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Leveraging the Verifone VX520 terminal with Smart Card Technology

CVerifonePayments

The Client | Smart Card Solutions

The client is a technology company specializing in providing payment solutions for commercial laundry equipment manufacturers and laundry service organizations, helping businesses rescue expenses and improve efficiencies in the bill remittance process.

Their payment solutions let customers accept multiple forms of payments, while processing all payment forms for consistent accessibility across numerous payment channels. Extensive experience in the growth and development of the coin-operated laundry industry has lead them to become one of the first Original Equipment manufacturers (OEMs) in the market.

Over the past decade, the client has nurtured partnerships with Whirlpool and other commercial laundry equipment giants, allowing them to grow their position as an industry leader. Their product offerings include smart card equipment, coin vending products, management solutions, smart phone payment applications, event payment systems, tablet management applications, and cloud-based backend software.

The continuous advancement of payment technologies, combined with the growing demand for customer convenience, created the need to produce a compatible easy-to-use, accessible, and straightforward payment solution for their B2B clientele utilizing the Verifone VX520 terminal.

smart card technology
Verifone VX520 and smart card technology solutions

Laundry Day, Smart Card Technology, and the Verifone VX520 terminal

Chetu focused on implementing an application on the Verifone VX520 terminal that would be used for selling, recharging, inquiring, and getting account balance details on the client's extensive line of Smart Card equipment. The Smart Card umbrella includes Laundry Payment Flash Cards, Flash Card Readers for usage, and recharge information, and Flash Card Dispensers.

The application also required a consistent data format integration and communication with payment gateway 'Moneris'.

Verifone, a global provider of technology for electronic payment transactions and value-added services at point-of-sale, sells merchant-operated, consumer-facing, and self-service payment systems to the financial, retail, hospitality, petroleum, government and healthcare industries.

The Verifone VX520 terminal is a reliable, refined countertop device that's built to last. It handles encryption, decryption and processing in an agile manner due to its powerful processor and expandable memory. Integrated NFC capabilities support alternative payments, also supporting value-added applications like debit, credit, or gift card acceptance.

The client wanted to eliminate tedious cash and coin handling processes by implementing service communication between the Smart Card System, the Verifone VX520 application, and payment gateway Moneris. Chetu was able to enhance multi-payment transaction options and convenience amongst customers on laundry day by creating a seamless, coin-vending application solution with smart card technology and Verifone point-of-sale solutions.

Verifone VX520 supports Smart Card Payments

The technologies leveraged during the development phase of the project are the following:

  • Microsoft Visual Studio IDE
  • C Language
  • RVDS 4.0
  • Verix V SDK 10.0
  • Verix Evo
  • Verifone VX520 Terminal
  • Moneris

The client requested Chetu to use the Verifone VX520 Terminal to implement an application that directly interacts with their Smart Card System used for laundry payments, a system comprised of Flash Cards, Flash Card Reader, and Flash Card Dispenser.

The first step in approaching the project was to set a scalable Verifone working environment by installing RVDS 4.0, development suite, enhanced communication libraries, and a signing tool.

Additionally, Chetu engineers created a VMAC based project on Microsoft Visual Studio IDE to fully develop a responsive application screen flow. Developers were able to analyze service request by creating a responsive data format and implementation of communication with payment gateway Moneris.

Finally, downloadable VMAC libraries contributed to supporting and creating components onto the Verifone device. The production and staging environment of the development phase consisted of the Verifone VX520 terminal. Below are the tool and components used during development:

Debit Card: A debit card used instead of cash, when making purchases, contains a magnetic stripe on the card that is capable of storing data by modifying the magnetism of tiny iron-based magnetic particles on a band of magnetic material on the card.

Credit Card: A credit card allows the issuer of the card to create a revolving account and grant a line of credit to the consumer (or user) from which they can borrow money for payment to a merchant or as a cash advance.

Merchant ID: A merchant identification number (MID) is assigned to a merchant account to identify it throughout the course of processing activities. When merchants process debit-card/credit-card transactions over a computer network, those networks are interconnected with a debit/credit card front-end processing center and a back-end settlement network via a network gateway.

Terminal ID: A Terminal ID or TID is a unique number that is assigned to your merchant number when you apply for an account.

Terminal Printer: Thermal printer is a digital printer which produces a printed image by selectively heating coated thermo chromic paper, also known as thermal paper, when the paper passes over the thermal print head.

VMAC: VMAC stands for Verix Multi App Conductor. VMAC provides a platform for multiple terminal applications to run on a single device concurrently. Each app task is driven by events received from the Verix/Verix V OS.

Communication Server: The Communication Server is a client server solution, where the Communication Server task is responsible for all the communication.

Configuring Ethernet Parameters: During run time, Communication Server allows media switching between Ethernet, Landline with PPP and Landline without PPP. If the connection fails with one media, then the application can request Communication Server to switch to another media by sending an event request.

Configuring Dialup Parameters: In configuring Dialup parameters section, Dialup/Landline media indicates dialup with PPP media. Dialup without PPP is mentioned wherever it is applicable.

The client received the final deliverable and quickly brought it to market. The new application consisted of the client's smart card technology product offerings that eliminated tedious cash and coin handling processes, providing solutions to commercial laundry equipment manufacturers and laundry service organizations.

By utilizing the Verifone VX520 terminal, the client was able to expand business processes and efficiency. Integrated NFC/CTLS capabilities, MRS enabled functionality, and EMV enabled support expanded the client's infrastructure significantly.

Verifone VX520 technology
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