FinTech, Digital Wallet & Contactless Payment Solutions
Business Challenge
Square1 Flex wanted to build a next-generation cashless payment ecosystem that enables customers to make secure payments using wearable bands linked to digital wallets. The platform also needed to support merchants in managing events, products, and customer access while ensuring enterprise-grade security and compliance.
Enable cashless payments using wearable bands and digital wallets.
Provide secure customer onboarding through ID verification and facial recognition.
Implement advanced security mechanisms including 2FA and biometrics.
Enable merchants to create and manage events, products, and customer access.
Support eCommerce transactions and event ticketing.
Provide real-time transaction visibility and reporting.
Integrate with third-party identity verification and payment services.
Toyaja Solution
Toyaja designed and developed a comprehensive Wearable Payments & Event Commerce Platform comprising native mobile applications, merchant management capabilities, digital wallets, and secure payment infrastructure.
Customer Features
Customer registration using driver’s license scanning and facial recognition.
Two-Factor Authentication (2FA) and biometric authentication.
Wearable band registration and linking through Barcode Scan and NFC.
Digital wallet creation and balance management.
Credit card integration for wallet funding.
Secure wearable band de-linking with 2FA.
Product and event browsing.
Shopping cart and checkout.
Event ticket purchasing and management.
Order history and transaction reporting.
Multiple shipping address management.
Merchant Features
Secure merchant login with 2FA.
Event creation and management.
Product catalog management with image uploads.
Customer access and permission management.
Event and product administration.
Transaction and sales reporting.
Security Features
Two-Factor Authentication (2FA)
Biometric Authentication (Fingerprint)
Face Recognition
Driver’s License Verification
Secure Device Registration
Encrypted Data Storage and Transmission
Role-Based Access Control
Third-Party Integrations
EZMCOM for identity verification and driver’s license scanning.
FIS APIs for digital wallet and payment processing.
RFID/NFC wearable band integration.
FIS Proxy, Serial Number, and SEID mapping.
Technology Stack
Mobile Application: Native Android
Backend Services: C# Web Services
Framework: Microsoft .NET / IIS
Database: Microsoft SQL Server
Authentication: 2FA, Biometrics, Face Recognition
Payment Integration: FIS APIs
Identity Verification: EZMCOM APIs
Wearable Technology: RFID / NFC Bands
Outcome
Successfully launched a secure cashless payment ecosystem powered by wearable technology.
Enabled frictionless payments using wearable bands and digital wallets.
Improved security through multi-factor authentication, biometrics, and identity verification.
Delivered an integrated platform supporting merchants, customers, products, and events.
Increased customer convenience through seamless payments and event commerce.
Established a scalable platform capable of supporting large-scale events and future digital payment innovations.
Key Benefits
Cashless payments using wearable technology
Native mobile application with digital wallet capabilities
ID verification, biometrics, and facial recognition security
Merchant event and product management
Event ticketing and eCommerce capabilities
Real-time transaction and purchase reporting
Secure cloud-based payment ecosystem with third-party integrations
