The UEPS offers two (2) separate methodologies for registering the various role players onto the system depending on their individual security access and rights to perform certain tasks. Each entity that participates in the UEPS System and issues UEPS smart cards to a client base is allocated their own separate FI (Financial Institution) code on the back-end system.
The ISSUER in a UEPS environment is typically a financial institution in the form of international banks, local banks, savings and loan companies and community banks. However it is important to note that an ISSUER can also be an entity wishing to target a certain client base depending on their business activities, but will require a recognized financial institution in that country to UNDER-WRITE the monetary value on the UEPS smart cards.
The two methodologies utilized for registration onto the system are as follows:
ONLINE OMS REGISTRATION (NON-BIOMETRIC)
- SYSTEM ADMINISTRATOR – responsible for system management
- RETAIL MERCHANTS – for acquiring of UEPS client card transactions
- 3rd PARTY COMPANIES - for the purpose of client bill payments
- ATM BANK SYSTEM CARDS – for acquiring of UEPS ATM transactions
- CASH DISPENSER SYSTEM CARDS – for acquiring of UEPS transactions
- MILKING AGENT SYSTEM CARDS – for the purpose of offline settlement
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ONLINE BIOMETRIC REGISTRATION USING A UEPS PC SOFTWARE APPLICATION
- SUPERVISOR CARDS
- REGISTRATION OPERATOR CARDS
- SYSTEM OPERATOR CARDS
- BANK TELLER CARDS
- CLIENT CARDS
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The PC Software Application comprises of “KYC” personal data registration, biometric fingerprint enrolment and smart card issuing on site. Opening of a UEPS smart card account typically takes up to 10 minutes to complete registration, biometric enrolment and card issuing in the field. It is performed online to the System Host and can take place within bank branches, town halls, school halls, employer premises etc.
STAGE 1 – REGISTRATION (CLIENT/TELLER/OPERATOR PERSONAL DATA)
During REGISTRATION, the Registration Operator is required to capture client personal data. This can be performed either by capturing all the information or accessing a pre-list file containing the client’s details using some form of identification such as an Identity Number.
STAGE 2 – BIOMETRIC ENROLMENT
Once the data has been successfully captured, the ENROLMENT process commences. All ten (10) fingerprint images are scanned three (3) times each using the attached biometric fingerprint scanner. Sections of the best results of each of the three images per fingerprint are converted into an encrypted UEPS detailed template.
The client has the option to select one (1) of the ten (10) templates as their ALARM FINGER. The ALARM finger is flagged accordingly. All ten (10) templates are stored on the smart card as well as recorded on the System Host. The images are forwarded to a separate FTP Server in the country.
STAGE 3 – SMART CARD ISSUING
Once the personal and biometric data have been successfully captured, the smart card is issued to the client. Verification of one of the finger print templates stored is required to ensure that the correct person is receiving the card.
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The application offers a modification screen to allow clients to update their personal data, biometric identification data, and linked personal and/or traditional bank accounts as and when required.
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The Registration, Enrolment & Smart Card Issuing Application also provides a facility to manage Card Replacements in respect of lost/stolen/damaged smart cards.
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