mCommerce

Mobile commerce is the most dynamic area in electronic fund transfer industry today. Global Payments Europe provides its customers from both mobile and banking sector with a comprehensive set of services allowing them to capitalize on existing infrastructure and market position. GPE, being respected as regional technology leader, is providing mCommerce services to major banking groups and GSM operators.

Key Benefits

• Independent and Secured Processing
• Leveraging Existing Investments
• More Comfort to Users

Features list

• Invoice payments and top-up at ATMs – ATM application service
• Top-up recharge using an SMS messages – Easy Recharge System (ERS) service
• Invoice payments and top-up from mobile phones using an interactive dialogue – USSD Recharge System (URS) service
• Payments and transfers from mobile phones using a secured SIM application – SIM toolkit service
• Top-up recharge using POS terminal – POS application service

How It Works

ATM application service

• Additional service available at the ATMs.
• At the welcome screen the cardholder selects preferred service (top-up, payment, etc.), enters required data field, and verifies the transaction by entering PIN.
• Security is at the same high level as with an ATM cash withdrawal transaction.

Easy Recharge System (ERS) service

• No special SIM card application is needed
• Prior to usage the user registers for the service in a secured mode; the registration couples the bank card and mobile phone number. User is assigned a DPIN – a special code for mobile services.
• To top-up the user sends a message to mobile operator verified by DPIN
• Top-up request is verified at GPE and processed accordingly
• No card PIN or card number is transmitted in the SMS message keeping the high security requirements.

USSD Recharge System (URS) service

• No special SIM card application is needed
• Prior to usage the user registers for the service in a secured mode; the registration couples the bank card and mobile phone number. User is assigned a DPIN – a special code for mobile services.
• To top-up the user opens an interactive dialogue and enters required data; the request is confirmed by DPIN
• Top-up request is verified at GPE and processed accordingly
• No card PIN or card number is transmitted in the SMS message keeping the high security requirements.

SIM toolkit service

• Service available to users with a SIM card equipped with SIM toolkit application.
• SIM toolkit application provides both security and functionality level.
• User contacts his/her bank to activate SIM toolkit services.
• At operations the user selects application in SIM toolkit dialogue and proceeds accordingly.
• Request is verified at GPE and forwarded to further processing.

POS application service

• Application available for selected POS terminal models
• Merchant enters a top-up request and proceeds with transaction as usual
• Security is at the same high level as with an ATM cash withdrawal transaction.

FAQ

What is the difference between ERS and URS service?
The main difference is in communication method used between the user phone and mobile operator. ERS service requires the user to create a SMS message in specified format and send this message to the operator. USSD service opens an interactive dialogue between the phone and the mobile operator. The user enters all required information to data fields in the USSD menu fields.

What types of mobile phones are required for ERS/URS service?
No special feature is required for the mobile phones. ERS/URS service communicates via SMS or URS channel, which is a standard feature of a mobile phone available today.