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27 Oct 2017
GMO Payment Gateway, Inc.
GMO Payment Gateway, Inc. (TSE partial: Securities Code: 3769, President & Chief Executive Officer: Issei Ainoura hereinafter referred to as "GMO-PG"), which develops comprehensive payment-related services and finance-related services in the GMO Internet Group, will start offering "GMO-PG Processing Platform", which provides payment solutions to financial institution and finance service providers, by utilizing the know-how it has cultivated through the provision of payment services for e-commerce business operators, from today, October 27, 2017 (Friday).
" GMO-PG Processing Platform" provides various systems and functions necessary for deploying payment processing business, such as issuing debit, credit, prepaid, and house cards, managing merchants, and processing transactions, using APIs (*). Banks and credit card companies and other businesses that provide financial institution and finance services can choose the payment solutions they need for their business development, and build new infrastructure of payments at a low cost, in a short period of time, and easily. In addition, each solution can be centrally managed on a single management screen, so operational efficiency can be improved.
（※） An API (Application Programming Interface) is a mechanism for connecting software such as services and applications.
【Background and Summary】
In recent years, Japan financial institution, including banks, have been considering the introduction of new businesses and strengthening their efforts to revitalize local communities in preparation for regional revitalization in order to create a cashless society. In addition, there are an increasing number of cases in which new finance services are being developed by entering the finance field from a different business area from the perspective of FinTech, which has been considered difficult for new entrants to enter.
However, when financial institution and finance service providers launch a new business, they are required to have a sense of speed before starting the business, but the current situation is that it takes a lot of investment and time to build a system and establish a business flow.
Therefore, GMO-PG has made use of the Actual know-how that it has cultivated through the provision of payment services for e-commerce businesses. financial institution and finance service providers are engaged in the issuance of debit, credit, prepaid, and house cards, merchant contract Merchant businesses that require functions such as management, merchant settlement, and card transaction processing. In order to build a infrastructure of payments at a low cost, in a short period of time, and easily when deploying a new payment processing business, we have started offering "GMO-PG Processing Platform", which provides various payment solutions in one place.
[About "GMO-PG Processing Platform"]
"GMO-PG Processing Platform" provides the following five payment solutions for various types of payment processing, regardless of whether they are face-to-face or non-face-to-face (EC). In addition, we also provide various business management services attached to payment processing business and common infrastructure that can be connected to the outside world.
financial institution and finance service providers are free to choose the payment solution common infrastructure they need to develop their business. Each solution is provided via API, so you can build infrastructure of payments at low cost, in a short period of time, and easily. In addition, each solution can be centrally managed on a single management screen, so you can improve the efficiency of your work.
■ payment solution
| 1) Debit Card Issue *1 Support | The API provides the functions necessary for issuing debit cards with international brands and processing their transactions. It is possible to respond to requests such as virtual card issuance, immediate issuance, and corporate card issuance. 【Main functions】 ・ membership management: Application acceptance, card issuance, member master management, web page for card members (setting of usage conditions, confirmation of usage history, etc.) ・Transaction management: authorization * 2, sales processing, overdraft *3, acting authorization |
|---|---|
| 2) Credit Card Issuance Support | The API provides the functions necessary for issuing credit cards with international brands and processing their transactions. By linking with financial institution 's existing system, we can quickly introduce a credit card issuance system. 【Main functions】 ・ membership management: Application acceptance, card issuance, member master management, web page for card members (setting of usage conditions, confirmation of usage history, etc.) - Transaction management: authorization and sales processing, credit line management, delinquency and late payment management |
| 3) Prepaid card issuance support | The API provides the functions necessary for issuing prepaid cards with international brands and processing their transactions. It is possible to handle various charges at credit cards, convenience stores, etc., point linkage, and application support. 【Main functions】 ・ membership management: Application acceptance, card issuance, member master management, web page for cardholders (usage history, balance confirmation, etc.) - Transaction management: authorization and sales processing, balance management, overdraft support |
