girmiti-software

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Girmiti Software-Terminal Management System | TMS Platform Developer

The POS and mobile terminal manufactures do provide their own Terminal Management Systems, but these can be used to only manage terminals manufactured and supported by them. Keeping this in mind, there would then be multiple Terminal Management Systems adding to the complexity to manage operationally.

Terminal manufacturers also provide a central Download Management System (DMS) to the Terminal owner to remotely download the App, AM, Data files and System/Application parameter values. Such a DMS may also support remote diagnostic features, depending on the terminal’s capabilities. The protocol and message formats for downloading the various files, parameters between the EDC Terminal and the DMS are mostly proprietary to the Terminal manufacturer. In most of the cases, the terminal manufacturer optimizes these protocols, message formats for performance, and some manufacturers consider certain features of the DMS to add to the unique selling proposition of their terminals as well.

Our team has expertise to develop TMS platform supports traditional POS and mobile POS, where our team brings the knowledge to build systems to support different types of traditional devices to down load application and in similar way for mPOS devices using android platforms. An integrated single point of entry system would oversee the Merchant, Terminal Management and interface with the manufacturer’s specific Terminal Management Systems. The solution retrieves data from the Merchant Management database to communicate with download management systems. It eliminates the need for multiple entries of merchant data into download systems for different device and mobile manufactures. Such Terminal Management Systems can synchronize data in the Merchant Management System, download systems, improves data accuracy, and reduces help desk support costs with its single, user-friendly interface.

It reduces the need to train and retrain customer service agents on the different download systems. A single client is all that is required on customer service agent terminals.

Our team can design, develop, implement and deploy the above features based on the scope to interface with existing systems.

Key features that Girmiti team has helped build for such a solution are:

·         Transaction

·         Configuration, Reports

·         Administration

·         Flexibility- Variable and Fixed Parameters

·         Provide Application Templates for easy setup of application parameters

·         Terminal ID generation logic

·         Wizard based, graphical and intuitive

·         User-friendly interface for Anywhere, anytime access to terminal information and administration

·         Handle multiple types of Terminals

 ·         Unique identification of each EDC terminal across the organization

·         Provide views of all parameters for any merchant without interfacing with each terminal download system separately

·         Sets up merchant terminals in various download systems automatically

·         Synchronize download system with merchant database automatically

·         Manage EDC parameters eliminating multiple software and system interfaces

·         Provide file import utility to set up new EDC application for a Processor quickly

 Key Benefits of systems that we have helped build-

·         Availability of real-time information on the assets of the company from anywhere anytime

·         Real time Inventory Management enables better distribution of assets

·         Cost-effective & scalable technologies

·         Reduce Help Desk & support costs

·         No duplication of data entry – Merchant and Parameter data

·         Single source reporting for multiple terminal manufacturers

·         Seamlessly support multiple terminal types

·         Increase data integrity and accuracy

·         Single, easy to use interface with wizards and graphic

 Interface with:

Ticket Management System, payment gateway, merchant boarding Synchronizing merchant details, synchronizing merchant user details, Synchronizing existing parameters

Some of the Diagnostic reports are:

Battery connected/ Not connected, Location wise, RAM memory available, RAM memory low/ full, USB connected/ not connected, NFC status (enabled/ disabled), Taps, Charging/ internet connection status SIM Card, scheduled download, Schedule based on the serial numbers, Mass schedule, Download history, Version wise apps, Data wise and date range search Alerts for failed downloads, last heartbeat, Merchant devices reports, Location wise reports Download, Version wise reports, Devices wise apps and reports, and Comparison reports.

For more info - https://www.girmiti.com/tms.html

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Girmiti Software- NEXO Certification Solutions

Girmiti is a registered member with Nexo, a fast-emerging global interoperability payment acceptance standard.

Girmiti has partnered with NEXO to ensure every customer who wants to be Nexo compliant meets the highest quality, performance, standards, and a cost-effective solution

Nexo interoperability payment acceptance system comprises primarily Nexo Retail, Nexo FAST, Nexo Acquirer, and nexo TMS. We are actively involved in developing the standards, building the platforms based on these standards.

