We create extensive, dedicated systems for payment terminals of the leading brands. Our main partners are VeriFone and Ingenico. We have built highly efficient server systems compatible with our payment terminal software and completed a number of significant IT projects for payment terminals in Europe and Africa.
We create dedicated solutions for payment terminals and mobile devices and ensure success in fulfilling your highest expectations in line with your company’s philosophy and IT environment.
Our offer includes, among others:
We provide complete solutions (products and services) to create, implement and develop systems of payment terminals, mobile devices and cards. Fields in which we operate include:
We offer our skills and experience to create for our clients extensive systems for various applications of payment terminals or mobile equipment in fields such as finance, banking, retailing, services, healthcare, distribution, logistics, FMCG itd. To name just a few:
TMS (Terminal Management System) – proprietary solution for remote management of POS terminals The operator of the system can easily add or remove a terminal, define its parameters, request an update, check the current status of the device (communication, errors, current configuration and parameters). With our API, it is possible to prepare an interface capable of setting parameters and downloading data through external systems (e.g. to present them in Dashboard form). The TMS enables management of any models of terminals of various manufacturers (e.g. Verifone – VX, Evo, Engage, Ingenico – Telium, Telium II, Tetra).
The system enables the following:
The club card system is a solution frequently used by employers as an attractive and modern incentive system. The club card system enables single, multiple or cyclical use of a specific range of services in various sports, catering or cultural facilities.
The terminal network consists of all equipment installed and activated in various clubs, where the individual devices are the interface enabling the recording of the services used, in accordance with the type of the ticket/card. The tickets and/or cards are issued by the owner of the terminal network and handed out to the end customers that use the services by using their tickets and cards at the individual clubs (at the premises of the individual partners).
Key features:
The system facilitates bill settlements (e.g. telephone, gas, electricity or cable TV) via payment terminals in points of sale. Accepting payments is based on identifiers stored in barcodes which are printed on bills.
The software runs on VeriFone and Ingenico payment terminals connected to devices such as cash registers. A terminal, using an appropriate barcode scanner, reads the information from a barcode printed on a bill. In this way, the system identifies a payee, calculates the value of fees and performs authentication. The entire process takes only a few seconds and the payer receives confirmation printed by the terminal. The handling of transaction is reduced to a minimum.
In order to perform a clearing, terminals (either via a dedicated line at the point of retail, or a wireless GSM network) connect to a central clearing system in a data center and send information about fulfilled payments. This settles both the transaction with an agent (charging the agent) as well as a drawer of the bill (transferring funds on their behalf).
It should be emphasized that this solution, depending on a customer’s wish, may work on- or off-line, making the system flexible (urgent transactions may be settled in real-time, while standard ones within a working day), as well as highly resistant to disruption of communication or server instability, since the service may be provided off-line, despite potential problems.
For remote management of terminal network we created Terminal Management System. In case a software update or configuration is necessary, the files are automatically sent to every terminal, which enables a dynamical, remote adjustment of functionality.
We have implemented such solutions into payment terminal networks which communicate with two data centers, a primary and a backup centre, between which there is a mechanisms for switching procedures of data processing and replication. Terminal software fits into the scheme of high availability of services thanks to communication mechanisms implemented independently between several data centers. What is more, after a system failure, operations are moved to a backup data center, and the system, using the memory of the terminals, is able to complete potentially lost data in the backup data center. This is a completely innovative solution, stepping beyond a regular connection with a backup location. In a sense, in addition to regular data backups, terminals act as a spread network of transaction backup, which can be used in case of emergency.
It should also be mentioned that in some chain stores a different version of the system has been applied – a client application installed directly on cash registers. Specialized software, operating directly on a shop register, reads a barcode printed on a bill and sends it to a data center by means of SOAP. There, an on-line interpretation of the barcode and authorization of payments is performed and the complete set of authorization data is returned to the cash register, which results in printing a payment confirmation. This method renders any equipment, except a cash register with a barcode scanner, unnecessary.
Moreover, recently the system has been expanded with an increasingly popular functionality of paying with a mobile phone. An image of a receipt is analyzed and the interpretation of the image results in the payment being authorized and recorded.
The purpose of the system is to organize the distribution and service of consumer credit that is granted to customers in retail outlets. After examining the creditworthiness of a customer, a credit card is issued with not only individually assigned credit limit but also available payoff options. During any transaction a cardholder can determine the payoff method, for instance, the number and type of rates (decreasing or equal). This allows a borrower to conveniently choose the method of repayment within a pre-defined creditworthiness test.
In the case of common credit cards a single loan is incurred (withdrawn, as it were, in installments while making purchases) with one credit limit and one debt balance. Payment deadlines, minimum repayment installments or interest rates are set globally for the loan. In this case, one card is used to take a number of loans since each transaction at a point of sale is a separate loan. While there is obviously one global credit limit (for sake of risk management), still each transaction may be treated individually and settled separately. Therefore, payment timelines, grace periods, etc. can start on the date of the transaction, and not, as usually, from a statically specified day of a month. Also the terms of the loan, including the interest rate, can be fixed separately for each purchase.
