Mobile Wallet is a digital version of a physical wallet. Amongst its other functionalities it enables virtualization of payment cards and opens endless possibilities of introducing new and innovative value-added services to your end customers.
Mobile Wallet ensures the highest level of security and capability of performing proximity payments.
Mobile Wallet is based on HCE technology. HCE technology enables the virtualization of payment cards and provides their tokenized representation based only on software, leveraging cryptographic processes traditionally used by hardware-based secure elements without the need for a physical secure element.
Cloud-based payments system substitutes card sensitive data elements with a non-sensitive equivalent.
This process is undergone in order to provide maximum security of the mobile proximity transactions and avoid access to card sensitive data.
Mobile Wallet provides a detailed and clear overview of all completed transactions, transaction history with geo-location, and available balance, including daily limit counters.
Robust cloud platform supports all your business requirements, from enabling the virtualization of your payment cards to virtualization of contactless payment stickers, public transport tickets, loyalty cards, and coupons and access cards.
The possibility of implementation of additional value-added features, such as: withdrawal of cash from ATMs without the usage of physical cards, issuing of virtual e-commerce cards, P2P payments, loyalty programs, payment instalments, and many more.
Implementation of the HCE pilot and commercial launch for American Express with PBZ
Implementation of the HCE pilot and commercial launch for VISA with VUB Banka
Implementation of the HCE pilot and commercial launch for VISA with Banca Intesa Belgrade
Implementation of the HCE pilot and commercial launch for MasterCard with Banka Koper