iPayStation Nucleus: Platform Services for ISO and Enterprise Retailers

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Nucleus is a modular multipurpose, PCI-certified platform enabling merchants to provide a personalized, rich experience for their customers with integrated CRM and Rewards solutions on both credit and gift cards.

The platform is designed as SAAS (Software as a Service) enabling merchants to pick and choose specific features to suit their corporate strategy.

This “Pay as you Grow” platform enables merchants to reduce operational costs and avoid huge upfront investments in payment solutions.

The Nucleus platform is pre-integrated into a majority of POS devices, shopping carts and processors worldwide, making the deployment and integration extremely efficient.

The platform also provides multicurrency, mobile payments, IVR Self Service Solutions, Virtual terminal and WebServices for third party integration as part of the platform providing several avenues to accept payments.

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iPayStation Nucleus: Platform Services for ISO and Enterprise Retailers

  1. 1. • Introduction • Nucleus Overview • Technology • Deployment
  2. 2. Introduction: iPayStation provides services and solutions related to electronic transactions in Retail, Payment, Banking and Logistics. iPayStation Services iPayStation Platforms Application Services Information Management The iPayStation Network Architecture Services Infrastructure Services iPayStation Nucleus QA Services BPO Services iPayStation M-Commerce
  3. 3. • Nucleus is a one-stop PCI-DSS compliant solution • Blend of technology and business proficiency to increase sales • Processes wide variety of card types: credit, debit, gift, loyalty, reward, prepaid, wireless, and more • Authorizes and tracks card payments securely, within seconds
  4. 4. • Helps merchants drive CRM; staying on top of their business • Provides customized reports; assists merchants in apt decisions • Supports Real-time and Offline Loyalty programs • Mobilizes merchant’s customer base • Robust architecture for easy bolt-on applications as desired
  5. 5. T STRATEGY & IT CONSULTING O T A INTEGRATED SYSTEMS INTEGRATION L ROADMAP Business ENTERPRISE APPLICATION INTEGRATION VERTICAL PRESENCE Process O Host Based U Reengineering Nucleus RELATED SERVICES T Retail App NGift NCRM NCart NRetail S Enterprise O QSR POS Architecture CUSTOM APPLICATION DEVELOPMENT U Definition R E-Commerce Design Develop Test Deploy C PCI SQA I N Insurance & Healthcare BUSINESS PROCESS MANAGEMENT G Lodging S O Petro Industry Specific Processes Cross-industry Processes L U IT OUTSOURCING T I REENGINEERING AND MAINTENANCE O N
  6. 6. • Loyalty: • Rule Engine based Loyalty module • Easy to configure and use • Can be combined with marketing campaigns • CRM: SMS, MMS & Email campaigns linked to payments • Mobile: Consumer App, Store Locator, SKU information • Real-time information may be accessed via web & mobile phone
  7. 7. • Analytics to help determine success of marketing campaigns • Measurable results can help improve marketing campaigns • Remove stores from PCI compliance equation • Global connectivity across Processors providing seamless view of transactions
  8. 8. • Coordinated Media Delivery: • Mobile (SMS, MMS, mWidgets), • Email • POS (marketing ads on POS and receipts) • Social Networking portals • Moment of Decision: • Influence decision making; gift-card, mobile, POS • Relevant Data • Informed actionable intelligence
  9. 9. • Seamless Integration Globally • Consumer Reach – Selective and Targeted • SaaS (Software as a Service) predicates fixed monthly costs • Provides Alternative Payment Technology: NFC, Mobile, Fingerprint
  10. 10. Delivery of targeted coupons/reward status to members • Rewards may be based on: • Card Type • Frequency • Peak / Non-peak • Cumulative Spend • Redemption may be in form of: • Points • $.$$ • Discounts • Coupons • SKU Items
  11. 11. Remote balance checking of loyalty status or gift card balance • Mobile: SMS and Mobile Apps/Widgets • Social Networking Portal: Popular or Branded Portal • Web Portal: Client’s or provisioned to client • Revenue Ads, special offers, and presentation opportunities
  12. 12. At POS • Offer/reward linked to identifier (gift, credit / debit, loyalty) • Every transaction checks against offer/reward • Database updated real-time to avoid multiple redemptions At Website (PC or Mobile) Benefits • No special coupons to track nor codes to enter at POS • Instant reward to customer • Higher customer satisfaction
  13. 13. • Targeted Point of Purchase Advertising • Every transaction presents advertising impression • Ads can be behavioral and demographically targeted • Extend and enhance in-store campaigns with take-away
  14. 14. •Centralized management tool for POS messaging • New Revenue Source • Measurable sales impact • Additional way of delivering Brand advertising
  15. 15. Nucleus addresses security and sensitive card holder information through the entire payment transaction process • Nucleus is PCI and PCI-DSS (PABP) certified globally • Ensuring sensitive data is available only in cryptic form • Network configuration and firewalls withstand all levels of scanning and penetration (aggressive intrusion) tests
  16. 16. Sensitive card holder and authentication data: • Encrypted and transmitted in a SSL 256 bit environment Nucleus supports AVS (Address Verification Service) • Helps reduce misuse of lost or stolen cards • Nucleus Security Module configured for Velocity Check, POS Authentication, Amount Checks, IP / Phone Checks • Nucleus supports token based authentication for e-wallet transactions
  17. 17. Process Credit & Debit Cards: • Amex • Chase Paymentech • Global Payments • Elavon • Little and Co. • Comdata • Revolution Money • ICICI • FDMS
  18. 18. 1 2 3 4 5 HeartBeat Ticket Checkout Authorize Approve Request Transaction POS Manager Flow Manager Receipt Idle Listener auto auto Manager auto auto Manager state Content Manger Techniques Checks Screen Prompts Tasks -SMS • Serial Port • Request Format • AVS • Communication Types - MMS • TCP/IP • Parity • Tip • Request Formatting - Video • Amount • Response Formatting • Industry Vertical • Card Swipe • Pin Entry • Confirmation
  19. 19. Business Reason: SAAS Module Convert Gift Cards To Loyalty Cards Store PCI Consumer Touch-points Loyalty Implementation eCommerce Integration CRM: SMS, MMS, E-Mail Cross Border Deployment POS Upgrade / Maintenance Outsource Non-Core Functions Switch Processor 24 x 7 Customer Service Reduce Processing Costs
  20. 20. Inception: POS Selection: Model / Types Alert Notifications Security Requirements PCI Approval Communication Marketing Campaigns Transaction Types Processor Certifications Settlements SKU Uploads Content Upgrade Setup User Setup Volume Processing Reporting Requirements
  21. 21. Deployment Setup: Pilot Planning Deployment Schedule Consumer, Store Feedback Geography Fine-tune Checkout Brands Reports Validation Division Refine Marketing Campaign Calendar Test Auto Downloads
  22. 22. Deployment Setup: Monthly Dashboard Review Continuous Process Improvement Trend Analysis Optimize Flows Processing Statistics Optimize Campaigns Fraud Checks Analytics Roadmap Review: Business Strategy Alignment
  23. 23. Bruce Burke bruce@ipaystation.com Director of Business Development iPayStation www.ipaystation.com 6262 142nd Avenue N. Suite 201 Clearwater, FL 33760 Office: (978) 632-6798 x 157 Mobile: (727) 612-5775 Fax: (978) 632-7085

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