Products

AurusPay ®

A Semi-Integrated Payment Solution

AurusPay ® - A Semi-Integrated Payment Solution

Managing the complexity of payments is a major challenge for most retailers today, especially as it relates to protecting against malware attacks, accepting new payment products (EMV and Apple Pay), and complying with new payment industry requirements.

AurusPay removes the burden of managing the complexity of payments. This “fifth generation” semi-integrated payment platform, manages the US EMV certifications, removes the “POS out of PCI scope” plus provides the feature and functionality required to enable an Omni-channel customer experience.

The AurusPay solution’s key product features are:

Payment Security - AurusShield ®

Impregnable Shield

PAYMENT SECURITY - AurusShield ®

AurusShield is recognized best in class payment security that takes the Point of Sale (POS) out of PCI scope. With our Patented technology (US Patent # 8543461 ) our security approach Aurus ‘s approach exceeds the current PCI standards

Are you concerned about the consequences of a card data breach? Are you anxious about keeping your store and corporate infrastructure current with the best in class security? Our patented technology takes POS out of PCI scope providing utmost security.

POS out of PCI Scope

Our patented technology: (US Patent # 8543461) takes the POS out of PCI Scope. It literally removes the card transaction from traditional POS and mPOS systems using our proprietary technology.

Tokenization

AurusPay enables the completion of transactions without the card data traversing through the store premise. The issuance of a time dependant token facilitates card-less transactions that reduces fraud and increases consumer assurance. Our tokenization can be leverage across any place the consumer elects to pay including mobile and e-commerce. This allows merchants to begin to identify customers across their entire enterprise to provide a more seamless set of payments.

Point to Point Encryption

AurusPay provides P2PE (point to point encryption) as part of its payment acquiring and transaction processing platform. We Our solution supports support 256 bit encryption utilize our own HSM infrastructure and inject payment devices with our proprietary keys to provide added security.AurusPay is also certified to support third-party processor P2PE encyrptions as well.

Payment Segmentation

Our patented technology: (US Patent # 8543461) completely isolates payments from the POS. Unlike other payment platforms, our system places a sophisticated layer of softwareintelligencein the Payment terminal placing sophisticate barriers to malware attacks.

PCI CERTIFICATIONS

AurusPay maintains the most current level of PCI industry certifications including PCI-DSS, PA-DSS and P2PE certifications. An independent whitepaper has also beenpublished our our Solution by Coalfire Solutions. Our certification details can be found on the PCI council and Visa and MasterCard websites. .

Fraud Prevention and Detection

AurusPay supports numerous fraud and risk management techniques as part of its fraud and loss prevention modules. These rules are easy to configure for corporate operational staff and provide them with the flexibility to prevent and detect fraud.

Negative Card Blocking: Rejects transactions from known fraudulent cards.

Cramming Protection: Prevents the misuse of credit card by limiting the number of transactions allowed from a given IP address.

Country Blocking: Filters transactions by the Internet domain associated with the customer's country code.

Prevent Duplicate Transactions: Tracks recent transactions to ensure that the same transaction is not authorized more than once and eliminates problems due to 'double clicking' the transaction submit button.

Threshold Amount: Sets up lower and upper transaction amount thresholds to restrict high risk transactions often used to test the validity of credit card numbers.

Transaction IP Velocity Filter: Isolates suspicious activity from a single source by identifying excessive transactions received from the same IP address.

EMV Payment Solutions

Acceptance Made Easy

EMV Payment Solutions

Starting in October 2015, most business were required to start accepting EMV credit and debit cards. Many businesses are still in the process of updating their Store Checkouts to accept these new chip cards. The process is complex, time consuming and a major capital investment. AurusPay reduces the complexity, accelerates the upgrade process and minimizes the investment investment to accept this new form of payment.

EMV Background

EMV stands for Europay, MasterCard and Visa, a global standard for the inter-operation of integrated circuit cards (“chipcards") and payment terminal capable for authenticating a credit and debit transaction. Today the standards for interoperability are now defined and managed EMVCo LLC. On the board are all the major card brands including American Express and Discover, JCB, and Chin Union Pay.

