Biometric-enabled Zero Fraud Core
Powered by ICBA Framework
The core that processes payments.
The framework that eliminates fraud.
BfzCore is an end-to-end core payment processing platform with ICBA-powered biometric authentication embedded at every layer — from card issuance and onboarding to authorization, settlement, and fraud management. Supporting Visa, Mastercard, RuPay, and Amex across card, online, and mobile channels.
Visa · MC · RuPay · Amex
Issue to Settle
Biometric every layer
By architecture, not policy
BfzCore covers the entire card lifecycle — from customer onboarding and card issuance to transaction authorization, fraud prevention, settlement, and dispute management. ICBA biometric authentication is embedded at every critical touchpoint.
Customer origination, CIBIL score & KYC verification with ICBA biometric enrollment
Origination system with automated approval workflows and BIX applet provisioning
Card management, token embossing services & PIN management — all ICBA-secured
Hardware Security Module integration for cryptographic key management and PIN processing
cPerso integration for card printing, embossing, and personalization at enterprise scale
End-to-end card fulfillment tracking from production to customer delivery
Issuer switch with real-time ICBA biometric verification before every transaction approval
ISO 8583 message connector for interoperability with card networks and acquirers
Real-time fraud detection with ICBA biometric signals, velocity checks & behavioral analytics
Real-time velocity controls, spend limits, geo-restrictions, and channel-level card management
Dispute and chargeback management with case tracking, resolution workflows & evidence handling
Clearing house integration, reconciliation, accounting & clearing house statement processing
Unlike bolt-on security, BfzCore has ICBA biometric authentication woven into the fabric of every processing layer. From the moment a customer onboards to every transaction they make — their biological identity is the key.
Biometric enrollment during origination. ICBA links the customer's biological identity to their card from day one.
The issuer switch verifies biometric identity before approving any transaction — replacing OTP with face or fingerprint via ICBA.
Biometric signals feed the fraud management engine. Transactions without valid biometric match are flagged or blocked in real-time.
Card management and PIN operations secured by ICBA — PIN resets, card controls, and token provisioning all require biometric proof.
ICBA biometric enrollment
BIX applet provisioned on card
Biometric-linked personalization
ICBA verifies at authorization
Biometric signal validation
Biometric-verified clearing
Process transactions across all major card networks with unified ICBA biometric authentication at the issuer level.
ICBA-integrated processing
ICBA-integrated processing
ICBA-integrated processing
ICBA-integrated processing
Issuer switch with ICBA biometric verification at the authorization layer. Real-time decisioning with biometric signals, velocity checks, and balance validation.
Real-time fraud detection combining ICBA biometric signals with behavioral analytics, velocity controls, and rule-based engines. Fraudulent transactions blocked before authorization.
Clearing house integration with automated reconciliation, accounting entries, and statement processing. Complete audit trail with biometric verification records.
End-to-end dispute management with case tracking, evidence collection, and resolution workflows. ICBA biometric proof provides irrefutable transaction evidence.
Integrated reward system with point accrual, redemption tracking, and configurable loyalty programs tied to cardholder profiles.
mGate integration for real-time transaction alerts, OTS notifications, and customer communications across WhatsApp, SMS, and in-app channels.
BfzCore integrates with BNPRS product suite and external systems to deliver a complete payment processing ecosystem.
Delinquency management & recovery
Bureau & field data integration
Role-based server access & permissions
GL entries & financial reporting
Acquirer management & routing
Issue tracking & resolution workflows
Customer-facing mobile applications
ISO 8583 message interfacing
Hardware Security Module for key management, PIN processing, and cryptographic operations.
Card personalization, printing, and embossing with BIX applet provisioning.
Multi-channel notification engine for transaction alerts and customer communications.
Terminal management for remote updates, key injection, and fleet monitoring.
Enterprise-grade infrastructure with ICBA biometric security at the core.
Compliant processing
PIN security standard
Chip card standard
Message standard
Deploy BfzCore as your end-to-end issuing and processing platform with ICBA biometric security built in — not bolted on.