Switching software is an ATM/POS transaction processing and management system which is used for the following specific purposes:

• Production of Debit Cards which in addition, includes insertion of customer's data into the system and storing the inserted data into a database
• Pre-authorization of on-us debit transactions (transactions made by bank's own cardholders at bank's own ATM/POS) or remote on-us debit transactions (transactions made by bank's own cardholders at ATM/POS of another bank). Pre-authorization includes validation of Card Number, PIN, date of expiry and card status (normal, stolen, lost, blocked, hot etc)
• Routing of on-us and remote on-us transactions to Core Banking System (if debit card) or Credit Card System (if credit card); off-us transactions (transactions made by cardholders of other banks at bank's own ATM/POS) to a switch or credit card system of issuing bank or international payment network (MasterCard/VISA) for its authorization
• Fraud management
• Health monitoring of all the connected ATM and POS terminals
• Settlement and reconciliation.

Dutch-Bangla Bank has installed the IST/Switch from FIS in 2004 which adheres to open system concepts and 3-tier architecture. The transaction processing engine resides on proven and robust UNIX platforms while the user and ATM device interfaces reside on Windows client workstations. System data is stored in Oracle.

The switching system provides support to the hosted ATM/POS terminal, an ISO8583 interface to the Core Banking System and also to other partner bank's core banking system, and connectivity to international networks like MasterCard and Visa. Other interfaces includes a host security module (HSM) for PIN verification, card personalization system for production of card, automated notification system for sending sms to the cardholders and ancillary applications for credit card, Call center etc.