Introduction of "GMO-PG Processing Platform

GMO-PG Processing Platform

▼ What is "GMO-PG Processing Platform"?

financial institution and finance service providers will develop payment processing business such as debit, credit, prepaid, and house card issuance businesses, and merchant business contract management, merchant settlement, and card transaction processing functions. It is a platform that collectively provides payment solutions so that you can easily, flexibly, and efficiently infrastructure of payments
In addition, each solution can be centrally managed on a single management screen, improving operational efficiency.

Platform overview

You can freely select the payment solution and common infrastructure required for business development.

Key points of GMO-PG Processing Platform

1. Providing the best solution for each customer

Instead of providing a uniform system, you can freely select and use the payment solution and common infrastructure

2. Supports payment

We support payment payment scenes regardless of real or EC area. It is also possible to provide marketing functions such as CLO, points and coupons.

3. Service provision by API

Since each solution is provided by API, we will realize easy, flexible and efficient service introduction.

4. Providing services that only GMO-PG can do

payment know-how and Actual cultivated in the payment processing company business, we will also realize operational efficiency by centrally managing each solution on one management screen.

Overview of each function and service

■ payment solution

Debit card issuing * 1 support The API provides the functions required for issuing internationally branded debit cards and processing their transactions.
We can respond to requests such as virtual card issuance, immediate issuance, and corporate card issuance.
[Main functions]
membership management: Application reception / card issuance, member master management, WEB page for card members (use condition setting, usage history confirmation, etc.)
Transaction management: authorization internalization ※ 2 · sales processing, overdraft ※ 3 correspondence, acting authorization
Credit card issuing support The API provides the functions required for issuing internationally branded credit cards and processing their transactions.
Achieves speedy introduction of credit card issuance system in cooperation with existing systems of financial institution
[Main functions]
membership management: Application reception / card issuance, member master management, WEB page for card members (use condition setting, usage history confirmation, etc.)
Transaction management: authorization internalization and sales processing, credit management, arrears, delinquency charges management
Prepaid card issuing support The API provides the functions required for issuing prepaid cards with international brands and processing their transactions.
It is possible to support various charges at credit cards, convenience stores, etc., point cooperation, and applications.
[Main functions]
membership management: Application reception / card issuance, member master management, WEB page for card members (usage history / balance confirmation, etc.)
Transaction management: authorization internalization and sales processing, balance management, overdraft corresponding
House solution support House type without international brand ※Four The API provides the functions necessary for issuing credit cards and prepaid cards, managing merchants, and processing their transactions.
[Main functions]
membership management: Application reception / card issuance, member master management, WEB page for card members (use condition setting, usage history confirmation, etc.)
Transaction management: Transaction data processing, transaction master management, credit line / balance management, fraud detection
Merchant management: Merchant master management, Merchant settlement report creation, Merchant page (payment information / individual transaction inquiry) ※Five)
acquiring * 6 support Merchant store contract management, member store settlement business, payment of various cards Provides the functions necessary for telegram processing with API.
[Main functions]
Merchant management: Merchant master management, member store settlement report creation, member store WEB page (payment information / individual transaction inquiry)
Transaction management: authorization Zation / sales processing, international brand processing, fraud detection, credit card usage monitoring * 7

■Services

Ishing Gateway Service This service provides card number management and brand network connection functions for card issuance utilizing the company's system infrastructure and finance functions.
By utilizing the assets owned by the company, GMO-PG manages card information while reducing construction costs, so it is possible to greatly reduce the security response load such as PCI DSS support.
【Main Functions】
membership management: Application acceptance, card issuance, member master management
Transaction Management: authorization and Sales Processing
Network Services

finance provides network and connection with related service providers (ishua, acquirer, international brand, credit information agency, bank, printing company, TSP, etc.) necessary for business development.
Since GMO-PG is connected according to the specifications of each network, it is easy to reduce costs, connect to various interfaces, and add connection destinations at any time.

【Main Functions】
Electrotext processing: Tailoring function, teletext transfer, foreign connection function
Service delivery examples:

  • 1. financial institution external system connection (CD/ATM, overseas ATM network (PLUS, Cirrus))
  • 2. authorization processing and sales transmission between large merchants and card companies
  • 3. Connecting with international brands (VISA/Mastercard/JCB, etc.)
  • 4. Connecting with credit information agencies
  • 5. Connecting with a printing company
FEP Services

We provide external connection systems necessary for card transactions, etc.
High processing capacity and availability enable stable operation of systems with reduced load on core systems as transaction volumes increase. API linkage is also possible.

【Main Functions】
Electrotext processing: tailoring function, transmission and reception, authorization and sales processing, acting authorization, IC processing, negative registration, external connection function
Credit information introduction: Credit information inquiry, use registration
Bank account deposits and withdrawals: Deposit and withdrawal telegraph processing

■ common infrastructure

Improved convenience for cardholders Smartphone apps and web pages that improve convenience and activate usage for cardholders
Provision of (setting of usage conditions, confirmation of usage history, viewing of account details, etc.)
External connection Connections with financial institution, international brands, FinTech companies payment
Marketing / sales promotion, etc. CLO * 8 ・ Marketing support using points and coupons, credit card usage monitoring, and fraud detection support
Business management Database holding (member data, member store data, various transaction data), transaction browsing, creation of various settlement reports
  1. Issue: A business that recruits card members, issues cards, provides services to card members, and charges for card usage.
  2. authorization internalization: (confirmation of the cancellation, loss, etc.) validation of the card to be used, account balance (debit card) and use limits (credit card)
    ・ Perform credit inquiries such as transaction confirmation in the charge balance (prepaid card)
  3. Overdraft: Use that exceeds the bank account balance or prepaid charge balance
  4. House type: Limited to use within the member store contract
  5. Individual transaction inquiry: Inquiry of transaction details for each transaction
  6. acquiring: A business that recruits member stores, contract and makes payment member stores, and processes payments for card transactions.
  7. credit card usage monitoring: Judging whether or not fraudulent transactions are being carried out based on the status of inappropriate card transactions that occur at member stores.
  8. CLO: An abbreviation for Card Linked Offer, a service that provides coupons, points, and other benefits based on the attribute information and transaction history of each card member.

Application / Introduction flow

  • 1. Contact us from the inquiry page
  • 2. Contact from the person in charge
  • 3. Hearing of customer's request
  • 4. We propose the best solution to our customers
  • 5. Meeting for service introduction
  • 6. Service release

* The period until the service is released will be decided through a meeting with the customer.