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Europay International

Europay Customizes Pixel!ENGINE For SuperCom Banking Network

As the leading financial services provider in Europe, Europay International provides personal payment services to the European banking community. Headquartered in Waterloo, Belgium, Europay International also offers payment products to banks worldwide through its alliance with MasterCard International. One of the premier services that the company presents to its member banks is SuperCom -- an electronic imaging system and network which transmits credit card transaction-related documents electronically between banks.

SuperCom -- comprised of Hewlett-Packard (HP) UNIX workstations, HP ScanJet scanners and Fujitsu 3093 scanners -- automates the process of resolving credit card transaction inquiries. Chargeback documentation and receipts are scanned and transmitted through the SuperCom network. Member banks can use SuperCom workstations in their offices or utilize "hub sites", where Europay receives and transmits images on their behalf.

Leon Dhaene, Senior Manager of Business Services at Europay International, says that the company created the SuperCom system to answer member banks' needs for "rationalizing the process of dealing with paper documents." He continues: "We saw that we could provide services that would contribute to increasing the profitability of our member banks by automating that process."

According to Dhaene, SuperCom helps banks to save significant amounts of both time and money by eliminating postage and reducing processing costs. In addition, SuperCom can reproduce and send high-resolution images within 24 hours. This increased speed and reliability means that settlements are reached more quickly than with the old procedures, leading to a greater degree of customer satisfaction.

When Europay created SuperCom, they combined several applications, most of which focused on database management. For the scanning engine -- a vital piece of the imaging system -- the developers required smooth integration with the other applications. Dhaene notes that another key element was compatibility with the operating system and scanners being used. Additionally, the software had to support SuperCom's Graphical User Interface (GUI), which features customized language familiar to users in the banking industry. After comparing several applications, Europay chose Mentalix's Pixel!ENGINE because it met all of these requirements. Dhaene adds that another incentive was his discovery that the Pixel!FX imaging suite is the "de facto standard in the marketplace."

"The performance had to be good," Dhaene continues. "[SuperCom] is a customized solution, with all the applications supporting the GUI. A powerful scanning engine makes this possible."

Pixel!ENGINE provides a TCL-based scripting interface which enables batch or command-line interactive scanning, file conversion, and Optical Character Recognition functionality. Systems integrators can use Pixel!ENGINE as an Application Programming Interface (API) to integrate with third-party products or customized programs. Pixel!ENGINE allows administrators to choose the imaging features needed. As a result, end-users can execute frequently-used imaging commands simply by clicking an icon.

When Europay's developers fine-tuned Pixel!ENGINE for SuperCom, their chief concerns were legibility and speed. The development team tailored Pixel!ENGINE to specifically fulfill those needs. Dhaene also notes that unlike many applications, Pixel!ENGINE presented none of the difficulties that systems integrators often encounter when attempting to merge American-made software with a European-based system.

Upon SuperCom's release in 1996, it was installed in four of Europay's member banks. Shortly thereafter SuperCom's popularity increased rapidly; today, over 46 systems are in use in 15 countries, and about 200 smaller banks employ the hub site in Waterloo.

Many companies utilize Mentalix's Pixel!FX to meet their need for an off-the-shelf imaging solution. However, as Europay International demonstrates, businesses can also benefit from the customizable, flexible options offered in applications such as Pixel!ENGINE.


See a partial list of Mentalix customers.