MBU d.o.o.

company profile
 C O M PA N Y P R O F I L E

korisnici MBNET-a MBNET users

banke/banks ostali/others
BANKA KOVANICA d.d. DINERS CLUB ADRIATIC d.d.

BANKA SONIC d.d. NEXCOM d.o.o.

CENTAR BANKA d.d. PBZ AMERICAN EXPRESS d.o.o.

CREDO BANKA d.d. T - MOBILE HRVATSKA d.o.o.

ERSTE BANK DER OESTERREICHISCHEN SPARKASSEN AG TELE 2

ERSTE BANK a.d. NOVI SAD VIPNET d.o.o.

ERSTE & STEIERMÄRKISCHE BANK d.d.

IMEX BANKA d.d.

ISTARSKA KREDITNA BANKA UMAG d.d.

JADRANSKA BANKA d.d.

KARLOVA»KA BANKA d.d.

KREDITNA BANKA ZAGREB d.d.

OTP BANKA d.d.

PARTNER BANKA d.d.

PODRAVSKA BANKA d.d.

PRIMORSKA BANKA d.d.

SAMOBORSKA BANKA d.d.

SLATINSKA BANKA d.d.

SLOVENSKA SPORITELNA, A. S.

VABA d.d. BANKA VARAÆDIN

VOLKSBANK d.d.
 MBU d.o.o.
Banks compete with each other in the field of services,
but cooperate on matters of infrastructure...

C O M PA N Y P R O F I L E
 TOGETHER
BETTER

lakπi put do
suvremene banke
HR
Banke se meusobno nadmeÊu na
podruËju usluga, a surauju na podruËju
infrastrukture...
MBU d.o.o. za informatiËki inæenjering i meubankarske usluge je
sukladno zahtjevima banaka, projektirao, izgradio i uveo u funkciju
zajedniËku infrastrukturu za suvremeno poslovanje s bankovnim
karticama - MBNET.
MBU putem MBNET-a omoguÊuje bankama izdavanje bankovnih
kartica i njihovog prihvaÊanja na bankomatima, πalterima banaka,
EFTPOS terminalima, Internetu i putem telefona, a sve u funkciji
ostvarivanja suvremenih bankarskih usluga.
MBU je u cilju poveÊanja sigurnosti, pouzdanosti i kvalitete usluga
uveo u funkciju najnovije tehnologije i rjeπenja temeljena na koriπtenju
Ëip kartica, podupiruÊi time svoje korisnike u razvoju suvremenog
viπekanalnog bankarstva.
MBU stalno zapoπljava i osposobljava struËnjake u vodeÊim svjetskim
centrima, a svoju poslovnu politiku temelji na zahtjevima svojih korisnika
i provodi je u duhu zahtjeva ISO 9001 normi kvalitete. Otvoren inovacijama
i suradnji sa srodnim sustavima MBU uvodi nove usluge doprinoseÊi
time ekonomiËnosti, kvaliteti i konkurentnosti bankovnog poslovanja.
MBU u svom razvoju postupno πiri svoje poslovanje i izvan Republike
Hrvatske te postaje pruæatelj usluga u procesiranju transakcija s
karticama u πiroj regiji.
MBU je izbor za dokazani lakπi put do suvremenog bankarskog
poslovanja s karticama.
mr. sc. Sergio Uran, d.i.e.
Direktor MBU d.o.o.
C O M PA N Y P R O F I L E 3
an easier way towards
modern banking
ENG
Banks compete with each other in the
field of services, but cooperate on matters
of infrastructure...
MBU d.o.o., a company specializing in IT engineering and interbank
services, in compliance with bank requirements, has projected,
developed and launched a common infrastructure for bank card
operations - MBNET.
In function of modern banking service realization MBU via MBNET
enables for banks: bank card issuing, card acceptance at ATMs,
EFTPOS terminals, bank counters, on the Internet and by telephone.
In the interests of enhancing security, reliability and quality of services,
MBU has introduced state-of-the-art technology and solutions based
on use of EMV chip-cards to support development of modern multiphase
banking services.
MBU employs experts trained at the leading international centers,
and MBU’s operating policy is based on ISO 9001 quality standards.
MBU is open to innovation and interfacing with similar systems,
thereby contributing to cost effective, quality and competitive banking
operations.
MBU in its development gradually expands business activities outside
Croatia and becomes card transaction service provider in the region.
MBU is the right choice for a demonstrably easier path to modern
card-based banking operations.
Sergio Uran, M.Sc.
Managing Director MBU d.o.o.
USE YOUR

CHOICES
 C O M PA N Y P R O F I L E 5

djelatnost MBU d.o.o. MBU Ltd activities

HR ENG
osnovne djelatnosti Primary activities

projektiranje informacijskih i komunikacijskih sustava Information and Communication System Design

autorizacija i usmjeravanje transakcija obavljenih s karticama Card-based Transaction Authorization and Routing
nadzor bankomata i EFTPOS terminala Monitoring of ATMs and EFTPOS terminals
upravljanje komunikacijskom mreæom Communication Network Design and Management
razmjena podataka o transakcijama s karticama Card Transaction Information Exchange (Clearing)
razmjena podataka za meubankovni obraËun Data Exchange for Interbank Settlement
procesiranje i upravljanje karticama Card Processing and Management
generiranje EMV podataka EMV Data Generation
personalizacija kartica Card Personalization
izraËun PIN-a i tiskanje PIN omotnica Computation of PINs and Printing of PIN Envelopes
testiranje sustava koja se prikljuËuje na MBNET Testing Systems Connected to MBNET
konzultantske usluge Consulting Services
upravljanje sustavom za kontrolu rizika (SKOR) RCS (Risk Control System) Management
nadzor kartiËne prijevare Monitoring of Card Fraud
voenje reklamacijskih postupaka Refund Procedure Management
voenje kreditnih kartica Credit Card Management

sporedne djelatnosti Secondary Activities

πkolovanje korisnika Customer Training

izdavanje publikacija Publishing
marketing i promidæba Marketing and Promotion
servisiranje opreme Equipment Servicing
proizvodnja opreme Equipment Production
zastupanje i trgovina opremom i potroπnim materijalom Agency and Trade in Equipment and Supplies
financijske i administrativno-tehniËke usluge Financial, Administrative & Technical Services
ALWAYS EASIER

MBNET
HR
MBNET je sustav za autorizaciju elektroniËkog plaÊanja i isplate
gotovine u zemlji i inozemstvu pomoÊu platnih kartica, te prihvat
domaÊih i stranih platnih kartica na bankomatima i EFTPOS
terminalima u MBNET-u.
Uz pomoÊ sustava MBNET banke mogu:
izdavati i autorizirati transakcije kartica slijedeÊih brandova:
MBCARD, MBCARD/Maestro, MasterCard, Visa i Visa-Electron
prihvaÊati na vlastitim terminalima slijedeÊe kartice: MBCARD,
Maestro, Cirrus, MasterCard, Visa, Visa-Electron, Visa-Plus,
American Express i Diners.
Razvoj MBNE T-a obiljeæen je slijedeÊim znaËajnim dogaajima:
16. prosinca 1992. inicijativa u Udruæenju banaka za izgradnju
zajedniËke bankomatske mreæe
15. srpnja 1993. prihvaÊen Elaborat o opravdanosti osnivanja
poduzeÊa za projektiranje i izgradnju zajedniËke bankomatske mreæe
26. sijeËnja 1994. utemeljenje MBU d.o.o.
25. sijeËnja 1995. potpisivanje ugovora sa BANKSYS-om,
isporuËiteljem rjeπenja za autorizaciju i upravljanje MBNET-om
25. sijeËnja 1996. prva isplata na bankomatu u MBNET-u
(MBCARD karticom)
25. svibnja 1996. prvo elektroniËko plaÊanje na EFTPOS
terminalu u MBNET-u (MBCARD karticom)
21. kolovoza 1998. prva transakcija s MasterCard karticom u
MBNET-u
10. rujna 1998. prva transakcija s meunarodnom MBNET
Maestro karticom
13. studenog 1998. prva transakcija s Visa karticom u MBNET-u
21. lipnja 1999. prva transakcija s meunarodnom MBNET
Eurocard-MasterCard karticom
10. studenog 1999. prva transakcija s meunarodnom MBNET
Visa karticom
25. sijeËnja 2000. prva transakcija s American Express karticom
na bankomatu u MBNET-u
04. prosinca 2000. BVQi certificate of Approval ISO 9001:1994
C O M PA N Y P R O F I L E 7
MBNET
ENG
MBNET is a system for the authorization of domestic and inter-
national electronic payments and cash withdrawals with payment
cards and acquiring of domestic and international payment cards
on ATMs and EFTPOS terminals in MBNET.
By using the MBNET system, banks can:
issue cards and authorize transactions for the following card
brands: MBCARD, MBCARD/Maestro, MasterCard, Visa and
Visa-Electron
accept the following payment cards on their own terminals:
MBCARD, Maestro, Cirrus, MasterCard, Visa, Visa-Electron,
Visa-Plus, American Express and Diners.
MBNET development is marked with following important events:
1992, December 16 The Bank’s Association initiates the
establishment of common ATM network
1993, July 15 Viability Study on the Establishment of a Company
for the Design and Construction of a Common ATM Network adopted
1994, January 26 MBU Ltd established
1995, January 25 Agreement with BANKSYS, software provider,
signed
1996, January 25 MBNET begins functioning. First ATM cash
withdrawal via MBNET
1996, May 25 First electronic payment via MBNET
1998, August 21 First transaction using MasterCard card via
MBNET
1998, September 10 First transaction using international
MBNET Maestro card
1998, November 13 First transaction using Visa card via MBNET
1999, June 21 First transaction using international MBNET
Eurocard-MasterCard
1999, November 10 First transaction using international MBNET
Visa card
2000, January 25 First transaction using American Express
card on ATM via MBNET
2000, December 04 BVQi Certificate of Approval ISO 9001:1994

