Blockchain at the service of road accidents

TAS Iberia is launching the R&D&I PIELSEN project, which will develop a 3D homeostatic enveloping architecture to create a sensitive, intelligent, adaptive, and safe skin for building facades.

The body's ability to self-regulate to maintain internal balance in response to changes in the external environment is known as homeostasis. Human skin is a complex system that regulates the exchanges that occur between the internal organism and the external environment, whether they are thermal, acoustic, tactile, etc. As aids to this homeostasis, clothing and architecture must compensate for any differential that causes biological imbalance.

In this way, architecture is conceived as the human response to the aggressive factors of the environment in order to create conditions that make inhabiting a territory possible. The facades' envelopes are designed to fulfill a role similar to that of skin. They must always be designed to provide a coordinated response through interconnection with the rest of the building system’s components, generating an interstitial space between elements that can be understood as a homeostatic skin, reacting according to its environment and preserving the interior conditions of the dwellings, thus ensuring the habitability and health of the occupants.

From this premise comes the R&D&I project "PIELSEN: 3D Homeostatic Enveloping Architecture to create sensitive, intelligent, and adaptive skin for building facades," funded by the Ministry of Science, Innovation, and Universities under the 2017 Retos-Colaboración call. TAS Iberia, a leader in software, financial services, and sectors requiring a high level of communication and network security, has excellence partners including: FCC Construcción; Camilo José Cela University; and the Polytechnic University of Madrid through the Energy Efficiency and Internet of Things group of the Comprehensive Domotics Center (CeDInt-UPM). The project is expected to be developed over 36 months (2018-2020).

The PIELSEN System provides a new architectural element that is technically and economically viable, developed with a concept between bioclimatic architecture and Smart building. This is highly sought after today by a society increasingly aware of environmental issues, sustainability, and nature, leading to the development of solutions not only in the field of architecture and construction but also advancements related to their impact on health, well-being, the environment, energy resources, and technological innovation.

The goal is to create a skin, pores, and folds for buildings that can even generate their own energy (solar, wind, electrostatic, wind, piezoelectric...), integrating as a smart and innovative construction solution aimed at a market that reduces costs for end consumers, increases the use of clean energy, and focuses on studying the following innovations.

The research project aims to develop cutting-edge technological topics with future projection, including: cryptosystem security, closed blockchain, IoT systems based on SOA architectures, embedded devices, new sensors and biometric systems, environmental monitoring, FPGA RF/5G/IP, cloud control with Artificial Intelligence systems (AI, Machine Learning & Deep Learning), smart envelopes, Smart Cities, and Smart Building.

Milan, September, 2024 - We are proud to be among the Top 100 in the IDC FinTech Rankings for the 16th consecutive year, as a global provider of innovative solutions in card management, digital payments, financial messaging and capital markets.

The IDC FinTech Rankings evaluates and categorizes the top IT vendors based on 2023 calendar year revenues and the percentage of revenues exclusively attributed to financial institutions, including banks, capital markets firms, and insurers or directly to fintech solution providers for hardware, software, and/or services.

TAS announced the full operation of its services as a new Application Center in Italy.

The request by TAS to operate within the SITRAD (System for Telematic Data Transmission) as a standardized Application Center was approved by the CIPA Steering Committee on 24 May 2022.

From the following 1st July, TAS (in collaboration with Nexi Payments) began to provide a wide range of services related to domestic interbank applications through SITRAD, including Interbank Commercial Collections, Check Image Truncation and other fundamental interbank procedures such as Archive Alignment and Transferability, Portfolio Provisions, Transfers between Banks, Free Messages, Documented Operations and Interbank Charges Detection.

Starting from September 2023, TAS (in collaboration with Nexi Payments) has successfully activated the first banking group, Banco BPM, for the Check Image Truncation application, followed in April 2024 by the Crédit Agricole Italia group for the same application, while Banco BPM completed the activation of all services in the same month.

With the full commencement of operations as an Application Centre, TAS continues to demonstrate its commitment to providing cutting-edge solutions in the payments and financial services sector in Italy and beyond.

