Card payments Android application


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The part of the time and materials application that is responsible for card payment processing acts like an adapter between PED and Payment Gateway, converting the PED messages in proprietary format to ISO 8583 format that is used by Payment Gateway, and vice versa. The development of generic PED interface unifies and simplifies new device support and also allows easy PED interchange.

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Card payments Android application

  1. 1. ©2012 by EliNext GroupCard Payments with Time &Materials Android ApplicationIntroductionTime and Materials application for Androidtablet is a mobile point of sale (POS)application. It is a part of a complex paymentsolution which has the following components:1. Time and Materials application running onan Android tablet;2. PIN Entering Device (PED);3. Payment gateway;4. Accounting server.
  2. 2. ©2012 by EliNext GroupCard payment processIn this article I will describe the implementation ofthe card payment process in the Time and Materialsapplication. PED, ATM and Payment Gateway takepart in this card payment.The payment processconsists of the following steps:1. Time and Materials application sends initialpayment request to PED.2. PED reads the card and the user PIN input,and sends this information to ATM.3. The PED communication module extracts therequired information pieces (EMV or magnetic card,card number, PIN block, EMV tags, etc.) from thePED-specific message and uses them to construct apayment request message in ISO 8583 format.j8583 library is used for ISO8583 message
  3. 3. ©2012 by EliNext Groupgeneration / parsing. The payment request messageis then sent to the payment gateway.4. The payment gateway processes themessage, communicates with bank network andsends a response message to ATM containing theinformation whether the transaction was approvedand optional EMV tags.5. ATM parses the gateway response messageand sends the approval status and optional EMV tagsback to the PED.The requirement was to have the ability to supportdifferent PEDs, so a generic PED interface wasdeveloped and used in the application’s PEDcommunication logic. This approach makes specificPED support implementation easier, allows different
  4. 4. ©2012 by EliNext GroupPED connection options (currently Bluetooth andUSB), and also makes PED change transparent to theapplication. Currently supported PEDs are:1. PED Simulator – in early stages ofdevelopment we had no PED, so a PED Simulatorapplication was developed to simulate basicoperations with magnetic cards, such as swipe card,approve the amount and enter PIN number. It runson Android smartphones and uses Bluetooth forcommunication with T&M.2. SP30 – supports magnetic stripe and EMVcards, uses RS232 port for communication. A USB-to-serial adapter is used to connect this device to theAndroid tablet.3. MPED400 – a more up to date device withmagnetic stripe and EMV card support. It can
  5. 5. ©2012 by EliNext Groupconnect via Bluetooth or serial port.ConclusionThe part of the time and materials application that isresponsible for card payment processing acts like anadapter between PED and Payment Gateway,converting the PED messages in proprietary formatto ISO 8583 format that is used by PaymentGateway, and vice versa. The development of genericPED interface unifies and simplifies new devicesupport and also allows easy PED interchange. Figure1 provides a simplified graphical representation ofthe architecture. Figure 2 demonstrates the paymentprocess.
  6. 6. ©2012 by EliNext GroupFigure 1: Application architectureFigure 2: Card payment process
  7. 7. ©2012 by EliNext GroupIndustries and Technology Areas:Industries: payment card industryTechnology Areas: digital payment technologies,Time and Materials application, PIN Entering Device(PED), ATM, software development, Android
  8. 8. ©2012 by EliNext GroupELINEXT GROUPWebsite: http://www.elinext.comEmail: info@elinext.comBlog: http://software-topics.comFacebook: officeMarina House, Adelphi QuayWaterford, Republic of IrelandPhone: +353 (51) 347 477Belarus Development Center155b Bogdanovich St.220040 Minsk, BelarusPhone: +375 (17) 237 53 65Vietnam Development Center37A Phan Xich Long St.Ward 3, Phu Nhuan DistrictHo Chi Minh City, VietnamPhone: +84 (8) 3995 6849
  9. 9. ©2012 by EliNext GroupSuggested citation: EliNext Group.2012.“Card Payments with Time & Materials Android Application”<>