This application is in continuation with the earlier project, and provides Sales/ reversal and settlement features. The system currently supports MasterCard and Visa Cards. The key features are:

• Real time transactions like sale and reversal are processed immediately by communicating with Bank servers using ISO 8583 protocol (for MasterCard and Visa) over VPN Connection. Each merchant has different bank servers and the setting for the selection of bank is provided in the configuration files. Information of the transaction is received from the AVS module after AVS and fraud control check
• Response from the bank server for the real time transaction is passed on to the AVS module which in turns generate final response file with approved or declined status. This response file is then picked up by the merchant’s application
• Settlement of the transactions processed during a day is done using batch files. These batch files are then encrypted using PGP and sent to the bank server using secured email. Response from the bank server is also available using secured email, which is then processed and transactions are updated

• The benefit of the system would be as follows:
  • Generic Platform for multiple Payment Service Provider
  • Online Credit Card Transaction Processing
  • Load Distribution

This application is used by the payment provider to receive payment transactions from the merchant’s ecommerce site and send them to the AVS Server for the AVS and Fraud Control checks. The system currently supports MasterCard and Visa Cards. Architecture: The application is divided into three different modules:

• Distributor module reads request files from the merchant site and sends them to the AVS module for the further processing. This module is used for load balancing and can connect to more than one AVS and Ebosys Module. Once requests are processed, the response files are again sent back to the merchant site
• AVS Module reads request files, extracts the necessary information for AVS and fraud control checks, generate packets and then send to the AVS server using TCP/IP protocol over VPN connection between payment provider and AVS server. Based on the AVS and Fraud control response from the server, it either sends the request to gateway for further processing on approval or back to the distributor on decline with decline code specified in the response file
• Gateway module provides financial transactions by communicating with the banks.

• Address Verification
• Fraud Checking