INSTANT PAYMENTS

Instant payments ensureS that the payment message transmission and availability of resources to the end user is done in real time or near real time (approximately 20 seconds), available 24 hours, 7 days a week.

DINAMO Networks´s HSMs are the equipment that are used by the Central Bank to ensure security and improve the processing performance of cryptographic operations. Tests conducted by the organization have shown a significantly high performance gain when cryptographic processing is done on to HSM. In addition, DINAMO´s appliances have native modules for these operations.

How does it works?

The lender or payer generates a QR Code with purchase / transfer data

• The payer / lender reads the QR Code via mobile and authorizes the payment to your institution (PSP).
• The institution carries out some checks / validations for the authorization of  the operation.
• BACEN  intermediates the process
• The recipient’s credit institution (PSP) receives credit notification from BACEN and credits the recipient’s account.

What is the role of our HSMs?

For the transfer and validation operation we can add:

• Encryption Transaction
• Validation / Signature Operation
• Secure  message exchange for operation

Who are our customers?

• Paying PSP (Banks and Card Operators)
• PSP Creditor (Banks and Card Operators)
• BACEN

Differentials

• We were selected by the Central Bank for the national instant payment system (SPI)
• We have equipment already tested and validated by the financial market and approved by ITI.
• We already have experience with the implementation of the Brazilian Payment System.
• We support a large number of encryption methods.
• We are the best choice for private key storage
• We  support XML encryption / signing natively.