Girmiti has built an accredited Nexo Automated test tool that aids the customer's payment solutions in meeting the Nexo standards and specifications.

We develop test plans, and comprehensive test cases and execute complete suite to ensure the compliance of acceptance payment solutions per defined Nexo standards and to go to market in the least time.

With this expertise, Girmiti is in a position to help our customers in certifying their terminals/devices and payment solutions in order to be compliant with the Nexo standards and specifications.

To know more,

Visit: https://girmiti.com/nexo_certification.html

Mail Us: info@girmiti.com

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Girmiti Software- AFCS Solutions, Automated Fare Collection System

The transit industry is upgrading the payment infrastructure by embracing the latest technologies and deploying digital payments. AFCS, an integrated ticketing system, automates the ticketing at public transport networks like buses, metros, rails, etc., AFCS allows fast payment transactions and effective fare collection without much human intervention. It also provides merchants with a platform for better management.

AFCS involves multiple components that include Fare media, ticket vending machine, Fare gate, etc. We provide solutions to backend servers using which, one can configure, PTOs, Routes, Stops, Stations, Fare, Tickets, Passes, Devices, and Vehicles.

With proven payment experience, we help our clients in deploying AFC systems, where we develop software solutions for all the components and integrate them into one AFC system. Our solutions can support various fare media such as tokens, cards, and various technologies including NFC.

With AFC applications, commuters can purchase their tickets and recharge their tickets online. It accepts various payment methods like credit/debit cards, net baking, etc.,

Our solutions for AFC systems will allow no discrepancy that helps in accurate fare collection and prevents fraudulent actions.

 To know more,

Visit: https://www.girmiti.com/transit_AFCS.html

Mail Us: info@girmiti.com

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Girmiti Software- Digital Card Issuance Platform | Modern Card Issuing

We help our customers in developing, deploying, automating and implementing the core platform for their partners along with customization and integration to third parties to help certify with payment networks and closed loop. The new trend of enhancing the existing issuance platform in the mode of SE TSM and Host Card Emulation brings us to the top of our services. Several global implementations have been taken care of and integrations are going on and in PNOs certifications. This gives us exposure to the world of knowledge in new generation solutions, integrating these solutions and enhancing the core platform of our customers to bring the flexibility and make it comfortable for our customers, their partners and end customers to utilize all the solutions and fulfill those professional services.

We bring the expertise where our customers should focus strongly on acquiring more partners and end customers while we keep delighting, addressing our customer business problems and help in implementing those solutions, to utilize and see our customers on top of the market in their respective regions.

We help our customers in using Cloud environment where their users, agents, distributors and partners will allow the customers to digitize the card remotely over the air and transact using the Secure Element, Host Card Emulation and QR Payment technologies using the new trends from handheld devices to wearable devices. We enable IoT solutions for our customers and their partners.

The end customers can leverage and benefit from Cloud HCE for SE & SP TSM technology by accessing their credit, debit, prepaid, gift card, and transit card information issued by multiple banks or third party companies from the digital wallet on their phones. Our team expertise covers understanding and implementing the following key features of a Digital Issuance System-

·         Multi Institution, Multi-Currency, Multi-Language, Currency conversion

·         BIN/IIN Management and routing, Card Schema Management – MasterCard, VISA

·         Interfaces with Payment Schemes, Processors and other participating entities

·         Card Type Management – Debit, Credit, Prepaid, Commercial

·         Card Program Management which drives the transactions, thresholds and velocity that are supported across the linked cards

·         Fees Program Management – to define various fees that are levied on the cards

·         Customer Profiling and Account Management, Card Holder Statements

·         Card Embossing and Inventory Management

·         Online ONUS/OFFUS Authorization Transaction Processing Fraud and Risk Management, Chargeback Management, Settlement and Reconciliation,

·         HSM integration for PIN generation and PIN verification, Soft HSM, Interface with Cloud HSM.

