EMV Kernel Mobile

"YALKO" LLC Company offers the project which allows to provide customer service over international plastic cards according to EMV specifications through the Internet. serve the international plastic cards through the Internet according to standard EMV.

The "Web Terminal" purpose is:

Granting alternative 3-D Secure technologies of a way of payment through the Internet.

Simplification of service of transactions smart-cards EMV through the Internet

Increase in quantity of EMV smart-cards transactions through the Internet.

Differences from existing decisions:

Absence on the removed computer of the software certificated in EMVCo.

In comparison with “3-D Secure” technology, transaction is really carried out over smart-card and according to EMV specification.

The responsibility on frauds is shifted from the bank to the international payment system.

In unlike “3-D Secure” technologies, there is not necessity to specify a card number, a name of the owner, expiration date and a verifying code of a card, from the keyboard.

In comparison with “3-D Secure” technology, eliminates the psychological barrier about demanding input of the confidential information on a card and about the client in windows of a browser.

All software and the user interface, (a choice of currency, accounts, the sums, type of transaction...) is lying on a acquirer server.

The Web Terminal allows:

To connect cash dispenses and self-service mushiness through the Internet.

To serve physical persons having the Internet and smart-card reader.

Features of connection:

Web Terminal, it is a computer (server) which is placed in acquirer or other entrusted legal company.

Web Terminal is connected to processing center as usual POS terminal or ATM.

On one computer it is possible to establish and connect necessary quantity of terminals to processing center.

The quantity of terminals is limited only by opportunities of a computer and a liaison channel with processing center.

Differences from usual POS terminal:

The smart-card reader is connected to the terminal through the Internet on the channel protected over SSL.

The user interface (a choice of currency, the account, the sum, type of transaction...) it is formed on a server.

The user interface is transferred the terminal or the client during performance of transaction through the Internet on the channel protected over SSL.

Advantages:

The low cost price.

Allows solving problem of service of smart-cards under standard EMV through the Internet.

Simplifies performance the Internet of transactions in comparison with “3-D Secure” technology as there is no necessity to enter number of a card, a name of the owner, validity and a verifying code of a card, from the keyboard.

The user interface, (a choice of currency, accounts, the sums, type of transaction...) it is formed on a server.

Support, change and service become simpler.

Use of one general software server for all terminals raises reliability (today the software still established on each removed computer).

Does payments through the Internet by more safe.

Increases a appeal of Internet of payments because the additional way of performance of payments is offered.

Increases of quantity of payments through the Internet.