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End-to-End Contactless/NFC Payment and Promotion Solution

ViVOtech has developed an end-to-end contactless/NFC payment and mobile marketing and promotion solution that allow consumers to make easy payments with radio frequency-enabled credit cards, debit cards, key fobs, and NFC-enabled mobile phones. These innovative solutions enable:

  • Existing merchant systems to accept contactless card, fob or phone payments with minimum changes.
  • Secure issuance of over the air (OTA) credit, debit, prepaid and loyalty cards to mobile phones.
  • Targeted provisioning of coupons, promotions, loyalty and messages to mobile phones in a SPAM-free authenticated network.
  • Next-generation contactless gift and loyalty programs based on contactless and OTA technology and intelligent transaction processing.

Hundreds of thousands of ViVOtech products are currently in use in over 25 countries and have been recognized with several industry awards.

ViVOtech’s End-to-End Contactless/NFC Payment and Promotion Solution Diagram:


Contactless Terminals for Merchant Point-of-Sale (POS) System: ViVOtech produces the best-selling ViVOpay line of contactless payment reader/writers. These systems enable existing merchant POS locations to accept contactless payments with minimum changes. ViVOpay readers and writers also allow merchants to accept coupons, promotions, and tickets from their customers electronically and support both EMV and MSD contactless payment programs from American Express, Discover, JCB, MasterCard, and Visa.


Infrastructure Software for NFC Mobile Phones and OTA Mobile Network: ViVOnfc software suite enables NFC and Over-the-Air (OTA) mobile infrastructure. ViVOtech offers two server architecture to allow mobile carriers and banks to control their own domains and equally collaborate to provide mobile payment applications to their customers.

  • ViVOnfc Issuer Server, VnIS, is a dedicated server that sits in the premises of credit/debit/prepaid card, coupon, promotion, and ticket issuers. Placed behind the firewall, VnIS allows these issuers to manage and provision their data over-the-air into mobile phones while managing data security.
  • ViVOnfc Control Server, VnCS, is a server that is designed to be operated by or on behalf of mobile phone carriers and allows card provisioning, coupons, ticket, promotions and advertising over-the-air into NFC mobile phones on a per-charge basis. This creates additional revenue streams as well as stronger customer retention for operators.
  • ViVOwallet is an easy to use NFC mobile phone application that allows the download of cards to the mobile phone in just a few steps and to easily manage and redeem promotions, coupons and marketing messages at the Point of Sale using NFC technology.

The ViVOnfc solution has been used successfully in various NFC trials to provide OTA provisioning of cards and now coupons into NFC mobile phones, use of smart posters to collect coupons and gather product information, and to use wallet software to make payments.

Mobile Marketing, Loyalty and Prepaid Applications: ViVOapps™ is a suite of software applications from ViVOtech that enables personalized and location-based mobile marketing and promotions, advanced mobile loyalty programs and mobile merchant gift cards on existing and new NFC-enabled mobile phones. ViVOapps allows merchants to engage consumers throughout their shopping experience by making use of  NFC “Touch Points” located through their path to purchase to influence consumer behavior and drive traffic, loyalty and increased sales and revenues.

For more information, please contact us