·         Cloud implementations and integration with third-party, PNO tokenization systems

·         HCE, Tokenization, SP & SE TSM

·         Interfaces with payment networks

·         Certifications for HCE and SE for MDES, VTS

·         Certification for devices to support PayWave, Paypass, ExpressPay, and DPAS.

·         PA-DSS and PCI compliance

Visit – https://www.girmiti.com/issuance.html

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Girmiti Software-Terminal Management System | TMS Platform Developer

The POS and mobile terminal manufactures do provide their own Terminal Management Systems, but these can be used to only manage terminals manufactured and supported by them. Keeping this in mind, there would then be multiple Terminal Management Systems adding to the complexity to manage operationally.

Terminal manufacturers also provide a central Download Management System (DMS) to the Terminal owner to remotely download the App, AM, Data files and System/Application parameter values. Such a DMS may also support remote diagnostic features, depending on the terminal’s capabilities. The protocol and message formats for downloading the various files, parameters between the EDC Terminal and the DMS are mostly proprietary to the Terminal manufacturer. In most of the cases, the terminal manufacturer optimizes these protocols, message formats for performance, and some manufacturers consider certain features of the DMS to add to the unique selling proposition of their terminals as well.

Our team has expertise to develop TMS platform supports traditional POS and mobile POS, where our team brings the knowledge to build systems to support different types of traditional devices to down load application and in similar way for mPOS devices using android platforms. An integrated single point of entry system would oversee the Merchant, Terminal Management and interface with the manufacturer’s specific Terminal Management Systems. The solution retrieves data from the Merchant Management database to communicate with download management systems. It eliminates the need for multiple entries of merchant data into download systems for different device and mobile manufactures. Such Terminal Management Systems can synchronize data in the Merchant Management System, download systems, improves data accuracy, and reduces help desk support costs with its single, user-friendly interface.

It reduces the need to train and retrain customer service agents on the different download systems. A single client is all that is required on customer service agent terminals.

Our team can design, develop, implement and deploy the above features based on the scope to interface with existing systems.

Key features that Girmiti team has helped build for such a solution are:

·         Transaction

·         Configuration, Reports

·         Administration

·         Flexibility- Variable and Fixed Parameters

·         Provide Application Templates for easy setup of application parameters

·         Terminal ID generation logic

·         Wizard based, graphical and intuitive

·         User-friendly interface for Anywhere, anytime access to terminal information and administration

·         Handle multiple types of Terminals

 ·         Unique identification of each EDC terminal across the organization

·         Provide views of all parameters for any merchant without interfacing with each terminal download system separately

·         Sets up merchant terminals in various download systems automatically

·         Synchronize download system with merchant database automatically

·         Manage EDC parameters eliminating multiple software and system interfaces

·         Provide file import utility to set up new EDC application for a Processor quickly

 Key Benefits of systems that we have helped build-

·         Availability of real-time information on the assets of the company from anywhere anytime

·         Real time Inventory Management enables better distribution of assets

·         Cost-effective & scalable technologies

·         Reduce Help Desk & support costs

·         No duplication of data entry – Merchant and Parameter data

·         Single source reporting for multiple terminal manufacturers

·         Seamlessly support multiple terminal types

·         Increase data integrity and accuracy

·         Single, easy to use interface with wizards and graphic

 Interface with:

Ticket Management System, payment gateway, merchant boarding Synchronizing merchant details, synchronizing merchant user details, Synchronizing existing parameters

Some of the Diagnostic reports are:

Battery connected/ Not connected, Location wise, RAM memory available, RAM memory low/ full, USB connected/ not connected, NFC status (enabled/ disabled), Taps, Charging/ internet connection status SIM Card, scheduled download, Schedule based on the serial numbers, Mass schedule, Download history, Version wise apps, Data wise and date range search Alerts for failed downloads, last heartbeat, Merchant devices reports, Location wise reports Download, Version wise reports, Devices wise apps and reports, and Comparison reports.

