Currently, a consumer mobile phone cannot communicate with the standard POS terminal at the merchant location. This can be overcome if the mobile phone through GPRS/NFC and BLE technology can connect to the POS terminal, pass on the card information stored on it to the POS terminal.
An adapter must be built and connected to the POS terminal and on the mobile side the application should be able to use the GPRS/NFC/BLW mode to establish connection with the POS terminal and transmit card information to the POS terminal.
Girmiti Software has the vast experience in developing such innovative solutions for the POS and Mobile where a mCommerce type of transaction can be done at the POS terminal.
Few of the features that are implemented for our customers are as follows:
Inbuilt Risk & Fraud Transactions
EMV & Non EMV Payment Methods
NFC, HCE, BLE, Wi-Fi, QR, Bar code,
Split Payments Cr/Db, Prepaid, Coupons,
Wallet, Gift, Loyalty
API for- Gateways, Banks, Processors & 3rd Parties Channels
Audio Jack, Bluetooth, Wi-Fi, Android, Windows, BB API for 3rd Parties
SDK provides integration with Gateway and TMS, Integration with TMS is for all the parameter initialization, application installation/upgradation and remote management. Payment gateway integration allows to process the transactions online.
EMV L2 Kernel enables a card acceptance on smart phones to process EMV transactions
Enables Smart phone or POS application to support EMV transactions from Discover/ Visa/ MasterCard or closed loop.
Library is fully compliant with the EMV standard specifications.
EMV Kernel supports VISA and MasterCard contactless cards as per the specifications
Library provides set of APIs, the target POS application to use to perform EMV transaction.
Features provided by L2 Kernel Library
Various Application Selection schemes such as PSE, PPSE, AID or partial AID selections.
Data Authentication methods
Support of CVM methods
Risk Management features like Floor limit, Velocity Check, Random online transaction
Terminal Action analysis with terminal action codes
Provides options for easy configuration of parameters - Terminal capabilities, Additional terminal capabilities and Terminal type
EMV Kernel can be implemented based on EMV Contactless specification
Functionality of the kernel level APIs are as follows:
Get processing options
READ RECORD Command-Response APDUs
Cardholder Verification & CVM Processing Logic
Terminal Risk Management (Floor Limits, Random Transaction Selection, Velocity Checking)
GET DATA Command-Response APDUs
VERIFY Command-Response APDUs
Data Authentication (SDA/DDA/CDA)
Combined DDA/Application Cryptogram Generation (CDA
Online result processing
Issuer script processing
Initiate App Processing
Card Holder Verification
Terminal Risk Management
Terminal Card Action Analysis
L3 application is Payment Application which enables merchants to accept the transactions. The application covers the features of credit and debit, where this will be interfaced with kernel and payment gateway or any of the processors to certify the PNO transactions. L3 applications can be developed on Android devices.
The following are the features list which covers the high level for Merchants:
NFC Mobile Wallet
QR Code Based Payment
Sale with TIP
Pre Authorization Completion
Our Team helps and works closely with related companies, 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, Support, Maintain existing system and UAT.
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