Products

Terminal Manager

Konnect is the Terminal Management platform which manages all terminals in the Bank's network.


Key Features :


It can manage terminals across manufacturers. It supports terminals firmware download. It does payment download. It can push parameter file and logos on to the devices. A group of terminals can be created. Konnect generates the activation code and sent to the merchant via sms or email. Merchant can key in the activation code and start the operation. It does heart beat and health monitoring of all terminals.

Konnect comes with dashboard where a merchant or bank can see all their terminals and the status. They can see terminals have been updated for latest firmware or application. Gone are the days when staff have to visit each merchant location to push the latest payment app update.

Pay using Tokens

Token Pay is HCE based NFC payment solution which supports online and offline transaction as a NFC POS device. It enables all card types - from branched to co-branched to private label to debit cards.

It is based in Visa and Master Card Cloud based contactless specification. It uses an Alternate PAN or Token instead of the original PAN. The solution can be integrated into any existing Wallet platform.




There are two components to the solution :


  • Mobile Payment Application (MPA) on the mobile device and is a combination of UI and HCE SDk
  • Cloud based server component secured by HSM for storing, provisioning, handling cards, keys, transaction processing, fraud protection and crypto validation.

The MPA is supproted for all Android enabled phones upwards of version kitkat 4.4.

How does it work ?

After initialization and activation process, customer scans his/her card, enters expiry date and adds the card into the Android phone. The card data gets validated at the Issuer end and the server component requests Visa/MC who are the Token Issuers for tokens against this card. 3 to 5 tokens are issued by the CMS component in the server and pushed into the phone securely.

When the customer taps his phone against the NFC reader, APDU commands are exchanged between the phone and the reader. Token details are passed on to the POS and the ISO packet is made and sent to the Acquirer. When the transaction data reaches the VISA/MC network it sends it to the Cloud server which de tokenizes and authorizes the transaction based on original card number. This platform enables payment transaction to happen in an online mode also since 3-5 tokens are stored inside the mobile device. The tokens get replenished when the customer comes online in a Internet zone again.

Payment Gateway


Tarang offers its Payment Gateway and Merchant On boarding platform for online businesses which want to accept Check out Page transactions. The PG also supports API based transactions and Mobile Payments.

The Merchant On-boarding is a web based portal which helps quick and easy on-boarding of merchants. They can choose what payment transactions they want to support and based on their volumes the transaction fees and commissions get configured.

The portal allows the Aggregator to configure the switches they support and the set of transactions. The portal has an excellent dashboard where the Bank and Merchant can see all their daily transaction as well as search for a specific period range. The portal has Reporting facility and the export of data to PDF or Excel file.

The Payment Gateway has some basic fraud checks built in the Gateway. An extensive range of fraud checks can be done through the Fraud Management System which is optional. The PG owner can offer Fraud Management to merchants who opt for it and pay for the same. Transaction velocity, geography checks can be configured at the level of an individual merchant or global level across all merchants.

SoftPOS

Tarang Software’s Phone Magic platform is also referred to as SoftPOS. This platform enables merchants to convert their Android phones into Card Acceptance devices.

Phone Magic consists of several components. These are:

  • Level 2 Kernels of Card schemes such as Visa/MC/AMEX/Discover/PURE
  • Mobile Payment App
  • White Box Cryptography for secure storage of encryption keys
  • Kernel security using code obfuscation techniques
  • Device Attestation and Monitoring
  • Middle Host
The device obfuscation tool performs the following checks:
  • Debugger detection
  • Check sum
  • Code obfuscation
  • Call hiding
  • Debug info
  • Class encryption
  • Root detection
  • Jail break detection
  • Renaming
  • Resource verification
  • Resource encryption
  • String encryption
Device Attestation is used as part of our abuse detection system to help determine whether our servers are interacting with our genuine app running on a genuine Android device.

CPoC application calls Safety Net Attestation API, it is an anti-abuse API that allows app developers to assess the Android device their app is running on. Our CPoC application performs the device Attestation in following scenarios
  • CPoC application initialization
  • Login
  • Periodically After successful login

Merchant ePayment Portal

MePP stands for Merchant ePayment Portal

MePP is a Portal for Banks and Merchants who process terminal transactions. It has Merchant view and Bank view of all transactions processed at the switch. It provides Dashboard and Reports and makes business easier MePP can monitor health of all terminals across all merchants. It has a Ticketing module which enables Merchants to get fast turnaround of their problems on the terminal.

What are the modules in MePP ?

Analytics:

You can analyze transactions of the last 6 months and see which card types are used more often. Merchants can analyze which transactions are failing and the reasons for the same. The break-down of incomplete transactions can be obtained and this can be arrested. Banks or Aggregators can see who are their top merchants and those who are nor performing. You can also see which terminals are not having transactions and shift them to more productive stores. You can see the service levels of the supplier for the issues faced by merchants.

Dashboard :

The Dashboard gives a real time view of transactions as and when they happen. Merchants can instantly view their transactions and their status. Admin can view transactions of all their merchants. Search criteria allows you to view transactions for any given period. You can view a specific transaction and get a digital receipt for the same. Transactions can be searched by card type, Bank and amount range. One can upload the transactions into a PDF, Excel or CSV file format.

