OUR VALUE PROPOSITION: 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 and Remote Payment System 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: UMPS allows you to do away with those numerous cards and identifications and give you an 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, secure, 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 Mobile Banking: Demo Convenient and secure bank account application and download process using your mobile phone. Easy usage of ATMs without fumbling for the right card; by put down the mobile in front of the RF module at the ATM. Instant Money Transfer to other accounts Flexibility of checking account details and transaction details locally on the mobile phone regardless of time and location. Cashless Micropayments: Now you don’t need to carry cash even for small payments at vending machines and other points of sale Mobile Card - Proximity Payments: Demo Multiple cards on one mobile phone Simple to use: Just flash to pay Mobile Card - Remote Payments: Demo1 Demo2 Demo3 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 Convenient Utility Bill Payment: Pay those bills anytime, anywhere Mobile Remittance Service: Fast & convenient money transfer: Send money by knowing only the receivers phone number Mobile ID Card: Demo An instant and handy Security Pass: Application for a security pass can be made by the mobile phone and on reception on authorization SMS the pass can be downloaded instantly. The mobile phone now acts as a secure ID card onto which access control rights configured. Mobile Loyalty Card: Demo Enhanced Loyalty Schemes ? Coupons & vouchers always with you on your mobile Payment & loyalty schemes is offered as an interlocked integrated service, so the payment and point calculation is done simultaneously thereby speeding up the process Mobile Ticket Service: Fast and convenient ticketing: Purchase tickets to the movies, concerts etc with mobile anytime anywhere Mobile Transport Service: Revolutionized Transport: Purchase your bus & subway tickets on your mobile phone at the click of a button, anywhere anytime. Instant Services: Download maps, time tables on your mobile phone Mobile Campus: Your mobile acts as your student ID, registration card, admission card etc and many more… 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. So come live the dream of a cashless world!!!