Unisys Open Payments Platform
Breaking the barriers to a profitable payment business
Payments have been a cornerstone business for banks,
representing as much as 40% of their revenue and profits.
But payments revenue and profit is under unprecedented
pressure. New regulations such as Check21 in the United
States and the Single European Payments Area (SEPA) in
Europe are changing the rules for handling payments.
Compliance with stringent privacy and security requirements,
such as the Cardholder Information Security Program (CISP),
has increased costs. Non-traditional competitors such as
PayPal and Walmart pose new market challenges. Above all,
changes in consumer behavior—for instance, preference for
electronic payment to replace paper and cash payment—
are shifting the payment volumes and negatively affecting
the cost and revenue models.
Banks need flexible Enterprise Payment solutions that manage
payments transactions from any source to any destination,
adapt to the new market, and accommodate the regulatory
and competitive pressures. The new solutions need to
transform the legacy payment systems in a progressive,
non-disruptive, and cost-effective manner. The new payment
solutions must be able to scale and adapt to future needs.
Open Payments Platform transforms
payments business
Unisys has developed an Open Payments Platform to meet
the demands faced by banks in maintaining and growing their
payments business. The Unisys Open Payments Platform is
based on a Service-Oriented Architecture (SOA) Bank Payment
Hub—from Unisys partner Clear2Pay—that includes proven
components for external interfaces, and for the validation,
processing, and management of payments. The components
can be quickly orchestrated with Business Process Engineering
Language (BPEL) rules into next-generation payment solutions.
The Bank Payment Hub can reuse components to process any
type of payment; by normalizing the payment type to ISO
20022. A powerful Software Development Kit (SDK) that
enables easy modification of existing components and creation
of new ones complements the Bank Payment Hub. A Payments
Landing Zone feature of the Open Payments Platform
consolidates data from multiple payment types and multiple
sources into a single enterprise view. In addition, Unisys and
Oracle have jointly developed a Payment Business Intelligence
Accelerator as an optional service for the Open Payments
Platform. It enables financial institutions to manage their
payments business more effectively by monitoring key
performance indicators (KPI) in enterprise-wide dashboards
and reports.
With the Open Payments Platform, banks can consolidate
redundant payment functions to reduce infrastructure
costs, manage payments operations across multiple product
lines, and adapt to changing regulatory requirements and
market demands.
Unisys Open Payments Platform

Third-party
Message Process Legacy Third-party fraud, ALM, and other
POS payment SOA
import orchestration Payment systems SOA components
components
Message based payments

Enterprise
Swift service
bus

Credit
cards Message and file processing Payments repository Payments Intelligence

Authenticate Normalize Executive Activity

Debit source data dashboards monitoring
cards
Validate Real-time
Route Portals
format decisions
Payment
database of
Check Business Processes records Query and Embedded
reporting reporting
Rules engine Settlement
Bulk data sources

ACH Analytics Data mining

Aggregate
Reconciliation totals Landing zone
Remote
capture
OLAP Customer
Data
cubes information
Account External marts archive
Image posting processes
exchange
Payment hub Payment repository Analytics and reporting

Break performance, reliability,
and cost barriers
All electronic payment volumes are increasing with no end to
growth in sight. The Unisys Open Payments Platform provides
a cost-effective solution that can scale and adapt to meet the
changing business needs. By leveraging industry standard
software and commodity hardware, it breaks the performance,
reliability, and disaster recovery barriers—achieved in the past
with expensive, inflexible, and silo mainframe solutions. The
Open Payments Platform supports choices for the underlying
infrastructure. It is compatible with operating systems such
as Linux that support standards-compliant J2EE Application
Servers, BPEL engines, and relational databases on today’s
most popular computer hardware platforms.
In benchmark tests conducted with partners Oracle and
Clear2Pay, Unisys demonstrated that the Open Payments
Platform, including the Clear2Pay Bank Payment Hub, can
process more than 17 million electronic check images in the
industry X9 Standard, along with associated data, in 40
minutes. These high performance results achieved inbound
and outbound payment throughput rates of 8,100 and 6,800
transactions per second respectively.
To achieve these impressive results, the test was conducted
with Unisys ES7000/one Enterprise Servers based on Intel
processors running the Clear2Pay Bank Payment Hub, the
Oracle 10g Enterprise Database, IBM WebSphere, Red Hat
Linux, and the Unisys SafeGuard 30m business continuance
solution. The benchmark test included demonstrating the
secure, robust failover capability of the Open Payments
Platform that ensures that it keeps working within a site if
any component fails. Reliable disaster recovery to a remote
site in less than 30 minutes was also verified.

