A unique method to use mobile payment in retail

In-store

Trusted Payment takes this system to another level

Our company and Migros Bank have integrated our technologies into an app from Migros, the largest retailer in Switzerland.

Coupled with loyalty systems and the existing advertising app, it boasts more than just another payment method.

The Migros businesses have created a unique ecosystem with wide-reaching impact on the retail banking industry.

Trusted Payment takes this system to another level

Our company and Migros Bank have integrated our technologies into an app from Migros, the largest retailer in Switzerland.

Coupled with loyalty systems and the existing advertising app, it boasts more than just another payment method.

The Migros businesses have created a unique ecosystem with wide-reaching impact on the retail banking industry.

Pay online using your unique bank ID

Online

If you are a bank, there is also the possibility of integrating your business into e-commerce payment processes, in addition to 3D Secure. For this purpose for instance, Migros Bank can authorize payments using our Trusted Payment interfaces within your app.

All you have to do is enter an e-pay number in the online store, which will initiate a payment authorization and prompt the user to approve the payment authorization.

If you are a bank, there is also the possibility of integrating your business into e-commerce payment processes, in addition to 3D Secure. For this purpose for instance, Migros Bank can authorize payments using our Trusted Payment interfaces within your app.

All you have to do is enter an e-pay number in the online store, which will initiate a payment authorization and prompt the user to approve the payment authorization.

What is PSD2?

The Payment Services Directive[1] (PSD, Payment Services Directive 2007/64/EC, replaced by PSD2, second Payment Services Directive (EU) 2015/2366) is an EU Directive of the European Commission isued under Payment Services Law for the regulation of payment services and payment service providers throughout the European Union (EU) and the European Economic Area (EEA). The aim of the directive has been, and continues to be, to foster competition across Europe and to increase participation in the payment industry, including that of non-banks, and to create a level playing field by harmonizing consumer protection and the rights and obligations of payment service providers and users.

Approval of credit card payments as part of your banking app

3D Secure

Many methods to secure payment authorization in e-commerce are based on SMS, static passwords, or require the use of another app.

With Trusted Payment, we enable integration of 3D Secure into your existing apps, providing a high level of convenience for payment authorization.

Many methods to secure payment authorization in e-commerce are based on SMS, static passwords, or require the use of another app.

With Trusted Payment, we enable integration of 3D Secure into your existing apps, providing a high level of convenience for payment authorization.

About 3D Secure

3-D Secure is a process for providing additional security in online credit card transactions. It was developed by the Visa credit card organisation and is used for the Verified by Visa service. A similar service is being offered under the names Identity Check (SecureCode), J/Secure or SafeKey by Mastercard, JCB and American Express The purpose of 3-D Secure is to reduce the risk of fraudulent use and missed payments. In addition, store operators using 3-D Secure are guaranteed to receive payment.

Transfer money abroad easily, securely and quickly

Remittance

Want to transfer money abroad? Our KOBIL Trusted Payment technology platform makes this an easy task. We transfer payrments overseas on the basis of the DUAL 7 LAYERS OF SECURITY principle wiith predictable dependability. We offer simple and fast payment options via different banks, exploiting the range of options under the PSD2 regulatory framework.

Want to transfer money abroad? Our KOBIL Trusted Payment technology platform makes this an easy task. We transfer payrments overseas on the basis of the DUAL 7 LAYERS OF SECURITY principle wiith predictable dependability. We offer simple and fast payment options via different banks, exploiting the range of options under the PSD2 regulatory framework.

DUAL 7 Layers of Security

Server checks the client, the Client checks the server

Secure Device
  • Security Status of Device
  • Detect OS
  • Malware
  • Device Binding
  • Rooting & Jailbreaks
Secure App & Web
  • Detect Code Injection
  • Manipulation
  • App Integrity
  • Signature
  • Whitelisting
  • Certificate PIN
  • SSL Hooking
Digitanium Channel
  • Own SSL/TLS Implementation
  • Independent
  • Own Trust Store
Smart Security Management Server
  • App
  • Device
  • Identity
  • Certificates (TC)
  • Signature Verification
Virtual Smart Card
  • Independent Key Stores
  • Unlocking Only By Security Server
  • Encapsulated Private Key
Trusted Identity
  • A focus on identity is an integral part of the process.
Digital Signature
  • Private/Public Key Principle
  • Signature-based Interaction
One Technology for all platforms:
Comply with the regulatory:
  • eIDAS
  • GDPR
  • PSD2

Technology

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