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Release Notes

Select a product from the list below to see the latest release notes.

ACM ATM Device - XFS Client Solution

 

Transfer to Others

Benefits

 

  • Improved User Experience
This enhancement allows cardholders to transfer funds to other users within the same financial institutions through the ATM channel.

 

Person to Person

Benefits

 

  • Convenient Channel to Send Funds to Others
This function extends Euronet’s P2P solution to the ATM channel. Customers can send funds to recipients using their P2P key at the ATM. The recipient must register their account details and select their one-time P2P key in order to receive funds from any channel.

 

Card Block/Unblock

Benefits

 

  • Cardholder Service Differentiation
This function extends Euronet’s Cardholder-in-Control solution to the ATM channel by providing customers with the option to block and unblock their cards at the ATM.

 

Check Depository

Benefits

 

  • Faster Access to Funds
This enhancement allows the deposit of bulk checks at ATMs equipped with the check depository hardware devices. The check depository hardware is capable of scanning electronic images of deposited checks, which are transmitted to an image-processing host platform. Scanned images can also be printed on the cardholder receipt.

 

Voice Guidance Enhancement

Benefits

 

  • Ensure ADA Compliance
This feature allows a visually impaired cardholder to perform financial transactions at the ATM. It provides simultaneous and synchronized audio instructions via an audio port that corresponds to visual instructions presented on the ATM display screen.

 

Barcode Reader

Benefits

 

  • Facilitates Bill Payment Transaction for Unregistered Payees
  • Speed and Accuracy at the ATM Using the Barcode Reader
With this new feature, the ATM can read and process retail bills with printed barcodes. The bill or invoice is scanned under the barcode reader and the ATM or other device translates the barcode into text and transmits payment details to the host in a transaction request message.

The transaction switch routes the transaction to the appropriate issuer to debit the customer’s account, whether on-us or off-us. The device then prints a receipt containing confirmation details for each successful transaction.

 

Anti-Skimmer

Benefits

 

  • Reduce Fraud
With the anti-skimming device installed, financial institutions are alerted if a skimming device is installed on a monitored ATM. The ATM automatically closes to prevent unsuspecting cardholders from using the ATM.

 

Self-Enrollment Enhancement

Benefits

 

  • Simplify Registration Process
The self-enrollment functionality now allows automatic registration of new users into the Access mobile and Notify alert services from the ATM. Financial institutions no longer need to manually register the customer through the EUI application.

 

TMS Enhancements

Benefits

 

  • Improved User Experience
The ACM Terminal Management System (TMS) is a browser-based user interface for device configuration, monitoring, and administration. TMS offers information regarding the status of self-service devices and their components as well as statistical information, electronic journal data, and an automatic dispatching of service providers in case of hardware errors. Its user administration function allows the allocation of individual user access privileges.

Enhancements in this release include LDAP, Alerts, Incidents, Auditing, file uploading and downloading, and FIT management.

 

Designer Enhancements

Benefits

 

  • Improved User Experience
The ACM Designer is a browser-based user interface for screen and flow creation as well as for receipt design. When used in conjunction with the ACM Simulator, the ACM Designer gives marketing personnel the tools to easily add new graphics, make font changes, or update campaign imagery without assistance from the IT team.

Enhancements in this release include defaults, image dependencies, logic tab, and user management.

ACM Direct Device - Legacy Protocol (ITM Platform) Solutions

ACM Direct Device – Legacy Protocol (ITM Platform) Solutions

Contactless Card Reader

Benefits
  • Customer Convenience
A user can perform an NFC contactless card transaction at an ATM by tapping his/her card on the NFC contactless card reader at the ATM.

The NDC device driver is enhanced to allow NFC contactless cards to be used to initiate transactions at ATMs that are equipped with an NFC contactless card reader.

This product requires additional license and services.

Cash Recycler Enhancement

Benefits
  • Increased Transactions
  • Less Frequent ATM Cash Replenishments
This enhancement enables Cash Recycler support for NCR and Hitachi ATMs equipped with the BRM (Bulk Recycler Module) cash recycler devices. The NDC device driver is enhanced to allow cash recycling capability that enables cash-in and cash-out on the same ATM.

The cash recycler will accept, validate, sort, and store designated denominations of notes in the recycle cassettes. Subsequently, when a customer requests a cash withdrawal, the requested cash is then dispensed from these recycle cassettes.

This product requires additional license and services.