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Solve today’s most demanding • Flexible input, processing, and clearing for any type of
Corporate-to-bank payments
payments challenges
• SEPA direct debit and SEPA credit transfer
The Open Payments Platform Bank Payment Hub has been
regulatory requirements
proven to adapt quickly to new business challenges.
In developing the platform, Unisys and partner Clear2Pay • Person-to-person cross-border remittance; for example,
have focused on components for the Open Payments from the U.S. to Mexico
Platform Bank Payment Hub that can be orchestrated to • High-performance and cost-effective replacement for aging
solve the most demanding payment challenges of today. legacy wire transfer solutions

For example, integrated solutions are available to solve the • Role-based management, dashboards, and reports for
following challenges: payment business intelligence

• Electronic check and image processing to meet Check21

market requirements

End-to-end throughput and CPU utilization

12000 100

11000 90

10000
80
9000
Transactions per second (TPS)

Percent CPU utilization

70
8000

7000 60

6000 50

5000
40
4000
30
3000
20
2000

1000 10

0 0
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33
Minutes
Application server 2 CPU MQ series server CPU Issue processor TPS
Application server 1 CPU Submitter TPS Trendline–outbound flow
Database server CPU Image validation TPS Trendline–inbound flow
Parse and validate TPS

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Benefits
The Unisys Open Payments Platform modernizes a bank’s
payment solutions to drive revenue growth, improved
business agility, lower costs, and reduced risk and liability.
The resulting payment environment has several benefits:
• SOA component solutions incrementally transform aging
legacy payment systems
• Standards-based software on commodity hardware lowers
costs and adapts easily
• Scales incrementally to meet growing performance demands
• Provides mission-critical reliability and disaster recovery
• Single solution platform for multiple payment types eliminates
silo redundancy and improves security and compliance
• Quickly meets new market requirements using the existing
components and SDK
For more information visit www.unisys.com
Specifications are subject to change without notice.
©2008 Unisys Corporation.
All rights reserved.
Unisys and the Unisys logo are registered trademarks of Unisys Corporation. All other brands and products
referenced herein are acknowledged to be trademarks or registered trademarks of their respective holders.
Printed in the United States of America BL08-0241 10/08
Unisys approach to
enterprise payment solutions
Our strategy for Enterprise Payment Solutions is based
on Unisys 3D Blueprinting™ approach, which brings together
our entire portfolio of competencies. This approach and its
associated 3D Blueprints™ help jump-start the client
engagement and enable companies to see the interconnections
among the core dimensions of their business.
• A proven approach: Our 3D Blueprinting links strategy,
process, applications, and infrastructure to deliver secure
end-to-end services and reduce implementation time, cost,
and risk.
• Fast start: Unisys Open Payments Platform with the
Clear2Pay Bank Payment Hub provides proven components
and integrated solutions to quickly meet today’s critical
payment challenges.
• Insight and innovation: Unisys payments experts have
been providing innovative payment solutions and services
in every geography for over 50 years.
• Global and complete: Unisys provides end-to-end
payments solutions and services with global resources and
presence—all with a single point of accountability. We
have the resources, expertise, and approach to deliver
economic value at the enterprise scale.
• High-performance technology: Unisys ES7000 servers
enable superior performance and reliability.
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