|
|
The enStage payment platform -
ACCOSA. Developed to meet the stringent
needs of financial transactions processing,
ACCOSA is a highly secure, highly scalable
system that enables banks and other payment
service providers to rapidly deploy a number of
payment solutions. ACCOSA interfaces to a number
of payment networks thus enabling a bank to
offer a variety of payment options. ACCOSA can
operate standalone with complete consumer
enrollment and maintenance capabilities thus
eliminating the need for complex integration
with existing systems. The diagram below
illustrates the ACCOSA platform and payment
solutions.
ACCOSA is built as a flexible, modular, and
business driven solution providing the ability
to add new and innovative products
rapidly. This is demonstrated by the many
products that are supported on the ACCOSA
platform. Key characteristics are as
follows.
- Widely available - supports
multiple payment channels: POS, online, mobile
- Flexible - supports
multiple sources of funds; multiple payment
methods
- Secure – Card association
certified software and processing
- Multiple applications –
Solutions for Retail, Corporate, Person-Person
payments
- Highly Customizable –
customized products, customized business rules
- Extensive reporting and audit
trail – Online customer services,
dispute resolution, customer
e-statements
- State-of-art technology and
infrastructure – Scalable technologies,
highly secure infrastructure
- Authentication, Authorization and
Settlement across card networks,
Internet Banking, Fund transfer
networks
- Supports multi-tiered service
offerings – direct retail, via
affiliates, private-labeled services, through
corporations
ACCOSA supports both card based solutions and
fund transfer solutions that financial
institutions can deploy with minimal effort and
investment. enStage offered products and
services include:
Card Security
Solutions: Visa and MasterCard
certified payer authentication solutions:
- Verified by Visa
- MasterCard SecureCode
- Merchant side offerings - MPI and Payment
Gateway.
Prepaid Card
Solutions: ACCOSA offers a
full range of prepaid card solutions
- Electronic (Virtual) Card Solutions – e.g.,
Single-Use Cards, Gift Cards
- Prepaid Plastic Card Solutions – e.g.,
Travel Cards, Gift Cards, Payroll Cards
- Store Cards – e.g., Store Discount and
Loyalty Cards
Fund Transfer
Solutions: For an
end consumer, fund transfer capabilities
include
- Visa Money Transfer
- Mobile Person to Person Payments
- Email Person to Person Payments
- Remittance Solutions
|
| | | | |
