girmiti software

Girmiti team has in-depth understanding, field experience in architecture, design, developing, testing, automating and supporting various facets of Nexo standards. We help our customers in developing the core platform, ensure compliance with Nexo specification standards, deploy and implement protocols for their partners along with customization, integration to third parties solutions and certifications.

We bring deep knowledge and experience in Payment solutions support 24/7 driven by SLAs (for DevOps and SysOps functions), Maintaining and managing existing system for our customer and their partners.

Currently, a consumer mobile phone cannot communicate with the standard POS terminal at the merchant location. This can be overcome if the mobile phone through GPRS/NFC and BLE technology can connect to the POS terminal, pass on the card information stored on it to the POS terminal.

An adapter must be built and connected to the POS terminal and on the mobile side the application should be able to use the GPRS/NFC/BLW mode to establish connection with the POS terminal and transmit card information to the POS terminal.

Girmiti Software has the vast experience in developing such innovative solutions for the POS and Mobile where a mCommerce type of transaction can be done at the POS terminal.

Few of the features that are implemented for our customers are as follows:

Inbuilt Risk & Fraud Transactions.

EMV & Non-EMV Payment Methods

NFC, HCE, BLE, Wi-Fi, QR, Bar code,

Split Payments Cr/Db, Prepaid, Coupons,

Wallet, Gift, Loyalty

API for Gateways, Banks, Processors & 3rd Parties Channels

Audio Jack, Bluetooth, Wi-Fi, Android, Windows, BBAPI for 3rd Parties

Our Team helps and works closely with related companies, to understand the existing scope, current business scenarios, flows of the existing systems, to provide the consulting solutions to Build, Architect, Enhance Features, Design, Develop, Test, Support, Maintain existing system and UAT.

To Know More,

Visit: https://www.girmiti.com/mobile_pos_emv.html

We help our customers in developing, deploying, automating and implementing the core platform for their partners along with customization and integration to third parties to help certify with payment networks and closed loop. The new trend of enhancing the existing issuance platform in the mode of SE TSM and Host Card Emulation brings us to the top of our services. Several global implementations have been taken care of and integrations are going on and in PNOs certifications. This gives us exposure to the world of knowledge in new generation solutions, integrating these solutions and enhancing the core platform of our customers to bring the flexibility and make it comfortable for our customers, their partners and end customers to utilize all the solutions and fulfill those professional services.

We bring the expertise where our customers should focus strongly on acquiring more partners and end customers while we keep delighting, addressing our customer business problems and help in implementing those solutions, to utilize and see our customers on top of the market in their respective regions.

We help our customers in using Cloud environment where their users, agents, distributors and partners will allow the customers to digitize the card remotely over the air and transact using the Secure Element, Host Card Emulation and QR Payment technologies using the new trends from handheld devices to wearable devices. We enable IoT solutions for our customers and their partners.

The end customers can leverage and benefit from Cloud HCE for SE & SP TSM technology by accessing their credit, debit, prepaid, gift card, and transit card information issued by multiple banks or third party companies from the digital wallet on their phones. Our team expertise covers understanding and implementing the following key features of a Digital Issuance System-

Multi Institution, Multi-Currency, Multi-Language, Currency conversion

BIN/IIN Management and routing, Card Schema Management – MasterCard, VISA

Interfaces with Payment Schemes, Processors and other participating entities

Card Type Management – Debit, Credit, Prepaid, Commercial

Card Program Management which drives the transactions, thresholds and velocity that are supported across the linked cards

Fees Program Management – to define various fees that are levied on the cards

Customer Profiling and Account Management, Card Holder Statements

Card Embossing and Inventory Management

Online ONUS/OFFUS Authorization Transaction Processing Fraud and Risk Management, Chargeback Management, Settlement and Reconciliation,

HSM integration for PIN generation and PIN verification, Soft HSM, Interface with Cloud HSM.

Cloud implementations and integration with third-party, PNO tokenization systems

HCE, Tokenization, SP & SE TSM

Interfaces with payment networks

Certifications for HCE and SE for MDES, VTS

Certification for devices to support PayWave, Paypass, ExpressPay, and DPAS.

PA-DSS and PCI compliance

NFC wallet is a mobile Digital wallet that supports business applications with communications using secured devices that use a special chip on the smartphone called Secure Element (SE). With the advantages of Secure Element in NFC Chip, the wallet can store credit/debit cards, access cards, coupons, loyalty cards, prepaid cards, vouchers, tickets, and many other contents in the same wallet and manage them.