The system is based on identification cards with a magnetic stripe or electronic cards, acting as credit cards. Payments are made in points of sale equipped with terminals with an appropriate software. The software supports operations on a consumer credit, such as accepting purchases, determining terms of repayment for each transaction, recording payment installments, activating or blocking cards.
In order to operate in the system, terminals (via a permanent link to which are connected at the point of sale, or wirelessly via GSM cellular network) connect to the central authorization and clearing system in the data center and exchange relevant information. In this method settlement with a cardholder as well merchants is performed.
For remote management of terminal network we created our very own Terminal Management System (TMS). It makes sure appropriate files are automatically sent to terminals whenever an update of software or a new configuration is required. This enables a dynamical, remote adjustment of functionality.
We have implemented such solutions into payment terminal networks which communicate with two data centers, a primary and a backup centre, between which there is a mechanisms for switching procedures of data processing and replication. Terminal software fits into the scheme of high availability of services thanks to communication mechanisms implemented independently between several data centers. What is more, after a system failure, operations are moved to a backup data center, and the system, using the memory of the terminals, is able to complete potentially lost data in the backup data center. This is a completely innovative solution, stepping beyond a regular connection with a backup location. In a sense, in addition to regular data backups, terminals act as a spread network of transaction backup, which can be used in case of emergency.
We have experience implementing a system for selling credits for prepaid services by means of point-of-sale terminals. These include: mobile phone top-ups (e-voucher), prepaid Internet telephony systems (VoIP), prepaid electricity distribution models, prepaid satellite TV services etc. In order to complete the transaction a desired top-up is chosen from a terminal menu followed by charging the purchaser and printing a special coupon with a refill number.
Obviously, the system capabilities do not stop here. It also supports all the business processes related to the distribution of top-up codes: reception of a batch of codes from a manufacturer (e.g. a mobile phone operator), inventory management, distribution of codes to payment terminals. It also helps managing transactions with vendors: controlling sales quota of individual agents, settling fees, collecting revenues, vindication of debt or, in extreme cases, blocking the sale of top-ups.
In order to operate the system, terminals (either via a dedicated line at the point of retail, or a wireless GSM network), connect with a highly efficient, central distribution and settlement system in the data center and exchange relevant information. Thus authorization of refill sale as well as the settlement with vendors takes place.
For remote management of terminal network we created our very own Terminal Management System (TMS). It makes sure appropriate files are automatically sent to terminals whenever an update of software or a new configuration is required. This enables a dynamical, remote adjustment of functionality in accordance with the client’s wishes.
We have implemented such solutions into payment terminal networks which communicate with two data centers, a primary and a backup centre, between which there is a mechanisms for switching procedures of data processing and replication. Terminal software fits into the scheme of high availability of services thanks to communication mechanisms implemented independently between several data centers. What is more, after a system failure, operations are moved to a backup data center, and the system, using the memory of the terminals, is able to complete potentially lost data in the backup data center. This is a completely innovative solution, stepping beyond a regular connection with a backup location. In a sense, in addition to regular data backups, terminals act as a spread network of transaction backup, which can be used in case of emergency.
We have completed projects for implementing fuel card service systems based on payment terminals, supporting both private fleet cards as well cards of international systems, such as UTA, DKV, Eurowag, E100.
Our software fully supports payment approval – reading the card, entering PIN, PIN verification, online payment authorization in fleet card systems (for example, UTA, DKV), printing a receipt and sending transaction confirmation to the fleet card clearing system. To a limited extent the system also enables payments in safe mode (off-line, for example, while disconnected from the authorisation server), in accordance with the relevant procedures defined by the issuing organization.
The system works in two hardware configurations of the payment terminal.
The first option requires a payment terminal to be connected to a sales system at a filling station. A transaction is recorded in the system, and a payment order is sent to the terminal. After the completion of fleet card payment acceptance the terminal informs the system about the acceptance or rejection of the transaction.
Alternatively, the system runs on self-service (“unattended”) payment terminals integrated with systems of fuel dispensers on self-service stations. Drivers do not only pump fuel themselves but also perform payment with fuel cards in self-service payment terminals.
In order to operate in the system, terminals (via a dedicated line to which are connected at the station) connect to a highly efficient, centralized “transaction switch” system to process and exchange data, which in turn enables authorisation and settlement.
For remote management of terminal network we created our very own Terminal Management System (TMS). It makes sure appropriate files are automatically sent to terminals whenever an update of software or a new configuration is required. This enables a dynamical, remote adjustment of functionality.
This system was originally implemented for our client in the United Kingdom. The software runs on terminals installed at points of sale and is used to confirm purchase of goods and subsequent VAT refund, which is possible when the goods are transported outside the European Union by non-EU nationals (tax-free shopping).
