The contactless card reader is the first part of a chain of processes for a successful financial transaction. We provide the flexibility for OEM customers to interface directly with the reader by making available a Software Development Kit (SDK). Alternatively, for customers who require a self-contained payment hardware bundle, we can supply a telemetry terminal that acts as the bridge between the contactless card reader and the back office.
In an EV charger application, the EV charger computer will interact with the telemetry terminal as part of the payment aspect of a charging session, but that is where the interaction ends. The telemetry terminal ensures the contactless reader carriers out the card transaction correctly and prepares an encrypted message containing cardholder data for the
Payment Service Provider (PSP). This can be sent directly or via a financial back office that links the numerous payment points in the field to the PSP. This software service can be the client’s own, Gemini 2000’s or provided by a third-party payment specialist. Once the transaction request is received by the PSP, it responds with an Accept and Decline message that is delivered back down the chain to the EV charger in order to proceed with charging the customer’s vehicle.
When the vehicle charging session is complete, the EV charger instructs the payment system with a final amount. This initiates a second message to the PSP, which formally triggers the bank transaction with the correct amount.