For more info - https://www.girmiti.com/tms.html

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Girmiti Software-Custom POS Application & Software Development Company

Girmiti Software has expertise in consulting, designing, and developing SDK platforms for terminal manufacturers and has expertise in developing EMV PoS applications for terminal manufacturing partners. We also help them in getting certified with acquirer and leverage expertise in porting the SDK to new versions and new platforms like Linux OS. Our experience extends to working on drivers, embedded devices through working closely with Hardware manufactures.

 Our expertise in areas of testing, scripting on devices, platforms to test, helps customer products to be certified and successfully complete UAT with 3rd party vendors.

 Our Team designed, developed and provided support for PoS applications on different terminal SDK platforms based on business requirements from different regional customers (APAC, EMEA, Canada, America).

 Our team carries the expertise on Terminals and SDK expertise including:

 ·         VeriFone (VOS, VOS2, Verix, Verix-V, eVo, Nurit-Lipman, Mx, Gemalto - Magic SDK)

 ·         Ingenico (Inge-platform, Telium and Tetra series)

 ·         Hypercom (Optimum series ODT, Thales)

 ·         Castles (COTS)

 ·         PAX (Proteus platform)

 ·         Geodesic (Geo-Amida SDK)

 ·         ExadiGm

 ·         Geodesik

 ·         ATOS

 Types of PoS Application development undertaken (includes providing solution on open loop/closed loop environments):

 ·         Credit/Debit

 ·         EMV Contact, Contactless, Mobile

 ·         DCC (Multi Currency support)

 ·         Prepaid, Loyalty, Gift, Top-Up, Ticketing, transit, Sport events, Restaurants, sports, Health Care, Insurance etc.

 ·         Financial Inclusion (Micro Finance)

 ·         Cloud POS

 ·         Device Signing, Remote Key Injection

 Apart from the above listed business features, we have worked on interfacing POS device with Cash Drawer, Wireless/Bluetooth Printer, Contactless Reader, Biometric, Bar Code and Check scanner.

 Our team carries the deep expertise in domain protocols, technology and supporting tools such as:

 ·         ISO-8583/APACS protocol

 ·         EPAS/Nexo

 ·         TMS Support (VeriCentre, Inge-state, Term-master)

 ·         Remote Key Injection

 ·         Multi-Application (VMAC, App-Manager) compatibility

 ·         Card Layout preparation & security

 ·         Various communication support to the Host (PSTN/Dial-up - NAC, RAS, CDMA, IP/Ethernet, GPRS,) etc.

 Support for card devices

Cards and Certification

·         Mag-Stripe cards

 ·         Contact Smartcards (EMV - ADVT, TIP, RuPay, AMEX, Discover, SCOSTA, MIFARE, M-chip)

 ·         Contactless Smartcards (EMV - qVSDC, PayPass, qSparc, DPAS, ExpressPay, CUP DesFire, DesFire-EV1 tags).

 ·         EMV L2 certification for Contactless and Contact cards-based Reader and devices.

 New Technology PoS Services

·         Tap on Phone (mPOS)

 ·         EMV QR

 ·         Wallet Transactions

 ·         Square (Mag-stripe audio-jack dongle) type reader driver interface with smartphones iPhone, Android

 ·         Pass-through App for Contactless Reader

 ·         Attendance and Access Control Apps on PoS to accept smart poster tags (NDEF, Des-Fire tags).

 Our team works to optimize, analyze, design and build POS applications to provide business users, processors, acquirers, prepaid and 3rd party companies a robust system for their daily business or for access information.

 POS applications that we build are using the following platforms and technologies

 ·         C & C++

 ·         Android Java

 ·         QT

 ·         VC++

 Our team has developed POS custom application features & solutions for EMV/Non EMV & NFC such as –

 ·         mPOS, Mobile Top up

 ·         Credit / Debit, Gift & Loyalty

 ·         Bill payments & interfaces with utilities

 ·         Transit issuance/acquiring

 ·         E Top Up Solutions, coupons

 ·         Multi-currency, eCash

 ·         Check, Biometric

 ·         Kernel, Reader & driver

 ·         Interfaces with mobile devices

 Our team carries domain expertise in designing, developing, implementing POS Applications, interfaces for Processors & Terminals.

