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Arbitas  Processing Center – an unique payment platform.

Arbitas Processing Center – an unique payment platform.

Arbitas  Processing Center can be used to receive payments in the bank, run a payment system or just accept payments via different software and hardware tools.
 

Purpose

 
  • Creation of electronic payment system.
  • Processing for your own payment acceptance network and your sub-agencies one
  • Payment acceptance using a variety of tools such as terminals, cash registers, and ATMs
  • Expanding a bank’s retail presence by installing payment terminals
  • Creating a new payment system in another country
 

Features

 

Agents

  • Creating and managing agents;
  • Creating and managing sub-agents;
  • Blocking/unblocking agents;
  • Setting up agent properties;

Users

  • Creating and managing users;
  • Setting up user authentication rules (username, certificate, e-token, certificate + password);
  • Setting up user roles (cashier, call-center, accountant, administrator, agent, technician, cash collector, random roles)

Providers and services

  • Creating and configuring provider services;
  • Setting up financial relationships with providers;
  • Setting up information exchange (protocol, exchange registers);
  • Setting up payment rules;
  • Setting up payment processing errors and scenarios;
  • Setting up handlers;
 

Business rules

  • Creating complex commission rules (range of payment made, interest rate, fixed rate, others properties);
  • Creating complex payment scenarios (multi-level branching, online queries, offline payments, etc.);
  • Black and white lists;
  • Setting up payment errors;
  • Setting up pre-paid products;
  • Setting up roundings;
  • Setting up monetary units;
  • Setting up provider profiles;
  • Setting up system parameters;

Accounting

  • Managing agent's accounts;
  • Granting of overdraft to an agent, calculating commission;
  • Granting of overdraft from the provider, calculating commission;
  • Managing account balances of agents and providers;
  • Viewing of cash turnovers on private accounts;
  • Calculating agent bonus;
  • Calculating provider profits;
  • Payments to providers;
  • Request for reports from the provider;
  • Bank statements;
  • Calculating the cost-effectiveness of sales outlets;
  • Obtaining information about availability of cash in terminals;
  • Cash collection from terminals;
  • Accrual of bonuses on agent's account (online, offline, random mode);
 

Financial monitoring

  • Monitoring of payments and their statuses;
  • Monitoring of prepaid products sold;
  • Monitoring of the cards;
  • Monitoring of payments queue;
  • Routing payments management;
  • Monitoring of provider's account balance;

Technical monitoring

  • Equipment condition;
  • Detailed equipment condition (bill acceptor, coin acceptor, printer, modem, etc.);
  • Monitoring of agent workplace and mobile clients;
  • Monitoring of technical events;
  • Remote terminals management;
  • Remote updating of terminals software;
  • Customization of alerts  (events and types of delivery);
  • Configuring event rules;
  • Monitoring of sim-card balance (if GPRS modem used in the terminal);
  • Automatic replenishment of SIM-card;
  • Setting up VPN connections with the terminals;
 

Contents of the software package

 
  • Automated payment processing
  • Configurator of organizational structure and business rules
  • Server for monitoring, management and processing of terminal network payment
  • Banking module (working with payment cards and dispensers)
  • Gateway modules for service providers
  • Modules for advertising and promotions on the terminal
  • Software for terminals
  • Software for accepting payments via personal computers
  • Software for accepting payments via mobile phones (j2me application)
  • Software for PDAs
  • Program for monitoring a terminal network with a mobile phone (j2me application)
 

Tools

 

Terminal software

  • Ability to run both a Windows-based and a Linux-based terminal software. An installer for OS Windows and own distribution kit for OS Linux with preinstalled CentOs Linux-based terminal software
  • Easy configuration of terminal software. Intuitive configurator with equipment scanning utility
  • Support for a wide range of equipment. Integration of new equipment within the shortest possible period of time. Minimum system requirements for the terminal hardware
  • Remote upgrade procedure. The terminal software automatically updates itself from the server
  • Monitoring of terminals using a cell phone, PDA, and Internet browser. Customizable alerts about hardware malfunctions in the terminals (SMS, ICQ, E-Mail, Jabber). Sending commands to the terminals.
  • Payment acceptance for a large number of service providers: mobile, TV, Internet, e-wallets, hosting, cosmetics, gas station cards, utilities, traffic police fines, state duties, bailiffs, and many other service providers
  • A universal system for creating complex payment scenarios: online/offline verification of details entered, display of client's information, display of debt amount, online/offline payment, and use of a barcode scanner
 

Cash register software

  • Low internet traffic consumption
  • Re-printing of checks and printing of cancellation checks
  • Configurable hotkeys
  • Verification of cell phone numbers by capacities
  • Auto detection of an operator
  • Different payment scenarios: online/offline verification of details entered, display of client's information, display of debt amount, online/offline payment
  • Flexible configuration of commissions
  • Management of the menu structure and commissions from the user account
  • Payment cancellation
  • Printing of receipts through the operating system driver
  • Use of popular models of cash registers
  • Printing of fiscal documents for any purchases
  • Closure of banking day
  • Printing of PD-4 receipts
 

Resilience

 
 
Arbitas processing center was designed to ensure high performance and fault tolerance of the payment system
  • Possibility of running multiple application servers with session replication
  • Possibility of duplicating servers for payment terminals and possibility of load balancing
  • Possibility of duplicating communication channels by connecting them to different Internet service providers
  • Possibility of creating a failure-safe cluster. Database mirroring capability.
  • Data partitioning. Database structure was designed for heavy loads.
  • Breakdown of accumulated payments by months allows for a significant reduction in the load on the server when creating reports and sampling data
  • Preliminary data aggregation. Data for the construction of a number of reports are stored already in a summarized form. The volume of entries in these tables is up to 100 times smaller than in operating payment tables. This ensures a manifold increase in the speed of creating reports and reduces the load on the server hardware. As a result, a much greater scalability of the processing center is achieved
  • Minimum operating table data. The structure of tables was designed for large volume of stored data. This contributes to a lower input/output of disk subsystem, reduces the workload, and improves scalability and performance
  • High-speed operation with terminals. When adding a payment, only the entering of that payment into the database is executed. No other queries are executed
 

Security

 

User account security

  • User authentication in the user account both by password and by personal certificate
  • Storage of certificates on electronic USB keys (eToken)
  • Use of virtual keyboard to enter password
  • Limit of user login by IP address and by working time
  • Additional user login confirmation by code sent by SMS (two-factor authentication)

Terminal security

  • Communication with the server via an encrypted HTTPS channel
  • Terminal authentication on the server using a digital signature (SHA1 + RSA), which is present in every request of the terminal
  • Possibility of setting daily limits for terminals
  • Storage of terminal equipment code on the server in order to avoid theft of terminal keys
  • Fraud monitoring system adjustable in the user account for fraudulent payments on all payment-accepting devices
 

Benefits

 
  • More than 30 successful commercial deployments
  • Full integration of payment solutions
  • Presence all over the world: Russia, CIS, Europe, Asia, and Latin America
  • Easy adaptation to a different country. Launching of turnkey project takes from two weeks to two months
  • 95% of suppliers can be connected within one hour to three days using a universal integration tool
  • Possibility of reworking or redesigning part of the complex to meet the customer's needs
  • Cross platform. The operating system on the server, terminal or cashier's workplace is chosen directly by the customer
  • Openness of the system. Easy integration of external sales channels via an open XML protocol by the customer himself
  • High performance and scalability. Payment acceptance networks consisting of thousands of points can be serviced
  • Wide range of hardware supported by the terminal software
  • Remote management of the entire payment acceptance network from your private account
 

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