Open Payment Initiative
Encyclopedia
The Open Payment Initiative, or O.P.I. for short, was launched to standardize the application interface between the EPOS application and any cashless payments solution installed on the EFT
/PoS terminal. The specification for this interface
focused mainly on international and cross-industry aspects. Today, the O.P.I. interface is already a de facto European standard, which is spreading from Germany to retailing and mineral oil projects throughout Europe.
The specifications, which were first published in 2003, and reference installations are based on the POS EPS specifications from IFSF (International Forecourt Standards Forum), which were developed for the service station industry and to which retail features have been added. The universal O.P.I. interface has made it possible to integrate varying EFT/PoS solutions in European POS projects for the first time.
It is an XML
-based interface. Communication takes place via TCP/IP. The XML messages are exchanged over two sockets that are referred to as channels (channel 0 and channel 1). The original OPI/IFSF specification defines three message pairs:
Using the O.P.I. interface gives a payment solution access to the PoS peripherals, e.g. to a PoS printer to print out receipts, a display to output messages to the cashier or cardholder, or a magnetic card reader.
Decoupling the interface in this way increases its flexibility for integration in international, solution and industry-specific scenarios for users as well as for PoS and payment solution providers, and therefore also protects their investments.
Electronic funds transfer
Electronic funds transfer is the electronic exchange or transfer of money from one account to another, either within a single financial institution or across multiple institutions, through computer-based systems....
/PoS terminal. The specification for this interface
Interface (computer science)
In the field of computer science, an interface is a tool and concept that refers to a point of interaction between components, and is applicable at the level of both hardware and software...
focused mainly on international and cross-industry aspects. Today, the O.P.I. interface is already a de facto European standard, which is spreading from Germany to retailing and mineral oil projects throughout Europe.
The specifications, which were first published in 2003, and reference installations are based on the POS EPS specifications from IFSF (International Forecourt Standards Forum), which were developed for the service station industry and to which retail features have been added. The universal O.P.I. interface has made it possible to integrate varying EFT/PoS solutions in European POS projects for the first time.
Versions
| Version | Description | Published |
|---|---|---|
| 1.2 | EFT-Standard Interface for POS Applications | Febr. 2003 |
| 1.2.1 | EFT-Standard Interface for POS Applications | Sept. 2003 |
| 1.3 | EFT-Standard Interface for POS Applications | Febr. 2005 |
Technical solution
The O.P.I. interface implementation does not depend on a specific operating system.It is an XML
XML
Extensible Markup Language is a set of rules for encoding documents in machine-readable form. It is defined in the XML 1.0 Specification produced by the W3C, and several other related specifications, all gratis open standards....
-based interface. Communication takes place via TCP/IP. The XML messages are exchanged over two sockets that are referred to as channels (channel 0 and channel 1). The original OPI/IFSF specification defines three message pairs:
Card Request/Response (channel 0)
Service Request/Response (channel 0)
Device Request/Response (channel 1)
Using the O.P.I. interface gives a payment solution access to the PoS peripherals, e.g. to a PoS printer to print out receipts, a display to output messages to the cashier or cardholder, or a magnetic card reader.
Decoupling the interface in this way increases its flexibility for integration in international, solution and industry-specific scenarios for users as well as for PoS and payment solution providers, and therefore also protects their investments.
International installations
Since 2003, the O.P.I. interface has been deployed by various software and EFT/PoS solution providers in numerous projects in Germany, France, Ireland, Austria, Portugal, Switzerland, UK and Denmark.External links
- International Forecourt Standards Forum: http://www.ifsf.org
- O.P.I. Open Payment Initiative: http://www.wincor-nixdorf.com/internet/com/Products/Software/Retail/StoreITstardard/OPI/Main,version=11.html
- O.P.I. payment interface proves itself internationally: http://www.wincor-nixdorf.com/internet/com/press/pressreleases/06opi/06opi,templateId=BusinessCategoryPressDetail.jsp.html