HR
12. srpnja 2001. prva transakcija s MasterCard karticom u
MBNET-u preko Interneta
27. kolovoza 2001. prva transakcija s American Express karti-
com na EFTPOS terminalu u MBNET-u
28. kolovoza 2001. prva transakcija s Diners karticom na
EFTPOS terminalu u MBNET-u
01. veljaËe 2002. prva SMS poruka o transakciji MBNE T kartice
25. travnja 2002. prvi prodani bon na bankomatima u MBNET-u
14. lipnja 2002. prva autentikacija putem Interneta temeljena na
viπefunkcijskoj Ëip kartici s ËitaËem za generiranje jednokratne lozinke
11. listopada 2003. prva transakcija plaÊanja MBCARD kar-
ticom putem mobilnog telefona
27. studenog 2003. izdana prva EMV MBCARD / Maestro Ëip kartica
26. listopada 2004. certifikacija EMV ATM acquiringa
06. prosinca 2004. prvi EMV bankomat u produkciji
06. listopada 2005. prvi je EMV EFTPOS terminal krenuo u rad
10. listopada 2005. poËetak prevencije kartiËne prijevare
01. studenog 2005. poËetak rada Centra za podrπku korisnicima
01. studenog 2005. uvedena Help Desk On-line usluga (HDOL)
14. studeni 2005. prihvat VISA EMV kartica na MBNET bankomatima
01. prosinca 2005. uvedena usluga voenja kreditnih kartica
unutar MBU
01. prosinca 2005. izdana prva revolving kreditna kartica s raËunom
u MBU
02. sijeËnja 2006. izdana prva VISA EMV (VISA Smart Debit Credit
- VSDC) kartica
01. veljaËe 2006. prihvat VISA EMV kartica na MBNET EFTPOS
terminalima
Pouzdanim sigurnosnim sustavom, opremom stalne raspoloæivosti
i djelotvornim srediπnjim nadzorom MBNET omoguÊuje korisniku
bankovne kartice kvalitetnu bankovnu uslugu, samouslugu na
bankomatima i elektroniËko plaÊanje - dvadesetËetiri sata dnevno,
svakog dana u godini. Rasprostranjenost, sigurnost i raspoloæivost
MBNET-a doprinose razvoju poslovanja i poslovnom ugledu banaka koje
koriste MBNET.
C O M PA N Y P R O F I L E 8
ENG
2001, July 12 First transaction using MasterCard card on
Internet via MBNET
2001, August 27 First transaction using American Express card
on EFTPOS via MBNET
2001, August 28 First transaction using Diners card on EFTPOS
via MBNET
2002, February 01 First SMS message about MBNET card transaction
2002, April 25 First GSM voucher sold at ATMs in the MBNET system
2002, June 14 First Internet authentication based on the multi-
functional chip card with a reader to generate One Time Passwords
2003, October 11 First transaction using MBCARD conducted
by cell phone
2003, November 27 First EMV MBCARD / Maestro chip card issued
2004, October 26 Certification of the EMV ATM Acquiring
2004, December 06 First EMV ATM in Production
2005, October 6 First EMV EFTPOS terminal becomes operational
2005, October 10 Card fraud prevention introduced
2005, November 1 Customer Support Center opened
2005, November 1 Help Desk On-line service introduced
2005, November 14 VISA EMV card acquiring on MBNET ATMs.
2005, December 1 Introduced Card Management service within
MBU
2005, December 1 Introduced first revolving credit card with
account managed in MBU
2006, January 2 First EMV VISA (VISA Smart Debit Credit - VSDC)
card issued
2006, February 1 VISA EMV card acquiring on MBNET EFTPOS
terminals.
With a reliable security system, high availability equipment and with
efficient central monitoring MBNET offers to bank card users high
quality banking services. Self-service at ATMs and electronic payment
operations are available 24-hour a day, 365 days a year. In its scope,
security and availability, MBNET advances the development of banking
operations and the reputation of member banks.
 C O M PA N Y P R O F I L E 9

MBNET MBNET

kalendar uvoenja funkcija Calendar of Function Introductions

E E
M M
V V

E E
M M
V V

E E E E
M M M M
V V V V

E E E E E E E
M M M M M M M
V V V V V V V

PROTON
E E E E E E E
M M M M M M M
V V V V V V V

1996. 1997. 1998. 1999. 2000. 2001. 2002. 2003. 2004. 2005. 2006.

Card product EMV Card product issuing EMV Card product acquiring EMV Card product issuing/acquiring
KartiËni proizvod Izdavanje EMV kartiËnog proizvoda Prihvat EMV kartiËnog proizvoda Prihvat/izdavanje EMV kartiËnog proizvoda
E E E E
M M M M
V V V V
simplE

COMPLEXITY
 C O M PA N Y P R O F I L E 11

prikaz strukture outline of

MBNET-a MBNET’s structure

Bank

Bank Host System

MBModule

Perso bureau Connect Direct

Frame Public
Internet relay telephone
MasterCard network

MBSMS GSM GSM user

network
Visa
Data preparation
system

MBePAY Internet Internet user

Amex Back-office
system

Authorization
system

Diners

Public Private
TCP/IP telephone X.25 Bank
network network network network

EMV ATM ATM ATM

EMV EFTPOS EFTPOS EFTPOS ATM

terminal terminal terminal

Authorisation System - autorizacijski sustav GSM network - GSM mreæa

ATM - bankomat GSM user - GSM korisnik
Back-office system - pozadinski sustav Internet user - Internet korisnik
Bank - banka   Perso bureau - Perso biro
Bank Host system - sustav banke Private X.25 network - privatna X.25 mreæa
Bank network - mreæa banke   Public telephone network - javna telefonska mreæa
Data preparation system - sustav za pripremu podataka TCP/IP network - TCP/IP mreæa

HR
Autorizacijski sustav sluæi za autorizaciju isplata i elektroniËkih plaÊanja
bankovnim karticama. U sustavu se nalaze podaci potrebni za to, kao
i za druge usluge korisnicima bankovnih kartica (npr. informacija o
raspoloæivom iznosu). Autorizacijski sustav osim autorizacije transakcija,
obavlja i prosljeivanje (switching) zahtjeva za autorizaciju prema
drugim mreæama.
Pozadinski sustav sluæi za podrπku poslovima pripreme i razmjene
podataka izmeu banaka i MBU-a, za pripremu i razmjenu podataka
s Autorizacijskim sustavom MBNET-a, za razmjenu podataka s
meunarodnim kartiËnim kuÊama, za podrπku Sustavu za voenje
kartica te za pripremu podataka o meubankarskim naknadama i
obraËunima, statistiËkim podacima MBNET-a i naknadama MBU.
Komunikacija izmeu Pozadinskog sustava i banaka ostvarena je
preko aplikacija MBModul i/ili C:D (Connect Direct) koje se nalaze
na radnim stanicama u bankama. MBModuli uspostavljaju vezu s
posluæiteljem Pozadinskog sustava i razmjenjuju podatke putem javne
telefonske mreæe ili preko zakupljene Frame Relay veze dok C:D
uspostavlja vezu iskljuËivo koristeÊi Frame Relay.
Sustav za voenje kartica je sastavni dio Pozadinskog sustava, a
banka ga moæe koristiti za voenje svojih kreditnih i debitnih kartica,
raËuna kartica i podataka o korisnicima kartica. Sustav podræava
revolving i druge vrste kredita, omoguÊuje udaljene radne stanice u
banci, pripremu datoteke s izvodima raËuna za korisnike i slanje u
banku sintetiËkih podataka za knjiæenje.
Sustav za pripremu podataka za personalizaciju generira PIN kartice,
vrπi pripremu podataka za EMV Ëip kartice ukljuËujuÊi sigurnosne
kljuËeve, te priprema ostale podatke potrebne za personalizaciju
kartica. MBU ispisuje PIN omotnice za sve vrste kartica i personalizira
debitne kartice bez Ëipa, dok se EMV Ëip kartice na temelju u MBU
kreiranih podataka presonaliziraju u specijaliziranoj usluænoj organizaciji
(Perso biro).
Bankomat se povezuju s autorizacijskim sustavom putem TCP/IP
prikljuËka na najbliæi Ëvor u LAN banke ili na najbliæi Ëvor MBNET-a.
C O M PA N Y P R O F I L E 12
ENG
Authorization system authorize disbursement and electronic payment
by bank card. It contains all necessary data for these and other services
required by bank card users (e.g. information on available balance).
Besides authorizing transactions, authorization system also performs
switching for authorization involving external networks.
Back Office System provides support for preparation and data
exchange between banks and MBU, preparation and data exchange
with MBNET Authorization system, data exchange with international
card-issuing companies, support to the Card Management System,
and data preparation for interbanking fees and settlement, MBNET
statistics data and MBU's fees.
Communication between Back Office system and banks is accomplished
with applications MBModule and/or C:D (Connect Direct) installed
in bank work stations. MBModules establish link with Back Office
System servers and data is exchanged via public telephone networks
or through leased Frame Relay links while C:D establishes link solely
via Frame Relay.
Card Management System is part of Back Office system and bank
can use it to manage its credit and debit cards, card accounts and
cardholder data. The system supports revolving and other types of
credit, facilitates remote work stations in banks, preparation of account
statement files for users and submission to synthetic databank for
registration.
Data preparation system for personalization generates PIN cards,
prepares data for EMV chip cards, including security keys, and prepares
other data necessary for card personalization. MBU prints out the PIN
envelopes for all card types and personalizes debit cards without chip
while EMV chip is personalized by a special service company (Perso
bureau) on basis of data prepared by MBU.
ATM are linked to the authorization system through TCP/IP links to
the nearest node in bank LANs or to the nearest MBNET node.

HR
EFTPOS terminal se povezuje preko javne telefonske mreæe izravno
na Autorizacijski sustav, do Ëvora X.25 ili TCP/IP mreæe. Grupe EFTPOS
terminala povezuju se zakupljenom vezom izravno na Ëvor X.25 ili
TCP/IP mreæe.
Internet korisnik moæe plaÊati putem Interneta karticama MBCARD
i MasterCard kod trgovaca koji koriste MBePAY sustav MBNET-a.
GSM korisnik moæe primati SMS poruke o obavljenim autorizacijama
ili ostale poruke iz svoje banke ukoliko banka koristi MBSMS uslugu.
Takoer, GSM korisnik moæe preko mobitela plaÊati GSM operateru
s raËuna svoje MBCARD ili MasterCard kartice.
MBNET je u stalnoj vezi s mreæama MasterCarda, VISA-e, American
Expressa (Amex) i Diners Cluba. To omoguÊava pruæanje usluga
korisnicima stranih kartica na bankomatima i EFTPOS terminalima
u MBNET-u kao i usluge domaÊim karticama u drugim mreæama.
C O M PA N Y P R O F I L E 13
ENG
EFTPOS terminal is linked directly to the Authorization system, up
to X.25 or TCP/IP network node via public telephone network. The
EFTPOS terminal cluster is linked via leased line to a single X.25 or
TCP/IP network node.
Internet user can pay via the Internet with MBCARD or MasterCard
for purchases on merchant sites using the MBNET’s MBePAY system.
GSM user can receive SMS messages about authorizations or all other
messages from their bank, if this bank uses MBSMS service. GSM
users can also pay their GSM operator on their cell phone from their
MBCARD or MasterCard account.
MBNET interfaces with MasterCard, VISA, American Express and
Diners Club networks, so international card holders can access services
at ATMs and EFTPOS terminals within MBNET, while domestically-
issued international card holders can enjoy the same services abroad.
EASY TO USE

