POS Software Development

Ingenio is able to provide EMV migration consulting and allow banks to issue and manage a wide range of chip card based applications. Our team can develop a customized application to manage multiple applications on a single smart card not only for EMV applications, but also POS electronic payment applications, PKI, and Loyalty. We have implemented a bill payment module, an installment module and prepaid e-vouchers, as well.

Supported transactions:

• Sale, Cash-back Sale, Installments, Retail credit sale
• Pre-authorization/ Finalizing; Annulment/ Automated annulment/ Partial Annulment/ Return
• Account balance, Mini-statement, Bill payment (including barcode reader integration)
• Reconciliation, Batch upload, Loyalty

All transactions support Manual Entry, magnetic cards, EMVs (chip cards) and Contactless.

Characteristics:

• Encrypted communication (SSL or Host format ex: 3DES, AES etc.)
• Encryption key remote update (PIN key, MAC key etc.) based on master Key
• TMS (parameter update, application update)
• Configurable application texts
• Configurable receipt format
• Configurable user menus (the bank may design the operator interface according to its preferences)
• Function logs TMS upload (for failed transaction detection)
• Survey communication, for evaluating possible communication problems in the area
• Virtual terminal support (several TIDs concomitantly administrated on a single terminal)
• Automated Reconciliation and/or TMS connection
• Automated detection of GSM network (automated reconfiguration upon SIM card change)
• ECR (cash register) integrated support

POS Maintenance services

• Level 1 Call Center assistance for retailers
• Level 2 Call Center assistance for field engineers