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svog racuna na racun primaoca - trgovac,
provajder ili fizicko lice. Ovaj nalog je pot-
pisan sertifikatom koji je uskladisten u SIM
kartici na osnovu PKI tehnologije.
Mellon je iskoristio postojeu in-
frastrukturu postojeeg "PlatiMo" sistema
putem licem u lice transakcije, na fizickoj
lokaciji trgovca. Tok transakcije je normalno
plaanje terminalom, sa ugraenim citacem
beskontaktnih kartica koji cita informacije
korisnika sa mobilnog telefona.
Ove informacije se bezbedno skladiste
na NFC nalepnici za bezkontaktno citanje ili
u telefonima gde je NFC ugraen. Terminal
salje podatke sistemu PlatiMo transakcije a
obveznik prima SMS kako bi mogao prihva-
titi iznos i uneti PIN kod. Nakon uspesnog
pristupa i provere novcanih sredstava na
racunu obveznika do POS terminala stize in-
formacija da li je transakcija uspesno izvrsena
nakon cega se stampa slip a obveznik prima
obavestenje putem SMS-a. Vreme potrebno
za obavljanje transakcija je isto kao i kod
transakcija EMV debitnih kartica zastiene
pinom.
the account of the payee - a merchant, service
provider or a physical person. This order is
signed by certificates stored in the SIM card
based on PKI technology.
Mellon has used the existing
infrastructure by triggering the Platimo
payment through a face to face transaction,
at physical merchant location. The flow is a
normal payment terminal, with embedded
contactless card reader, reads payer
information through tapping of the mobile
phone.
This information is securely stored
either on a contactless sticker or in NFC
enabled phones.
The terminal sends the transaction
information to Platimo system the payer
receives an SMS prompting him to accept
the amount and entering a pin code. Upon
successful entrance and check of sufficient
funds in payer's account to perform the
particular transaction, the POS terminal is
notified that transaction is completed and a
slip is printed and the payer is notified with
an SMS. Transaction duration is comparable
to debit card EMV pin based transactions.
Prednosti:
za trgovca manji troskovi transakcija,
·
za platisu korisenje mobilnog telefona
·
kao sigurnog sredstva plaanja i
za banke laksi i jeftiniji nacin da se olaksa
·
bezgotovinska transakcija .
Mellon, pored inovativnog koncepta, razvio
je i:
POS terminal softver zasnovan na NFC
·
tehnologiji
Server koji upravlja svim dolaznim tran-
·
sakcijama iz terminala i povezuje ih,
preko veb servisa na "PlatiMo" sistem.
Ovo resenje je otvoreno za sve banke i
mobilne operatere.
Benefits:
for the merchant is the lower transaction
·
fee and convenience,
for the payer is the use of his mobile phone
·
as a secure means of payment and
for the banks easier and more cost effective
·
way to facilitate cashless transactions.
Mellon, besides the innovative concept
developed:
POS terminal software based on NFC
·
technology
A server managing all incoming
·
transactions from terminals and
connecting, through web services, to
Platimo systems.
This solution is open to any bank and
mobile network operator.