MBCARD kartica
HR
MBCARD je viπenamjenska bankovna platna kartica. Ona je rezultat
zajedniËkog izbora hrvatskih banaka koje koriste MBNET, a namijenjena
je za bezgotovinsko elektroniËko plaÊanje roba i usluga na EFTPOS
terminalima, za samouslugu na bankomatima i za jamstvo pri koriπtenju
Ëekova.
Prilikom koriπtenja MBCARD-a u MBNET-u, na bankomatima ili na
EFTPOS terminalima, potrebno je potvrditi transakciju unosom ispravnog
osobnog tajnog broja - PIN-a. PIN je vaæan element zaπtite sredstava
na raËunu korisnika kartice.
MBCARD karticom moæe se podizati gotovina i/ili elektroniËki plaÊati
samo do raspoloæivog iznosa kojeg banka odredi, ali unutar dozvoljenih
dnevnih i tjednih ograniËenja iznosa po kartici.
Na MBCARD karticu veÊina je banaka pridodala meunarodni znak
Maestro. Time je nastala cobrand MBCARD/Maestro kartica koja se
moæe koristiti u Hrvatskoj i inozemstvu na svim bankomatima i EFTPOS
terminalima na kojima su istaknuti znakovi Maestro ili Cirrus. Izvan
MBNET-a, na EFTPOS terminalima koji nemaju moguÊnost unoπenja
PIN-a, korisnik kartice moæe potvrditi transakciju plaÊanja pomoÊu
potpisa.
EMV MBCARD kartica opremljena je s Ëipom u svrhu unapreenja
sigurnosti u poslovanju s karticama. Viπe o njenoj primjeni u svrhu
autentikacije u poglavlju “EMV + autentikacija”.
C O M PA N Y P R O F I L E 15
MBCARD card
ENG
The result of a joint effort of Croatian banks using MBNET is the
MBCARD - a multipurpose card usable for electronic payments of
goods and services at EFTPOS terminals, for self-service at ATMs,
and as a guarantee for paper checks.
Each time an MBCARD is used at ATM or EFTPOS terminal in MBNET,
it is necessary to electronically confirm the transaction by entering the
correct PIN. The PIN is an important feature for the cardholder
accounts security.
The MBCARD facilitates withdrawals and/or electronic payment
transactions up to the amount made available by the bank, but within
the daily or weekly spending limits per card.
Most banks applied international Maestro logo on MBCARD creating
cobrand MBCARD/Maestro card. This card can be used on all ATMs
and EFTPOS terminals marked with Maestro or Cirrus acceptance
marks both in Croatia and abroad. On EFTPOS terminals outside
MBNET network and without PIN entering possibility, cardholder can
verify the transaction with signature.
EMV MBCARD card is equipped with a chip. This provides many new
functions in card operations and ensures a high level of security.
More about the use of this card can be found in the section on “EMV
+ Authentication”.
with a

personal touch

personalizacija EMV Ëip kartica
HR
MBU je u okviru projekta izdavanja EMV platnih kartica uveo usluge:
priprema podataka za personalizaciju EMV Ëip kartica i uslugu dostave
takvih podataka do specijalizirane usluæne organizacije za personalizaciju
EMV Ëip kartice. MBU nudi i usluge obrade i dostave podataka za
dodatne aplikacije na Ëipu kao πto su autentikacija i shema lojalnosti.
MBU je pored usluge pripreme podataka za izdavanje EMV
MBCARD/Maestro debitnih Ëip kartica, razvio i uslugu izdavanja EMV
kreditnih Ëip kartica kao πto su MasterCard te VISA kartice temeljene
na standardima M/Chip 2.1/4.0 te VSDC 1.3.9/1.4.0.
U pripremi EMV podataka i personalizaciji EMV Ëip kartica sudjeluju
tri strane:
- Banka izdavatelj koja odreuje profil EMV kartice i podatke o korisniku
kartice,
- MBU koji vrπi pripremu EMV podataka, izraËunava PIN i tiska PIN
omotnice,
- Perso biro - usluæna organizacija koja personalizira EMV Ëip karticu
i istu dostavlja banci izdavatelju ili po njenom nalogu dostavlja korisniku
poπtom.
Izdavanje EMV Ëip kartica odvija se u slijedeÊim koracima:
1. Banka izdavatelj inicira proceduru kreiranja profila EMV Ëip kartice
te formira i πalje u MBU datoteku s podacima za karticu, pripadajuÊi
raËun, kontrolne podatke potrebne za kreiranje EMV Ëip kartice.
2. MBU na temelju primljenih podataka od banke izdavatelja, kreira
i uvodi karticu i pripadajuÊi raËun u Sustav za voenje kartica, generira
PIN te aktivira sustav za upravljanje æivotnim ciklusom kartice i raËuna.
3. MBU u Smart Card Data Preparation sustavu generira EMV podatke,
parametre profila kartice te parametre za aplikacije autentikacije i
sheme lojalnosti.
4. MBU πalje EMV podatke za personalizaciju Ëip kartice do Perso
biroa.
5. Perso biro personalizira EMV Ëip kartice, dostavlja ih banci izdavatelju
ili sprema u omotnicu i dostavlja poπtom korisniku.
6. MBU generira PIN-ove i tiska u PIN omotnice ili ih kriptirane
prosljeuje Perso birou ili specijaliziranoj usluænoj organizaciji za
tiskanje u PIN omotnice.
C O M PA N Y P R O F I L E 17
EMV chip card personalization
ENG
MBU introduced these services as part of the EMV payment card
issuing project: preparation of data for personalization of EMV chip
cards and delivery of such data to specialized service companies
that personalize EMV chip cards. MBU also processes and delivers
data for additional applications on chips, such as authentication and
loyalty schemes.
Besides data preparation for issuing EMV MBCARD/Maestro debit
chip cards, MBU has also issues EMV credit chip cards, such as
MasterCard and Visa cards based on M/Chip 2.1/4.0 and VSDC
1.3.9/1.4.0 standards.
Three parties participate in the preparation of EMV data and
personalization of EMV chip cards:
- The issuing bank, which determines the profile of the EMV cards
and data on card users,
- MBU, which prepares EMV data, generates the PIN and prints the
PIN wrapper,
- Perso bureau - a service company that personalizes EMV chip
cards and delivers them to the issuing bank or to the cardholder by
mail at the bank’s request.
Issuing EMV chip cards proceeds through the following steps:
1. The issuing bank initiates the procedure to create the EMV chip
card profile, forms and delivers the file to MBU accompanied by data
for the card, the accompanying account, and control data necessary
to create the EMV chip card.
2. Based on the data from the issuing bank, MBU creates and
enters the card with accompanying account in Card Management
System, generates the PIN and activates the system to administer the
life cycle of the card and account.
3. MBU generates EMV data, card profile parameters and authentication
and loyalty scheme parameters in Smart Card Data Preparation System.
4. MBU sends the EMV data for chip card personalization to Perso
bureau.
5. Perso bureau personalizes the EMV chip card, delivers them to the
issuing bank or places them in envelopes and delivers them to the
user by mail.
 C O M PA N Y P R O F I L E 18

Issuing bank

Authentication Card Management Authorisation

server 1 System system
7

Authentication
server
9 Smart Card Data 8
Preparation
6 4 System
Card Loyaly applications
personalisation 3 server
service 5 8

Cardholder

Authentication server - Autentikacijski server Card Management System - Sustav za voenje kartice Loyalty applications server - Server za aplikaciju lojalnosti
Authorisation server - Autorizacijski server Card personalisation service - Perso biro Smart Card Data Preparation System - Sustav za pripremu
Cardholder - Korisnik kartice Issuing Bank - Banka izdavatelj podataka za pametne (Ëip) kartice

HR
7. MBU uvodi podatke o kreiranoj kartici i raËunu u autorizacijski
sustav MBNET-a u svrhu njezinog koriπtenja na bankomatima i kod
elektroniËkog plaÊanja.
8. MBU kreirane podatke za aplikacije autentikacija i sheme lojalnosti
razmjenjuje sa pripadajuÊim aplikacijskim serverom u MBU.
9. U sluËaju kada banka izdavatelj koristi vlastiti sustav za autentikaciju,
MBU generira datoteku s autentikacijskim slogovima, kriptira i dostavlja
autentikacijskom serveru banke izdavatelja.
ENG
6. MBU generates PINs and prints the PIN envelopes or encrypts
them and forwards them to Perso bureau or the specialized service
company that prints PIN envelopes.
7. MBU enters data for generated cards and accounts in the MBNET
authorization system for its use at ATMs and for electronic payments.
8. MBU exchanges the data generated for authentication and loyalty
scheme applications with the corresponding servers in MBU.
9. When the issuing bank uses its own authentication system,
MBU exports keys to the bank via encrypted files.
 C O M PA N Y P R O F I L E 19

izdavanje platnih kartica payment cards issuing

MasterCard Visa
Issuing bank
(debtor bank)
Account
4 7 balances and
Authorisation available
ATM system amounts

1
3 Settlement
8 with banks
EFTPOS and Back Office 5
Internet system

2
6
other banks Domestic
MasterCard Visa
(creditor banks) Settlement
System

Account balances and available amounts - Stanja raËuna i Authorisation System - Autorizacijski sustav Issuing bank (debtor bank) - Banka izdavatelj (banka-duænik)
raspoloæivi iznosi Back Office System - Pozadinski sustav Other banks (creditor banks) - Druge banke (banke-vjerovnici)
ATM - Bankomat Domestic settlement system - Platni promet u zemlji Settlement with banks - Poravnanje s bankama

HR
1) Zahtjev za isplatu ili plaÊanje s karticom banke-izdavatelja u MBNET-u, odobrenje
zahtjeva i zapisivanje podataka o obavljenoj transakciji.
2) Zahtjev za isplatu ili plaÊanje s karticom banke-izdavatelja izvan MBNET-a i
odobrenje zahtjeva.
3) Podaci o obavljenim transakcijama (u MBNET-u) i odobrenim zahtjevima (izvan
MBNET-a) prenose se viπe puta na dan s Autorizacijskog na Pozadinski sustav. Za
transakcije kartica banke-izdavatelja na tuim terminalima izraËunavaju se naknade
za usluge banka-banka za pojedine transakcije.
4) Jednom ili viπe puta na dan prenose se iz pojedine druge mreæe u MBNET podaci
o obavljenim transakcijama u drugoj mreæi.
5) Prijenos podataka o pojedinim transakcijama kartica banke-izdavatelja (u i izvan
MBNET-a) i pripadnim naknadama usluga te ukupni dnevni iznosi transakcija i
naknada usluga za poravnanja banka-banka. Takoer se prenose podaci o odobrenim
zahtjevima za transakcije s karticama banke-izdavatelja izvan MBNET-a. Banka inicira
prijenos jednom ili viπe puta na dan.
6) Banka-izdavatelj kartica nalogom za plaÊanje plaÊa dnevni iznos poravnanja
transakcija i naknada usluga za transakcije vlastitih kartica na terminalima druge
banke. Za transakcije u drugim mreæama 'pridruæena' banka-izdavatelj plaÊa dnevni
iznos poravnanja 'punopravnoj' banci.
7) Banka-izdavatelj za svoje kartice izraËunava stanja raËuna i raspoloæive iznose.
Nova stanja raËuna i promijenjeni raspoloæivi iznosi prenose se na Pozadinski sustav
8) a odmah zatim na Autorizacijski sustav.
ENG
1) Cash withdrawal or payment using an issuing bank’s card within MBNET, approval
of request and recording of transaction data.
2) Cash withdrawal or payment request using an issuing bank’s card and approval of
request for cards managed outside MBNET.
3) Transaction data (within MBNET) and approved requests (outside MBNET) are
transferred several times a day from the authorizing to the Back-Office system. Bank-
to-bank compensations are calculated simultaneously for individual transactions using
an issuing bank’s card at other terminals.
4) Transaction data from MBNET to other networks are transferred for other networks
once or more on a daily basis.
5) Data on individual issuing-bank card transactions (within and outside of MBNET)
and accompanying fees, daily transaction and service fee totals for bank-to-bank
settlement and approved authorization data are accepted by the bank. Data on approved
requests for issuing-bank cards outside of MBNET are also transferred. The bank
initiates transfer once or several times daily.
6) The issuing bank initiates payment of daily settlement transactions and service fees
for transactions involving its own cards at the terminals of other banks. For transactions
in other networks, the ‘affiliated’ issuing bank pays a daily settlement fee to the ‘principal’
bank.
7) The issuing bank keeps records of the account balances and available amounts for
the cards it has issued. The latest changes in the current account balances, as well
as changes in available amounts, are transferred to the Back-Office system,
8) and, immediately thereafter, to the Authorisation system.