This type of wallet requires the consumer to log in to the app, using perhaps a secure PIN or password. For the cardholder and the merchant, this is like how EMV PIN codes work. The wallet app can then be used for proximity "contactless" interaction with nearby contactless terminals, transport gates or other NFC devices. These solutions have been implemented by 3rd party payment partners, Telco’s and Banks as extensions of their existing solutions to their customers, partners and consumers and which We are equipped to implement the same. Digital wallet is flexible enough to adopt easily in current existing business environment, if a bank or any other service provider wants to have a wallet, we can design, develop, integrate to service providers using the Global Platform specified interfaces.

Our team has worked and implemented on the standards of ISO 14443, ISO 7816, NDEF, GP Card Spec, GP Messaging, ETSI, GSM Specifications for our customers and their partners along with interfacing our customer patents to help them in complete Digital issuance and wallet solutions of their business

We also have relevant experience to help our customers and partners to have the Digital Wallet Solutions certified by Card Payment Schemes/PNOs, processors with respect to their business segments. Our Team helps and works closely with our customers to understand the existing scope, current business scenarios, flows of the existing systems, to provide the consulting solutions to Build, Architect, Enhance Features, Design, Develop, Test, Automate, Deploy, UAT.

We enable the new generation trends in providing solutions and services in Cloud and IoT.

We bring deep knowledge and experience in Payment solutions for Supporting 24/7, SLAs (DevOps and SysOps), maintaining and managing existing system for our customer and their partners.

To know more,

Visit: https://www.girmiti.com/wallet.html

Girmiti Software’s Certification team has expertise in the certification of Payment solutions on EMV Kernel, HCE, Digital Issuance, Nexo Fast, Nexo Acquirer, Nexo Retail, Nexo TMS,

Issuance, Payment Gateway, Processor, customer L2, L3 devices, readers which interface with payment host systems. Our team works closely with customers in getting the certifications done based on defined specifications given by the customers and their partners.

We also work with product companies to build support through kernel platform to help them in getting certification for devices, readers and payment systems.

To Know More About Us:

Visit: https://www.girmiti.com/certification.html

The transit industry is upgrading the payment infrastructure by embracing the latest technologies and deploying digital payments. AFCS, an integrated ticketing system, automates the ticketing at public transport networks like buses, metros, rails, etc., AFCS allows fast payment transactions and effective fare collection without much human intervention. It also provides merchants with a platform for better management.

AFCS involves multiple components that include Fare media, ticket vending machine, Fare gate, etc. We provide solutions to backend servers using which, one can configure, PTOs, Routes, Stops, Stations, Fare, Tickets, Passes, Devices, and Vehicles.

With proven payment experience, we help our clients in deploying AFC systems, where we develop software solutions for all the components and integrate them into one AFC system. Our solutions can support various fare media such as tokens, cards, and various technologies including NFC.

With AFC applications, commuters can purchase their tickets and recharge their tickets online. It accepts various payment methods like credit/debit cards, net baking, etc.,

Our solutions for AFC systems will allow no discrepancy that helps in accurate fare collection and prevents fraudulent actions.

To know more,

Visit: https://www.girmiti.com/transit_AFCS.html

The POS and mobile terminal manufactures do provide their own Terminal Management Systems, but these can be used to only manage terminals manufactured and supported by them. Keeping this in mind, there would then be multiple Terminal Management Systems adding to the complexity to manage operationally.

Terminal manufacturers also provide a central Download Management System (DMS) to the Terminal owner to remotely download the App, AM, Data files and System/Application parameter values. Such a DMS may also support remote diagnostic features, depending on the terminal’s capabilities. The protocol and message formats for downloading the various files, parameters between the EDC Terminal and the DMS are mostly proprietary to the Terminal manufacturer. In most of the cases, the terminal manufacturer optimizes these protocols, message formats for performance, and some manufacturers consider certain features of the DMS to add to the unique selling proposition of their terminals as well.

Our team has expertise to develop TMS platform supports traditional POS and mobile POS, where our team brings the knowledge to build systems to support different types of traditional devices to down load application and in similar way for mPOS devices using android platforms. An integrated single point of entry system would oversee the Merchant, Terminal Management and interface with the manufacturer’s specific Terminal Management Systems. The solution retrieves data from the Merchant Management database to communicate with download management systems. It eliminates the need for multiple entries of merchant data into download systems for different device and mobile manufactures. Such Terminal Management Systems can synchronize data in the Merchant Management System, download systems, improves data accuracy, and reduces help desk support costs with its single, user-friendly interface.

