SPARROW

ON ATM AND POS

Today’s solution for tomorrow’s self-sevice bank

BANKWORLD | BANK ON THE FUTURE WITH TODAY’S TECHNOLOGY CR2.COM

CR2’S SPARROW
ON ATM AND POS
The retail banking industry has been undergoing significant change in recent years. Customers are
turning more and more to self-service channels to manage their finances, and as a result they are
demanding more advanced functionalities on the ATM. The banks that manage to transform their
ATMs from simple cash dispensing machines into powerful omnichannel integrated devices with
advanced functionality are the ones that will thrive in the future.

Sparrow is CR2’s leading UNIX-based ATM and POS switching and transaction management system
with integration capabilities to host, national and international card schemes. With Sparrow, your bank
can offer customers the advanced services they desire on card-based channels. Sparrow’s reliability,
ease of use, rapid time-to-market and wide range of features has made it the solution of choice for a
host of banks worldwide.

ENRICHED INCREASED REVENUE

CUSTOMER
FEATURES
Sparrow provides your customers with 24/7 access
to their finances on the ATM and POS channels. It
has been developed to ensure your infrastructure
is being used to its full potential and that the needs
of your customers are being met. It has been
evolved over many years in close consultation with
CR2 clients to provide a rich set of features and
functions. Features of Sparrow are included but
not limited to:
Card-less transaction support
Multiple currency support
Money voucher support
Dynamic currency conversion
GENERATION
OPPORTUNITIES
Users of Sparrow have been able to transform their
electronic channels from simple transaction processing
into lucrative profit centres. Supporting both on-us and
not-on-us transaction fees, Sparrow provides banks with
a toolkit for revenue generation via:
Dynamic currency conversion
Acquirer & issuer fee modules
Enhanced bill payment capabilities (available
via cardless access)
Money vouchers (P2P payments)
Biller aggregation services
Scheme interchange (acquiring/issuing with all
major card networks - VISA, MasterCard and UPI)

With Sparrow,
Automation Sparrow can further enhance revenue generation
Comprehensive bill payment module across channels by creating segment-specific cross-

your bank can offer

selling opportunities through targeted on-screen ATM
ATM PIN generation capability advertisements. Customers remain informed of the latest
Comprehensive fee modules offers from your bank or partners that are relevant to them.
Remote key loading customers the advanced


Support for web services interfaces
Targeted marketing & customer segmentation
services they desire
Real-time transaction & system monitoring on card-based
channels.
 SPARROW’S SPARROW
FEATURES Sparrow is a well-known and respected industry ATM
switch. Sparrow offers a complete out of the box solution
for financial institutions that wish to issue debit cards and
run networks of ATM and POS terminals. Sparrow is a
robust, reliable and self-contained solution. It allows for
rapid deployment, is easy to operate and is supported by
experienced technical engineers with hundreds of years of
collective experience.
Reduce operational costs
CR2’s clients have realised major cost-savings by migrating
their customers to the self-service channels. With Sparrow
your bank will see a reduction in the amount of customers that
need to physically visit the branch to manage their finances,
thus reducing the load on branch staff and allowing tellers to
take on a more sales-focused role. Sparrow enables your bank
staff to take control of the self-service channels which greatly
increases their productivity while eliminating the need for
intervention by third party vendors. Together with the Sparrow
HUB module, Sparrow allows Banks to centralise their
scheme interchanges on the one server, achieving significant
operational efficiencies and cost savings.

SPARROW PRODUCT SUITE INCLUDES

Optimum security & industry Sparrow (ATM monitoring, control, switch and transaction processing)
compliance BankWorld ATM Client (multi-functional ATM application)

As banks continue to satisfy the increasing demand for
enhanced self-service channels, they must also continue
to ensure the security and authenticity of every transaction.
In addition to EMV acquiring and issuing compliance,
Sparrow is PCI – PA DSS certified. Sparrow supports the
latest PGP and SSL/TLS industry standards to secure any
third party interchange. Utilisation of CR2’s CardWorld
FraudTrap module further ensures the provision of optimum
security for your customers with detection of any fraudulent
card activity in real-time.
Reduced time to market
One of the unique features of Sparrow is its ability to be
easily and quickly installed and configured. Sparrow has
connections to all of the major back-office host vendors
including Misys BankMaster, Temenos T24, Infosys Finacle
or Oracle Flexcube to name a few. This significantly reduces
the project risk level and time to market for your bank can
be greatly reduced as bespoke development projects can
be avoided.
BankWorld ATM Distributor (remote ATM software administrator)
BankWorld ATM Monitor (remote ATM diagnostics)
BankWorld segmentation capabilities
CardWorld Producer (card personalisation)
CardWorld FraudTRAP – customised limits and rules to monitor for fraud
Sparrow POS
Sparrow HUB

