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Unified Payment Platform

Enabling retailers to digitize credit cards, gift cards, loyalty points and coupons into a single secure mobile wallet, the Rambus Unified Payment Platform creates a frictionless shopping experience for consumers.

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Product Brief

Creating a Frictionless Shopping Experience

The shopping experience has become one of the largest differentiating factors for retailers to compete in today’s marketplace. The Rambus Unified Payment Platform supports retailers in enriching this experience by making the in-store, check-out, and payment process hassle free by digitizing payment, gift, loyalty cards as well as coupons and receipts. Once digitized, these different payment currencies can be unified into a single transaction – either in-aisle or at a check-out station.

Retailers can use this platform to either upgrade their existing app into a payments mobile wallet or utilize the Rambus white label retail app. They can also integrate with existing gift cards and loyalty service providers or initiate their own programs.

Pay with credit cards, gift cards, loyalty points and coupons with the Unified Payment Platform

Enhancing Value with a Retail Mobile Wallet

Aggregating digitized payment and receipt data in the Unified Payment Platform enables retailers to make personal recommendations, driving higher average revenue per user (ARPU). Additionally, by digitizing and aggregating all the various methods used for payment, such as loyalty, gift, coupon and payment cards in a mobile wallet, retailers can reduce check out times, ultimately enhancing the customer buying experience and satisfaction.

Accelerating Mobile Wallet Adoption with Rambus UPP
Unified Payment Platform diagram

Unified Payment Platform Overview

How the Unified Payment Platform works

The Rambus Unified Payment Platform is comprised of number of software modules that interact with our bank-proven tokenization and Host Card Emulation (HCE) products to provide a secure and simple to use payment solution and frictionless shopping experience.

The core of the platform is the Digital Value Manager (DVM) which allows retailers to connect multiple third-party service providers and convert various forms of digital value into a unified currency.

The Retail Wallet Engine connects to the DVM software as part of the White-Label App, enabling full integration with mobile payment products and features digital card enrollment, card provisioning, coupons, and tokenization.  Additionally, the Retail Wallet Engine can be upgraded to include integration with Virtual Point of Sale (VPoS) capabilities and inventory management to enable one-click pay and auto-pay.

The White-Label App software allows retailers to get their branded app to market quickly. The app can be fully integrated with external service providers, providing consumers with all-in-one access to the retailer’s unified mobile wallet and value-added services.

Configurable modules provide retailers and merchant acquirers the ability to securely connect to third-party services, as well as integration with existing closed loop credit and debit cards, in house gift cards, loyalty and coupon schemes.

Unified Payment Architecture diagram

Unified Payment Platform Architecture

Solution Offerings

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Financial
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