SAP支付引擎：优化银行支付操作

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"SAP-Payment-Engine.pdf 是一份关于 SAP 金融领域中支付引擎的详细解决方案，主要关注如何通过支付引擎优化银行的支付操作，提高运营效率并简化跨业务线的流程。 SAP Payment Engine 是 SAP 专门为银行和其他金融机构设计的一个组件，用于处理日常的支付结算任务。它整合了各种支付方式，包括信用卡、借记卡、电子转账等，旨在自动化和标准化支付处理，减少手动干预，降低错误率，并增强合规性。在 SAP for Banking 解决方案中，支付引擎是关键组成部分，它帮助银行实现以下功能： 1. **支付处理自动化**：自动处理批量和单笔支付，支持多种支付类型和标准，如SEPA（单一欧洲支付区）。 2. **风险管理**：内置的规则引擎可以实时检查交易，防止欺诈，确保符合反洗钱和合规要求。 3. **集成能力**：与银行的核心银行系统、前端客户界面以及第三方支付网络无缝对接，实现数据同步和交换。 4. **流程优化**：通过工作流管理，能够根据业务需求定制和优化支付流程，提高处理速度。 5. **报告和分析**：提供丰富的报表和数据分析工具，帮助管理层监控支付性能，进行决策支持。 6. **多币种和多语言支持**：适应全球化业务，支持不同国家和地区的货币交易及语言环境。 7. **安全性和合规性**：遵循行业标准，如ISO20022，确保数据安全，满足监管要求。此外，SAP Payment Engine 还与其他知名软件供应商的产品集成，如 Microsoft 的 Windows、Excel 和 Outlook，IBM 的 DB2 数据库，以及 Adobe 的 PDF 技术，这些集成提供了更广泛的兼容性和用户友好性。尽管 SAP 提供的文档可能包含第三方的商标和产品，但请注意，这并不意味着 SAP 对这些产品负责，而是表明 SAP 能够与这些技术无缝协作，为客户提供全面的解决方案。 SAP Payment Engine 是一个强大的工具，旨在帮助银行提升支付操作的效率，降低成本，增强客户满意度，并通过现代化的支付处理技术适应不断变化的金融市场环境。通过利用 SAP 的这一功能，金融机构可以更好地应对支付领域的挑战，保持竞争力。"

INTRODUCING SAP® PAYMENT ENGINE

The SAP® Payment Engine application offers a single payment

operations platform. This platform helps streamline all payment

processes and standardizes interfaces to surrounding applications,

supporting one central payment hub.

Major Features

To effect the kind of changes banks are looking for, the SAP

Payment Engine application has been designed as a centralized

platform that is highly scalable and flexible, enables real-time

processing and monitoring, and – most significantly – is

integrated with the transactional banking software available in

the SAP for Banking offering.

Centralized Payment Platform

Because SAP Payment Engine can be the central hub of all payment

activities, it enables banks to create a common, cross-enterprise

payment infrastructure for all lines of payment and all business

models. Scalable and flexible, it helps banks achieve strong cost

savings, improved quality of service, and operational efficiency.

It also eases compliance obligations and risk management.

Because the payment application is multibank and multichannel

enabled, it supports insourcing business models that allow banks

and service providers to offer payment processing to various

in-house entities as well as offer white-labeled services to other

banks, bringing additional volume to the hub. In effect, SAP

Payment Engine provides a shared service center or payment

factory.

Figure 2: SAP® Payment Engine Application – Focus on Lines of Product

The main lines of product supported by SAP Payment Engine are

the domestic payments and SEPA payments described here and

shown in Figure 2:

• Low-value non-time-critical mass STP retail payments

These include retail domestic payments cleared through a

central domestic clearinghouse and SEPA retail payments

within the Eurozone that adhere to SEPA STP criteria. Such

payments are cleared through a pan-European central

clearinghouse such as EBA STEP2 or through correspondent

banks. In future releases, it is planned that SAP Payment Engine

will support cross-border retail payments that do not

necessarily adhere to SWIFT STP criteria.

• High-value time-critical wholesale payments

These include wholesale domestic payments that are cleared

through a domestic RTGS and SEPA wholesale payments

within the Eurozone that adhere to SWIFT STP criteria. These

payments are cleared through TARGET or a pan-European

central clearinghouse such as EBA STEP1 or STEP2. In future

releases, it is planned that the application will support cross-

border wholesale payments that do not necessarily adhere

to SWIFT STP criteria and are offered with additional value-

added services.

Lines of Product

Payment Engine Focus

Reengineer

Insource

Send operations

offshore

Outsource

Domestic

Retail Wholesale

SEPA

Retail Wholesale

Cross-Border

Retail Wholesale

Strategic Options

(Not Relevant)

SAP Payment Engine can be helpful for banks that are considering

moving parts of their payment operations offshore, depending

on which parts of the value chain are being transferred. The

application has no relevance for banks that are considering

outsourcing their payment operations – unless the insourcer

uses it.

Highly Scalable Technology

The application is the central component connecting all external

clearing channels and internal core banking applications. It has

been designed specifically to process the volumes of retail pay-

ments typical of tier 1 banks and large IT service centers. Because

it can process large transaction volumes with high STP rates,

it helps achieve economies of scale, lowering the cost of single trans-

actions. Its scalability ensures that banks with lower volumes can

also achieve a low TCO.

Flexibility

SAP Payment Engine, with its open software architecture, enables

workflow control and allows customer- and country-specific

enhancements without requiring any change to its streamlined

core processes. The application lets banks handle various payment

types, formats, and channels across lines of product and lines of

business. It also lets them consolidate various existing legacy or

third-party payment applications. And its flexible product confi g-

uration allows banks to define and implement new payment

products rapidly, with little or no additional programming.

Real-Time Processing and Reporting

The application offers both batch and real-time processing and

reporting on a 24x7 basis, allowing banks to offer value-added

real-time services to customers with no interruption from end-

of-day processes. This real-time functionality lets banks offer

valuable real-time information to their clients (such as confir-

mations and exceptions). And the application’s support of real-

time bookkeeping enables bank clients to receive real-time

information on all postings.

SAP Payment Engine offers end-to-end management of all

payment transactions by enabling a comprehensive view of

the real-time status of all objects and process steps.

Integration with SAP for Banking

Leveraging its leading position in the business application market,

SAP has moved aggressively into the banking space with its SAP

for Banking solution portfolio. This comprehensive portfolio

includes transactional, customer-centric, and analytical banking

applications as well as non-bank-specific functions from the

mySAP™ ERP application in areas such as financials, human

resources, procurement, and corporate services. (More details

on SAP for Banking are available on page 53.)

The integrated applications in SAP for Banking help manage

the requirements of both front- and back-office banking

environments – requirements ranging from high-volume

transactional banking processes and customer management to

financial accounting, cost controlling and profitability, and risk

analysis. They also help improve the speed and quality of internal

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SAP支付引擎：优化银行支付操作

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