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Technology Overview

 

LOYALTY PROGRAM TECHNOLOGY INFRASTRUCTURE AS SERVICE

Building a loyalty card system or Smartphone-based Emulated Card technology that stores value i.e. gift rewards, coupons, redemption points or money reciprocals requires an attention to detail. The main step is to comprehend the information necessities on the card as it identifies with each divergent programming application that your loyalty project will utilize. The integration of a card or smartphone loyalty component into an existing computing infrastructure involves how card information moves from the purpose of operation, collaborating with the bigger framework of information and how safely it must be kept up. The framework needs to have satisfactory handling force, transmission capacity, information stockpiling and system similarity. Knowing your general framework is vital to settle on better key choices.

 

Using a smart-phone based emulated card technology provides better user experience and also supports unlimited number of loyalty schemes for different Businesses/Merchants in the users smart phone itself.
 

COMPONENTS OF Go Smart tap LOYALTY SYSTEMS INCLUDE:

BEST OF BOTH THE WORLD
In Go Smart tap we can use Smartcards as Loyalty cards or customers Smartphone as Emulated stored value loyalty rewards card.

SMARTPHONE AS CHIP CARDS (STORED VALUE TECHNOLOGY)

Using an Smartphone based emulated card technology it provides better user experience and also supports unlimited number of loyalty schemes of different Businesses/Merchants in users smartphone itself Hence one Go Smart tap Client app is enough to store last point or prepaid balances of multiple merchants in single phone.

Businesses now can provide this Smartphone based Emulated card solution available quickly and conveniently via an Go Smart tap HCE app. This applies to all smartphones running Android operating system 4.4. and above and IOS Ver 7.00 Onwards. The reach of HCE Technology is extremely high because the new technology is supported by all Android devices (from version 4.4 onward). The vast majority of smartphones worldwide use an Android operating system.

STORED VALUE SMART CARDS

These are smart cards that employ radio frequency (RFID) between card and reader without physical insertion of the card. Instead, the card is passed along the exterior of the reader and get read. They are gaining popularity in retail stored value since they can speed up transactions and not lower transaction processing revenues like traditional smart cards. Contactless smart cards can contain either a memory or microprocessor (CPU) chip. The chip is not visible on the card because it is embedded within the card’s plastic layers. Important advantages of microprocessor smart cards include reliable protection of user data and assets, strong authentication of personnel, terminals and PCs, and the ability to run multiple applications on one card in a distributed or hybrid system architecture. One card can manage payment and stored value, loyalty points, and consumer tracking.

NETWORK SYSTEM ARCHITECTURE

The locations where your data is stored, where and how it moves, defines your network system architecture.

CARD OR SMARTPHONE ACCEPTANCE TERMINAL

CATs, as they are popularly known, are the Loyalty/Prepaid terminals or card-readers. These Terminals read information from your card or smartphone and communicate with our backend Cloud server.

CARD MANAGEMENT TOOLS AND API

Alongside the hardware components, likewise needed are tools to Blacklist cards, Add customer ID, Allocation of Activation Licenses, Sales Return/Undo Transactions and Card Handling functions and API for Seamless Integration of POS System with Microsoft Platform .

REPORTING DASHBOARDS
LOYALTY AND PREPAID CARD TECHNOLOGY TYPES

There is a wide range of options to choose from when designing the system depending on how the card or customer Smartphone data is read/written and the type of secured chip implanted within the card and its capabilities.

 

SMARTPHONE AS CHIP CARDS (STORED VALUE TECHNOLOGY)

iBonus is presenting a new Smartphone based Emulated card solution based on host card emulation (HCE) technology, which enables smartphones to be used as easily and securely as a standard chip-based Stored value Smartcard (SVC).

iBonus is the world’s first to employ NFC/BLE technology to provide smart phone-based loyalty system to cover over 80% of smartphones users worldwide.

There are different loyalty programs in market today which mostly uses barcode cards, Magnetic Stripe cards, Q Code cards, etc. However, they have a low usage rate due to inconvenience to carry them physically to any retail store. Other online technologies which use Loyalty/Prepaid Mobile App, however, requires 100% Seamless Internet connection and is too complicated to use if there are many Loyalty cards or Coupons from different retail Stores.

 

CONTACTLESS SMARTCARDS

These are smart cards that employ radio frequency (RFID) between card and reader without physical insertion of the card. Instead, the card is passed along the exterior of the reader and get read. They are gaining popularity in retail stored value since they can speed up transactions and not lower transaction processing revenues like traditional smart cards. Contactless smart cards can contain either a memory or microprocessor (CPU) chip. The chip is not visible on the card because it is embedded within the card’s layers. Important advantages of microprocessor smart cards include reliable protection of user data and assets, strong authentication of personnel, terminals and PCs, and the ability to run multiple applications on one card in a distributed or hybrid system architecture. One card can manage payment and stored value, loyalty points, and consumer tracking.

There are many factors that determine the technology and system put to use. Some of these are:
 

NETWORK CONNECTIVITY

Data stored and sharing within a loyalty program depends on the strength of the network connectivity, which in turn will help you regulate your card selection. A chip-based smart cards system works better with organizations with feeble networks that do not have to remain connected to the network at all times and yet can hold and transact a significant amount of data. This is especially true with cards that contain stored value and require multiple POS locations. These systems rely on distributed or hybrid system architectures.

SINGLE STORE OR MULTIPLE STORE SETUP

The more stores a company has, the more sophisticated its system will be. Retailers with disparate locations unify their stores using cloud servers or distributed systems that use smart cards with large storage capacities. In general, smart cards offer stronger security than client-server based networks in the cloud.

CONSUMER PRIVACY CONCERN

More and more, consumers are getting to be suspicious of and touchy to matters of privacy. If guaranteeing the security of shopper information is an element you wish to promote in your loyalty program, then the best card choice will often be a CPU smart card with encryption and password protection capabilities.

LIFE EXPECTANCY OF THE CARD

The choice of card material (substrate) and card innovation will affect the life of the card. Our substrates are more durable and enduring than others. That is also true for machine-readable card technologies.It has been shown that, on average, contactless chip-based cards last for ten years of time, while magnetic stripe cards last the least amount of time.

We have some great clients Who love us

 

Professionals from iBonus managed our project excellently and delivered all our requirements well. Online Internet Support was also available whenever required. iBonus has a highly professional attitude toward their clients and client satisfaction is their top priority.

Management, Joy Alukkas Group, Dubai, UAE

I got my Loyalty System set up and Installed from AVI Infosys and working in less than 24 hours which is an incredible feat. I am very pleased with their professionalism and the performance of their products. It is a pleasure to work with such dedicated professionals.

Khaleed Ahmed, Friends Net Cafee, Egypt

The best consultants for our project were available from iBonus 24X7 and the sales and support teams extended their support every time we needed inputs and help.

Management, Max Retail, A Landmark Group company, Dubai, UAE