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Mobile Payments - Xpressi Cloud

 


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PRODUCT FEATURES

 

  • Gain Full Flexibility with Open Operability
  • Lower Cost – A One Time License Fee Instead of On-Going Transaction Fees
  • Scalable solution capable of supporting millions of handsets
  • Security Compliance with PCI, Visa, MasterCard Certification
  • Extensive Monitoring and Reporting Abilities
  • Specifically Trained Support Team for Maintenance and Update

PRODUCT SPECIFICATIONS

STRAIGHTFORWARD AND SECURE MOBILE PAYMENT APPLICATIONS MANAGEMENT

NBS Technologies has made Mobile Payments a cost-effective solution through Xpressi Cloud

The Xpressi Cloud enables service providers to distribute and manage contactless applications remotely in NFC-enabled handsets via the HCE (Host Card Emulation) feature in Android and via secure elements in selected handsets. Once personalized the NFC-enabled handset can emulate a contactless card.

The NBS developed HCE has been certified by Visa as Visa Ready.

 

 

How Xpressi Cloud works

NBS has developed an Android application that supports HCE.  The Xpressi Cloud  personalizes the HCE or secure element by way of HTTP/HTTPS using either the mobile data connection or WiFi.  In HCE mode, the Xpressi Cloud Server performs all the security for  the application allowing the handset to be use securely at a POS terminal that supports contactless cards.

The NBS HCE supports EMV contactless cards including:

  • The Visa Cloud-Based Payments Program

    • Implements Visa Cloud-Based Payments Specification

    • Supports Visa PayWave in both qVsdc and MSD modes

    • Cryptography is performed by TSM server

    • Limited Use Keys are generated by the Xpressi server and used by the HCE in POS transactions

    • Visa specified transaction log files are transmitted to the Xpressi server and recorded in a database

  • MasterCard Cloud-Based Payments support is in development

  • Loyalty applications can also be supported

  • No data connection is required to use the phone at a POS terminal

  • Transaction logs are maintained that can be viewed on the handset and exported to Xcel

    Xpressi Cloud Components:

  • Financial Institution Interface – Supports secure communication directly with banks. Banks may provide account data in a variety of modes and many flexible input data formats are supported

  • KeyMaster – Secure and Flexible Management of Keys

  • Xpressi Cloud Server – Securely Assembles Account Information and Transmits Data to the handset via the Mobile Operator Data Network or WiFi

  • Xpressi Monitoring – Provides Real Time Monitoring and Reporting of Historical Transactions

  • PersoMaster – Configure card programs based on financial institution requirements

The NBS Advantage:

  • Value -added –One Time License Fee Instead of On-Going Transaction Fees
  • Scalable solution capable of supporting millions of handsets
  • Experienced in Key Management and Securely Handling Data
  • Smart Card Knowledge on All Widely Accepted Platforms
  • Security Compliance with PCI, Visa, MasterCard Certification
  • Extensive Monitoring and Reporting Abilities
  • Specifically Trained Support Team for Maintenance and Updates
  • All-in-one solution

Software Sales
+1-952-912-9400
info@nbstech.com