OUR Technology
Fintech Unified Solution. Simply. Varius. Innovation.
We have 15 years of successful experience in IT, business, finance, banking and payments technologies. We apply only the best и checked technologies. We deliver best-in-class mobile wallet, processing and customer loyalty management solutions to merchants, banks, investment companies, telcos, etc. across Europe. Quality of our World-class solutions for online and mobile payment industryis confirmed by existing businessess and many users.
Our feature-rich platforms
include the following modules
Mobile Payment Module
(MPM)
Supports NFC transactions with digital issue and interacts with WMS in digital card provisioning; can be integrated with any mobile app running on Android OS.
Wallet Management System
(WMS)
Interacts with the service provider back-end system, runs database of users, their services and devices, allows different reports through Web interface, is responsible for user authentication. Wallet provider, who is responsible for operating the WMS, can be a service provider or 3rd party market participant.
Universal Cloud Payment System
(UCPS)
Access key generation and lifecycle management: issuing, provisioning, replacing etc. It interacts with WMS, CTM and service-provider back-end system. Assures data is secure in case of an attack on WMS.
Cloud Transaction Module
(CTM)
Responsible for authorization of a mobile transaction. It can be a part of UCPS or act as a stand-alone module.
Web interface
- SMS operations
- Mobile POS (Android, iOS)
- Web POS
- Mobile App (Android, iOS)
- POS & Cards (NFC supported)
- API connectivity
User features
- Registration and profile management
- Mobile wallet mobile wallet, supporting all financial, m-commerce and payment needs of the consumer
- Payments (online, mobile, proximity)
- Cashincashout payments
- Loan repayment
- Invoice payments
- Money transfers (including wallet-to-wallet and card-to-card)
- Accumulating and spending rewards (points, bonuses, real money in a form of cashback) for purchases and other activities (reviews, recommendations)
- Multiple currencies, multiple languages support
Business features
- User data management
- Customer segmentation
- Business profile management
- Accepting payments offline and online with POS, tablets, smartphones, etc.
- Creating special offers and promotions
- Targeted advertising
- Transaction analytics
- And many others
Our platform
- Allows designing and deploying any Android and iOS based applications quickly
- Is universal - supports online and proximity transactions, any International Payment System (Visa International, Master Card, American Express, Dinners Club), any cards (loyalty cards, coupons, tickets, ID..)
- Is scalable - allows exapnding the system architecture to handle more users, more transactions and more data to meet the future market needs
Development tools
- Project Management Methodology: PMI, Agile, Waterfall
- Programming Languages/markups: C#, Java, C++, Delphi, JavaScript, PHP, HTML, CSS
- Databases: MS SQL Server, Oracle, MySQL, Firebird, PostgreSQL, Redis, MongoDB, CouchBase
- Frameworks/CMS: ServiceStack, Cordova, Backbone, SugarCRM, YII, MODX, Joomla, JasperServer
- Automation: GIT / TFS, Redmine, TeamCity, Selenium
- Hypervisor: Azure, Amazon, VMWare ESX/ESXi, XEN, Microsoft Hyper-V
Web Passport
WEB-passport helps user protect their personal and payment data by keeping their passwords safe, but easy for them to access on a variety of mobile devices.
- All profiles in a single mobile device - no need to remember multiple passwords
- One-click authorization with QR code and one-time password
- No need to remember cardholder data
- Cardholder data is not transferred to merchants
- User account is linked to mobile phone IMEI
- One-click payments
WEB-passport may contain the following information:
- Any socio-demographic data which may be used for the purposes of marketing analytics
- Any other information if necessary
- Exact address to deliver goods, gifts or prizes
- ID data for the cases when complete customer identification is required
NFC
Platform
- Made to replace plastic cards with their digital analogues
- In line with the EMVCotokenization specifications
- Based on the HSE (Host Card Emulation) technology (supported by Android OS)
- NFC Card emulation mode enables NFC-enabled devices such as smartphones to act like smart cards, allowing users to perform transactions such as payment or ticketing
- NFC can be well adapted for all kinds of situations ranging from bank cards to transit passes, movie passes, reward systems and even keys
QR code
Technology
Every mobile wallet has its unique QR-code available for reading if necessary; and is equipped with QR-codes reader allowing to read any code in a few seconds.
QR-codes reading allows the wallet operator (manufacturer, restaurant, salon, etc.)
- To provide quick and easy one-click payments with qr code scanning (qr code can be placed on package, in catalogue, on web-page, it can also be displayed on tv screen)
- To reward the customers with any real or conventional unit (money, bonuses, points, liters, awards, etc.)
Security
Operatorʼs, merchantsʼ and customersʼ accounts as well as data transfer gateways are protected with the latest security technology to reduce the risk of phishing attacks.
Storing personal data and payment information in WEB password provides a safer environment than a physical wallet. This technology allows the customer to load multiple cards and choose which one they wish to use for each transaction. Not only does this save time, but it also reduces the chances of losing a payment card that comes with carrying multiple cards around.
When complete identification with national ID is required, thereʼs no need to carry ID card or passport or to enter sensitive data into website forms. When shopping, thereʼs no need to share card details with merchants. Data security is our main priority.