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Solutions |
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Payment
Solutions
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Terminal
Management System
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Features
 Supports any Ingenico terminals.
Provides a full suite of facilities to control
POS terminals and their software
Graphical user interfaces are provided to
allow the user to define, configure and update POS
parameters and tasks.
Customized profiles to maximize the operational
speed and reduce errors
Database Replication concept to minimize
the user errors.
Approval facility to each and every record
before allowing data to reach final database.
Instant remote program downloading and updating
facility through Rs232,TCP/IP, PSTN, GPRS, Wireless
network.
Maintain Access rights and user privileges.
Web Based Application.
Multiplatform deployment.
Diagnostics and statistics reporting
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Benefits
User Friendly Interface
Enhancement Flexibility
Scalable
Utilize cost effective strategy by minimizing
onsite intervention
Supports any protocol because of the enhanced
Network communication controller from ingenico,thus
make the life easier for any implementation.
Modular design to suit the exact business
requirements and thus helping to get the application
for the cost you desire.
Minimize maintenance cost
Less down time
Increased Productivity and Profitability.
Simplified Deployment and Management Process
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EFT
POS Application |
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Features
Process all types of payment cards
Dynamic Menu based Screen
EMV support (ADVT & TIP Certified)
Multiple Host Routing
Multilingual Support
Dynamic Currency conversion
Fast deployment of private and gift cards
and phone top-up
Transaction queue busting
Secure consultation of transactions and powerful
reporting mechanisms.
Compatible to ISO 8583, APACS 30, APACS 40,
APACS 50, VISA MDC, SG TMS protocol and SPAN2 protocol.
Real-time credit card payment authorization
in a secure payment environment.
Dynamic on the click report generation by
date, operator, batch, outstanding balances, daily
deposit report.
Supports communication mode Dial Up, TCP/IP,
GSM/GPRS, Bluetooth and FTP.
Robust and Rapid Authentication and authorization
guaranteed using Key management system (Master/Session
Key, Racal Transaction Key Scheme and Derived Unique
Key).
Interconnect with any host including authorization
centre ,banks and other payment service providers.
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Benefits
Flexible, scalable and Reliable.
Instant account to account money transfer
for retailer and customer.
Increased Accuracy and Efficiency.
Reduced consumable cost because of single
receipt combined for EFTPOS and POS.
Allows speed and flexibility in responding
to customer and market requirements.
Interfaced EFT with POS applications minimizes
costly keying errors and increase customer throughput.
Simple and easy installation.
Deliver significantly Lower EFT processing
cost.
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Integrated
Solution |
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Features
Unique integration
tool that enables end user to simplify the integration
of software and hardware components with EFTPOS.
Capable to manage external peripheral devices
such as displays, printers and keyboards that
may be required
Highly customizable solution with flexible
implementation capability with any deployed solutions
catering to all walks of business Retail, Banking,
Petroleum, manufacturing, insurance, hospitality,
health industry..Etc.
Our solution integrates devices closely
coupled to the point of sale or devices that reside
on an IP-based LAN or wireless infrastructure.
Automatic routing of transaction from merchant
POS to authorization server.
Secure Key Management Scheme(APACS40 RTKS)
is used by Pin pad.
Pin Pad do the Request and Response Block
MAC Calculation and verification.
Carries out Pin block Generation.
ECR initiate the payment authorization
request and send the response back to the pin
pad and generate receipt.
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Benefits
Easiest and secure integration with POS Software
and Hardware Components.
Least complexity
Less overhead cost since integration happens
without modifying existing POS software / hardware.
Provide simple and easy to use interface.
More counter space by avoiding additional
transaction processing equipment and dedicated telecommunication.
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Value
Added Solutions |
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Mobile
E-Top up Solution |
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Features
Provides
e-voucher by providing PIN number of 12 digits
or e-topup where recharge directly send to phone
and provides SMS notification to customer.
Supports multi environment Processing.
Flexible and easy configuration.
Centralized Processing Service and very
integrated CRM solution to manage each merchant
and terminals.
Advanced reporting options and in-depth
logs that provide accurate analyses of every aspect
of a prepaid operation
Unique multifunction solution to manage
e-ticketing, fund transfer, coupons, discount
and prepaid cards.
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Benefits
Eliminates
Costly Scratch Cards.
Reduced Distribution Cost.
Add airtime to mobile phones anywhere &
anytime.
Elimination of costly scratch cards.
Reduction of the distribution cost.
Act as intermediary between service provider
and sales channel.
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E-Wallet
Solution |
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Our new generation of e-wallet solutions supports
all common set of protocols for putting information
into on-line forms and POS terminals agreed upon
by all major players in the industry.
It works with any Web-security software or
POS terminals and enables our e-wallets to automatically
feed customer information into the payment forms
of participating merchants
Our e-wallet is stored on servers controlled
by your bank or other service providers, whose software
manages the exchange of information with the merchants'
sites
Can stand alone or integrated with existing
financial products and network.
Enable transfer of money to wallet holders,
Receive payments online, issue invoices and management
of accounts in high secure environment.
Supports multiple global currencies, various
levels of tiered commission management structures
and distributor functionality, client management
and access portals.
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Loyalty
Application |
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Enables retailers and specialty providers to manage
in-house, end-to-end gift card and stored-value
programs.
Deliver a range of tailor-made, profit-building
solutions with minimal effort via an intuitive POS
interface.
Can manage a variety of gift card types and
stored value offerings that can be used for promotions,
rebates, refunds and more.
Powerful and sophisticated intelligence gathering
and reporting capabilities.
A central hub where business activity and
customer activity data is consolidated and analyzed.