Girmiti Software has expertise in consulting, designing, and developing SDK platforms for terminal manufacturers and has expertise in developing EMV PoS applications for terminal manufacturing partners. We also help them in getting certified with acquirer and leverage expertise in porting the SDK to new versions and new platforms like Linux OS. Our experience extends to working on drivers, embedded devices through working closely with Hardware manufactures.

Our expertise in areas of testing, scripting on devices, platforms to test, helps customer products to be certified and successfully complete UAT with 3rd party vendors.

Our Team designed, developed and provided support for PoS applications on different terminal SDK platforms based on business requirements from different regional customers (APAC, EMEA, Canada, America).

Our team carries domain expertise in designing, developing, implementing POS Applications, interfaces for Processors & Terminals.

To know more-

Visit- https://www.girmiti.com/pos.html

Girmiti team has in-depth understanding, field experience in architecture, design, developing, testing, automating and supporting various facets of Nexo standards. We help our customers in developing the core platform, ensure compliance with Nexo specification standards, deploy and implement protocols for their partners along with customization, integration to third parties solutions and certifications.

Our team helps and works closely with our customers to understand the existing scope, current business scenarios, flows of the existing systems, to provide the consulting solutions to Build, Architect, Enhance Features, Design, Develop, Test, Automate, Deploy and UAT.

Our technology team brings the expertise in solutions and professional services to work in new generation modular architecture, micro services, cloud enabled, APIs, secured mechanism, token-based authentication, internationalization, two way SSL, Certificates, Securing Sensitive Data, OWASP and Database Encryption.

We bring deep knowledge and experience in Payment solutions support 24/7 driven by SLAs (for DevOps and SysOps functions), Maintaining and managing existing system for our customer and their partners.

Currently, a consumer mobile phone cannot communicate with the standard POS terminal at the merchant location. This can be overcome if the mobile phone through GPRS/NFC and BLE technology can connect to the POS terminal, pass on the card information stored on it to the POS terminal.

An adapter must be built and connected to the POS terminal and on the mobile side the application should be able to use the GPRS/NFC/BLW mode to establish connection with the POS terminal and transmit card information to the POS terminal.

Our Team helps and works closely with related companies, to understand the existing scope, current business scenarios, flows of the existing systems, to provide the consulting solutions to Build, Architect, Enhance Features, Design, Develop, Test, Support, Maintain existing system and UAT.

To Know More,

Visit: https://www.girmiti.com/mobile_pos_emv.html

We help our customers in developing, deploying, automating and implementing the core platform for their partners along with customization and integration to third parties to help certify with payment networks and closed loop. The new trend of enhancing the existing issuance platform in the mode of SE TSM and Host Card Emulation brings us to the top of our services. Several global implementations have been taken care of and integrations are going on and in PNOs certifications. This gives us exposure to the world of knowledge in new generation solutions, integrating these solutions and enhancing the core platform of our customers to bring the flexibility and make it comfortable for our customers, their partners and end customers to utilize all the solutions and fulfill those professional services.

We bring the expertise where our customers should focus strongly on acquiring more partners and end customers while we keep delighting, addressing our customer business problems and help in implementing those solutions, to utilize and see our customers on top of the market in their respective regions.

We help our customers in using Cloud environment where their users, agents, distributors and partners will allow the customers to digitize the card remotely over the air and transact using the Secure Element, Host Card Emulation and QR Payment technologies using the new trends from handheld devices to wearable devices. We enable IoT solutions for our customers and their partners.

The end customers can leverage and benefit from Cloud HCE for SE & SP TSM technology by accessing their credit, debit, prepaid, gift card, and transit card information issued by multiple banks or third party companies from the digital wallet on their phones. Our team expertise covers understanding and implementing the following key features of a Digital Issuance System-

Multi Institution, Multi-Currency, Multi-Language, Currency conversion

BIN/IIN Management and routing, Card Schema Management – MasterCard, VISA

Interfaces with Payment Schemes, Processors and other participating entities

Card Type Management – Debit, Credit, Prepaid, Commercial

Card Program Management which drives the transactions, thresholds and velocity that are supported across the linked cards

Fees Program Management – to define various fees that are levied on the cards

Customer Profiling and Account Management, Card Holder Statements

Card Embossing and Inventory Management

Online ONUS/OFFUS Authorization Transaction Processing Fraud and Risk Management, Chargeback Management, Settlement and Reconciliation,

HSM integration for PIN generation and PIN verification, Soft HSM, Interface with Cloud HSM.

Cloud implementations and integration with third-party, PNO tokenization systems

HCE, Tokenization, SP & SE TSM

Interfaces with payment networks

Certifications for HCE and SE for MDES, VTS

Certification for devices to support PayWave, Paypass, ExpressPay, and DPAS.

