GCP Software | MOBILE WALLET FOR EMI
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MOBILE WALLET FOR EMI

OFFERING FOR EMI AND PSP TO CAPTURE ARISING OPPORTUNITIES IN OPEN BANKING AND INSTANT PAYMENTS

GCP Software offers European electronic money institutions and payment service providers that wish to start their own e-wallet service a comprehensive ready-to-use electronic payment solution that enables you to launch your own branded product within a month.

Our white label solution saves you from having to create your own development team or seeking for outsourced software development resources.

You can choose any supporting model from very basic support and maintenance to dedicated Help Desk and to a subscription model with full outsourcing where you only run your business and leave everything else to us.

WHAT YOU WILL GET

PSD2 (Revised Payment Service Directive) is a game-changing regulation for retail banking and financial services market. In September 2019, PSD2 will drastically change the payments value chain, where banks are no longer only be competing against each other, but everyone offering financial services.

Our offer for EMI and PSP is fully PSD2 compliant enabling you to act as AISP, PISP, PIISP and ASPSP depending on your business context.

Our white-label offering includes the following out-of-the-box:

Components:

  • GCP Web application
  • GCP Mobile wallet
  • GCP Heimdall Omni-Channel Server
  • GCP Psi workflow and integration solution
  • GCP Psi payment and settlement system
  • GCP Core banking system

Payment networks and other integrations:

  • SWIFT
  • SEPA
  • Earthport integration
  • Ripple integration
  • Compliance with European PSD2 directive to allow TPP (third party payment service providers) to request information to GCP Back Office and initiate transactions in GCP Back Office
  • Card management system integration

We`ve already implemented a wide range of integrations with most popular card management systems in different countries worldwide based on different protocols (BPC Smart Vista, First Data, Tieto Transmaster, ISO 8583 etc). If you need integration at your choice, rest assured our team will promptly implement it.

Functionality:

  • Retail, SME and Corporate segments with different functionality and electronic multi-signature capabilities
  • Payments and transfers
  • Utility bill payments
  • FX trading
  • Anti Money Laundering functionality
  • Limits and fees configuration (subscription, per transaction)
  • Engage module (targeted campaigns, flexible segmentation)
  • Loyalty module
  • In-app notifications
  • Batch payments load
  • Secure correspondence within the system

Security:

  • TLS v1.2 for secure encryption between client and server
  • AES256/CBC for mobile device local data encryption
  • ECDSA digital signature for fingerprint- and PIN-based authentication
  • SRP-6a user authentication for eliminating man-in-the-middle attacks
  • Built-in Token Management system
  • Flexible settings for authentication levels and transactions confirmation
  • Authentication and confirmation methods:
    • SRP-6a password
    • E-Tan OTP (cryptographic code generated based on details of a specific transaction)
    • PIN
    • biometry
    • electronic signature
  • Device management
  • Maker-checker support for internal users

Environments:

  • Testing
  • Integration
  • Pre-Prod
  • Prod

 

Deployment models

  • SaaS
  • On-Premises