Taurus is a solution that facilitates the banking entity the integration of the services of Mobile Wallet. This tool streamlines the management of transactions, allowing for intra-bank banking purse transactions and through the BCCR's SINPE movil Service with other banks participating in the system.
It allows users to make micro transactions between them, using as source and destination accounts of the bank or other banks through the BCCR Banking Purse service.
The solution provides a variety of channels to perform transactions, which can be enabled in stages, among them are the SMS and Whatsapp transaction channel, the application channel for Smart Phones, and for intra-bank merchants offers channels such as Web Services for integration Applications, tablet applications, website and e-commerce component.
In this way, the Taurus solution gives the bank the ability to develop a new form of payment and provide services to the affiliated merchants that it has with this form of payment. Taurus handles typical characteristics of an acquiring business, defining business structure, business rules, differentiated commissions, withholdings and monitoring of transactions with fraudulent characteristics.
The Taurus solution has the following modules:
The solution has a service-oriented architecture, so its integration with other systems is transparent and complies with the security schemes demanded by the financial market today.
Additionally, web applications have authentication and authorization mechanisms based on national digital signature, multi-browser and multi-platform, which reinforce the level of security when operating the solution.
It allows the bank to develop a business not only of transfers with a bank purse, but also a new business of transfers, collections and intra-bank payments based on the platform, allowing it to develop new business with its customers by offering them a new mode of payment, reducing circulation Of cash.
Avoid investments in hardware and software to offer the services through different channels, in a modality that is kept up to date on what the market demand of the possible technological clients that it manages, as are the operating systems of telephones and tablets, as well Also regarding the new guidelines issued by the Central Bank of Costa Rica, for the use of the mobile wallet platform.
Facility for the areas of business management of the bank in the handling of the solution, in the handling of this new form of payment.
Manage a series of channels, which may have business rules customized according to the risk of the same and with blocking transactions or monitoring transactions with fraudulent type behaviors.
It allows to offer a differentiated service to businesses that use the platform, encouraging them to adopt it as a form of payment, and in this way not only reduce the cash flow in the bank, but also its customers, lowering the operation costs and risk involved .
Possibility of customization to the needs of the bank, providing the opportunity to mold this new business in the market to the needs and strategies of the bank.
Crux Consultores is a team committed to generating quality services related to information technologies, applying the best practices of the market, and according to the needs of our customers.