Remote Key Load Enhancement

Benefits
  • Ensures Compliance
Remote Key Load provides a centralized process which supports secure downloading of the ATM Master Key (“A” key) to ATMs, reducing the number of costly physical onsite visits.

The existing Remote Key Load support is enhanced to support new PCI requirements.

Self-Enrollment Enhancement

Benefits
  • Improved System Reporting
The report is enhanced to provide additional error details for each event. A “Totals” section for the detailed report is added for better system reporting.

Uptime/Downtime Report Enhancement

Benefits
  • Improved User Satisfaction
The self-enrollment feature now allows automatic registration for new users into the Access mobile and Notify alert services at the ATM. Financial institutions no longer need to manually register the customer through the Euronet User Interface (EUI) application.

Terminal Application Compatibility

Benefits
  • Ensures Compatibility
The NCR and Diebold Device Control modules have been validated with ATMs running on Diebold Agilis 3, Aptra Advance 04.04.00, and Wincor ProCash DDC/NDC 3.1/10 to ensure compatibility.

ACM Direct Device - Legacy Protocol ( REN Platform) Solution

ACM Direct Device – Legacy Protocol ( REN Platform) Solution

NDC Protocol Driver

Benefits
  • Ensures Compatibility
A new ATM driver is available that supports ATM terminals using the NCR NDC message protocol.

DDC Protocol Driver

Benefits
  • Ensures Compatibility
A new ATM driver is available that supports ATM terminals using the Diebold DDC message protocol.

Triton Protocol Driver

Benefits
  • Ensures Compatibility
A new ATM driver is available that supports Hyosung retail ATM hardware running on Windows CE using the Triton Visa II message protocol.

Hyosung Protocol Driver

Benefits
  • Ensures Compatibility
A new ATM driver is available that supports Hyosung retail ATM hardware running on Windows CE using the Hyosung Visa II message protocol.

Configuration User Interface

Benefits
  • Improved User Interface
The ACM ATM Direct Device configuration utility is a browser-based user interface for device and system configuration and management.

The following configuration parameters are accessible via the interface:

  • States
  • Screens
  • Receipts
  • FITs
  • Timers
  • Options
  • System Configuration

TMS Enhancements

Benefits
  • Improved User Experience
The ACM Terminal Management System (TMS) is a browser-based user interface for device configuration, monitoring, and administration. TMS offers information regarding the status of self-service devices and their components as well as statistical information, electronic journal data, and an automatic dispatching of service providers in case of hardware errors. Its user administration function allows the allocation of individual user access privileges.

Enhancements in this release include LDAP, Alerts, Incidents, and Auditing.

Euronet User Interface - EUI

Euronet User Interface – EUI

Client Search Enhancement

Benefits
  • Improved User Experience
  • Operational Efficiency
This EUI screen enhancement now displays client services on the search results screen, allowing users the ability to identify which services the cardholder uses.

Simplify Percentage Entry

Benefits
  • Improved User Experience
  • Operational Efficiency
Percentages can now be entered as whole numbers and not decimals (e.g. 5 rather than 0.05 and 5.5 rather than 0.055).

Ability to Sort Columns

Benefits
  • Improved User Experience
  • Operational Efficiency
This enhancement creates the ability to sort the columns in the EUI in ascending or descending order by clicking on the column.

EUI Translation Tool

Benefits
  • Improved Integration
  • Operational Efficiency
EUI field names can be translated from English to any language, and multiple languages can be supported within the same financial institution. Each user can also set their specific language preference.

Client Address Entry

Benefits
  • Improved User Experience
  • Operational Efficiency
The EUI now includes two additional street address lines and an extended State/Province field. Additional addresses will be reflected on client correspondence.

Browser Compatibility

Benefits
  • More Choice
  • Operational Efficiency
The 4.7 version is now compatible with Chrome, Firefox, and Edge, enabling additional browser support beyond Internet Explorer.

Enhanced EUI User Security

Benefits
  • Additional Security
  • Operational Efficiency
The security definition to the EUI menu is modified so that a users’ access may be defined at a card-type level (debit, credit, or prepaid). This new access criteria applies only when users try to view or manage card details.

Credit Card Management - ICCS

Credit Card Management – ICCS

Finance Charge Details

Benefits
  • Improved User Experience
  • Operational Efficiency
The Finance Charge details screens are enhanced to improve the display and more clearly explain how interest is charged. Information is shown on the Finance Charge details screen for each card billing type.

