www.sena.com March, 2002June, 2002
POSLink seriesSerial-Ethernet connectivity
for credit card payment terminals
SENA
www.sena.com
Contents
EmbeddedConnectivity
• The Market Opportunity• POSLink 100/400• Benefits• System Configuration• Technical Details:
– Technical Specification– Software Architecture– Hardware Architecture
• System Comparison– Legacy off-line payment processing system– IP-based off-line payment processing system
• References • Target Customers• Implementation Issues
www.sena.com
The Market Opportunity
• Broadband Service Providers (in South Korea)– 25M Internet users, 8.9M Broadband households
nation-wide (70% of total households, DSL 5.6M, Cable 3.3M), 45M population
– USD20~30 per month– Three major providers for DSL & Cable
• Credit Card Processors (in South Korea)– 10 processors nation-wide– 1.5M payment terminals in the market– Very competitive market
• Limitation– Still locked into dial-up or proprietary leased line– Long processing time for dial-up: 20secs– High monthly service charge for leased line: USD50+
per line per terminal
www.sena.com
POSLink 100/400
Internet
Merchant Location
Credit cardProcessor Location
Payment Processing Server
POSLink 100POSLink 400
Payment terminal
Merchant LANOr Broadband line
A box for IP-based off-line credit card payment processing
www.sena.com
POSLink 100/400
• Secure transaction– Full SSL Data Encryption for secure credit card transaction
• Lightspeed transaction– Overall processing time less than 2 secs
• Multiple terminals with single broadband account (POSLink 400)
• Remote firmware download & monitoring for payment terminals
• Extremely low transition cost• Out-of-box installation without any modification of existing d
evices: Just hook up & go• Platform alternatives
– Firmware based platform with 16bit microprocessor– Linux based platform with 32bit microprocessor
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Benefits• Broadband Service Providers
– Looking for new revenue sources– Saturated market for households and small offices– More than 1.5M new subscribers that are POS terminals
and still increasing• Credit card processors
– Strong needs to provide quality services to dominate market
– Easy system maintenance with Internet-based remote device & system management
– Seamless integration of on-line and off-line payment system
– Generate new revenue model with Internet-based services such as on-line lottery & joint promotion with merchants
• Merchants– Lower monthly cost for credit card transaction– Fast credit card payment processing time– Easy installation and relocation of payment terminals
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System Configuration• Enable serial-line based credit-card payment terminals
to be connected to Ethernet or broadband Internet• Transaction via TCP/IP with SSL encryption
PaymentAuthentication
Server
Internet
ADSL/Cable modemHUB
211.115.67.188
66.12.89.34
Requestpayment
authentication
Initiate payment transaction
Approvepayment
transaction
Notifytransaction complete
ADSL/CableISP
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Technical Specification
EmbeddedConnectivity
POSLink 100 POSLink 400
POS Terminal Interface
Serial 1 port Serial 4 ports
•Serial speeds: 1200bps to 19200bps •Flow Control: Hardware RTS/CTS •Signals: Rx, Tx, RTS, CTS, DTR, DSR, GND
Network Interface •10 Base-T Ethernet with RJ45 Ethernet connector•Supports static and dynamic IP address
Protocols ARP, IP/ICMP, TCP, UDP, Telnet, DHCP client, PPPoE
Security User ID & PasswordData Encryption: SSL
Management •Management Tools: Serial console port •Firmware: Stored in Flash memory and downloadable via serial console or telnet
LEDs •Power, Ready, 10 Base-T: Link, Act •Serial: Rx, Tx for each serial port
Power Supply voltage = 7.5V ~ 30V DC Supply current = 140mA nominal
Environmental •Operating temperature: 5° to 50°C•Storage temperature: -40° to 66°C
Dimension & Weight 95 mm L x 80 mm W x 25 mm H(3.7 in x 3.1 in x 1.0 in) 200g
230 mm L x 153 mm W x 30 mm H(9 in x 6 in x 1.2 in)960g
Approvals FCC(A), CE(A), MIC
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Software Architecture• Encryption algorithm (SSL, IPSEC)
– SSL(Secure Socket Layer) as a basic encryption method• Asymmetric key exchange, Popular method in PC-based credit card transaction
– Flexible TCP/IP stack software and the encryption software• Easy-to-customize to customer’s requirement
PPPoE
VDMEmulation
SerialCommunication
EncryptionDecryption
Ethernet & ARP
TCP/IP
Serial raw data from/to the payment terminal
VDM Emulation data & raw credit info
Raw credit info.
