TSYS® has affiliations with some of the world's most successful providers of technology and financial services. Following is a summary of those relationships, with a brief description of how each company contributes to our continual efforts to bring integrity and innovation to the world of electronic payments.
- ALI Solutions
- Compaq
- Experian
- FICO
- Hitachi
- IBM
- Paymentflex Technologies, LLC
- Telrock
- Firethorn
- CX Analytics
- RSA
- SoundBite Communications
IBM
TSYS® partners with IBM for both hardware and software solutions. IBM provides the mainframes that are used in our data centers.
- IBM ranks TSYS' data centers among the top 50 in the world, the top 25 in the United States, the top 10 in the Southeast and the second-largest in Georgia (ranked by millions of instructions per second).
- TSYS IBM mainframes store 60 terabytes of data (or 60 trillion bytes) - six times the size of the Library of Congress.
- Total processing capacity: 14.5 billion instructions per second
- Total transaction volume in 2000: 5.6 billion
Also, TSYS uses IBM's MQ Series messaging in our data streaming processes. Our partnership with IBM is constantly growing and changing.
Hitachi
The Hitachi Freedom Storage USPV accounts for about 90 percent of the total storage capacity installed at TSYS. Among all the qualities of Hitachi Freedom Storage USPV, its renowned "bullet-proof" reliability is highly important to TSYS®.
Compaq
Compaq Computer Corporation ("Compaq") is a provider of TSYS®' himalaya mainframe computers. These computers are used during TSYS' robust authorization process.
Experian
TSYS® partners with Experian® to offer advanced card portfolio management tools. Through its global line of business, which supports clients in more than 60 countries, Experian Decision Analytics' solutions deliver billions of customer–focused decisions annually, enabling connectivity to more than 70 credit reference databases worldwide. Experian Decision Analytics' sophisticated Strategy Management software, Probe SM, is implemented into TSYS' TS2® processing system, delivering comprehensive behavioral management to ensure that appropriate strategies are available at every key customer touch point.
Experian Decision Analytics combines its sophisticated and intelligent decision–making software with some of the world's most comprehensive databases of information on consumers, businesses, vehicles and property. Through multi-channel delivery of its Web–based products and services, Experian enables its clients to conduct secure and profitable e–business and develop state–of–the–art Customer Relationship Management (CRM) systems for communicating and building relationships with customers.
FICO
FICO's predictive analytics, decision technology, intelligence management and consulting services power more than 25 billion mission-critical customer decisions a year. Founded in 1956, FICO helps thousands of companies in more than 60 countries acquire customers more efficiently, increase customer value, reduce fraud and credit losses, lower operating expenses and enter new markets more profitably. Together, TSYS® and FICO offer our clients a team approach to behavioral scoring. FICO's TRIAD®, an adaptive control system, makes the most of data, behavioral analytics and business expertise to maximize portfolio profitability through the automation of key decision points in customer relationship management.
As of August 2002, HNC Software Inc., a leading provider of high-end analytic and decision management software, became part of FICO. This merger expanded the FICO and TSYS strategic marketing alliance for the continual support of real-time, transaction-based, predictive software solutions for credit, debit and retail cards into TS2. As a component of the TSYS fraud detection system, TSYS CardGuardSM delivers the advanced warning needed to detect a counterfeit card outbreak as soon as possible so you can move quickly to identify-and take appropriate actions on-additional cards at risk.
ALI Solutions
ALI Solutions partners with TSYS to provide clients with integrated solutions that leverage TSYS®' advanced processing platforms and ALI Solutions' innovative scoring and decision software. Since 1992, companies around the world have gained exceptional results by using ALI Solutions' innovative predictive-analytic solutions to drive more intelligent, efficient and results-focused financial transactions with their customers.
TSYS provides financial and retail clients, worldwide, with the opportunity to integrate the ALI Solutions' market entry management solution, EarlyDetection System™, via the TSYS processing platform. EarlyDetection System will allow card issuers to reliably predict new accounts' revenue potential and delinquency risk on the first day of credit activity. This day-one predictive analytic assessment empowers TSYS clients to better manage the risks and leverage the rewards of new credit card customers.