Credit Card Usage

Benefits
  • Improved User Experience
  • Operational Efficiency
Credit card usage information (spend, payments, fees, and interest) is now available in the EUI. Summary usage information is displayed as a percentage of the limit, payments as a percentage of the limit, and interest and fee totals. This information will assist in making credit decisions.

Sponsor as a Client

Benefits
  • Enhanced User Interface Experience
  • Operational Efficiency
Credit card sponsor information can now be entered as an additional client, enabling entry of additional sponsor data, thus improving credit and collections activity.

Card and Account Management

Card and Account Management

UnionPay EMV & Contactless Issuing

Benefits
  • New Network Issuing
  • Additional Security
This feature allows you to issue EMV and contactless cards with direct or host-to-host connections to UnionPay, enhancing card security.
This new product requires additional license and services.

Real-Time Fraud Monitoring Interface

Benefits
  • Online Real-Time
  • Additional Security
In addition to near real-time processing, where a copy of the authorization response is sent to PLUS TI, the option for true real-time monitoring is now available.

In real-time processing a score is requested from PLUS TI. Based on the score value, the request is then denied or approved.

This new product requires additional license and services.

3D Secure 2.0 Interface

Benefits
  • Online Real-Time Global
  • Additional Security
Euronet partners with Cardinal Commerce to provide a 3D Secure 2.0 solution interface, safeguarding eCommerce transactions, and enabling PSD2 as well as offering international card organization mandates for securing internet transactions.

During a step-up eCommerce transaction (a transaction requiring additional authentication), Cardinal Commerce requests cardholder information from the ITM card system. The cardholder information is then used to send a One Time Passcode (OTP) to the cardholder for further authentication.

This new product requires additional license and services.

Automated Card Renewal

Benefits
  • Operational Efficiency
  • Streamlined Processing
This feature lets you choose a preferred date for automatic kick-off of debit, credit, or prepaid card monthly renewal processing.

Additionally, card renewal criteria are now extended to debit and prepaid cards, consistent with criteria that already exists for credit cards.

Create Embossed Cards in EUI

Benefits
  • Operational Efficiency
  • Streamlined Processing
  • One User Interface
Pre-existing green screen options for embossing are now a part of the EUI, further enhancing user security, operational flexibility, and efficiency.

Create Instant Issue Cards in EUI

Benefits
  • Operational Efficiency
  • Streamlined Processing
  • One User Interface
Pre-existing green screen options for creating Instant Issue Debit cards are now part of the EUI, further enhancing user security, operational flexibility, and efficiency.

Improved EMV/Contactless Profile Management

Benefits
  • Operational Efficiency
  • Improved User Experience
Data entry of risk management profile information is enhanced to improve new implementation, streamline new BIN setup, and to simplify network certification.

Cardholder Correspondence via Email

Benefits
  • Improved User Experience
  • Improved Cardholder Service
  • Green Solution
This function allows you the option to send cardholder correspondence via email, in addition to postal mail.

Designated Address

Benefits
  • Improved Cardholder Experience
  • Operational Efficiency
Cardholders can now choose their designated address or addresses for receiving various types of correspondence and/or cards. For example, cardholders may choose to have statements sent to one address and other communications sent to another address.

Merchant Management

Merchant Management

Stop Volume Terms Review & Volume Rebates

Benefits
  • Enhanced User Interface Experience
  • Operational Efficiency
This feature adds flexibility for acquirers to negotiate a merchant commission plan over a review period.
  • Acquirers can pay a rebate in addition to adjusting the discount/commission rate.
  • Rather than simply cancel, review periods can be set to stop on a future date.

Chain Store Information

Benefits
  • Improved the UI Experience
  • Operational Efficiency
The EUI now includes two additional street address lines and an extended State/Province field. Additional addresses will be reflected on client correspondence.

Merchant Fees Including Tiered Fees

Benefits
  • Operational Efficiency
This enhancement allows acquirers to charge more than one merchant fee, create merchant fee profiles, and charge tiered fees based on batch totals.

Network Management

Network

MDES & VTS Support

Benefits
  • Enhanced Network Functionality
  • Enhanced Cardholder Experience
Support for the interface between Visa Token System (VTS) and Mastercard Digital Enablement System (MDES) is enhanced. Issuers can now digitize Mastercard and Visa cards to make payments using Apple Pay or Google Pay.

