M-Wallet                                    It is the innovative solution that transforms the normal GSM phone into a secure transactions terminal in the hands of every customer. It is based on the smartcards for mobile phones technologies and standards, so it works on almost any GSM phone providing the highest level of security and usability at the same time. It allows for secure mobile payment, secure e-commerce and secure mobile banking. This adaptable and flexible platform opens endless opportunities to Governments and GSM operators to provide ubiquitous payment services to their customers.           F eatures   B enefits    • ATM security standards.   • Highest level of security, matching ATM security.   • Multiple ATM debit/credit card usage.   • Based on J2ME and smart cards.   • PIN-based.   • Ease of use.   • Uses ATM PIN number   • Convenient.   • All transactions are on-line   • Mobile independent.   • Based on the USSD technology   • Global coverage.   • M-Wallet runs on any Java mobile phone and/or SIM card.   • No change in bank’s infrastructure.       • Application can be expanded to accommodate more services over the air.   W hat you can do?   • Immediate roll-out available.   • All cashless ATM transactions   • Pay anywhere, anytime to anyone.   • Balance Inquiries.   • Secure e-commerce.   • Transfers ,Bill payments   • Uses ATM PIN, no new password needed for   • Secure E-commerce   authorizing transaction.   • Mobile top-up, Purchase of Pre-paid cards   • Totally transparent to issuer bank.   (International calling cards, Internet cards…etc)   • Radically eliminates charge-backs and their huge costs   • Person-to-person payment             Integration and Development services.   Custom development of reliable standards-based card transactions systems, ranging from basic EFT terminals to high-end card transactions switches.