 To know more-

Visit- https://www.girmiti.com/pos.html

Mail Us- info@girmiti.com

[girmiti-software]

Girmiti Software, Nexo Standards & Specifications, Nexo Standard

Girmiti team has in-depth understanding, field experience in architecture, design, developing, testing, automating and supporting various facets of Nexo standards. We help our customers in developing the core platform, ensure compliance with Nexo specification standards, deploy and implement protocols for their partners along with customization, integration to third parties solutions and certifications.

Our experience and expertise cover the following Nexo expected requirements:

Nexo Fast

EMV Compliant: Accept all payment cards which are compliant with EMV specifications.

Protocol Independent: Work with various Acquirers, TMS, ECR or Retailer protocols.

Multiple Acquirer: Designed as multi-acquirer payment application.

Secure: Terminal data storage and access limited to the data required for specific task.

Testing and Certification: writing test cases, follow test specifications, use the tools to test and certify Nexo Fast with Nexo body or recommended 3rd party certification and security companies.

Nexo Acquirer

Follow worldwide accepted Nexo-based standard APIs for acquiring.

Non-proprietary common protocol

Multiple-acquiring support and enforcement

Transboundary compliance

Arbiter Agent to Acquirer support

Testing and Certification: writing test cases, follow test specifications, use the tools to test and certify the Nexo Acquirer with Nexo body or recommended 3rd party certification and security companies.

Nexo Retail

Establish a clear separation between two software applications which reside on a point of sale terminal.

Records customer sale and payment application that handles the processing of a card transaction.

Both applications share cash register peripherals such as printers, displays and card readers.

Implements the protocol that allows a sale system to request a payment system to process the payment associated to the purchase of goods or services.

Testing and Certification: writing test cases, following test specifications, using the tools to test and certify the Nexo Retail with Nexo body or recommended 3rd party certification and security companies.

 Nexo TMS

Centralization -Ensure all the POI devices are connected to the Acquirer be supervised by TMS.

Interoperability - POI follow the same application and protocol.

Realtime Update - The Acquirer has real time information of each POI.

Quick update processing - Monitor and validate all the versioning of the POI modules or applications at once.

Interchangeability - Without having to bother much about the integration process, the Acquirer has the provision to change any POI with another.

Interbankability – Making it easy to change an acquirer associated with the POIs.

Upscalability - The connectivity of POI could be added/changed seamlessly.

Connectivity – Allow the POI to be grouped based on Merchants, Stores, Region.

Testing and Certification: writing test cases, following test specifications, using the tools to test and certify the Nexo TMS with Nexo body or recommended 3rd party certification and security companies.

Girmiti has expertise in implementing solutions using ISO8583, ISO 20022, ISO 7816, ISO 14443, APACS 70, EPAS, NDC, D912, Nexo and proprietary message packets to interfaces front-end channels, mPOS, TMS,Acquirer gateways, Banks, Switches and processors.

We bring relevant experience to help our customers and partners to have their existing Platforms comply by with Nexo specification and standards with respect to their business segments.

Our team helps and works closely with our customers to understand the existing scope, current business scenarios, flows of the existing systems, to provide the consulting solutions to Build, Architect, Enhance Features, Design, Develop, Test, Automate, Deploy and UAT.

Our technology team brings the expertise in solutions and professional services to work in new generation modular architecture, micro services, cloud enabled, APIs, secured mechanism, token-based authentication, internationalization, two way SSL, Certificates, Securing Sensitive Data, OWASP and Database Encryption.

We bring deep knowledge and experience in Payment solutions support 24/7 driven by SLAs (for DevOps and SysOps functions), Maintaining and managing existing system for our customer and their partners.