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Expertise

Payment Processing Systems

We have extensive experience regarding many payment types. We have been involved in the strategic analysis, business case studies, designs and implementations of many systems for processing checks, credit cards, ACH transactions, "Check 21" and ECP payments, RFID cards and various electronic payments.

Most notably we have been directly involved in:
  • Credit card processing: feasibility study, design and implementation of multiple large (>1 million items/day) systems in the U.S. and Europe since the early 80's.
  • Check Processing: feasibility study, design and implementation of wholesale and retail lockbox systems for most large banks in the U.S.
  • Check 21 implementations with Remote Capture and (Government) ECP interfaces
  • "Giro" transactions common in Europe (possible under current U.S. legislation but not widely implemented)
  • ACH origination
  • Strategic "Cash Replacement" study covering, a.o. RFID-card and RFID-phone payments.

Patent Challenge
Since we were involved in the design and implementation of large volume image processing systems as far back as the early 80's, we are able to challenge the dubious patent claims regarding image processing which are still being pursued by patent trolls.

Networking and Security
We have designed and implemented various high and low level proprietary and industry standard networking and security protocols ranging from "big packet TCP" protocols in the early 80s to reverse proxy, single sign-on protocols for web access.








SEG, Emerging Payment Technologies Expertise.

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