Additionally, token life cycle messages can be sent to VTS and MDES from the EUI for token management.

This product requires additional license and services.

MDES & VTS H2H Support

Benefits
  • Enhanced Network Functionality
  • Enhanced Cardholder Experience
MDES and VTS support is now added to host-to-host connections for issuers that do not have a direct connection to Visa or Mastercard.

This product requires additional license and services.

QMR & QOC Reporting

Benefits
  • Enhanced Network Functionality
  • Operational Efficiency
Functionality is added to the EUI that helps financial institutions complete the Mastercard QMR and Visa QOC quarterly returns.

This enhancement removes the need to manually process the returns, saving both time and money.

Network Summary

Benefits
  • Enhanced Network Functionality
  • Operational Efficiency
The EUI now includes Network Summary totals showing the settlement with International Card Organizations (ICOs). Summary positions for issuer and acquirer transactions are now shown at the BIN level.

Network Back Office in EUI

Benefits
  • Enhanced Network Functionality
  • Operational Efficiency
The Mastercard IPM and Visa Base II screens are now added to the EUI, enhancing the strategy of a single user interface and the migration away from IBM i green screens.

Web Services

Web Services

Pin Web Services

Benefits
  • Open Banking
  • Product Flexibility
Web Service functions are now added to facilitate PIN information exchange:
  • Retrieve PIN
  • Validate PIN
  • Change PIN
  • PIN History

Key exchanges are required between ITM and third parties using these web services as PIN information cannot be transmitted in the clear.

Merchant Web Services

Benefits
  • Open Banking
  • Product Flexibility
Functions supported by the EUI Integrated Merchant Solution (IMS) are now extended to web services, including:
  • Inquiry by Name or ID
  • Merchant Information
  • Contact Information
  • Location Data
  • Commission Terms
  • Fraud Profile
  • Merchant Limits
  • Merchant Fee Profile
  • Installed Terminal
  • Payment Method
  • Authorization Requests
  • History
  • Statement Messages

Self-Service Payment Solutions

Mobile Banking Access Solution

Self-Enrollment at ATM

Benefits
  • Automatic Registration
The self-enrollment functionality now allows automatic registration for new users into the Access mobile services at the ATM. Financial institutions no longer need to manually register the customer through the EUI application.

Notify Alert Solution

Self-Enrollment at ATM

Benefits
  • Automatic Registration
The self-enrollment functionality now allows automatic registration for new users into the Notify alert services at the ATM. Financial institutions no longer need to manually register the customer through the EUI application.

Internet Banking Solution

Payee Account Number

Benefits
  • Improved User Experience
This enhancement will pad the account number field for payees with leading zeros whenever the user adds payees via the Euronet Internet Banking (EIB) product.

Dynamic Currency Converstion Solution – DCC

DCC for Pulse Acquiring

Benefits
  • Revenue for Acquirers
  • Choice, Transparency, and Convenience to Consumers
Dynamic Currency Conversion provides an opportunity for Visa, Pulse, and Mastercard acquirers to generate additional revenue by offering currency exchange services to consumers who use foreign issued debit or credit cards at their ATM, POS, and eCommerce touchpoints.

The transaction conducted in the local currency is converted in real time to the cardholder’s home currency and offered to the cardholder at the touchpoint. Cardholders benefit by knowing exactly what the transaction will cost in a familiar currency at the time of purchase. The currency conversion calculation is performed by the acquirer instead of by the issuer, creating new revenue opportunities for acquirers.

This enhancement enables financial institutions to offer DCC to Pulse acquirers as well.

Campaign Management Solution

Campaign Decision Engine

Benefits
  • Increase Customer Interaction Through Personalized Advertising
  • Empowering Marketing to Build Their Own Campaigns
  • Reduce Advertising Costs
Our Campaign Management solution gives financial institutions the ability to turn their retail banking channels into targeted marketing channels. Financial institutions can now offer associated banking products to customers at the ATM, through mobile, online, or at POS delivery channels. Campaign Manager recognizes the customer at the retail touchpoint and can customize the message or offers that would most likely appeal to that customer.

There are multiple points of interaction with the customer at the various retail channels. Even within the channel itself, there are multiple touchpoints. For example, at the ATM there are points along the transaction flow which could be used for marketing interactions. Our Campaign Decision Engine enables users to configure the parameters for each campaign they wish to offer.

This product requires additional license and services.