Inventory :

This shows the Inventory of all terminals in the field for the Bank or Aggregator or Merchant. When terminals are sold to the Bank, a file gets generated by the Bank allocating the terminals to the Merchant. This file is uploaded into MePP and TID gets generated. Installation tickets can get generated automatically by this module and the Installation engineer gets informed. Activation code can also get generated automatically and can reach the merchant by sms or email. The merchant can key in this code and get the terminal live. This module can also add and edit new Bank and new Merchants into the system.

Ticketing :

This is a Help Desk system for merchants to get support for their terminals. The Merchant or the Help Desk staff can generate a ticket for a specific terminal using TID or Terminal serial number. They can indicate what type of issue they are facing and the city they are in. Based on the merchant standing the SLA priority gets decided which can be 12 or 24 or 48 hours. A detailed description of the issue faced and video/audio files can get uploaded with the ticket information. The Admin of the Help Desk allocates the Ticket based on issue description to a specific technician. The Ticket can be closed by Technician at a particular level or by the Admin staff.

Terminal Management System :

Terminal Management System: The TMS module manages all the terminals under the Bank or Aggregator. TMS checks the heart beat of the terminal at a specific time and flags of the status as Active / Inactive. TMS can activate or deactivate a specific terminal. TMS can group a number of terminals and create a campaign. TMS can push parameters to a Group of terminals. TMS also can push App updates.

Technician Mobile App:

This is a Mobile App for the field technician. He/she can view the tickets assigned to them, check the location of the merchant and address the priority tickets as per the SLA. The technician can also upload files or PDFs or images on their App.
Key Features:


REAL TIME :
All transaction in the portal are real time transaction from Terminals.


MODULAR :
The modules in this platform are independent & integrated.


INTEGRATED :
The platform can be easily integrated with other existing systems through API's.


MERCHANT FRIENDLY:
Merchants will be able to view the Transactions, Reconciliations of each terminal or group of terminals they own


SMART DASHBOARD:
Quick analytical view of overall transactions with instant summary -Merchant wise, Card scheme wise, active/inactive terminals, and more


MADA VALIDATED REPORTS:
All the reports are developed as per MADA requirement this includes daily reports, SLA reports, Installation reports and more


Wallet

How many times has it happened that your customers have liked your product or service but have walked away because they left their wallet at home or in the car? Well, Tarang now offers a solution which sits in the mobile phone and can make payments instantly.


How does it work?

An eWallet is a mobile solution which is used to make instant payments. Customers who have the Wallet, can send money to their friends, and also use it to make payments at retail outlets where wallets are accepted. Customers can top up their wallet through any of the preferred means - bank accounts, cards etc. and then use this for making payments seamlessly. You need not run to the ATM if you have run out of cash. Just take out your mobile phone and scan the QR code or enter the phone number and the payment gets completed.
Key Features :


  • A light mobile application which runs on both android and iOS
  • Finger print and retina authentication eKYC for self on-boarding of the customer
  • Wallet top up from credit card, debit card
  • Integration to other Wallets such as PayTM and Google Pay
  • Customized for Value added services such as - Utility bill payments, ticketing etc.
  • Can be used as Open loop or closed loop based on the requirement
  • Web portal for Bank, Customer and Merchant
  • Agency Banking is available and Agent App helps customers to open wallet account and send/receive money

Multi Acquirer Routing


Tarang Software’s Middleware is an innovative platform for the POS Acquiring business. It is also known as Middle Host.
The current implementations of POS terminals which do acquiring of card payments is a little clumsy due to the tight coupling between the devices and the switch. This approach creates a situation where the merchant does not have a choice of which Bank to use to process their transactions.
The Middleware platform comes between the terminals and the Bank switch. The Middleware accepts the payment transaction and can send it to any of several Banks depending on what algorithm is defined. The Merchant can opt for their transaction to go to the Switch with the lowest downtime or route it to the specific Bank whose rates are lower.
The POS payment App gets developed in a Multi Acquirer model where transactions get routed to different end points based on the intelligence built in.
The Middle Host is used in the SoftPOS architecture when SoftPOS terminals send their transactions to MADA. The transactions are sent to MADA via the Middle Host.
The Mobile App on the SoftPOS device sends transaction data to the Middleware server. The transactions can be in any format – JSN / ISO / NEXO.
The Middleware server has a Listener module configured to listen to SoftPOS transactions on Port 80. The transactions reach the Listener and are validated for TID/MID. The packet is decrypted by the Middleware server which takes the Key from the HSM.
The decrypted packet is then translated from NEXO or JSON to ISO which is the format that MADA expects. The packet is again encrypted with the new format and sent to MADA.
On the successful completion of the transaction, the success response is sent back to the device and the transaction data is saved in the TLM server.
If the SoftPOS device does a Refund or Void transaction, the same is processed in the same manner like a Sale.
Reconciliation is triggered from the TLM server since the data is stored in the DB.
The Middleware server is integrated with TMS II server. The encryption key is obtained from TMS II and sent to SoftPOS by the Middleware.