INPAS iPAY

iPAY - Bank technologies in local projects, a unique software application by INPAS

iPAY - software application for Java-cards works within EMV standards and is perfectly suited for different projects where local payment software application is required. 

Full description

The sphere of application for plastic cards in Russia and the neighbouring countries actively extends and is not limited to the traditional markets of bank payments. The tasks on automation of business processes, for example, registration of custom charges, start up of local payment systems in petrol and social projects, extension of applications list on the card become more popular.

In order to solve these kind of tasks INPAS Company suggests to use Java-application iPAY, the suggestion is based on experience and technologies successfully practiced at banking sector.

Safety standards and fraud proof

The iPAY application, produced in accordance with EMV standards provides secure transactions both in in-line and off-line mode, and each transaction is countersigned which allows to protect bank operations from fraud. With help of this application you can do the following:

• To carry out autentification operation, in other words to confirm authenticity to the payment terminal that card is authourised by issuer;
• To provide control mechanism for off-line auntentification procedure to the terminal;
• To check up the PIN-code of card holder in off-line mode;
• To provide the issuer possibility to check authenticity results of transaction with assistance of applied cryptogram, which is digital signature of more important parameters of transactions;
• To support consistency and confidentiality of information during data exchange between cards and payment terminal.

Fundamendal and/or optional application

The iPAY product made by INPAS works on any Global Platform-compatible Java cards. It gives iPAY the advantage to be not the only one application on a card, expanding, for example, the standard payment application, and also gives the opportunity to be downloaded remotely on a card through self-service equipment with assistance or INPAS Application Master system (remote change of card functionality). The product iPAY is the original software of INPAS Company, made using approaches stated in EMV standards, does not require certification in International Payment Systems.