HR
Banka koja koristi usluge MBU-a moæe izdavati kartice MBCARD,
sve vrste kartica iz obitelji MasterCard (MasterCard, Maestro i
Cirrus) i sve vrste kartica iz obitelji Visa (Visa, Visa-Electron i Plus).
Sve ove kartice mogu biti opremljene, osim magnetnom trakom,
takoer i sa Ëipom za podrπku EMV aplikacije.
Kod koriπtenja kartica na tuim terminalima (bankomati, EFTPOS
i Internet) banka-izdavatelj plaÊa iznos transakcije (+/- naknada)
drugoj banci.
Kada se kartice koriste u MBNET-u, "druga banka" je banka-
prihvatitelj. Kada se kartice koriste u drugoj mreæi, za kartice
"punopravne" banke "druga banka" je druga mreæa dok je za kartice
"pridruæene" banke "druga banka" pripadna "punopravna"
banka. Sve vrste kartica uvijek se na bankomatima u MBNET-u
kao i izvan MBNET-a, koriste s PIN-om te s on-line provjerom
raspoloæivog iznosa i limita koji se vode u MBNET-u.
MBCARD-Maestro i Visa-Electron kartice, koje se mogu koristiti
i izvan MBNET-a, mogu se na EFTPOS terminalima koristiti s PIN-
om ili s potpisom. Ove kartice se uvijek koriste s on-line provjerom
raspoloæivog iznosa i limita u MBNET-u.
MasterCard i Visa kartice na EFTPOS terminalima se redovito
koriste s potpisom. Kod ovih kartica moguÊa su plaÊanja bez on-
line provjere raspoloæivog iznosa i limita u MBNET-u (za iznose
plaÊanja manje od odreenog praga).
C O M PA N Y P R O F I L E 20
ENG
Any bank using MBU services may issue MBCARD cards, all
brands from the MasterCard family (MasterCard, Maestro and
Cirrus) and all cards from the Visa family (Visa, Visa-Electron and
Plus). Besides magstripes, all of these cards can carry a chip
supporting the EMV application.
When using the card at other’s terminals (ATMs, EFTPOS and
Internet), the bank that issued the card pays the transaction amount
(+/- fee) to other bank.
When the cards are used within MBNET, "other bank" is acquiring
bank. When the cards are used outside MBNET, for "principal"
bank cards the term “other bank” implies another network, while
for the cards of the “affiliated” bank, the “other bank“ implies the
"principal” bank.
All types of cards acquired at ATMs in MBNET and outside MBNET
are, as a rule, used by entering the PIN, and on-line checks of the
available balance and limits are included for bank cards managed
in MBNET.
MBCARD-Maestro and Visa-Electron cards, which can be used
outside MBNET, can also be used at EFTPOS terminals either by
keying in the PIN or by checking the signature. The transaction
cannot be completed without an on-line check of the available
balance and limits in MBNET.
MasterCard and Visa cards are regularly accepted at EFTPOS
terminals by signature authorization. Payment with these cards is
possible without checking the available balance and limit within
MBNET (for payment amounts lower than a specified limit).

HR
Raspoloæivi iznos dostavlja banka MBNET-u ako se kartica vodi u
banci. U sluËaju da se Sustav za voenje kartice nalazi u MBU, MBU
vodi raËuna o raspoloæivom iznosu i umanjuje ga nakon svake obavljene
transakcije. Kod MBCARD kartica isti raspoloæivi iznos (isti tekuÊi
raËun) moæe koristiti viπe kartica.
Banka moæe pojedinim karticama odobriti koriπtenje dodatnog
raspoloæivog iznosa samo za kupovine. To se moæe primijeniti kada
banka odobrava korisniku kartice kredit za kupovine ili kada
korisniku kartice kredit daje trgovina.
Limiti su terminski odreeni, za gotovinske isplate, za plaÊanja,
u zemlji, u inozemstvu, na sumu iznosa transakcija, na broj
transakcija. Banka ih moæe odrediti razliËite za svaku pojedinu
karticu i raËun.
C O M PA N Y P R O F I L E 21
ENG
The bank informs MBNET about the available amounts if card
management is in the bank. In case that Card Management system
is in MBU, MBU manages the available amounts and decreases them
after each transaction. With the MBCARD cards, several cards can
use the same available amount (the same current account).
The bank can authorize the use of additional available amounts
to the individual cards solely for purchases. This available amount
may be used when bank gives credit for the purchases to cardholder
or when merchant gives such a credit.
There are several types of limits: time-defined, for cash disburse-
ments, for payments, home and abroad, for the transaction sum,
for the number of transactions. The bank determines various limits
for each individual card and account.
we say

ACCEPT
 C O M PA N Y P R O F I L E 23

prihvat platnih kartica payment cards acceptance

MasterCard Visa Amex Diners Acquiring bank

(creditor bank)

ATM accounts
Authorisation 4
ATM System
Settlement with
the banks
1 3
Back Office 5 Settlement with
EFTPOS and the merchants 6
Internet System

2 6
Other banks
(debtor banks)
Domestic
Settlement
7 System
MasterCard Visa Amex Diners Merchants

Acquiring bank (creditor bank) - Banka prihvatitelj Authorisation System - Autorizacijski sustav Other banks (debtor banks) - Druge banke (banke-duænici)
(banka-vjerovnik) Back Office System - Pozadinski sustav Settlement with merchants - Poravnanje s trgovinama
ATM - Bankomat Domestic settlement system - Platni promet u zemlji Settlement with banks - Poravnanje s bankama
ATM accounts - RaËuni bankomata Merchants - Trgovine

HR 1) Zahtjev za isplatu ili plaÊanje na terminalu banke-prihvatitelja, odobrenje zahtjeva
i zapisivanje podataka o obavljenoj transakciji.
2) Ukoliko se kartica ne vodi u MBNET-u, zahtjev se proslijeuje na odobrenje
(autorizaciju) u onu mreæu u kojoj se kartica vodi.
3) Podaci o obavljenim transakcijama prenose se viπe puta na dan s Autorizacijskog
na Pozadinski sustav. Za tue kartice na terminalu banke-prihvatitelja izraËunavaju
se naknade za usluge banka-banka za pojedine transakcije (banka-prihvatitelj dobiva
naknadu za isplatu, a daje naknadu za plaÊanje).
4) Jednom dnevno prenose se podaci o obavljenim transakcijama kartica drugih
mreæa iz MBNET-a u druge mreæe.
5) Prijenos podataka o pojedinim transakcijama na terminalima banke-prihvatitelja
i pripadnim naknadama usluga te ukupni dnevni iznosi transakcija i naknada usluga
za poravnanja banka-banka. Banka inicira prijenos jedanput ili viπe puta na dan.
6) Banka-izdavatelj kartica nalogom za plaÊanje plaÊa dnevni iznos poravnanja
transakcija i naknada usluga za transakcije vlastitih kartica na terminalima druge
banke. Za kartice drugih mreæa banka koja ima financijski odnos s drugom mreæom
('punopravna' banka) plaÊa takoer dnevni iznos poravnanja banci-prihvatitelju koja
nema financijski odnos s drugom mreæom ('pridruæena' banka).
7) Banka-vlasnik EFTPOS terminala u trgovinama plaÊa dnevno, ili prema dogovoru,
trgovinama za obavljene kupovine svih ugovorenih vrsta kartica (umanjeno za naknadu
usluge banke trgovini).
ENG 1) Cash withdrawal or payment request at the terminals of acquiring banks, approval
of request and recording of transaction data.
2) If the card is not managed in MBNET, the request is forwarded for approval
(authorization) to the network in which the card is managed.
3) Transaction data are transferred several times a day from the Authorisation system
to the Back-Office system. Fees are computed for bank-to-bank services for individual
transactions involving cards from other networks at acquiring-bank terminals (the
acquiring bank receives fees for disbursement and compensates payments).
4) Transaction data from MBNET to other networks are transferred for the cards of
those other networks on a daily basis.
5) The bank accepts data on individual transactions at acquiring-bank terminals and
the accompanying service fees, daily transaction totals and fees for bank-to-bank
settlement. The bank initiates transfer once or more daily.
6) The issuing bank initiates payment of daily transaction settlements and service fees
for transactions involving its own cards at the terminals of other banks. A bank that has
financial links to another network (‘principal bank’) also pays a daily settlement fee to
the acquiring bank that does not have (‘affiliated bank’) for cards from other networks.
7) The bank that owns the EFTPOS terminal in retail outlets reimburses merchants for
the payments of all contracted card types (less bank service fees payable by the
merchant) either daily or by arrangement.

HR
Banka-prihvatitelj koja koristi usluge MBU-a moæe preko MBNET-
a prihvaÊati vlastite i tue kartice na vlastitim bankomatima i
EFTPOS terminalima, kod trgovaca bez EFTPOS terminala, za
plaÊanja na internetu i za plaÊanja putem mobitela GSM operateru.
Kod prihvaÊanja tuih kartica za isplate gotovine banka-prihvatitelj
dobiva isplaÊeni iznos uveÊan za naknadu (za uslugu isplate) od
druge banke.
Kod prihvaÊanja tuih kartica za plaÊanja roba i usluga banka-
prihvatitelj dobiva iznos plaÊanja od druge banke, ali umanjen za
naknadu, koja kod plaÊanja pripada izdavatelju.
Kod kartica koje se autoriziraju u MBNET-u, "druga banka" je
banka-izdavatelj. Kod kartica koje se autoriziraju u drugoj mreæi,
za "punopravnu" banku "druga banka" je mreæa koja daje autori-
zaciju, dok je za "pridruæenu" banku "druga banka" pripadna
"punopravna" banka.
Bankomat u MBNET-u pruæa korisnicima svih kartica koje se
autoriziraju u MBNET-u slijedeÊe usluge:
- isplata gotovine, oplata gotovine, upit u stanje raËuna, promjena
PIN-a po izboru korisnika kartice i kupovanje GSM bona, dodatno
za korisnika MBCARD kartice moguÊ je nalog za prijenos sredstava.
Korisnicima kartica koje se ne autoriziraju u MBNET-u bankomat
u MBNET-u pruæa usluge:
- isplata gotovine, kupovanje GSM bona i (samo za Visa i Visa-
Electron kartice) upit u stanje raËuna.
Korisnici svih kartica mogu primati poruke na engleskom, njemaËkom,
talijanskom i hrvatskom jeziku.
C O M PA N Y P R O F I L E 24
ENG
The acquiring bank that uses MBU services can accept its own,
as well as other's cards at its ATMs, EFTPOS terminals, merchants
without EFTPOS terminals, for payment on the Internet and payment
by cell phone to the GSM operator.
When acquiring the cards of other bank for cash disbursements,
the acquiring bank receives the disbursed amount increased by
the fee (for the disbursement service) from the other bank.
When acquiring the cards of other bank for goods and service
payments, the acquiring bank receives the payment amount from
the other bank decreased by the fee, which belongs to the issuer.
For cards which are authorized in MBNET, “other bank” is the
bank that issued the cards. Cards that are authorized in the other
network, for “principal” bank, the term “other bank” implies another
network which gives the authorization, while for the “affiliated”
bank, the “another bank” implies the “principal” bank.
Services available at ATMs within MBNET for users of all cards
authorized in MBNET include:
- Cash payment, cash deposit, query, PIN change (PIN selected
by cardholder), purchase of GSM voucher and money transfer
order for MBCARD cardholders.
Services available at ATMs within MBNET for other users of all
cards not authorized in MBNET include:
- Cash withdrawal, purchase of GSM voucher and (only for VISA
and VISA-Electron cards) balance inquiry.
All cardholders can receive his instructions in English, German,
Italian and Croatian.