PA-DSS and PCI compliance

NFC wallet is a mobile Digital wallet that supports business applications with communications using secured devices that use a special chip on the smartphone called Secure Element (SE). With the advantages of Secure Element in NFC Chip, the wallet can store credit/debit cards, access cards, coupons, loyalty cards, prepaid cards, vouchers, tickets, and many other contents in the same wallet and manage them.

This type of wallet requires the consumer to log in to the app, using perhaps a secure PIN or password. For the cardholder and the merchant, this is like how EMV PIN codes work. The wallet app can then be used for proximity "contactless" interaction with nearby contactless terminals, transport gates or other NFC devices. These solutions have been implemented by 3rd party payment partners, Telco’s and Banks as extensions of their existing solutions to their customers, partners and consumers and which We are equipped to implement the same. Digital wallet is flexible enough to adopt easily in current existing business environment, if a bank or any other service provider wants to have a wallet, we can design, develop, integrate to service providers using the Global Platform specified interfaces.

We also have relevant experience to help our customers and partners to have the Digital Wallet Solutions certified by Card Payment Schemes/PNOs, processors with respect to their business segments. Our Team helps and works closely with our customers to understand the existing scope, current business scenarios, flows of the existing systems, to provide the consulting solutions to Build, Architect, Enhance Features, Design, Develop, Test, Automate, Deploy, UAT.

We enable the new generation trends in providing solutions and services in Cloud and IoT.

We bring deep knowledge and experience in Payment solutions for Supporting 24/7, SLAs (DevOps and SysOps), maintaining and managing existing system for our customer and their partners.

To know more,

Visit: https://www.girmiti.com/wallet.html

Girmiti Software’s Certification team has expertise in the certification of Payment solutions on EMV Kernel, HCE, Digital Issuance, Nexo Fast, Nexo Acquirer, Nexo Retail, Nexo TMS, Issuance, Payment Gateway, Processor, customer L2, L3 devices, readers which interface with payment host systems. Our team works closely with customers in getting the certifications done based on defined specifications given by the customers and their partners.

We also work with product companies to build support through kernel platform to help them in getting certification for devices, readers and payment systems.

Certification of HCE

Certification with the Card Issuing systems

Certifying with Digital Wallet Platform

Certifying with Token Manager Platform

Certification for Contact EMV Cards

Level 2 questionnaire Filing (ICS for Master Card) on behalf of the customer

Usage of Smart-Spy tool for log capturing, ADVT cards, MTIP and Inter-Op cards to analyse the test script behaviour with the application to be certified

Analysis and testing of the EMV application for the various scenarios set and submission to the card association point of contact

Execution of the questionnaire test cases

Co-ordination with the development team for the feedback for the off-line-logs from Visa/MC and re-submission of the updates logs

L3 with Payment Host and Schemes

Certification for NFC / Contactless Cards

Usage of Smart-Spy tool, Visa - qSDC, qVSDC cards, VpTT, MasterCard (PayPass), M-Chip cards to analyse the test script behaviour

Execution of the questionnaire test cases

Co-ordination with the development team for the feedback for the off-line-logs from Visa/MC and re-submission of the updates logs

L3 App for tPOS and mPOS devices

Contact & Contactless certification support

Our team has expertise in using a spy tool with a subset of cards from VISA and MasterCard.

Below are details of the kits and technologies that will be used for contact and contactless firmware and payment systems as part of the testing and certification process.

Visa ADVT, MasterCard TIP - M-TIP & MasterCard TIP – InterOp

The kit includes & supports, ADVT cards set along with a booklet containing test card script details to execute VISA requirement for EMV-Contact cards.

Checking PG and POS compliance with MasterCard M/Chip program.

Checking terminal interoperability to specific MasterCard cards.

Visa CDET, VpTT, MasterCard TIP & MasterCard NIV

Test cards for Visa acquirer device compliance testing (contactless).

Test cards to validate compliance of PayPass M/Chip terminals with MasterCard PayPass TIP requirements.

Test cards to validate compliance of Magstripe terminals with MasterCard PayPass Magstripe & PayPass Magstripe Debit.

Certification of EMV Gateway

The EMV Payment server application has to be certified with the EMV ready devices, readers or Mobile POS, so as to enable them to process EMV transactions. Based on the host and device specification, our team writes the test plan, test cases for the required transaction set, protocol, configuration, and administration and support tools. Executes the test cases and certifies the device for the gateway. Also, the Certification team helps our customers in the certification of the applications with the Processors, Banks, 3rd Party Certification Authorities and the Card Associations. Provides certification support for acquiring online transactions i.e. both e-commerce and m-commerce. Our team has expertise is testing and certifying the Nexo standards such as Nexo Acquirer, Nexo Fast, Nexo Retail, and Nexo TMS.