Where is EMV in use today

EMVco estimates that over 41% of the world’s cards and more than 71% of its terminals deployed outside the U.S. are today using the EMV standard. Visa, a prime mover in the US migration to EMV, states that the pace of EMV-adoption is accelerating globally, estimating that right now, 62% of transactions conducted across international borders involve a chip-enabled card used at a chip-enabled terminal.

EMV has been widely accepted in Europe in 99.9% of payment terminals Canada, South America, Africa, over 84% of all payment terminals. Terminals in Asia Pacific are rapidly increasing as well. The United States, The major countries currently not implemented are Japan, China and the US.

What Does US Adoption Mean to You.

The major card brands adoption of EMV by October 2015 for all POS systems except pay-at-the pump pay stations, which have until October 2017. It is estimated that by end 2015, when responsibility for card losses on mag stripe cards shifts to merchants, about 50 percent of the US cards in use will have EMV chips, leaving less opportunity for fraud.

As of October 2015, the merchant who cannot process a chip transaction will be held financially liable for any resulting card present counterfeit fraud losses. MasterCard defines the liability shift this as follows: “The party, either the issuer or merchant, who does not support EMV, assumes liability for counterfeit card transactions.

Merchants are investing in upgrading their POS systems to accept EMV. This investment will include the purchase of an payment terminal, changes in the store’s POS software, and related PCI compliance certification costs.

Let Aurus Manage the Complexity of EMV Acceptance

AurusPay has already enabled many merchants to accept US EMV credit and debit cards. Aurus is experience in helping retailers, restaurants and service orientated business adopt new forms of payment such as EMV while minimizing investments related to changing POS and store system software and the cost of related to PCI. AurusPay is already processing EMV in the US, Canada and In the US, Aurus is continuing to invest millions in providing a easy solution for merchants to migrate to EMV. Our payment platform, AurusPay will minimize any changes required to make to your store POS and systems in 2016 and in the future as the payment products evolve.

Payment Innovation

Payment Without Boundaries

Payment Innovation

As a business owner, are you eager to launch or revamp your services with optimal time frames ? Do you seek to have a better control and predict the cost of operations more accurately ? Our PaaS model provides for reduced capex and time to market and a predictable flat fee model.

Platform as a Service

Organizations strive for a technology platform across all consumer touch points to drive consumer affinity and promote brand loyalty. AurusPay provides options available to fit your business needs and deliver a high ROI with our PaaS offerings.

We provide options for co-branding, white-labeling of our platform to help you control your brand. For our enterprise clients, we also offer an Enterprise solution with a one-time licensing fee plus a modest annual maintenance fee.

Reduce Capex and Time to Market

The investment towards setting up and managing IT and Data Center infrastructure for an enterprise platform can be significant. Businesses can reduce and control their initial set up costs by utilizing AurusPay's PaaS offerings.

The reduction in initial and periodic capital expenditure for IT infrastructure is noteworthy and frees this budget for other strategic initiatives. The time to market to launch or revamp a service is also reduced.

Predictable Flat Fee Model

In today's dynamic business world, store deployments and on-boarding schedules can be spiky. With our model, it's very easy for a business or a POS and ISV firm to scale their merchant locations at their pace. They pay as they scale and are able to utilize our platform optimally.

With AurusPay PaaS you pay a fixed monthly fee per store location. There are no transaction fees or other hidden fees. Just one fixed fee. This provides predictability and complete transparency to the business to determine cost of operations, cash flow projections etc.

Controlling Operational Costs

The continual cost of maintaining POS systems for PCI compliance can add up. Enterprises can control operational costs associated with compliance by utilizing AurusPay's patented technology, which isolates the POS from PCI scope.

AurusPay is highly effective in controlling PCI compliance activity and upgrade management related costs at store and corporate levels. Independent studies for a retail chain have shown improved productivity benefits ranging upto $ 210/ store on an annual basis on account of reduction of POS maintenance tasks.

