Tokenized CNP & Direct Bank Terminal Transfers
🌐 International Visa Merchant Account – Payment Gateway
Empowering strategic capital flow through a secure, compliant, and intelligent payment infrastructure.
Secure Payment Overview
JMDICT institutional settlements are processed as secure online sales via a pre-authorized Tokenized Card-Not-Present (CNP) framework and direct Bank Terminal Transfers. This architecture ensures the highest level of security and control for high-value institutional disbursements conducted as digital transactions.
Core Transaction Frameworks:
1. Visa Cloud Tokenized CNP Online Sale
- Uses 4- or 6-digit network-issued tokens (replacing the full PAN) for secure online sales authorization. No CVV required.
2. Bank-Loaded Card (Visa CNP) Online Sale
- Uses 4- or 6-digit bank-issued tokens with pre-authorization for fully bank-controlled CNP online sales. No CVV required.
3. JMDICT MID/TID Bank Terminal Transfer (Online Sale & Offline / Bank-Controlled)
- Enables direct, pre-authorized settlement from a partner bank directly to JMDICT’s acquirer account via specific Merchant (MID) and Terminal (TID) IDs.
- This is processed as a CNP online sale and Offline –classified institutional transfer, but executed in a controlled bank environment.
- Requires no card-present interaction, no CVV, and no PIN.
Overview
The International Visa Merchant Account – Tokenized CNP & Direct Bank Terminal Transfers is engineered exclusively for institutional and project financing. It is not designed for retail e-commerce or consumer transactions.
This infrastructure supports institutional capital movement only, providing a secure, traceable, and auditable channel for funding sustainable development and humanitarian projects globally.
Each transaction represents a programmatic, pre-authorized, CNP online sale or direct bank terminal transfer, linked to a specific project and governed by rigorous compliance protocols.
Institutional-Grade Payment Framework
- Dedicated Payment Gateway: All transactions are executed via a secure gateway, eliminating the need for physical POS terminals.
- Tokenized CNP Online Sales: Utilizes 4- or 6-digit network- or bank-issued tokens to authorize high-value institutional transactions. No CVV is required.
- Direct Bank Terminal Transfers (MID/TID): Pre-authorized settlements executed from partner banks directly to JMDICT’s acquirer account, classified as CNP Online Sales.
- Full Auditability: Every transaction is traceable and recorded via immutable logs from initiation to settlement.
- Pre-Authorization & Compliance: All transfers are pre-cleared and approved, fully aligned with FATCA, PCI DSS, KYC, AML, and international banking regulations.
Key Features
- High-Value, Low-Frequency Transactions: Designed for institutional disbursements and project financing.
- Secure Capital Flow: All transfers are tokenized, encrypted, and verified before execution.
- Transparent & Mission-Driven: Funding is linked to defined projects with UN entities, government ministries, or qualified private-sector partners.
- Institutional Control: Only authorized personnel can initiate transactions; retail fraud controls and behavioral scoring are disabled as they are unnecessary.
Purpose & Use
This infrastructure operates as a strategic financial pipeline, channeling verified investment capital directly into sustainable development and humanitarian projects worldwide. It is not a public-facing checkout system but a secure mechanism for banks, investment entities, and development partners requiring:
- Transparent, auditable transactions
- Efficient and compliant global fund transfers
- Assurance of institutional-grade operational control
Compliance & Security
- Pre-Authorized & Tokenized: Every transaction is pre-approved and uses cryptographic tokenization.
- Fully Aligned: Compliant with FATCA, PCI DSS, KYC/AML, and other international banking regulations.
- Guaranteed Liquidity & Risk-Free Execution: Funds are pre-settled and immediately available for authorized project disbursement.