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Headquarters

For Payten Holding S.A. (previously Payten spółka z ograniczoną odpowiedzialnością sp.k.)

Branickiego 13

02-972 Warszawa

Tel.: +48 22 574 86 30

Fax: +48 22 574 86 90

Email: office@payten.com

Report a breach

Email: breaches_reporting@payten.com

Zgłaszanie naruszeń

Email: zglaszanie_naruszen@payten.com

Asseco SEE - Albania

St. “Rruga e Kavajës”, Park Construction B III

1024 Tirana, Albania

Tel.: +355 4 226 9320

info@asseco-see-ks.com

Payten Bosnia and Herzegovina

Džemala Bijedića 2

71000 Sarajevo

Tel.: +387 33 953 336

ba.office@payten.com

Asseco SEE Bulgaria

Tintyava 13B

1113 Sofia

Tel.: +359 2 952 60 69

info@asseco-see.bg

Payten Croatia

Ulica grada Vukovara 269d

10000 Zagreb

Tel.: +385 1 29 60 200

hr.info@payten.com

Sonet Czech Republic

Lužická 2093/9

616 00 Brno

Tel.: +420 543 423 540

sonet@sonet.cz

www.sonet.cz/en/

Payten Egypt

Concordia building, B2111 Smart Village

Cairo-Alexandria road, 6th of October

Giza, Egypt

Asseco SEE Kosovo

Lidhja e Pejes 177

10000 Prishtina

Tel.: +381 38 600 789

info@asseco-see-ks.com

Payten Macedonia

Naroden front 17

1000 Skopje

Tel.: +389 2 32 48 000

mk.info@payten.com

Payten Montenegro

Svetlane Kane Redevic 3

81000 Podgorica

Tel.: +382 20 651 951

cg_office@payten.com

Asseco SEE Poland

Al. Jerozolimskie 123

02-017 Warsaw

Tel.: +48 22 622 07 02

biuro-pl@asseco-see.com

Payten Romania

Frumoasa 30, 5th floor

010987 Bucharest

Tel.: +4021 2064500

rocontact@payten.com

Payten Serbia

Bulevar Mihaila Pupina 10b

11070 Belgrade

Tel.: +381 11 20 99 601

rs.contact@payten.com

Payten Slovenia

Litostrojska cesta 44c

1000 Ljubljana, Slovenia

Tel.: +386 1 620 52 80

info@asseco-see.si

Necomplus Spain

Avenida Doctor Jiménez Díaz, 19,

Planta I – Box I (Edificio Corfú)

03005 Alicante, España

Tel.: (+34) 966 262 400

www.necomplus.com

Payten Turkey

İTÜ Ayazağa Kampüsü Teknokent Arı 1

Maslak, Istanbul

Tel.: +90 553 313 54 90

tr.marcom@payten.com

Smarttek Yazılım Teknolojileri A.Ş.

Spine Tower Saat Sokak No:5 Kat:24 Maslak Sarıyer İstanbul

Tel.: +90 850 303 96 00

info@smarttekas.com.tr

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HCE

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Offer For Payment & Financial Institutions Mobile Payment
HCE
  • mPOS
  • HCE
  • Closed loop mobile payment

Introduction

Payment methods are evolving to become more and more convenient for cardholders from aspect of usability, availability and simplicity. One rather new concept introduces the usage of Mobile devices as a replacement for plastic payment cards owned by cardholders. Most recent MasterCard’s and VISA’s efforts brought out “Cloud based payments” specifications which elaborate a concept where keys are stored in the cloud and no physical equipment in the mobile device is required.

HCE Solution implements the mentioned specifications and provides our clients with a certified full scope HCE solution. Once the cardholder requests payment in the store, payment is performed simply by entering PIN to the Mobile payment application and by tapping a mobile device to the contactless POS reader terminal. CBP also specifies “In-app” payments by single click using a mobile application (DSRP protocol).

HCE Cloud based payments (CBP)

  • Cloud based payments stands for:
    • Storing surrogate (virtual) credit cards in the mobile device
    • Making contactless or digital secure remote payments with a mobile device
  • CBP participants:
    • Merchant – Business entity offering goods and services in physical stores or via online shops
    • Cardholder – Private or Legal person having agreement with one or more Issuers for using one or more payment cards for payments
    • Issuer – FI (Cardholder’s Bank) that issued a payment card, provides either in-house or hosted CBP solution to its cardholders
    • Acquirer – FI (Merchant’s Bank) that processes payment

 

HCE Cloud Based Payments Benefits

  • Benefits for Issuers:
    • Providing new attractive and independent payment services to clients
    • Advertising and communicating through mobile payment application
    • Using behavior analysis to push marketing promotions in the real time
    • No additional authentication methods required
  • Benefits for Cardholders:
    • Alternative and trendy way of exploiting payment cards
    • Simple use of mobile devices for payments
    • No need for carrying plastic cards
    • Offline payments available
  • Benefits for Merchants:
    • Increased usability of Payment cards
    • Increase in sales
    • No additional hardware or software installation required
  • Benefits for Acquirers:
    • Liability shift moves towards least EMV compliant party in payment chain
    • Providing better service to the merchants by providing opportunity to increase sales and decrease disputed transactions

HCE Solution

HCE is a full-scale solution supporting VISA and MasterCard Cloud based payments programs. It encompasses all components from Issuer’s side that need to participate for providing a complete CBP functionality.

HCE Solution is available as a licensed SW, Software as a service (SaaS) implementation or a combination of both depending on the customer requirements. 

 

Solution description

HCE Solution comprises of

  • back-end components: AES, CMS, TMS, CAS and Tokenization Service
  • front-end components: MPA libraries and CAA (Central Administration Application)

All components interoperate between themselves and with Issuer systems (Card management and Transaction processing systems) in order to provide three key functionalities to end users:

  • Cardholder can make payments with his Mobile Device instead of physical payment cards and it can be done even when the mobile device is offline
  • Issuer can control, supervise and manage these transactions at all times
  • Both processes above are conducted in highly secure manner regardless of challenges introduced by fast-growing and fast-changing world of mobile and digital industry

 

Payment methods

HCE can enable both, contactless payments and DSRP within single solution.

 

Contactless transaction overview

  • Tapping mobile to contactless POS terminal reader
  • POS collects data for authorization request
  • Processor sends authorization request towards Issuer through Payment network
  • Asseco HCE validates authorization requests and informs Issuer’s authorization system
  • Issuer processes authorization request
  • Transaction information may be sent to cardholder’s mobile application
  • Mobile application is managed by Asseco HCE for further CBP payments

DSRP transaction overview

  • Choosing MPA for payment at digital store visited through mobile device (mobile or internet online store)
  • Merchant’s digital store collects data for authorization request
  • Processor sends authorization request towards Issuer through Payment network
  • Asseco HCE validates authorization requests and informs Issuer’s authorization system
  • Issuer processes authorization request
  • Transaction information may be sent to cardholder’s mobile application

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  • mPOS
  • HCE
  • Closed loop mobile payment

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