Products and Services

Provision’s product lines and services include Payment solutions, Financial application solutions, Information security solutions, and Outsourcing services.

Payment solutions

A.FISC Payment solutionsB.Mobile Payment solutionC.TCH Payment solutionsD.Digital Payment solutions

A.FISC Payment solutions

The interbank payment and clearing system building by Real Time Gross Settlement system(RTGS) is a multivariate cash-flow service platform which connecting with Central Bank of Taiwan, all banks and supporting parties, integrates :1. Funds transfer platform 2. Nationwide billing/ tax payment system and 3. Bank card services platform.

Service item description of each platform:
  1. Funds transfer platform: includes Interbank remittance system, ATM system, FEDI system, FXML system, Internet banking and Mobile-banking. It provides real-time funds transfer service.
  2. Nationwide billing/tax payment system: provides online inquiry and payment of all kinds of billing and tax, by connecting with government, banks, communication companies, and network service companies.
  3. Bank card service platform: connects with Visa, MasterCard, JCB, and China Union Pay, to assists banks’ card business, then provides a worldwide cash-flow service and boosts the consumer market.
With these solutions, our products focus on FISC payment system, and founded by information security. The goal is to assist banks providing a convenient cash-flow service, a stable operation system and a reliable transaction environment.
 

ProIBRS

(Interbank Remittance System)

  1. This product includes remittance service within individuals, companies, government agencies, financial institutions and banks.
  2. FISC specification 6.5 Network implementation.
  3. (1)FISC specification 6.5 Network implementation.(2) FISC specification 6.3 subsystem of operation procedure service.(3) FISC specification 6.2 Remittance system.(4) FISC specification 6.6 Checkout and Clearing.
  4. Integrate business module, communication module, and security module into a single hardware box (IBRS3000 designed by Provision), which can lower the hardware, software, and management cost.
  5. Provide excellent functions like huge amount call loan, black list, reduce of fee, virtual accounts, real time transaction detail of enterprise, and so on. 。
  6. Integrate Core-banking system and frontend systems (branch system and internet banking) to satisfy real time transactions and expansion of future business.

 

ProATM

(ATM auto-transaction system) 

(FISC nationwide billing/tax payment system)

  1. Include following functions of finance chip card: Withdraw, remittance, account balance-check, international withdraw, and loan.

  2. Clients(Banks) can serve individuals to pay fees of public utilities, agencies which are entrusted, and tax.

  3. Banks can be entrusted to authorize the seal of payer’s accounts, on behalf of payers and payees, and write off the accounts.

  4. FISC interbank auto-transaction specifications.(1)FISC specification 6.5 Network implementation.(2)FISC specification 6.3 subsystem of operation procedure service.(3)FISC specification 6.20 Chip card shared system.(4)FISC specification 6.12 International operation of ATM shared system.(5)FISC specification 6.6 Checkout and Clearing.

  5. Integrate business module, communication module, and security module into a single hardware box (IBRS3000 designed by Provision), which can lower the hardware, software, and management cost.

  6. Provide ATM functions of customer account quota, fee reducing, and clearing sheet reports related with ATM accounts.

  7. Integrate Core-banking system and frontend systems (branch system and internet banking) to satisfy real time transactions and expansion of future business.

ProEPS FEDI

(Enterprise Payment System/Financial EDI)

  1. This product is designed based on Financial EDI of FISC, and the system architecture is same with RTGS of Central Bank of Taiwan.
  2. Combine “eBank” module what enables customers to use financial certificate regulated by banks association to have more securable and convenient transactions.
  3. Provide “NBEDI Kits” to enable the enterprise internet banking to be the interface of receiving and paying funds, and funds transformation.
  4. This architecture is both professional and innovative. Provision has experiences in remittance and ATM system fields, and can integrate HSM which ensure secure transactions. Provision is also good at integration of all brands of mainframe systems. With these professions, EPS3000 integrates communication, transaction handling, and security control in to one, and improve system reliability. The more important is the most professional team in Provision will help banks to expand business without any concern.

ProEPS XML

(Enterprise Payment System/Financial XML)

  1. Provide function for enterprises real-time interbank receiving and paying funds by international XML message format.

  2. As Financial EDI service, FXML adopts single electronic certificate(FXML certificate) which complete the information exchange and account handling once the transaction was done. It is the best tool for B2B funds transformation.

  3. Banks can coordinate government’s policies: Keep building enterprise funds payment system and improving efficiency of funds management. They also can satisfy enterprise clients’ need of fund transformation.

