- Strong Authentication System
- mWallet management interfaces with any method of payment (debit card, credit card, cash, bank accounts, etc. ..)
- Maximum universality: highly scalable architecture, interoperable, portable and integrated
The module IDPay Wallet is based on the security suite SSC ™ (Safe, Signed, Crypted-Patent Pending), designed and realized in order to ensure a rapid and safe level of communication between an application installed on the device “mobile” (typically a smartphone) and the technical infrastructure.
The use of web services for the exchange of information between front-end and back-end is based on the standard established “WS-Security”, defined by OASIS (Organization for the Advancement of Structured Information Standards, www.oasis-open. org). The security principles are validated and tested at the Department of Innovative Technologies, University of Lugano (SUPSI).
IDPay Wallet adopts the security SDLC (Software Development Life Cycle), ranging from requirements definition to patch management and related code revision.
Programming is performed according to industry standards and the major guidelines such as OWASP, SANS Top 25 CVE.
Payment cards and their relevant information, is compliant with the PCI-SSC (Payment Card Industry Security Standards Council).
IDPay Wallet is a branchless banking service based on an “electronic wallet”.
The operations handled are:
IDPay Wallet can be managed by a bank, a payment service provider or an authorized agent; it is completely web-based and, as such, is also mobile-ready.
Using a PIN/pwd that grants access to the Wallet in total safety, IDPay Wallet operates on a virtual account.