Paymentflex Technologies, LLC
The flagship technology, Paymentflex®, is a customer friendly patented credit system that allows customers to choose their interest rate each month based on the amount of the balance they choose to pay off: the more they pay...the lower their interest rate the next month.
With Paymentflex® Powered Cards, customers always have access to low interest rates. This transformational product represents the ultimate in choice, control, flexibility and savings. And, once enabled, no customer interface is needed with the issuer. Paymentflex® is a personal financial management tool that promotes responsible credit use and addresses "low-interest-rate" requests from customers. Issuers benefit with a new, compelling, differentiated and profitable alternative to traditional credit card enhancements and features. The technology is programmed and accessible for license globally.
Our partnership with Paymentflex Technologies enables TSYS® to offer clients unassailable pro-consumer solutions aligned with the current regulatory and consumer advocacy environment. Toronto-based, Paymentflex Technologies, LLC is leading the next generation of credit card value propositions with simple, seamless and transparent solutions for acquisition and portfolio management.
Telrock
TSYS® partners with Telrock to enable cardholders to manage their account via mobile SMS messaging.
The Telrock mobile banking platform provides the necessary tools to migrate your customers onto self-serviced account management through SMS messaging. Via text messaging, your customers can make payments to their credit card, reload prepaid cards, request account information, receive fraud alerts and fully manage their accounts via their phone's mobile Internet facility.
Mobile banking is an extension of the existing online services that present an innovative, customer-driven approach to account management. It supports your relationship with your customers through a channel that has the potential to significantly exceed current levels of online banking penetration, at a comparatively low cost. Telrock maintains strict Information Security standards due to the sensitive nature of the data it processes and stores in relation to mobile services. Its security policies, standards and procedures adhere to ISO27001 standards and are certified as compliant with the Payment Card Industry Data Security Standards (PCI DSS) and TSYS Info Security Standards.
With more than five years of experience in mobile channel management, Telrock is the ideal partner to help you implement a mobile strategy.
Firethorn
TSYS® partnered with Firethorn to enable clients to take advantage of TSYS' mobile services. Atlanta-based Firethorn Holdings, LLC is a mobile commerce, banking and payment services enabler that links financial institutions, merchants and wireless carriers through a unified, secure and scalable technology platform that seamlessly extends full-service banking, commerce and payments capabilities to consumers. By partnering with Firethorn, financial institutions, merchants and wireless carriers alike gain a competitive service differentiator that improves customer retention, generates revenue opportunities and answers consumer demands for more product/service convenience.
CX Analytics
TSYS® partners with CX-Analytics to offer CX-Account Level Profit for TS2®, a proprietary software engine to optimize portfolio profitability. CX-Analytics specializes in developing specialized analytic software and information-based strategies for the financial services industry.
Built by a team that has more than 45 years of hands-on management experience at all levels of the credit card and unsecured loan business, CX-Account Level Profit delivers an unprecedented level of insight into your card, lending or acquiring portfolio. More than 500 components and drivers of profit at the individual account level reveals the underlying drivers of performance and can specifically identify the highest value-enhancing actions for each customer account.
CX-Analytics' full suite of products and services span the full breadth of the analytic arena from infrastructure design and implementation, to specialized reporting, forecasting models, and to bespoke consulting and tool development.
RSA
Partnering with RSA enabled TSYS® to expand its core services and capitalize on e-business opportunities, providing financial institutions with a superior advantage in the fight against Internet fraud. RSA, The Security Division of EMC, is the premier provider of security solutions for business acceleration, helping the world's leading organizations succeed by solving their most complex and sensitive security challenges. RSA's information-centric approach to security guards the integrity and confidentiality of information throughout its lifecycle – no matter where it moves, who accesses it or how it is used.
RSA offers industry-leading solutions in identity assurance and access control, data loss prevention, encryption and key management, compliance and security information management, and fraud protection. These solutions bring trust to millions of user identities, the transactions that they perform, and the data that is generated.
SoundBite Communications
SoundBite Communications is a leading provider of on-demand, multi-channel proactive customer communications solutions designed to transform the way organizations communicate throughout the customer lifecycle to build trusted, lifelong and profitable relationships. Clients can leverage SoundBite’s proactive customer communications offering and expertise in designing, executing and optimizing communications strategies to engage in relevant customer interactions that deliver long-term business value.