The nexo TMS protocol is the first international standard for terminal management. This open, universal, non-proprietary TMS standard prevents retailers becoming locked-in to suppliers. It supports mixed estates and allows additional functionality to be incorporated. The ability to delegate authority, allowing multiple parties to fulfill differing aspects of terminal management, is innovative and most helpful to both merchants and merchant acquirers. As an ISO 20022 standard it will ease integration with other card processing systems.
NEXO TMS PROTOCOL
NEXO TMS PROTOCOL
Open, universal, non-proprietary TMS standards ease interoperability and
facilitate multi vendors terminals estate
How does it work?
The nexo TMS Protocol provides an interface between a Terminal Management System (TMS) and a payment system. The protocol supports the functions for configuring, managing and maintaining the application parameters, the software and the security keys of a payment system.
The nexo TMS Protocol is based on a set of Terminal Management message definitions, including status report, management plan replacement, acceptor parameters configuration and management delegation.
A Point of Interaction (POI) contains some vendor-specific firmware and application software performing services beyond the pure card payment ones. It also contains electronic keys to ensure the protection of the data exchange by the POI with its external environment. The update of software and the downloading of electronic keys can be carried out either through a direct intervention on the POI itself or remotely by using a distant software application. While most manufacturers of terminals do provide a proprietary tool to achieve this objective, the advantage of relying on an open and common solution, such as the nexo TMS protocol, is to achieve a clear independence between the terminals on the field and their actual management and control at a distance.
Parameters actually influence the behaviour of the POI. In a nexo TMS environment, those parameters are under the control of a Terminal Manager (TM). The TM is itself controlled by a unique Master Terminal Manager (MTM), which has the total control of the POI System in terms of security, applicative, and maintenance services needed to manage a Terminal Management System (TMS). The Master Terminal Manager can delegate part or all of the TMS services to one or several Terminal Managers. Various actors can actually play the role of TM and MTM (for example, a Manufacturer, an Acceptor, an Acquirer, or a third party).
NEXO TMS protocol
The TMS protocol provides the following services:
- Software management (firmware, operating system, and application software)
- Parameter administration (storage, maintenance, and download of configuration parameters and cryptographic keys)
- Maintenance and device management (diagnosis of POI component functionalities with specific access rights)
- To face critical challenges in today’s global payment ecosystem, multinational retailers, retail banks and payment service providers are looking to gain competitive advantage through service differentiation. To do so, they need to control the maintenance and administration associated with the management of POS terminals, roll out new services rapidly, cutting cost of ownership while eliminating security risks and simplifying worldwide terminal deployment.
The benefits of using nexo TMS protocols for Acceptors, PSP or Processors are:
- The use of Universal ISO-based standard
- Access to non-proprietary common protocol
- The development of a fully integrated terminal management system
- The ability to gain independence from manufacturer
- To enable the capacity of deploying a mixed terminal estates
- To support multiple actors