Certification for Payment Processors

Our team has the expertise and help Processors to offer EMV transactional support and to get them certified with 3rd Party Networks, VISA, MC or any other schemes that the customer has partnered with; based on the network.

Certification for EMV Issuance

We have expertise in implementing EMV card personalization solution for Issuance. The team understands the specifications and helps in certifying the product/solution for contact, contactless issuance with respect to mobile and other physical issuance instruments.

To Know More About Us:

Visit: https://www.girmiti.com/certification.html

The transit industry is upgrading the payment infrastructure by embracing the latest technologies and deploying digital payments. AFCS, an integrated ticketing system, automates the ticketing at public transport networks like buses, metros, rails, etc., AFCS allows fast payment transactions and effective fare collection without much human intervention. It also provides merchants with a platform for better management.

AFCS involves multiple components that include Fare media, ticket vending machine, Fare gate, etc. We provide solutions to backend servers using which, one can configure, PTOs, Routes, Stops, Stations, Fare, Tickets, Passes, Devices, and Vehicles.

With proven payment experience, we help our clients in deploying AFC systems, where we develop software solutions for all the components and integrate them into one AFC system. Our solutions can support various fare media such as tokens, cards, and various technologies including NFC.

With AFC applications, commuters can purchase their tickets and recharge their tickets online. It accepts various payment methods like credit/debit cards, net baking, etc.,

Our solutions for AFC systems will allow no discrepancy that helps in accurate fare collection and prevents fraudulent actions.

 To know more,

Visit: https://www.girmiti.com/transit_AFCS.html

The POS and mobile terminal manufactures do provide their own Terminal Management Systems, but these can be used to only manage terminals manufactured and supported by them. Keeping this in mind, there would then be multiple Terminal Management Systems adding to the complexity to manage operationally.

Terminal manufacturers also provide a central Download Management System (DMS) to the Terminal owner to remotely download the App, AM, Data files and System/Application parameter values. Such a DMS may also support remote diagnostic features, depending on the terminal’s capabilities. The protocol and message formats for downloading the various files, parameters between the EDC Terminal and the DMS are mostly proprietary to the Terminal manufacturer.

Our team has expertise to develop TMS platform supports traditional POS and mobile POS, where our team brings the knowledge to build systems to support different types of traditional devices to down load application and in similar way for mPOS devices using android platforms. An integrated single point of entry system would oversee the Merchant, Terminal Management and interface with the manufacturer’s specific Terminal Management Systems. It eliminates the need for multiple entries of merchant data into download systems for different device and mobile manufactures. Such Terminal Management Systems can synchronize data in the Merchant Management System, download systems, improves data accuracy, and reduces help desk support costs with its single, user-friendly interface.

Girmiti Software has expertise in consulting, designing, and developing SDK platforms for terminal manufacturers and has expertise in developing EMV PoS applications for terminal manufacturing partners. We also help them in getting certified with acquirer and leverage expertise in porting the SDK to new versions and new platforms like Linux OS. Our experience extends to working on drivers, embedded devices through working closely with Hardware manufactures.

 Our expertise in areas of testing, scripting on devices, platforms to test, helps customer products to be certified and successfully complete UAT with 3rd party vendors.

 Our Team designed, developed and provided support for PoS applications on different terminal SDK platforms based on business requirements from different regional customers (APAC, EMEA, Canada, America).

 Our team carries domain expertise in designing, developing, implementing POS Applications, interfaces for Processors & Terminals.

 To know more-

Visit- https://www.girmiti.com/pos.html

Girmiti team has in-depth understanding, field experience in architecture, design, developing, testing, automating and supporting various facets of Nexo standards. We help our customers in developing the core platform, ensure compliance with Nexo specification standards, deploy and implement protocols for their partners along with customization, integration to third parties solutions and certifications.

Our team helps and works closely with our customers to understand the existing scope, current business scenarios, flows of the existing systems, to provide the consulting solutions to Build, Architect, Enhance Features, Design, Develop, Test, Automate, Deploy and UAT.

Our technology team brings the expertise in solutions and professional services to work in new generation modular architecture, micro services, cloud enabled, APIs, secured mechanism, token-based authentication, internationalization, two way SSL, Certificates, Securing Sensitive Data, OWASP and Database Encryption.

We bring deep knowledge and experience in Payment solutions support 24/7 driven by SLAs (for DevOps and SysOps functions), Maintaining and managing existing system for our customer and their partners.