Cashless payment system PAIMA
Cashless payment system PAIMA is dedicated for payment by contact less card.
System is based on electronic purse, placed on the contact less card, ready for direct payment of small amounts without confirming the account status.
Cashless payment system PAIMA is dedicated for payment by contact less card. System is based on electronic purse, placed on the contact less card, ready for direct payment of small amounts without confirming the account status.
The system is based on the central server with database of users, card and accounts. Server is equipped with open communication interface that enables the interconnection of different devices for transaction performing. Currently these two types are available. There are payment terminals and vending machine units.
The payment terminals are dedicated for merchant in shops or for supermarkets with POS. Terminal can be connected with POS with serial interface. The terminals perform following transactions: payment, card or account charge by cash, card charge from account, goods refund, account status information and information about the card value.
Vending machine units are dedicated for self-service in vending machines. The units operate autonomously and users can perform transactions up the card amount.
The transactions clearing are performed continuously or i batch once a day.
Communication between the terminals and the server is based on TCP/IP protocol. The transaction devices are equipped with black list that ensures the dismissing of invalid cards autonomously without referring to the server. The blacklist memory capacity is 1000 cards.
The system security is priority. The cards are based on DESFire technology. This technology ensures the high level of security. The transaction devices are equipped with security modules SAMs. These modules verify the validity of card electronic purse and enable the transaction performance. The transaction card charge is additionally secured by communication with the server and can be performed only on payment terminal.
The system management is divided into three levels according the role of the person in the system. These are administrators, merchants and users. Administrators have got the acces for the whole system, but the access rights can be scaled according their responsibility. Administrator enters the users, merchants, cards and accounts into the system and sets the parameters. On the other way he obtains the statistics about system performance.
Users have got access to their accounts. They can list their transactions and check the account value. The access to the account can be secured by smart card with a certificate.
The third group of people is merchants. They can supervise the dedicated terminals. The access to this service can be paid.
The system management is done through a web browser.
The all activities are logged and can be backwards audited.
System is equipped with interface for automated data exchange with bank institutions. So the users can charge their accounts by money orders.
- operating system Windows XP, Vista, Windows 7, Windows Server 2003
- database MS SQL
- server / terminal TCP/IP
- POS / terminal RS 232
This project was done with financial support of state budget by Ministry of Industry and Trade.