Enterprise Portal

Secure, Simple, Seamless Payments

ENTERPRISE MANAGEMENT TOOLS - STOREPLACE

The StorePlace portal becomes one place to manage payment acceptance across any place your customers pay. Accounting, store operations and loss prevention find StorePlace an efficient way to access all the payment information needed to analyze payment trends, reconcile payments, manage chargebacks and other customer issues while eliminate the need to gain access to sensitive card data.

Marketing efforts that are undertaken armed with comprehensive analytics help build consumer relationships, develop a brand image and create a special niche in this market. AurusPay provides a single snapshot view of the consumer activity across the channels. It unifies the data silos of consumer activity and databases across channels and provides actionable consumer analytics at the POI.

AurusPay's Mobile framework helps to create an insightful and comprehensive consumer profile which provides a tremendous boost to cross-selling and up-selling. It also spurs consumers to create their profile and participate in store reward programs.

Streamlining Back Office Operations

Business and Back office Operations are becoming increasingly complex and consume lot of effort and time. AurusPay has a built in workflow for payment device provisioning, monitoring, reconciling and updating management. It facilitates large scale deployments in a short span of time and in a planned manner.

AurusPay also supports seamless execution of site to store orders, in-store pick-ups etc. AurusPay's modular and open architecture bolts on to existing ERP systems and IT infrastructure. It simplifies back office operations for ramp ups, transitions and ongoing store operations.

QuickChip

The fastest way to pay with increased security

QuickChip

Aurus QChip™ is speeding up checkout lines at retailers by making paying with an EMV Chip Card much faster. With Aurus QChip™, shoppers dip and remove their chip card from the payment terminal in seconds without waiting for the transaction to complete. With this new innovation, Shoppers will find the same convenience they are use to experience in the magstripe card days but still have the value of increase security of the chip card. Aurus QChip™ can be automatically downloaded to any payment terminal connected to AurusPay platform making implementation fast and easy. Aurus QChip™ was developed in partnership with Visa’s innovation team and complies with the quick chip standards developed by American Express, Discover and MasterCard.

Aurus is a leader in deploying this solution Nationwide, including Puerto Rico, with over 7,600 stores now using this solution. Aurus has designed the solution to work seamlessly in virtually all retail verticals, including department stores, grocery, health and beauty shops, electronics retailers and quick-service restaurants.

Brookstone, a U.S. specialty retailer located in the nation's busiest airports as well as in major shopping malls and lifestyle centers implemented the Aurus QChip™ in time for the holiday shopping season. This new payment solution was automatically and seamlessly deployed by the AurusPay™ platform to over 200 stores. So now when Shoppers use their Visa or other chip card at it’s U.S. stores this holiday season they experience a faster transaction. Here’s a look at how Brookstone shoppers and Visa cardholders are benefitting from Aurus QChip™

Device & State Management

Engagement Redefined

Device & State Management

TransformMonitoring the health and security of your store’s payment network is critical to your business. From StorePlace, your help desk will be able to identify any problems with PinPads and other payment accepting devices immediately. This will allow your organization to ensure the mission critical payment platform is 100% available and secure.

Software updates to the Pin Pads can be easily done to launch a digital ad on the Pin Pad or accept a new form of payment. The AurusPay system provides this comprehensive service, which saves field technician service costs and time.

Multi Channel Innovation

Extending Reach

MULTI CHANNEL INNOVATION

Channel payment processing backed by real time loyalty and social media integration for today's mobile and social consumer. An integrated and converged payment platform spanning in-store, m-commerce and e-commerce channels is vital to drive growth in a hyper-competitive market. Aurus delivers an multi-channel payment processing backed with real time loyalty and social media integration for today's mobile and social Multi consumer.

Digital Messaging and Marketing

The Point of Sale systems have evolved into a Point of Interaction medium with the advancement of display and interactive voice technology. Nonetheless, it is vital that POI is a tool for relevant and contextual advertising. AurusPay offers features to display merchant approved advertising over a broad array of customer facing terminals with our turn-key ad serving engine solution.