During the purchase a terminal prints an appropriate form with specified categories of purchased goods, the applicable VAT rates and amounts. Next, the form is confirmed by the vendor and handed to the customer as a basis to apply for tax refund.
Recorded transactions are transferred by the terminal via GSM network to the central system where they are used as a basis for VAT refund when the customer crosses the border.
For remote management of terminal network we created our very own Terminal Management System (TMS). It makes sure appropriate files are automatically sent to terminals whenever an update of software or a new configuration is required. This enables a dynamical, remote adjustment of functionality.
We have completed a number of terminal applications for accepting cards issued by multinational financial services such as VISA and MasterCard.
It goes without saying that it is difficult to dwell on this “classic and obvious” application for payment terminals which, after all, take their name from this functionality.
After all, such an application must now meet exacting standards of:
In addition, such an application must support a wide range of client-specific functionalities – that of acquirers or a unified network of merchants.
Although it is difficult to describe in detail all the aspects that make each application implementation a few month’s project, it is worth to mention one very unique and innovative implementation we have performed. Namely, a multiacquiring payment application which allows a merchant to work simultaneously with several acquirers.
In this solution, a decision based on a variety of parameters is made by a terminal (the amount of the transaction, the brand and the type of card used, the bank that issued the card, communication technology, time of day, the history of transactions made so far on the terminal) through which settlement agent the transaction is to be settled. The terminal sends the transaction in a manner consistent with the requirements of the settlement agent (e.g. in accordance with the communication protocol).
It optimizes transaction costs of the merchant against different commission rates of different acquirers for different categories of transactions. Clearly, the merchant is presented with a number of configuration and analysis tools, allowing for the optimal choice of parameters by which the decision to which acquirer a transaction is sent.
We have developed Veriss platform to transfer the idea of a ‘thin client’ on payment terminals. Still, this not refer to ‘amount of data processing being performed’, or the complexity of a terminal software or performed functions. It simply implies that a terminal’s performance is controlled by a server to which it is safely connected. In other words, application’s business logic is programmed on a server, while a terminal holds mechanisms and software modules (sometimes, it must be emphasized, very complicated), which allow it to perform commands sent from the server.
It is an untraditional approach to programming payment terminals, which decreases their autonomy. However, this approach works well in many applications. The first application developed on Veriss supports loyalty program of one of our clients in Africa.
Veriss platform is capable of, among other things:
One of the uses of Anywhere is UUI (Universal User Interface) platform. It is a complete programming environment for creating a complete user interface with XML and defining the core application logic.
UUI platform is founded on a number of principles:
This is why UUI platform makes it possible to:
Since our company produces software for different devices, it is important for us to ensure portability of application code between physical devices.
Due to the differences in architecture between terminals such as VeriFone and Ingenico Telium2 Evolution, ensuring portability of code is extremely difficult.
Throughout the years we have constructed Hardware Abstraction Layer (HAL) libraries, which to a large extent hide from a programmer differences in architectures. To a large extent, but not completely.
The answer to this is our software framework Anywhere, a comprehensive and complete solution, designed and manufactured by our company. The one of a kind virtualization software framework, delivering a 100% portability of application code, both in terms of source code and object code.
Anywhere makes it possible to run the same application or a portion thereof, both on the VeriFone environment and, for instance, Ingenico environment.
The benefits of this solution are quite obvious:
Our company main field of expertise is creating client solutions that run on payment terminals, programmable pin-pads and mobile devices.
Nevertheless, it is almost always necessary to implement an appropriate server software – terminal management software (known as Terminal Management System) and, naturally, software for business-dedicated processing of data received from remote devices.
As a producer of highly efficient and scalable mass capacity systems for servers we provide systems which process thousands transactions per second and deliver software for remote devices which number can potentially be so large that it will necessitate reaching a very high performance on the server side.
What’s more, thanks to the equity link, the two companies are able to fulfill orders in complete unison. It means that a project is performed by a single, uniformly managed team consisting of specialists from both companies. Such a team can design an efficient and stable solution, fulfilling our customer’s every need – from a remote device, through business logic and database servers, to integration with client’s existing infrastructure.
In our understanding a software framework is a kind of engine which in a right configuration facilitates solving problems arising when developing applications for client devices. This type of engine works completely independently, as a standalone process. This process clearly defines programming interface that should be applied in order to use it.
This ensures that our framework allows for a significantly faster process of building applications.
It should be emphasized that our software frameworks are not (only) a collection of libraries and functions which are these days in possession of every experienced company. We also own such libraries, but thanks to application of software frameworks, programming can rise to a new level.
Our company offers custom-developed solutions, operating on the following client devices:
It should be noted that our software development tools allow quick completion of stable implementations on various brands of devices which may also operate on different operating systems.
Our solutions can work as a common terminal – “thin client” with business logic programmed on the server side, or as a “fat client” where business logic of processing procedure is performed by a terminal / mobile device.