| 4) House Solution Support | The API provides the functions necessary for issuing house-type credit cards and prepaid cards that are not attached to international brands, managing merchants, and processing their transactions. 【Main functions】 ・ membership management: Application acceptance, card issuance, member master management, web page for card members (setting of usage conditions, confirmation of usage history, etc.) ・Transaction management: Transaction data processing, transaction master management, credit line and balance management, fraud detection ・Merchant management: Merchant master management, creation of reports for merchant settlement, web page for merchants (settlement information, individual transaction inquiry *5) |
| 5) acquiring *6 support | API provides the functions necessary for merchant contract management, merchant settlement operations, and payment message processing of various cards. 【Main functions】 ・Merchant management: Merchant master management, report creation for merchant settlement, web page for merchants (settlement information and individual transaction inquiries) ・Transaction management: authorization and sales processing, international brand processing, fraud detection, credit card usage monitoring *7 |
■ common infrastructure
| Improved convenience for cardholders | Provision of smartphone apps and web pages (setting of usage conditions, confirmation of usage history, viewing of account statements, etc.) that improve convenience and activation of cardholder use |
|---|---|
| External connection | Connections with financial institution, international brands, FinTech companies payment |
| Marketing, sales promotion, etc. | Marketing support and credit card usage monitoring using CLO *8, points, and coupons, and fraud detection |
| Business management | Database holding (member data, member store data, various transaction data), transaction browsing, creation of various settlement reports |
| *1 | Issued: The business of recruiting cardholders, issuing cards, providing services to cardholders, and billing card usage fees. |
| *2 | authorization Visualization: Checking the validity of the card to be used (confirmation of cancellation, loss, etc.), checking of transactions within the account balance (debit card), credit limit (credit card), charge balance (prepaid card), etc. |
| *3 | Overdraft: Usage that exceeds the balance of the bank account or the balance of the prepaid charge |
| *4 | House Formula: Limited to merchants contract by the card issuer |
| *5 | Individual transaction inquiry: Inquiries about the details of each transaction |
| *6 | acquiring： The business of recruiting merchants, managing and settling the contract of the merchants, and processing the payment of card transactions. |
| *7 | credit card usage monitoring： To determine whether fraudulent transactions have been made based on the status of card transactions that occur at member stores. |
| *8 | CLO： An abbreviation for Card Linked Offer, which is a service that provides coupons, points, and other preferential benefits based on each cardmember's attribute information, transaction history, etc. |
【GMO Payment Gateway】
GMO-PG provides comprehensive payment-related services to 88,425 merchants (as of the end of June 2017 of the GMO-PG Group), including online businesses such as online shops and digital content, monthly fee-based businesses such as NHK and subscription, and public entity stores such as National Tax Agency and Tokyo.
With a focus on payment services, we provide value-added services such as online advertisement services that contribute to improving the sales of merchants, finance-related services such as loans to financially support the growth of merchants, and overseas businesses such as the provision of overseas payment services, resulting in an annual Transaction value of more than 2 trillion yen.
GMO-PG aims to provide a safe and convenient payment for consumers and businesses, and to become the infrastructure for the payment process. As a leading company in the payment industry, we will continue to drive new innovations such as FinTech and contribute to improving the EC ratio of Japan.
【Related Links】
- GMO-PG (Company Profile)
- URL :https://corp.gmo-pg.com/en/
- GMO-PG (Service)
- URL :https://www.gmo-pg.com/en/
[Press Inquiries]
GMO Payment Gateway, Inc. Corporate Value Creation Strategy Division
- TEL
- +81-3-3464-0182
- FAX
- 03-3464-2387
- pr@gmo-pg.com
GMO Internet Group Group Public / Investor Relations
- TEL
- +81-3-5456-2695
- pr@gmo.jp
[Contact for inquiries regarding services]
GMO Payment Gateway, Inc. Innovation Partners Division
- TEL
- +81-3-3464-2323
- FAX
- 03-3464-2477
- info@gmo-pg.com
[GMO Payment Gateway, Inc.] (URL: https://corp.gmo-pg.com/)
| Corporate Name |
GMO Payment Gateway, Inc. (TSE First Section Securities Code: 3769) |
|---|---|
| Location | 1-14-6 Dogenzaka, Shibuya-ku, Tokyo Humax Shibuya Building |
| Representative | President & Chief Executive Officer Issei Ainoura |
| Business Description | ■ Comprehensive payment related services and finance related services |
| Capital | 47億1,200万円 |
[GMO Internet, Inc.] (URL: https://www.gmo.jp/)
| Corporate Name | GMO Internet, Inc. (TSE First Section Securities Code: 9449) |
|---|---|
| Location | Cerulean Tower 26-1, Sakuragaoka-cho, Shibuya-ku, Tokyo |
| Representative | President and Group Representative Chairman ＆ Chief Executive Officer Masatoshi Kumagai |
| Business Description | ■インターネットインフラ事業 ■インターネット広告・メディア事業 ■インターネット金融事業 ■モバイルエンターテイメント事業 |
| Capital | 5 billion yen |