| Technology Used |
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| We employ technologies that are essential in establishing safe connectivity environment between the Host Application Server and transaction points. We have a team of skilled ICT professionals in our Group that are well trained and qualified in programming languages such as C/C++, .NET (C#, VB.net, ASP.net) and Java (JSP, Java Servlet Engine, Java Foundation Classes, Java on various platforms). |
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| Our applications are developed on Apache Tomcat Servlet Engine, an open source software platform to implement Java Servlet and Java Server Pages technologies. The Java Servlet and Java Server Pages specifications are developed under the Java Community Process. For web applications we use Java Server Pages technology which provides a simplified, fast way to create dynamic web content. Java Server Pages technology also enables rapid development of web-based applications that are server and platform-independent. For our database, we employ latest Microsoft SQL Server 2008 which is a relational model database server by Microsoft Corporation. The technologies we used in establishing secured Electronic Payment Solutions can be divided into two categories which are as follows: |
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| (i) |
Technology for security and identification; and |
| (ii) |
Technology that allow Host Application Server to communicate amongst themselves and the transaction points. |
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| For our Payment Services, in ensuring secure payment transactions from the Cardholders to the Host Application Server and back to the Merchants, we use EMV Cards. The Cards contain embedded microprocessors encoded with security credentials. These credentials are encrypted by encryption algorithms such as DES, Triple-DES and RSA. These security features prevent card cloning and impervious to access by unauthorised parties, one of the common ways magnetic stripe cards are compromised and used for fraudulent activity. |
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| We employ the standard ISO8583 as our language format which is a standardised communication language to be used in the financial systems. The ISO8583 messages are encrypted with Triple-DES. It also defines system-to-system messages for secure key exchanges, reconciliation of totals, and other administrative purposes. |
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| These applications are among the most commonly used by our Group. However, other proprietary and commercially available software tools and programs are also utilised when needed. |
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| In ensuring smooth communication channeling within the network, we had developed several in-house middleware technology solutions that connects the EDCPOS Terminals and non-terminals interface with the Host Application Server. In the event if there are differences in the messaging formats, our middleware application solutions are able to decipher and translate the information transacted. Also, our middleware applications offer interoperability between different operating systems. Examples of our middleware applications are: |
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| (i) |
ISO Manager: An ISO8583 Payment Gateway Solution which has pluggable components that integrate third party business applications with Financial Institutions' banking applications ; and. |
| (ii) |
POS Connect: A payment solution that is integrated into a third party point of sales system |
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