules.
"GATEWAY" TO INTERNATIONAL NETWORKS
· We connect local networks with the international brands Cirrus and Plus networks.
ATMs DRIVING (FRONT END)
· Direct connection service for dedicated-line tellers and the dial-up type.
· Year round monitoring 7 x24 covering more than 1,000 alarms. Automated reports.
INTER-BANK PRODUCTS
· Standardized Screens: Pre-established screens flow appearing when a bank client uses another institution ATM's.
· Balance Inquire. Cash withdrawal. Personal identification number (PIN) change.
· Generic Sale: application for the sale of products and/or services in automatic tellers, especially for prepayment.
· Inter-bank statement: enables users to consult balance, last 5 charges, last 5 payments and last 5 movements.
· Payment of services: with on-line validation, electronic processing for the commerce and receipt.
| NEW PROSA PRODUCTS |
Specialized business area in the development of new value-added products which enable the Client Banks to improve their operations, reduce costs and participate in vanguard markets and/or products:
| PROALERTA |
System of detection and prevention of frauds based on neural net technology and prediction models.
· Our solution is the most effective at national and international level (FALCON-HCN). Falcon protects more than 70% of the market, which represents more than 250 million cards.
· Each bank functions independently, allowing each Institution to establish its own strategy according to its needs.
· It works for credit and debit cards coming from Point of Sale Terminals, Automatic Tellers, Internet, etc.
| PROCOMM |
· Safe Internet commerce solution within international standards.
· SSL (Security Socket Layer) encrypts the purchaser's information to our system.
· SET (Security Electronic Transaction) encrypts the purchaser's information to our system and also validates the identity of the client and the commerce with certificates.
· The product has worldwide application.
| PROINFO |
- Strategic information system for making decisions based on Multidirectional Data Base Technology.
- On-line consultation and reports from the bank terminal.
- Contains business information about:
Acquirer
ATMs
Others, according to customers needs.
| PROSMART |
This product enables us to support and operate different kinds of smart cards (Chip Card).
- We take part with the following functions:
Add establishments to the single nationwide database.
Connectivity to Point-of-Sale terminals for Chip Cards.
Transference, clearing and settlement of transactions.
| PROPAGO |
· System that allows the users to receive and pay their statement via Internet.
· "Site" where the clients find all their balances in one place.
· System based on the "Bluegille" solution, used by the main suppliers of this service in the United States of America (Example: Check Free).
· The cost of statement sending is reduced in more than a 70% for the billing enterprises
Prosa's main focus is toward our customers, just as we have established in our VISION, MISSION and QUALITY MODEL, which rule all our organization's activities.
| VISION |
TO BE A HIGHLY RECOGNIZED STRATEGIC PARTNER, FOR BANKS AND PARTICIPATING INSTITUTIONS WITHIN THE PAYMENT MEDIA MARKET.
| MISSION |
TO PROVIDE ELECTRONIC TRANSACTION SWITCHING, SETTLEMENT, CLEARING AND RELATED SERVICES, UNDER THE MOST COMPETITIVE STANDARDS OF SECURITY, QUALITY AND PRICE.
| PROSA'S QUALITY MODEL |
Based on the Direction Model of the National Award of Quality, at Prosa we have developed an Organizational Culture with a long-term strategy, supported by values and methodologies which guarantee the effectiveness of a PROSA TEAM advocated to continuously fulfill our client's expectations.
Our service vocation has directed us to adopt the best practices and technologies and this is translated into results that offer a superior value to our Clients and Shareholders. Our procedures are Certified under the ISO 9001 norm, which guarantees consistency and compliance with our service levels. Every month we monitored more that one hundred and sixty performance indicators and we compared them against international standards and benchmarks.
Prosa is the largest electronic transactions switch in Latin America and one of the most important in the world. We constantly develop new value-added products that enable our clients to improve their operations, reduce costs and participate in markets with vanguard products.
AV. PROLONGACION PASEO DE LA REFORMA No. 600-230,
COLONIA SANTA FE PEÑA BLANCA, C.P. 01210, REFORMA, MEXICO, D.F.
Tel: 52681212
www.prosa.com.mx |
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© World INvestment NEws, 2000.
This is the electronic edition of the special country report on Mexico published in Far Eastern Economic Review (Dow Jones Group). December 21st, 2000 Issue.
Developed by AgenciaE.Tv |
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