Personalization module to transform a blank
smart card to a customer specific information and
maintenance of personalized database.
Merchant module to each merchant to award
loyalty points to customers and capture vital information.
Simple and Easy implementation.
Enhanced Shopping experience to customers.
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E-Insurance
solution |
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Processes insurance electronically (Policy details,
claims, submission and Audit)
Utilize pin based or biometric based security
mechanism to avoid unlawful use of stolen or lost
cards.
Prompt and secure verification of entit-lement
(configurable, rule-based) via a central, high-availability
system.
The card is loaded with the Insurance policy
details, basic medical information of the bearer
and the names of authorized Health care service
providers and agencies participating in promotional
programs.
When transaction takes place, these records
are updated and transmitted to the Insurance service
provider over a network connection.
Every time the insurance needs to be renewed,
the only information required to be updated is the
expiry date.
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Health
Card Solution |
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Will contain information such as demographic information,
brief medical history, blood type, Allergies and
Health insurance policy details.
Will act as e-purse to perform hospital payments
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Fuel
Management System |
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An application that allows petrol distribution companies
to issue cards to their customers to be used by
them within the petrol distribution network of stations. |
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EMV
Solutions |
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EMV
Card Personalization solution |
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Features
Import existing files of employees and manage
them in a professional database.
Capture portrait photos or signatures and
optimize them.
Design card layouts as per EMV card specification
and standards.
The software contains an advanced barcode
library, magnetic stripe encoding and chip encoding,
and as an option smart card contact/ contact less
encoding
Powerful search facility
High quality photo and signature capture
system Card Preview.
A user-friendly surface and a number of optional
special functions.
Supports Batch Printing and Encoding.
Supports personalization of contactless cards.
High security ensured by the host security
module .
Online operations done for each card to be
personalized through CCM server to enhance key management
operation.
Smart scope Explorer to check the electrical
personalization validity,chip content and consistency
magnetic stripe data and chip.
Smart scope valuator to Simulate to assess
card behaviour against the expected response.
Solution comply with EMV security standards.
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Central
Issuance Solution |
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Features
A Complete solution for personalization and
post-issuance management of single- and multi-application
smart cards.
Information gathered from a number of locations
are collected at a central point, from which all
cards are personalized and prepared
for distribution to the cardholders.
Supports multiple database and allows Data
Retrieval, Image capture, Card Issuance and Reporting.
Comply with EMV security standard
Import data from card management system and
give the necessary cryptography using safenet HSM.
Smart process to manage cryptographic device
and key management tool.
Supports issuance of Java TM, Multos and
native card.
Supports customizable import process.
Direct interaction with CIM machines.
Ready to use production file generation.
High security ensured through encryption
using key management schemes( Master/Session, DUKPT
and RTKS ) .
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Benefit
Prevention of theft and fraud there by safeguarding
the bank as well as the user.
In-house personalization allows banks to
take full control of the issuance.
Helps bank to focus on their business rather
than focusing on personalization centers.
Offers the banks with specific EMV profiles
and advanced EMV cards customization options.
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Branch
Issuance |
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Features
Enables smart card issuance instantly from
bank branches following a successful registration
or instant replacement of lost
or stolen card in less than a minute
Any secure PIN PAD can be used to allow card
holder to use his or her pin or alternatively an
IVR can be used.
Our instant issuance system offer full compliance
with EMV standards which sets the security standards
required for banks, credit unions
and other financial institutions to instantly issue
EMV Cards.
High security ensured through encryption
using key management schemes
( Master/Session, DUKPT and RTKS )
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Benefits
No duplication and time involved as in central
issuance system
Reduction of distribution cost and time involved
for sending the personalized mail as in case of
central issuance system.
Avoidance of unnecessary disputes caused
because of unreliable delivery through external
agents.
Secure since EMV data remains in the central
server and is downloaded only on request by the
bank branches. only non personalized cards are send
from central head office to the bank
Enhanced customer service because of on time
delivery and allowing customer to choose his preferred
pin.
Faster activation.
Customer mind inducement by providing new
instant card.
Immediate spending and hassle free cashless
shopping by the customer.
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New
Technologies |
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Contactless
Solution |
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Features
and Benefits
A proven solution compared to ordinary card
with the use of high level enhanced microchip authorization
processing and best in class RF technology.
Enable users to pay for shopping by simply
holding the card up to a terminal without taking
it out of their wallet
Benefit the customers with less cash handling
and Reduced Errors
Allows merchant to make customized loyalty
programs.
Multiple Application in a single card
quick, secure and convenient
Provide scalable and flexible software platform
for advanced promotional and loyalty applications.
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NFC
Solution |
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Features
and Benefits
Provide short range wireless connectivity
across a distance of 4 to 10 centimeters between
a merchant's NFC reader and customer's NFC capable
phone for the purpose of contactless mobile payment
transaction.
Multiple credit, Debit and prepaid card account
details can be securely stored in an electronic
wallet in the mobile phone which will allow users
to select a payment option using a menu based User
interface.
Allows access of digital content embedded
in a smart poster or billboard.
Utilize ViVOnfc Issuer Server (Issuer Server),
allowing a card issuer to provision a soft card
to a e-wallet application running on an NFC-enabled
phone.
ViVOnfc Control Server (Control Server) to
provide the Over-the-Air control functions for the
NFC contactless transaction.
A e-Wallet Application to manage multiple
soft cards stored on the mobile device, such as
credit, debit, prepaid and loyalty cards, coupons
or tickets.
Based on ISO 14443 A/B standard.
No major change to the hardware is required.
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Mission
