|
Chip & Pin Commidea |
|
|
Introduction
Chip & PIN, without doubt the biggest technological development of the retail
and hospitality sectors in the past decade, is upon us. At a stroke it will vastly
reduce credit and debit card fraud and provide consumers with a simple and secure
method of paying.
As the UK’s leading developer of credit and debit card solutions, Commidea is setting
the standard for Chip & PIN technology in the UK, providing a range of solutions
and services for both the retail and hospitality sectors, including a unique pre-certified
system which avoids the dreaded approval process.
Working will all the UK’s banks and the major hardware manufacturers, Commidea can
offer Chip & PIN solutions to meet the demands of any organisation.
Welcome to the future of credit and debit card payment systems...
Ocius
A generically approved solution, Ocius is totally unique and offers by far the simplest
and most cost-effective route to Chip & PIN functionality.
Pre-certified by all major UK banks, the system can be simply integrated into an
existing retail or hospitality POS system for immediate Chip & PIN acceptance.
Available as a fixed, portable or mobile solution, Ocius eliminates the costly and
time-consuming need for bank testing while providing a highly versatile, reliable
and efficient Chip & PIN solution.
Ocius Vx10
The Ocius Vx510 is a high performance, pre-approved Chip & PIN solution for
counter top retail environments. Created by Commidea, the UK’s leading developer
of credit and debit card payment processing solutions, it offers a unique method
of integrating Chip & PIN functionality whilst combining ease of use with reliability.
Verifone Vx510
The Vx510 is part of a new generation of VeriFone solutions. Incorporating a 32-bit
processor, as well as an option for Ethernet and dial communications, it provides
extraordinary performance for payment and value-added applications - including data-intensive,
EMV smart card transactions.
Sample Configuration - Ocius VX510
Specification
| Processor | 200 MHz ARM9 32-bit RISC processor |
| Memory | 3 MB – dial only
6 MB (4 MB of Flash, 2 MB of SRAM) |
| Display | 128 x 64 pixel graphical LCD with backlighting; supports 8 lines x 21 characters |
| Magnetic Card Reader | Triple track (tracks 1, 2, 3), high coercivity, bi-directional |
| Primary Smart Card | ISO 7816, 1.8V, 3V, 5V or synchronous and asynchronous cards; EMV certified (optional smart card) |
| SAM Card Reader | 3 Security Access Modules (optional SAMs) |
| Keypad | 3 x 4 numeric keypad, plus 8 soft-function keys and 4 screen-addressable keys |
| Peripheral Ports | Two RS-232 ports, one telco port and one optional Ethernet port supports communications and peripherals including PIN pads and check readers |
| Printer | Integrated thermal with graphics capabilities, 18 lines per second, 24 or 32 columns; standard roll paper 58 mm (2.25 in.) x 25 M (82 ft.), single ply |
| Modem | Standard 14.4 kbps modem supporting Bell 103/212a, CCITT V.21/V.22/V.22bis/V.32/V.32bis (300/1200/2400/9600/14400 and HC Fast Connect for 1200bps. Optional: Fast POS for 9600) |
| Protocols | Application selects between asynchronous protocols (Visa 1, Visa 2, and others) and synchronous protocols (including ISO 8583/SDLC) |
| Security | SSL v3.0, 3DES encryption, Master/Session and DUKPT key management; PED approved; VeriShield file authentication |
| Physical | Length: 209 mm (8 in.); Width: 102 mm (4 in.); Height: 72mm (2.8 in.) Weight: Terminal/500 g (1.10 lbs.), Full shipping/1,326 g (2.84 lbs.) |
| Environmental | 0 to 40 C (32 to 104 F) operating temperature; 5% to 90% relative humidity, non-condensing |
| Voltage | AC input 100 - 240 VAC, 50/60 Hz; DC Output 8.6 - 9.4 VDC, 4.0 Amp |
Application Manager
The Commidea Application Manager (CAM) is a versatile and fully featured application
suite which enables Ocius terminal users to maintain full control of their Ocius
terminal estate and gain access to detailed information at local or head office
level. CAM, a 32 bit MS Windows application, acts as a “container” for any or all
of the following Commidea applications:
Accounts. This module provides details of the merchant account configurations
used by the terminals to process transactions from each store. It also includes
the permissions available within each account for different groups of users (e.g.
administrators, supervisors etc). Such permissions are configurable by central control
to determine the activities available to different users in different stores. This
application also details the card types accepted under each account and other account
specific information.
Management. This module contains a variety of management utilities including
the creation of backup policies, scheduled tasks, the creation and maintenance of
users and user groups as well as the software update import function which is used
to import software updates for later download to the terminal estate.
Local Reports. Local reports is a reporting suite that can be used to design
report templates and criteria templates that are used in tandem to generate quick
reports on transactions that have been processed through the payment server.
TMIS Reports. Further detailed management reports which also provide financial
settlement information.
Reconciliation. This application provides users with the ability to calculate
MSC’s and apply chargebacks to specific transactions in order to provide accurate
data for reconciliation with settlement accounts.
Messages. This utility is a system messaging service that provides administrators
with important messages concerning operations within the Commidea Application Manager
suite of modules. Messaging can also be used to enable Commidea messages to be delivered
concerning release of terminal application software updates.
I-link. I-Link is the application that receives incoming terminal generated
transaction processing requests and forwards them to the payment server for processing.
It is also responsible for returning outgoing processing results to the terminals.
Terminals. The terminals module provides information on the location, IP
address and identity of terminals throughout the estate. It also provides information
about terminal application software levels. More importantly, the terminal module
allows administrators to select which terminals should receive new updates that
have been imported via the management module.
EFT Payment Systems
Whether it’s Ocius or PEDs, at the heart of our card acceptance solutions lies one
of Commidea’s leading edge payment server systems, which acts as a gateway to your
acquiring bank for authorisation and financial settlement.
WinTi
With over 10,000 UK installations, WinTI is a payment server application that can
be installed at branch or head office level. WinTI is a state of the art, fully
Chip & PIN compliant payment server which can support from 1 – 10,000 POS simultaneously
and which can communicate with your acquirer via PSTN, ISDN, Paknet or X.25. A Windows
32 bit application, WinTI supports all major card schemes, acquirers and transaction
types (including gratuity and cash back).
ICP
Commidea’s “outsourced” payment solution enables retailers to eliminate payment
server installation and maintenance whilst benefiting from all of the functionality
and reliability of Commidea’s WinTI system. Running at two mirrored UK data centres,
ICP is a fully managed payment service (24/7) and is available to both Ocius and
PED users.
|
|