Integrated Retail Payment Solution Link to heading

Commercial Project Overview Link to heading

As a senior developer on the Coles Pay project, I designed and implemented the login and identity orchestration system powering Australia’s largest retail network’s digital wallet solution. My primary focus was handling the complex migration of legacy users from flypay.com.au while building robust identity management with multi-factor authentication.

Platform Integration Link to heading

Retail Ecosystem Connection Link to heading

• Seamless Flybuys integration - collect and redeem points in one transaction
• Multi-brand support - Coles, Liquorland, First Choice Liquor online and in-store
• Unified digital wallet - all payment methods and loyalty cards in one place
• Real-time inventory integration - synchronized with Coles’ retail systems
• Cross-platform availability - web, mobile, and in-store POS integration

Payment Capabilities Link to heading

• Split payment functionality - combine cards, points, and gift cards
• Multi-gift card support - link up to 5 gift cards per transaction
• Flexible redemption - redeem up to 40,000 points ($200) per transaction
• Universal card support - Mastercard, Visa, American Express accepted
• Zero merchant fees - no additional costs for retailers or consumers

Technical Architecture Link to heading

Payment Orchestration Design Link to heading

• Multi-provider routing - intelligent payment method selection
• Real-time balance checking - instant verification across all linked accounts
• Transaction splitting logic - seamless distribution across payment methods
• Fallback mechanisms - ensuring transaction success through redundancy
• Compliance integration - meeting PCI DSS, AUSTRAC, APRA and retail banking requirements

Retail Systems Integration Link to heading

• POS system connectivity - direct integration with in-store terminals
• Inventory synchronization - real-time product and pricing updates
• Loyalty program APIs - seamless Flybuys point calculation and redemption
• Customer data management - unified profile across all Coles services
• Analytics integration - comprehensive transaction and behavior tracking

Technical Contributions Link to heading

Identity & Login Orchestration Link to heading

• Legacy user migration system - automated migration of tens of thousands of users from flypay.com.au
• Multi-factor authentication - robust identity verification for mismatched email/phone scenarios
• User matching algorithms - intelligent matching of legacy accounts with new registrations
• Comprehensive error handling - automated user combination without manual verification
• Identity conflict resolution - systematic handling of non-matching user data points

Security & Compliance Link to heading

• PCI DSS compliance - meeting stringent retail payment standards
• AUSTRAC compliance - anti-money laundering and counter-terrorism financing requirements
• APRA regulatory standards - adherence to prudential requirements for payment systems
• Industry codes of conduct - compliance with retail and payment industry standards
• Customer data protection - GDPR and Australian Privacy Act compliance
• Encryption standards - end-to-end protection for sensitive information
• Audit trail systems - comprehensive transaction logging for regulatory compliance
• Access control management - role-based permissions for retail staff

Integration Challenges Link to heading

• Legacy system connectivity - bridging modern APIs with established retail infrastructure
• Multi-state rollout - phased deployment across different geographic regions
• Peak load handling - managing transaction spikes during sales events
• Cross-platform consistency - uniform experience across web and mobile
• Third-party API orchestration - coordinating multiple payment and loyalty services

Business Impact Link to heading

Retail Innovation Link to heading

• Industry-first integration - pioneering combined payment and loyalty experience
• Customer retention improvement - streamlined shopping experience increasing loyalty
• Transaction value increase - split payment options encouraging larger purchases
• Operational efficiency - reduced payment processing time at checkout
• Zero fee model - competitive advantage over traditional payment solutions

Technical Scalability Link to heading

• Multi-million user capacity - supporting Coles’ extensive customer base
• Cross-state deployment - scalable architecture for national rollout
• Peak event handling - managing transaction loads during major sales periods
• Integration flexibility - adaptable to future retail technology changes

Professional Development Link to heading

Retail Fintech Expertise Link to heading

• Large-scale retail payment systems - experience with Australia’s biggest retail network
• Loyalty program integration - complex point calculation and redemption logic
• Multi-tenant architecture - supporting diverse retail brands within one platform
• Regulatory compliance - navigating PCI DSS, AUSTRAC, APRA standards and retail banking regulations

Identity Orchestration Mastery Link to heading

• Large-scale user migration - seamlessly migrating tens of thousands of users from legacy systems
• Identity conflict resolution - advanced algorithms for matching users with mismatched data
• Multi-factor authentication - sophisticated identity verification workflows
• Legacy system integration - bridging modern identity systems with established retail platforms

This role provided deep expertise in identity management systems, large-scale user migration, regulatory compliance (PCI DSS, AUSTRAC, APRA), and the unique challenges of merging legacy retail platforms with modern identity orchestration at massive scale.