Enhancing Payment Security and Usability for a Payment System

Project background 

Overview

The client has a mobile application within the National Payment System framework that facilitates the payment of goods and services in retail stores and online platforms. It supports various payment methods offered by the System for Fast Payments (SfFP), such as QR codes and website payment buttons. SfFP is a revolutionary platform that enables instant money transfers 24/7 between any bank in the country.

Our ongoing collaboration with one of the client’s biggest payment applications involves outstaffing a skilled developer for mobile app optimization, ensuring a smooth and secure user experience.

The client sought to improve and expand the application’s capabilities by introducing biometric functionality, enhancing security modules, and refining payment processes. The project involves tackling complex technical challenges and delivering high-quality solutions that align with the application’s nationwide user base.

Through this partnership, we provide dedicated resources to meet clients’ specific needs and align with their goals and the highest industry standards.

Project goals

• Introduce advanced biometric capabilities to streamline user authentication and improve app security.
• Ensure seamless user interaction by optimizing default payment methods (NFC or camera) for new and existing users.
• Enhance the payment process by resolving NFC-related defects and ensuring reliable functionality.
• Implement and refine the Hardware Security Module (HSM) for top-tier security compliance.

Challenges

• Creating compatibility between biometric features and various hardware configurations.
• Balancing default payment method preferences for diverse user scenarios, including NFC and camera-based options.
• Addressing critical defects in NFC payment functionality without disrupting ongoing services.
• Integrating a Hardware Security Module to enhance security while maintaining high system performance.

Our approach

Solution

Our approach involved a detailed analysis of the app’s architecture, followed by iterative development and rigorous testing. The work included implementing splash screens, updating rules for biometric information display, and dynamically configuring default payment methods for new and existing users.

For NFC, we conducted a thorough debugging process to identify and resolve payment issues, ensuring reliable performance across devices. The Hardware Security Module was integrated and optimized to bolster the app’s security framework.

To enhance the application, we implemented several key updates that addressed both user experience and security needs. The project began with the integration of a modern splash screen, which included updates to the rules for displaying biometric information. We introduced functionality to dynamically configure default payment methods, allowing users to choose between NFC and camera options based on their preferences, whether they were new or existing users.

Addressing critical issues with NFC payments, we conducted thorough debugging and optimization for reliable performance across various devices. Additionally, the integration and fine-tuning of a robust Hardware Security Module significantly enhanced the app’s security framework, meeting high industry standards and ensuring user data protection. These solutions collectively improved the usability, security, and overall reliability of the application.

Team

The team consisted of a dedicated developer with expertise in .NET and a project manager overseeing progress, ensuring efficient communication and alignment with client objectives.

Results

The mobile app optimization has significantly improved its usability and reliability. Users now benefit from intuitive biometric features and smooth payment processes, contributing to a more secure and user-friendly experience. Our work continues to support the client’s goal of delivering an innovative and trusted financial product.