In an era of great technological advancement, ironically we are still juggling with the contents of our fat wallets ? numerous plastic cards, ID cards, cash for smaller transactions. Keeping a track of our financial transactions, bank balances, membership details and the payment of bills all seem like an uphill task. At Harex, we understand your concerns and strive towards making your life simpler and richer. Harex Ubiquitous Mobile Payment Service can make your life easier! The Harex UMPS is a proximity payment system based on NFC technology which enables secure financial transactions on the mobile phones, regardless of the time and location. With the Harex UMPS, the mobile phone becomes a multifaceted mobile card which can act as a financial card (credit, debit, securities, insurance etc), ID card (student, employee, admission, etc), transport card, membership card, security card etc. BENEFITS convenience: using Harex UMPS allows you to do away with those numerous cards and identifications and give you on experience of a truly cashless hassle free world. Just wave your mobile phone at the reader and accept your transaction by entering your PIN. Payments are faster, more convenient and can be made anytime, anywhere at a click of a button. This mobile payment service gives you flexibility of transaction and opens doors to a plethora of new applications with your mobile phones like - Fast & convenient money transfer: Send money by knowing only the receivers    phone number - Fast and convenient ticketing: Purchase tickets with mobile anytime anywhere - Hassle free Remote Payments: Paying for food delivery for your children from a   remote location, paying at a restaurant while you are at the table without giving   them a physical card and details, paying for educational service, insurance,   Vicarious driving service, home shopping with your mobile - Cashless Micropayments: Now you don’t need to carry cash even for small   payments at vending machines and other points of sale - Convenient Utility Bill Payment: Pay those bills anytime, anywhere - Enhanced Loyalty Schemes ? Coupons & vouchers always with you on your   mobile - Browse card application & Content locally on the phone - Easy access to Services in your surroundings with a simple touch of the phone - Easy sharing of mobile content and many more… It offers flexibility, saves time and allows you to keep a complete track of your transaction history. Ease of adoption and upgrade: Harex’s patented Over The Air technology application gives the flexibility of this service being downloaded and used easily and securely at any place and any time. This mobile card can be issued, disabled and reissued wirelessly. Security: The Harex UMPS provides a safe, reliable and secure mobile payment solution. The customer’s payment information is securely encrypted in the mobile device and can only be activated by a PIN number. The user does not need to give his details over to the merchant or the payee (like you do when you hand over your credit/debit cards). Instead the merchant information is read by your mobile. You verify the amount and details and validate and accept it using your PIN. It’s completely safe even if it’s lost or stolen as the mobile cards can be managed remotely and in real-time so the card can be deactivated almost instantly.