Mobile Banking

Bank by using the menu of a mobile phone. This feature comes in a universal application for any phone models. It combines classic functionality of a mobile bank with the ability to safely conduct any payments. The client passes authentication to the system PODSIMKA using a PIN-code and may inquire the balance, block the card, effect payments for services, and look through the history of transactions and messages from the bank.

The application may be integrated with the existing SMS-banking portal or may address the bank services through the specially organized secure channel of the PODSIMKA system server. Such multifaceted decision allows users to use PODSIMKA in the most different spheres and gives the opportunity to banks to operate own applications “by air”. A completely protected and secure platform in combination with the reliable mechanism of authentification provides safety of the confidential data and the protection of the interests of the client.

	Mobile payments “over the air”. A mobile phone is a handy device, and if it is also a payment card, then it is twice as handy. Contactless bankcards, such as VISA Paywave, and Mastercard PayPass, in the mobile phone: is it possible? Yes!
	Public transport fare. Mobility of services conquers new peaks. It is no longer enough to be available 24 hours a day. There is a need for over-the-clock mobility of services that make our lives comfortable, even when it is concerned to everyday fare. Get your fare using the mobile phone with the service PODSIMKA. Now anyone can buy a travel ticket not only in the ticket office or with the driver, but also through the payment terminal, or literally “over the air” by paying for it from your bank account.
	Prepaid and accumulative cards. PODSIMKA provides new opportunities for the distribution of gift certificates, movie tickets and tickets for public events. Without leaving the house, the customer can purchase a virtual card or ticket through his mobile phone and give it to another holder of PODSIMKA by simply sending the card to his phone.
	Micropayments and P2P transfers. An innovative tool for e-money systems is the possibility of placing an electronic wallet on PODSIMKA and quickly transferring the funds between customers’ wallets.