HR
Za sve usluge na bankomatu korisnik kartice koristi svoj PIN i
moæe, prema izboru, dobiti listiÊ potvrde o provedenoj transakciji.
EFTPOS (Electronic Fund Transfer at Point Of Sale) terminal u
MBNET-u pruæa, na prodajnom mjestu ili πalteru banke, korisnicima
kartica slijedeÊe usluge:
- plaÊanje, isplata gotovine, predautorizacija, storno, povrat
sredstava.
Pri upotrebi MBCARD i Maestro kartica, transakciju na EFTPOS
terminalu kupac potvruje unosom svog PIN-a, a pri upotrebi
ostalih kartica potpisom na listiÊu potvrde.
PlaÊanje putem Interneta u MBNET-u pruæa korisnicima kartica
slijedeÊe usluge:
- plaÊanje, storno, povrat sredstava.
C O M PA N Y P R O F I L E 25
ENG
For all services at ATMs, the cardholder uses his/her PIN and may
choose to receive a slip confirming the transaction.
Services available at EFTPOS (Electronic Fund Transfer at Point
of Sale) terminals within MBNET include:
- Payment, cash advance, pre-authorization, reversal,
refund.
Transactions at EFTPOS terminals may be confirmed by the user
when using the MBCARD or the Maestro card by entering the PIN,
or by signing the payment slip when using other card.
Payment via Internet within MBNET for cardholders include:
- Payment, reversal, refund.
TO THE

OTHER SIDE
 C O M PA N Y P R O F I L E 27

MBNET - jednostavno MBNET - an easy way towards

do meunarodnih kartica international cards

MBNET omoguÊuje svakoj banci,
"punopravnoj" i "pridruæenoj", brzo i
jednostavno uvoenje poslovanja s
meunarodnim karticama. Osim autori-
zacija transakcija, MBNET bankama
pruæa:
- podrπku razmjene podataka s
1 2
meunarodnim mreæama,
- podrπku uvoenja velikog broja
naknada izmeu "punopravne" i
"pridruæene" banke,
"Pridruæena" banka, kod prihvata
i izdavanja meunarodnih kartica,
moæe zbog jednostavnosti odabrati
poslovanje za transakcije i za
naknade u kunama.
MBNET enables the quick and simple
implementation of international bank
card business to each “principal” and
3
International International “affiliate” bank. Besides transaction
networks settlement
authorization, MBNET offers the follow-
ing services to member banks:
- International network data clear-
ing support,
5 - Introduction of a large number of
Bank
fees between the “principal” and
4 All in kuna
the “affiliate” bank,
MBNET 6 In order to simplify the process,
Chargeback
center in a bank the “affiliate” bank can, when ac-
quiring and issuing international
cards, choose to charge for trans-
actions and fees in Croatian kuna.

All in kuna - Sve u kunama International networks - Meunarodne mreæe

Chargeback center in a bank - Reklamacijski centar u banci International settlement - Meunarodna poravnanja

HR 1) MBNET πalje podatke o obavljenim transakcijama tuih kartica u MBNET-u. MBNET
takoer izraËunava i πalje naknade meunarodne mreæe.
2) MBNET preuzima od meunarodne mreæe izvjeπtaje i podatke o transakcijama i
naknadama za transakcije MBNET kartica izvan MBNET-a.
3) Poravnanja za transakcije i naknade obavljaju se po nalogu meunarodne mreæe
u stranoj banci u kojoj sve "punopravne" banke imaju otvoren raËun.
4) "Punopravna" banka odreuje naknade "pridruæenim" bankama za prihvaÊanje i
izdavanje kartica. Ove naknade ukljuËuju naknade meunarodne mreæe i druge
troπkove. MBNET moæe podræati proizvoljan broj algoritama naknada za svaku
meunarodnu mreæu i za svaku "punopravnu" banku (prema vrsti kartice, transakcije,
podruËju koriπtenja...). MBNET izraËunava naknadu (u kunama) za svaku pojedinu
transakciju.
5) Sve iznose i naknade MBNET dostavlja bankama takoer i u kunama. "Pridruæene"
banke mogu za meunarodno poslovanje karticama koristiti samo kune, s Ëime se
bitno pojednostavnjuje i informatiËka obrada u bankama.
6) Dodatni se raznovrsni podaci i izvjeπtaji razmjenjuju izmeu MBNET-a i reklamacijskog
centra banke. “Pridruæena” banka ne mora imati vlastiti reklamacijski centar, veÊ za
nju moæe raditi reklamacijski centar “punopravne“ banke.
ENG 1) MBNET sends the data on the transactions done within MBNET by means of bank
cards of other networks. MBNET also calculates and sends the fees of the international
network.
2) MBNET takes over the reports and data on transactions and fees for the transactions
of MBNET cards outside MBNET from the international network.
3) Transaction and fee settlement is done upon the order of the international network
in a foreign bank in which all “principal” banks have an account.
4) The “principal” bank determines the fees for the acquiring and issuing of cards
to the “affiliate” banks. These fees include the fees of the international network and
other costs. MBNET can support an arbitrary number of algorithms for each international
network and each “principal” bank (according to the type of card, transaction, usage...)
MBNET calculates the fees (in Croatian kuna) for each individual transaction.
5) MBNET sends all transaction amounts and fees to the banks in Croatian kuna,
too. The “affiliate” banks can use only Croatian kuna in international bank card
business, which simplifies data processing in banks.
6) Various additional data and reports are exchanged between MBNET and the bank
chargeback center. The ”affiliate” banks do not need to have its own chargeback
center of “principal“ bank may do all the work for “affiliate“ banks.
YOUR REQUEST

OUR GOAL
 C O M PA N Y P R O F I L E 29

poslovanje s meunarodnim international cards business

bankovnim karticama

HR
Povezivanjem MBNET-a s mreæom MasterCard-a i mreæom Vise
ostvareni su tehniËki uvjeti za izdavanje i prihvat meunarodnih
kartica obitelji MasterCard-a i Vise. Povezivanjem s mreæom American
Expressa (Amex) i Dinersa ostvareni su tehniËki uvjeti za prihvat
meunarodnih kartica American Express i Diners.
Svaka transakcija na bankomatu, EFTPOS terminalu ili Internetu
preko MBNET-a s meunarodnim karticama domaÊe ili strane banke
autorizira se u mreæi izdavatelja kartice. Takva se transakcija naziva
"on-line" transakcijom.
Pojedine druge mreæe mogu za neke vrste meunarodnih kartica
obavljati transakcije kupovina (do odreenog iznosa) na osnovi STOP
liste u toj mreæi. Takva se transakcija naziva "off-line" transakcijom.
Meunarodne kartice koje se mogu koristiti u MBNET-u kao i na
svakom bankomatu i na svakom prodajnom mjestu u zemlji i svijetu
oznaËenom barem jednim od znakova koji se nalaze na kartici su:
ENG
After linking MBNET with MasterCard and Visa’s network, all technical
requirements have been met for the acceptance of MasterCard and
Visa family international cards. Also by linking MBNET with the
American Express (Amex) and Diners networks, the technical conditions
have been met for the acquiring of Amex and Diners international
cards.
Each transaction carried out at ATMs or EFTPOS terminals within
MBNET, with domestic-issued international cards or a foreign issued
international card must undergo authorization given by the card issuer’s
host computer. Such an authorization procedure is called “on-line”
authorization. Other networks can transact purchases (up to specified
amount) based on the “STOP” list in that network for certain kinds
of international cards. Such authorization procedures are called “off-
line” authorizations.
International cards which can be used in the MBNET network, as well
as at any ATM and EFTPOS terminal in Croatia and world-wide, bearing
at least one of the following logos printed also on the card, are:

MasterCard kartica za koriπtenje na bankomatima ("on-line") Card acquired at ATMs (“on-line”) and EFTPOS
i EFTPOS terminalima ("on-line" i "off-line") terminals (“on-line” and “off-line”)

Maestro kartica za koriπtenje na bankomatima ("on-line") Card acquired at ATMs (“on-line”) and EFTPOS
i EFTPOS terminalima ("on-line") terminals (“on-line”)

Cirrus kartica za koriπtenje na bankomatima ("on-line") Card acquired at ATMs only (“on-line”)

Visa kartica za koriπtenje na bankomatima ("on-line") Card acquired at ATMs (“on-line”) and EFTPOS
i EFTPOS terminalima ("on-line" i "off-line") terminals (“on-line” and “off-line”)

Visa-Electron kartica za koriπtenje na bankomatima ("on-line") Card acquired at ATMs (“on-line”) and EFTPOS
i EFTPOS terminalima ("on-line") terminals (“on-line”)

Plus kartica za koriπtenje na bankomatima ("on-line") Card acquired at ATMs only (“on-line”)

American Express kartica za koriπtenje na bankomatima ("on-line") Card acquired at ATMs (“on-line”) and EFTPOS
i EFTPOS terminalima ("on-line" i "off-line") terminals (“on-line” and “off-line”)

Diners kartica za koriπtenje na bankomatima ("on-line") Card acquired at ATMs (“on-line”) and EFTPOS
i EFTPOS terminalima ("on-line" i "off-line") terminals (“on-line” and “off-line”)
world is our

home

EMV + autentikacija + ...
HR
MBNET je usklaen sa zahtjevima za koriπtenje Ëip kartica prema
EMV (Europay-Mastercard-Visa) specifikacijama i sukladan je sa
zahtjevima globalne interoperabilnosti u poslovanju banaka
licenciranih za izdavanje i prihvat MBCARD, Mastercard i Visa
EMV Ëip kartica.
»ip kartica MBNET-a, pored temeljne debitne ili kreditne funkcije,
podræava funkcije identifikacije, autentikacije, digitalnog potpisa i
skupljanja bodova za koriπtenje sheme lojalnosti.
Izdavanje viπenamjenske EMV Ëip kartice odvija se u nizu poje-
dinaËnih procesa koji su u MBU razvijeni u zaokruæene poslovne
cijeline u svrhu omoguÊavanja izbora koriπtenja pojedine ili kompletne
usluge izdavanja EMV Ëip kartice.
Pored koriπtenja na bankomatima i na prodajnim mjestima
opremljenim EFTPOS terminalima, EMV Ëip kartica MBNET-a se
na jednostavan i siguran naËin, uz koriπtenje istog PIN-a i odgova-
rajuÊeg ËitaËa Ëip kartice, koristi i za obavljanje telefonskih i Internet
transakcija.
EMV sukladan MBNET s pridruæenom Ëip karticom i ËitaËem Ëip
kartice je suvremena osnova za jednostvanost i sigurnost u razvoju
i obavljanju poslovanja u viπekanalnom bankarstvu.
C O M PA N Y P R O F I L E 31
EMV + authentication + ...
ENG
MBNET meets the requirements for chip-card use under the EMV
(Europay-Mastercard-Visa) specifications and is consistent with
global interoperability requirements for the operations of banks
licensed for the issuance and acceptance of MBCARD, MasterCard
and Visa EMV chip cards.
In addition to its basic debit and credit card functions, the MBNET
chip card supports identification, authentication, digital signature
and loyalty functionalities.
The issuance of the multipurpose EMV chip cards follows a sequence
of separate processes developed by MBU as self-standing business
modules allowing customers to choose individual or comprehensive
EMV chip-card issuance services.
Alongside with its use at ATMs and EFTPOS terminals, the MBNET
EMV chip card allows easy and secure performance of telephone
and Internet banking transactions by using the same PIN and the
appropriate chip-card reader.
The EMV-compliant MBNET with the accompanying chip card and
chip-card reader provides a state-of-the-art platform for simple
and secure development and performance of multichannel banking
operations.
EXCHANGE

Globally
 C O M PA N Y P R O F I L E 33

autorizacije transakcija transaction authorization

putem meunarodnih mreæa via international netwoks

Network A
(abroad)

International
network Network B
(abroad) Terminal
MasterCard, Visa,
Amex, Diners
M

Other
MBNET network in
network Croatia

Terminal

International network - Meunarodna mreæa Network B (abroad) - mreæa B (inozemstvo) Other network in Croatia - Druga mreæa u Hrvatskoj
Network A (abroad) - mreæa A (inozemstvo) MBNET network - MBNET mreæa

HR ENG
Pojedina mreæa je "prihvatitelj" za transakcije na bankomatima i EFTPOS terminalima The individual network is the “acquirer” for transactions at ATMs and EFTPOS terminals
koji su u njoj i "izdavatelj" za kartice koje se vode u toj mreæi. in that network, and, at the same time, the “issuer” for the cards managed in that
network.

