Excel Corporation (EXCC)

[DTGoody]

This sounds like VCOM/INGRESS Technology to me:

WHAT IS INGRESS PLATFORM? Ingress a global payments technology company, has successfully enabled mobile wallets such as Apple Pay and secured acceptance for EMV, Pay at the Table and Contactless Payments.
on-boarding to various platforms. Our products and services strictly adhere to PCI processing standards. EMV migration and PCI security Standards including encryption, eCommerce, mCommerce and e-wallet ongoing platform developments, a state of the art reporting technology offering ideal services for any partner.

INGRESS ON BOARD VARIOUS PLATFORMS. What are they trying to tell us? They have successfully enabled mobile wallets such as Apple Pay, Android Pay, Samsung Pay, and other platforms secured acceptance for EMV, Pay at the Table and Contactless Payments.

INGRESS PLATFORM is difference much better powerful than other Platform.

INGRESS Platform has the ability to secure Security, Compliance and Secure EMV Chip-based & NFC-enabled POS technologies.
Having INGRESS is like having the universal Platform.

Apple Pay, Android Pay, and most others use NFC to pass on transactions, and most services require an NFC-enabled terminal. ANOTHER WORD IF THEY DON'T HAVE THE NFC they do not function properly.

Turning up the heat on mobile wallet wars. The mobile wallet war has begun in earnest, but who will be victorious? According to Visiongain, there are around 140 million mobile payment users globally, and it expects that the global mobile payment market could grow to $556 billion by the end of 2016, or a compound annual growth rate of 30%.

Many of these e-wallet solutions are currently caught under two separate pieces. NFC-enabled terminal and unavailable to onboarding other platforms. Ingress have an excess of mobile payment the ability to onboarding to various platforms. This give EXCC a brandable mobile wallet with loyalty integration. Retailers soon realized the enormous potential mobile wallets have in their marketing efforts and INGRESS PLATFORM IS THEIR NUMBER ONE CHOICE.

https://www.mobilepaymentstoday.com/blogs/how-apple-killed-the-digital-wallet/

The have-nots, lead by Starbucks, PayPal, and MCX sought to store payment credentials in the cloud and execute payments with barcode, Bluetooth, Wi-Fi or other transmission protocols that could be executed with software-only solutions, while the haves argued that payment transactions could be executed smoothly only by securely storing payment credentials directly in on-device hardware. Google stood between the haves and the have nots, storing payment credentials in the cloud to avoid dependence on the MNOs’ SIM cards, but adopting hardware-based NFC as the method for transmitting credentials to point of sale devices. 
In October, Apple ended the tug-of-war. Apple incorporated its mobile wallet solution directly intoitsoperating system, and simultaneously incorporated a SIM-independent (and therefore MNO-independent) secure memory chip, an NFC radio, and a fingerprint reader. 
Apple Pay is a hardware/operating system combination designed to facilitate transactions everywhere the device goes. The operating system is the only be-everywhere alternative that can seamlessly interact with every application, every website and every bit or byte that crosses the mobile device.
By embedding the wallet into the device’s hardware Apple ensured that the next generation wallet will not be a software application, rather it will be as much a physical wallet as your current leather wallet is today. It is a fundamental and physical part of the device itself.
The physical nature of the wallet ensures that only Apple can manage it by way of its control over the operating system and the physical components of the device. Having this control ensures that the consumer, the device and the wallet act as a unified entity. The consumer buys the device, the wallet is part of the device and the wallet is how you transact via the device. Apple is the only player today that can provide this service across every device interaction. This means that Apple has a massive advantage in providing payment services that are executed with or within the device, and the universal control across the wallet components means that Apple can create a consumer experience that others cannot match.
On an Android device, only the operating system owner can provide a competitive solution. Google and Microsoft, and perhaps Amazon and/or others that truly fork Android andcontrol hardware are the only ones that can provide a similar solution.
So, we are left with the death of the digital wallet concept and only the physical wallet survives, but in a mobile form. What does this mean? It means that banks can pretty much give up on their plans to launch their own wallets, they will need to partner with the operating system owners, or go home.