- SOFTWARESOLUTIONS FOR POS SOLUTIONS, WIRELESS & INTERNET -   Use ourSmartPayments™ software to process Credit Cards, Debit Cards, Checks, EBTand Gift Cards in Retail, Restaurant, Grocery, Mail/Phone Order, Mobile Commerce,Unattended/Kiosk and eCommerce industries. CLIENT BusinessBenefits  Versatile:Send transactions through the SmartPaymentstmServer (in-store or hosted) or directly to host-based processors(Paymentech and Global Payments). Increase Sales:Quickly and easily accept multiple payment tenders includingall major credit cards, debit cards, EBT, electronic checkservices including verification, guarantee, conversion, eCheckand ACH, signature capture/receipt retrieval and check imagecapture and retrieval. Smart: Interfaceswith multiple POS peripheral devices including card readers, pin-pads,check readers and signature capture. Migration Path:Works as a stand-alone IP terminal or can be seamlessly integratedwith PC POS systems. High Value:One-time, low cost licensing fee. Supports MultiplePayment Engines: Provides interfaces to TPI SmartPaymentstmServer, PCCharge*, and Direct to Payment Processors - deliveringpayment transactions via the Internet without the extra costsof using a third party gateway. Lightning Fast: Supports dial and IP transactions that average 3-5 seconds. Client Technology Benefits Simple Windows Service: Operates as an independent WindowsService making it invisible and non-intrusive to the POS system. Interactive User Interfaceon Customer Facing Terminal: Uses the device forinput/output/display and interacts with customers independently. Easy Integration:Supports industry standard input & output file formats,making it easy to integrate and support. Smart: Easyconfiguration options allow you to specify menu prompts and process flow. The system automatically prompts for missing information. Simple: Integrationcan be as simple as providing the amount from the POS. Payment Server Overview Many large & medium sized businesseswant to own and manage their payment processing technology.Decision makers struggle with two options: develop your ownsolutions, or buy a third party solution. The SmartPayments™ Server leveragedpatent pending technologies and was designed to meet the needsof these businesses by providing a low cost, highly scalable, multi-threadedpayment processing solution. By using the SmartPayments™ Payment Server,your business can concentrate on its own products and services rather thanallocating resources to build and maintain a proprietary payment solution. Standard Edition- Designed to be used as a premise-based solution installedat the retail location (in-store) or an office. Enterprise Edition- Used in high-volume, redundant (load-balanced) situations,or as a hosted gateway. Payment Server Features & Benefits SmartPayments™ Server (SPS) is designedto help you process electronic payments more effectively.Use TPI Software to centralize payments across the enterprise withspeed, scalability, reliability and security at dramatically lower costs. Along with the rich client functionality provided by TPISmartPayments™ client products, SPS offers: Electronic processing of creditcards, debit cards, gift/loyalty cards, ACH (wire-transfer)/ E-check and electronic benefits transfer/food stamps (EBT) Retail, Mobile / Wireless, E-Commerce,Mail and Telephone Order electronic payment processing withstate-of-the-art performance, reliability, security and privacy Widely certified with major U.S.payment processors and banks Lower cost of ownership High reliability and outstandingperformance Easy to integrate Web ServicesAPI and platform-independent SDK Strong security; Meets VISA CISPrequirements Patent-pending Virtual Terminalsupports peripheral devices like PIN-pads, check readers,etc. Easy upgrading, deployment andadministration Security and Privacy SPS is committed to being secure bydesign, secure by default, and secure in deployment. SPS protectsyour payment processing environment as well as safeguardingthe privacy of your customers with: Strong encryption: Strong Triple DES encryption and asymmetric PKI to protectyour sensitive data. Compliance with VISA CISP:SPS is compliant with the VISA’s Cardholder Information SecurityProgram and does not store any sensitive data as outlinedin the CISP guidelines. Multiple layers of security: Supports multiple layers of access.control /authentication methods using both form authenticationand Kerberos. Two factor authentication:Supports two factors authentication using Smart Card. System wide IP filtering:Supports IP filtering across the whole system. User-based IP filtering:Supports IP filtering based on each individual user in additionto the system wide IP filtering. SSL: SupportsSSL with the strongest key length to protect all traffics to and from thepayment server. Clustering security:SPS clustering supports Kerberos authentication against theback end database and supports Internet Protocol security(IPSec) between all the servers in the cluster and the database. Instant alerts:Detects intrusion attempts and immediately alerts administratorsvia email or SMS/pager. Role-based security:SPS supports role-based security using ASP.NET Elimination of bufferoverflow exploits: SPS is built using managed .NETcode and eliminates many forms of buffer overflow exploits(the majority of Internet security threats out there). Real-time blocking ofintrusion attempts: When an intrusion is detected,the payment server can automatically block all traffic fromthat particular IP address to thwart the attacks. Country blocking:Ability to block traffic based on the incoming IP address’country of origin. You can grant access to a super-user (whohas access to reports and refunds, etc.) to come in only froma trusted country, and assign a user with limited functionalities(who can only perform credit card authorization, etc.) to allow shoppingcarts from any country except those on your black list. Privacy protection inweb services and browser-based virtual terminals: Allsensitive data such as card number, expiration date, etc. are masked on the receipt as well as the report. Reliability and Scalability SPS is built for enhanced reliabilityand scalability of the IT environment. These capabilitiesinclude: Certified for WindowsServer 2003: SPS has passed stringent compliance testingrequirements on reliability, security and maintainabilityset by Microsoft in their Application Specification for WindowsServer 2003. High Scalability:You can increase the SPS cluster’s computing power by simplyadding more processors or