Ëvor meunarodne mreæe International network node

terminal (bankomat, EFTPOS ili plaÊanje putem Interneta) Terminal (ATM, EFTPOS or payment through Internet)

kartica pojedinog izdavatelja: Card of the individual issuer:

M kartica banke Ëiji se podaci vode u mreæi MBNET M bank card managed within the MBNET network

A kartica inozemne banke Ëiji se podaci vode u mreæi A A international bank card managed in network A
ALWAYS PURSUIT the

TECHNOLOGY

MBePAY - plaÊanje
karticama putem Interneta
E-payment
provider
Web merchant
Internet
(SSL)
Web merchant
web merchant - web trgovac leased channel - zakupljeni kanal
HR
Rast broja Internet korisnika potiËe razvoj e-trgovine i sukladno tomu
javlja se interes trgovaca za prihvat platnih kartica prilikom plaÊanja
putem Interneta. Da bi se potaklo povjerenje kupaca za plaÊanje
karticama putem Interneta, potrebno je razviti sustave plaÊanja koji
ostvaruju sigurno povezivanje trgovaca, kupaca i financijskih institucija
putem Interneta.
MBePAY - Internet payment gateway je sustav za on-line plaÊanje
bankovnim karticama na Internetu sa autorizacijom transakcija u
realnom vremenu. Kroz MBePAY sustav trgovci su povezani na
meunarodne mreæe autorizacije transakcija kartiËnog plaÊanja. Sustav
jamËi sigurnost, autentiËnost i povjerljivost podataka korisnika kartice
dok na Internetu plaÊa karticom.
MBePAY omoguÊuje prihvat MBCARD Ëip kartica s PIN-om. Takav
naËin plaÊanja pruæa moguÊnost plaÊanja karticom putem Interneta
koristeÊi se istim PIN-om kojim se koristi na bankomatima, πto klijentu
banke pruæa dodatnu praktiËnu vrijednost za jednostavno i sigurno
obavljanje transakcije putem Interneta.
C O M PA N Y P R O F I L E 35
MBePAY - Internet card payment
leased
channel ACS
Internet Authorization
Payment System
Gateway
VPOS
MBU
Authorization system - autorizacijski sustav
ENG
The growth in the number of Internet users spurs the development
of e-commerce, and this in turn prompts the interest of merchants
in accepting credit cards for online payment. To ensure the confidence
of buyers when making card payments by Internet, it is necessary to
develop a payment system that facilitates secure links between
merchants, buyers and financial institutions on the Internet.
MBePAY - Internet payment gateway is a system for on-line payment
using bank cards on the Internet, with transaction authorization
executed in real time. Using MBePAY system merchants are linked
with international card payment transaction authorization networks.
The system guarantees cardholder data security, authenticity and
confidentiality during online payment.
MBePAY enables acquiring of MBCARD chip card with PIN. This
payment method facilitates card payment via Internet using the same
PIN that is used at ATMs, and this offers bank clients added practical
value for simple and secure Internet transactions.

HR
Prema MasterCard-u i VISA-i Ëip kartica s ËitaËem Ëip kartice se u
cijelosti uklapa u njihovo rjeπenje CAP (Chip Authentication Program)
namjenjeno za e-poslovanje na Internetu s EMV Ëip karticama i
certificiranim ËitaËima kartica.
Pored plaÊanja na internetu, MBePAY terminal se moæe koristiti za:
· PlaÊanja mobilnim telefonom - za korisnike MBCARD i MasterCard
kartica.
· MOTO (Mail Order/Telephone Order) plaÊanja
· PlaÊanja GSM operateru
C O M PA N Y P R O F I L E 36
ENG
According to MasterCard and Visa, chip cards with chip card
readers comply with their CAP (Chip Authentication Program)
intended for e-business on Internet with EMV chip cards and
certified chip card readers.
Beside payments on the Internet, MBePAY terminal can be used for:
· Payments with mobile phone - for MBCARD and MasterCard
cardholders
· MOTO (Mail Order/Telephone Order) payments
· Payments to the GSM operator
 C O M PA N Y P R O F I L E 37

autentikacija na Internetu Internet authentication

1 2
Bank 1
Protected services
3 4
1 4
Internet Bank 2
Client Protected services
(SSL)

Bank n
2 3 Protected services

Web interface

Authentication
system

MBU

client - klijent web interface - web suËelje

bank, protected services - banka, πtiÊeni servisi authentication system - sustav za autentikaciju

HR 1. Klijent pristupa aplikaciji Internet bankarstva ENG 1. The client accesses the Internet banking application
2. Banka preusmjerava provjeru klijenta na sustav za autentikaciju u MBU 2. The bank redirects client verification to the MBU authentication system
3. MBU banci potvruje autentiËnost klijenta 3. MBU confirms the client’s idenity for the bank
4. Banka dopuπta pristup i prijavu klijenta 4. The bank permits client access and log-in

Internet i telefonsko bankarstvo i drugi javni servisi banaka zahtijevaju
pouzdan proces autentikacije korisnika. U cilju poveÊanja sigurnosti,
dosadaπnji naËini autentikacije temeljeni na korisniËkom imenu i
statiËnoj lozinci zamjenjuju se jednokratnom promjenjivom lozinkom,
koja se izraËunava pomoÊu tokena ili Ëip kartice.
MBU je razvio i integrirao sustav za autentikaciju koji omoguÊuje
bankama siguran i jednostavan, te lako primjenjiv sustav zaπtite
aplikacija Internet i telefonskog bankarstva. Sustav se temelji na
Ëip kartici, a uz autentikaciju omoguÊuje i digitalni potpis transakcije.
Dodatno, za generiranje jednokratne lozinke i digitalnog potpisa
mogu se koristiti i samostalni tokeni, te GSM ureaji sa aplikacijom
na SIM kartici.
Internet and telephone banking (telebanking) and other public
banking services require a fool-proof user authentication process.
In the interests of increasing security, all current methods of
authentication based on user-name and a static password are now
being replaced with a single-use changing password that is computed
with the help of a token or chip card.
The MBU has developed and integrated an authentication system
for banks that facilitates secure and simple - and easily changeable
-protection for their Internet applications and telebanking. The
system is based on a chip card, which together with authentication
also enables digital signatures for transactions. Also, tokens may
be used to generate single-use passwords and digital signatures,
as can GSM devices with SIM card applications.

HR
Sustav za autentikaciju je izveden kao centralni sustav kojem se
pristupa preko javne Internet mreæe ili zakupljenog kanala, a moæe
opsluæivati viπe banaka ili klijenata, odnosno web aplikacija. Sastoji
se od Ëip kartice i ËitaËa Ëip kartice za generiranje jednokratne
lozinke, centralnog sigurnosnog servera za verifikaciju i πtiÊenih
bankovnih servisa. Zahtjev klijenta za prijavu na neki od bankovnih
servisa preusmjerava se na autorizacijski sustav MBU-a. Nakon
uspeπne autorizacije, sustav proslijeuje odgovor serveru banke i
klijentu se dopuπta pristup. Na isti naËin se vrπi i provjera ispravnosti
digitalnog potpisa, nakon koje se, ovisno o odgovoru, nalog izvrπava
ili odbija.
Izdavanjem EMV Ëip kartice koriπtenjem ËitaËa Ëip kartice i sustava
za generiranje jednokratne lozinke i digitalnog potpisa, omoguÊeno
je koriπtenje jednog jedinog PIN-a za obavljanje transakcija s
bankom putem bilo kojeg kanala viπekanalnog bankarstva. Time
zapravo moto “jednom Ëip karticom s jednim PIN-om do bankarske
usluge bilo gdje, bilo kada i bilo kako” postaje stvarnost zahvaljujuÊi
razvijenom telefonskom i Internet bankarstvu, uslugama na
bankomatima i elektroniËkom plaÊanju na prodajnim mjestima s
EFTPOS terminalima.
C O M PA N Y P R O F I L E 38
ENG
The authentication system is set up as a central system accessed
through the public Internet network or leased channels, and can
serve several banks, clients or Web applications. It consists of chip
cards and chip card reader to generate single-use passwords, a
central security server for verification, and protected bank services.
The client’s request to access any of the banking services is
redirected to the MBU authorization system. After successful
authorization, the system forwards the bank server’s response to
the client and permits access. The accuracy of the digital
signature is verified in the same manner, after which the order is
either carried out or rejected depending on the response.
Issuing of EMV chip cards by use of chip card readers and systems
to generate single-use passwords and digital signatures facilitates
the use of a single PIN to conduct transactions with a bank in any
channel of multichannel banking. Thus, the slogan “one chip card
with one PIN for banking services anywhere, anytime and anyhow”
is actually becoming a reality thanks to developed telephone and
Internet banking, ATM services and electronic payment at retail
outlets with EFTPOS terminals.
 C O M PA N Y P R O F I L E 39

MBSMS MBSMS

mobile operator
MBSMS
data transfer

User 1
SMS
MBNET receiving
SMS and
DB server distribution
channel
leased

system
User N
MBU

Bank 1 data trensfer Bank N

Data transfer - prijenos podataka SMS server - SMS posluæitelj User - korisnik
Leased channel - zakupljeni kanal SMS receiving and distribution system - sustav za
Mobile operator - mobilni operater prihvat i distribuciju SMS poruka

HR
U trenutku uvoenja SMS (Short Message Service) usluge niti
najveÊi optimisti nisu mogli predvidjeti masovnost koriπtenja te usluge.
Danas SMS i aplikacije zasnovane na SMS-u predstavljaju vrlo atraktivan
dio poslovanja mobilnih operatora. MBU je uvidio taj potencijal i uveo
u funkciju sustav koji je nazvan MBSMS.
ENG
When SMS (Short Message Service) was introduced, not even the
greatest optimists could have foreseen today’s mass use of the service.
Today SMS and SMS-based applications are a very attractive part of
operations for mobile operators. The MBU has perceived this potential
and put into function a service known as MBSMS.