ProRTGS
(Real-time Gross Settlement mechanism)

  1. Provide banks these services of Funds transformation internally and externally, and hostage pledged through RTGS system of Central Bank of Taiwan.
  2. RTGS of Central Bank of Taiwan(CBC) specifications. (1)TCP/IP communication interface of CBC’s communication service system. (2)Connection procedure of CBC’s communication service system.。 (3)Operations of funds transformation and settlement of CBC’s communication service system. (4)Subsystem of file-transfer of CBC’s communication service system.
  3. Integrate business module and communication module into a single hardware box which can lower the hardware, software, and management cost. Provides connecting module for core-banking system for real-time account settlement.
  4. Provide services for people to receive debit cards immediately when they apply new bank account.

ProCMS

 (Card Management System for IC cards and magnetic cards)

  1. Provide services for people to receive debit cards immediately when they apply new bank account.

  2. FISC IC card specifications: (1)Specification of FISC system: Appendix 5 “Specification of IC cards shared system.”

  3. Integrate business module, communication module, security module into a single hardware box , which can lower the hardware, software, and management cost.

  4. Provide card management solution for branches, including card application, replacement, reissuing, reporting the loss, logout, and relating reports.

ProIB /WebATM

 (Internet Banking/Web ATM)

  1. Provide service for people to transfer money, pay fees and tax by IC card reader connected with PC.
  2. FISC IC card shared system specifications: analyzing electronic message, handling MAC, controlling transaction process, controlling timeout, and responding standard error code.
  3. Integrate business module, communication module, security module into a single hardware box , which can lower the hardware, software, and management cost.
  4. The card reader element can support 5 major browsers (Chrome / IE / Firewfox / Safari / Edge).
  5. Provide common format of Open API, JSON API, which can integrate all kinds of frontend UI(including RWD, Responsive Web Design)/Mobile APP, and also integrate electronic payment/mobile payment/social network payment and so on.
B.Mobile Payment solution

ProTGW-TSM
(Mobile payment TSM Gateway)

  1. A payment application on mobile phone. Must change SIM card or add carriers(e.g. SD card).

  2. This product is developed according to Taiwan mobile payment TSM Specification.

  3. Integrate business module, communication module, security module into a single hardware box , which can lower the hardware, software, and management cost.

  4. Provide virtual card management solution for branches, including data preparation, card application, replacement, reissuing, reporting the loss, logout, query, and relating reports.

ProTGW-HCE 

(Mobile payment HCE Gateway)

  1. A payment service for mobile phone. Only support Android system after version 4.4.

  2. This product is developed according to Taiwan mobile payment HCE Specification.

  3. Integrate business module, communication module, security module into a single hardware box , which can lower the hardware, software, and management cost.

  4. Provide virtual card management solution for branches, including data preparation, card application, replacement, reissuing, reporting the loss, logout, query, and relating reports.

  5. Flexible architecture can help old customers upgrade from TSM to HCE and new customer can implement it easily.

C.TCH Payment solution

ProeACH

(eACH gateway for joined banks)

  1. Provide services for people to debit bill, deposit, shop on internet, digital prepaid and so on by TCH(The Taiwan Clearing House) system of credit for load.

  2. TCH transaction specifications: (1)eDDA service sub-system. (2)eACH service sub-system.

  3. Integrate business module, communication module, security module into a single hardware box , which can lower the hardware, software, and management cost.

  4. Integrate Core-banking system and frontend systems (branch system and internet banking) to satisfy real time transactions and expansion of future business.

ProTGW-HCE
(Mobile payment HCE Gateway)

  1. A payment service for mobile phone. Only support Android system after version 4.4.

  2. This product is developed according to Taiwan mobile payment HCE Specification.

  3. Integrate business module, communication module, security module into a single hardware box , which can lower the hardware, software, and management cost.

  4. Provide virtual card management solution for branches, including data preparation, card application, replacement, reissuing, reporting the loss, logout, query, and relating reports.

  5. Flexible architecture can help old customers upgrade from TSM to HCE and new customer can implement it easily.

D.Digital Payment Solutions

ProePAY
(Digital Payment System)

  1. Provide digital payment business functions such as agent of paying and receiving, prepaid, transferring money and O2O payment.

  2. Follow the business and security control regulated by “ The rules of managing digital payment agencies.

  3. Functions include the modules: Member management, Store management, Transaction handling, Order management, Risk management, Funds custody, and account balance clearing.

Payment Gateway

  1. Receive all frontend payment channels such as online EC web, E-wallet APP, and entity stores then transfer to backend system of the banks to handle the cash flow.

  2. Integrate all kinds of payment tools (e.g. Credit cards, Debit cards, Deposit accounts, QR Code) then handle transactions, and follow the regulations as the some level of security control for financial transactions.

  3. Provide standard API or SDK for stores to connect, which can simplify the implementation and accelerate business expansion.