Lumin Digital Integrations

The Wallet app is conveniently located on your iPhone, serving as a secure hub for your credit and debit cards, identification documents, transit passes, event tickets, keys, and much more, all organized in one accessible location. This functionality extends to both your iPhone and Apple Watch, allowing you to travel light while having everything you need at your fingertips. By leveraging the inherent privacy and security features of the iPhone, Wallet is designed to safeguard your identity and ensure that your personal items remain protected. When utilizing Apple Pay for transactions, a unique transaction code is generated, meaning your card number is never disclosed to merchants or stored on Apple’s servers. Additionally, this feature eliminates the necessity of handling physical cards or interacting with buttons in retail environments, enhancing your overall shopping experience. Consequently, you can confidently navigate through your purchases, enjoying a heightened sense of security and convenience.

With the innovative Google Wallet, you can conveniently store all your important items in a single location, regardless of your location. Access everything from payment cards and loyalty cards to concert tickets directly from your Android device. By adding your payment cards to Google Wallet, you can effortlessly tap to pay wherever Google Pay is accepted, ensuring that your personal payment information remains private and secure. Enjoy the convenience of carrying metro cards, airline tickets, and bus passes on your smartphone. Stay updated on any changes to departure times with real-time information sourced from Google Search, and easily top up your transit card balance right in Google Maps. This proactive approach allows you to monitor your funds so you can refill before running low. Furthermore, by incorporating your loyalty and gift cards into Google Wallet, you'll ensure that you never miss out on opportunities to save money, keeping all your rewards organized and easily accessible to maximize savings on daily purchases. With Google Wallet, managing your essential items while on the go has never been more streamlined.

Alacriti's Orbipay Payments Hub is a cloud-native platform that adheres to ISO 20022 standards, aimed at modernizing and securing payment infrastructures for financial institutions. This innovative solution provides comprehensive payment orchestration across various networks, such as TCH’s RTP, FedNow Service, Visa Direct, Fedwire, and ACH, all within a cohesive and secure environment. With its microservices-based framework and open APIs, the platform allows for effortless integration with existing core, digital banking, fraud detection, and risk management systems, which streamlines deployment and enhances scalability. Furthermore, Orbipay features intelligent payment routing capabilities, enabling institutions to establish dynamic rules based on cost, speed, and reliability, thus optimizing transaction processing efficiently. In addition, its built-in fraud and risk management tools offer real-time monitoring and compliance checks, which bolster security and minimize operational risks. Ultimately, Orbipay represents a forward-thinking solution that empowers financial institutions to adapt to the evolving landscape of digital payments while maintaining high standards of security and efficiency.