The client, a leading provider of global transportation in-vehicle technology solutions, wished to implement a POS EMV system, to be offered to independent merchant taxi service entities. The primary problem was that they had to update their current POS systems to alleviate the liability shift from their customers.
They wanted to integrate with a leading payment processor that they already associated with, and a certified hardware terminal that supports mag-stripe, EMV, and contactless, which conforms to the following ISO standards:
Additionally, Chetu was tasked with the research to find a suitable mobile card reader device that supports mag-stripe, EMV, and contactless card types. In the research and development period, Chetu considered all dimensions of the solution at hand—cost factors, ease of integration, OS support, connectivity, compatibility. Once the hardware was chosen Chetu moved on to address the implementation of application identifiers and enable support for offline features.
Using extensive research, Chetu pinpointed the terminals capable of supporting the appropriate ISO standards for mag-stripe, EMV, and contactless card functions. Following the research, it was subsequently decided to select the Ingenico iPP 320 device. This device supports the necessary ISO functions, is First Data certified for supporting end-to-end encryption, is within the proposed budget, and has all necessary features.
After selecting the proper EMV terminal, Chetu began programing the AIDs. EMV chips are equipped with an Integrated Circuit Card (ICC) application. These applications hold the identifiers, or tags, that allow different proprietary card issuers, payment processors, and card networks to uniquely interact with different terminals. A card using EMV standards will contain one or more unique AIDs, and each payment terminal will have one or more of the corresponding Identifiers to accept that card.
Considering each merchant had their own payment partner, Chetu ensured that the terminals were programmed with all available AIDs to maximize compatibility. Additionally, the terminals were programed for offline batch processing for areas where internet infrastructure is unreliable and slow. Static Data Authentication (SDA) allows for offline validation by signature and a batch processing function when a solid connection to the internet is maintained.
Chetu's upgrades allowed the client to grow and expand beyond their legacy payment options. The entity Chetu engineered offers customers a secure, reliable, and cost effective POS terminal. Now, the client offers a payment solution that reduces liability by supporting mag-stripe, EMV chip, and contactless payment methods. Going above and beyond the standard, the client leverages mobile, Bluetooth, and USB connectivity for motility within the transportation industry. To navigate through unreliable internet connectivity, the final deliverable offers offline support and batch processing.