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Financial services
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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. The client gets not only the possibility to manage the wallet in the menu of his mobile phone and make payments in the network, but also to use his phone with PODSIMKA as a contactless payment card that is bound to the electronic wallet.
In order to make a payment with such a card in the physical world, it is enough to approve the operation in the PODSIMKA menu and to put one’s phone to the mobile phone of the payee. Transfer of funds between the wallets will be realized instantly and will be automatically reflected in the system.

znak.gifA similar mechanism of transmission financially valuable information from one client of PODSIMKA to another can be applied for transport tickets, tickets to the cinema, discount coupons and others. Client simply selects the object and mode of transmission: phones putting together or sending “over the air”, and PODSIMKA guarantees the safe transfer of information. Such innovative mechanics of interaction will attract attention, will enhance the popularity of new mobile services and will encourage the clients into "dialogue" with the company.

icon_g7.gifMobile 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!

icon_g6.gifPublic 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.
icon_g5.gifPrepaid 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.

icon_g8.gifMobile 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.