U osnovi MBSMS je uveden za obavjeπtavanje korisnika kartica o
obavljenim autorizacijama u svrhu ranog otkrivanja potencijalne zlorabe
kartice.
MBSMS usluga temelji se na izdvajanju autorizacije s autorizacijskog
sustava u trenutku njihovog nastajanja i njihovoj isporuci GSM operateru.
Svaka transakcija se uparuje s kontakt podacima korisnika
kartice/MBSMS-a te im se πalje SMS obavijest o obavljenoj transakciji.
MBSMS je razvijen u vrlo fleksibilan sustav koji omoguÊava distribuciju
informacija bez ograniËenja πto uvelike olakπava razvoj novih usluga.
PoËetni skup usluga MBSMS omoguÊava bankama slanje informacija
Basically, MBSMS was introduced to inform cardholders of completed
authorizations with the goal of early detection of potential card misuse.
MBSMS service singles out authorizations from Authorization system
at the moment the authorization is made and delivers it to GSM
provider. Each transaction is matched with cardholder/MBSMS user
data and SMS notification about transactions is sent.
MBSMS has been developed as a very flexible system that facilitates
the distribution of information without limitation, which creates the
basis for the easier development of new services. The initial group of
MBSMS services makes it possible for banks to send information on

HR
o obavljenim transakcijama i promjenama stanja na raËunu. Uspjeπna
komunikacija nije jednostrane prirode, pa iz toga razloga sustav je
dizajniran tako da i klijenti banaka mogu slati razne upite putem SMS-
a na koje Êe dobiti odgovore od MBSMS sustava. Na ovaj naËin klijenti
koji ne æele dobivati redovite obavijesti o koriπtenju njihove kartice
mogu to napraviti onoga trenutka kada za to imaju æelju ili potrebu.
Takoer, banke mogu koristiti MBSMS usluge za slanje obavijesti
proizvoljnog oblika (marketinπki tekst, obavijesti o kreditu, obavijesti
o stanju raËuna itd).
C O M PA N Y P R O F I L E 40
ENG
completed transactions and changes in the balance of accounts.
Successful communication is not only one-way, so the system is
designed to allow clients to send various queries by SMS to receive
responses from the MBSMS system. In this manner, clients who do
not want to receive regular notifications on their card use can do so
whenever they want or need.
Also, bank can use MBSMS service to send free form bulk notification
(marketing text, loan notifications, account balance notifications etc).

upravljanje resursima bankomata
oglaπavanje na bankomatima
HR
Usluga Upravljanje Resursima Bankomata objedinjuje sve usluge
koje se na bankomatima mogu obavljati s udaljene centralne lokacije,
a koje su dosad obavljane od strane djelatnika banke ili eksternih
organizacija. Ova usluga omoguÊava banci prihvat bankomatskog
elektroniËkog dnevnika, postavljanje marketinπkih poruka na banko-
matima, software management, patch management, prihvat/slanje
bankomatskih datoteka i pokretanje komandi na daljinu.
Ekran bankomata idealan je oglasni prostor, jer je paænja korisnika
uvijek fokusirana na njegov sadræaj. Isto vrijedi i za listiÊ potvrde o
izvrπenoj transakciji koji se izdaje na zahtjev korisnika. Na bankomatima
u MBNET-u implementirane su posebne funkcije za rukovanje slikama.
Svaka banka moæe, neovisno o MBU-u i drugim bankama, definirati
slike i poruke, te ih vrlo jednostavnim postupkom instalirati na svoje
bankomate. Vrsta oglaπavanja moæe se prilagoditi lokaciji na kojoj se
bankomat nalazi, Ëime se otvara i moguÊnost iznajmljivanja oglasnog
prostora.
C O M PA N Y P R O F I L E 41
ATM Resource Management
ATM advertising
ENG
ATM Resource Management combines all ATM services which can
be provided from remote central location, and till now have been
made by bank employees or external organizations. This service
enables to bank: ATM journal retrieval, ATM advertising, ATM software
management, ATM patch management, data on demand and ATM
remote control.
ATM screens are an ideal advertising space, because the attention
of users is always focused on its content. The same is true of transaction
receipts issued at the user’s request. At MBNET ATMs, special functions
have been implemented to handle the images that will be displayed
on the screen. Each bank can define these images and messages
independently of the MBU and other banks, and install them in its
ATMs using a very simple procedure. The type of advertising can be
adapted to the ATM’s location, opening up the possibility of selling
the ad space.
 Results
ACQUIRE PREMIUM

obroËno plaÊanje
HR
MBU podræava uslugu obroËnog plaÊanja na EFTPOS terminalima za
MBCARD, Maestro i VISA kartice. Banka moæe koristiti uslugu kao
izdavatelj i/ili prihvatitelj, pri Ëemu autorizacijski sustav provjerava
definirane ugovorne odnose izmeu banke izdavatelja i banke
prihvatitelja.
Postupak provoenja transakcije obroËnog plaÊanja zapoËinje
transakcijom kartice na terminalu banke prihvatitelja koja ima definirane
odnose sa bankom izdavateljem. Obje banke trebaju podræavati uslugu
obroËnog plaÊanja, te definirati ugovorne odnose i maksimalni dopuπteni
broj rata. Banka izdavatelj kontrolira kreditni rizik korisnika kartice i
ograniËava moguÊe zaduæenje dodatnim kreditnim raËunom uz
postojeÊi debitni raËun. Stanje kreditnog raËuna definira maksimalni
ukupni iznos kreditnog zaduæenja i banka ga πalje u MBU standardnim
naËinom razmjene podataka i raËunima.
Ova usluga omoguÊuje kvalitetnu i fleksibilnu uslugu banke prema
klijentu, te jednostavnost upravljanja kreditnim rizikom i zaduæenjima
klijenata.
C O M PA N Y P R O F I L E 43
instalment payment
ENG
MBU supports instalment payment at EFTPOS terminals for MBCARD,
Maestro and VISA cards. Bank can use this service as Issuer and/or
Acquirer. Authorization system checks contractual relationship between
Issuing and Acquiring bank.
Instalment payment transaction starts with transaction at Acquiring
bank terminal which has contract with Issuing bank. Both banks have
to support instalment payment, define mutul relations and maximum
number of allowed instalments. Issuing bank controls cardholder
credit risk and limits cardholder indebtedness with additional credit
account to existing debit account. Balance on additional credit account
defines maximal total credit indebtedness which bank sends to MBU
using standard exchange methods.
This service enables to the bank possibility to give its customer quality
and flexible service, and easy way of managing credit risk and client
debts.
 endless
imagine

possibilities

prodaja bonova
na bankomatima
HR
MBU je razvio tehniËko rjeπenje za prodaju bonova za MBCARD
i sve MasterCard i VISA produkte na bankomatima u MBNET-u.
Korisnik unosi PIN, odabire vrstu i vrijednost bona, te nakon
odobrenja transakcije dobija bon ispisan na listiÊu potvrde.
Na centralnom raËunalu MBU moguÊe je definirati vrste bonova
koje bankomati pojedine banke prodaju i vrste kartica s kojima je
bonove moguÊe kupiti, ovisno o ugovornim odnosima banaka,
isporuËitelja bonova i kartiËnih organizacija. Bez obzira na vrstu
kartice, korisnik plaÊa iznos jednak vrijednosti bona, bez dodatnih
naknada.
U skladu sa standardima prihvaÊenim u MBU, posebna paænja
posveÊena je osiguravanju visoke kvalitete ove usluge. Posebnost
MBU-ovog rjeπenja je funkcija besplatnog ispisa zadnjeg kupljenog
bona na bilo kojem bankomatu u MBNET-u, Ëime je broj reklamacija
sveden na najmanju moguÊu mjeru.
Rjeπenje je upotrebljivo, osim za prodaju bonova GSM i VOIP
operatera, i za prodaju drugih vrsta bonova sa aktivacijskim kodom.
C O M PA N Y P R O F I L E 45
vouchers sale
on ATMs
ENG
The MBU has developed a technical solution for the sale of vouchers
at MBNET ATMs for MBCARD, MasterCard and Visa products.
The user enters his/her PIN, selects the voucher type and value,
and after the transaction is approved he or she receives the voucher
printed on a receipt slip. The MBU’s central computer can define
the types of vouchers the ATMs of individual banks sell and the
type of cards that can be used to purchase vouchers, depending
on the contractual relations between the banks, the voucher provider
and the card organization. Regardless of the card type, the user
pays an amount that is equal to the voucher’s value without any
additional fees.
In line with the MBU’s accepted standards, particular attention
has been dedicated to ensuring a high level of service quality.
A special aspect of the MBU’s solution is the free print-out of the
last purchased voucher at any MBNET ATM, reducing the number
of refunds down to a minimum.
Apart from the sale of coupons offered by GSM and VOIP operators,
the solution is applicable to the sale of other types of coupons with
activation code.
KEEP IN

MOTION

procesiranje kartica
HR
MBU pored neprekidnog rada na unaprijeenju tehnoloπke razine
i kvalitete procesiranja transakcija, razvio je i uveo u funkciju grupu
usluga procesiranja kartiËnih proizvoda u svrhu pruæanja bankama
kompletne podrπke u kartiËnom poslovanju omoguÊujuÊi bankama
da teæiπte svoje aktivnosti usmjere na izbor najpovoljnijih proizvode
za svoje klijente, na marketing i na træiπno nadmetanje. Osnovne
usluge iz tog podruËja su:
Voenje kreditnih kartica - MBU bankama pruæa uslugu cjelovitog
voenja kreditne kartice od generiranja kartice, pripreme
personalizacijskih podataka i njihova dostava u personalizacijski
centar, prihvat i obrada transakcija, obraËun naknada i kamata,
priprema izvoda te razmjena podataka s bankom. Koriπtenjem ove
usluge banka nema potrebe implementirati kod sebe sustav za
voenje kreditnih kartica, veÊ samo suËelje prema vlastitom
informacijskom sustavu.
Voenje reklamacijskih postupaka - Reklamacijski postupci prema
drugim bankama Ëlanicama VISA-e i MasterCard-a sloæeni su,
dugotrajni i financijski riziËni poslovi. Ekspertiza u tom podruËju
je viπestruko organizacijski i financijski zahtjevna zbog Ëega je i
izuzetno skupa za one banke koje nemaju kritiËnu masu kartica i
zahtjeva. MBU pored ostalih nudi i ovu uslugu za sve one kartice
koje vodi u svom sustavu.
C O M PA N Y P R O F I L E 47
card processing
ENG
Besides ongoing efforts to improve the technology and transaction
processing quality, MBU has also developed and put into operation
a group of card product processing services with the aim of offering
banks comprehensive support in card operations, thereby making
it possible for banks to focus their activities on selection of the best
products for their clients, marketing and competition. The basic
services in this field are:
Credit card management - MBU provides banks with comprehensive
credit card management services, from generation of cards,
preparation of personalization data and their delivery to the
personalization center, to receiving and processing of transactions,
computation of fees and interest, preparation of statements and
exchange of data with the bank. By using these services, banks
have need not implement credit card management systems of their
own. All they need to do is create an interface with their own IT
systems.
Refund procedure management - Refund procedures involving
other Visa and MasterCard member banks are complex, time-
consuming and financially risky operations. Expertise in this field
is quite demanding, both organizationally and financially, which is
why it is exceptionally expensive for those banks that have not
achieved that critical mass between cards and demand. MBU
additionally offers this service for all cards managed in this system.
SEARCH FOR THE

