ATM  |  POS

Lexcel's Transaction Origination products are designed to assist Development, Quality Assurance and Certification Analysts to implement new POS and ATM products and services faster and more efficiently, while ensuring utmost levels of quality. Most of these benefits accrue to the team supporting the Acquiring Host applications or device handlers.

The retail service delivery segment of the payment technologies industry relies heavily upon Point of Sale (POS) and Automated Teller/Banking Machines (ATMs/ABMs) to support the new and emerging next-generation payment types. Coupons, tickets, stamps, and customer rewards are quickly becoming necessary customer product offerings from merchants, meaning POS and ATM device manufacturers and processors must be able to implement and support new technologies quickly.

Existing POS and ATM devices are also being modified and upgraded at breakneck speed to accommodate these new technologies, as well as keeping pace with industry-initiated directives of Triple DES, Open Architecture Interfaces and EMV CHIP card acceptance and processing. Underlying these changes is the necessity to increase the number and speed of certifications while ensuring the quality of the testing being performed. There is absolutely no argument that the Acquiring Hosts development team benefits from having on-demand transaction generation functionality on their desktop.

Issuing Host and Transaction Generation:
Before CHIP Cards and EMV standards, it was the Acquiring Host development team that used Lexcel transaction generators most frequently.

But now, EMV-based CHIP Card transactions have introduced the need for the Issuing Host to interact with the CHIP Card and control the transaction process.

Today the Issuing Host's development team, their QC and UAT support groups also need access to on-demand desktop transaction generation capabilities. They now need the ability to drive good transactions, including ARQCs, as well as creating all of the failure or fault scenarios they have to support into their host application. Many of these transaction types, especially the faults and error conditions are not readily or easily recreated for testing and certification needs.

A new major challenge introduced with EMV is the need to support cryptograms in all EMV messages (ARQCs and ARPCs) and create large volume transaction scripts to simulate real processing loads, including peak volumes in excess of 600 TPS.

All parties involved in building, testing, implementing and supporting the devices and applications required for transaction generation, benefit from Lexcel TestSystem™ POS and Lexcel TestSystem™ATM sets of superior testing applications.