Encrypted credit info.
Cable or Ethernet packetADSL packet
Encrypted credit info.ADSL을사용할 경우
Cable 또는 인터넷전용선 사용할 경우
PPPoE
VDMEmulation
SerialCommunication
EncryptionDecryption
Ethernet & ARP
TCP/IP
Serial raw data from/to
VDM Emulation data & raw credit info
Raw credit info.
Encrypted credit info.
Cable or Ethernet packetADSL packet
Encrypted credit info.ADSL Cable or Ethernet
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Hardware Architecture
EthernetController
ROM(프로그램저장 )
RAM( 프로그램메모리 )
MCUInternal bus
Ethernet
IP4CAT
Serial LevelConverter
UART
Cable/ADSLModem,Router
CreditAuthorization
TerminalRS232
EthernetController
ROM
RAM
MCUInternal bus
Ethernet
IP4CAT
Serial LevelConverter
UART
Cable/ADSLModem,Router
Credit Card Payment
TerminalRS232
POSLink
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System Comparison
Legacy off-line payment processing System
• Phone-line based system– Charge per transaction
• The more the transaction, The higher the maintenance cost
– Slow overall processing time for payment terminal– No data encryption required
• Proprietary leased-line based system– Flat rate but expensive– Fast overall processing time compared to phone-line– No data encryption required– Leased line service providers do not invest for infrastructures
PSTN ModemLeased Line
Modem
PSTN/Leased Line Modem pool
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System Comparison
IP-based off-line payment processing system• Connect to Ethernet or broadband Internet (ADSL, Cable)• Flat & lower monthly rate• Fast overall processing time• Benefits from the shared line connection• Secure transaction is the key
– Data Encryption: Industry standard SSL (Secure Socket Layer)
www.sena.com
Phone-lineProprietaryleased-line
Internet(ADSL, Cable)
System Comparison
Charged by the number of
phone calls = 4 cents/call
Flat rate per line= $65 for 4 line multiple
Flat rate per line = $23/monthMonthly Fee
20 sec 5 sec 2 secTransaction
Time
For low-volume transaction &
Small retail shop
- For large-scale retailer- Saturated infrastructure but no investment plan by service providers
- Good for high-volume transaction
- Good for existing Internet users
Comment
In Korean market
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References
• KMPS: processor & acquirer– Field test at merchants location completed with 16bit-based
POSLink100– 16bit-based POSLink400 – Payment terminal by domestic manufacturer– Close an initial supply contract of POSLink100
• KFTC: processor & acquirer– Feasibility test with 32bit & Linux based POSLink– IDphone: Payment terminal manufacturer
• Demonstration for other 7 domestic processors with payment server emulation software
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Target Customers
• Credit card processors and acquirers• Payment terminal manufacturer• POS system integrator or value added resellers• Broadband service providers• Merchants as end users
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Implementation Issues
• Communication with authorization server – For servers that doesn’t support SSL
• The authentication server for credit card payment processing may have to be modified for server-side data encryption/decryption for the case of legacy dial-up & leased line based server.
• SENA’s tool kit with standard SSL– For servers that supports SSL
• No server-side job required
• Legacy POS terminal interface– Serial interface with POS terminal– Dial-up only terminals without any serial port
• Dial-in interface is to be supported according to the payment terminal
www.sena.com
SENA Technologies, [email protected]
Phone:+82-2-529-7025Fax: +82-2-573-7710
Web Address: http://www.sena.com210 Yangjae-dong Seocho-guSeoul 137-130, South Korea
Contact SENA
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