BETTER VIEW

nadzor kartiËne prijevare
HR
Otkrivanje kartiËne prijevare - Obveze koje banke imaju prema
meunarodnim kartiËnim organizacijama i politika smanjenja rizika
banaka u kartiËnom poslovanju upuÊuju nuæno na uspostavu posebnog
oblika nadzora odvijanja transakcija u svrhu πto ranijeg otkrivanja i
prevencije kartiËne prijevare. MBU je opremljen certificiranim
suvremenim i visoko kvalitetnim sustavom za otkrivanje kartiËne
prijevare te ekipiran i osposobljen za pruæanje usluge otkrivanja, analize
i prevencije kartiËne prijevare. Obzirom da je MBU u srediπtu odvijanja
transakcija logiËno je da je to ujedno i optimalna lokacija za upravljanje
rizikom kod kartiËne prijevare za viπe banaka uz najniæi investicijski i
operativni napor u odnosu da taj posao obavljaju pojedinaËno same.
»itava koncepcija nadzora kartiËne prijevare zasniva se na
prepoznavanju uzoraka. Kada se prepozna riziËna transakcija iduÊi
korak je kontaktirati klijenta i ustanoviti da li je zaista u pitanju prijevara
ili laæna uzbuna.
MBU je prepoznao potrebu da svojim Ëlanicama ponudi nadzor
kartiËne prijevare na sljedeÊe naËine:
- Administracija - ukljuËuje voenje sustava, administriranje pravila
i sve ostale radnje potrebne da bi se uspostavila osnovna
funkcionalnost sustava
- Udaljeni ekran - omoguÊava analitiËaru u banci da u realnom
vremenu vidi upozorenja i pravovremeno kontaktira klijenta
- AnalitiËari u MBU - omoguÊava banci da posao praÊenja
upozorenja i kontaktiranja klijenata prebaci na MBU te bude
upozorena samo u sluËaju da se sluËaj prijevare potvrdi.
C O M PA N Y P R O F I L E 49
card fraud monitoring
ENG
Card fraud detection - The obligations of banks to international card
organizations and the policy of reducing bank risks in card operations
emphasize the need to establish a special form of transaction supervision
to facilitate the earliest possible detection and prevention of card fraud.
MBU is equipped with a certified, modern and high-quality card fraud
detection system, staffed and capable of providing services such as
detection, analysis and prevention of card fraud. Since MBU serves
as a transaction hub, it is logically the optimum location to manage
card fraud risks for a number of banks, since investment cost and
operative effort are the lowest, as opposed to each bank doing so
individually.
Card fraud monitoring is based on pattern identification. When risk
transaction is recognized the next step is to contact the client and
establish whether the transaction is really fraudulent or it is a false
alarm.
MBU recognized the need to offer this service to banks in the following
way:
- Administration - includes: system management, rules administration
and all other actions necessary to establish base system functionality.
- Remote screen - enables bank analyst to see alerts in near real
time and to contact the cardholder in time.
- MBU Analysts - MBU instead of bank processes the alerts and
contacts the cardholder if needed. Bank is informed just in case
when the fraud occurs.

podrπka korisnicima
HR
Centar za podrπku korisnicima - U svakodnevnom poslovanju banke
imaju potrebu obavljati razliËite aktivnosti po svojim karticama, banko-
matima i EFTPOS ureajima, od jednostavnog blokiranja kartice do
vrlo sloæenih zahvata. MBU, kako bi kvalitetno podræao svoje klijente
u obavljanju navedenih aktivnosti izgradio je i uveo u funkciju suvremenu
platformu Help Desk On-Line na kojoj je uspostavio suvremeni Centar
za podrπku korisnicima kojemu se moæe pristupiti putem viπe kanala
(telefon, fax, web). Razina usluge koju MBU pruæa putem svog Centra
za podrπku korisnicima je iznad industrijskih standarda za takve usluge.
Prednost postavljanja zahtjeva putem weba je u cijeni usluge koja je
niæa od cijene usluge po ostalim zahtjevima, veÊoj sigurnosti podataka
u zahtjevu, maksimalno pojednostavljenoj proceduri praÊenja zahtjeva
te jednostavnost izrade potrebnih izvjeπtaja. Od trenutka zadavanja
do konaËnog rjeπenja zahtjeva aplikacija biljeæi kada je zahjev predan,
tko ga je predao, tko ga je i kada preuzeo, kome je zahtjev proslijeen
i konaËno, u trenutku kada je zahtjev rijeπen biljeæi se tko je zadatak
rijeπio uz obavezno pojaπnjenje rjeπenja.
C O M PA N Y P R O F I L E 50
customer support
ENG
Customer Support Center - In their everyday operations, banks need
to perform various activities involving their cards, ATMs and EFTPOS
terminals, from simple card blocking to very complex tasks. To provide
quality support to its clients when performing these activities, MBU
has developed and made operational its Help Desk On-line, where
it has established its modern Customer Support Center, which can be
accessed either by phone, fax or the Internet. The level of services
that MBU offers through its Customer Support Center is well above
the industry standard for such services.
The advantage of sending requests via web is: the price is lower than
for other channels, data security in request is higher, the procedure
of tracking the requests is easier and simplicity of creating needed
reports. From the moment of entering the request till closing, the
application tracks who entered the request, when it was accepted
and by who, to whom the request was forwarded. Finally in the moment
of closing, it is tracked who and when solved the request with solution
explanation enclosed.

sustav kontrole rizika - SKOR
Recipient
Domestic
settlement
Recipient
Croatian
Post Office
Recipient - preuzimatelj User 1 - korisnik 1
Sender/Recipient - poπiljatelj/preuzimatelj Croatian Post Office - Hrvatska poπta
HR
SKOR je automatizirani sustav razmjene podataka u funkciji kontrole
rizika u poslovanju banaka s karticama, Ëekovima i πtednim
knjiæicama.
SKOR se temelji na informatiËko-komunikacijskoj tehnologiji po
modelu elektroniËke poπte. SKOR je uveden u funkciju 1. listopada
1998.g. Njime je zamjenjen bivπi sustav razmjene podataka koji
se temeljio na tehnologiji telefaksa.
Korisnici SKOR-a su banke i FINA. SKOR podræava razmjenu
podataka o ukradenim, izgubljenim i krivotvorenim bankovnim
ispravama (knjiæice, Ëekovi, kartice) slanjem i preuzimanjem poruka
u elektroniËkom formatu utvrenim modelom protokola.
SKOR osigurava funkciju razmjene poruka na naËin da iste prihvaÊa
od ovlaπtenih poπiljatelja i stavlja ih u pretince na raspolaganje
adresiranim preuzimateljima. Korisnici dnevno preuzimaju sadræaj
iz svojih pretinaca. Sustav biljeæi vrijeme prijema poruka, njihovog
smjeπtaja u pretince i vrijeme preuzimanja.
C O M PA N Y P R O F I L E 51
SKOR - risk control system
Sender/Recipient
User 1
SKOR
Sender/Recipient
User N
User N - korisnik N
Domestic settlement - platni promet u zemlji
ENG
SKOR is the automated data exchange system providing risk control
in the banking business, which includes bank cards operations,
paper checks operations and savings accounts.
SKOR is based on information and communication technology
utilized in electronic mail. SKOR was introduced on October 1,
1998., replacing the former data exchange system, which was
based on telefax technology.
Banks and FINA use SKOR. SKOR supports data exchanges
involving stolen, lost and counterfeited bank documents (deposit
books, paper checks and cards) by sending and accepting the
messages in an electronic format determined by the protocol model.
SKOR enables the message exchange by accepting them from the
authorized senders and placing the messages into inboxes that
are at the recipients’ disposal. The users check the messages in
their inboxes on a daily basis.
The system records the time the message is sent, its placement
into inboxes, as well as the time of their pick-up.
FOLLOW YOUR

IMPROVEMENTS

MBU ukorak sa
svjetskim trendovima
HR
MBU je proizvod interesa i volje banaka za napretkom u poslovanju
s bankovnim karticama po meunarodnim standardima. Ostvarenja
u MBNET-u su izraz poslovne zrelosti i sposobnosti banaka a
povjerenje u njegovu pouzdanost i sigurnost su jamstvo buduÊeg
uspjeha i napretka ukorak sa svjetskim trendovima.
Pogodnosti za banke i trgovine
KoristeÊi usluge MBU-a banke slijede trendove razvijenog bankar-
stva i ostvaruju dobit uz minimalne individualne napore.
KoristeÊi usluge MBU-a trgovine ostvaruju veÊi promet, a time i
veÊu dobit. Putem MBNET-a se ukljuËuju u globalne sustave
elektroniËkog plaÊanja.
Lakπi put do novih tehnologija
MBNET sadræi rjeπenje koje se u praksi potvrdilo kao dobra osnova
za razvoj:
- kreditne i debitne Ëip kartice prema EMV specifikacijama
- identifikacija i autentikacija Ëip karticom za usluge e-bankarstva
- sustava plaÊanja putem Interneta i mobilnih telefona
- koriπtenja usluga telefonskog, mobilnog i Internet bankarstva
- sheme lojalnosti.
Ugled banaka, kvaliteta usluga i zadovoljstvo korisnika MBU
svojim kvalitetnim radom osigurava bankama visoku kvalitetu usluga
dvadesetËetiri sata dnevno, svakog dana u godini, doprinoseÊi time
ugledu banaka i zadovoljstvu korisnika usluga u poslovanju s
karticama.
Sigurnost
MBU-ov sigurnosni sustav ugraen u MBNET omoguÊuje visoki
stupanj zaπtite svih sudionika u poslovanju s karticama u realnom
i virtualnom svijetu.
C O M PA N Y P R O F I L E 53
join MBU to keep pace
with world-wide trends
ENG
MBU has been established as a result of the interest and willingness
of Croatian banks to improve their own card businesses and keep
pace with international standards. The accomplishments of MBNET
prove the business maturity and competence of the banks.
Confidence in its reliability and security guarantee future success
and progress that will keep up with worldwide trends.
Advantages for banks and merchants
By using the services provided by MBU, banks follow trends
prevalent in advanced banking systems and realize profits with
minimum individual organizational and funding efforts.
By using the services provided by MBU, the merchants increase
their turnover and, consequently, their profits. MBU integrates
them into a global system of electronic payments via MBNET.
An easier way towards state-of-the-art technologies MBNET found
a solution which has proven to be sound basis for development in
practice:
- Credit and debit chip cards according to EMV specifications
- Identification and authentication for e-banking with chip card
- Payment systems using the Internet and mobile phone
- Use of telephone, mobile and Internet banking
- Loyalty schemes.
Bank reputation and service quality
MBU contributes to enhancing the reputation of banks and the
quality of their services by providing high quality service 24 hours
a day, 365 days a year.
Security
MBU’s security system built into the MBNET provides a high level
of security in real and virtual world.
 LOOKING UP
ALWAYS
 C O M PA N Y P R O F I L E 55

MBNET pregled MBNET activity review

aktivnosti 1996-2006 1996-2006

HR ENG
Ë
Ë

MBNET terminals /// terminali u MBNET-u cards /// kartice

4000 1200000
1100000
3500
1000000

3000 900000
800000
2500
700000

2000 600000
500000
1500
400000

1000 300000
200000
500
100000

0 0
1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006

ATMs - bankomati cards - kartice

EFTPOS
Ë
Ë

MBNET ATM transactions /// transakcije na bankomatima u MBNET-u transactions at MBNET EFTPOS terminals /// transakcije na
EFTPOS terminalima u MBNET-u

4000000

18000000 3500000

16000000 3000000
14000000
2500000
12000000
10000000 2000000

8000000 1500000
6000000
1000000
4000000
500000
2000000
0 0
1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006

cash withdrowal - podizanje gotovine payments - plaÊanja

 C O M PA N Y P R O F I L E 56

MBU d.o.o.
HR ENG

MBU d.o.o. MBU Ltd

za informatiËki inæinjering IT engineering
i meubankarske usluge and interbanking services

Andrije Æaje 61 Andrije Æaje 61

10000 Zagreb 10000 Zagreb
tel. 01/4803 666 tel. ++385 (0)1 4803 666
fax. 01/3049 346 fax. ++385 (0)1 3049 346
e-mail: info@mbu.hr e-mail: info@mbu.hr
www.mbu.hr www.mbu.hr

Tekst pripremili djelatnici Text: MBU Ltd specialists

i suradnici MBU d.o.o. and associate consultants
Oblikovanje: Design:
Tisak: Kratis Press: Kratis
Naklada: 600 Edition: 600
Zagreb, 2007. Zagreb, 2007.