PierLuigi Bellinazzi, TAS Domestic ACH Manager, comments on this significant achievement: "Since the first days of my work at TAS way back in 1998, I have cultivated the ambition of seeing the company evolve into a Service Centre. Today I am therefore very proud, together with all our colleagues at TAS, to have become part of the small group of Italian Application Centers (Nexi Payments, BCC Sistemi Informatici, equensWorldLine and BANCOMAT). Thanks to our new status as an Application Center, we will be able to offer even more complete and attractive for services for Financial Institutions looking for solid and reliable partnerships in the field of financial operations."

The revolution of Financial Transfers across borders continues for an increasingly digitalized, fair, and efficient Europe.

The recent approval by the European Parliament of new regulations on instant payments marks a new turning point in the payments landscape within the European Union.

The recent provisions, which will come into effect 20 days after publication in the Official Journal of the EU, aim to ensure the promptness of money transfers between consumers' and businesses' accounts, representing a significant step towards greater financial efficiency and security.

With the new rules, all payment service providers must offer customers the possibility to make instant transfers that take no longer than ten seconds from approval, at any time and day. This will result in almost immediate liquidity for individuals and businesses, promising to significantly improve the daily operations of millions of Europeans. Additionally, the costs of instant payments must not exceed those of regular transfers.

The new regulation also outlines an efficient process for handling multiple orders of instant fund transfers sent in bundles to Payment Service Providers (PSPs), with particular attention to businesses in business-to-business (B2B) payments. When a Payment Service User (PSU) sends a package of instant fund transfer orders, the receiving PSP must immediately split the package, turning each order into individual transactions of instant credit transfer.

Furthermore, currently, payment and electronic money institutions are excluded from the definition of "entity" in Directive 98/26/EC, limiting their participation in instant euro transfers. The regulation aims to include them, allowing them to participate in Payment Systems and contribute to the adoption of instant fund transfers.

Another significant aspect of the regulation is the applicability of the new rules even in member countries that do not use the euro as the official currency, provided their bank accounts support regular euro transactions. This will ensure widespread sharing of the benefits of instant payments, further promoting economic integration among EU countries.

The new regulation emphasizes the importance of anti-fraud measures, requiring payment service providers to implement advanced fraud prevention systems and offering consumers tools to limit risks, such as the ability to set a maximum amount for instant transfers.

One of the main novelties is also the obligation for payment service providers to verify the correspondence of beneficiary names and IBANs for all transactions.

Additionally, the regulation ensures universal access to instant euro fund transfers for all Payment Service Users (PSUs). It states that there should be no disparities in the channels used to initiate instant payments compared to other types of fund transfers.

TAS's solution for Instant Payments fully covers compliance with the new regulation, with the possibility of adopting the platform modularly and as a service.

Thanks to ur long-standing relationships with most Italian banks, TAS has become a leader in Instant Payments solutions in Italy and has in-depth market knowledge and a unique ability to meet the needs of financial institutions in the product adoption journey.

With its expansion across Europe, TAS is well-positioned to drive innovation in the instant payments sector, offering a comprehensive, modular, and innovative solution that meets the needs of Italian and European banks.

Our commitment is indeed to be a true partner for banks, working closely with them to understand and meet their specific needs.

The modularity of the solution allows banks to choose only the necessary components and design a tailored architecture based on their specific requirements. Additionally, our solutions are based on a modern architecture designed to ensure complete service continuity, with real-time operations 24 hours a day.

Our offering model is based on a very flexible approach and can be implemented in the cloud, on-premises, or in SaaS mode, allowing for rapid and effective time to market.

Key features of TAS solution:

• Full compliance with SEPA Inst protocol requirements: complete processing time <10 sec., Timeout management.
• Cloud-native platform: for a turnkey offering with real-time 24 × 7 operations.
• Omni-channel: corporate portal, retail banking, back-office, etc.
• API interfaces: for payment initiation, reachability, and message requests.
• Message enhancement: message data enrichment through integration with core banking.
• Message screening: message verification through integration with screening systems (e.g., AML, Fraud, etc.).
• Message pairing and r-messages: Pairing of related messages and management of r-messages.
• "Four Eyes" principle: workflow can be defined with multilevel approval processes wherever necessary.
• Error alert: notifications can be sent in case of errors.
• Scalability and fault tolerance: the solution ensures full vertical and horizontal scalability.
• Certified full SWIFT message interface: the message network interface is a fully certified SWIFT application.

Contact our experts to find out how TAS can support you in implementing fast, effective, secure, and fully compliant solutions with the new regulations.