Additional Features Processing Control Monitoring Platform Support

Card-less transactions XML-based remote Sparrow Web service interface into IBM AIX
Fully integrated off-the-shelf Ease of use BNA support for cash acceptance
interface module (RSI) systems
HP-UX Itanium
solution Sparrow’s UNIX-based menu driven user interface has been Money Vouchers
VISA issuer chargeback module Real-time transaction support &
monitoring HP-UX PA-RISC
SSL & PGP encryption support
complimented with additional modules to provide enhanced Dynamic Currency Conversion Sparrow SMS express mobile Linux-Red Hat Enterprise
Sparrow offers a complete off-the-shelf ATM and POS solution visual and automated monitoring. Sparrow works with CR2’s Transparent database encryption
Comprehensive bill payments alerts module Sun Solaris SPARC
that can be easily integrated with your bank’s existing IT vendor-independent ATM terminal application - BankWorld (TDE)
infrastructure. With Sparrow your bank can issue debit cards, ATM Client, to provide customers with a state of the art, visually Acquirer and issuer fee modules Cardworld FraudTRAP Sun Solaris Intel
Automation
stand-in processing and transaction routing to national and appealing ATM interface with a rich set of ATM services such Multi-currency
international networks such as VISA, MasterCard and UPI. as mobile top-up, bill payment and cash acceptance. Remote key loading
Sparrow continues to be a result of a consolidation of the key EMV support for VISA/ Significantly re-engineered for
features and the major enhancements and customisations MasterCard MCHIP /UPI scalability and performance
requested by a client-driven road map over the over many Multiple host support
years. As a result, long-term cost savings. Long-term cost- 24/7 operation, 150 TPS sustained,
ATM PIN generation over 2000 ATMs, multiple LMK
savings for your bank can typically be realised as the quantity
support, PCI-ready
of specific enhancements for  future upgrades and versions
should be greatly minimised.
CR2 SOLUTIONS
AT A GLANCE
Our extensive range of robust, cutting
edge solutions give you the potential
to exceed customers’ expectations and
deliver the right product, at the right
place, at the right time.

ATM / Kiosk Banking Omnichannel Banking Internet Banking

BankWorld ATM/Kiosk Manager BankWorld Integrated BankWorld Internet for Retail

BankWorld ATM/Kiosk
BankWorld ATM/Kiosk Distributor
Client
BankWorld ATM/Kiosk Support Tool
BankWorld ATM/Kiosk Studio
BankWorld ATM Custodian
Card Management
CardWorld Acquirer
CardWorld Issuer
CardWorld Producer
CardWorld FraudTrap
BankWorld Pre-Paid Cards
Card On/Off
Self-Service Platform BankWorld Internet for SMEs
BankWorld Smart Sales Campaigning BankWorld Internet
BankWorld Segmentation Responsive Design for Mobile
and smartphone devices
BankWorld Product Factory
BankWorld Instant Cash Transfer
BankWorld Card to Card Transfer
BankWorld P2P
BankWorld Fast Loan
Mobile Banking
BankWorld Mobile SMS
BankWorld Mobile App for
Smartphones and Tablets
BankWorld Mobile USSD
POS Solution
BankWorld POS
CR2 AROUND
THE WORLD
CR2 offices are strategically located across 4 continents and in
different time zones to ensure the best coverage to service customer’s
needs. CR2 successfully serves over 100 banks in developed, developing
and emerging markets across 60 countries and 4 continents.

CR2 Headquarters in Ireland CR2 in Australia CR2 in Singapore

9 Beckett Way Level 2, 369 Newcastle Street Level 40, Ocean Financial Centre
Park West Business Park Northbridge 6003 10 Collyer Quay
Nangor Road Perth 049315 Singapore
Dublin 12 Australia Tel +65 6232-2908
Ireland Tel +61 (0) 8 9328 28 28 Fax +65 6232-2888
Tel +353 1 443 9110 Fax +61 (0) 8 9328 757
Fax +353 1 443 9101
CR2 in the UAE
CR2 in Jordan
CR2 in India Sheikh Zayed Road
Queen Rania Street Millennium Plaza Tower
Chetana Towers, No 19/1, 3rd Floor
Abu Al Haj Complex 10th Floor
Infantry Road Cross
2nd Floor, Office 207/208 PO Box 62187 Dubai
next to Medinova Diagnostic
PO Box 930752 United Arab Emirates
Bangalore 560001
Amman 11193 Jordan Tel + 971 4 331 5414 / +971 4 387 5200
India
Tel +962 6 516 3122 / 3124 Fax + 971 4 331 5480
Tel +91 80 4241 9800
Fax +962 6 516 3123
Fax +91 80 4241 9888

CR2 in Egypt CR2 in South Africa

Smart Village Oxford Gate
Km 28 Cairo Alexandria Desert Hyde Park Lane
Road Cnr William Nicol and Jan Smuts
Building B2401, SMARTZONE Johannesburg, South Africa
Office 80176 October 12577, Egypt Tel +27 (11) 280 6614
Tel +202 35358017 Fax +27 (11) 280 6610
Fax +202 35350549