POS Marketing Solutions helps merchants acquire new consumers, build brand awareness and maintain brand affinity with their customers. It also provides access to a rich set of distinct and innovative marketing campaigns that can be adapted to resonate with existing marketing.

Personalized Campaign Management

Running a campaign, personalized to the unique consumer needs is proven to yield higher conversions. AurusPay links customers' credentials to their purchases in a campaign, thereby allowing accurate consumer segmentation. Such information coupled with details on consumer lifestyles, through social network integration, results in customization of marketing campaigns and a richer customer interactive program. This comprehensive approach in the understanding of consumers' demands and buying patterns equips stores to optimize their customer relationship management and create a brand image that is distinct.

Digital Couponing

Digital coupons supported by consumer analytics make the perfect formula to pass on savings to consumers, which results in increasing the effectiveness of direct marketing. AurusPay provides a seamless Mobile checkout process allowing the consumer to redeem their digital coupon effortlessly.

Myriad of Reward Programs

AurusPay, with it's rich interfaces to card networks, facilitates the acceptance of consumer rewards across participating locations. These integrative properties enable creating neighborhood multi-store campaigns with ease. AurusPay provides a myriad of reward and incentive programs to consumers to encourage revisits and create relationships with them. It utilizes social and mobile channels effectively to ensure the success of reward programs.

Mobilizing your Store Staff

Today many merchants want to change the store experience and no longer rely on traditional checkout POS lanes to collect payments. This means store associates will need mobile tablets to enable them to collect payment anywhere in the store. Aurus is able to easily integrate the AurusPay solution into many different mobile solutions which will provide secure, simple and seamless payment capabilities.

Enabling Mobile and Online Ordering

Providing multiple payment options to consumers via e-commerce and m-commerce are becoming increasing essential in order to grow improve accessibility, reach and grow business. AurusPay is an integrated solution that enables synchronization of all catalog items offered, order entry and payment & reward processing. AurusPays support for a large network of POS systems, simplifies integration and ensures a seamless transformation

Managing The Cost of accepting Payments

Growing Your Profits

Managing The Cost of accepting Payments

As a business owner, are you eager to launch or revamp your services with optimal time frames ? Do you seek to have a better control and predict the cost of operations more accurately ? Our PaaS model provides for reduced capex and time to market and a predictable flat fee model.

Platform as a Service

Organizations strive for a technology platform across all consumer touch points to drive consumer affinity and promote brand loyalty. AurusPay provides options available to fit your business needs and deliver a high ROI with our PaaS offerings.

We provide options for co-branding, white-labeling of our platform to help you control your brand. For our enterprise clients, we also offer an Enterprise solution with a one-time licensing fee plus a modest annual maintenance fee.

Reduce Capex and Time to Market

The investment towards setting up and managing IT and Data Center infrastructure for an enterprise platform can be significant. Businesses can reduce and control their initial set up costs by utilizing AurusPay's PaaS offerings.

The reduction in initial and periodic capital expenditure for IT infrastructure is noteworthy and frees this budget for other strategic initiatives. The time to market to launch or revamp a service is also reduced.

Predictable Flat Fee Model

In today's dynamic business world, store deployments and on-boarding schedules can be spiky. With our model, it's very easy for a business or a POS and ISV firm to scale their merchant locations at their pace. They pay as they scale and are able to utilize our platform optimally.

With AurusPay PaaS you pay a fixed monthly fee per store location. There are no transaction fees or other hidden fees. Just one fixed fee. This provides predictability and complete transparency to the business to determine cost of operations, cash flow projections etc.

Controlling Operational Costs

The continual cost of maintaining POS systems for PCI compliance can add up. Enterprises can control operational costs associated with compliance by utilizing AurusPay's patented technology, which isolates the POS from PCI scope.

AurusPay is highly effective in controlling PCI compliance activity and upgrade management related costs at store and corporate levels. Independent studies for a retail chain have shown improved productivity benefits ranging upto $ 210/ store on an annual basis on account of reduction of POS maintenance tasks.

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