nodes. This allows you to startsmall and scale up or out on demand. SPS supports TPI SoftwareLoad Balancer, Windows Network Load Balancing or an externalload balancer. SPS supports an unlimited number of nodes, thus eliminatingthe need for expensive hardware to handle heavy traffic loads. High Availability:Multiple SPS nodes can be clustered together to achieve veryhigh availability and eliminate single point-of-failure. Transactionprocessing can be distributed over more than one SPS nodeto achieve a degree of parallelism and failure recovery, providingmore availability. SPS supports TPI Software's Load Balancer,which automatically redirects traffics to failover to the next availablenode. Windows NLB, Microsoft Cluster Service, external hardware load balancersare also all supported. Automatic error reporting:SPS can automatically alert the system administrator when acritical system error occurs. Automatic memory management:SPS is built using .NET and has eliminated memory leak andbuffer overrun issues. Automatically eliminatedeadlocked process: SPS supports automatic ASP.NETprocess recycling to eliminate the possibility of memory beingconsumed by deadlocked processes. Supports database replication:SPS database supports real time and offline replication toachieve high availability at the data tier. Performance Consolidate and centralize your paymentprocessing servers and realize a greater return on your ITinvestments with the performance gains in SmartPayments™ PaymentServer. Industry grade performance:SPS is multithreaded to provide a highly scalable solutionthat can scale to support millions of transactions per hour. Parallel processing usingclustering technology: SPS supports parallel processingusing clusters with multiple nodes. Separation of OLTP andOLAP: SPS separates the transaction processing databasefrom the report database, thus allowing fine tuning of the databasebackend to achieve even higher performance at the data tier. Manageability Browser-based managementconsole: SPS provides a powerful browser-based managementconsole, allowing you to manage the server, merchants’ accounts,and users remotely.  Flexible logging:SPS supports flexible logging and error reporting. Real timeevents can be logged to console, rolling file, Windows EventLog, database, SMTP mail server, MSMQ, UDP datagrams multicastand SNMP. Web based Report:Web based reporting engine provides easy auditing and transactionanalysis. XML report and data export:SPS supports data export to delimited format or XML format. Web Service report API:SPS provides a powerful set of report API through Web Services. Extensibility Flexible: Byusing industry standard transport protocols, such as XML and SOAP, SmartPayments™Server can be used in virtually any environment. Extendable: Byusing the SmartPayments™ Server SDK, businesses can easily integrate their existing applications into the SmartPayments™ Server. Integration:SPS has already integrated into over 150shopping cart solutions for ecommerce. SPS has also beenintegrated into many retail POS applications. Standard protocols:SPS can accept payments from any device over a LAN, WAN, VPN,Wireless and the Internet using standard TCP/IP transport. Modular Architecture:SPS is built using modular architecture which allows data andapplication logic to be distributed across multiple servers(or even multiple datacenters). A distributed network implementationcreates an application that can handle a virtually unlimitedtransaction load at 99.99% uptime. Syndication:Syndication support allows resellers to private-label SPSas their own custom solution. Cost Effectiveness Eliminate costly recurringgateway fees: SmartPayments™ Server is a secure alternativefor businesses to process ePayment transactions via the Internetwithout the extra costs of using a third party gateway. Eliminate costly proprietaryhardware: Using integrated POS application, mobilephone or browser-based terminals, merchants can now processtransactions at any time, from anywhere, and using any device. Support virtually anynetwork: SPS uses standard TCP/IP network andsupports virtually any network. SPS can leverage your existingbroadband connection, wireless phone line or traditional land line. Consolidate phone lines:SPS allow you to consolidate multiple phone lines used formultiple hardware terminals into one line and save on costlymonthly phone line and minutes usages. Support of All Major Payment Methods Supports credit cards, debit cards,gift/loyalty cards and electronic benefits transfer/food stamps(EBT). Supports electronic check services,including verification, guarantee, conversion, eCheck, ACH(wire-transfer) and image capture / retrieval. Supports signature capture andretrieval. HOW SMARTPAYMENTS™ CAN BENEFIT YOUR ORGANIZATION Merchants -SmartPayments™ software offers a secure, scalable solution that can be usedin virtually any setting for your payment processing needs. Eliminate theneed for costly 3rd party gateways and offer more payment options to yourcustomers. Click Here- Top10 Reasons to use SmartPayments™ Server for Merchants. Partners - SmartPayments™ gives you the ability to integrate payments intoyour existing products and services. This adds value to your offerring andwill give you multiple revenue streams. The SmartPayments™ RMS Plug-in issold exclusively through our Partners. Click Here- Top 10 Reasons to use SmartPayments™Server for Acquirers. Developers - SmartPayments™ Serverwas built using XML and Web Services allowing for easy integration into existingPOS and CRM environments. An SDK for SmartPayments™ Server is also availablefor developers that have not yet moved to Web services. Our Payment Server Softwareis easy to integrate into CRM, POS and ERP systems. Developed using XML andWeb Services, the SmartPayments™ Server can co-exist in both Windows andUnix environments. Software Development Kit(SDK)  -- AnSDK is available for the SmartPayments™Server. Developers can now integratepayments into other applications such as Web sites, billing systems and pointof sale (POS) systems.  Scalable -- SmartPayments™ Server can be installedon a single machine, or scaled onto multiple application and back-end servers. Flexible -- Use direct IP connectivity, dial-upor lease lines to connect to processors. SmartPayments™ Server can exist ata retail location or in a datacenter. Knowledgable Support -- TPI Software's staffhas years of experience working with payments and we encourage customersto use us as a resource

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